Home > PeopleFirst Bank > Performance and Condition Ratios
PeopleFirst 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 | 6.1246% | 545 |
| Cost of funding earning assets | 2.4223% | 436 |
| Net interest margin | 3.7023% | 1,758 |
| Noninterest income to average assets | 2.0300% | 263 |
| Noninterest expense to average assets | 3.4540% | 611 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.2416% | 1,557 |
| Return on assets (ROA) | 1.2406% | 1,536 |
| Pretax return on assets | 1.7080% | 1,052 |
| Return on Equity (ROE) | 12.0700% | 1,940 |
| Retained earnings to average equity (ytd only) | 7.3637% | 1,769 |
| Net charge-offs to loans | 0.0612% | 1,240 |
| Credit loss provision to net charge-offs | 212.3894% | 1,182 |
| Earnings coverage of net charge-offs (x) | 39.6283% | 1,452 |
| Efficiency ratio | 65.6648% | 2,389 |
| Assets per employee ($millions) | 8.3742% | 1,238 |
| Cash dividends to net income (ytd only)* | 39.0117% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 1,770 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 71.0200% | 1,699 |
| Net loans and leases to deposits | 84.6382% | 1,723 |
| Net loans and leases to core deposits | 96.9442% | 1,602 |
| Total domestic deposits to total assets | 83.9100% | 2,651 |
| Equity capital to assets | 10.6024% | 1,675 |
| Core capital (leverage) ratio | 10.7850% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2414% | 1,465 |
| Memoranda: | ||
| Average total assets | $247,944,600 | 2,697 |
| Average earning assets | $216,242,200 | 2,762 |
| Average equity | $25,476,400 | 2,490 |
| Average total loans | $184,677,800 | 2,399 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1193% | 459 |
| Cost of funding earning assets | 2.3326% | 377 |
| Net interest margin | 3.7866% | 1,631 |
| Noninterest income to average assets | 2.0000% | 283 |
| Noninterest expense to average assets | 3.5447% | 518 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 1.1278% | 1,974 |
| Return on assets (ROA) | 1.1265% | 1,954 |
| Pretax return on assets | 1.5555% | 1,457 |
| Return on Equity (ROE) | 11.0500% | 2,361 |
| Retained earnings to average equity (ytd only) | 6.2889% | 2,540 |
| Net charge-offs to loans | 0.0826% | 901 |
| Credit loss provision to net charge-offs | 321.7391% | 844 |
| Earnings coverage of net charge-offs (x) | 28.3130% | 1,621 |
| Efficiency ratio | 66.8634% | 2,166 |
| Assets per employee ($millions) | 8.4036% | 1,160 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 1,617 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.1800% | 1,673 |
| Net loans and leases to deposits | 84.2368% | 1,721 |
| Net loans and leases to core deposits | 94.0053% | 1,676 |
| Total domestic deposits to total assets | 84.5000% | 2,642 |
| Equity capital to assets | 10.1960% | 1,708 |
| Core capital (leverage) ratio | 10.2370% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9207% | 1,589 |
| Memoranda: | ||
| Average total assets | $247,124,000 | 2,706 |
| Average earning assets | $215,488,750 | 2,782 |
| Average equity | $25,186,500 | 2,492 |
| Average total loans | $185,655,500 | 2,392 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0280% | 431 |
| Cost of funding earning assets | 2.1520% | 370 |
| Net interest margin | 3.8759% | 1,471 |
| Noninterest income to average assets | 1.9600% | 246 |
| Noninterest expense to average assets | 3.5598% | 497 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.0897% | 2,151 |
| Return on assets (ROA) | 1.0877% | 2,148 |
| Pretax return on assets | 1.4960% | 1,607 |
| Return on Equity (ROE) | 10.6700% | 2,512 |
| Retained earnings to average equity (ytd only) | 5.8768% | 2,665 |
| Net charge-offs to loans | 0.1306% | 568 |
| Credit loss provision to net charge-offs | 286.8852% | 883 |
| Earnings coverage of net charge-offs (x) | 17.9426% | 1,778 |
| Efficiency ratio | 66.6209% | 2,166 |
| Assets per employee ($millions) | 8.7521% | 982 |
| Cash dividends to net income (ytd only)* | 44.9438% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,054 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.9000% | 1,179 |
| Net loans and leases to deposits | 95.6099% | 755 |
| Net loans and leases to core deposits | 108.9164% | 872 |
| Total domestic deposits to total assets | 78.3400% | 3,806 |
| Equity capital to assets | 9.9889% | 1,867 |
| Core capital (leverage) ratio | 10.0991% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0606% | 1,869 |
| Memoranda: | ||
| Average total assets | $245,462,667 | 2,723 |
| Average earning assets | $214,400,333 | 2,795 |
| Average equity | $25,013,667 | 2,521 |
| Average total loans | $186,895,667 | 2,375 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8852% | 367 |
| Cost of funding earning assets | 1.8917% | 374 |
| Net interest margin | 3.9935% | 1,274 |
| Noninterest income to average assets | 1.9500% | 237 |
| Noninterest expense to average assets | 3.4548% | 571 |
| Loan and lease loss provision to assets | 0.4300% | 185 |
| Net operating income to assets | 1.1345% | 2,114 |
| Return on assets (ROA) | 1.1306% | 2,092 |
| Pretax return on assets | 1.5550% | 1,568 |
| Return on Equity (ROE) | 10.9800% | 2,497 |
| Retained earnings to average equity (ytd only) | 6.1504% | 2,724 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.4399% | 2,526 |
| Assets per employee ($millions) | 8.7108% | 1,045 |
| Cash dividends to net income (ytd only)* | 43.9883% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,069 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 75.0300% | 1,075 |
| Net loans and leases to deposits | 95.7047% | 667 |
| Net loans and leases to core deposits | 113.6293% | 593 |
| Total domestic deposits to total assets | 78.4000% | 3,954 |
| Equity capital to assets | 9.9235% | 1,859 |
| Core capital (leverage) ratio | 10.2292% | 2,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8945% | 2,002 |
| Memoranda: | ||
| Average total assets | $241,288,000 | 2,781 |
| Average earning assets | $211,444,500 | 2,850 |
| Average equity | $24,844,000 | 2,556 |
| Average total loans | $184,065,500 | 2,418 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8347% | 405 |
| Cost of funding earning assets | 0.6360% | 765 |
| Net interest margin | 4.1987% | 539 |
| Noninterest income to average assets | 1.9300% | 259 |
| Noninterest expense to average assets | 3.6862% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3770% | 1,184 |
| Return on assets (ROA) | 1.3770% | 1,143 |
| Pretax return on assets | 1.9064% | 576 |
| Return on Equity (ROE) | 12.8900% | 1,845 |
| Retained earnings to average equity (ytd only) | 10.3553% | 1,054 |
| Net charge-offs to loans | -0.0732% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.9120% | 2,239 |
| Assets per employee ($millions) | 7.9298% | 1,360 |
| Cash dividends to net income (ytd only)* | 19.6335% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,256 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 75.6400% | 1,037 |
| Net loans and leases to deposits | 94.3353% | 760 |
| Net loans and leases to core deposits | 117.7510% | 408 |
| Total domestic deposits to total assets | 80.1800% | 3,852 |
| Equity capital to assets | 10.7060% | 1,372 |
| Core capital (leverage) ratio | 10.9157% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6828% | 1,736 |
| Memoranda: | ||
| Average total assets | $221,937,000 | 2,890 |
| Average earning assets | $193,395,400 | 2,984 |
| Average equity | $23,717,400 | 2,654 |
| Average total loans | $159,791,200 | 2,540 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 435 |
| Cost of funding earning assets | 0.5189% | 684 |
| Net interest margin | 4.0634% | 557 |
| Noninterest income to average assets | 1.9900% | 270 |
| Noninterest expense to average assets | 3.4780% | 498 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4113% | 1,057 |
| Return on assets (ROA) | 1.4113% | 1,030 |
| Pretax return on assets | 1.9503% | 514 |
| Return on Equity (ROE) | 13.2100% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.5101% | 915 |
| Net charge-offs to loans | -0.1002% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.0163% | 2,684 |
| Assets per employee ($millions) | 7.4738% | 1,629 |
| Cash dividends to net income (ytd only)* | 12.8866% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.1700% | 1,276 |
| Net loans and leases to deposits | 88.8478% | 975 |
| Net loans and leases to core deposits | 97.2295% | 941 |
| Total domestic deposits to total assets | 81.2300% | 3,945 |
| Equity capital to assets | 10.8017% | 1,252 |
| Core capital (leverage) ratio | 11.4207% | 1,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4237% | 1,593 |
| Memoranda: | ||
| Average total assets | $219,930,250 | 2,920 |
| Average earning assets | $190,902,000 | 3,016 |
| Average equity | $23,491,750 | 2,706 |
| Average total loans | $155,712,750 | 2,582 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3968% | 442 |
| Cost of funding earning assets | 0.4768% | 596 |
| Net interest margin | 3.9200% | 586 |
| Noninterest income to average assets | 2.0320% | 231 |
| Noninterest expense to average assets | 3.3711% | 495 |
| Loan and lease loss provision to assets | 0.2288% | 338 |
| Net operating income to assets | 1.3290% | 1,073 |
| Return on assets (ROA) | 1.3290% | 1,052 |
| Pretax return on assets | 1.8334% | 550 |
| Return on Equity (ROE) | 12.4907% | 1,528 |
| Retained earnings to average equity (ytd only) | 12.4907% | 531 |
| Net charge-offs to loans | -0.0654% | 4,326 |
| Credit loss provision to net charge-offs | -500.0000% | 3,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0451% | 3,043 |
| Assets per employee ($millions) | 6.8947% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 69.6003% | 1,333 |
| Net loans and leases to deposits | 83.9618% | 1,125 |
| Net loans and leases to core deposits | 91.8238% | 1,026 |
| Total domestic deposits to total assets | 82.8953% | 3,891 |
| Equity capital to assets | 11.1895% | 1,139 |
| Core capital (leverage) ratio | 11.1783% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1739% | 1,399 |
| Memoranda: | ||
| Average total assets | $218,502,333 | 2,960 |
| Average earning assets | $189,593,667 | 3,065 |
| Average equity | $23,249,333 | 2,797 |
| Average total loans | $152,905,333 | 2,614 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 569 |
| Cost of funding earning assets | 0.4724% | 574 |
| Net interest margin | 3.6833% | 769 |
| Noninterest income to average assets | 1.9793% | 246 |
| Noninterest expense to average assets | 3.1854% | 615 |
| Loan and lease loss provision to assets | 0.2716% | 230 |
| Net operating income to assets | 1.2604% | 1,090 |
| Return on assets (ROA) | 1.2604% | 1,075 |
| Pretax return on assets | 1.7276% | 646 |
| Return on Equity (ROE) | 12.1487% | 1,265 |
| Retained earnings to average equity (ytd only) | 12.1487% | 581 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4390% | 3,333 |
| Assets per employee ($millions) | 6.5768% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 1,730 |
| Loan loss allowance to noncurrent loans | 346.2145% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 1,954 |
| Noncurrent loans to loans | 0.4176% | 1,994 |
| Net loans and leases to total assets | 68.9473% | 1,121 |
| Net loans and leases to deposits | 82.4162% | 984 |
| Net loans and leases to core deposits | 89.9922% | 924 |
| Total domestic deposits to total assets | 83.6574% | 3,839 |
| Equity capital to assets | 10.7071% | 1,485 |
| Core capital (leverage) ratio | 10.7518% | 1,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6421% | 1,602 |
| Memoranda: | ||
| Average total assets | $220,885,500 | 2,957 |
| Average earning assets | $192,221,500 | 3,061 |
| Average equity | $22,916,000 | 2,912 |
| Average total loans | $153,805,000 | 2,600 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 719 |
| Cost of funding earning assets | 0.5866% | 583 |
| Net interest margin | 3.8108% | 982 |
| Noninterest income to average assets | 2.4696% | 238 |
| Noninterest expense to average assets | 3.4076% | 534 |
| Loan and lease loss provision to assets | 0.4554% | 132 |
| Net operating income to assets | 1.3929% | 1,301 |
| Return on assets (ROA) | 1.3929% | 1,353 |
| Pretax return on assets | 1.8607% | 796 |
| Return on Equity (ROE) | 13.2845% | 1,377 |
| Retained earnings to average equity (ytd only) | 13.2845% | 370 |
| Net charge-offs to loans | 0.5624% | 144 |
| Credit loss provision to net charge-offs | 117.6471% | 1,664 |
| Earnings coverage of net charge-offs (x) | 5.9834% | 2,422 |
| Efficiency ratio | 59.5347% | 3,224 |
| Assets per employee ($millions) | 7.2496% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,307 |
| Loan loss allowance to noncurrent loans | 322.5552% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 2,130 |
| Noncurrent loans to loans | 0.4070% | 2,138 |
| Net loans and leases to total assets | 68.4048% | 1,221 |
| Net loans and leases to deposits | 81.3719% | 1,112 |
| Net loans and leases to core deposits | 88.2903% | 1,060 |
| Total domestic deposits to total assets | 84.0645% | 3,543 |
| Equity capital to assets | 10.0535% | 2,609 |
| Core capital (leverage) ratio | 10.3688% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,018,600 | 3,051 |
| Average earning assets | $172,511,600 | 3,158 |
| Average equity | $21,182,600 | 3,123 |
| Average total loans | $139,052,800 | 2,737 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 786 |
| Cost of funding earning assets | 0.6198% | 577 |
| Net interest margin | 3.7989% | 1,119 |
| Noninterest income to average assets | 2.6124% | 233 |
| Noninterest expense to average assets | 3.4803% | 469 |
| Loan and lease loss provision to assets | 0.5027% | 108 |
| Net operating income to assets | 1.4091% | 1,511 |
| Return on assets (ROA) | 1.4091% | 1,569 |
| Pretax return on assets | 1.8471% | 1,051 |
| Return on Equity (ROE) | 13.2820% | 1,621 |
| Retained earnings to average equity (ytd only) | 13.2820% | 598 |
| Net charge-offs to loans | 0.7721% | 98 |
| Credit loss provision to net charge-offs | 94.7503% | 1,633 |
| Earnings coverage of net charge-offs (x) | 4.4302% | 2,268 |
| Efficiency ratio | 59.6971% | 3,026 |
| Assets per employee ($millions) | 6.9967% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,611 |
| Loan loss allowance to noncurrent loans | 218.7573% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 1,831 |
| Noncurrent loans to loans | 0.5831% | 1,855 |
| Net loans and leases to total assets | 68.8061% | 1,218 |
| Net loans and leases to deposits | 82.3257% | 1,089 |
| Net loans and leases to core deposits | 89.8634% | 1,043 |
| Total domestic deposits to total assets | 83.5779% | 3,568 |
| Equity capital to assets | 10.4164% | 2,521 |
| Core capital (leverage) ratio | 10.5578% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,339,000 | 3,129 |
| Average earning assets | $166,288,000 | 3,253 |
| Average equity | $20,829,750 | 3,178 |
| Average total loans | $134,872,000 | 2,826 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 872 |
| Cost of funding earning assets | 0.6480% | 581 |
| Net interest margin | 3.7317% | 1,266 |
| Noninterest income to average assets | 2.7484% | 216 |
| Noninterest expense to average assets | 3.4647% | 489 |
| Loan and lease loss provision to assets | 0.5839% | 77 |
| Net operating income to assets | 1.4566% | 1,407 |
| Return on assets (ROA) | 1.4566% | 1,478 |
| Pretax return on assets | 1.8820% | 1,053 |
| Return on Equity (ROE) | 13.6392% | 1,524 |
| Retained earnings to average equity (ytd only) | 13.6392% | 609 |
| Net charge-offs to loans | 1.1918% | 59 |
| Credit loss provision to net charge-offs | 71.7029% | 1,518 |
| Earnings coverage of net charge-offs (x) | 3.0282% | 2,094 |
| Efficiency ratio | 58.4212% | 3,227 |
| Assets per employee ($millions) | 7.1086% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 3,005 |
| Loan loss allowance to noncurrent loans | 185.6828% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 1,865 |
| Noncurrent loans to loans | 0.6400% | 1,812 |
| Net loans and leases to total assets | 68.0047% | 1,445 |
| Net loans and leases to deposits | 81.0643% | 1,324 |
| Net loans and leases to core deposits | 88.7262% | 1,223 |
| Total domestic deposits to total assets | 83.8898% | 3,473 |
| Equity capital to assets | 10.2799% | 2,594 |
| Core capital (leverage) ratio | 11.1417% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,818,667 | 3,163 |
| Average earning assets | $163,573,333 | 3,273 |
| Average equity | $20,485,000 | 3,208 |
| Average total loans | $131,066,000 | 2,886 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 783 |
| Cost of funding earning assets | 0.7167% | 515 |
| Net interest margin | 3.7761% | 1,189 |
| Noninterest income to average assets | 2.6623% | 245 |
| Noninterest expense to average assets | 3.5396% | 441 |
| Loan and lease loss provision to assets | 0.3899% | 203 |
| Net operating income to assets | 1.4319% | 1,492 |
| Return on assets (ROA) | 1.4319% | 1,565 |
| Pretax return on assets | 1.9171% | 1,086 |
| Return on Equity (ROE) | 13.1336% | 1,638 |
| Retained earnings to average equity (ytd only) | 13.1336% | 889 |
| Net charge-offs to loans | 0.2769% | 310 |
| Credit loss provision to net charge-offs | 206.8966% | 878 |
| Earnings coverage of net charge-offs (x) | 12.2414% | 1,424 |
| Efficiency ratio | 60.5409% | 2,968 |
| Assets per employee ($millions) | 6.9014% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,578 |
| Loan loss allowance to noncurrent loans | 206.6116% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 1,886 |
| Noncurrent loans to loans | 0.7297% | 1,779 |
| Net loans and leases to total assets | 67.6171% | 1,585 |
| Net loans and leases to deposits | 83.0507% | 1,243 |
| Net loans and leases to core deposits | 91.1445% | 1,160 |
| Total domestic deposits to total assets | 81.4167% | 3,997 |
| Equity capital to assets | 10.5869% | 2,182 |
| Core capital (leverage) ratio | 11.1423% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,653,500 | 3,211 |
| Average earning assets | $155,718,000 | 3,353 |
| Average equity | $20,131,500 | 3,232 |
| Average total loans | $125,660,500 | 2,953 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 761 |
| Cost of funding earning assets | 0.9376% | 748 |
| Net interest margin | 3.8422% | 1,386 |
| Noninterest income to average assets | 2.4594% | 249 |
| Noninterest expense to average assets | 3.6292% | 579 |
| Loan and lease loss provision to assets | 0.3491% | 991 |
| Net operating income to assets | 1.2057% | 1,534 |
| Return on assets (ROA) | 1.2057% | 1,644 |
| Pretax return on assets | 1.7733% | 730 |
| Return on Equity (ROE) | 10.0626% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.0626% | 571 |
| Net charge-offs to loans | 0.1029% | 1,437 |
| Credit loss provision to net charge-offs | 486.6071% | 1,274 |
| Earnings coverage of net charge-offs (x) | 29.5804% | 1,624 |
| Efficiency ratio | 63.0987% | 2,960 |
| Assets per employee ($millions) | 6.2882% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6071% | 1,280 |
| Loan loss allowance to noncurrent loans | 180.7583% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 1,759 |
| Noncurrent loans to loans | 0.8891% | 1,585 |
| Net loans and leases to total assets | 66.3104% | 2,046 |
| Net loans and leases to deposits | 81.9134% | 1,671 |
| Net loans and leases to core deposits | 91.2788% | 1,441 |
| Total domestic deposits to total assets | 80.9518% | 3,878 |
| Equity capital to assets | 11.2484% | 2,058 |
| Core capital (leverage) ratio | 10.9399% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,095,600 | 3,328 |
| Average earning assets | $133,752,600 | 3,459 |
| Average equity | $18,703,000 | 3,309 |
| Average total loans | $108,803,200 | 3,109 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6884% | 1,091 |
| Cost of funding earning assets | 0.9872% | 795 |
| Net interest margin | 3.7012% | 1,937 |
| Noninterest income to average assets | 2.1645% | 296 |
| Noninterest expense to average assets | 3.6434% | 585 |
| Loan and lease loss provision to assets | 0.2826% | 1,428 |
| Net operating income to assets | 0.9953% | 2,359 |
| Return on assets (ROA) | 0.9953% | 2,487 |
| Pretax return on assets | 1.4445% | 1,591 |
| Return on Equity (ROE) | 8.1615% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.1615% | 1,253 |
| Net charge-offs to loans | 0.0589% | 1,767 |
| Credit loss provision to net charge-offs | 680.8511% | 1,089 |
| Earnings coverage of net charge-offs (x) | 41.6383% | 1,333 |
| Efficiency ratio | 67.8442% | 2,211 |
| Assets per employee ($millions) | 5.9341% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,409 |
| Loan loss allowance to noncurrent loans | 119.4122% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8501% | 1,366 |
| Noncurrent loans to loans | 1.2489% | 1,210 |
| Net loans and leases to total assets | 67.0572% | 2,379 |
| Net loans and leases to deposits | 82.6166% | 2,049 |
| Net loans and leases to core deposits | 91.3443% | 1,854 |
| Total domestic deposits to total assets | 81.1667% | 3,619 |
| Equity capital to assets | 11.0728% | 2,346 |
| Core capital (leverage) ratio | 11.4770% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,102,250 | 3,374 |
| Average earning assets | $130,873,000 | 3,488 |
| Average equity | $18,427,500 | 3,327 |
| Average total loans | $106,339,250 | 3,149 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9695% | 877 |
| Cost of funding earning assets | 1.0791% | 761 |
| Net interest margin | 3.8904% | 1,593 |
| Noninterest income to average assets | 1.5572% | 422 |
| Noninterest expense to average assets | 3.3905% | 867 |
| Loan and lease loss provision to assets | 0.1943% | 2,092 |
| Net operating income to assets | 0.9285% | 2,590 |
| Return on assets (ROA) | 0.9285% | 2,717 |
| Pretax return on assets | 1.3046% | 2,015 |
| Return on Equity (ROE) | 7.3443% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.3443% | 1,522 |
| Net charge-offs to loans | 0.0584% | 1,668 |
| Credit loss provision to net charge-offs | 466.6667% | 1,285 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,312 |
| Efficiency ratio | 69.3443% | 2,039 |
| Assets per employee ($millions) | 5.5040% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,334 |
| Loan loss allowance to noncurrent loans | 119.5472% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 1,490 |
| Noncurrent loans to loans | 1.2372% | 1,255 |
| Net loans and leases to total assets | 66.1018% | 2,614 |
| Net loans and leases to deposits | 84.1735% | 1,983 |
| Net loans and leases to core deposits | 95.4073% | 1,618 |
| Total domestic deposits to total assets | 78.5303% | 4,107 |
| Equity capital to assets | 11.6417% | 1,877 |
| Core capital (leverage) ratio | 12.6313% | 1,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,106,667 | 3,438 |
| Average earning assets | $123,433,000 | 3,561 |
| Average equity | $18,218,333 | 3,341 |
| Average total loans | $102,737,333 | 3,194 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 650 |
| Cost of funding earning assets | 1.1956% | 783 |
| Net interest margin | 4.0116% | 1,360 |
| Noninterest income to average assets | 1.5812% | 357 |
| Noninterest expense to average assets | 3.4880% | 953 |
| Loan and lease loss provision to assets | 0.0880% | 2,589 |
| Net operating income to assets | 1.0268% | 2,086 |
| Return on assets (ROA) | 1.0268% | 2,184 |
| Pretax return on assets | 1.4404% | 1,463 |
| Return on Equity (ROE) | 7.7620% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.7620% | 1,302 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5322% | 2,420 |
| Assets per employee ($millions) | 4.7067% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4952% | 1,361 |
| Loan loss allowance to noncurrent loans | 113.5094% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.9707% | 1,366 |
| Noncurrent loans to loans | 1.3173% | 1,237 |
| Net loans and leases to total assets | 72.5909% | 1,845 |
| Net loans and leases to deposits | 92.7379% | 1,208 |
| Net loans and leases to core deposits | 108.6758% | 914 |
| Total domestic deposits to total assets | 78.2754% | 4,169 |
| Equity capital to assets | 13.3492% | 1,283 |
| Core capital (leverage) ratio | 13.1633% | 1,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,352,000 | 3,498 |
| Average earning assets | $116,761,500 | 3,616 |
| Average equity | $18,036,500 | 3,364 |
| Average total loans | $100,559,500 | 3,218 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 1,359 |
| Cost of funding earning assets | 1.2145% | 994 |
| Net interest margin | 3.8289% | 2,410 |
| Noninterest income to average assets | 1.2905% | 564 |
| Noninterest expense to average assets | 3.2906% | 1,318 |
| Loan and lease loss provision to assets | 0.0214% | 3,596 |
| Net operating income to assets | 0.9403% | 3,056 |
| Return on assets (ROA) | 0.9375% | 3,146 |
| Pretax return on assets | 1.2798% | 2,574 |
| Return on Equity (ROE) | 7.6588% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.6588% | 1,094 |
| Net charge-offs to loans | -0.1446% | 5,014 |
| Credit loss provision to net charge-offs | -20.1342% | 4,125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6063% | 1,928 |
| Assets per employee ($millions) | 4.8646% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,321 |
| Loan loss allowance to noncurrent loans | 111.2453% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 1,288 |
| Noncurrent loans to loans | 1.3180% | 1,137 |
| Net loans and leases to total assets | 72.7250% | 1,960 |
| Net loans and leases to deposits | 92.7370% | 1,287 |
| Net loans and leases to core deposits | 108.0370% | 972 |
| Total domestic deposits to total assets | 78.4207% | 4,292 |
| Equity capital to assets | 13.1063% | 1,456 |
| Core capital (leverage) ratio | 12.8968% | 1,286 |
| Tier 1 risk-based capital ratio | 16.2933% | 2,295 |
| Total risk-based capital ratio | 17.5449% | 2,240 |
| Memoranda: | ||
| Average total assets | $139,943,800 | 3,432 |
| Average earning assets | $120,791,000 | 3,551 |
| Average equity | $17,130,600 | 3,419 |
| Average total loans | $103,018,000 | 3,187 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 1,413 |
| Cost of funding earning assets | 1.2063% | 1,023 |
| Net interest margin | 3.8449% | 2,457 |
| Noninterest income to average assets | 0.9654% | 1,009 |
| Noninterest expense to average assets | 3.0200% | 1,919 |
| Loan and lease loss provision to assets | 0.0284% | 3,338 |
| Net operating income to assets | 0.9407% | 3,203 |
| Return on assets (ROA) | 0.9370% | 3,283 |
| Pretax return on assets | 1.2427% | 2,838 |
| Return on Equity (ROE) | 7.7873% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.7873% | 1,496 |
| Net charge-offs to loans | -0.1917% | 5,105 |
| Credit loss provision to net charge-offs | -20.1342% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3018% | 2,074 |
| Assets per employee ($millions) | 4.7752% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,277 |
| Loan loss allowance to noncurrent loans | 148.7386% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 1,913 |
| Noncurrent loans to loans | 1.0003% | 1,594 |
| Net loans and leases to total assets | 70.4734% | 2,401 |
| Net loans and leases to deposits | 89.0285% | 1,811 |
| Net loans and leases to core deposits | 103.5283% | 1,370 |
| Total domestic deposits to total assets | 79.1583% | 4,151 |
| Equity capital to assets | 12.6637% | 1,804 |
| Core capital (leverage) ratio | 12.6339% | 1,513 |
| Tier 1 risk-based capital ratio | 16.2515% | 2,346 |
| Total risk-based capital ratio | 17.5039% | 2,276 |
| Memoranda: | ||
| Average total assets | $140,877,500 | 3,458 |
| Average earning assets | $122,027,500 | 3,572 |
| Average equity | $16,950,250 | 3,464 |
| Average total loans | $103,639,500 | 3,214 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 1,380 |
| Cost of funding earning assets | 1.1996% | 997 |
| Net interest margin | 3.8358% | 2,455 |
| Noninterest income to average assets | 0.8230% | 1,272 |
| Noninterest expense to average assets | 2.9292% | 2,196 |
| Loan and lease loss provision to assets | 0.0424% | 2,971 |
| Net operating income to assets | 0.8935% | 3,310 |
| Return on assets (ROA) | 0.8879% | 3,395 |
| Pretax return on assets | 1.1802% | 2,971 |
| Return on Equity (ROE) | 7.5084% | 3,492 |
| Retained earnings to average equity (ytd only) | 7.5084% | 1,591 |
| Net charge-offs to loans | -0.3195% | 5,192 |
| Credit loss provision to net charge-offs | -17.8571% | 3,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4345% | 2,162 |
| Assets per employee ($millions) | 5.2529% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 3,382 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.2886% | 2,005 |
| Net loans and leases to deposits | 93.2835% | 1,340 |
| Net loans and leases to core deposits | 108.7315% | 1,050 |
| Total domestic deposits to total assets | 78.5654% | 4,303 |
| Equity capital to assets | 12.1063% | 2,114 |
| Core capital (leverage) ratio | 11.9577% | 1,853 |
| Tier 1 risk-based capital ratio | 15.1911% | 2,758 |
| Total risk-based capital ratio | 16.4420% | 2,684 |
| Memoranda: | ||
| Average total assets | $141,676,000 | 3,471 |
| Average earning assets | $123,207,000 | 3,579 |
| Average equity | $16,754,670 | 3,488 |
| Average total loans | $105,163,670 | 3,206 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 1,648 |
| Cost of funding earning assets | 1.1176% | 1,131 |
| Net interest margin | 3.7643% | 2,657 |
| Noninterest income to average assets | 0.7288% | 1,514 |
| Noninterest expense to average assets | 2.8926% | 2,295 |
| Loan and lease loss provision to assets | 0.0847% | 2,004 |
| Net operating income to assets | 0.8051% | 3,601 |
| Return on assets (ROA) | 0.8051% | 3,642 |
| Pretax return on assets | 1.0339% | 3,332 |
| Return on Equity (ROE) | 6.8895% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.8895% | 2,084 |
| Net charge-offs to loans | -0.6398% | 5,286 |
| Credit loss provision to net charge-offs | -17.8571% | 3,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1127% | 2,027 |
| Assets per employee ($millions) | 5.5317% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 1,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 3,453 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.1410% | 2,131 |
| Net loans and leases to deposits | 90.9470% | 1,514 |
| Net loans and leases to core deposits | 106.5738% | 1,133 |
| Total domestic deposits to total assets | 79.3219% | 4,292 |
| Equity capital to assets | 11.6559% | 2,266 |
| Core capital (leverage) ratio | 11.5774% | 2,084 |
| Tier 1 risk-based capital ratio | 14.7225% | 2,989 |
| Total risk-based capital ratio | 15.9730% | 2,929 |
| Memoranda: | ||
| Average total assets | $141,600,500 | 3,511 |
| Average earning assets | $123,475,000 | 3,607 |
| Average equity | $16,547,000 | 3,527 |
| Average total loans | $105,027,500 | 3,237 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 825 |
| Cost of funding earning assets | 1.0155% | 714 |
| Net interest margin | 4.0942% | 1,699 |
| Noninterest income to average assets | 0.4380% | 3,186 |
| Noninterest expense to average assets | 2.8457% | 2,530 |
| Loan and lease loss provision to assets | 0.2001% | 945 |
| Net operating income to assets | 0.8321% | 3,686 |
| Return on assets (ROA) | 0.8315% | 3,685 |
| Pretax return on assets | 1.0664% | 3,387 |
| Return on Equity (ROE) | 7.2011% | 3,764 |
| Retained earnings to average equity (ytd only) | 7.2011% | 1,578 |
| Net charge-offs to loans | 0.0683% | 2,141 |
| Credit loss provision to net charge-offs | 385.7143% | 850 |
| Earnings coverage of net charge-offs (x) | 24.4286% | 1,813 |
| Efficiency ratio | 69.1892% | 2,349 |
| Assets per employee ($millions) | 5.1621% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 3,389 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.2669% | 1,894 |
| Net loans and leases to deposits | 98.1668% | 883 |
| Net loans and leases to core deposits | 114.2644% | 773 |
| Total domestic deposits to total assets | 75.6538% | 4,787 |
| Equity capital to assets | 11.7164% | 2,087 |
| Core capital (leverage) ratio | 11.5264% | 2,084 |
| Tier 1 risk-based capital ratio | 14.4586% | 3,081 |
| Total risk-based capital ratio | 15.6132% | 3,048 |
| Memoranda: | ||
| Average total assets | $134,942,600 | 3,578 |
| Average earning assets | $121,123,600 | 3,627 |
| Average equity | $15,581,000 | 3,561 |
| Average total loans | $102,479,600 | 3,253 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 1,734 |
| Cost of funding earning assets | 0.9763% | 653 |
| Net interest margin | 3.7047% | 3,003 |
| Noninterest income to average assets | 0.3766% | 3,623 |
| Noninterest expense to average assets | 2.7755% | 2,727 |
| Loan and lease loss provision to assets | 0.2092% | 809 |
| Net operating income to assets | 0.5567% | 4,628 |
| Return on assets (ROA) | 0.5559% | 4,639 |
| Pretax return on assets | 0.7402% | 4,444 |
| Return on Equity (ROE) | 4.8330% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.8330% | 3,330 |
| Net charge-offs to loans | 0.0916% | 1,584 |
| Credit loss provision to net charge-offs | 300.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 13.6287% | 2,340 |
| Efficiency ratio | 74.4920% | 1,521 |
| Assets per employee ($millions) | 5.2701% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 2,788 |
| Loan loss allowance to noncurrent loans | 103.6074% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 1,263 |
| Noncurrent loans to loans | 1.1308% | 1,501 |
| Net loans and leases to total assets | 73.2123% | 2,128 |
| Net loans and leases to deposits | 92.3031% | 1,583 |
| Net loans and leases to core deposits | 112.7605% | 879 |
| Total domestic deposits to total assets | 79.3173% | 4,249 |
| Equity capital to assets | 10.9577% | 2,700 |
| Core capital (leverage) ratio | 11.1545% | 2,453 |
| Tier 1 risk-based capital ratio | 13.6652% | 3,536 |
| Total risk-based capital ratio | 14.7606% | 3,535 |
| Memoranda: | ||
| Average total assets | $133,834,000 | 3,623 |
| Average earning assets | $120,995,250 | 3,665 |
| Average equity | $15,393,750 | 3,610 |
| Average total loans | $101,898,000 | 3,294 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 1,753 |
| Cost of funding earning assets | 0.9210% | 667 |
| Net interest margin | 3.6875% | 2,981 |
| Noninterest income to average assets | 0.3389% | 3,921 |
| Noninterest expense to average assets | 2.8211% | 2,600 |
| Loan and lease loss provision to assets | 0.2290% | 703 |
| Net operating income to assets | 0.4805% | 4,792 |
| Return on assets (ROA) | 0.4793% | 4,800 |
| Pretax return on assets | 0.6366% | 4,671 |
| Return on Equity (ROE) | 4.0972% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.0972% | 3,558 |
| Net charge-offs to loans | 0.0079% | 2,847 |
| Credit loss provision to net charge-offs | 3,750.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 538 |
| Efficiency ratio | 76.4901% | 1,367 |
| Assets per employee ($millions) | 5.0154% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,737 |
| Loan loss allowance to noncurrent loans | 102.9876% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 1,200 |
| Noncurrent loans to loans | 1.1627% | 1,498 |
| Net loans and leases to total assets | 75.6168% | 1,695 |
| Net loans and leases to deposits | 98.4880% | 928 |
| Net loans and leases to core deposits | 114.8243% | 756 |
| Total domestic deposits to total assets | 76.7777% | 4,758 |
| Equity capital to assets | 11.3856% | 2,277 |
| Core capital (leverage) ratio | 11.2952% | 2,257 |
| Tier 1 risk-based capital ratio | 13.5761% | 3,576 |
| Total risk-based capital ratio | 14.6941% | 3,565 |
| Memoranda: | ||
| Average total assets | $131,014,330 | 3,691 |
| Average earning assets | $118,995,000 | 3,732 |
| Average equity | $15,327,670 | 3,640 |
| Average total loans | $100,727,000 | 3,325 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 1,729 |
| Cost of funding earning assets | 0.8645% | 709 |
| Net interest margin | 3.6816% | 2,873 |
| Noninterest income to average assets | 0.2671% | 4,394 |
| Noninterest expense to average assets | 2.8662% | 2,479 |
| Loan and lease loss provision to assets | 0.2329% | 664 |
| Net operating income to assets | 0.4006% | 4,925 |
| Return on assets (ROA) | 0.4006% | 4,925 |
| Pretax return on assets | 0.5403% | 4,812 |
| Return on Equity (ROE) | 3.3764% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.3764% | 3,860 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7543% | 1,289 |
| Assets per employee ($millions) | 5.0137% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 3,059 |
| Loan loss allowance to noncurrent loans | 95.8231% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2535% | 1,188 |
| Noncurrent loans to loans | 1.2072% | 1,503 |
| Net loans and leases to total assets | 76.6929% | 1,427 |
| Net loans and leases to deposits | 96.5475% | 972 |
| Net loans and leases to core deposits | 133.4005% | 289 |
| Total domestic deposits to total assets | 79.4354% | 4,504 |
| Equity capital to assets | 11.7333% | 1,968 |
| Core capital (leverage) ratio | 11.4769% | 2,029 |
| Tier 1 risk-based capital ratio | 14.1160% | 3,320 |
| Total risk-based capital ratio | 15.2323% | 3,302 |
| Memoranda: | ||
| Average total assets | $128,813,000 | 3,765 |
| Average earning assets | $117,991,000 | 3,782 |
| Average equity | $15,282,500 | 3,673 |
| Average total loans | $99,271,000 | 3,372 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 2,227 |
| Cost of funding earning assets | 0.6503% | 1,290 |
| Net interest margin | 3.6825% | 2,871 |
| Noninterest income to average assets | 0.3561% | 3,920 |
| Noninterest expense to average assets | 2.9084% | 2,427 |
| Loan and lease loss provision to assets | 0.3613% | 428 |
| Net operating income to assets | 0.0006% | 5,358 |
| Return on assets (ROA) | 0.0077% | 5,347 |
| Pretax return on assets | 0.4396% | 5,027 |
| Return on Equity (ROE) | 0.0586% | 5,349 |
| Retained earnings to average equity (ytd only) | 0.0586% | 4,981 |
| Net charge-offs to loans | 0.3435% | 740 |
| Credit loss provision to net charge-offs | 143.3447% | 1,849 |
| Earnings coverage of net charge-offs (x) | 3.1331% | 3,650 |
| Efficiency ratio | 78.6462% | 1,260 |
| Assets per employee ($millions) | 4.8950% | 2,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,223 |
| Loan loss allowance to noncurrent loans | 88.7358% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 1,123 |
| Noncurrent loans to loans | 1.2670% | 1,389 |
| Net loans and leases to total assets | 75.6685% | 1,658 |
| Net loans and leases to deposits | 95.9433% | 1,097 |
| Net loans and leases to core deposits | 138.2268% | 232 |
| Total domestic deposits to total assets | 78.8679% | 4,572 |
| Equity capital to assets | 11.9980% | 1,839 |
| Core capital (leverage) ratio | 11.4899% | 1,947 |
| Tier 1 risk-based capital ratio | 14.4512% | 3,114 |
| Total risk-based capital ratio | 15.5352% | 3,101 |
| Memoranda: | ||
| Average total assets | $116,249,000 | 3,957 |
| Average earning assets | $105,497,600 | 3,996 |
| Average equity | $15,353,200 | 3,675 |
| Average total loans | $85,305,400 | 3,626 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 2,400 |
| Cost of funding earning assets | 0.5782% | 1,682 |
| Net interest margin | 3.6805% | 2,822 |
| Noninterest income to average assets | 0.3571% | 3,973 |
| Noninterest expense to average assets | 2.9440% | 2,268 |
| Loan and lease loss provision to assets | 0.3701% | 396 |
| Net operating income to assets | 0.2484% | 5,300 |
| Return on assets (ROA) | 0.2585% | 5,303 |
| Pretax return on assets | 0.3936% | 5,199 |
| Return on Equity (ROE) | 1.9080% | 5,324 |
| Retained earnings to average equity (ytd only) | 1.9080% | 4,675 |
| Net charge-offs to loans | 0.4440% | 469 |
| Credit loss provision to net charge-offs | 114.9635% | 2,080 |
| Earnings coverage of net charge-offs (x) | 2.3248% | 3,479 |
| Efficiency ratio | 79.7327% | 1,137 |
| Assets per employee ($millions) | 4.7577% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,458 |
| Loan loss allowance to noncurrent loans | 80.6555% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3452% | 1,184 |
| Noncurrent loans to loans | 1.3695% | 1,375 |
| Net loans and leases to total assets | 73.0305% | 2,094 |
| Net loans and leases to deposits | 94.3951% | 1,256 |
| Net loans and leases to core deposits | 133.1496% | 293 |
| Total domestic deposits to total assets | 77.3668% | 4,820 |
| Equity capital to assets | 12.5692% | 1,622 |
| Core capital (leverage) ratio | 12.6242% | 1,371 |
| Tier 1 risk-based capital ratio | 15.2895% | 2,799 |
| Total risk-based capital ratio | 16.3490% | 2,803 |
| Memoranda: | ||
| Average total assets | $113,493,500 | 4,044 |
| Average earning assets | $102,846,250 | 4,094 |
| Average equity | $15,374,000 | 3,708 |
| Average total loans | $82,282,000 | 3,723 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 2,300 |
| Cost of funding earning assets | 0.5264% | 1,950 |
| Net interest margin | 3.7209% | 2,579 |
| Noninterest income to average assets | 0.3797% | 3,833 |
| Noninterest expense to average assets | 3.0048% | 2,096 |
| Loan and lease loss provision to assets | 0.3815% | 365 |
| Net operating income to assets | 0.2356% | 5,342 |
| Return on assets (ROA) | 0.2380% | 5,358 |
| Pretax return on assets | 0.3615% | 5,252 |
| Return on Equity (ROE) | 1.7106% | 5,382 |
| Retained earnings to average equity (ytd only) | 1.7106% | 4,571 |
| Net charge-offs to loans | 0.6914% | 279 |
| Credit loss provision to net charge-offs | 76.6423% | 2,302 |
| Earnings coverage of net charge-offs (x) | 1.4854% | 3,274 |
| Efficiency ratio | 80.2523% | 1,186 |
| Assets per employee ($millions) | 4.3907% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 3,287 |
| Loan loss allowance to noncurrent loans | 71.8601% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 986 |
| Noncurrent loans to loans | 1.6072% | 1,150 |
| Net loans and leases to total assets | 70.4829% | 2,446 |
| Net loans and leases to deposits | 94.2179% | 1,241 |
| Net loans and leases to core deposits | 115.9560% | 718 |
| Total domestic deposits to total assets | 74.8085% | 5,220 |
| Equity capital to assets | 14.1081% | 930 |
| Core capital (leverage) ratio | 13.3823% | 1,028 |
| Tier 1 risk-based capital ratio | 17.5529% | 1,990 |
| Total risk-based capital ratio | 18.6563% | 1,997 |
| Memoranda: | ||
| Average total assets | $110,091,670 | 4,130 |
| Average earning assets | $99,545,670 | 4,169 |
| Average equity | $15,316,000 | 3,720 |
| Average total loans | $79,260,330 | 3,806 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 2,227 |
| Cost of funding earning assets | 0.5099% | 2,007 |
| Net interest margin | 3.7055% | 2,470 |
| Noninterest income to average assets | 0.4245% | 3,488 |
| Noninterest expense to average assets | 3.0257% | 2,092 |
| Loan and lease loss provision to assets | 0.3809% | 299 |
| Net operating income to assets | 0.2638% | 5,278 |
| Return on assets (ROA) | 0.2612% | 5,303 |
| Pretax return on assets | 0.3628% | 5,220 |
| Return on Equity (ROE) | 1.8909% | 5,353 |
| Retained earnings to average equity (ytd only) | 1.8909% | 4,370 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1923% | 1,360 |
| Assets per employee ($millions) | 4.7509% | 2,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 2,146 |
| Loan loss allowance to noncurrent loans | 48.1382% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.4179% | 492 |
| Noncurrent loans to loans | 2.8751% | 496 |
| Net loans and leases to total assets | 69.9698% | 2,385 |
| Net loans and leases to deposits | 90.4890% | 1,481 |
| Net loans and leases to core deposits | 113.1324% | 718 |
| Total domestic deposits to total assets | 77.3241% | 5,072 |
| Equity capital to assets | 14.0368% | 890 |
| Core capital (leverage) ratio | 13.1616% | 1,077 |
| Tier 1 risk-based capital ratio | 17.9951% | 1,878 |
| Total risk-based capital ratio | 19.2499% | 1,835 |
| Memoranda: | ||
| Average total assets | $110,254,000 | 4,171 |
| Average earning assets | $99,636,500 | 4,208 |
| Average equity | $15,231,000 | 3,753 |
| Average total loans | $79,755,000 | 3,814 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,571 |
| Cost of funding earning assets | 0.5106% | 2,011 |
| Net interest margin | 3.6629% | 2,854 |
| Noninterest income to average assets | 0.1953% | 5,240 |
| Noninterest expense to average assets | 3.0381% | 2,226 |
| Loan and lease loss provision to assets | 0.3745% | 439 |
| Net operating income to assets | 1.6461% | 615 |
| Return on assets (ROA) | 1.6667% | 615 |
| Pretax return on assets | 0.1489% | 5,544 |
| Return on Equity (ROE) | 12.9551% | 1,002 |
| Retained earnings to average equity (ytd only) | 12.9551% | 169 |
| Net charge-offs to loans | 0.5446% | 441 |
| Credit loss provision to net charge-offs | 95.4545% | 2,689 |
| Earnings coverage of net charge-offs (x) | 1.2818% | 4,008 |
| Efficiency ratio | 85.7970% | 839 |
| Assets per employee ($millions) | 4.6349% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 3,236 |
| Loan loss allowance to noncurrent loans | 43.1757% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.3868% | 515 |
| Noncurrent loans to loans | 2.7348% | 542 |
| Net loans and leases to total assets | 72.8285% | 2,036 |
| Net loans and leases to deposits | 92.3720% | 1,398 |
| Net loans and leases to core deposits | 122.3447% | 418 |
| Total domestic deposits to total assets | 78.8427% | 4,825 |
| Equity capital to assets | 13.5961% | 1,011 |
| Core capital (leverage) ratio | 13.0185% | 1,126 |
| Tier 1 risk-based capital ratio | 16.9950% | 2,160 |
| Total risk-based capital ratio | 18.1544% | 2,138 |
| Memoranda: | ||
| Average total assets | $112,140,800 | 4,124 |
| Average earning assets | $102,432,800 | 4,152 |
| Average equity | $14,426,800 | 3,885 |
| Average total loans | $80,789,400 | 3,786 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 2,601 |
| Cost of funding earning assets | 0.5118% | 2,000 |
| Net interest margin | 3.6607% | 2,855 |
| Noninterest income to average assets | 0.3512% | 4,277 |
| Noninterest expense to average assets | 3.0447% | 2,188 |
| Loan and lease loss provision to assets | 0.3738% | 407 |
| Net operating income to assets | 2.2355% | 233 |
| Return on assets (ROA) | 2.2628% | 234 |
| Pretax return on assets | 0.3121% | 5,446 |
| Return on Equity (ROE) | 17.8397% | 371 |
| Retained earnings to average equity (ytd only) | 17.8397% | 78 |
| Net charge-offs to loans | 0.7288% | 254 |
| Credit loss provision to net charge-offs | 71.5909% | 2,763 |
| Earnings coverage of net charge-offs (x) | 1.2614% | 3,715 |
| Efficiency ratio | 82.2172% | 1,167 |
| Assets per employee ($millions) | 4.4143% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,837 |
| Loan loss allowance to noncurrent loans | 38.1690% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.9024% | 409 |
| Noncurrent loans to loans | 2.8805% | 544 |
| Net loans and leases to total assets | 70.3453% | 2,446 |
| Net loans and leases to deposits | 88.5986% | 1,943 |
| Net loans and leases to core deposits | 114.8150% | 694 |
| Total domestic deposits to total assets | 79.3978% | 4,639 |
| Equity capital to assets | 14.2311% | 955 |
| Core capital (leverage) ratio | 12.6349% | 1,346 |
| Tier 1 risk-based capital ratio | 17.6114% | 2,039 |
| Total risk-based capital ratio | 18.6848% | 2,058 |
| Memoranda: | ||
| Average total assets | $112,366,500 | 4,154 |
| Average earning assets | $102,892,500 | 4,167 |
| Average equity | $14,252,500 | 3,944 |
| Average total loans | $80,491,500 | 3,809 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 2,703 |
| Cost of funding earning assets | 0.5062% | 2,053 |
| Net interest margin | 3.6370% | 2,945 |
| Noninterest income to average assets | 0.3468% | 4,300 |
| Noninterest expense to average assets | 3.0503% | 2,206 |
| Loan and lease loss provision to assets | 0.3716% | 422 |
| Net operating income to assets | 0.2813% | 5,366 |
| Return on assets (ROA) | 0.3220% | 5,341 |
| Pretax return on assets | 0.3220% | 5,465 |
| Return on Equity (ROE) | 2.6437% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.6437% | 4,214 |
| Net charge-offs to loans | 0.0641% | 2,283 |
| Credit loss provision to net charge-offs | 807.6923% | 445 |
| Earnings coverage of net charge-offs (x) | 14.1923% | 2,070 |
| Efficiency ratio | 82.3698% | 1,230 |
| Assets per employee ($millions) | 4.3202% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 2,069 |
| Loan loss allowance to noncurrent loans | 36.9483% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 3.6626% | 277 |
| Noncurrent loans to loans | 3.9205% | 306 |
| Net loans and leases to total assets | 70.9875% | 2,330 |
| Net loans and leases to deposits | 88.2143% | 1,965 |
| Net loans and leases to core deposits | 113.1858% | 764 |
| Total domestic deposits to total assets | 80.4717% | 4,419 |
| Equity capital to assets | 12.4987% | 1,773 |
| Core capital (leverage) ratio | 12.0334% | 1,603 |
| Tier 1 risk-based capital ratio | 16.6981% | 2,351 |
| Total risk-based capital ratio | 17.9501% | 2,306 |
| Memoranda: | ||
| Average total assets | $113,036,330 | 4,166 |
| Average earning assets | $104,315,330 | 4,167 |
| Average equity | $13,768,330 | 4,021 |
| Average total loans | $81,157,330 | 3,820 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 2,909 |
| Cost of funding earning assets | 0.4800% | 2,277 |
| Net interest margin | 3.6039% | 3,069 |
| Noninterest income to average assets | 0.2681% | 4,814 |
| Noninterest expense to average assets | 3.0513% | 2,238 |
| Loan and lease loss provision to assets | 0.3704% | 392 |
| Net operating income to assets | 0.1834% | 5,559 |
| Return on assets (ROA) | 0.1834% | 5,614 |
| Pretax return on assets | 0.1834% | 5,659 |
| Return on Equity (ROE) | 1.5257% | 5,610 |
| Retained earnings to average equity (ytd only) | 1.5257% | 4,659 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6380% | 1,095 |
| Assets per employee ($millions) | 4.3636% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 2,655 |
| Loan loss allowance to noncurrent loans | 34.3063% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 3.6385% | 299 |
| Noncurrent loans to loans | 3.9361% | 314 |
| Net loans and leases to total assets | 70.3809% | 2,281 |
| Net loans and leases to deposits | 87.0148% | 1,944 |
| Net loans and leases to core deposits | 111.5255% | 782 |
| Total domestic deposits to total assets | 80.8839% | 4,527 |
| Equity capital to assets | 12.1203% | 1,942 |
| Core capital (leverage) ratio | 11.9848% | 1,612 |
| Tier 1 risk-based capital ratio | 16.4715% | 2,486 |
| Total risk-based capital ratio | 17.7220% | 2,442 |
| Memoranda: | ||
| Average total assets | $113,392,500 | 4,188 |
| Average earning assets | $104,996,000 | 4,190 |
| Average equity | $13,633,000 | 4,058 |
| Average total loans | $81,282,000 | 3,826 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 3,233 |
| Cost of funding earning assets | 0.4882% | 2,280 |
| Net interest margin | 3.5330% | 3,406 |
| Noninterest income to average assets | 0.2632% | 5,000 |
| Noninterest expense to average assets | 3.1716% | 2,032 |
| Loan and lease loss provision to assets | 0.3405% | 446 |
| Net operating income to assets | 0.0884% | 5,770 |
| Return on assets (ROA) | 0.0976% | 5,799 |
| Pretax return on assets | 0.0976% | 5,806 |
| Return on Equity (ROE) | 0.7818% | 5,806 |
| Retained earnings to average equity (ytd only) | 0.7818% | 5,208 |
| Net charge-offs to loans | 0.5163% | 496 |
| Credit loss provision to net charge-offs | 94.3878% | 2,671 |
| Earnings coverage of net charge-offs (x) | 1.1888% | 4,129 |
| Efficiency ratio | 88.0879% | 830 |
| Assets per employee ($millions) | 4.1974% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 3,415 |
| Loan loss allowance to noncurrent loans | 30.8750% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.6548% | 310 |
| Noncurrent loans to loans | 3.9206% | 315 |
| Net loans and leases to total assets | 71.1482% | 2,177 |
| Net loans and leases to deposits | 85.8684% | 2,151 |
| Net loans and leases to core deposits | 108.9017% | 925 |
| Total domestic deposits to total assets | 82.8573% | 3,883 |
| Equity capital to assets | 11.9252% | 2,015 |
| Core capital (leverage) ratio | 11.8786% | 1,699 |
| Tier 1 risk-based capital ratio | 13.3599% | 4,072 |
| Total risk-based capital ratio | 14.3422% | 4,165 |
| Memoranda: | ||
| Average total assets | $108,651,200 | 4,285 |
| Average earning assets | $102,631,200 | 4,219 |
| Average equity | $13,559,200 | 4,041 |
| Average total loans | $75,927,200 | 3,946 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,390 |
| Cost of funding earning assets | 0.4820% | 2,388 |
| Net interest margin | 3.5048% | 3,514 |
| Noninterest income to average assets | 0.2779% | 4,954 |
| Noninterest expense to average assets | 3.2327% | 1,878 |
| Loan and lease loss provision to assets | 0.2915% | 515 |
| Net operating income to assets | 0.0732% | 5,874 |
| Return on assets (ROA) | 0.0856% | 5,905 |
| Pretax return on assets | 0.0856% | 5,904 |
| Return on Equity (ROE) | 0.6780% | 5,904 |
| Retained earnings to average equity (ytd only) | 0.6780% | 5,420 |
| Net charge-offs to loans | 0.6192% | 360 |
| Credit loss provision to net charge-offs | 67.9191% | 2,802 |
| Earnings coverage of net charge-offs (x) | 0.8497% | 3,906 |
| Efficiency ratio | 89.8621% | 712 |
| Assets per employee ($millions) | 4.3728% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 4,009 |
| Loan loss allowance to noncurrent loans | 27.8760% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 3.6651% | 338 |
| Noncurrent loans to loans | 4.0826% | 308 |
| Net loans and leases to total assets | 68.6888% | 2,585 |
| Net loans and leases to deposits | 82.9254% | 2,537 |
| Net loans and leases to core deposits | 104.2796% | 1,213 |
| Total domestic deposits to total assets | 82.8320% | 3,872 |
| Equity capital to assets | 11.9980% | 2,112 |
| Core capital (leverage) ratio | 12.1606% | 1,588 |
| Tier 1 risk-based capital ratio | 13.4620% | 4,158 |
| Total risk-based capital ratio | 14.3652% | 4,286 |
| Memoranda: | ||
| Average total assets | $107,481,250 | 4,357 |
| Average earning assets | $101,800,000 | 4,289 |
| Average equity | $13,570,250 | 4,086 |
| Average total loans | $74,503,750 | 4,024 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,472 |
| Cost of funding earning assets | 0.4803% | 2,429 |
| Net interest margin | 3.4734% | 3,609 |
| Noninterest income to average assets | 0.2675% | 5,042 |
| Noninterest expense to average assets | 3.3090% | 1,674 |
| Loan and lease loss provision to assets | 0.2846% | 567 |
| Net operating income to assets | -0.0190% | 6,008 |
| Return on assets (ROA) | 0.0019% | 6,025 |
| Pretax return on assets | 0.0019% | 6,015 |
| Return on Equity (ROE) | 0.0148% | 6,025 |
| Retained earnings to average equity (ytd only) | 0.0148% | 5,499 |
| Net charge-offs to loans | 0.7314% | 308 |
| Credit loss provision to net charge-offs | 56.1798% | 2,637 |
| Earnings coverage of net charge-offs (x) | 0.5243% | 3,647 |
| Efficiency ratio | 92.5690% | 609 |
| Assets per employee ($millions) | 4.2676% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 3,828 |
| Loan loss allowance to noncurrent loans | 27.4010% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 3.9375% | 340 |
| Noncurrent loans to loans | 4.3587% | 325 |
| Net loans and leases to total assets | 69.2439% | 2,450 |
| Net loans and leases to deposits | 82.1166% | 2,536 |
| Net loans and leases to core deposits | 98.9539% | 1,571 |
| Total domestic deposits to total assets | 84.3239% | 3,433 |
| Equity capital to assets | 12.5624% | 1,624 |
| Core capital (leverage) ratio | 12.5189% | 1,370 |
| Tier 1 risk-based capital ratio | 14.3095% | 3,756 |
| Total risk-based capital ratio | 15.2684% | 3,851 |
| Memoranda: | ||
| Average total assets | $105,410,330 | 4,437 |
| Average earning assets | $100,363,330 | 4,357 |
| Average equity | $13,546,670 | 4,116 |
| Average total loans | $73,007,000 | 4,086 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 3,369 |
| Cost of funding earning assets | 0.4929% | 2,353 |
| Net interest margin | 3.4701% | 3,552 |
| Noninterest income to average assets | 0.2711% | 5,012 |
| Noninterest expense to average assets | 3.3826% | 1,520 |
| Loan and lease loss provision to assets | 0.2863% | 520 |
| Net operating income to assets | -0.0916% | 6,098 |
| Return on assets (ROA) | -0.0916% | 6,123 |
| Pretax return on assets | -0.0916% | 6,113 |
| Return on Equity (ROE) | -0.7049% | 6,109 |
| Retained earnings to average equity (ytd only) | -0.7049% | 5,500 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5571% | 566 |
| Assets per employee ($millions) | 4.2514% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 2,511 |
| Loan loss allowance to noncurrent loans | 30.6584% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 4.2161% | 343 |
| Noncurrent loans to loans | 4.8422% | 289 |
| Net loans and leases to total assets | 67.7440% | 2,492 |
| Net loans and leases to deposits | 80.7123% | 2,480 |
| Net loans and leases to core deposits | 97.6762% | 1,502 |
| Total domestic deposits to total assets | 83.9327% | 3,841 |
| Equity capital to assets | 12.9145% | 1,443 |
| Core capital (leverage) ratio | 12.6184% | 1,311 |
| Tier 1 risk-based capital ratio | 14.2289% | 3,860 |
| Total risk-based capital ratio | 15.3920% | 3,850 |
| Memoranda: | ||
| Average total assets | $104,770,000 | 4,483 |
| Average earning assets | $99,824,500 | 4,401 |
| Average equity | $13,618,500 | 4,135 |
| Average total loans | $72,125,500 | 4,129 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 4,011 |
| Cost of funding earning assets | 0.4961% | 2,708 |
| Net interest margin | 3.4351% | 4,045 |
| Noninterest income to average assets | 0.2595% | 5,274 |
| Noninterest expense to average assets | 3.5207% | 1,441 |
| Loan and lease loss provision to assets | 0.2915% | 710 |
| Net operating income to assets | -0.2896% | 6,233 |
| Return on assets (ROA) | -0.1924% | 6,200 |
| Pretax return on assets | -0.1924% | 6,186 |
| Return on Equity (ROE) | -1.4861% | 6,188 |
| Retained earnings to average equity (ytd only) | -1.4861% | 5,966 |
| Net charge-offs to loans | 0.9231% | 350 |
| Credit loss provision to net charge-offs | 46.9484% | 3,549 |
| Earnings coverage of net charge-offs (x) | 0.0031% | 4,713 |
| Efficiency ratio | 99.9448% | 365 |
| Assets per employee ($millions) | 3.9714% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 2,857 |
| Loan loss allowance to noncurrent loans | 23.9677% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 4.9934% | 280 |
| Noncurrent loans to loans | 5.9215% | 200 |
| Net loans and leases to total assets | 67.9428% | 2,563 |
| Net loans and leases to deposits | 81.1989% | 2,579 |
| Net loans and leases to core deposits | 98.1559% | 1,539 |
| Total domestic deposits to total assets | 83.6746% | 3,853 |
| Equity capital to assets | 13.0850% | 1,326 |
| Core capital (leverage) ratio | 12.9519% | 1,163 |
| Tier 1 risk-based capital ratio | 18.0034% | 2,138 |
| Total risk-based capital ratio | 19.2553% | 2,101 |
| Memoranda: | ||
| Average total assets | $102,905,400 | 4,530 |
| Average earning assets | $97,754,200 | 4,457 |
| Average equity | $13,323,200 | 4,133 |
| Average total loans | $69,222,600 | 4,211 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 4,046 |
| Cost of funding earning assets | 0.4929% | 2,835 |
| Net interest margin | 3.4380% | 4,080 |
| Noninterest income to average assets | 0.2775% | 5,218 |
| Noninterest expense to average assets | 3.5440% | 1,388 |
| Loan and lease loss provision to assets | 0.2918% | 681 |
| Net operating income to assets | -0.2931% | 6,314 |
| Return on assets (ROA) | -0.1621% | 6,259 |
| Pretax return on assets | -0.1621% | 6,240 |
| Return on Equity (ROE) | -1.2553% | 6,246 |
| Retained earnings to average equity (ytd only) | -1.2553% | 5,999 |
| Net charge-offs to loans | 0.2987% | 1,325 |
| Credit loss provision to net charge-offs | 146.1039% | 1,615 |
| Earnings coverage of net charge-offs (x) | -0.0065% | 4,455 |
| Efficiency ratio | 100.0366% | 360 |
| Assets per employee ($millions) | 4.0070% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1066% | 1,082 |
| Loan loss allowance to noncurrent loans | 28.4797% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 5.9176% | 238 |
| Noncurrent loans to loans | 7.3967% | 152 |
| Net loans and leases to total assets | 65.8721% | 2,890 |
| Net loans and leases to deposits | 77.2422% | 3,036 |
| Net loans and leases to core deposits | 93.8423% | 1,886 |
| Total domestic deposits to total assets | 85.2799% | 3,230 |
| Equity capital to assets | 13.3934% | 1,233 |
| Core capital (leverage) ratio | 13.2264% | 1,089 |
| Tier 1 risk-based capital ratio | 18.7100% | 1,986 |
| Total risk-based capital ratio | 19.9693% | 1,948 |
| Memoranda: | ||
| Average total assets | $102,817,750 | 4,575 |
| Average earning assets | $97,651,500 | 4,505 |
| Average equity | $13,276,250 | 4,165 |
| Average total loans | $68,737,000 | 4,248 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,985 |
| Cost of funding earning assets | 0.4877% | 2,949 |
| Net interest margin | 3.4501% | 3,978 |
| Noninterest income to average assets | 0.2604% | 5,334 |
| Noninterest expense to average assets | 3.5198% | 1,438 |
| Loan and lease loss provision to assets | 0.2893% | 686 |
| Net operating income to assets | -0.2604% | 6,351 |
| Return on assets (ROA) | -0.1292% | 6,289 |
| Pretax return on assets | -0.1292% | 6,277 |
| Return on Equity (ROE) | -1.0129% | 6,273 |
| Retained earnings to average equity (ytd only) | -1.0129% | 5,854 |
| Net charge-offs to loans | 0.4626% | 873 |
| Credit loss provision to net charge-offs | 93.7500% | 2,117 |
| Earnings coverage of net charge-offs (x) | 0.0938% | 4,115 |
| Efficiency ratio | 99.1848% | 427 |
| Assets per employee ($millions) | 3.8366% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 1,388 |
| Loan loss allowance to noncurrent loans | 26.4834% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 5.7902% | 273 |
| Noncurrent loans to loans | 7.4935% | 153 |
| Net loans and leases to total assets | 63.8417% | 3,094 |
| Net loans and leases to deposits | 74.4414% | 3,273 |
| Net loans and leases to core deposits | 89.9536% | 2,131 |
| Total domestic deposits to total assets | 85.7610% | 3,173 |
| Equity capital to assets | 12.9666% | 1,388 |
| Core capital (leverage) ratio | 12.9863% | 1,160 |
| Tier 1 risk-based capital ratio | 18.6490% | 2,019 |
| Total risk-based capital ratio | 19.9069% | 1,976 |
| Memoranda: | ||
| Average total assets | $103,698,330 | 4,589 |
| Average earning assets | $98,837,330 | 4,499 |
| Average equity | $13,229,330 | 4,180 |
| Average total loans | $69,180,000 | 4,264 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 4,200 |
| Cost of funding earning assets | 0.4893% | 3,017 |
| Net interest margin | 3.3845% | 4,199 |
| Noninterest income to average assets | 0.2506% | 5,360 |
| Noninterest expense to average assets | 3.5315% | 1,428 |
| Loan and lease loss provision to assets | 0.2891% | 684 |
| Net operating income to assets | -0.3431% | 6,418 |
| Return on assets (ROA) | -0.3431% | 6,417 |
| Pretax return on assets | -0.3431% | 6,410 |
| Return on Equity (ROE) | -2.7118% | 6,392 |
| Retained earnings to average equity (ytd only) | -2.7118% | 5,931 |
| Net charge-offs to loans | 0.9253% | 378 |
| Credit loss provision to net charge-offs | 46.2963% | 2,242 |
| Earnings coverage of net charge-offs (x) | -0.0864% | 3,440 |
| Efficiency ratio | 101.5521% | 436 |
| Assets per employee ($millions) | 4.0207% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 2,014 |
| Loan loss allowance to noncurrent loans | 24.5669% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 5.8017% | 306 |
| Noncurrent loans to loans | 7.3554% | 201 |
| Net loans and leases to total assets | 65.6004% | 2,625 |
| Net loans and leases to deposits | 76.2012% | 2,792 |
| Net loans and leases to core deposits | 91.5325% | 1,776 |
| Total domestic deposits to total assets | 86.0884% | 3,317 |
| Equity capital to assets | 12.6355% | 1,503 |
| Core capital (leverage) ratio | 12.9645% | 1,180 |
| Tier 1 risk-based capital ratio | 18.1360% | 2,236 |
| Total risk-based capital ratio | 19.3920% | 2,207 |
| Memoranda: | ||
| Average total assets | $103,753,000 | 4,638 |
| Average earning assets | $98,923,000 | 4,543 |
| Average equity | $13,128,000 | 4,213 |
| Average total loans | $70,034,000 | 4,261 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 4,079 |
| Cost of funding earning assets | 0.5583% | 3,037 |
| Net interest margin | 3.4434% | 4,118 |
| Noninterest income to average assets | 0.2731% | 5,402 |
| Noninterest expense to average assets | 3.3708% | 1,944 |
| Loan and lease loss provision to assets | 0.2885% | 1,188 |
| Net operating income to assets | -0.0885% | 6,290 |
| Return on assets (ROA) | 0.0212% | 6,220 |
| Pretax return on assets | 0.0212% | 6,198 |
| Return on Equity (ROE) | 0.1566% | 6,226 |
| Retained earnings to average equity (ytd only) | 0.1566% | 5,782 |
| Net charge-offs to loans | 0.8990% | 680 |
| Credit loss provision to net charge-offs | 50.8475% | 3,792 |
| Earnings coverage of net charge-offs (x) | 0.3525% | 4,965 |
| Efficiency ratio | 94.3981% | 724 |
| Assets per employee ($millions) | 3.9603% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 1,734 |
| Loan loss allowance to noncurrent loans | 21.6986% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 6.0379% | 318 |
| Noncurrent loans to loans | 8.8526% | 152 |
| Net loans and leases to total assets | 66.8942% | 2,542 |
| Net loans and leases to deposits | 76.8439% | 2,876 |
| Net loans and leases to core deposits | 91.2329% | 1,882 |
| Total domestic deposits to total assets | 87.0522% | 2,697 |
| Equity capital to assets | 12.6710% | 1,436 |
| Core capital (leverage) ratio | 12.9781% | 1,149 |
| Tier 1 risk-based capital ratio | 18.4458% | 2,097 |
| Total risk-based capital ratio | 19.6949% | 2,064 |
| Memoranda: | ||
| Average total assets | $103,980,200 | 4,647 |
| Average earning assets | $99,581,200 | 4,528 |
| Average equity | $14,050,000 | 4,057 |
| Average total loans | $65,629,400 | 4,425 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 4,031 |
| Cost of funding earning assets | 0.5653% | 3,117 |
| Net interest margin | 3.4600% | 4,059 |
| Noninterest income to average assets | 0.2968% | 5,322 |
| Noninterest expense to average assets | 3.3769% | 1,876 |
| Loan and lease loss provision to assets | 0.2878% | 1,194 |
| Net operating income to assets | -0.0563% | 6,342 |
| Return on assets (ROA) | 0.0883% | 6,212 |
| Pretax return on assets | 0.0883% | 6,218 |
| Return on Equity (ROE) | 0.6433% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.6433% | 5,711 |
| Net charge-offs to loans | 1.2179% | 446 |
| Credit loss provision to net charge-offs | 38.2003% | 3,748 |
| Earnings coverage of net charge-offs (x) | 0.3073% | 4,762 |
| Efficiency ratio | 93.5838% | 763 |
| Assets per employee ($millions) | 4.6174% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8429% | 2,166 |
| Loan loss allowance to noncurrent loans | 20.6813% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 5.8050% | 432 |
| Noncurrent loans to loans | 8.9110% | 178 |
| Net loans and leases to total assets | 63.9438% | 3,008 |
| Net loans and leases to deposits | 75.0450% | 3,087 |
| Net loans and leases to core deposits | 88.6286% | 2,119 |
| Total domestic deposits to total assets | 85.2073% | 3,628 |
| Equity capital to assets | 12.5187% | 1,570 |
| Core capital (leverage) ratio | 13.0788% | 1,173 |
| Tier 1 risk-based capital ratio | 18.5545% | 2,124 |
| Total risk-based capital ratio | 19.8109% | 2,092 |
| Memoranda: | ||
| Average total assets | $104,233,500 | 4,686 |
| Average earning assets | $99,765,250 | 4,565 |
| Average equity | $14,300,750 | 4,059 |
| Average total loans | $64,479,750 | 4,511 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 3,651 |
| Cost of funding earning assets | 0.5794% | 3,136 |
| Net interest margin | 3.5430% | 3,592 |
| Noninterest income to average assets | 0.3128% | 5,200 |
| Noninterest expense to average assets | 3.3849% | 1,859 |
| Loan and lease loss provision to assets | 0.2896% | 1,255 |
| Net operating income to assets | 0.0270% | 6,268 |
| Return on assets (ROA) | 0.2452% | 5,912 |
| Pretax return on assets | 0.2452% | 6,012 |
| Return on Equity (ROE) | 1.7354% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.7354% | 5,144 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4450% | 938 |
| Assets per employee ($millions) | 4.0063% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5857% | 894 |
| Loan loss allowance to noncurrent loans | 57.4318% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 2.9905% | 1,359 |
| Noncurrent loans to loans | 4.5022% | 775 |
| Net loans and leases to total assets | 64.7047% | 2,807 |
| Net loans and leases to deposits | 76.3278% | 2,834 |
| Net loans and leases to core deposits | 86.5488% | 2,285 |
| Total domestic deposits to total assets | 84.7721% | 4,009 |
| Equity capital to assets | 13.5431% | 1,112 |
| Core capital (leverage) ratio | 13.2329% | 1,077 |
| Tier 1 risk-based capital ratio | 18.7353% | 2,069 |
| Total risk-based capital ratio | 20.0055% | 2,026 |
| Memoranda: | ||
| Average total assets | $103,577,670 | 4,732 |
| Average earning assets | $99,067,670 | 4,618 |
| Average equity | $14,636,000 | 4,018 |
| Average total loans | $62,911,670 | 4,575 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 3,464 |
| Cost of funding earning assets | 0.5875% | 3,234 |
| Net interest margin | 3.5736% | 3,369 |
| Noninterest income to average assets | 0.2866% | 5,411 |
| Noninterest expense to average assets | 3.4313% | 1,762 |
| Loan and lease loss provision to assets | 0.2905% | 1,207 |
| Net operating income to assets | -0.0194% | 6,370 |
| Return on assets (ROA) | 0.4492% | 5,072 |
| Pretax return on assets | 0.4492% | 5,412 |
| Return on Equity (ROE) | 3.1140% | 5,540 |
| Retained earnings to average equity (ytd only) | 3.1140% | 4,405 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6778% | 933 |
| Assets per employee ($millions) | 4.2537% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7742% | 844 |
| Loan loss allowance to noncurrent loans | 117.2367% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.4321% | 3,115 |
| Noncurrent loans to loans | 2.3663% | 2,201 |
| Net loans and leases to total assets | 58.8408% | 3,644 |
| Net loans and leases to deposits | 69.7985% | 3,511 |
| Net loans and leases to core deposits | 79.0166% | 2,926 |
| Total domestic deposits to total assets | 84.3010% | 4,356 |
| Equity capital to assets | 14.4766% | 885 |
| Core capital (leverage) ratio | 13.2373% | 1,032 |
| Tier 1 risk-based capital ratio | 20.1420% | 1,731 |
| Total risk-based capital ratio | 21.4074% | 1,701 |
| Memoranda: | ||
| Average total assets | $103,284,500 | 4,785 |
| Average earning assets | $98,724,000 | 4,661 |
| Average equity | $14,900,500 | 4,012 |
| Average total loans | $59,773,500 | 4,718 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3695% | 3,947 |
| Cost of funding earning assets | 0.7483% | 3,098 |
| Net interest margin | 3.6212% | 3,998 |
| Noninterest income to average assets | 0.2915% | 5,384 |
| Noninterest expense to average assets | 3.2742% | 2,411 |
| Loan and lease loss provision to assets | 0.5553% | 1,026 |
| Net operating income to assets | -0.0898% | 6,277 |
| Return on assets (ROA) | 0.0083% | 6,291 |
| Pretax return on assets | 0.0083% | 6,270 |
| Return on Equity (ROE) | 0.0600% | 6,292 |
| Retained earnings to average equity (ytd only) | 0.0600% | 5,802 |
| Net charge-offs to loans | 0.1078% | 4,590 |
| Credit loss provision to net charge-offs | 923.0769% | 272 |
| Earnings coverage of net charge-offs (x) | 7.7385% | 2,537 |
| Efficiency ratio | 87.5526% | 1,281 |
| Assets per employee ($millions) | 4.3533% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8375% | 794 |
| Loan loss allowance to noncurrent loans | 111.2695% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.4098% | 3,287 |
| Noncurrent loans to loans | 2.5501% | 2,079 |
| Net loans and leases to total assets | 53.7175% | 4,657 |
| Net loans and leases to deposits | 63.6406% | 4,577 |
| Net loans and leases to core deposits | 72.0305% | 4,043 |
| Total domestic deposits to total assets | 84.4075% | 4,124 |
| Equity capital to assets | 14.3779% | 915 |
| Core capital (leverage) ratio | 12.8373% | 1,183 |
| Tier 1 risk-based capital ratio | 20.4229% | 1,578 |
| Total risk-based capital ratio | 21.6870% | 1,548 |
| Memoranda: | ||
| Average total assets | $108,056,800 | 4,634 |
| Average earning assets | $102,895,000 | 4,516 |
| Average equity | $15,002,000 | 3,969 |
| Average total loans | $60,299,800 | 4,697 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 4,112 |
| Cost of funding earning assets | 0.7803% | 3,109 |
| Net interest margin | 3.6047% | 4,220 |
| Noninterest income to average assets | 0.2913% | 5,447 |
| Noninterest expense to average assets | 3.2833% | 2,317 |
| Loan and lease loss provision to assets | 0.5507% | 1,051 |
| Net operating income to assets | -0.1114% | 6,415 |
| Return on assets (ROA) | 0.0184% | 6,385 |
| Pretax return on assets | 0.0184% | 6,379 |
| Return on Equity (ROE) | 0.1334% | 6,388 |
| Retained earnings to average equity (ytd only) | 0.1334% | 6,032 |
| Net charge-offs to loans | 0.1750% | 3,711 |
| Credit loss provision to net charge-offs | 562.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 4.4876% | 3,291 |
| Efficiency ratio | 88.1986% | 1,171 |
| Assets per employee ($millions) | 4.2401% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5088% | 1,202 |
| Loan loss allowance to noncurrent loans | 99.4602% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.3981% | 3,511 |
| Noncurrent loans to loans | 2.5224% | 2,262 |
| Net loans and leases to total assets | 54.0362% | 4,740 |
| Net loans and leases to deposits | 64.6698% | 4,635 |
| Net loans and leases to core deposits | 73.0389% | 4,113 |
| Total domestic deposits to total assets | 83.5571% | 4,411 |
| Equity capital to assets | 14.2788% | 1,046 |
| Core capital (leverage) ratio | 12.7757% | 1,285 |
| Tier 1 risk-based capital ratio | 20.0085% | 1,756 |
| Total risk-based capital ratio | 21.2409% | 1,734 |
| Memoranda: | ||
| Average total assets | $108,951,000 | 4,664 |
| Average earning assets | $103,714,000 | 4,551 |
| Average equity | $14,997,000 | 4,003 |
| Average total loans | $60,934,000 | 4,727 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 4,112 |
| Cost of funding earning assets | 0.8183% | 3,049 |
| Net interest margin | 3.6002% | 4,258 |
| Noninterest income to average assets | 0.2674% | 5,662 |
| Noninterest expense to average assets | 3.3329% | 2,208 |
| Loan and lease loss provision to assets | 0.5458% | 1,130 |
| Net operating income to assets | -0.1856% | 6,522 |
| Return on assets (ROA) | -0.0091% | 6,464 |
| Pretax return on assets | -0.0091% | 6,459 |
| Return on Equity (ROE) | -0.0669% | 6,464 |
| Retained earnings to average equity (ytd only) | -0.0669% | 6,050 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2463% | 1,056 |
| Assets per employee ($millions) | 4.2840% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3801% | 1,443 |
| Loan loss allowance to noncurrent loans | 89.4268% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.4659% | 3,510 |
| Noncurrent loans to loans | 2.6615% | 2,255 |
| Net loans and leases to total assets | 53.7679% | 4,845 |
| Net loans and leases to deposits | 64.1419% | 4,752 |
| Net loans and leases to core deposits | 72.8503% | 4,192 |
| Total domestic deposits to total assets | 83.8265% | 4,389 |
| Equity capital to assets | 14.0680% | 1,069 |
| Core capital (leverage) ratio | 12.2436% | 1,476 |
| Tier 1 risk-based capital ratio | 19.8592% | 1,735 |
| Total risk-based capital ratio | 21.1181% | 1,704 |
| Memoranda: | ||
| Average total assets | $109,933,670 | 4,672 |
| Average earning assets | $104,606,330 | 4,546 |
| Average equity | $14,950,670 | 3,999 |
| Average total loans | $61,660,670 | 4,721 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 4,300 |
| Cost of funding earning assets | 0.8401% | 3,150 |
| Net interest margin | 3.5676% | 4,406 |
| Noninterest income to average assets | 0.2263% | 6,003 |
| Noninterest expense to average assets | 3.2187% | 2,538 |
| Loan and lease loss provision to assets | 0.5388% | 1,099 |
| Net operating income to assets | -0.1293% | 6,566 |
| Return on assets (ROA) | -0.1293% | 6,637 |
| Pretax return on assets | -0.1293% | 6,619 |
| Return on Equity (ROE) | -0.9669% | 6,623 |
| Retained earnings to average equity (ytd only) | -0.9669% | 6,149 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7129% | 1,206 |
| Assets per employee ($millions) | 4.4819% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 2,317 |
| Loan loss allowance to noncurrent loans | 79.3671% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 3,753 |
| Noncurrent loans to loans | 2.5372% | 2,566 |
| Net loans and leases to total assets | 54.4579% | 4,643 |
| Net loans and leases to deposits | 64.3111% | 4,590 |
| Net loans and leases to core deposits | 73.2117% | 3,989 |
| Total domestic deposits to total assets | 84.6789% | 4,170 |
| Equity capital to assets | 13.3059% | 1,318 |
| Core capital (leverage) ratio | 12.2702% | 1,452 |
| Tier 1 risk-based capital ratio | 18.7880% | 2,053 |
| Total risk-based capital ratio | 20.0430% | 2,021 |
| Memoranda: | ||
| Average total assets | $111,350,000 | 4,675 |
| Average earning assets | $106,179,000 | 4,541 |
| Average equity | $14,892,500 | 4,012 |
| Average total loans | $62,996,000 | 4,699 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 3,642 |
| Cost of funding earning assets | 0.9644% | 3,613 |
| Net interest margin | 3.8723% | 3,461 |
| Noninterest income to average assets | 0.2408% | 5,817 |
| Noninterest expense to average assets | 3.2355% | 2,745 |
| Loan and lease loss provision to assets | 0.4210% | 2,489 |
| Net operating income to assets | 0.2763% | 5,346 |
| Return on assets (ROA) | 0.2894% | 5,448 |
| Pretax return on assets | 0.2894% | 5,590 |
| Return on Equity (ROE) | 2.1561% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.1561% | 4,683 |
| Net charge-offs to loans | 0.5927% | 2,672 |
| Credit loss provision to net charge-offs | 115.9383% | 2,803 |
| Earnings coverage of net charge-offs (x) | 1.9203% | 4,334 |
| Efficiency ratio | 82.2692% | 1,979 |
| Assets per employee ($millions) | 4.2558% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 3,081 |
| Loan loss allowance to noncurrent loans | 69.8734% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 3,851 |
| Noncurrent loans to loans | 2.4796% | 2,654 |
| Net loans and leases to total assets | 56.5873% | 4,608 |
| Net loans and leases to deposits | 66.9837% | 4,582 |
| Net loans and leases to core deposits | 77.0115% | 3,825 |
| Total domestic deposits to total assets | 84.4793% | 4,105 |
| Equity capital to assets | 13.4440% | 1,300 |
| Core capital (leverage) ratio | 12.3712% | 1,404 |
| Tier 1 risk-based capital ratio | 18.5056% | 2,043 |
| Total risk-based capital ratio | 19.7578% | 2,010 |
| Memoranda: | ||
| Average total assets | $107,125,400 | 4,700 |
| Average earning assets | $102,137,000 | 4,583 |
| Average equity | $14,378,000 | 4,035 |
| Average total loans | $65,634,600 | 4,647 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9222% | 3,464 |
| Cost of funding earning assets | 0.9889% | 3,757 |
| Net interest margin | 3.9333% | 3,218 |
| Noninterest income to average assets | 0.1882% | 6,256 |
| Noninterest expense to average assets | 3.2880% | 2,536 |
| Loan and lease loss provision to assets | 0.3777% | 2,591 |
| Net operating income to assets | 0.2761% | 5,483 |
| Return on assets (ROA) | 0.2937% | 5,592 |
| Pretax return on assets | 0.2937% | 5,715 |
| Return on Equity (ROE) | 2.1889% | 5,709 |
| Retained earnings to average equity (ytd only) | 2.1889% | 5,029 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4129% | 1,803 |
| Assets per employee ($millions) | 4.1900% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 2,170 |
| Loan loss allowance to noncurrent loans | 251.0280% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 5,861 |
| Noncurrent loans to loans | 0.8216% | 5,224 |
| Net loans and leases to total assets | 58.5405% | 4,410 |
| Net loans and leases to deposits | 69.4835% | 4,386 |
| Net loans and leases to core deposits | 79.5892% | 3,699 |
| Total domestic deposits to total assets | 84.2510% | 4,119 |
| Equity capital to assets | 13.6626% | 1,299 |
| Core capital (leverage) ratio | 12.7680% | 1,321 |
| Tier 1 risk-based capital ratio | 18.2471% | 2,174 |
| Total risk-based capital ratio | 19.5167% | 2,129 |
| Memoranda: | ||
| Average total assets | $106,243,750 | 4,757 |
| Average earning assets | $101,389,000 | 4,631 |
| Average equity | $14,253,500 | 4,081 |
| Average total loans | $66,113,500 | 4,672 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 3,278 |
| Cost of funding earning assets | 1.0152% | 3,845 |
| Net interest margin | 3.9615% | 3,030 |
| Noninterest income to average assets | 0.1842% | 6,342 |
| Noninterest expense to average assets | 3.3072% | 2,534 |
| Loan and lease loss provision to assets | 0.3474% | 2,700 |
| Net operating income to assets | 0.3076% | 5,347 |
| Return on assets (ROA) | 0.3076% | 5,480 |
| Pretax return on assets | 0.3076% | 5,653 |
| Return on Equity (ROE) | 2.3071% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.3071% | 4,822 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4691% | 1,890 |
| Assets per employee ($millions) | 4.1808% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8107% | 2,955 |
| Loan loss allowance to noncurrent loans | 269.2308% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 6,056 |
| Noncurrent loans to loans | 0.6725% | 5,559 |
| Net loans and leases to total assets | 63.5553% | 3,567 |
| Net loans and leases to deposits | 76.0707% | 3,456 |
| Net loans and leases to core deposits | 84.3412% | 3,159 |
| Total domestic deposits to total assets | 83.5476% | 4,534 |
| Equity capital to assets | 13.8308% | 1,157 |
| Core capital (leverage) ratio | 12.4575% | 1,383 |
| Tier 1 risk-based capital ratio | 17.7933% | 2,241 |
| Total risk-based capital ratio | 19.0477% | 2,195 |
| Memoranda: | ||
| Average total assets | $105,345,000 | 4,814 |
| Average earning assets | $100,468,000 | 4,700 |
| Average equity | $14,043,330 | 4,111 |
| Average total loans | $66,445,670 | 4,707 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 3,959 |
| Cost of funding earning assets | 1.0196% | 4,064 |
| Net interest margin | 3.8006% | 3,611 |
| Noninterest income to average assets | 0.1853% | 6,398 |
| Noninterest expense to average assets | 3.3095% | 2,527 |
| Loan and lease loss provision to assets | 0.3139% | 2,660 |
| Net operating income to assets | 0.1853% | 5,835 |
| Return on assets (ROA) | 0.1853% | 5,893 |
| Pretax return on assets | 0.1853% | 5,975 |
| Return on Equity (ROE) | 1.4165% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.4165% | 5,254 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8918% | 1,617 |
| Assets per employee ($millions) | 4.1427% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 3,307 |
| Loan loss allowance to noncurrent loans | 247.2527% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4224% | 6,148 |
| Noncurrent loans to loans | 0.6913% | 5,642 |
| Net loans and leases to total assets | 60.0641% | 4,249 |
| Net loans and leases to deposits | 70.5915% | 4,255 |
| Net loans and leases to core deposits | 78.5467% | 3,944 |
| Total domestic deposits to total assets | 85.0868% | 3,993 |
| Equity capital to assets | 12.8382% | 1,455 |
| Core capital (leverage) ratio | 12.6067% | 1,278 |
| Tier 1 risk-based capital ratio | 17.6879% | 2,221 |
| Total risk-based capital ratio | 18.9402% | 2,194 |
| Memoranda: | ||
| Average total assets | $105,757,500 | 4,845 |
| Average earning assets | $100,826,000 | 4,720 |
| Average equity | $13,837,000 | 4,145 |
| Average total loans | $65,842,000 | 4,777 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 4,122 |
| Cost of funding earning assets | 1.2411% | 4,275 |
| Net interest margin | 3.8531% | 3,722 |
| Noninterest income to average assets | 0.2292% | 6,164 |
| Noninterest expense to average assets | 3.1899% | 3,133 |
| Loan and lease loss provision to assets | 0.1902% | 5,329 |
| Net operating income to assets | 0.4944% | 4,123 |
| Return on assets (ROA) | 0.5081% | 4,216 |
| Pretax return on assets | 0.5081% | 4,592 |
| Return on Equity (ROE) | 3.7524% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.7524% | 3,240 |
| Net charge-offs to loans | 0.0577% | 6,212 |
| Credit loss provision to net charge-offs | 500.0000% | 451 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,119 |
| Efficiency ratio | 82.3307% | 2,119 |
| Assets per employee ($millions) | 4.1522% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 3,655 |
| Loan loss allowance to noncurrent loans | 229.0110% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 6,173 |
| Noncurrent loans to loans | 0.6908% | 5,663 |
| Net loans and leases to total assets | 62.4459% | 4,187 |
| Net loans and leases to deposits | 73.9268% | 4,202 |
| Net loans and leases to core deposits | 82.4057% | 3,839 |
| Total domestic deposits to total assets | 84.4699% | 4,135 |
| Equity capital to assets | 13.3385% | 1,242 |
| Core capital (leverage) ratio | 12.8377% | 1,182 |
| Tier 1 risk-based capital ratio | 17.5270% | 2,163 |
| Total risk-based capital ratio | 18.7914% | 2,122 |
| Memoranda: | ||
| Average total assets | $102,541,200 | 4,910 |
| Average earning assets | $97,014,000 | 4,805 |
| Average equity | $13,884,600 | 4,165 |
| Average total loans | $67,594,000 | 4,765 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 4,080 |
| Cost of funding earning assets | 1.2895% | 4,295 |
| Net interest margin | 3.8602% | 3,710 |
| Noninterest income to average assets | 0.2074% | 6,421 |
| Noninterest expense to average assets | 3.1537% | 3,094 |
| Loan and lease loss provision to assets | 0.1422% | 5,613 |
| Net operating income to assets | 0.5582% | 4,062 |
| Return on assets (ROA) | 0.5765% | 4,137 |
| Pretax return on assets | 0.5765% | 4,673 |
| Return on Equity (ROE) | 4.2415% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.2415% | 3,504 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8274% | 2,079 |
| Assets per employee ($millions) | 3.9665% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 4,042 |
| Loan loss allowance to noncurrent loans | 2,551.2821% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 7,259 |
| Noncurrent loans to loans | 0.0581% | 7,097 |
| Net loans and leases to total assets | 64.0848% | 4,107 |
| Net loans and leases to deposits | 76.4108% | 4,099 |
| Net loans and leases to core deposits | 87.4368% | 3,456 |
| Total domestic deposits to total assets | 83.8687% | 4,201 |
| Equity capital to assets | 13.9389% | 1,183 |
| Core capital (leverage) ratio | 12.7879% | 1,305 |
| Tier 1 risk-based capital ratio | 17.4256% | 2,196 |
| Total risk-based capital ratio | 18.6762% | 2,158 |
| Memoranda: | ||
| Average total assets | $102,225,250 | 4,979 |
| Average earning assets | $96,572,000 | 4,870 |
| Average equity | $13,894,250 | 4,224 |
| Average total loans | $68,026,500 | 4,832 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2098% | 3,903 |
| Cost of funding earning assets | 1.3686% | 4,072 |
| Net interest margin | 3.8412% | 3,710 |
| Noninterest income to average assets | 0.1845% | 6,587 |
| Noninterest expense to average assets | 3.1160% | 3,237 |
| Loan and lease loss provision to assets | 0.1432% | 5,468 |
| Net operating income to assets | 0.5435% | 4,126 |
| Return on assets (ROA) | 0.5455% | 4,257 |
| Pretax return on assets | 0.5455% | 4,756 |
| Return on Equity (ROE) | 4.0483% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.0483% | 3,506 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9401% | 2,176 |
| Assets per employee ($millions) | 4.0550% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 4,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 66.6200% | 3,706 |
| Net loans and leases to deposits | 79.5037% | 3,688 |
| Net loans and leases to core deposits | 89.3688% | 3,356 |
| Total domestic deposits to total assets | 83.7948% | 4,201 |
| Equity capital to assets | 14.0094% | 1,154 |
| Core capital (leverage) ratio | 12.7745% | 1,293 |
| Tier 1 risk-based capital ratio | 16.9341% | 2,304 |
| Total risk-based capital ratio | 18.1854% | 2,259 |
| Memoranda: | ||
| Average total assets | $101,924,000 | 5,023 |
| Average earning assets | $96,011,670 | 4,924 |
| Average equity | $13,734,000 | 4,261 |
| Average total loans | $68,340,330 | 4,849 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1984% | 4,024 |
| Cost of funding earning assets | 1.4561% | 3,828 |
| Net interest margin | 3.7424% | 4,045 |
| Noninterest income to average assets | 0.1526% | 6,877 |
| Noninterest expense to average assets | 3.0216% | 3,596 |
| Loan and lease loss provision to assets | 0.1448% | 5,105 |
| Net operating income to assets | 0.4971% | 4,403 |
| Return on assets (ROA) | 0.4971% | 4,542 |
| Pretax return on assets | 0.4971% | 4,971 |
| Return on Equity (ROE) | 3.7630% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.7630% | 3,892 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4786% | 2,210 |
| Assets per employee ($millions) | 4.2692% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 4,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 65.7401% | 3,923 |
| Net loans and leases to deposits | 77.8840% | 4,067 |
| Net loans and leases to core deposits | 89.6612% | 3,413 |
| Total domestic deposits to total assets | 84.4077% | 3,947 |
| Equity capital to assets | 13.4002% | 1,364 |
| Core capital (leverage) ratio | 12.5206% | 1,397 |
| Tier 1 risk-based capital ratio | 16.6409% | 2,394 |
| Total risk-based capital ratio | 17.8383% | 2,364 |
| Memoranda: | ||
| Average total assets | $102,198,500 | 5,084 |
| Average earning assets | $95,875,500 | 4,991 |
| Average equity | $13,500,000 | 4,356 |
| Average total loans | $68,263,000 | 4,925 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 4,216 |
| Cost of funding earning assets | 2.0230% | 2,856 |
| Net interest margin | 3.4635% | 5,114 |
| Noninterest income to average assets | 0.1360% | 7,074 |
| Noninterest expense to average assets | 3.8536% | 1,591 |
| Loan and lease loss provision to assets | 0.1547% | 6,124 |
| Net operating income to assets | -0.6499% | 6,314 |
| Return on assets (ROA) | -0.8139% | 6,444 |
| Pretax return on assets | -0.8139% | 6,272 |
| Return on Equity (ROE) | -5.9327% | 6,297 |
| Retained earnings to average equity (ytd only) | -5.9327% | 6,139 |
| Net charge-offs to loans | 0.0081% | 7,119 |
| Credit loss provision to net charge-offs | 2,980.0000% | 119 |
| Earnings coverage of net charge-offs (x) | -95.4000% | 7,224 |
| Efficiency ratio | 114.7450% | 691 |
| Assets per employee ($millions) | 4.0774% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 66.0797% | 4,126 |
| Net loans and leases to deposits | 77.9519% | 4,384 |
| Net loans and leases to core deposits | 125.8341% | 1,527 |
| Total domestic deposits to total assets | 84.7699% | 3,673 |
| Equity capital to assets | 13.0180% | 1,498 |
| Core capital (leverage) ratio | 12.0930% | 1,625 |
| Tier 1 risk-based capital ratio | 16.2542% | 2,414 |
| Total risk-based capital ratio | 17.4106% | 2,384 |
| Memoranda: | ||
| Average total assets | $96,325,600 | 5,193 |
| Average earning assets | $89,620,000 | 5,133 |
| Average equity | $13,215,000 | 4,452 |
| Average total loans | $61,739,200 | 5,183 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 4,501 |
| Cost of funding earning assets | 2.1484% | 2,660 |
| Net interest margin | 3.3349% | 5,509 |
| Noninterest income to average assets | 0.1067% | 7,372 |
| Noninterest expense to average assets | 3.8009% | 1,584 |
| Loan and lease loss provision to assets | 0.0941% | 6,425 |
| Net operating income to assets | -0.6812% | 6,585 |
| Return on assets (ROA) | -0.8666% | 6,737 |
| Pretax return on assets | -0.8666% | 6,581 |
| Return on Equity (ROE) | -6.2316% | 6,579 |
| Retained earnings to average equity (ytd only) | -6.2316% | 6,413 |
| Net charge-offs to loans | 0.0111% | 6,783 |
| Credit loss provision to net charge-offs | 1,340.0000% | 292 |
| Earnings coverage of net charge-offs (x) | -83.5562% | 6,971 |
| Efficiency ratio | 118.2692% | 620 |
| Assets per employee ($millions) | 3.8720% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 4,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 60.9838% | 5,429 |
| Net loans and leases to deposits | 72.9376% | 5,518 |
| Net loans and leases to core deposits | 114.3067% | 2,801 |
| Total domestic deposits to total assets | 83.6110% | 3,898 |
| Equity capital to assets | 13.0882% | 1,662 |
| Core capital (leverage) ratio | 12.3863% | 1,623 |
| Tier 1 risk-based capital ratio | 17.0230% | 2,270 |
| Total risk-based capital ratio | 18.1398% | 2,260 |
| Memoranda: | ||
| Average total assets | $94,923,000 | 5,274 |
| Average earning assets | $88,436,250 | 5,217 |
| Average equity | $13,201,250 | 4,487 |
| Average total loans | $60,112,750 | 5,282 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5069% | 4,587 |
| Cost of funding earning assets | 2.2631% | 2,516 |
| Net interest margin | 3.2438% | 5,760 |
| Noninterest income to average assets | 0.0989% | 7,489 |
| Noninterest expense to average assets | 3.9266% | 1,436 |
| Loan and lease loss provision to assets | 0.1290% | 5,811 |
| Net operating income to assets | -0.9053% | 6,902 |
| Return on assets (ROA) | -0.8881% | 6,903 |
| Pretax return on assets | -0.8881% | 6,737 |
| Return on Equity (ROE) | -6.2530% | 6,737 |
| Retained earnings to average equity (ytd only) | -6.2530% | 6,483 |
| Net charge-offs to loans | 0.0168% | 6,289 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | -72.2000% | 6,608 |
| Efficiency ratio | 124.6416% | 595 |
| Assets per employee ($millions) | 3.2174% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.1732% | 5,149 |
| Net loans and leases to deposits | 75.9352% | 5,187 |
| Net loans and leases to core deposits | 110.0888% | 3,363 |
| Total domestic deposits to total assets | 83.1935% | 4,150 |
| Equity capital to assets | 13.3141% | 1,553 |
| Core capital (leverage) ratio | 12.9163% | 1,461 |
| Tier 1 risk-based capital ratio | 17.3477% | 2,194 |
| Total risk-based capital ratio | 18.4599% | 2,170 |
| Memoranda: | ||
| Average total assets | $93,007,000 | 5,371 |
| Average earning assets | $87,490,000 | 5,281 |
| Average equity | $13,209,670 | 4,489 |
| Average total loans | $59,418,000 | 5,357 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 5,156 |
| Cost of funding earning assets | 2.3304% | 2,574 |
| Net interest margin | 3.1240% | 6,130 |
| Noninterest income to average assets | 0.0921% | 7,594 |
| Noninterest expense to average assets | 3.8488% | 1,385 |
| Loan and lease loss provision to assets | 0.1052% | 5,622 |
| Net operating income to assets | -0.8767% | 7,174 |
| Return on assets (ROA) | -0.8592% | 7,191 |
| Pretax return on assets | -0.8592% | 7,068 |
| Return on Equity (ROE) | -5.8556% | 7,050 |
| Retained earnings to average equity (ytd only) | -5.8556% | 6,663 |
| Net charge-offs to loans | 0.0343% | 5,033 |
| Credit loss provision to net charge-offs | 480.0000% | 1,120 |
| Earnings coverage of net charge-offs (x) | -35.2000% | 5,689 |
| Efficiency ratio | 125.0712% | 572 |
| Assets per employee ($millions) | 3.3957% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2872% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 63.6534% | 5,047 |
| Net loans and leases to deposits | 78.6290% | 4,827 |
| Net loans and leases to core deposits | 107.4117% | 3,754 |
| Total domestic deposits to total assets | 80.9541% | 4,989 |
| Equity capital to assets | 14.5663% | 1,214 |
| Core capital (leverage) ratio | 13.6054% | 1,294 |
| Tier 1 risk-based capital ratio | 18.5399% | 1,918 |
| Total risk-based capital ratio | 19.6580% | 1,915 |
| Memoranda: | ||
| Average total assets | $91,249,500 | 5,446 |
| Average earning assets | $87,196,000 | 5,312 |
| Average equity | $13,389,000 | 4,480 |
| Average total loans | $58,240,500 | 5,437 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8022% | 6,417 |
| Cost of funding earning assets | 2.5515% | 3,949 |
| Net interest margin | 3.2507% | 6,211 |
| Noninterest income to average assets | 0.0887% | 7,696 |
| Noninterest expense to average assets | 4.3489% | 993 |
| Loan and lease loss provision to assets | 0.5008% | 2,807 |
| Net operating income to assets | -1.6648% | 7,521 |
| Return on assets (ROA) | -1.6648% | 7,472 |
| Pretax return on assets | -1.6648% | 7,329 |
| Return on Equity (ROE) | -8.9608% | 7,192 |
| Retained earnings to average equity (ytd only) | -8.9608% | 6,964 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.5467% | 422 |
| Assets per employee ($millions) | 3.3635% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 3,832 |
| Loan loss allowance to noncurrent loans | 332.7354% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 6,595 |
| Noncurrent loans to loans | 0.3888% | 6,178 |
| Net loans and leases to total assets | 62.3443% | 5,567 |
| Net loans and leases to deposits | 77.2320% | 5,442 |
| Net loans and leases to core deposits | 110.9439% | 3,693 |
| Total domestic deposits to total assets | 80.7234% | 4,761 |
| Equity capital to assets | 14.7806% | 1,220 |
| Core capital (leverage) ratio | 15.2737% | 966 |
| Tier 1 risk-based capital ratio | 19.5903% | 1,684 |
| Total risk-based capital ratio | 20.7271% | 1,670 |
| Memoranda: | ||
| Average total assets | $73,283,600 | 5,928 |
| Average earning assets | $69,801,400 | 5,825 |
| Average equity | $13,614,800 | 4,420 |
| Average total loans | $44,147,400 | 5,971 |