Home > Pinnacle Bank > Performance and Condition Ratios
Pinnacle 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 | 5.4805% | 1,187 |
| Cost of funding earning assets | 1.2246% | 2,745 |
| Net interest margin | 4.2558% | 868 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 1.6344% | 4,212 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.9751% | 485 |
| Return on assets (ROA) | 1.9386% | 487 |
| Pretax return on assets | 2.4643% | 350 |
| Return on Equity (ROE) | 15.0400% | 1,282 |
| Retained earnings to average equity (ytd only) | 8.6502% | 1,354 |
| Net charge-offs to loans | 0.2822% | 378 |
| Credit loss provision to net charge-offs | 184.4133% | 1,285 |
| Earnings coverage of net charge-offs (x) | 15.1839% | 2,053 |
| Efficiency ratio | 36.3856% | 4,431 |
| Assets per employee ($millions) | 11.8129% | 431 |
| Cash dividends to net income (ytd only)* | 42.5026% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 3,200 |
| Loan loss allowance to noncurrent loans | 63.4436% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.1516% | 391 |
| Noncurrent loans to loans | 1.6113% | 403 |
| Net loans and leases to total assets | 70.7400% | 1,732 |
| Net loans and leases to deposits | 82.7674% | 1,892 |
| Net loans and leases to core deposits | 122.9344% | 547 |
| Total domestic deposits to total assets | 85.4700% | 2,169 |
| Equity capital to assets | 13.6455% | 742 |
| Core capital (leverage) ratio | 15.3041% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0696% | 906 |
| Memoranda: | ||
| Average total assets | $303,413,000 | 2,415 |
| Average earning assets | $280,085,200 | 2,415 |
| Average equity | $39,097,400 | 1,913 |
| Average total loans | $202,305,000 | 2,272 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4169% | 1,107 |
| Cost of funding earning assets | 0.9332% | 3,195 |
| Net interest margin | 4.4837% | 633 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 1.5974% | 4,242 |
| Loan and lease loss provision to assets | 0.3300% | 272 |
| Net operating income to assets | 2.1759% | 389 |
| Return on assets (ROA) | 2.1369% | 404 |
| Pretax return on assets | 2.7236% | 302 |
| Return on Equity (ROE) | 16.8400% | 1,105 |
| Retained earnings to average equity (ytd only) | 15.0991% | 543 |
| Net charge-offs to loans | 0.0168% | 1,796 |
| Credit loss provision to net charge-offs | 3,000.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 281.6400% | 475 |
| Efficiency ratio | 33.9803% | 4,479 |
| Assets per employee ($millions) | 12.0338% | 371 |
| Cash dividends to net income (ytd only)* | 10.3135% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2078% | 2,319 |
| Loan loss allowance to noncurrent loans | 170.6932% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 1,193 |
| Noncurrent loans to loans | 0.7076% | 1,171 |
| Net loans and leases to total assets | 67.6200% | 2,089 |
| Net loans and leases to deposits | 78.6397% | 2,179 |
| Net loans and leases to core deposits | 97.2869% | 1,493 |
| Total domestic deposits to total assets | 85.9800% | 2,200 |
| Equity capital to assets | 12.8887% | 839 |
| Core capital (leverage) ratio | 15.3577% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3288% | 784 |
| Memoranda: | ||
| Average total assets | $302,482,500 | 2,420 |
| Average earning assets | $279,614,000 | 2,419 |
| Average equity | $38,394,250 | 1,922 |
| Average total loans | $198,004,750 | 2,303 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 1,006 |
| Cost of funding earning assets | 0.9309% | 2,829 |
| Net interest margin | 4.4253% | 678 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 1.6408% | 4,219 |
| Loan and lease loss provision to assets | 0.3700% | 233 |
| Net operating income to assets | 2.0424% | 437 |
| Return on assets (ROA) | 1.9840% | 475 |
| Pretax return on assets | 2.5397% | 337 |
| Return on Equity (ROE) | 15.7100% | 1,319 |
| Retained earnings to average equity (ytd only) | 13.0973% | 795 |
| Net charge-offs to loans | 0.0031% | 2,225 |
| Credit loss provision to net charge-offs | 18,833.3333% | 30 |
| Earnings coverage of net charge-offs (x) | 1,508.3333% | 94 |
| Efficiency ratio | 35.4586% | 4,486 |
| Assets per employee ($millions) | 11.1588% | 491 |
| Cash dividends to net income (ytd only)* | 16.6334% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 2,677 |
| Loan loss allowance to noncurrent loans | 129.5429% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 943 |
| Noncurrent loans to loans | 0.8932% | 858 |
| Net loans and leases to total assets | 63.5400% | 2,429 |
| Net loans and leases to deposits | 73.5438% | 2,539 |
| Net loans and leases to core deposits | 91.0273% | 1,735 |
| Total domestic deposits to total assets | 86.4000% | 2,116 |
| Equity capital to assets | 12.7424% | 878 |
| Core capital (leverage) ratio | 14.5207% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7878% | 844 |
| Memoranda: | ||
| Average total assets | $303,028,667 | 2,427 |
| Average earning assets | $279,078,333 | 2,428 |
| Average equity | $38,267,333 | 1,931 |
| Average total loans | $195,370,000 | 2,317 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3971% | 724 |
| Cost of funding earning assets | 0.9453% | 2,235 |
| Net interest margin | 4.4518% | 624 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 1.4401% | 4,441 |
| Loan and lease loss provision to assets | 0.6800% | 100 |
| Net operating income to assets | 1.9724% | 511 |
| Return on assets (ROA) | 1.9724% | 504 |
| Pretax return on assets | 2.4873% | 364 |
| Return on Equity (ROE) | 15.6900% | 1,422 |
| Retained earnings to average equity (ytd only) | 10.3589% | 1,614 |
| Net charge-offs to loans | 0.0083% | 1,633 |
| Credit loss provision to net charge-offs | 12,750.0000% | 32 |
| Earnings coverage of net charge-offs (x) | 591.2500% | 192 |
| Efficiency ratio | 31.2300% | 4,595 |
| Assets per employee ($millions) | 11.5286% | 451 |
| Cash dividends to net income (ytd only)* | 33.9905% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,842 |
| Loan loss allowance to noncurrent loans | 117.3306% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 816 |
| Noncurrent loans to loans | 0.9735% | 760 |
| Net loans and leases to total assets | 63.0600% | 2,354 |
| Net loans and leases to deposits | 72.6744% | 2,409 |
| Net loans and leases to core deposits | 89.9087% | 1,620 |
| Total domestic deposits to total assets | 86.7800% | 2,346 |
| Equity capital to assets | 12.3953% | 896 |
| Core capital (leverage) ratio | 14.7600% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3158% | 945 |
| Memoranda: | ||
| Average total assets | $298,320,000 | 2,481 |
| Average earning assets | $272,517,500 | 2,492 |
| Average equity | $37,494,500 | 1,981 |
| Average total loans | $192,625,000 | 2,360 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 798 |
| Cost of funding earning assets | 0.2978% | 2,894 |
| Net interest margin | 4.1537% | 604 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.5901% | 4,318 |
| Loan and lease loss provision to assets | 0.4800% | 126 |
| Net operating income to assets | 1.8011% | 445 |
| Return on assets (ROA) | 1.7702% | 450 |
| Pretax return on assets | 2.2060% | 316 |
| Return on Equity (ROE) | 12.5200% | 1,968 |
| Retained earnings to average equity (ytd only) | 9.8977% | 1,192 |
| Net charge-offs to loans | 0.8616% | 76 |
| Credit loss provision to net charge-offs | 85.5366% | 1,656 |
| Earnings coverage of net charge-offs (x) | 4.8194% | 2,401 |
| Efficiency ratio | 36.8168% | 4,597 |
| Assets per employee ($millions) | 10.1917% | 638 |
| Cash dividends to net income (ytd only)* | 20.9336% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 3,718 |
| Loan loss allowance to noncurrent loans | 87.6156% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 712 |
| Noncurrent loans to loans | 1.0424% | 697 |
| Net loans and leases to total assets | 64.8200% | 2,164 |
| Net loans and leases to deposits | 78.8919% | 1,857 |
| Net loans and leases to core deposits | 102.9423% | 853 |
| Total domestic deposits to total assets | 82.1600% | 3,599 |
| Equity capital to assets | 12.7576% | 752 |
| Core capital (leverage) ratio | 16.4902% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5891% | 884 |
| Memoranda: | ||
| Average total assets | $269,852,200 | 2,609 |
| Average earning assets | $249,174,000 | 2,621 |
| Average equity | $38,160,400 | 1,988 |
| Average total loans | $177,354,600 | 2,397 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 712 |
| Cost of funding earning assets | 0.2580% | 2,631 |
| Net interest margin | 4.0560% | 566 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.5500% | 4,363 |
| Loan and lease loss provision to assets | 0.5900% | 85 |
| Net operating income to assets | 1.7169% | 510 |
| Return on assets (ROA) | 1.7169% | 498 |
| Pretax return on assets | 2.1104% | 371 |
| Return on Equity (ROE) | 11.8300% | 2,087 |
| Retained earnings to average equity (ytd only) | 11.8308% | 829 |
| Net charge-offs to loans | 0.1234% | 512 |
| Credit loss provision to net charge-offs | 726.5432% | 504 |
| Earnings coverage of net charge-offs (x) | 33.2531% | 1,474 |
| Efficiency ratio | 36.4666% | 4,639 |
| Assets per employee ($millions) | 9.5578% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 997 |
| Loan loss allowance to noncurrent loans | 87.4257% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 286 |
| Noncurrent loans to loans | 1.8733% | 329 |
| Net loans and leases to total assets | 68.4500% | 1,624 |
| Net loans and leases to deposits | 81.8738% | 1,451 |
| Net loans and leases to core deposits | 91.5320% | 1,207 |
| Total domestic deposits to total assets | 83.6000% | 3,583 |
| Equity capital to assets | 13.6948% | 594 |
| Core capital (leverage) ratio | 16.2524% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7860% | 753 |
| Memoranda: | ||
| Average total assets | $265,973,250 | 2,651 |
| Average earning assets | $249,074,500 | 2,635 |
| Average equity | $38,599,000 | 2,000 |
| Average total loans | $175,023,500 | 2,421 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 743 |
| Cost of funding earning assets | 0.2533% | 2,217 |
| Net interest margin | 3.8647% | 657 |
| Noninterest income to average assets | 0.4319% | 2,560 |
| Noninterest expense to average assets | 1.4996% | 4,419 |
| Loan and lease loss provision to assets | 0.8540% | 55 |
| Net operating income to assets | 1.4534% | 792 |
| Return on assets (ROA) | 1.4534% | 769 |
| Pretax return on assets | 1.7140% | 729 |
| Return on Equity (ROE) | 9.8375% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.8375% | 1,062 |
| Net charge-offs to loans | 0.1833% | 352 |
| Credit loss provision to net charge-offs | 721.3836% | 507 |
| Earnings coverage of net charge-offs (x) | 21.6918% | 1,517 |
| Efficiency ratio | 36.8662% | 4,670 |
| Assets per employee ($millions) | 9.7428% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6414% | 1,069 |
| Loan loss allowance to noncurrent loans | 85.9587% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 294 |
| Noncurrent loans to loans | 1.9095% | 344 |
| Net loans and leases to total assets | 66.3798% | 1,646 |
| Net loans and leases to deposits | 80.8437% | 1,326 |
| Net loans and leases to core deposits | 90.2012% | 1,109 |
| Total domestic deposits to total assets | 82.1088% | 3,994 |
| Equity capital to assets | 13.8929% | 534 |
| Core capital (leverage) ratio | 15.1857% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9759% | 855 |
| Memoranda: | ||
| Average total assets | $268,610,667 | 2,658 |
| Average earning assets | $252,699,667 | 2,652 |
| Average equity | $39,685,000 | 2,011 |
| Average total loans | $173,506,667 | 2,436 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 555 |
| Cost of funding earning assets | 0.2453% | 2,213 |
| Net interest margin | 3.9235% | 476 |
| Noninterest income to average assets | 0.8048% | 1,034 |
| Noninterest expense to average assets | 1.4253% | 4,509 |
| Loan and lease loss provision to assets | 0.0545% | 1,402 |
| Net operating income to assets | 2.3273% | 144 |
| Return on assets (ROA) | 2.3273% | 144 |
| Pretax return on assets | 3.0259% | 102 |
| Return on Equity (ROE) | 15.3098% | 613 |
| Retained earnings to average equity (ytd only) | 15.3098% | 268 |
| Net charge-offs to loans | 0.3662% | 181 |
| Credit loss provision to net charge-offs | 23.5669% | 1,279 |
| Earnings coverage of net charge-offs (x) | 13.3121% | 1,394 |
| Efficiency ratio | 31.6323% | 4,731 |
| Assets per employee ($millions) | 10.4345% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,625 |
| Loan loss allowance to noncurrent loans | 56.0870% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.3694% | 281 |
| Noncurrent loans to loans | 1.8238% | 417 |
| Net loans and leases to total assets | 62.0256% | 1,856 |
| Net loans and leases to deposits | 76.0248% | 1,443 |
| Net loans and leases to core deposits | 86.2356% | 1,116 |
| Total domestic deposits to total assets | 81.5860% | 4,134 |
| Equity capital to assets | 14.1766% | 500 |
| Core capital (leverage) ratio | 14.7403% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5412% | 962 |
| Memoranda: | ||
| Average total assets | $271,388,000 | 2,655 |
| Average earning assets | $255,995,500 | 2,644 |
| Average equity | $41,254,500 | 2,007 |
| Average total loans | $171,495,000 | 2,445 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8998% | 1,614 |
| Cost of funding earning assets | 0.2626% | 2,779 |
| Net interest margin | 3.6371% | 1,372 |
| Noninterest income to average assets | 0.6116% | 2,107 |
| Noninterest expense to average assets | 1.5586% | 4,473 |
| Loan and lease loss provision to assets | 0.0583% | 1,892 |
| Net operating income to assets | 1.8684% | 441 |
| Return on assets (ROA) | 1.9072% | 424 |
| Pretax return on assets | 2.4665% | 269 |
| Return on Equity (ROE) | 11.5327% | 1,973 |
| Retained earnings to average equity (ytd only) | 11.5327% | 613 |
| Net charge-offs to loans | 0.0362% | 1,524 |
| Credit loss provision to net charge-offs | 256.1404% | 1,152 |
| Earnings coverage of net charge-offs (x) | 108.7895% | 843 |
| Efficiency ratio | 38.6343% | 4,710 |
| Assets per employee ($millions) | 10.0402% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,089 |
| Loan loss allowance to noncurrent loans | 35.2812% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.0912% | 148 |
| Noncurrent loans to loans | 3.2799% | 162 |
| Net loans and leases to total assets | 63.0208% | 1,821 |
| Net loans and leases to deposits | 79.7232% | 1,243 |
| Net loans and leases to core deposits | 86.5434% | 1,166 |
| Total domestic deposits to total assets | 79.0495% | 4,314 |
| Equity capital to assets | 16.3072% | 348 |
| Core capital (leverage) ratio | 14.6340% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7346% | 936 |
| Memoranda: | ||
| Average total assets | $250,476,800 | 2,726 |
| Average earning assets | $235,707,200 | 2,707 |
| Average equity | $41,421,400 | 2,034 |
| Average total loans | $157,281,600 | 2,572 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0329% | 1,461 |
| Cost of funding earning assets | 0.2765% | 2,835 |
| Net interest margin | 3.7564% | 1,210 |
| Noninterest income to average assets | 0.5918% | 2,242 |
| Noninterest expense to average assets | 1.5392% | 4,546 |
| Loan and lease loss provision to assets | 0.0601% | 1,792 |
| Net operating income to assets | 1.9479% | 507 |
| Return on assets (ROA) | 1.9981% | 492 |
| Pretax return on assets | 2.5866% | 287 |
| Return on Equity (ROE) | 12.0383% | 2,033 |
| Retained earnings to average equity (ytd only) | 12.0383% | 830 |
| Net charge-offs to loans | 0.0404% | 1,284 |
| Credit loss provision to net charge-offs | 238.2979% | 1,125 |
| Earnings coverage of net charge-offs (x) | 102.1702% | 862 |
| Efficiency ratio | 37.3352% | 4,786 |
| Assets per employee ($millions) | 10.3855% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,227 |
| Loan loss allowance to noncurrent loans | 75.1482% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 722 |
| Noncurrent loans to loans | 1.5236% | 683 |
| Net loans and leases to total assets | 60.8152% | 2,159 |
| Net loans and leases to deposits | 76.0903% | 1,660 |
| Net loans and leases to core deposits | 82.2910% | 1,552 |
| Total domestic deposits to total assets | 79.9250% | 4,237 |
| Equity capital to assets | 15.7635% | 442 |
| Core capital (leverage) ratio | 14.9779% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0168% | 954 |
| Memoranda: | ||
| Average total assets | $247,835,000 | 2,763 |
| Average earning assets | $232,947,000 | 2,750 |
| Average equity | $41,134,500 | 2,071 |
| Average total loans | $154,992,500 | 2,626 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 1,142 |
| Cost of funding earning assets | 0.2910% | 2,867 |
| Net interest margin | 3.9330% | 918 |
| Noninterest income to average assets | 0.5997% | 2,218 |
| Noninterest expense to average assets | 1.5646% | 4,556 |
| Loan and lease loss provision to assets | 0.0474% | 2,073 |
| Net operating income to assets | 2.0586% | 441 |
| Return on assets (ROA) | 2.1361% | 396 |
| Pretax return on assets | 2.7733% | 239 |
| Return on Equity (ROE) | 12.6323% | 1,841 |
| Retained earnings to average equity (ytd only) | 12.6323% | 785 |
| Net charge-offs to loans | 0.0436% | 1,199 |
| Credit loss provision to net charge-offs | 172.7273% | 1,109 |
| Earnings coverage of net charge-offs (x) | 99.1818% | 756 |
| Efficiency ratio | 36.4959% | 4,830 |
| Assets per employee ($millions) | 10.0422% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,983 |
| Loan loss allowance to noncurrent loans | 71.8810% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 760 |
| Noncurrent loans to loans | 1.6584% | 645 |
| Net loans and leases to total assets | 59.0793% | 2,533 |
| Net loans and leases to deposits | 73.4625% | 2,051 |
| Net loans and leases to core deposits | 79.4953% | 1,928 |
| Total domestic deposits to total assets | 80.4211% | 4,163 |
| Equity capital to assets | 16.0844% | 404 |
| Core capital (leverage) ratio | 15.7694% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1345% | 791 |
| Memoranda: | ||
| Average total assets | $240,439,000 | 2,810 |
| Average earning assets | $225,428,667 | 2,791 |
| Average equity | $40,657,667 | 2,075 |
| Average total loans | $151,284,333 | 2,671 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 824 |
| Cost of funding earning assets | 0.2940% | 3,055 |
| Net interest margin | 4.1684% | 640 |
| Noninterest income to average assets | 0.5997% | 2,215 |
| Noninterest expense to average assets | 1.6983% | 4,381 |
| Loan and lease loss provision to assets | 0.0348% | 2,313 |
| Net operating income to assets | 2.1117% | 481 |
| Return on assets (ROA) | 2.2737% | 402 |
| Pretax return on assets | 2.9655% | 241 |
| Return on Equity (ROE) | 13.0838% | 1,651 |
| Retained earnings to average equity (ytd only) | 13.0838% | 896 |
| Net charge-offs to loans | 0.0645% | 887 |
| Credit loss provision to net charge-offs | 83.3333% | 1,191 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 771 |
| Efficiency ratio | 37.7950% | 4,809 |
| Assets per employee ($millions) | 9.1658% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 2,763 |
| Loan loss allowance to noncurrent loans | 69.0916% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.1133% | 706 |
| Noncurrent loans to loans | 1.7804% | 656 |
| Net loans and leases to total assets | 61.7596% | 2,310 |
| Net loans and leases to deposits | 83.0774% | 1,235 |
| Net loans and leases to core deposits | 91.2886% | 1,154 |
| Total domestic deposits to total assets | 74.3398% | 4,655 |
| Equity capital to assets | 16.8696% | 321 |
| Core capital (leverage) ratio | 16.0845% | 374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9792% | 586 |
| Memoranda: | ||
| Average total assets | $230,109,500 | 2,866 |
| Average earning assets | $214,950,500 | 2,854 |
| Average equity | $39,988,500 | 2,090 |
| Average total loans | $148,868,500 | 2,703 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 1,883 |
| Cost of funding earning assets | 0.3901% | 3,647 |
| Net interest margin | 3.9059% | 1,200 |
| Noninterest income to average assets | 0.5901% | 2,252 |
| Noninterest expense to average assets | 1.7061% | 4,614 |
| Loan and lease loss provision to assets | 0.0949% | 3,159 |
| Net operating income to assets | 1.8246% | 366 |
| Return on assets (ROA) | 1.8146% | 407 |
| Pretax return on assets | 2.3825% | 223 |
| Return on Equity (ROE) | 10.5396% | 1,794 |
| Retained earnings to average equity (ytd only) | 10.5396% | 487 |
| Net charge-offs to loans | 0.0481% | 2,109 |
| Credit loss provision to net charge-offs | 295.7746% | 1,757 |
| Earnings coverage of net charge-offs (x) | 77.6197% | 912 |
| Efficiency ratio | 40.6590% | 4,856 |
| Assets per employee ($millions) | 8.5349% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,771 |
| Loan loss allowance to noncurrent loans | 1,086.9822% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,953 |
| Noncurrent loans to loans | 0.1136% | 3,833 |
| Net loans and leases to total assets | 66.1927% | 2,078 |
| Net loans and leases to deposits | 91.8641% | 789 |
| Net loans and leases to core deposits | 101.3119% | 845 |
| Total domestic deposits to total assets | 72.0551% | 4,708 |
| Equity capital to assets | 17.9241% | 277 |
| Core capital (leverage) ratio | 15.4250% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3660% | 551 |
| Memoranda: | ||
| Average total assets | $221,321,400 | 2,786 |
| Average earning assets | $204,332,400 | 2,791 |
| Average equity | $38,104,000 | 2,089 |
| Average total loans | $147,703,400 | 2,679 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6763% | 1,116 |
| Cost of funding earning assets | 0.3978% | 3,818 |
| Net interest margin | 4.2785% | 615 |
| Noninterest income to average assets | 0.5697% | 2,308 |
| Noninterest expense to average assets | 1.6777% | 4,655 |
| Loan and lease loss provision to assets | 0.1139% | 2,898 |
| Net operating income to assets | 2.0702% | 259 |
| Return on assets (ROA) | 2.0568% | 286 |
| Pretax return on assets | 2.7037% | 158 |
| Return on Equity (ROE) | 12.0713% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.0713% | 418 |
| Net charge-offs to loans | 0.0407% | 2,046 |
| Credit loss provision to net charge-offs | 420.0000% | 1,423 |
| Earnings coverage of net charge-offs (x) | 104.4889% | 767 |
| Efficiency ratio | 37.1810% | 4,942 |
| Assets per employee ($millions) | 8.7059% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,911 |
| Loan loss allowance to noncurrent loans | 925.6281% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 3,995 |
| Noncurrent loans to loans | 0.1249% | 3,881 |
| Net loans and leases to total assets | 69.5515% | 2,021 |
| Net loans and leases to deposits | 98.4769% | 599 |
| Net loans and leases to core deposits | 103.7477% | 942 |
| Total domestic deposits to total assets | 70.6273% | 4,737 |
| Equity capital to assets | 17.7448% | 320 |
| Core capital (leverage) ratio | 15.7857% | 439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3825% | 550 |
| Memoranda: | ||
| Average total assets | $221,174,750 | 2,772 |
| Average earning assets | $203,804,250 | 2,774 |
| Average equity | $37,686,250 | 2,097 |
| Average total loans | $147,448,250 | 2,690 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 949 |
| Cost of funding earning assets | 0.4084% | 4,003 |
| Net interest margin | 4.5052% | 496 |
| Noninterest income to average assets | 0.5623% | 2,293 |
| Noninterest expense to average assets | 1.7517% | 4,625 |
| Loan and lease loss provision to assets | 0.1294% | 2,725 |
| Net operating income to assets | 2.1400% | 242 |
| Return on assets (ROA) | 2.1199% | 281 |
| Pretax return on assets | 2.7879% | 144 |
| Return on Equity (ROE) | 12.6208% | 1,188 |
| Retained earnings to average equity (ytd only) | 12.6208% | 392 |
| Net charge-offs to loans | 0.0390% | 1,962 |
| Credit loss provision to net charge-offs | 507.1429% | 1,220 |
| Earnings coverage of net charge-offs (x) | 115.3214% | 645 |
| Efficiency ratio | 37.3131% | 4,963 |
| Assets per employee ($millions) | 8.7622% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 2,759 |
| Loan loss allowance to noncurrent loans | 1,948.3871% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 4,335 |
| Noncurrent loans to loans | 0.0593% | 4,237 |
| Net loans and leases to total assets | 68.1022% | 2,336 |
| Net loans and leases to deposits | 95.1928% | 859 |
| Net loans and leases to core deposits | 100.1808% | 1,246 |
| Total domestic deposits to total assets | 71.5413% | 4,730 |
| Equity capital to assets | 17.0509% | 373 |
| Core capital (leverage) ratio | 15.7056% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4746% | 630 |
| Memoranda: | ||
| Average total assets | $219,448,667 | 2,759 |
| Average earning assets | $201,277,667 | 2,768 |
| Average equity | $36,859,667 | 2,121 |
| Average total loans | $143,506,333 | 2,714 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 1,036 |
| Cost of funding earning assets | 0.3475% | 4,527 |
| Net interest margin | 4.6163% | 395 |
| Noninterest income to average assets | 0.5798% | 2,134 |
| Noninterest expense to average assets | 1.7764% | 4,694 |
| Loan and lease loss provision to assets | 0.0297% | 3,409 |
| Net operating income to assets | 2.2618% | 163 |
| Return on assets (ROA) | 2.2633% | 180 |
| Pretax return on assets | 2.9712% | 92 |
| Return on Equity (ROE) | 13.5835% | 779 |
| Retained earnings to average equity (ytd only) | 13.5835% | 280 |
| Net charge-offs to loans | 0.0526% | 1,485 |
| Credit loss provision to net charge-offs | 88.8889% | 1,897 |
| Earnings coverage of net charge-offs (x) | 89.6667% | 624 |
| Efficiency ratio | 37.1984% | 5,017 |
| Assets per employee ($millions) | 8.2845% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,610 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 4,352 |
| Noncurrent loans to loans | 0.0757% | 4,214 |
| Net loans and leases to total assets | 64.2578% | 3,041 |
| Net loans and leases to deposits | 86.4582% | 1,936 |
| Net loans and leases to core deposits | 88.1127% | 2,513 |
| Total domestic deposits to total assets | 74.3224% | 4,636 |
| Equity capital to assets | 16.8084% | 465 |
| Core capital (leverage) ratio | 15.8974% | 531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9795% | 750 |
| Memoranda: | ||
| Average total assets | $215,264,000 | 2,745 |
| Average earning assets | $195,656,500 | 2,776 |
| Average equity | $35,867,000 | 2,149 |
| Average total loans | $136,779,000 | 2,758 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5064% | 2,919 |
| Cost of funding earning assets | 0.3578% | 4,579 |
| Net interest margin | 4.1486% | 1,429 |
| Noninterest income to average assets | 0.6460% | 2,023 |
| Noninterest expense to average assets | 1.8590% | 4,705 |
| Loan and lease loss provision to assets | 0.0949% | 2,139 |
| Net operating income to assets | 1.8850% | 442 |
| Return on assets (ROA) | 1.8393% | 513 |
| Pretax return on assets | 2.4171% | 242 |
| Return on Equity (ROE) | 11.1321% | 1,830 |
| Retained earnings to average equity (ytd only) | 11.1321% | 314 |
| Net charge-offs to loans | 0.0033% | 3,564 |
| Credit loss provision to net charge-offs | 4,800.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 1,299.7500% | 73 |
| Efficiency ratio | 41.7411% | 5,033 |
| Assets per employee ($millions) | 8.2742% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 2,059 |
| Loan loss allowance to noncurrent loans | 343.0303% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 3,523 |
| Noncurrent loans to loans | 0.3709% | 3,115 |
| Net loans and leases to total assets | 61.2439% | 3,474 |
| Net loans and leases to deposits | 82.2892% | 2,527 |
| Net loans and leases to core deposits | 85.2164% | 2,854 |
| Total domestic deposits to total assets | 74.4252% | 4,743 |
| Equity capital to assets | 16.5151% | 526 |
| Core capital (leverage) ratio | 15.7769% | 550 |
| Tier 1 risk-based capital ratio | 19.3631% | 1,442 |
| Total risk-based capital ratio | 20.4082% | 1,453 |
| Memoranda: | ||
| Average total assets | $202,308,400 | 2,821 |
| Average earning assets | $184,471,000 | 2,843 |
| Average equity | $33,425,800 | 2,211 |
| Average total loans | $122,462,800 | 2,916 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 2,766 |
| Cost of funding earning assets | 0.3462% | 4,669 |
| Net interest margin | 4.2409% | 1,278 |
| Noninterest income to average assets | 0.6328% | 2,057 |
| Noninterest expense to average assets | 1.8636% | 4,744 |
| Loan and lease loss provision to assets | 0.0884% | 2,134 |
| Net operating income to assets | 1.9383% | 450 |
| Return on assets (ROA) | 1.8764% | 543 |
| Pretax return on assets | 2.4657% | 265 |
| Return on Equity (ROE) | 11.3553% | 1,867 |
| Retained earnings to average equity (ytd only) | 11.3553% | 466 |
| Net charge-offs to loans | 0.0033% | 3,294 |
| Credit loss provision to net charge-offs | 4,400.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 1,310.3000% | 62 |
| Efficiency ratio | 41.1379% | 5,098 |
| Assets per employee ($millions) | 8.1067% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 1,979 |
| Loan loss allowance to noncurrent loans | 326.4940% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 3,578 |
| Noncurrent loans to loans | 0.3971% | 3,120 |
| Net loans and leases to total assets | 61.5618% | 3,540 |
| Net loans and leases to deposits | 79.8201% | 2,918 |
| Net loans and leases to core deposits | 82.7311% | 3,198 |
| Total domestic deposits to total assets | 77.1256% | 4,503 |
| Equity capital to assets | 17.4024% | 452 |
| Core capital (leverage) ratio | 15.9192% | 569 |
| Tier 1 risk-based capital ratio | 20.5722% | 1,265 |
| Total risk-based capital ratio | 21.6591% | 1,270 |
| Memoranda: | ||
| Average total assets | $199,103,000 | 2,870 |
| Average earning assets | $181,371,500 | 2,891 |
| Average equity | $32,900,000 | 2,261 |
| Average total loans | $119,715,500 | 2,974 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 2,736 |
| Cost of funding earning assets | 0.3374% | 4,721 |
| Net interest margin | 4.2428% | 1,260 |
| Noninterest income to average assets | 0.6235% | 2,050 |
| Noninterest expense to average assets | 1.8756% | 4,785 |
| Loan and lease loss provision to assets | 0.0980% | 1,907 |
| Net operating income to assets | 1.9170% | 457 |
| Return on assets (ROA) | 1.8412% | 572 |
| Pretax return on assets | 2.4172% | 279 |
| Return on Equity (ROE) | 11.3484% | 1,847 |
| Retained earnings to average equity (ytd only) | 11.3484% | 504 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3288% | 5,136 |
| Assets per employee ($millions) | 7.8235% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 1,966 |
| Loan loss allowance to noncurrent loans | 312.0388% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 3,514 |
| Noncurrent loans to loans | 0.4202% | 3,029 |
| Net loans and leases to total assets | 61.8422% | 3,557 |
| Net loans and leases to deposits | 77.5364% | 3,189 |
| Net loans and leases to core deposits | 80.1038% | 3,413 |
| Total domestic deposits to total assets | 79.7590% | 4,080 |
| Equity capital to assets | 17.3487% | 434 |
| Core capital (leverage) ratio | 15.6530% | 598 |
| Tier 1 risk-based capital ratio | 20.4428% | 1,266 |
| Total risk-based capital ratio | 21.5356% | 1,267 |
| Memoranda: | ||
| Average total assets | $197,914,670 | 2,888 |
| Average earning assets | $180,211,670 | 2,916 |
| Average equity | $32,110,330 | 2,295 |
| Average total loans | $117,485,670 | 3,011 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 2,304 |
| Cost of funding earning assets | 0.3537% | 4,665 |
| Net interest margin | 4.3221% | 1,057 |
| Noninterest income to average assets | 0.6088% | 2,008 |
| Noninterest expense to average assets | 1.8244% | 4,896 |
| Loan and lease loss provision to assets | 0.1306% | 1,335 |
| Net operating income to assets | 1.9772% | 402 |
| Return on assets (ROA) | 1.8566% | 517 |
| Pretax return on assets | 2.4292% | 278 |
| Return on Equity (ROE) | 11.8463% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.8463% | 639 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2826% | 5,221 |
| Assets per employee ($millions) | 7.9647% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 1,841 |
| Loan loss allowance to noncurrent loans | 291.6667% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 3,528 |
| Noncurrent loans to loans | 0.4650% | 2,919 |
| Net loans and leases to total assets | 57.5327% | 3,937 |
| Net loans and leases to deposits | 70.9223% | 3,694 |
| Net loans and leases to core deposits | 73.1878% | 3,848 |
| Total domestic deposits to total assets | 81.1207% | 3,946 |
| Equity capital to assets | 16.0508% | 563 |
| Core capital (leverage) ratio | 15.0543% | 685 |
| Tier 1 risk-based capital ratio | 20.8480% | 1,185 |
| Total risk-based capital ratio | 21.9739% | 1,185 |
| Memoranda: | ||
| Average total assets | $199,078,000 | 2,910 |
| Average earning assets | $180,929,500 | 2,941 |
| Average equity | $31,199,500 | 2,345 |
| Average total loans | $114,947,000 | 3,081 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 3,295 |
| Cost of funding earning assets | 0.2215% | 4,915 |
| Net interest margin | 4.0240% | 1,909 |
| Noninterest income to average assets | 0.6247% | 2,170 |
| Noninterest expense to average assets | 1.8981% | 4,895 |
| Loan and lease loss provision to assets | 0.0916% | 2,318 |
| Net operating income to assets | 1.7674% | 594 |
| Return on assets (ROA) | 1.7043% | 681 |
| Pretax return on assets | 2.2150% | 347 |
| Return on Equity (ROE) | 11.6805% | 1,830 |
| Retained earnings to average equity (ytd only) | 11.6805% | 345 |
| Net charge-offs to loans | 0.0060% | 3,491 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 781.8333% | 139 |
| Efficiency ratio | 43.2795% | 5,204 |
| Assets per employee ($millions) | 7.9615% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 1,915 |
| Loan loss allowance to noncurrent loans | 268.2060% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 3,451 |
| Noncurrent loans to loans | 0.4949% | 2,787 |
| Net loans and leases to total assets | 56.3968% | 4,103 |
| Net loans and leases to deposits | 71.7341% | 3,690 |
| Net loans and leases to core deposits | 71.7341% | 4,007 |
| Total domestic deposits to total assets | 78.6192% | 4,390 |
| Equity capital to assets | 15.2931% | 647 |
| Core capital (leverage) ratio | 14.4812% | 804 |
| Tier 1 risk-based capital ratio | 20.0761% | 1,294 |
| Total risk-based capital ratio | 21.1537% | 1,298 |
| Memoranda: | ||
| Average total assets | $196,566,800 | 2,903 |
| Average earning assets | $178,777,000 | 2,933 |
| Average equity | $28,680,200 | 2,418 |
| Average total loans | $100,789,200 | 3,279 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 3,457 |
| Cost of funding earning assets | 0.2085% | 4,988 |
| Net interest margin | 3.9423% | 2,155 |
| Noninterest income to average assets | 0.6206% | 2,205 |
| Noninterest expense to average assets | 1.8930% | 4,913 |
| Loan and lease loss provision to assets | 0.0851% | 2,267 |
| Net operating income to assets | 1.7199% | 711 |
| Return on assets (ROA) | 1.6732% | 799 |
| Pretax return on assets | 2.1719% | 415 |
| Return on Equity (ROE) | 11.6095% | 1,951 |
| Retained earnings to average equity (ytd only) | 11.6095% | 535 |
| Net charge-offs to loans | 0.0027% | 3,381 |
| Credit loss provision to net charge-offs | 6,250.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,699.8315% | 41 |
| Efficiency ratio | 43.9379% | 5,212 |
| Assets per employee ($millions) | 7.9641% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 1,595 |
| Loan loss allowance to noncurrent loans | 252.4221% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 3,531 |
| Noncurrent loans to loans | 0.5665% | 2,680 |
| Net loans and leases to total assets | 50.5123% | 4,560 |
| Net loans and leases to deposits | 60.9858% | 4,499 |
| Net loans and leases to core deposits | 60.9858% | 4,665 |
| Total domestic deposits to total assets | 82.8264% | 3,366 |
| Equity capital to assets | 14.3891% | 856 |
| Core capital (leverage) ratio | 13.9409% | 952 |
| Tier 1 risk-based capital ratio | 22.3634% | 1,003 |
| Total risk-based capital ratio | 23.5620% | 985 |
| Memoranda: | ||
| Average total assets | $195,949,000 | 2,934 |
| Average earning assets | $178,369,750 | 2,963 |
| Average equity | $28,240,500 | 2,452 |
| Average total loans | $97,546,250 | 3,373 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 3,324 |
| Cost of funding earning assets | 0.1903% | 5,073 |
| Net interest margin | 3.9474% | 2,041 |
| Noninterest income to average assets | 0.6126% | 2,257 |
| Noninterest expense to average assets | 1.8779% | 4,990 |
| Loan and lease loss provision to assets | 0.0924% | 2,071 |
| Net operating income to assets | 1.7294% | 683 |
| Return on assets (ROA) | 1.6840% | 756 |
| Pretax return on assets | 2.1817% | 405 |
| Return on Equity (ROE) | 11.6779% | 1,848 |
| Retained earnings to average equity (ytd only) | 11.6779% | 565 |
| Net charge-offs to loans | 0.0083% | 2,827 |
| Credit loss provision to net charge-offs | 2,250.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 568.0000% | 157 |
| Efficiency ratio | 43.5641% | 5,298 |
| Assets per employee ($millions) | 7.8575% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,569 |
| Loan loss allowance to noncurrent loans | 240.6091% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 3,559 |
| Noncurrent loans to loans | 0.6017% | 2,613 |
| Net loans and leases to total assets | 49.2743% | 4,648 |
| Net loans and leases to deposits | 59.4198% | 4,562 |
| Net loans and leases to core deposits | 59.4198% | 4,730 |
| Total domestic deposits to total assets | 82.9258% | 3,427 |
| Equity capital to assets | 14.4596% | 816 |
| Core capital (leverage) ratio | 13.7093% | 990 |
| Tier 1 risk-based capital ratio | 22.5078% | 983 |
| Total risk-based capital ratio | 23.7211% | 966 |
| Memoranda: | ||
| Average total assets | $194,898,000 | 2,951 |
| Average earning assets | $177,586,670 | 2,986 |
| Average equity | $28,104,330 | 2,471 |
| Average total loans | $96,051,670 | 3,412 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 2,853 |
| Cost of funding earning assets | 0.1515% | 5,261 |
| Net interest margin | 4.0573% | 1,542 |
| Noninterest income to average assets | 0.5872% | 2,327 |
| Noninterest expense to average assets | 1.8462% | 5,111 |
| Loan and lease loss provision to assets | 0.1092% | 1,712 |
| Net operating income to assets | 1.8035% | 563 |
| Return on assets (ROA) | 1.7823% | 592 |
| Pretax return on assets | 2.3016% | 317 |
| Return on Equity (ROE) | 12.3773% | 1,446 |
| Retained earnings to average equity (ytd only) | 12.3773% | 616 |
| Net charge-offs to loans | 0.0126% | 2,300 |
| Credit loss provision to net charge-offs | 1,766.6667% | 209 |
| Earnings coverage of net charge-offs (x) | 394.3333% | 172 |
| Efficiency ratio | 42.0875% | 5,396 |
| Assets per employee ($millions) | 7.8619% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,578 |
| Loan loss allowance to noncurrent loans | 225.7329% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 3,583 |
| Noncurrent loans to loans | 0.6516% | 2,596 |
| Net loans and leases to total assets | 47.2348% | 4,737 |
| Net loans and leases to deposits | 56.8999% | 4,652 |
| Net loans and leases to core deposits | 56.9893% | 4,796 |
| Total domestic deposits to total assets | 83.0138% | 3,661 |
| Equity capital to assets | 14.1696% | 846 |
| Core capital (leverage) ratio | 13.7437% | 933 |
| Tier 1 risk-based capital ratio | 22.9685% | 945 |
| Total risk-based capital ratio | 24.2120% | 924 |
| Memoranda: | ||
| Average total assets | $194,128,500 | 2,992 |
| Average earning assets | $176,864,500 | 3,027 |
| Average equity | $27,954,500 | 2,496 |
| Average total loans | $94,970,000 | 3,446 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,594 |
| Cost of funding earning assets | 0.1597% | 5,211 |
| Net interest margin | 3.7846% | 2,481 |
| Noninterest income to average assets | 0.8483% | 1,411 |
| Noninterest expense to average assets | 1.9336% | 5,072 |
| Loan and lease loss provision to assets | 0.1617% | 1,384 |
| Net operating income to assets | 1.5038% | 798 |
| Return on assets (ROA) | 1.5083% | 803 |
| Pretax return on assets | 2.2351% | 299 |
| Return on Equity (ROE) | 10.9968% | 1,488 |
| Retained earnings to average equity (ytd only) | 10.9968% | 249 |
| Net charge-offs to loans | 0.0104% | 3,721 |
| Credit loss provision to net charge-offs | 3,444.4444% | 120 |
| Earnings coverage of net charge-offs (x) | 509.0000% | 171 |
| Efficiency ratio | 43.6829% | 5,462 |
| Assets per employee ($millions) | 7.6684% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,790 |
| Loan loss allowance to noncurrent loans | 207.4534% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 3,522 |
| Noncurrent loans to loans | 0.6728% | 2,532 |
| Net loans and leases to total assets | 49.2303% | 4,688 |
| Net loans and leases to deposits | 60.7419% | 4,520 |
| Net loans and leases to core deposits | 60.8422% | 4,713 |
| Total domestic deposits to total assets | 81.0484% | 4,110 |
| Equity capital to assets | 14.6362% | 746 |
| Core capital (leverage) ratio | 13.1084% | 1,109 |
| Tier 1 risk-based capital ratio | 20.8092% | 1,176 |
| Total risk-based capital ratio | 21.9213% | 1,177 |
| Memoranda: | ||
| Average total assets | $191,666,800 | 2,999 |
| Average earning assets | $176,004,600 | 3,001 |
| Average equity | $26,289,400 | 2,592 |
| Average total loans | $86,180,400 | 3,609 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 3,716 |
| Cost of funding earning assets | 0.1585% | 5,263 |
| Net interest margin | 3.7304% | 2,654 |
| Noninterest income to average assets | 0.9148% | 1,229 |
| Noninterest expense to average assets | 1.9430% | 5,059 |
| Loan and lease loss provision to assets | 0.1878% | 1,039 |
| Net operating income to assets | 1.5111% | 868 |
| Return on assets (ROA) | 1.5173% | 887 |
| Pretax return on assets | 2.2317% | 335 |
| Return on Equity (ROE) | 11.2506% | 1,589 |
| Retained earnings to average equity (ytd only) | 11.2506% | 380 |
| Net charge-offs to loans | 0.0127% | 3,283 |
| Credit loss provision to net charge-offs | 3,375.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 432.9784% | 226 |
| Efficiency ratio | 43.6082% | 5,497 |
| Assets per employee ($millions) | 7.8188% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,998 |
| Loan loss allowance to noncurrent loans | 189.0671% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,636 |
| Noncurrent loans to loans | 0.7273% | 2,537 |
| Net loans and leases to total assets | 47.5914% | 4,854 |
| Net loans and leases to deposits | 58.3340% | 4,738 |
| Net loans and leases to core deposits | 58.4274% | 4,896 |
| Total domestic deposits to total assets | 81.5844% | 3,897 |
| Equity capital to assets | 14.0047% | 993 |
| Core capital (leverage) ratio | 12.7209% | 1,322 |
| Tier 1 risk-based capital ratio | 23.0386% | 942 |
| Total risk-based capital ratio | 24.2779% | 930 |
| Memoranda: | ||
| Average total assets | $191,656,250 | 3,029 |
| Average earning assets | $176,672,250 | 3,022 |
| Average equity | $25,847,000 | 2,637 |
| Average total loans | $83,796,750 | 3,686 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 3,771 |
| Cost of funding earning assets | 0.1589% | 5,281 |
| Net interest margin | 3.6771% | 2,731 |
| Noninterest income to average assets | 1.0474% | 930 |
| Noninterest expense to average assets | 2.0296% | 4,909 |
| Loan and lease loss provision to assets | 0.2048% | 884 |
| Net operating income to assets | 1.5000% | 863 |
| Return on assets (ROA) | 1.5085% | 874 |
| Pretax return on assets | 2.2040% | 350 |
| Return on Equity (ROE) | 11.3349% | 1,520 |
| Retained earnings to average equity (ytd only) | 11.3349% | 395 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8374% | 5,499 |
| Assets per employee ($millions) | 7.7753% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 2,213 |
| Loan loss allowance to noncurrent loans | 176.2178% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 3,682 |
| Noncurrent loans to loans | 0.7620% | 2,488 |
| Net loans and leases to total assets | 46.4914% | 4,923 |
| Net loans and leases to deposits | 56.9593% | 4,805 |
| Net loans and leases to core deposits | 57.0510% | 4,952 |
| Total domestic deposits to total assets | 81.6223% | 4,007 |
| Equity capital to assets | 13.7950% | 1,045 |
| Core capital (leverage) ratio | 12.4044% | 1,413 |
| Tier 1 risk-based capital ratio | 22.7478% | 970 |
| Total risk-based capital ratio | 23.9456% | 958 |
| Memoranda: | ||
| Average total assets | $190,385,000 | 3,056 |
| Average earning assets | $174,918,670 | 3,047 |
| Average equity | $25,337,670 | 2,678 |
| Average total loans | $80,287,670 | 3,790 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 3,978 |
| Cost of funding earning assets | 0.1665% | 5,257 |
| Net interest margin | 3.5723% | 2,993 |
| Noninterest income to average assets | 1.0616% | 894 |
| Noninterest expense to average assets | 1.9810% | 5,094 |
| Loan and lease loss provision to assets | 0.2548% | 580 |
| Net operating income to assets | 1.4549% | 884 |
| Return on assets (ROA) | 1.4417% | 935 |
| Pretax return on assets | 2.0872% | 420 |
| Return on Equity (ROE) | 11.0411% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.0411% | 597 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5477% | 5,578 |
| Assets per employee ($millions) | 7.6910% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,942 |
| Loan loss allowance to noncurrent loans | 167.1491% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3594% | 3,762 |
| Noncurrent loans to loans | 0.8563% | 2,317 |
| Net loans and leases to total assets | 41.3706% | 5,191 |
| Net loans and leases to deposits | 50.2927% | 5,118 |
| Net loans and leases to core deposits | 50.3739% | 5,207 |
| Total domestic deposits to total assets | 82.2597% | 4,093 |
| Equity capital to assets | 13.0101% | 1,252 |
| Core capital (leverage) ratio | 12.1980% | 1,508 |
| Tier 1 risk-based capital ratio | 23.6147% | 907 |
| Total risk-based capital ratio | 24.8220% | 894 |
| Memoranda: | ||
| Average total assets | $188,386,500 | 3,099 |
| Average earning assets | $172,999,500 | 3,098 |
| Average equity | $24,599,000 | 2,744 |
| Average total loans | $74,631,000 | 3,934 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 4,540 |
| Cost of funding earning assets | 0.1560% | 5,377 |
| Net interest margin | 3.4324% | 3,699 |
| Noninterest income to average assets | 1.0292% | 1,065 |
| Noninterest expense to average assets | 2.1785% | 4,826 |
| Loan and lease loss provision to assets | 0.1249% | 1,985 |
| Net operating income to assets | 1.3110% | 1,188 |
| Return on assets (ROA) | 1.3057% | 1,267 |
| Pretax return on assets | 1.8608% | 674 |
| Return on Equity (ROE) | 9.7982% | 2,055 |
| Retained earnings to average equity (ytd only) | 9.7982% | 445 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8007% | 5,447 |
| Assets per employee ($millions) | 7.6875% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,635 |
| Loan loss allowance to noncurrent loans | 148.3501% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 3,728 |
| Noncurrent loans to loans | 1.0166% | 2,057 |
| Net loans and leases to total assets | 36.6007% | 5,466 |
| Net loans and leases to deposits | 45.1919% | 5,394 |
| Net loans and leases to core deposits | 45.2692% | 5,458 |
| Total domestic deposits to total assets | 80.9896% | 4,335 |
| Equity capital to assets | 13.1074% | 1,217 |
| Core capital (leverage) ratio | 11.6578% | 1,820 |
| Tier 1 risk-based capital ratio | 26.1537% | 694 |
| Total risk-based capital ratio | 27.3969% | 667 |
| Memoranda: | ||
| Average total assets | $184,116,400 | 3,118 |
| Average earning assets | $168,572,000 | 3,135 |
| Average equity | $24,535,000 | 2,756 |
| Average total loans | $64,022,600 | 4,178 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 4,686 |
| Cost of funding earning assets | 0.1565% | 5,438 |
| Net interest margin | 3.3913% | 3,880 |
| Noninterest income to average assets | 1.0252% | 1,092 |
| Noninterest expense to average assets | 2.1367% | 4,919 |
| Loan and lease loss provision to assets | 0.1594% | 1,453 |
| Net operating income to assets | 1.2914% | 1,318 |
| Return on assets (ROA) | 1.3107% | 1,346 |
| Pretax return on assets | 1.8650% | 770 |
| Return on Equity (ROE) | 9.7955% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.7955% | 616 |
| Net charge-offs to loans | -0.0021% | 4,500 |
| Credit loss provision to net charge-offs | -22,000.0000% | 5,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1665% | 5,493 |
| Assets per employee ($millions) | 6.8499% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,681 |
| Loan loss allowance to noncurrent loans | 138.6486% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,722 |
| Noncurrent loans to loans | 1.0985% | 2,058 |
| Net loans and leases to total assets | 34.5892% | 5,599 |
| Net loans and leases to deposits | 41.7488% | 5,586 |
| Net loans and leases to core deposits | 42.0812% | 5,633 |
| Total domestic deposits to total assets | 82.8506% | 3,649 |
| Equity capital to assets | 13.5247% | 1,236 |
| Core capital (leverage) ratio | 11.5541% | 1,985 |
| Tier 1 risk-based capital ratio | 25.4099% | 769 |
| Total risk-based capital ratio | 26.6415% | 756 |
| Memoranda: | ||
| Average total assets | $184,020,750 | 3,128 |
| Average earning assets | $168,661,500 | 3,143 |
| Average equity | $24,623,000 | 2,774 |
| Average total loans | $62,887,750 | 4,228 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 4,776 |
| Cost of funding earning assets | 0.1663% | 5,446 |
| Net interest margin | 3.3721% | 3,995 |
| Noninterest income to average assets | 1.0329% | 1,049 |
| Noninterest expense to average assets | 2.1287% | 4,995 |
| Loan and lease loss provision to assets | 0.2205% | 947 |
| Net operating income to assets | 1.2417% | 1,458 |
| Return on assets (ROA) | 1.2479% | 1,542 |
| Pretax return on assets | 1.7770% | 925 |
| Return on Equity (ROE) | 9.3616% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.3616% | 754 |
| Net charge-offs to loans | -0.0033% | 4,446 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9866% | 5,559 |
| Assets per employee ($millions) | 6.7857% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,666 |
| Loan loss allowance to noncurrent loans | 136.3636% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 3,706 |
| Noncurrent loans to loans | 1.1382% | 2,024 |
| Net loans and leases to total assets | 34.7937% | 5,654 |
| Net loans and leases to deposits | 42.2927% | 5,609 |
| Net loans and leases to core deposits | 42.6478% | 5,661 |
| Total domestic deposits to total assets | 82.2688% | 3,916 |
| Equity capital to assets | 14.0028% | 1,029 |
| Core capital (leverage) ratio | 11.3400% | 2,108 |
| Tier 1 risk-based capital ratio | 24.8770% | 819 |
| Total risk-based capital ratio | 26.0988% | 809 |
| Memoranda: | ||
| Average total assets | $181,428,670 | 3,181 |
| Average earning assets | $165,951,000 | 3,195 |
| Average equity | $24,184,000 | 2,817 |
| Average total loans | $61,394,670 | 4,298 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4807% | 4,933 |
| Cost of funding earning assets | 0.1677% | 5,486 |
| Net interest margin | 3.3130% | 4,179 |
| Noninterest income to average assets | 1.0413% | 1,002 |
| Noninterest expense to average assets | 2.1093% | 5,100 |
| Loan and lease loss provision to assets | 0.0665% | 2,634 |
| Net operating income to assets | 1.3278% | 1,191 |
| Return on assets (ROA) | 1.3449% | 1,216 |
| Pretax return on assets | 1.9099% | 677 |
| Return on Equity (ROE) | 10.3546% | 1,835 |
| Retained earnings to average equity (ytd only) | 10.3546% | 775 |
| Net charge-offs to loans | -0.0134% | 4,664 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1909% | 5,615 |
| Assets per employee ($millions) | 7.0298% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3501% | 2,658 |
| Loan loss allowance to noncurrent loans | 106.3613% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 3,498 |
| Noncurrent loans to loans | 1.2694% | 1,905 |
| Net loans and leases to total assets | 33.4211% | 5,736 |
| Net loans and leases to deposits | 40.8811% | 5,684 |
| Net loans and leases to core deposits | 41.2271% | 5,741 |
| Total domestic deposits to total assets | 81.7518% | 4,298 |
| Equity capital to assets | 13.1726% | 1,331 |
| Core capital (leverage) ratio | 11.2355% | 2,200 |
| Tier 1 risk-based capital ratio | 23.4134% | 975 |
| Total risk-based capital ratio | 24.4111% | 985 |
| Memoranda: | ||
| Average total assets | $180,536,000 | 3,192 |
| Average earning assets | $164,563,500 | 3,223 |
| Average equity | $23,448,500 | 2,884 |
| Average total loans | $59,716,000 | 4,381 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2371% | 5,460 |
| Cost of funding earning assets | 0.1913% | 5,356 |
| Net interest margin | 3.0458% | 5,034 |
| Noninterest income to average assets | 0.9927% | 1,192 |
| Noninterest expense to average assets | 2.0969% | 5,263 |
| Loan and lease loss provision to assets | 0.0915% | 2,473 |
| Net operating income to assets | 1.1005% | 1,928 |
| Return on assets (ROA) | 1.1020% | 1,986 |
| Pretax return on assets | 1.5494% | 1,410 |
| Return on Equity (ROE) | 9.7289% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.7289% | 499 |
| Net charge-offs to loans | 0.0289% | 3,644 |
| Credit loss provision to net charge-offs | 1,133.3333% | 299 |
| Earnings coverage of net charge-offs (x) | 202.9333% | 333 |
| Efficiency ratio | 54.2874% | 5,504 |
| Assets per employee ($millions) | 6.3678% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,433 |
| Loan loss allowance to noncurrent loans | 100.7519% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 3,388 |
| Noncurrent loans to loans | 1.3876% | 1,691 |
| Net loans and leases to total assets | 31.8046% | 5,843 |
| Net loans and leases to deposits | 38.6946% | 5,817 |
| Net loans and leases to core deposits | 39.0286% | 5,852 |
| Total domestic deposits to total assets | 82.1939% | 4,114 |
| Equity capital to assets | 12.7994% | 1,465 |
| Core capital (leverage) ratio | 10.6943% | 2,714 |
| Tier 1 risk-based capital ratio | 23.9628% | 929 |
| Total risk-based capital ratio | 24.9654% | 933 |
| Memoranda: | ||
| Average total assets | $185,748,400 | 3,106 |
| Average earning assets | $167,277,200 | 3,161 |
| Average equity | $21,040,400 | 3,069 |
| Average total loans | $51,881,600 | 4,612 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1264% | 5,675 |
| Cost of funding earning assets | 0.1957% | 5,413 |
| Net interest margin | 2.9307% | 5,352 |
| Noninterest income to average assets | 0.9246% | 1,385 |
| Noninterest expense to average assets | 2.0460% | 5,389 |
| Loan and lease loss provision to assets | 0.0782% | 2,614 |
| Net operating income to assets | 1.0243% | 2,358 |
| Return on assets (ROA) | 1.0248% | 2,443 |
| Pretax return on assets | 1.4405% | 1,862 |
| Return on Equity (ROE) | 9.3353% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.3353% | 781 |
| Net charge-offs to loans | 0.0396% | 3,096 |
| Credit loss provision to net charge-offs | 733.3333% | 474 |
| Earnings coverage of net charge-offs (x) | 142.3965% | 485 |
| Efficiency ratio | 55.4935% | 5,409 |
| Assets per employee ($millions) | 7.1025% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,803 |
| Loan loss allowance to noncurrent loans | 304.9180% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 4,082 |
| Noncurrent loans to loans | 0.4453% | 4,013 |
| Net loans and leases to total assets | 29.2708% | 5,994 |
| Net loans and leases to deposits | 35.2040% | 5,998 |
| Net loans and leases to core deposits | 35.2801% | 6,027 |
| Total domestic deposits to total assets | 83.1462% | 3,755 |
| Equity capital to assets | 11.7673% | 2,294 |
| Core capital (leverage) ratio | 9.9786% | 3,661 |
| Tier 1 risk-based capital ratio | 24.7722% | 877 |
| Total risk-based capital ratio | 25.7633% | 885 |
| Memoranda: | ||
| Average total assets | $187,611,000 | 3,107 |
| Average earning assets | $168,965,500 | 3,164 |
| Average equity | $20,595,250 | 3,139 |
| Average total loans | $50,474,250 | 4,695 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9896% | 5,868 |
| Cost of funding earning assets | 0.1967% | 5,464 |
| Net interest margin | 2.7929% | 5,626 |
| Noninterest income to average assets | 0.8866% | 1,484 |
| Noninterest expense to average assets | 2.0043% | 5,523 |
| Loan and lease loss provision to assets | 0.0636% | 2,847 |
| Net operating income to assets | 0.9534% | 2,613 |
| Return on assets (ROA) | 0.9587% | 2,707 |
| Pretax return on assets | 1.3564% | 2,159 |
| Return on Equity (ROE) | 8.9430% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.9430% | 939 |
| Net charge-offs to loans | 0.0693% | 2,406 |
| Credit loss provision to net charge-offs | 352.9412% | 821 |
| Earnings coverage of net charge-offs (x) | 78.3529% | 717 |
| Efficiency ratio | 56.6729% | 5,370 |
| Assets per employee ($millions) | 7.3254% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4365% | 2,580 |
| Loan loss allowance to noncurrent loans | 324.8826% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 4,318 |
| Noncurrent loans to loans | 0.4421% | 4,156 |
| Net loans and leases to total assets | 24.9302% | 6,147 |
| Net loans and leases to deposits | 29.5521% | 6,149 |
| Net loans and leases to core deposits | 29.6131% | 6,162 |
| Total domestic deposits to total assets | 84.3600% | 3,417 |
| Equity capital to assets | 10.6789% | 3,237 |
| Core capital (leverage) ratio | 9.5563% | 4,200 |
| Tier 1 risk-based capital ratio | 26.8984% | 713 |
| Total risk-based capital ratio | 27.9297% | 715 |
| Memoranda: | ||
| Average total assets | $188,593,000 | 3,120 |
| Average earning assets | $170,859,000 | 3,156 |
| Average equity | $20,217,000 | 3,196 |
| Average total loans | $49,033,330 | 4,784 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8947% | 5,994 |
| Cost of funding earning assets | 0.2022% | 5,490 |
| Net interest margin | 2.6924% | 5,816 |
| Noninterest income to average assets | 0.9421% | 1,260 |
| Noninterest expense to average assets | 1.9866% | 5,606 |
| Loan and lease loss provision to assets | 0.0426% | 3,058 |
| Net operating income to assets | 0.9315% | 2,600 |
| Return on assets (ROA) | 0.9507% | 2,639 |
| Pretax return on assets | 1.3812% | 1,954 |
| Return on Equity (ROE) | 8.8510% | 2,524 |
| Retained earnings to average equity (ytd only) | 8.8510% | 1,253 |
| Net charge-offs to loans | 0.0809% | 1,902 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 680 |
| Efficiency ratio | 56.7108% | 5,465 |
| Assets per employee ($millions) | 7.6635% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 3,194 |
| Loan loss allowance to noncurrent loans | 81.4586% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 3,330 |
| Noncurrent loans to loans | 1.6436% | 1,694 |
| Net loans and leases to total assets | 25.3472% | 6,186 |
| Net loans and leases to deposits | 30.7812% | 6,182 |
| Net loans and leases to core deposits | 30.9243% | 6,203 |
| Total domestic deposits to total assets | 82.3464% | 4,398 |
| Equity capital to assets | 11.3766% | 2,577 |
| Core capital (leverage) ratio | 9.1624% | 4,774 |
| Tier 1 risk-based capital ratio | 25.5378% | 829 |
| Total risk-based capital ratio | 26.5374% | 838 |
| Memoranda: | ||
| Average total assets | $187,659,500 | 3,147 |
| Average earning assets | $170,106,500 | 3,175 |
| Average equity | $20,156,000 | 3,223 |
| Average total loans | $49,463,000 | 4,799 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9818% | 6,076 |
| Cost of funding earning assets | 0.2302% | 5,523 |
| Net interest margin | 2.7516% | 5,874 |
| Noninterest income to average assets | 0.7973% | 1,887 |
| Noninterest expense to average assets | 2.0461% | 5,681 |
| Loan and lease loss provision to assets | 0.0320% | 3,959 |
| Net operating income to assets | 0.8308% | 3,219 |
| Return on assets (ROA) | 0.7923% | 3,507 |
| Pretax return on assets | 1.1342% | 2,950 |
| Return on Equity (ROE) | 8.6578% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.0442% | 1,009 |
| Net charge-offs to loans | -0.0330% | 5,818 |
| Credit loss provision to net charge-offs | -380.0000% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4228% | 5,161 |
| Assets per employee ($millions) | 7.3493% | 707 |
| Cash dividends to net income (ytd only)* | 7.0872% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 3,392 |
| Loan loss allowance to noncurrent loans | 145.5157% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 4,120 |
| Noncurrent loans to loans | 0.8973% | 3,073 |
| Net loans and leases to total assets | 26.6998% | 6,263 |
| Net loans and leases to deposits | 32.1371% | 6,258 |
| Net loans and leases to core deposits | 32.2915% | 6,276 |
| Total domestic deposits to total assets | 83.0808% | 4,049 |
| Equity capital to assets | 10.0777% | 4,010 |
| Core capital (leverage) ratio | 7.6295% | 6,158 |
| Tier 1 risk-based capital ratio | 19.5978% | 1,686 |
| Total risk-based capital ratio | 20.5149% | 1,746 |
| Memoranda: | ||
| Average total assets | $178,095,000 | 3,228 |
| Average earning assets | $159,869,800 | 3,282 |
| Average equity | $16,297,400 | 3,629 |
| Average total loans | $45,420,600 | 4,983 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0044% | 6,137 |
| Cost of funding earning assets | 0.2325% | 5,572 |
| Net interest margin | 2.7719% | 5,905 |
| Noninterest income to average assets | 0.8067% | 1,868 |
| Noninterest expense to average assets | 2.0684% | 5,642 |
| Loan and lease loss provision to assets | 0.0355% | 3,697 |
| Net operating income to assets | 0.8207% | 3,338 |
| Return on assets (ROA) | 0.7629% | 3,704 |
| Pretax return on assets | 1.1025% | 3,178 |
| Return on Equity (ROE) | 8.5625% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.5625% | 1,137 |
| Net charge-offs to loans | -0.0421% | 5,846 |
| Credit loss provision to net charge-offs | -335.7143% | 5,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6651% | 5,096 |
| Assets per employee ($millions) | 7.3850% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 3,967 |
| Loan loss allowance to noncurrent loans | 144.3439% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 4,284 |
| Noncurrent loans to loans | 0.8644% | 3,405 |
| Net loans and leases to total assets | 27.3511% | 6,331 |
| Net loans and leases to deposits | 32.7134% | 6,326 |
| Net loans and leases to core deposits | 32.8688% | 6,342 |
| Total domestic deposits to total assets | 83.6084% | 3,915 |
| Equity capital to assets | 9.4034% | 4,912 |
| Core capital (leverage) ratio | 7.6447% | 6,232 |
| Tier 1 risk-based capital ratio | 15.8848% | 3,109 |
| Total risk-based capital ratio | 16.6334% | 3,316 |
| Memoranda: | ||
| Average total assets | $176,685,750 | 3,275 |
| Average earning assets | $158,297,250 | 3,332 |
| Average equity | $15,742,750 | 3,728 |
| Average total loans | $44,349,500 | 5,077 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0092% | 6,165 |
| Cost of funding earning assets | 0.2301% | 5,660 |
| Net interest margin | 2.7791% | 5,946 |
| Noninterest income to average assets | 0.7987% | 1,843 |
| Noninterest expense to average assets | 2.0168% | 5,813 |
| Loan and lease loss provision to assets | 0.0207% | 3,857 |
| Net operating income to assets | 0.8362% | 3,146 |
| Return on assets (ROA) | 0.7539% | 3,648 |
| Pretax return on assets | 1.1227% | 3,001 |
| Return on Equity (ROE) | 8.6297% | 2,768 |
| Retained earnings to average equity (ytd only) | 8.6297% | 1,103 |
| Net charge-offs to loans | 0.0095% | 4,083 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 551.0000% | 128 |
| Efficiency ratio | 59.1880% | 5,405 |
| Assets per employee ($millions) | 6.7905% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 3,842 |
| Loan loss allowance to noncurrent loans | 138.2284% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 4,351 |
| Noncurrent loans to loans | 0.9425% | 3,360 |
| Net loans and leases to total assets | 25.4445% | 6,426 |
| Net loans and leases to deposits | 30.3764% | 6,422 |
| Net loans and leases to core deposits | 30.5271% | 6,444 |
| Total domestic deposits to total assets | 83.7641% | 4,011 |
| Equity capital to assets | 9.3473% | 4,924 |
| Core capital (leverage) ratio | 7.3066% | 6,371 |
| Tier 1 risk-based capital ratio | 17.5855% | 2,388 |
| Total risk-based capital ratio | 18.3784% | 2,531 |
| Memoranda: | ||
| Average total assets | $174,039,330 | 3,317 |
| Average earning assets | $155,589,000 | 3,383 |
| Average equity | $15,203,330 | 3,821 |
| Average total loans | $42,087,670 | 5,196 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0297% | 6,210 |
| Cost of funding earning assets | 0.2311% | 5,743 |
| Net interest margin | 2.7987% | 5,936 |
| Noninterest income to average assets | 0.7964% | 1,764 |
| Noninterest expense to average assets | 2.0187% | 5,847 |
| Loan and lease loss provision to assets | 0.0278% | 3,467 |
| Net operating income to assets | 0.8500% | 2,897 |
| Return on assets (ROA) | 0.7130% | 3,704 |
| Pretax return on assets | 1.0441% | 3,152 |
| Return on Equity (ROE) | 8.4653% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.4653% | 1,429 |
| Net charge-offs to loans | 0.0099% | 3,426 |
| Credit loss provision to net charge-offs | 1,200.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 69 |
| Efficiency ratio | 59.0717% | 5,531 |
| Assets per employee ($millions) | 7.3860% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 3,961 |
| Loan loss allowance to noncurrent loans | 173.4513% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 4,660 |
| Noncurrent loans to loans | 0.7665% | 3,945 |
| Net loans and leases to total assets | 24.6171% | 6,497 |
| Net loans and leases to deposits | 28.8288% | 6,500 |
| Net loans and leases to core deposits | 28.8918% | 6,512 |
| Total domestic deposits to total assets | 85.3906% | 3,677 |
| Equity capital to assets | 8.5923% | 5,557 |
| Core capital (leverage) ratio | 7.4002% | 6,371 |
| Tier 1 risk-based capital ratio | 17.2329% | 2,582 |
| Total risk-based capital ratio | 18.0298% | 2,746 |
| Memoranda: | ||
| Average total assets | $172,782,500 | 3,369 |
| Average earning assets | $154,073,500 | 3,434 |
| Average equity | $14,553,500 | 3,938 |
| Average total loans | $40,373,500 | 5,306 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0970% | 6,245 |
| Cost of funding earning assets | 0.2976% | 5,617 |
| Net interest margin | 2.7994% | 5,983 |
| Noninterest income to average assets | 0.8637% | 1,810 |
| Noninterest expense to average assets | 2.1609% | 5,712 |
| Loan and lease loss provision to assets | 0.0063% | 4,998 |
| Net operating income to assets | 0.7899% | 3,343 |
| Return on assets (ROA) | 0.7920% | 3,432 |
| Pretax return on assets | 1.1676% | 2,699 |
| Return on Equity (ROE) | 7.9960% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.2021% | 1,357 |
| Net charge-offs to loans | -0.0115% | 6,040 |
| Credit loss provision to net charge-offs | -250.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4434% | 5,133 |
| Assets per employee ($millions) | 7.0126% | 759 |
| Cash dividends to net income (ytd only)* | 9.9285% | 4,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 2,844 |
| Loan loss allowance to noncurrent loans | 168.2216% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5252% | 4,664 |
| Noncurrent loans to loans | 0.9392% | 3,638 |
| Net loans and leases to total assets | 21.3574% | 6,648 |
| Net loans and leases to deposits | 25.1272% | 6,651 |
| Net loans and leases to core deposits | 25.1853% | 6,658 |
| Total domestic deposits to total assets | 84.9972% | 3,754 |
| Equity capital to assets | 8.2447% | 5,828 |
| Core capital (leverage) ratio | 6.9061% | 6,540 |
| Tier 1 risk-based capital ratio | 18.1371% | 2,206 |
| Total risk-based capital ratio | 19.0352% | 2,284 |
| Memoranda: | ||
| Average total assets | $158,963,000 | 3,579 |
| Average earning assets | $140,135,800 | 3,661 |
| Average equity | $15,745,400 | 3,746 |
| Average total loans | $34,803,400 | 5,546 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1352% | 6,277 |
| Cost of funding earning assets | 0.3114% | 5,632 |
| Net interest margin | 2.8238% | 5,978 |
| Noninterest income to average assets | 0.8845% | 1,808 |
| Noninterest expense to average assets | 2.1443% | 5,735 |
| Loan and lease loss provision to assets | 0.0085% | 4,811 |
| Net operating income to assets | 0.8272% | 3,215 |
| Return on assets (ROA) | 0.8521% | 3,202 |
| Pretax return on assets | 1.2616% | 2,473 |
| Return on Equity (ROE) | 8.2320% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.2320% | 1,323 |
| Net charge-offs to loans | -0.0078% | 5,846 |
| Credit loss provision to net charge-offs | -500.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0635% | 5,276 |
| Assets per employee ($millions) | 7.5424% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 2,767 |
| Loan loss allowance to noncurrent loans | 165.2299% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 4,811 |
| Noncurrent loans to loans | 1.0040% | 3,799 |
| Net loans and leases to total assets | 20.5421% | 6,742 |
| Net loans and leases to deposits | 24.2766% | 6,749 |
| Net loans and leases to core deposits | 24.3445% | 6,756 |
| Total domestic deposits to total assets | 84.6172% | 3,922 |
| Equity capital to assets | 8.4691% | 5,768 |
| Core capital (leverage) ratio | 7.2305% | 6,536 |
| Tier 1 risk-based capital ratio | 17.0091% | 2,699 |
| Total risk-based capital ratio | 17.8483% | 2,858 |
| Memoranda: | ||
| Average total assets | $156,628,250 | 3,644 |
| Average earning assets | $138,296,250 | 3,729 |
| Average equity | $16,212,750 | 3,707 |
| Average total loans | $34,373,750 | 5,616 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1687% | 6,269 |
| Cost of funding earning assets | 0.3336% | 5,535 |
| Net interest margin | 2.8350% | 5,934 |
| Noninterest income to average assets | 0.9406% | 1,686 |
| Noninterest expense to average assets | 2.1456% | 5,760 |
| Loan and lease loss provision to assets | 0.0130% | 4,621 |
| Net operating income to assets | 0.8587% | 2,997 |
| Return on assets (ROA) | 0.8963% | 2,962 |
| Pretax return on assets | 1.3288% | 2,198 |
| Return on Equity (ROE) | 8.1263% | 3,027 |
| Retained earnings to average equity (ytd only) | 8.1263% | 1,433 |
| Net charge-offs to loans | -0.0058% | 5,660 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0987% | 5,475 |
| Assets per employee ($millions) | 6.2909% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 2,818 |
| Loan loss allowance to noncurrent loans | 115.0301% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 4,477 |
| Noncurrent loans to loans | 1.4678% | 3,107 |
| Net loans and leases to total assets | 21.2509% | 6,775 |
| Net loans and leases to deposits | 25.8923% | 6,765 |
| Net loans and leases to core deposits | 25.9709% | 6,780 |
| Total domestic deposits to total assets | 82.0745% | 5,035 |
| Equity capital to assets | 10.0176% | 3,896 |
| Core capital (leverage) ratio | 7.9339% | 6,227 |
| Tier 1 risk-based capital ratio | 22.0600% | 1,271 |
| Total risk-based capital ratio | 23.1203% | 1,284 |
| Memoranda: | ||
| Average total assets | $153,527,000 | 3,714 |
| Average earning assets | $134,883,330 | 3,806 |
| Average equity | $16,932,670 | 3,630 |
| Average total loans | $34,278,000 | 5,652 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2124% | 6,283 |
| Cost of funding earning assets | 0.3512% | 5,522 |
| Net interest margin | 2.8612% | 5,886 |
| Noninterest income to average assets | 0.9495% | 1,616 |
| Noninterest expense to average assets | 2.1180% | 5,870 |
| Loan and lease loss provision to assets | 0.0264% | 4,137 |
| Net operating income to assets | 0.8762% | 2,773 |
| Return on assets (ROA) | 0.9522% | 2,573 |
| Pretax return on assets | 1.4111% | 1,819 |
| Return on Equity (ROE) | 8.2413% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.2413% | 1,665 |
| Net charge-offs to loans | -0.0116% | 5,496 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0805% | 5,707 |
| Assets per employee ($millions) | 6.5783% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 3,019 |
| Loan loss allowance to noncurrent loans | 142.4318% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 4,531 |
| Noncurrent loans to loans | 1.1918% | 3,781 |
| Net loans and leases to total assets | 21.9688% | 6,820 |
| Net loans and leases to deposits | 27.3219% | 6,796 |
| Net loans and leases to core deposits | 27.4098% | 6,817 |
| Total domestic deposits to total assets | 80.4073% | 5,665 |
| Equity capital to assets | 11.6899% | 2,261 |
| Core capital (leverage) ratio | 8.0933% | 6,054 |
| Tier 1 risk-based capital ratio | 21.8365% | 1,363 |
| Total risk-based capital ratio | 22.9206% | 1,362 |
| Memoranda: | ||
| Average total assets | $151,654,000 | 3,777 |
| Average earning assets | $132,111,500 | 3,897 |
| Average equity | $17,521,500 | 3,592 |
| Average total loans | $34,419,000 | 5,691 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 6,362 |
| Cost of funding earning assets | 0.5215% | 5,062 |
| Net interest margin | 2.9737% | 6,096 |
| Noninterest income to average assets | 1.0460% | 1,419 |
| Noninterest expense to average assets | 2.3229% | 5,628 |
| Loan and lease loss provision to assets | 0.0841% | 4,648 |
| Net operating income to assets | 0.7817% | 3,363 |
| Return on assets (ROA) | 0.8756% | 3,173 |
| Pretax return on assets | 1.3809% | 2,108 |
| Return on Equity (ROE) | 7.2169% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.6089% | 1,762 |
| Net charge-offs to loans | 0.1455% | 4,238 |
| Credit loss provision to net charge-offs | 228.0000% | 1,084 |
| Earnings coverage of net charge-offs (x) | 35.7400% | 882 |
| Efficiency ratio | 61.6491% | 5,293 |
| Assets per employee ($millions) | 6.6090% | 946 |
| Cash dividends to net income (ytd only)* | 8.4246% | 4,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 3,275 |
| Loan loss allowance to noncurrent loans | 56.5829% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1236% | 3,778 |
| Noncurrent loans to loans | 2.8408% | 1,849 |
| Net loans and leases to total assets | 22.6713% | 6,880 |
| Net loans and leases to deposits | 29.6424% | 6,836 |
| Net loans and leases to core deposits | 29.7420% | 6,851 |
| Total domestic deposits to total assets | 76.4827% | 6,289 |
| Equity capital to assets | 11.4179% | 2,518 |
| Core capital (leverage) ratio | 7.9457% | 6,245 |
| Tier 1 risk-based capital ratio | 21.5580% | 1,344 |
| Total risk-based capital ratio | 22.6447% | 1,357 |
| Memoranda: | ||
| Average total assets | $135,562,400 | 4,036 |
| Average earning assets | $118,302,200 | 4,152 |
| Average equity | $16,447,600 | 3,714 |
| Average total loans | $34,371,000 | 5,744 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5464% | 6,456 |
| Cost of funding earning assets | 0.5697% | 4,914 |
| Net interest margin | 2.9767% | 6,216 |
| Noninterest income to average assets | 1.0741% | 1,308 |
| Noninterest expense to average assets | 2.2720% | 5,767 |
| Loan and lease loss provision to assets | 0.1156% | 4,119 |
| Net operating income to assets | 0.8068% | 3,418 |
| Return on assets (ROA) | 0.8906% | 3,263 |
| Pretax return on assets | 1.4089% | 2,203 |
| Return on Equity (ROE) | 7.2170% | 3,685 |
| Retained earnings to average equity (ytd only) | 7.2170% | 2,000 |
| Net charge-offs to loans | 0.0974% | 4,410 |
| Credit loss provision to net charge-offs | 456.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 54.9640% | 700 |
| Efficiency ratio | 59.9336% | 5,512 |
| Assets per employee ($millions) | 6.1931% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 2,893 |
| Loan loss allowance to noncurrent loans | 296.9697% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 5,136 |
| Noncurrent loans to loans | 0.5966% | 5,247 |
| Net loans and leases to total assets | 21.9323% | 7,002 |
| Net loans and leases to deposits | 27.0628% | 6,997 |
| Net loans and leases to core deposits | 27.1500% | 7,002 |
| Total domestic deposits to total assets | 81.0422% | 5,342 |
| Equity capital to assets | 11.5747% | 2,674 |
| Core capital (leverage) ratio | 7.9271% | 6,382 |
| Tier 1 risk-based capital ratio | 22.4745% | 1,253 |
| Total risk-based capital ratio | 23.6840% | 1,238 |
| Memoranda: | ||
| Average total assets | $131,451,250 | 4,146 |
| Average earning assets | $114,443,250 | 4,279 |
| Average equity | $16,220,500 | 3,785 |
| Average total loans | $34,207,500 | 5,825 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 6,392 |
| Cost of funding earning assets | 0.6067% | 4,847 |
| Net interest margin | 3.0612% | 6,098 |
| Noninterest income to average assets | 1.1151% | 1,149 |
| Noninterest expense to average assets | 2.2510% | 5,868 |
| Loan and lease loss provision to assets | 0.1814% | 3,289 |
| Net operating income to assets | 0.8454% | 3,166 |
| Return on assets (ROA) | 0.9513% | 2,911 |
| Pretax return on assets | 1.4969% | 1,853 |
| Return on Equity (ROE) | 7.5255% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.5255% | 1,851 |
| Net charge-offs to loans | 0.1331% | 3,862 |
| Credit loss provision to net charge-offs | 495.6522% | 613 |
| Earnings coverage of net charge-offs (x) | 41.3478% | 853 |
| Efficiency ratio | 58.0304% | 5,870 |
| Assets per employee ($millions) | 6.7507% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 3,241 |
| Loan loss allowance to noncurrent loans | 304.1237% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 4,807 |
| Noncurrent loans to loans | 0.5579% | 5,399 |
| Net loans and leases to total assets | 24.1146% | 7,031 |
| Net loans and leases to deposits | 30.0719% | 7,006 |
| Net loans and leases to core deposits | 30.2435% | 7,015 |
| Total domestic deposits to total assets | 80.1898% | 5,694 |
| Equity capital to assets | 11.8280% | 2,289 |
| Core capital (leverage) ratio | 7.8708% | 6,392 |
| Tier 1 risk-based capital ratio | 21.9187% | 1,312 |
| Total risk-based capital ratio | 23.1370% | 1,295 |
| Memoranda: | ||
| Average total assets | $125,723,330 | 4,298 |
| Average earning assets | $108,780,000 | 4,441 |
| Average equity | $15,892,670 | 3,824 |
| Average total loans | $34,547,670 | 5,848 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 6,720 |
| Cost of funding earning assets | 0.6277% | 4,913 |
| Net interest margin | 2.8564% | 6,545 |
| Noninterest income to average assets | 1.1996% | 995 |
| Noninterest expense to average assets | 2.3007% | 5,767 |
| Loan and lease loss provision to assets | 0.0816% | 4,372 |
| Net operating income to assets | 0.8228% | 3,282 |
| Return on assets (ROA) | 0.8360% | 3,452 |
| Pretax return on assets | 1.2812% | 2,605 |
| Return on Equity (ROE) | 6.3669% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.3669% | 2,762 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2201% | 5,234 |
| Assets per employee ($millions) | 6.2996% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 4,115 |
| Loan loss allowance to noncurrent loans | 144.0771% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 4,909 |
| Noncurrent loans to loans | 1.0467% | 4,601 |
| Net loans and leases to total assets | 24.6450% | 7,068 |
| Net loans and leases to deposits | 30.5781% | 7,040 |
| Net loans and leases to core deposits | 30.8248% | 7,059 |
| Total domestic deposits to total assets | 80.5970% | 5,702 |
| Equity capital to assets | 11.6688% | 2,287 |
| Core capital (leverage) ratio | 10.4706% | 2,783 |
| Tier 1 risk-based capital ratio | 19.6226% | 1,802 |
| Total risk-based capital ratio | 20.6256% | 1,842 |
| Memoranda: | ||
| Average total assets | $117,702,500 | 4,501 |
| Average earning assets | $100,684,500 | 4,683 |
| Average equity | $15,455,000 | 3,901 |
| Average total loans | $34,433,500 | 5,903 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 5,417 |
| Cost of funding earning assets | 0.8741% | 4,298 |
| Net interest margin | 3.5283% | 5,030 |
| Noninterest income to average assets | 1.4470% | 621 |
| Noninterest expense to average assets | 2.9353% | 3,823 |
| Loan and lease loss provision to assets | 0.1614% | 4,616 |
| Net operating income to assets | 0.8446% | 2,854 |
| Return on assets (ROA) | 0.8337% | 3,060 |
| Pretax return on assets | 1.2767% | 2,214 |
| Return on Equity (ROE) | 5.3440% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.3440% | 2,419 |
| Net charge-offs to loans | 0.0396% | 5,914 |
| Credit loss provision to net charge-offs | 1,115.3846% | 199 |
| Earnings coverage of net charge-offs (x) | 100.5385% | 308 |
| Efficiency ratio | 65.7961% | 4,814 |
| Assets per employee ($millions) | 5.6949% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,196 |
| Loan loss allowance to noncurrent loans | 114.9770% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 3,991 |
| Noncurrent loans to loans | 1.2695% | 4,250 |
| Net loans and leases to total assets | 34.7980% | 6,830 |
| Net loans and leases to deposits | 48.3648% | 6,475 |
| Net loans and leases to core deposits | 48.8105% | 6,603 |
| Total domestic deposits to total assets | 71.9490% | 6,871 |
| Equity capital to assets | 15.2232% | 732 |
| Core capital (leverage) ratio | 10.3203% | 2,943 |
| Tier 1 risk-based capital ratio | 21.0317% | 1,401 |
| Total risk-based capital ratio | 22.1633% | 1,409 |
| Memoranda: | ||
| Average total assets | $89,839,000 | 5,186 |
| Average earning assets | $74,937,200 | 5,375 |
| Average equity | $14,015,800 | 4,104 |
| Average total loans | $32,800,200 | 6,022 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3959% | 5,614 |
| Cost of funding earning assets | 0.8982% | 4,413 |
| Net interest margin | 3.4978% | 5,202 |
| Noninterest income to average assets | 1.5014% | 585 |
| Noninterest expense to average assets | 2.9286% | 3,805 |
| Loan and lease loss provision to assets | 0.1740% | 4,292 |
| Net operating income to assets | 0.8426% | 2,975 |
| Return on assets (ROA) | 0.8279% | 3,193 |
| Pretax return on assets | 1.2759% | 2,377 |
| Return on Equity (ROE) | 5.2715% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.2715% | 3,016 |
| Net charge-offs to loans | 0.0575% | 5,394 |
| Credit loss provision to net charge-offs | 821.4286% | 323 |
| Earnings coverage of net charge-offs (x) | 69.4858% | 476 |
| Efficiency ratio | 65.4402% | 4,816 |
| Assets per employee ($millions) | 5.5518% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,592 |
| Loan loss allowance to noncurrent loans | 112.2302% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 3,988 |
| Noncurrent loans to loans | 1.2416% | 4,466 |
| Net loans and leases to total assets | 35.0911% | 6,910 |
| Net loans and leases to deposits | 47.5260% | 6,649 |
| Net loans and leases to core deposits | 47.9173% | 6,762 |
| Total domestic deposits to total assets | 73.8356% | 6,780 |
| Equity capital to assets | 15.4524% | 736 |
| Core capital (leverage) ratio | 10.3528% | 3,034 |
| Tier 1 risk-based capital ratio | 20.9073% | 1,473 |
| Total risk-based capital ratio | 21.9871% | 1,483 |
| Memoranda: | ||
| Average total assets | $88,095,500 | 5,267 |
| Average earning assets | $73,035,500 | 5,477 |
| Average equity | $13,835,250 | 4,158 |
| Average total loans | $32,453,250 | 6,106 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 5,788 |
| Cost of funding earning assets | 0.9386% | 4,400 |
| Net interest margin | 3.4320% | 5,436 |
| Noninterest income to average assets | 1.5116% | 561 |
| Noninterest expense to average assets | 3.0256% | 3,541 |
| Loan and lease loss provision to assets | 0.0930% | 5,165 |
| Net operating income to assets | 0.8432% | 2,889 |
| Return on assets (ROA) | 0.7116% | 3,600 |
| Pretax return on assets | 1.0256% | 3,140 |
| Return on Equity (ROE) | 4.5047% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.5047% | 3,327 |
| Net charge-offs to loans | -0.0374% | 6,979 |
| Credit loss provision to net charge-offs | -666.6667% | 6,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6695% | 4,397 |
| Assets per employee ($millions) | 5.4311% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 4,982 |
| Loan loss allowance to noncurrent loans | 88.4368% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.4329% | 4,064 |
| Noncurrent loans to loans | 1.4897% | 4,191 |
| Net loans and leases to total assets | 33.5063% | 7,061 |
| Net loans and leases to deposits | 45.0739% | 6,877 |
| Net loans and leases to core deposits | 45.4500% | 6,962 |
| Total domestic deposits to total assets | 74.3363% | 6,804 |
| Equity capital to assets | 15.3538% | 728 |
| Core capital (leverage) ratio | 10.9630% | 2,283 |
| Tier 1 risk-based capital ratio | 20.2375% | 1,563 |
| Total risk-based capital ratio | 21.1862% | 1,598 |
| Memoranda: | ||
| Average total assets | $86,000,670 | 5,371 |
| Average earning assets | $70,745,000 | 5,609 |
| Average equity | $13,585,670 | 4,201 |
| Average total loans | $32,075,330 | 6,190 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 5,139 |
| Cost of funding earning assets | 0.9991% | 4,211 |
| Net interest margin | 3.5588% | 4,771 |
| Noninterest income to average assets | 1.5356% | 554 |
| Noninterest expense to average assets | 3.1291% | 3,146 |
| Loan and lease loss provision to assets | 0.0966% | 4,805 |
| Net operating income to assets | 0.8518% | 2,774 |
| Return on assets (ROA) | 0.5408% | 4,391 |
| Pretax return on assets | 0.7726% | 4,006 |
| Return on Equity (ROE) | 3.3708% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.3708% | 4,167 |
| Net charge-offs to loans | -0.0370% | 6,786 |
| Credit loss provision to net charge-offs | -666.6667% | 6,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2391% | 4,426 |
| Assets per employee ($millions) | 4.8261% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 5,513 |
| Loan loss allowance to noncurrent loans | 67.7083% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 3,562 |
| Noncurrent loans to loans | 1.8047% | 3,823 |
| Net loans and leases to total assets | 38.4274% | 6,879 |
| Net loans and leases to deposits | 53.8132% | 6,303 |
| Net loans and leases to core deposits | 54.1673% | 6,540 |
| Total domestic deposits to total assets | 71.4089% | 7,115 |
| Equity capital to assets | 16.2768% | 530 |
| Core capital (leverage) ratio | 11.1360% | 2,083 |
| Tier 1 risk-based capital ratio | 20.2900% | 1,521 |
| Total risk-based capital ratio | 21.2093% | 1,563 |
| Memoranda: | ||
| Average total assets | $82,836,500 | 5,501 |
| Average earning assets | $67,663,000 | 5,744 |
| Average equity | $13,290,500 | 4,271 |
| Average total loans | $32,438,500 | 6,213 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 3,680 |
| Cost of funding earning assets | 1.3833% | 3,371 |
| Net interest margin | 3.8006% | 3,944 |
| Noninterest income to average assets | 1.6664% | 527 |
| Noninterest expense to average assets | 3.3825% | 2,483 |
| Loan and lease loss provision to assets | 0.4465% | 3,452 |
| Net operating income to assets | 0.5965% | 3,685 |
| Return on assets (ROA) | 0.6284% | 3,703 |
| Pretax return on assets | 0.9484% | 3,109 |
| Return on Equity (ROE) | 3.2894% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.2894% | 3,568 |
| Net charge-offs to loans | 0.2720% | 4,663 |
| Credit loss provision to net charge-offs | 323.7113% | 799 |
| Earnings coverage of net charge-offs (x) | 9.7629% | 1,786 |
| Efficiency ratio | 70.2646% | 4,123 |
| Assets per employee ($millions) | 4.9194% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,907 |
| Loan loss allowance to noncurrent loans | 105.7637% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 1.8833% | 3,509 |
| Noncurrent loans to loans | 1.0528% | 4,968 |
| Net loans and leases to total assets | 38.9729% | 7,023 |
| Net loans and leases to deposits | 54.4024% | 6,579 |
| Net loans and leases to core deposits | 54.7524% | 6,768 |
| Total domestic deposits to total assets | 71.6382% | 7,114 |
| Equity capital to assets | 15.8161% | 617 |
| Core capital (leverage) ratio | 11.0400% | 2,129 |
| Tier 1 risk-based capital ratio | 18.3686% | 1,887 |
| Total risk-based capital ratio | 19.1633% | 1,989 |
| Memoranda: | ||
| Average total assets | $70,332,200 | 5,877 |
| Average earning assets | $56,675,800 | 6,113 |
| Average equity | $13,437,000 | 4,273 |
| Average total loans | $35,667,000 | 6,131 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2986% | 3,364 |
| Cost of funding earning assets | 1.5001% | 2,982 |
| Net interest margin | 3.7986% | 3,978 |
| Noninterest income to average assets | 1.7172% | 485 |
| Noninterest expense to average assets | 3.4045% | 2,279 |
| Loan and lease loss provision to assets | 0.5452% | 2,769 |
| Net operating income to assets | 0.5364% | 4,154 |
| Return on assets (ROA) | 0.5810% | 4,113 |
| Pretax return on assets | 0.8835% | 3,613 |
| Return on Equity (ROE) | 2.8861% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.8861% | 4,403 |
| Net charge-offs to loans | 0.1504% | 5,104 |
| Credit loss provision to net charge-offs | 668.2927% | 439 |
| Earnings coverage of net charge-offs (x) | 16.6815% | 1,373 |
| Efficiency ratio | 70.1044% | 4,044 |
| Assets per employee ($millions) | 5.0994% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 6,082 |
| Loan loss allowance to noncurrent loans | 20.2538% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 2.5371% | 2,829 |
| Noncurrent loans to loans | 5.2730% | 1,286 |
| Net loans and leases to total assets | 43.4845% | 6,876 |
| Net loans and leases to deposits | 60.2421% | 6,293 |
| Net loans and leases to core deposits | 60.4763% | 6,571 |
| Total domestic deposits to total assets | 72.1829% | 7,109 |
| Equity capital to assets | 16.8256% | 539 |
| Core capital (leverage) ratio | 13.2183% | 1,145 |
| Tier 1 risk-based capital ratio | 17.9531% | 2,033 |
| Total risk-based capital ratio | 18.7816% | 2,135 |
| Memoranda: | ||
| Average total assets | $67,007,750 | 6,025 |
| Average earning assets | $53,773,500 | 6,285 |
| Average equity | $13,489,500 | 4,328 |
| Average total loans | $36,343,750 | 6,185 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7458% | 1,567 |
| Cost of funding earning assets | 1.7091% | 2,075 |
| Net interest margin | 4.0367% | 2,849 |
| Noninterest income to average assets | 1.7475% | 432 |
| Noninterest expense to average assets | 3.5432% | 1,923 |
| Loan and lease loss provision to assets | 0.7885% | 1,824 |
| Net operating income to assets | 0.2931% | 5,209 |
| Return on assets (ROA) | 0.2993% | 5,337 |
| Pretax return on assets | 0.6179% | 4,514 |
| Return on Equity (ROE) | 1.3870% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.3870% | 5,188 |
| Net charge-offs to loans | 0.2192% | 4,287 |
| Credit loss provision to net charge-offs | 612.5000% | 595 |
| Earnings coverage of net charge-offs (x) | 10.8500% | 1,832 |
| Efficiency ratio | 70.3583% | 4,118 |
| Assets per employee ($millions) | 3.9601% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 6,509 |
| Loan loss allowance to noncurrent loans | 36.6736% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 1.5597% | 4,123 |
| Noncurrent loans to loans | 2.6555% | 2,986 |
| Net loans and leases to total assets | 53.6199% | 6,032 |
| Net loans and leases to deposits | 80.8158% | 3,463 |
| Net loans and leases to core deposits | 81.2305% | 4,523 |
| Total domestic deposits to total assets | 66.3483% | 7,513 |
| Equity capital to assets | 20.1613% | 278 |
| Core capital (leverage) ratio | 11.4280% | 1,954 |
| Tier 1 risk-based capital ratio | 18.1661% | 1,914 |
| Total risk-based capital ratio | 18.9610% | 2,003 |
| Memoranda: | ||
| Average total assets | $62,147,000 | 6,228 |
| Average earning assets | $49,149,000 | 6,503 |
| Average equity | $13,410,000 | 4,350 |
| Average total loans | $36,504,330 | 6,223 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9630% | 1,048 |
| Cost of funding earning assets | 1.8348% | 1,723 |
| Net interest margin | 4.1282% | 2,326 |
| Noninterest income to average assets | 1.3566% | 655 |
| Noninterest expense to average assets | 3.5057% | 1,968 |
| Loan and lease loss provision to assets | 0.3022% | 3,622 |
| Net operating income to assets | 0.5843% | 3,967 |
| Return on assets (ROA) | 0.5843% | 4,113 |
| Pretax return on assets | 0.8126% | 3,813 |
| Return on Equity (ROE) | 2.6109% | 5,517 |
| Retained earnings to average equity (ytd only) | 2.6109% | 4,578 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2733% | 3,535 |
| Assets per employee ($millions) | 3.9373% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5399% | 7,563 |
| Loan loss allowance to noncurrent loans | 23.8971% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 1.4494% | 4,333 |
| Noncurrent loans to loans | 2.2591% | 3,448 |
| Net loans and leases to total assets | 60.8280% | 4,970 |
| Net loans and leases to deposits | 98.8471% | 837 |
| Net loans and leases to core deposits | 102.2427% | 1,876 |
| Total domestic deposits to total assets | 61.5374% | 7,726 |
| Equity capital to assets | 22.6515% | 190 |
| Core capital (leverage) ratio | 14.9216% | 761 |
| Tier 1 risk-based capital ratio | 18.9873% | 1,728 |
| Total risk-based capital ratio | 19.4446% | 1,873 |
| Memoranda: | ||
| Average total assets | $59,559,500 | 6,404 |
| Average earning assets | $47,090,500 | 6,664 |
| Average equity | $13,328,500 | 4,398 |
| Average total loans | $36,530,000 | 6,277 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3786% | 7,911 |
| Cost of funding earning assets | 0.9296% | 7,345 |
| Net interest margin | 1.4490% | 7,879 |
| Noninterest income to average assets | 0.1623% | 6,913 |
| Noninterest expense to average assets | 1.2888% | 7,882 |
| Loan and lease loss provision to assets | 0.2451% | 5,423 |
| Net operating income to assets | -0.1217% | 5,711 |
| Return on assets (ROA) | -0.1217% | 5,710 |
| Pretax return on assets | -0.1217% | 5,620 |
| Return on Equity (ROE) | -0.7148% | 5,659 |
| Retained earnings to average equity (ytd only) | -0.7148% | 5,179 |
| Net charge-offs to loans | 0.0026% | 7,214 |
| Credit loss provision to net charge-offs | 15,100.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 357 |
| Efficiency ratio | 89.0805% | 1,789 |
| Assets per employee ($millions) | 4.2899% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4061% | 7,754 |
| Loan loss allowance to noncurrent loans | 19.2061% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 1.3670% | 4,372 |
| Noncurrent loans to loans | 2.1142% | 3,497 |
| Net loans and leases to total assets | 61.2564% | 5,149 |
| Net loans and leases to deposits | 97.0328% | 1,206 |
| Net loans and leases to core deposits | 110.1266% | 2,880 |
| Total domestic deposits to total assets | 63.1296% | 7,730 |
| Equity capital to assets | 22.1099% | 221 |
| Core capital (leverage) ratio | 14.3238% | 922 |
| Tier 1 risk-based capital ratio | 18.4696% | 1,759 |
| Total risk-based capital ratio | 18.8160% | 1,972 |
| Memoranda: | ||
| Average total assets | $61,609,400 | 6,289 |
| Average earning assets | $53,141,000 | 6,407 |
| Average equity | $10,491,800 | 5,168 |
| Average total loans | $38,287,600 | 6,188 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3665% | 8,050 |
| Cost of funding earning assets | 0.5874% | 7,893 |
| Net interest margin | 0.7791% | 8,035 |
| Noninterest income to average assets | 0.1161% | 7,313 |
| Noninterest expense to average assets | 0.6344% | 8,065 |
| Loan and lease loss provision to assets | 0.1785% | 5,576 |
| Net operating income to assets | -0.0150% | 5,734 |
| Return on assets (ROA) | -0.0150% | 5,797 |
| Pretax return on assets | -0.0150% | 5,731 |
| Return on Equity (ROE) | -0.0953% | 5,790 |
| Retained earnings to average equity (ytd only) | -0.0953% | 5,230 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5148% | 2,919 |
| Assets per employee ($millions) | 5.0003% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2322% | 7,955 |
| Loan loss allowance to noncurrent loans | 11.4325% | 7,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3583% | 4,372 |
| Noncurrent loans to loans | 2.0312% | 3,594 |
| Net loans and leases to total assets | 59.4287% | 5,675 |
| Net loans and leases to deposits | 94.4734% | 1,792 |
| Net loans and leases to core deposits | 109.1758% | 3,331 |
| Total domestic deposits to total assets | 62.9052% | 7,801 |
| Equity capital to assets | 22.3072% | 239 |
| Core capital (leverage) ratio | 14.0126% | 1,087 |
| Tier 1 risk-based capital ratio | 19.0878% | 1,732 |
| Total risk-based capital ratio | 19.2844% | 1,925 |
| Memoranda: | ||
| Average total assets | $61,997,000 | 6,312 |
| Average earning assets | $54,249,250 | 6,412 |
| Average equity | $9,795,000 | 5,401 |
| Average total loans | $38,624,500 | 6,221 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 6,400 |
| Cost of funding earning assets | 2.4011% | 1,966 |
| Net interest margin | 2.7075% | 7,181 |
| Noninterest income to average assets | 0.3096% | 6,032 |
| Noninterest expense to average assets | 3.1822% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.6160% | 6,674 |
| Return on assets (ROA) | -0.7150% | 6,769 |
| Pretax return on assets | -0.5458% | 6,471 |
| Return on Equity (ROE) | -5.2103% | 6,636 |
| Retained earnings to average equity (ytd only) | -5.2103% | 6,336 |
| Net charge-offs to loans | 0.0455% | 5,833 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -15.5556% | 6,553 |
| Efficiency ratio | 116.3361% | 734 |
| Assets per employee ($millions) | 3.7637% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8252% | 7,066 |
| Loan loss allowance to noncurrent loans | 47.9688% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 4,062 |
| Noncurrent loans to loans | 1.7202% | 3,924 |
| Net loans and leases to total assets | 65.3582% | 4,690 |
| Net loans and leases to deposits | 93.3583% | 2,198 |
| Net loans and leases to core deposits | 107.6371% | 3,647 |
| Total domestic deposits to total assets | 70.0080% | 7,474 |
| Equity capital to assets | 14.9358% | 1,041 |
| Core capital (leverage) ratio | 13.6859% | 1,215 |
| Tier 1 risk-based capital ratio | 21.9735% | 1,261 |
| Total risk-based capital ratio | 22.7735% | 1,288 |
| Memoranda: | ||
| Average total assets | $62,661,670 | 6,347 |
| Average earning assets | $56,140,670 | 6,377 |
| Average equity | $8,598,330 | 5,815 |
| Average total loans | $39,585,330 | 6,222 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1328% | 6,556 |
| Cost of funding earning assets | 2.4274% | 2,185 |
| Net interest margin | 2.7054% | 7,192 |
| Noninterest income to average assets | 0.3893% | 5,304 |
| Noninterest expense to average assets | 2.6701% | 5,149 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1277% | 5,894 |
| Return on assets (ROA) | 0.1277% | 6,061 |
| Pretax return on assets | 0.1460% | 6,061 |
| Return on Equity (ROE) | 0.9676% | 6,133 |
| Retained earnings to average equity (ytd only) | 0.9676% | 5,260 |
| Net charge-offs to loans | 0.0490% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.8000% | 2,812 |
| Efficiency ratio | 94.8164% | 1,386 |
| Assets per employee ($millions) | 4.3669% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 7,244 |
| Loan loss allowance to noncurrent loans | 165.4255% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0809% | 4,527 |
| Noncurrent loans to loans | 0.4676% | 6,245 |
| Net loans and leases to total assets | 60.8986% | 5,510 |
| Net loans and leases to deposits | 83.6254% | 4,040 |
| Net loans and leases to core deposits | 108.7719% | 3,590 |
| Total domestic deposits to total assets | 72.8230% | 7,078 |
| Equity capital to assets | 13.2618% | 1,632 |
| Core capital (leverage) ratio | 13.2840% | 1,391 |
| Tier 1 risk-based capital ratio | 20.4835% | 1,526 |
| Total risk-based capital ratio | 21.2176% | 1,584 |
| Memoranda: | ||
| Average total assets | $65,765,000 | 6,260 |
| Average earning assets | $58,993,000 | 6,301 |
| Average equity | $8,681,500 | 5,817 |
| Average total loans | $40,775,500 | 6,205 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6439% | 6,947 |
| Cost of funding earning assets | 3.1727% | 1,280 |
| Net interest margin | 2.4713% | 7,788 |
| Noninterest income to average assets | 0.4847% | 4,755 |
| Noninterest expense to average assets | 2.6681% | 5,387 |
| Loan and lease loss provision to assets | 0.2533% | 4,386 |
| Net operating income to assets | -0.1849% | 6,604 |
| Return on assets (ROA) | -0.1849% | 6,451 |
| Pretax return on assets | -0.2314% | 6,395 |
| Return on Equity (ROE) | -1.4602% | 6,428 |
| Retained earnings to average equity (ytd only) | -1.4602% | 5,726 |
| Net charge-offs to loans | 0.4694% | 2,481 |
| Credit loss provision to net charge-offs | 83.2536% | 5,836 |
| Earnings coverage of net charge-offs (x) | 0.0718% | 6,204 |
| Efficiency ratio | 99.1883% | 1,014 |
| Assets per employee ($millions) | 4.4017% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 7,230 |
| Loan loss allowance to noncurrent loans | 367.4419% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 4,536 |
| Noncurrent loans to loans | 0.2080% | 6,762 |
| Net loans and leases to total assets | 62.1467% | 5,604 |
| Net loans and leases to deposits | 84.7684% | 4,298 |
| Net loans and leases to core deposits | 109.8725% | 3,792 |
| Total domestic deposits to total assets | 73.3135% | 6,772 |
| Equity capital to assets | 13.1403% | 1,734 |
| Core capital (leverage) ratio | 13.1750% | 1,488 |
| Tier 1 risk-based capital ratio | 20.0668% | 1,608 |
| Total risk-based capital ratio | 20.7993% | 1,652 |
| Memoranda: | ||
| Average total assets | $68,701,200 | 6,071 |
| Average earning assets | $61,305,000 | 6,121 |
| Average equity | $8,697,600 | 5,842 |
| Average total loans | $44,524,000 | 5,948 |