Home > Prairie Community Bank > Performance and Condition Ratios
Prairie Community 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 | 5.1014% | 1,850 |
| Cost of funding earning assets | 0.9465% | 3,418 |
| Net interest margin | 4.1548% | 999 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 3.2015% | 830 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.6806% | 3,242 |
| Return on assets (ROA) | 0.7079% | 3,147 |
| Pretax return on assets | 0.9756% | 2,737 |
| Return on Equity (ROE) | 9.7400% | 2,574 |
| Retained earnings to average equity (ytd only) | 9.7398% | 1,077 |
| Net charge-offs to loans | -0.0079% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.0505% | 1,345 |
| Assets per employee ($millions) | 4.8335% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 291 |
| Loan loss allowance to noncurrent loans | 209.4804% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 794 |
| Noncurrent loans to loans | 1.0378% | 712 |
| Net loans and leases to total assets | 62.9200% | 2,583 |
| Net loans and leases to deposits | 70.1164% | 2,884 |
| Net loans and leases to core deposits | 74.6499% | 3,044 |
| Total domestic deposits to total assets | 89.7400% | 829 |
| Equity capital to assets | 7.7012% | 3,602 |
| Core capital (leverage) ratio | 8.8485% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0449% | 1,523 |
| Memoranda: | ||
| Average total assets | $162,457,600 | 3,256 |
| Average earning assets | $150,547,800 | 3,246 |
| Average equity | $11,807,200 | 3,545 |
| Average total loans | $100,674,400 | 3,166 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0193% | 1,792 |
| Cost of funding earning assets | 0.8460% | 3,411 |
| Net interest margin | 4.1733% | 956 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.0981% | 930 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.7110% | 3,294 |
| Return on assets (ROA) | 0.7474% | 3,174 |
| Pretax return on assets | 1.0297% | 2,770 |
| Return on Equity (ROE) | 10.4400% | 2,522 |
| Retained earnings to average equity (ytd only) | 10.4410% | 1,280 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.9599% | 1,454 |
| Assets per employee ($millions) | 4.4663% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2235% | 285 |
| Loan loss allowance to noncurrent loans | 210.2847% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 868 |
| Noncurrent loans to loans | 1.0574% | 755 |
| Net loans and leases to total assets | 60.9400% | 2,753 |
| Net loans and leases to deposits | 67.2811% | 3,037 |
| Net loans and leases to core deposits | 71.5344% | 3,128 |
| Total domestic deposits to total assets | 90.5700% | 783 |
| Equity capital to assets | 7.0128% | 3,604 |
| Core capital (leverage) ratio | 8.6989% | 4,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9035% | 1,592 |
| Memoranda: | ||
| Average total assets | $161,987,500 | 3,265 |
| Average earning assets | $150,030,500 | 3,261 |
| Average equity | $11,595,000 | 3,565 |
| Average total loans | $99,418,000 | 3,184 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 1,749 |
| Cost of funding earning assets | 0.7454% | 3,363 |
| Net interest margin | 4.1604% | 985 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 3.1051% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8139% | 3,038 |
| Return on assets (ROA) | 0.8689% | 2,851 |
| Pretax return on assets | 1.1995% | 2,359 |
| Return on Equity (ROE) | 12.0500% | 2,143 |
| Retained earnings to average equity (ytd only) | 12.0548% | 977 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.3196% | 1,427 |
| Assets per employee ($millions) | 4.7242% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0948% | 363 |
| Loan loss allowance to noncurrent loans | 1,771.1864% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0735% | 3,033 |
| Noncurrent loans to loans | 0.1183% | 2,886 |
| Net loans and leases to total assets | 60.8100% | 2,695 |
| Net loans and leases to deposits | 67.4849% | 2,950 |
| Net loans and leases to core deposits | 69.8240% | 3,141 |
| Total domestic deposits to total assets | 90.1100% | 898 |
| Equity capital to assets | 7.3893% | 3,583 |
| Core capital (leverage) ratio | 8.8023% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3228% | 1,483 |
| Memoranda: | ||
| Average total assets | $160,898,667 | 3,283 |
| Average earning assets | $149,455,000 | 3,276 |
| Average equity | $11,597,000 | 3,578 |
| Average total loans | $98,227,667 | 3,196 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 1,637 |
| Cost of funding earning assets | 0.6240% | 3,309 |
| Net interest margin | 4.1704% | 996 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 3.0180% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8762% | 2,939 |
| Return on assets (ROA) | 0.9861% | 2,542 |
| Pretax return on assets | 1.3637% | 1,977 |
| Return on Equity (ROE) | 13.8600% | 1,805 |
| Retained earnings to average equity (ytd only) | 13.8557% | 958 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.0942% | 1,629 |
| Assets per employee ($millions) | 4.4898% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1269% | 363 |
| Loan loss allowance to noncurrent loans | 1,421.7687% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 2,879 |
| Noncurrent loans to loans | 0.1496% | 2,746 |
| Net loans and leases to total assets | 61.2000% | 2,540 |
| Net loans and leases to deposits | 67.9624% | 2,768 |
| Net loans and leases to core deposits | 69.3103% | 2,997 |
| Total domestic deposits to total assets | 90.0500% | 1,141 |
| Equity capital to assets | 7.5028% | 3,554 |
| Core capital (leverage) ratio | 8.5130% | 4,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1154% | 1,596 |
| Memoranda: | ||
| Average total assets | $161,036,000 | 3,328 |
| Average earning assets | $150,008,500 | 3,318 |
| Average equity | $11,461,000 | 3,623 |
| Average total loans | $97,456,000 | 3,238 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 2,326 |
| Cost of funding earning assets | 0.2690% | 3,163 |
| Net interest margin | 3.5117% | 1,895 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.6598% | 1,653 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.6398% | 3,782 |
| Return on assets (ROA) | 0.6398% | 3,732 |
| Pretax return on assets | 0.8931% | 3,378 |
| Return on Equity (ROE) | 8.7000% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.1469% | 3,344 |
| Net charge-offs to loans | -0.0031% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 73.2931% | 1,286 |
| Assets per employee ($millions) | 4.9979% | 3,680 |
| Cash dividends to net income (ytd only)* | 52.3311% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 432 |
| Loan loss allowance to noncurrent loans | 198.4584% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5899% | 848 |
| Noncurrent loans to loans | 1.0068% | 723 |
| Net loans and leases to total assets | 57.4300% | 2,878 |
| Net loans and leases to deposits | 63.1714% | 3,100 |
| Net loans and leases to core deposits | 65.3173% | 3,179 |
| Total domestic deposits to total assets | 90.9100% | 991 |
| Equity capital to assets | 6.7495% | 3,789 |
| Core capital (leverage) ratio | 7.9243% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5769% | 1,769 |
| Memoranda: | ||
| Average total assets | $164,259,800 | 3,313 |
| Average earning assets | $152,434,400 | 3,303 |
| Average equity | $12,081,200 | 3,661 |
| Average total loans | $96,764,000 | 3,200 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 2,462 |
| Cost of funding earning assets | 0.2017% | 3,251 |
| Net interest margin | 3.3500% | 2,139 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.6155% | 1,680 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5663% | 3,923 |
| Return on assets (ROA) | 0.5663% | 3,878 |
| Pretax return on assets | 0.7914% | 3,602 |
| Return on Equity (ROE) | 7.5400% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.5440% | 2,170 |
| Net charge-offs to loans | -0.0014% | 3,214 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.9825% | 1,176 |
| Assets per employee ($millions) | 5.2119% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0579% | 451 |
| Loan loss allowance to noncurrent loans | 195.4825% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9234% | 500 |
| Noncurrent loans to loans | 1.0527% | 726 |
| Net loans and leases to total assets | 54.3300% | 3,066 |
| Net loans and leases to deposits | 59.7018% | 3,224 |
| Net loans and leases to core deposits | 61.7010% | 3,257 |
| Total domestic deposits to total assets | 91.0100% | 1,239 |
| Equity capital to assets | 6.8665% | 3,584 |
| Core capital (leverage) ratio | 8.4380% | 4,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2385% | 1,638 |
| Memoranda: | ||
| Average total assets | $164,092,250 | 3,339 |
| Average earning assets | $152,036,000 | 3,328 |
| Average equity | $12,318,500 | 3,681 |
| Average total loans | $96,793,250 | 3,208 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4198% | 2,373 |
| Cost of funding earning assets | 0.1816% | 3,160 |
| Net interest margin | 3.2382% | 2,082 |
| Noninterest income to average assets | 0.3824% | 2,853 |
| Noninterest expense to average assets | 2.5687% | 1,730 |
| Loan and lease loss provision to assets | 0.0919% | 1,080 |
| Net operating income to assets | 0.5123% | 3,862 |
| Return on assets (ROA) | 0.5123% | 3,819 |
| Pretax return on assets | 0.7157% | 3,537 |
| Return on Equity (ROE) | 6.6311% | 3,419 |
| Retained earnings to average equity (ytd only) | 6.6311% | 2,123 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0799% | 1,275 |
| Assets per employee ($millions) | 5.0116% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0033% | 548 |
| Loan loss allowance to noncurrent loans | 157.8151% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.0538% | 432 |
| Noncurrent loans to loans | 1.2694% | 624 |
| Net loans and leases to total assets | 57.2834% | 2,601 |
| Net loans and leases to deposits | 63.3471% | 2,780 |
| Net loans and leases to core deposits | 65.1532% | 2,886 |
| Total domestic deposits to total assets | 90.4278% | 1,503 |
| Equity capital to assets | 7.4022% | 3,530 |
| Core capital (leverage) ratio | 8.4345% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3878% | 1,605 |
| Memoranda: | ||
| Average total assets | $163,196,333 | 3,382 |
| Average earning assets | $150,884,000 | 3,390 |
| Average equity | $12,607,333 | 3,721 |
| Average total loans | $98,217,667 | 3,207 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4960% | 1,825 |
| Cost of funding earning assets | 0.1864% | 2,992 |
| Net interest margin | 3.3096% | 1,544 |
| Noninterest income to average assets | 0.3572% | 2,951 |
| Noninterest expense to average assets | 2.5977% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5589% | 3,530 |
| Return on assets (ROA) | 0.5589% | 3,505 |
| Pretax return on assets | 0.7800% | 3,172 |
| Return on Equity (ROE) | 7.0903% | 3,007 |
| Retained earnings to average equity (ytd only) | 7.0903% | 1,862 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9065% | 1,421 |
| Assets per employee ($millions) | 5.0612% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 814 |
| Loan loss allowance to noncurrent loans | 158.9947% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0509% | 466 |
| Noncurrent loans to loans | 1.1604% | 762 |
| Net loans and leases to total assets | 59.2268% | 2,160 |
| Net loans and leases to deposits | 65.9095% | 2,343 |
| Net loans and leases to core deposits | 67.3345% | 2,505 |
| Total domestic deposits to total assets | 89.8609% | 1,650 |
| Equity capital to assets | 7.7088% | 3,794 |
| Core capital (leverage) ratio | 8.1770% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6521% | 1,936 |
| Memoranda: | ||
| Average total assets | $164,609,000 | 3,384 |
| Average earning assets | $150,230,500 | 3,404 |
| Average equity | $12,975,500 | 3,758 |
| Average total loans | $100,454,500 | 3,180 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4063% | 2,913 |
| Cost of funding earning assets | 0.2442% | 3,004 |
| Net interest margin | 3.1621% | 2,702 |
| Noninterest income to average assets | 0.3370% | 3,398 |
| Noninterest expense to average assets | 2.4567% | 2,317 |
| Loan and lease loss provision to assets | 0.6862% | 68 |
| Net operating income to assets | 0.1060% | 4,619 |
| Return on assets (ROA) | 0.1060% | 4,626 |
| Pretax return on assets | 0.1452% | 4,608 |
| Return on Equity (ROE) | 1.2953% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.2953% | 4,175 |
| Net charge-offs to loans | 1.1384% | 54 |
| Credit loss provision to net charge-offs | 91.3540% | 1,868 |
| Earnings coverage of net charge-offs (x) | 1.1069% | 2,628 |
| Efficiency ratio | 74.7159% | 1,234 |
| Assets per employee ($millions) | 5.1627% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4531% | 102 |
| Loan loss allowance to noncurrent loans | 121.8824% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 2.1446% | 142 |
| Noncurrent loans to loans | 2.8331% | 217 |
| Net loans and leases to total assets | 61.3668% | 2,021 |
| Net loans and leases to deposits | 68.3801% | 2,271 |
| Net loans and leases to core deposits | 70.3170% | 2,412 |
| Total domestic deposits to total assets | 89.7437% | 1,087 |
| Equity capital to assets | 8.1511% | 4,273 |
| Core capital (leverage) ratio | 8.1394% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3227% | 2,117 |
| Memoranda: | ||
| Average total assets | $163,228,000 | 3,363 |
| Average earning assets | $152,336,400 | 3,357 |
| Average equity | $13,355,600 | 3,799 |
| Average total loans | $107,695,400 | 3,110 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3601% | 3,219 |
| Cost of funding earning assets | 0.2538% | 3,084 |
| Net interest margin | 3.1064% | 3,042 |
| Noninterest income to average assets | 0.3400% | 3,410 |
| Noninterest expense to average assets | 2.3949% | 2,455 |
| Loan and lease loss provision to assets | 0.9174% | 44 |
| Net operating income to assets | -0.0360% | 4,755 |
| Return on assets (ROA) | -0.0360% | 4,765 |
| Pretax return on assets | -0.0541% | 4,765 |
| Return on Equity (ROE) | -0.4402% | 4,769 |
| Retained earnings to average equity (ytd only) | -0.4402% | 4,609 |
| Net charge-offs to loans | 1.4309% | 42 |
| Credit loss provision to net charge-offs | 96.3027% | 1,629 |
| Earnings coverage of net charge-offs (x) | 0.9063% | 2,391 |
| Efficiency ratio | 73.4976% | 1,261 |
| Assets per employee ($millions) | 5.2656% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3622% | 115 |
| Loan loss allowance to noncurrent loans | 125.9904% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 2.1330% | 165 |
| Noncurrent loans to loans | 2.6686% | 269 |
| Net loans and leases to total assets | 62.9277% | 1,899 |
| Net loans and leases to deposits | 69.9194% | 2,254 |
| Net loans and leases to core deposits | 72.1252% | 2,415 |
| Total domestic deposits to total assets | 90.0005% | 774 |
| Equity capital to assets | 7.9627% | 4,539 |
| Core capital (leverage) ratio | 7.8780% | 4,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7857% | 2,436 |
| Memoranda: | ||
| Average total assets | $162,733,750 | 3,405 |
| Average earning assets | $152,887,250 | 3,380 |
| Average equity | $13,328,000 | 3,850 |
| Average total loans | $108,367,500 | 3,139 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3387% | 3,334 |
| Cost of funding earning assets | 0.2714% | 3,075 |
| Net interest margin | 3.0673% | 3,122 |
| Noninterest income to average assets | 0.3433% | 3,392 |
| Noninterest expense to average assets | 2.3692% | 2,556 |
| Loan and lease loss provision to assets | 1.3929% | 20 |
| Net operating income to assets | -0.3818% | 4,855 |
| Return on assets (ROA) | -0.3818% | 4,859 |
| Pretax return on assets | -0.5373% | 4,871 |
| Return on Equity (ROE) | -4.6171% | 4,878 |
| Retained earnings to average equity (ytd only) | -4.6171% | 4,781 |
| Net charge-offs to loans | -0.0037% | 3,339 |
| Credit loss provision to net charge-offs | -56,000.0000% | 4,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4670% | 1,289 |
| Assets per employee ($millions) | 5.3491% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4334% | 51 |
| Loan loss allowance to noncurrent loans | 117.7869% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.8917% | 100 |
| Noncurrent loans to loans | 3.7639% | 154 |
| Net loans and leases to total assets | 63.1006% | 2,049 |
| Net loans and leases to deposits | 70.1568% | 2,389 |
| Net loans and leases to core deposits | 72.4061% | 2,573 |
| Total domestic deposits to total assets | 89.9422% | 808 |
| Equity capital to assets | 7.9984% | 4,536 |
| Core capital (leverage) ratio | 7.9235% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2303% | 2,276 |
| Memoranda: | ||
| Average total assets | $160,812,333 | 3,428 |
| Average earning assets | $151,076,000 | 3,402 |
| Average equity | $13,298,333 | 3,864 |
| Average total loans | $107,916,333 | 3,154 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4311% | 3,119 |
| Cost of funding earning assets | 0.3068% | 2,918 |
| Net interest margin | 3.1243% | 2,916 |
| Noninterest income to average assets | 0.3512% | 3,337 |
| Noninterest expense to average assets | 2.3675% | 2,602 |
| Loan and lease loss provision to assets | 2.8299% | 7 |
| Net operating income to assets | -1.3720% | 4,939 |
| Return on assets (ROA) | -1.3720% | 4,939 |
| Pretax return on assets | -1.9127% | 4,950 |
| Return on Equity (ROE) | -16.3112% | 4,954 |
| Retained earnings to average equity (ytd only) | -16.3112% | 4,890 |
| Net charge-offs to loans | -0.0075% | 3,547 |
| Credit loss provision to net charge-offs | -56,000.0000% | 3,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0769% | 1,487 |
| Assets per employee ($millions) | 5.2748% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3776% | 61 |
| Loan loss allowance to noncurrent loans | 116.5986% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 2.9807% | 99 |
| Noncurrent loans to loans | 3.7544% | 157 |
| Net loans and leases to total assets | 64.8420% | 1,937 |
| Net loans and leases to deposits | 72.0942% | 2,307 |
| Net loans and leases to core deposits | 75.2160% | 2,411 |
| Total domestic deposits to total assets | 89.9406% | 848 |
| Equity capital to assets | 7.9398% | 4,525 |
| Core capital (leverage) ratio | 8.0999% | 4,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1252% | 2,238 |
| Memoranda: | ||
| Average total assets | $158,308,000 | 3,455 |
| Average earning assets | $148,640,000 | 3,432 |
| Average equity | $13,316,000 | 3,869 |
| Average total loans | $107,130,500 | 3,164 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 3,048 |
| Cost of funding earning assets | 0.6347% | 2,089 |
| Net interest margin | 3.2570% | 3,186 |
| Noninterest income to average assets | 0.4068% | 3,056 |
| Noninterest expense to average assets | 2.8665% | 1,769 |
| Loan and lease loss provision to assets | 0.2263% | 1,729 |
| Net operating income to assets | 0.2707% | 4,478 |
| Return on assets (ROA) | 0.2707% | 4,542 |
| Pretax return on assets | 0.3743% | 4,454 |
| Return on Equity (ROE) | 2.8706% | 4,411 |
| Retained earnings to average equity (ytd only) | 2.8706% | 3,433 |
| Net charge-offs to loans | 0.2721% | 630 |
| Credit loss provision to net charge-offs | 115.8845% | 2,677 |
| Earnings coverage of net charge-offs (x) | 3.0758% | 3,115 |
| Efficiency ratio | 82.6759% | 707 |
| Assets per employee ($millions) | 4.9386% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6101% | 83 |
| Loan loss allowance to noncurrent loans | 122.3206% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 2.4631% | 185 |
| Noncurrent loans to loans | 2.9513% | 289 |
| Net loans and leases to total assets | 65.0868% | 2,214 |
| Net loans and leases to deposits | 73.2724% | 2,567 |
| Net loans and leases to core deposits | 76.6608% | 2,661 |
| Total domestic deposits to total assets | 88.8287% | 1,059 |
| Equity capital to assets | 8.9153% | 4,128 |
| Core capital (leverage) ratio | 8.2574% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0731% | 1,827 |
| Memoranda: | ||
| Average total assets | $141,846,800 | 3,492 |
| Average earning assets | $133,284,200 | 3,467 |
| Average equity | $13,376,800 | 3,826 |
| Average total loans | $101,785,400 | 3,199 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 3,240 |
| Cost of funding earning assets | 0.6954% | 2,049 |
| Net interest margin | 3.2080% | 3,465 |
| Noninterest income to average assets | 0.3798% | 3,185 |
| Noninterest expense to average assets | 2.8587% | 1,805 |
| Loan and lease loss provision to assets | 0.2596% | 1,561 |
| Net operating income to assets | 0.2014% | 4,592 |
| Return on assets (ROA) | 0.2014% | 4,635 |
| Pretax return on assets | 0.2781% | 4,570 |
| Return on Equity (ROE) | 2.1038% | 4,538 |
| Retained earnings to average equity (ytd only) | 2.1038% | 3,894 |
| Net charge-offs to loans | 0.3130% | 506 |
| Credit loss provision to net charge-offs | 113.8655% | 2,523 |
| Earnings coverage of net charge-offs (x) | 2.3571% | 3,000 |
| Efficiency ratio | 84.1615% | 592 |
| Assets per employee ($millions) | 4.9182% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5191% | 91 |
| Loan loss allowance to noncurrent loans | 99.7587% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 2.8917% | 160 |
| Noncurrent loans to loans | 3.5277% | 225 |
| Net loans and leases to total assets | 64.8204% | 2,658 |
| Net loans and leases to deposits | 75.3295% | 2,814 |
| Net loans and leases to core deposits | 78.9779% | 2,925 |
| Total domestic deposits to total assets | 86.0491% | 2,046 |
| Equity capital to assets | 8.5684% | 4,428 |
| Core capital (leverage) ratio | 8.4239% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4080% | 1,691 |
| Memoranda: | ||
| Average total assets | $139,034,250 | 3,512 |
| Average earning assets | $130,752,500 | 3,490 |
| Average equity | $13,308,750 | 3,838 |
| Average total loans | $101,387,250 | 3,217 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 2,967 |
| Cost of funding earning assets | 0.7595% | 2,056 |
| Net interest margin | 3.3714% | 3,185 |
| Noninterest income to average assets | 0.3611% | 3,319 |
| Noninterest expense to average assets | 2.8875% | 1,862 |
| Loan and lease loss provision to assets | 0.4078% | 984 |
| Net operating income to assets | 0.1685% | 4,607 |
| Return on assets (ROA) | 0.1685% | 4,650 |
| Pretax return on assets | 0.2317% | 4,605 |
| Return on Equity (ROE) | 1.6906% | 4,587 |
| Retained earnings to average equity (ytd only) | 1.6906% | 3,876 |
| Net charge-offs to loans | 0.3402% | 477 |
| Credit loss provision to net charge-offs | 159.4118% | 2,083 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 2,770 |
| Efficiency ratio | 81.8686% | 762 |
| Assets per employee ($millions) | 4.7297% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6046% | 82 |
| Loan loss allowance to noncurrent loans | 93.6712% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 3.2260% | 135 |
| Noncurrent loans to loans | 3.8481% | 182 |
| Net loans and leases to total assets | 69.1093% | 2,168 |
| Net loans and leases to deposits | 81.2529% | 2,287 |
| Net loans and leases to core deposits | 84.9219% | 2,530 |
| Total domestic deposits to total assets | 85.0546% | 2,374 |
| Equity capital to assets | 9.1243% | 3,981 |
| Core capital (leverage) ratio | 8.9830% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3328% | 1,682 |
| Memoranda: | ||
| Average total assets | $132,918,667 | 3,562 |
| Average earning assets | $124,816,000 | 3,534 |
| Average equity | $13,250,000 | 3,848 |
| Average total loans | $99,937,667 | 3,233 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 2,703 |
| Cost of funding earning assets | 0.8607% | 2,056 |
| Net interest margin | 3.5139% | 2,933 |
| Noninterest income to average assets | 0.4188% | 2,976 |
| Noninterest expense to average assets | 3.0079% | 1,873 |
| Loan and lease loss provision to assets | 0.8599% | 273 |
| Net operating income to assets | -0.1111% | 4,807 |
| Return on assets (ROA) | -0.1111% | 4,793 |
| Pretax return on assets | -0.1586% | 4,793 |
| Return on Equity (ROE) | -1.0617% | 4,804 |
| Retained earnings to average equity (ytd only) | -1.0617% | 4,148 |
| Net charge-offs to loans | 0.0082% | 2,267 |
| Credit loss provision to net charge-offs | 13,550.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 110.5000% | 538 |
| Efficiency ratio | 81.0950% | 1,033 |
| Assets per employee ($millions) | 4.2614% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0336% | 72 |
| Loan loss allowance to noncurrent loans | 85.0602% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 4.3257% | 87 |
| Noncurrent loans to loans | 4.7420% | 141 |
| Net loans and leases to total assets | 73.6417% | 1,670 |
| Net loans and leases to deposits | 85.5063% | 2,054 |
| Net loans and leases to core deposits | 89.2023% | 2,426 |
| Total domestic deposits to total assets | 86.1243% | 1,957 |
| Equity capital to assets | 10.3299% | 3,491 |
| Core capital (leverage) ratio | 10.0008% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3921% | 2,116 |
| Memoranda: | ||
| Average total assets | $126,068,000 | 3,625 |
| Average earning assets | $118,044,000 | 3,603 |
| Average equity | $13,186,000 | 3,863 |
| Average total loans | $97,348,000 | 3,258 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7907% | 2,071 |
| Cost of funding earning assets | 0.8967% | 2,203 |
| Net interest margin | 3.8941% | 2,198 |
| Noninterest income to average assets | 0.4180% | 3,188 |
| Noninterest expense to average assets | 2.9911% | 2,044 |
| Loan and lease loss provision to assets | 1.9777% | 43 |
| Net operating income to assets | -0.6488% | 5,064 |
| Return on assets (ROA) | -0.6488% | 5,072 |
| Pretax return on assets | -0.9092% | 5,085 |
| Return on Equity (ROE) | -5.7574% | 5,084 |
| Retained earnings to average equity (ytd only) | -5.7574% | 4,999 |
| Net charge-offs to loans | 0.4006% | 484 |
| Credit loss provision to net charge-offs | 640.4255% | 488 |
| Earnings coverage of net charge-offs (x) | 3.4601% | 3,320 |
| Efficiency ratio | 73.6800% | 1,641 |
| Assets per employee ($millions) | 4.6035% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8180% | 69 |
| Loan loss allowance to noncurrent loans | 104.3281% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 3.5505% | 123 |
| Noncurrent loans to loans | 3.6596% | 216 |
| Net loans and leases to total assets | 74.7470% | 1,626 |
| Net loans and leases to deposits | 85.5378% | 2,150 |
| Net loans and leases to core deposits | 89.5057% | 2,466 |
| Total domestic deposits to total assets | 87.3847% | 1,414 |
| Equity capital to assets | 10.5926% | 3,354 |
| Core capital (leverage) ratio | 10.0664% | 3,439 |
| Tier 1 risk-based capital ratio | 13.5076% | 3,522 |
| Total risk-based capital ratio | 14.7912% | 3,399 |
| Memoranda: | ||
| Average total assets | $121,760,600 | 3,671 |
| Average earning assets | $113,865,400 | 3,652 |
| Average equity | $13,721,400 | 3,785 |
| Average total loans | $93,867,000 | 3,322 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 1,962 |
| Cost of funding earning assets | 0.8783% | 2,327 |
| Net interest margin | 3.9736% | 2,043 |
| Noninterest income to average assets | 0.4579% | 2,972 |
| Noninterest expense to average assets | 2.9269% | 2,173 |
| Loan and lease loss provision to assets | 2.2961% | 38 |
| Net operating income to assets | -0.7496% | 5,159 |
| Return on assets (ROA) | -0.7496% | 5,163 |
| Pretax return on assets | -1.0501% | 5,178 |
| Return on Equity (ROE) | -6.5510% | 5,170 |
| Retained earnings to average equity (ytd only) | -6.5510% | 5,098 |
| Net charge-offs to loans | 0.2318% | 764 |
| Credit loss provision to net charge-offs | 1,287.6543% | 281 |
| Earnings coverage of net charge-offs (x) | 6.9878% | 2,787 |
| Efficiency ratio | 70.1398% | 2,092 |
| Assets per employee ($millions) | 4.6323% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7260% | 80 |
| Loan loss allowance to noncurrent loans | 94.4371% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 3.8490% | 112 |
| Noncurrent loans to loans | 3.9455% | 176 |
| Net loans and leases to total assets | 73.9998% | 1,820 |
| Net loans and leases to deposits | 84.6911% | 2,353 |
| Net loans and leases to core deposits | 89.3843% | 2,599 |
| Total domestic deposits to total assets | 87.3761% | 1,325 |
| Equity capital to assets | 10.6115% | 3,456 |
| Core capital (leverage) ratio | 10.2304% | 3,387 |
| Tier 1 risk-based capital ratio | 13.3001% | 3,685 |
| Total risk-based capital ratio | 14.5816% | 3,568 |
| Memoranda: | ||
| Average total assets | $121,127,250 | 3,719 |
| Average earning assets | $113,243,250 | 3,694 |
| Average equity | $13,860,250 | 3,804 |
| Average total loans | $93,185,250 | 3,374 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 1,808 |
| Cost of funding earning assets | 0.8361% | 2,472 |
| Net interest margin | 4.0454% | 1,778 |
| Noninterest income to average assets | 0.4390% | 3,016 |
| Noninterest expense to average assets | 2.9563% | 2,122 |
| Loan and lease loss provision to assets | 0.3606% | 353 |
| Net operating income to assets | 0.6577% | 4,138 |
| Return on assets (ROA) | 0.6577% | 4,192 |
| Pretax return on assets | 0.9181% | 3,794 |
| Return on Equity (ROE) | 5.6060% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.6060% | 2,469 |
| Net charge-offs to loans | 0.1301% | 1,156 |
| Credit loss provision to net charge-offs | 360.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 12.7667% | 2,132 |
| Efficiency ratio | 69.8069% | 2,256 |
| Assets per employee ($millions) | 4.3812% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8970% | 565 |
| Loan loss allowance to noncurrent loans | 111.5077% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.9442% | 485 |
| Noncurrent loans to loans | 1.7012% | 895 |
| Net loans and leases to total assets | 76.3876% | 1,493 |
| Net loans and leases to deposits | 87.6750% | 2,043 |
| Net loans and leases to core deposits | 92.6774% | 2,349 |
| Total domestic deposits to total assets | 87.1259% | 1,534 |
| Equity capital to assets | 11.6758% | 2,466 |
| Core capital (leverage) ratio | 11.2508% | 2,378 |
| Tier 1 risk-based capital ratio | 14.6299% | 3,006 |
| Total risk-based capital ratio | 15.8891% | 2,925 |
| Memoranda: | ||
| Average total assets | $119,812,330 | 3,766 |
| Average earning assets | $112,423,000 | 3,732 |
| Average equity | $14,056,330 | 3,780 |
| Average total loans | $92,202,000 | 3,406 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 1,552 |
| Cost of funding earning assets | 0.7866% | 2,615 |
| Net interest margin | 4.1315% | 1,477 |
| Noninterest income to average assets | 0.3852% | 3,292 |
| Noninterest expense to average assets | 2.9903% | 2,017 |
| Loan and lease loss provision to assets | 0.2298% | 664 |
| Net operating income to assets | 0.7400% | 3,803 |
| Return on assets (ROA) | 0.7400% | 3,854 |
| Pretax return on assets | 1.0339% | 3,331 |
| Return on Equity (ROE) | 6.2917% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.2917% | 2,323 |
| Net charge-offs to loans | 0.0044% | 2,551 |
| Credit loss provision to net charge-offs | 6,800.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 374.0000% | 207 |
| Efficiency ratio | 70.2939% | 2,291 |
| Assets per employee ($millions) | 4.5116% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 588 |
| Loan loss allowance to noncurrent loans | 135.9621% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 707 |
| Noncurrent loans to loans | 1.3999% | 1,157 |
| Net loans and leases to total assets | 72.9448% | 1,998 |
| Net loans and leases to deposits | 83.6160% | 2,428 |
| Net loans and leases to core deposits | 87.6691% | 2,722 |
| Total domestic deposits to total assets | 87.2379% | 1,697 |
| Equity capital to assets | 11.5586% | 2,346 |
| Core capital (leverage) ratio | 11.3435% | 2,248 |
| Tier 1 risk-based capital ratio | 15.1879% | 2,799 |
| Total risk-based capital ratio | 16.4465% | 2,707 |
| Memoranda: | ||
| Average total assets | $118,382,000 | 3,834 |
| Average earning assets | $110,854,500 | 3,803 |
| Average equity | $13,923,000 | 3,814 |
| Average total loans | $90,543,500 | 3,478 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 1,489 |
| Cost of funding earning assets | 0.4837% | 3,456 |
| Net interest margin | 4.3406% | 1,061 |
| Noninterest income to average assets | 0.7264% | 1,747 |
| Noninterest expense to average assets | 3.1499% | 1,677 |
| Loan and lease loss provision to assets | 0.0708% | 2,722 |
| Net operating income to assets | 1.1281% | 2,484 |
| Return on assets (ROA) | 1.1281% | 2,484 |
| Pretax return on assets | 1.5714% | 1,550 |
| Return on Equity (ROE) | 9.7122% | 2,637 |
| Retained earnings to average equity (ytd only) | 9.7122% | 677 |
| Net charge-offs to loans | 0.2683% | 716 |
| Credit loss provision to net charge-offs | 34.0426% | 3,325 |
| Earnings coverage of net charge-offs (x) | 7.8979% | 2,942 |
| Efficiency ratio | 65.7312% | 2,904 |
| Assets per employee ($millions) | 4.2574% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8308% | 649 |
| Loan loss allowance to noncurrent loans | 127.6579% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.8069% | 573 |
| Noncurrent loans to loans | 1.4342% | 1,084 |
| Net loans and leases to total assets | 77.2936% | 1,392 |
| Net loans and leases to deposits | 89.1226% | 1,913 |
| Net loans and leases to core deposits | 92.0381% | 2,406 |
| Total domestic deposits to total assets | 86.7273% | 1,904 |
| Equity capital to assets | 11.9756% | 1,917 |
| Core capital (leverage) ratio | 11.4398% | 2,148 |
| Tier 1 risk-based capital ratio | 14.8062% | 2,923 |
| Total risk-based capital ratio | 16.0646% | 2,844 |
| Memoranda: | ||
| Average total assets | $113,018,000 | 3,898 |
| Average earning assets | $105,861,600 | 3,879 |
| Average equity | $13,127,800 | 3,866 |
| Average total loans | $87,579,600 | 3,525 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 1,611 |
| Cost of funding earning assets | 0.4383% | 3,610 |
| Net interest margin | 4.2845% | 1,154 |
| Noninterest income to average assets | 0.8140% | 1,426 |
| Noninterest expense to average assets | 3.1954% | 1,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1741% | 2,342 |
| Return on assets (ROA) | 1.1741% | 2,346 |
| Pretax return on assets | 1.6374% | 1,459 |
| Return on Equity (ROE) | 10.1887% | 2,537 |
| Retained earnings to average equity (ytd only) | 10.1887% | 860 |
| Net charge-offs to loans | 0.3531% | 459 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 6.0087% | 2,924 |
| Efficiency ratio | 66.1191% | 2,852 |
| Assets per employee ($millions) | 4.0447% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 755 |
| Loan loss allowance to noncurrent loans | 148.5902% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.7519% | 683 |
| Noncurrent loans to loans | 1.1974% | 1,412 |
| Net loans and leases to total assets | 77.0651% | 1,492 |
| Net loans and leases to deposits | 88.7990% | 2,049 |
| Net loans and leases to core deposits | 91.4959% | 2,527 |
| Total domestic deposits to total assets | 86.7860% | 1,830 |
| Equity capital to assets | 11.8648% | 1,995 |
| Core capital (leverage) ratio | 11.2590% | 2,372 |
| Tier 1 risk-based capital ratio | 14.4607% | 3,147 |
| Total risk-based capital ratio | 15.7175% | 3,060 |
| Memoranda: | ||
| Average total assets | $112,535,000 | 3,947 |
| Average earning assets | $105,555,750 | 3,926 |
| Average equity | $12,968,250 | 3,916 |
| Average total loans | $86,848,000 | 3,567 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,604 |
| Cost of funding earning assets | 0.4197% | 3,576 |
| Net interest margin | 4.2425% | 1,184 |
| Noninterest income to average assets | 0.9439% | 1,068 |
| Noninterest expense to average assets | 3.2503% | 1,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2004% | 2,197 |
| Return on assets (ROA) | 1.2004% | 2,195 |
| Pretax return on assets | 1.6724% | 1,291 |
| Return on Equity (ROE) | 10.5214% | 2,324 |
| Retained earnings to average equity (ytd only) | 10.5214% | 787 |
| Net charge-offs to loans | 0.5361% | 275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.0649% | 2,825 |
| Efficiency ratio | 66.0275% | 2,976 |
| Assets per employee ($millions) | 3.9984% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7746% | 790 |
| Loan loss allowance to noncurrent loans | 82.7749% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 346 |
| Noncurrent loans to loans | 2.1439% | 661 |
| Net loans and leases to total assets | 78.1642% | 1,284 |
| Net loans and leases to deposits | 89.8836% | 1,853 |
| Net loans and leases to core deposits | 91.7102% | 2,424 |
| Total domestic deposits to total assets | 86.9616% | 1,854 |
| Equity capital to assets | 11.7289% | 2,036 |
| Core capital (leverage) ratio | 10.9776% | 2,547 |
| Tier 1 risk-based capital ratio | 13.8730% | 3,424 |
| Total risk-based capital ratio | 15.1298% | 3,334 |
| Memoranda: | ||
| Average total assets | $112,296,330 | 3,981 |
| Average earning assets | $105,314,330 | 3,963 |
| Average equity | $12,812,000 | 3,953 |
| Average total loans | $86,178,000 | 3,600 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5334% | 1,762 |
| Cost of funding earning assets | 0.4018% | 3,567 |
| Net interest margin | 4.1316% | 1,366 |
| Noninterest income to average assets | 0.5370% | 2,598 |
| Noninterest expense to average assets | 3.2543% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8358% | 3,573 |
| Return on assets (ROA) | 0.8358% | 3,587 |
| Pretax return on assets | 1.1594% | 2,938 |
| Return on Equity (ROE) | 7.4294% | 3,622 |
| Retained earnings to average equity (ytd only) | 7.4294% | 2,087 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7309% | 1,931 |
| Assets per employee ($millions) | 3.8118% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0973% | 456 |
| Loan loss allowance to noncurrent loans | 79.4737% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 2.8342% | 294 |
| Noncurrent loans to loans | 2.6390% | 490 |
| Net loans and leases to total assets | 76.5184% | 1,454 |
| Net loans and leases to deposits | 87.7802% | 1,958 |
| Net loans and leases to core deposits | 90.8793% | 2,382 |
| Total domestic deposits to total assets | 87.1705% | 2,058 |
| Equity capital to assets | 11.5060% | 2,127 |
| Core capital (leverage) ratio | 10.2435% | 3,250 |
| Tier 1 risk-based capital ratio | 13.6412% | 3,577 |
| Total risk-based capital ratio | 14.9027% | 3,479 |
| Memoranda: | ||
| Average total assets | $112,467,500 | 4,021 |
| Average earning assets | $105,528,500 | 3,996 |
| Average equity | $12,652,500 | 4,025 |
| Average total loans | $84,722,500 | 3,658 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1787% | 2,766 |
| Cost of funding earning assets | 0.3614% | 3,602 |
| Net interest margin | 3.8173% | 2,366 |
| Noninterest income to average assets | 0.4231% | 3,486 |
| Noninterest expense to average assets | 3.0310% | 2,069 |
| Loan and lease loss provision to assets | -0.0992% | 5,476 |
| Net operating income to assets | 0.2732% | 4,980 |
| Return on assets (ROA) | 0.2777% | 4,983 |
| Pretax return on assets | 1.0472% | 3,389 |
| Return on Equity (ROE) | 2.5336% | 4,939 |
| Retained earnings to average equity (ytd only) | 2.5336% | 3,812 |
| Net charge-offs to loans | 0.2154% | 1,204 |
| Credit loss provision to net charge-offs | -66.6667% | 4,666 |
| Earnings coverage of net charge-offs (x) | 6.3216% | 3,197 |
| Efficiency ratio | 76.3094% | 1,574 |
| Assets per employee ($millions) | 3.9446% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1807% | 385 |
| Loan loss allowance to noncurrent loans | 78.2289% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 2.7694% | 309 |
| Noncurrent loans to loans | 2.7875% | 426 |
| Net loans and leases to total assets | 71.0157% | 2,373 |
| Net loans and leases to deposits | 81.0288% | 2,814 |
| Net loans and leases to core deposits | 83.5179% | 3,100 |
| Total domestic deposits to total assets | 87.6426% | 1,679 |
| Equity capital to assets | 11.0024% | 2,619 |
| Core capital (leverage) ratio | 9.9205% | 3,555 |
| Tier 1 risk-based capital ratio | 13.9720% | 3,380 |
| Total risk-based capital ratio | 15.2386% | 3,273 |
| Memoranda: | ||
| Average total assets | $114,879,000 | 3,980 |
| Average earning assets | $106,803,600 | 3,966 |
| Average equity | $12,590,600 | 4,042 |
| Average total loans | $79,404,200 | 3,761 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 3,004 |
| Cost of funding earning assets | 0.3575% | 3,589 |
| Net interest margin | 3.7374% | 2,627 |
| Noninterest income to average assets | 0.4985% | 3,032 |
| Noninterest expense to average assets | 3.0028% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5993% | 4,397 |
| Return on assets (ROA) | 0.6052% | 4,412 |
| Pretax return on assets | 0.9716% | 3,798 |
| Return on Equity (ROE) | 5.5273% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.5273% | 2,524 |
| Net charge-offs to loans | 0.2905% | 734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.8539% | 3,174 |
| Efficiency ratio | 75.7310% | 1,630 |
| Assets per employee ($millions) | 3.9229% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4290% | 291 |
| Loan loss allowance to noncurrent loans | 61.7902% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 3.4659% | 225 |
| Noncurrent loans to loans | 3.9310% | 257 |
| Net loans and leases to total assets | 65.7391% | 3,139 |
| Net loans and leases to deposits | 74.9078% | 3,485 |
| Net loans and leases to core deposits | 78.6114% | 3,578 |
| Total domestic deposits to total assets | 87.7600% | 1,492 |
| Equity capital to assets | 10.9382% | 2,925 |
| Core capital (leverage) ratio | 9.4951% | 4,177 |
| Tier 1 risk-based capital ratio | 14.0036% | 3,438 |
| Total risk-based capital ratio | 15.2749% | 3,345 |
| Memoranda: | ||
| Average total assets | $115,000,500 | 4,017 |
| Average earning assets | $106,667,250 | 4,012 |
| Average equity | $12,591,750 | 4,084 |
| Average total loans | $78,493,250 | 3,810 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0246% | 3,119 |
| Cost of funding earning assets | 0.3524% | 3,556 |
| Net interest margin | 3.6722% | 2,749 |
| Noninterest income to average assets | 0.4855% | 3,111 |
| Noninterest expense to average assets | 2.9955% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5624% | 4,457 |
| Return on assets (ROA) | 0.5714% | 4,480 |
| Pretax return on assets | 0.9009% | 3,930 |
| Return on Equity (ROE) | 5.2168% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.2168% | 2,571 |
| Net charge-offs to loans | -0.0051% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1558% | 1,566 |
| Assets per employee ($millions) | 4.1451% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6397% | 238 |
| Loan loss allowance to noncurrent loans | 49.2030% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 4.7750% | 116 |
| Noncurrent loans to loans | 5.3649% | 129 |
| Net loans and leases to total assets | 66.7034% | 3,003 |
| Net loans and leases to deposits | 75.9797% | 3,350 |
| Net loans and leases to core deposits | 79.7885% | 3,438 |
| Total domestic deposits to total assets | 87.7911% | 1,569 |
| Equity capital to assets | 10.9389% | 2,879 |
| Core capital (leverage) ratio | 9.6418% | 3,970 |
| Tier 1 risk-based capital ratio | 13.6824% | 3,596 |
| Total risk-based capital ratio | 14.9574% | 3,501 |
| Memoranda: | ||
| Average total assets | $114,104,670 | 4,058 |
| Average earning assets | $105,550,330 | 4,058 |
| Average equity | $12,498,000 | 4,109 |
| Average total loans | $78,226,670 | 3,830 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0272% | 2,937 |
| Cost of funding earning assets | 0.3640% | 3,373 |
| Net interest margin | 3.6632% | 2,639 |
| Noninterest income to average assets | 0.4950% | 3,016 |
| Noninterest expense to average assets | 3.0974% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4981% | 4,606 |
| Return on assets (ROA) | 0.5162% | 4,562 |
| Pretax return on assets | 0.8062% | 4,089 |
| Return on Equity (ROE) | 4.7101% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.7101% | 3,049 |
| Net charge-offs to loans | -0.0103% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9270% | 1,391 |
| Assets per employee ($millions) | 4.0599% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7036% | 253 |
| Loan loss allowance to noncurrent loans | 53.4233% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 4.8879% | 124 |
| Noncurrent loans to loans | 5.0607% | 161 |
| Net loans and leases to total assets | 68.9102% | 2,549 |
| Net loans and leases to deposits | 78.9659% | 2,865 |
| Net loans and leases to core deposits | 83.2879% | 2,969 |
| Total domestic deposits to total assets | 87.2658% | 2,083 |
| Equity capital to assets | 11.3740% | 2,282 |
| Core capital (leverage) ratio | 9.4329% | 4,194 |
| Tier 1 risk-based capital ratio | 13.6357% | 3,694 |
| Total risk-based capital ratio | 14.9125% | 3,587 |
| Memoranda: | ||
| Average total assets | $113,125,500 | 4,109 |
| Average earning assets | $104,389,500 | 4,118 |
| Average equity | $12,399,000 | 4,147 |
| Average total loans | $77,581,500 | 3,869 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 3,030 |
| Cost of funding earning assets | 0.4004% | 2,994 |
| Net interest margin | 3.6479% | 2,895 |
| Noninterest income to average assets | 0.6610% | 2,364 |
| Noninterest expense to average assets | 3.0203% | 2,287 |
| Loan and lease loss provision to assets | 0.0018% | 4,309 |
| Net operating income to assets | 3.0051% | 81 |
| Return on assets (ROA) | 3.0051% | 81 |
| Pretax return on assets | 1.0346% | 3,346 |
| Return on Equity (ROE) | 32.6866% | 28 |
| Retained earnings to average equity (ytd only) | 32.6866% | 12 |
| Net charge-offs to loans | 0.3724% | 729 |
| Credit loss provision to net charge-offs | 0.6969% | 3,782 |
| Earnings coverage of net charge-offs (x) | 4.0209% | 3,572 |
| Efficiency ratio | 74.4521% | 2,233 |
| Assets per employee ($millions) | 4.1655% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7049% | 250 |
| Loan loss allowance to noncurrent loans | 52.4775% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 4.7800% | 135 |
| Noncurrent loans to loans | 5.1544% | 151 |
| Net loans and leases to total assets | 64.6721% | 3,263 |
| Net loans and leases to deposits | 74.1674% | 3,492 |
| Net loans and leases to core deposits | 78.4159% | 3,542 |
| Total domestic deposits to total assets | 87.1974% | 2,025 |
| Equity capital to assets | 10.5716% | 3,074 |
| Core capital (leverage) ratio | 9.2029% | 4,476 |
| Tier 1 risk-based capital ratio | 13.2655% | 3,915 |
| Total risk-based capital ratio | 14.5491% | 3,811 |
| Memoranda: | ||
| Average total assets | $111,344,800 | 4,140 |
| Average earning assets | $103,649,800 | 4,125 |
| Average equity | $10,236,600 | 4,530 |
| Average total loans | $77,072,200 | 3,876 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,021 |
| Cost of funding earning assets | 0.4051% | 2,970 |
| Net interest margin | 3.6489% | 2,894 |
| Noninterest income to average assets | 0.6835% | 2,249 |
| Noninterest expense to average assets | 2.9920% | 2,340 |
| Loan and lease loss provision to assets | 0.0012% | 4,177 |
| Net operating income to assets | 1.0955% | 2,019 |
| Return on assets (ROA) | 1.0955% | 2,120 |
| Pretax return on assets | 1.0955% | 3,249 |
| Return on Equity (ROE) | 12.4088% | 1,199 |
| Retained earnings to average equity (ytd only) | 12.4088% | 258 |
| Net charge-offs to loans | 0.4764% | 442 |
| Credit loss provision to net charge-offs | 0.3636% | 3,410 |
| Earnings coverage of net charge-offs (x) | 3.2909% | 3,443 |
| Efficiency ratio | 73.1772% | 2,411 |
| Assets per employee ($millions) | 3.9664% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7106% | 262 |
| Loan loss allowance to noncurrent loans | 49.2984% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 5.2765% | 132 |
| Noncurrent loans to loans | 5.4984% | 139 |
| Net loans and leases to total assets | 68.1266% | 2,787 |
| Net loans and leases to deposits | 76.9536% | 3,292 |
| Net loans and leases to core deposits | 81.3916% | 3,331 |
| Total domestic deposits to total assets | 88.5294% | 1,143 |
| Equity capital to assets | 9.1403% | 5,032 |
| Core capital (leverage) ratio | 8.8001% | 5,055 |
| Tier 1 risk-based capital ratio | 12.9681% | 4,186 |
| Total risk-based capital ratio | 14.2372% | 4,085 |
| Memoranda: | ||
| Average total assets | $110,022,750 | 4,192 |
| Average earning assets | $102,676,250 | 4,173 |
| Average equity | $9,713,250 | 4,673 |
| Average total loans | $76,958,750 | 3,904 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0283% | 3,148 |
| Cost of funding earning assets | 0.4071% | 2,964 |
| Net interest margin | 3.6211% | 3,014 |
| Noninterest income to average assets | 0.7422% | 1,963 |
| Noninterest expense to average assets | 2.9796% | 2,412 |
| Loan and lease loss provision to assets | 0.0018% | 3,997 |
| Net operating income to assets | 1.1342% | 1,828 |
| Return on assets (ROA) | 1.1342% | 1,945 |
| Pretax return on assets | 1.1342% | 3,064 |
| Return on Equity (ROE) | 13.0026% | 1,030 |
| Retained earnings to average equity (ytd only) | 13.0026% | 236 |
| Net charge-offs to loans | 0.2608% | 924 |
| Credit loss provision to net charge-offs | 1.0000% | 3,045 |
| Earnings coverage of net charge-offs (x) | 6.2300% | 2,770 |
| Efficiency ratio | 72.3970% | 2,595 |
| Assets per employee ($millions) | 4.0056% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9153% | 217 |
| Loan loss allowance to noncurrent loans | 52.9958% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 5.2516% | 135 |
| Noncurrent loans to loans | 5.5010% | 148 |
| Net loans and leases to total assets | 67.7568% | 2,813 |
| Net loans and leases to deposits | 76.2494% | 3,354 |
| Net loans and leases to core deposits | 79.6574% | 3,494 |
| Total domestic deposits to total assets | 88.8620% | 980 |
| Equity capital to assets | 8.8358% | 5,377 |
| Core capital (leverage) ratio | 8.8322% | 5,019 |
| Tier 1 risk-based capital ratio | 12.5664% | 4,467 |
| Total risk-based capital ratio | 13.8375% | 4,370 |
| Memoranda: | ||
| Average total assets | $109,677,670 | 4,234 |
| Average earning assets | $102,178,000 | 4,218 |
| Average equity | $9,567,330 | 4,728 |
| Average total loans | $76,689,000 | 3,933 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,301 |
| Cost of funding earning assets | 0.4172% | 2,883 |
| Net interest margin | 3.5603% | 3,238 |
| Noninterest income to average assets | 0.5865% | 2,610 |
| Noninterest expense to average assets | 2.9842% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9074% | 2,718 |
| Return on assets (ROA) | 0.9074% | 2,840 |
| Pretax return on assets | 0.9074% | 3,819 |
| Return on Equity (ROE) | 10.4725% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.4725% | 749 |
| Net charge-offs to loans | 0.2846% | 741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 2,414 |
| Efficiency ratio | 76.6825% | 2,085 |
| Assets per employee ($millions) | 4.2207% | 3,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0674% | 207 |
| Loan loss allowance to noncurrent loans | 47.4898% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 6.5246% | 101 |
| Noncurrent loans to loans | 6.4590% | 126 |
| Net loans and leases to total assets | 67.0099% | 2,806 |
| Net loans and leases to deposits | 75.4177% | 3,286 |
| Net loans and leases to core deposits | 79.6353% | 3,357 |
| Total domestic deposits to total assets | 88.8517% | 1,179 |
| Equity capital to assets | 8.6824% | 5,436 |
| Core capital (leverage) ratio | 8.6451% | 5,242 |
| Tier 1 risk-based capital ratio | 12.2740% | 4,735 |
| Total risk-based capital ratio | 13.5461% | 4,623 |
| Memoranda: | ||
| Average total assets | $108,438,000 | 4,293 |
| Average earning assets | $100,666,500 | 4,282 |
| Average equity | $9,396,000 | 4,781 |
| Average total loans | $75,895,500 | 3,971 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2051% | 2,544 |
| Cost of funding earning assets | 0.4740% | 2,405 |
| Net interest margin | 3.7311% | 2,641 |
| Noninterest income to average assets | 0.5444% | 3,050 |
| Noninterest expense to average assets | 3.3048% | 1,705 |
| Loan and lease loss provision to assets | 0.0463% | 3,399 |
| Net operating income to assets | 0.6351% | 4,111 |
| Return on assets (ROA) | 0.6351% | 4,199 |
| Pretax return on assets | 0.6351% | 4,719 |
| Return on Equity (ROE) | 7.3401% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.3401% | 1,152 |
| Net charge-offs to loans | 1.5486% | 99 |
| Credit loss provision to net charge-offs | 4.0816% | 3,870 |
| Earnings coverage of net charge-offs (x) | 0.6003% | 4,205 |
| Efficiency ratio | 82.9056% | 1,282 |
| Assets per employee ($millions) | 4.1207% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1359% | 196 |
| Loan loss allowance to noncurrent loans | 47.3642% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 7.0545% | 98 |
| Noncurrent loans to loans | 6.6207% | 118 |
| Net loans and leases to total assets | 68.6476% | 2,599 |
| Net loans and leases to deposits | 78.0803% | 3,048 |
| Net loans and leases to core deposits | 81.5124% | 3,202 |
| Total domestic deposits to total assets | 87.9192% | 1,677 |
| Equity capital to assets | 8.6469% | 5,429 |
| Core capital (leverage) ratio | 8.3890% | 5,534 |
| Tier 1 risk-based capital ratio | 12.1130% | 4,883 |
| Total risk-based capital ratio | 13.3881% | 4,766 |
| Memoranda: | ||
| Average total assets | $103,607,400 | 4,391 |
| Average earning assets | $95,575,000 | 4,399 |
| Average equity | $8,964,400 | 4,860 |
| Average total loans | $75,940,400 | 3,942 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2414% | 2,440 |
| Cost of funding earning assets | 0.4719% | 2,479 |
| Net interest margin | 3.7695% | 2,495 |
| Noninterest income to average assets | 0.6165% | 2,655 |
| Noninterest expense to average assets | 3.3616% | 1,554 |
| Loan and lease loss provision to assets | 0.0597% | 2,992 |
| Net operating income to assets | 0.6684% | 4,040 |
| Return on assets (ROA) | 0.6684% | 4,154 |
| Pretax return on assets | 0.6684% | 4,784 |
| Return on Equity (ROE) | 7.7243% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.7243% | 1,365 |
| Net charge-offs to loans | 2.0067% | 57 |
| Credit loss provision to net charge-offs | 4.0245% | 3,495 |
| Earnings coverage of net charge-offs (x) | 0.4908% | 3,942 |
| Efficiency ratio | 82.1961% | 1,368 |
| Assets per employee ($millions) | 3.8771% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1728% | 205 |
| Loan loss allowance to noncurrent loans | 43.7273% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 7.5123% | 93 |
| Noncurrent loans to loans | 7.2560% | 91 |
| Net loans and leases to total assets | 70.3165% | 2,345 |
| Net loans and leases to deposits | 80.1001% | 2,874 |
| Net loans and leases to core deposits | 83.7349% | 3,075 |
| Total domestic deposits to total assets | 87.7857% | 1,662 |
| Equity capital to assets | 8.7380% | 5,552 |
| Core capital (leverage) ratio | 8.5229% | 5,535 |
| Tier 1 risk-based capital ratio | 11.8839% | 5,147 |
| Total risk-based capital ratio | 13.1594% | 5,058 |
| Memoranda: | ||
| Average total assets | $102,725,000 | 4,453 |
| Average earning assets | $94,651,250 | 4,469 |
| Average equity | $8,889,500 | 4,937 |
| Average total loans | $75,943,500 | 3,979 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,412 |
| Cost of funding earning assets | 0.4814% | 2,419 |
| Net interest margin | 3.7530% | 2,508 |
| Noninterest income to average assets | 0.6054% | 2,702 |
| Noninterest expense to average assets | 3.3858% | 1,500 |
| Loan and lease loss provision to assets | 0.0882% | 2,346 |
| Net operating income to assets | 0.5839% | 4,419 |
| Return on assets (ROA) | 0.5839% | 4,513 |
| Pretax return on assets | 0.5839% | 5,014 |
| Return on Equity (ROE) | 6.7699% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.7699% | 1,803 |
| Net charge-offs to loans | 3.0111% | 39 |
| Credit loss provision to net charge-offs | 3.9370% | 3,134 |
| Earnings coverage of net charge-offs (x) | 0.3001% | 3,676 |
| Efficiency ratio | 83.4380% | 1,321 |
| Assets per employee ($millions) | 3.7604% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1958% | 223 |
| Loan loss allowance to noncurrent loans | 47.2663% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 7.5149% | 104 |
| Noncurrent loans to loans | 6.7613% | 125 |
| Net loans and leases to total assets | 71.9603% | 1,986 |
| Net loans and leases to deposits | 82.0506% | 2,548 |
| Net loans and leases to core deposits | 85.8987% | 2,780 |
| Total domestic deposits to total assets | 87.7023% | 1,791 |
| Equity capital to assets | 8.8003% | 5,435 |
| Core capital (leverage) ratio | 8.4647% | 5,565 |
| Tier 1 risk-based capital ratio | 11.6469% | 5,373 |
| Total risk-based capital ratio | 12.9227% | 5,270 |
| Memoranda: | ||
| Average total assets | $102,073,000 | 4,512 |
| Average earning assets | $93,898,670 | 4,521 |
| Average equity | $8,803,670 | 4,988 |
| Average total loans | $75,918,000 | 4,000 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,198 |
| Cost of funding earning assets | 0.4932% | 2,348 |
| Net interest margin | 3.7754% | 2,324 |
| Noninterest income to average assets | 0.5472% | 2,969 |
| Noninterest expense to average assets | 3.4980% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5198% | 4,584 |
| Return on assets (ROA) | 0.5198% | 4,703 |
| Pretax return on assets | 0.5198% | 5,124 |
| Return on Equity (ROE) | 6.0883% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.0883% | 2,441 |
| Net charge-offs to loans | 0.3467% | 704 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.0152% | 2,834 |
| Efficiency ratio | 87.0623% | 1,091 |
| Assets per employee ($millions) | 3.9615% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4936% | 89 |
| Loan loss allowance to noncurrent loans | 57.2783% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 8.3738% | 91 |
| Noncurrent loans to loans | 7.8452% | 107 |
| Net loans and leases to total assets | 71.0456% | 1,975 |
| Net loans and leases to deposits | 80.7916% | 2,472 |
| Net loans and leases to core deposits | 84.7594% | 2,686 |
| Total domestic deposits to total assets | 87.9369% | 1,869 |
| Equity capital to assets | 8.5563% | 5,702 |
| Core capital (leverage) ratio | 8.3944% | 5,641 |
| Tier 1 risk-based capital ratio | 11.3426% | 5,633 |
| Total risk-based capital ratio | 12.6347% | 5,525 |
| Memoranda: | ||
| Average total assets | $102,344,000 | 4,547 |
| Average earning assets | $94,083,500 | 4,546 |
| Average equity | $8,738,000 | 5,052 |
| Average total loans | $76,140,000 | 4,018 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,819 |
| Cost of funding earning assets | 0.6018% | 1,744 |
| Net interest margin | 3.6380% | 3,264 |
| Noninterest income to average assets | 0.5227% | 3,341 |
| Noninterest expense to average assets | 3.1956% | 2,225 |
| Loan and lease loss provision to assets | 0.2428% | 964 |
| Net operating income to assets | 0.4124% | 5,182 |
| Return on assets (ROA) | 0.3985% | 5,295 |
| Pretax return on assets | 0.3985% | 5,491 |
| Return on Equity (ROE) | 5.2412% | 4,535 |
| Retained earnings to average equity (ytd only) | 5.2412% | 2,437 |
| Net charge-offs to loans | 0.8609% | 385 |
| Credit loss provision to net charge-offs | 39.4578% | 3,686 |
| Earnings coverage of net charge-offs (x) | 1.0648% | 4,502 |
| Efficiency ratio | 82.9844% | 1,529 |
| Assets per employee ($millions) | 3.7662% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6379% | 85 |
| Loan loss allowance to noncurrent loans | 55.0431% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 9.2872% | 92 |
| Noncurrent loans to loans | 8.4259% | 99 |
| Net loans and leases to total assets | 70.9533% | 2,082 |
| Net loans and leases to deposits | 81.1296% | 2,589 |
| Net loans and leases to core deposits | 85.1912% | 2,762 |
| Total domestic deposits to total assets | 87.4567% | 2,055 |
| Equity capital to assets | 8.5192% | 5,738 |
| Core capital (leverage) ratio | 8.0781% | 5,945 |
| Tier 1 risk-based capital ratio | 11.8842% | 5,437 |
| Total risk-based capital ratio | 13.1815% | 5,314 |
| Memoranda: | ||
| Average total assets | $107,897,200 | 4,419 |
| Average earning assets | $98,706,800 | 4,431 |
| Average equity | $8,204,200 | 5,151 |
| Average total loans | $77,126,800 | 3,964 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,938 |
| Cost of funding earning assets | 0.6181% | 1,692 |
| Net interest margin | 3.5967% | 3,438 |
| Noninterest income to average assets | 0.6749% | 2,452 |
| Noninterest expense to average assets | 3.2014% | 2,177 |
| Loan and lease loss provision to assets | 0.4142% | 400 |
| Net operating income to assets | 0.3484% | 5,432 |
| Return on assets (ROA) | 0.3301% | 5,561 |
| Pretax return on assets | 0.3301% | 5,717 |
| Return on Equity (ROE) | 4.4665% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.4665% | 3,469 |
| Net charge-offs to loans | 1.2147% | 224 |
| Credit loss provision to net charge-offs | 48.1586% | 3,136 |
| Earnings coverage of net charge-offs (x) | 0.8867% | 4,289 |
| Efficiency ratio | 80.7621% | 1,798 |
| Assets per employee ($millions) | 3.9036% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6627% | 96 |
| Loan loss allowance to noncurrent loans | 53.8497% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 9.3617% | 107 |
| Noncurrent loans to loans | 8.6588% | 103 |
| Net loans and leases to total assets | 68.7907% | 2,415 |
| Net loans and leases to deposits | 77.9336% | 2,961 |
| Net loans and leases to core deposits | 81.8219% | 3,116 |
| Total domestic deposits to total assets | 88.2683% | 1,624 |
| Equity capital to assets | 7.8483% | 6,199 |
| Core capital (leverage) ratio | 7.3815% | 6,313 |
| Tier 1 risk-based capital ratio | 11.2417% | 5,897 |
| Total risk-based capital ratio | 12.5396% | 5,825 |
| Memoranda: | ||
| Average total assets | $109,449,500 | 4,432 |
| Average earning assets | $100,089,750 | 4,432 |
| Average equity | $8,089,500 | 5,223 |
| Average total loans | $77,493,500 | 3,977 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 3,016 |
| Cost of funding earning assets | 0.6225% | 1,714 |
| Net interest margin | 3.5608% | 3,525 |
| Noninterest income to average assets | 0.6751% | 2,402 |
| Noninterest expense to average assets | 3.2004% | 2,193 |
| Loan and lease loss provision to assets | 0.4061% | 411 |
| Net operating income to assets | 0.3213% | 5,489 |
| Return on assets (ROA) | 0.2942% | 5,650 |
| Pretax return on assets | 0.2942% | 5,786 |
| Return on Equity (ROE) | 4.0604% | 5,115 |
| Retained earnings to average equity (ytd only) | 4.0604% | 3,587 |
| Net charge-offs to loans | 1.4646% | 192 |
| Credit loss provision to net charge-offs | 39.4046% | 2,935 |
| Earnings coverage of net charge-offs (x) | 0.7058% | 3,993 |
| Efficiency ratio | 81.4798% | 1,808 |
| Assets per employee ($millions) | 4.0556% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5616% | 113 |
| Loan loss allowance to noncurrent loans | 54.1053% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 9.0273% | 116 |
| Noncurrent loans to loans | 8.4309% | 113 |
| Net loans and leases to total assets | 68.1163% | 2,393 |
| Net loans and leases to deposits | 77.0418% | 2,926 |
| Net loans and leases to core deposits | 81.2497% | 3,072 |
| Total domestic deposits to total assets | 88.4147% | 1,674 |
| Equity capital to assets | 7.4703% | 6,356 |
| Core capital (leverage) ratio | 7.0868% | 6,414 |
| Tier 1 risk-based capital ratio | 10.7831% | 6,138 |
| Total risk-based capital ratio | 12.0796% | 6,066 |
| Memoranda: | ||
| Average total assets | $110,800,000 | 4,429 |
| Average earning assets | $101,212,330 | 4,431 |
| Average equity | $8,028,670 | 5,267 |
| Average total loans | $77,974,670 | 3,974 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 3,004 |
| Cost of funding earning assets | 0.6306% | 1,729 |
| Net interest margin | 3.5354% | 3,544 |
| Noninterest income to average assets | 0.6424% | 2,503 |
| Noninterest expense to average assets | 3.2086% | 2,205 |
| Loan and lease loss provision to assets | 0.4307% | 382 |
| Net operating income to assets | 0.2225% | 5,736 |
| Return on assets (ROA) | 0.1687% | 5,926 |
| Pretax return on assets | 0.1687% | 5,980 |
| Return on Equity (ROE) | 2.3639% | 5,686 |
| Retained earnings to average equity (ytd only) | 2.3639% | 4,655 |
| Net charge-offs to loans | 2.0594% | 127 |
| Credit loss provision to net charge-offs | 29.9252% | 2,399 |
| Earnings coverage of net charge-offs (x) | 0.4539% | 3,344 |
| Efficiency ratio | 83.0855% | 1,785 |
| Assets per employee ($millions) | 4.0143% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6794% | 113 |
| Loan loss allowance to noncurrent loans | 61.8569% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 8.4315% | 150 |
| Noncurrent loans to loans | 7.5649% | 191 |
| Net loans and leases to total assets | 65.8043% | 2,598 |
| Net loans and leases to deposits | 74.4719% | 3,011 |
| Net loans and leases to core deposits | 78.4323% | 3,158 |
| Total domestic deposits to total assets | 88.3612% | 2,017 |
| Equity capital to assets | 7.1121% | 6,418 |
| Core capital (leverage) ratio | 6.9717% | 6,476 |
| Tier 1 risk-based capital ratio | 10.6080% | 6,302 |
| Total risk-based capital ratio | 11.9027% | 6,253 |
| Memoranda: | ||
| Average total assets | $111,449,500 | 4,456 |
| Average earning assets | $101,487,500 | 4,468 |
| Average equity | $7,953,000 | 5,315 |
| Average total loans | $77,885,500 | 4,000 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 3,499 |
| Cost of funding earning assets | 0.7058% | 1,771 |
| Net interest margin | 3.4542% | 4,076 |
| Noninterest income to average assets | 0.3346% | 4,936 |
| Noninterest expense to average assets | 3.0227% | 2,985 |
| Loan and lease loss provision to assets | 1.0014% | 181 |
| Net operating income to assets | -0.5176% | 6,500 |
| Return on assets (ROA) | -0.5176% | 6,508 |
| Pretax return on assets | -0.5176% | 6,493 |
| Return on Equity (ROE) | -7.2660% | 6,544 |
| Retained earnings to average equity (ytd only) | -7.2660% | 6,476 |
| Net charge-offs to loans | 1.6232% | 281 |
| Credit loss provision to net charge-offs | 89.6133% | 2,771 |
| Earnings coverage of net charge-offs (x) | 0.4329% | 4,938 |
| Efficiency ratio | 86.2044% | 1,398 |
| Assets per employee ($millions) | 4.0926% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0041% | 93 |
| Loan loss allowance to noncurrent loans | 60.5573% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 10.3051% | 120 |
| Noncurrent loans to loans | 8.2634% | 179 |
| Net loans and leases to total assets | 67.2078% | 2,484 |
| Net loans and leases to deposits | 76.1674% | 2,946 |
| Net loans and leases to core deposits | 80.2967% | 3,095 |
| Total domestic deposits to total assets | 88.2370% | 2,033 |
| Equity capital to assets | 7.1602% | 6,412 |
| Core capital (leverage) ratio | 6.9280% | 6,537 |
| Tier 1 risk-based capital ratio | 10.3046% | 6,433 |
| Total risk-based capital ratio | 11.6051% | 6,372 |
| Memoranda: | ||
| Average total assets | $118,040,600 | 4,313 |
| Average earning assets | $108,390,200 | 4,301 |
| Average equity | $8,409,000 | 5,238 |
| Average total loans | $81,257,000 | 3,897 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 3,636 |
| Cost of funding earning assets | 0.7200% | 1,809 |
| Net interest margin | 3.4108% | 4,243 |
| Noninterest income to average assets | 0.5014% | 3,793 |
| Noninterest expense to average assets | 2.9540% | 3,131 |
| Loan and lease loss provision to assets | 0.8961% | 197 |
| Net operating income to assets | -0.2046% | 6,472 |
| Return on assets (ROA) | -0.2046% | 6,494 |
| Pretax return on assets | -0.2046% | 6,474 |
| Return on Equity (ROE) | -2.8750% | 6,514 |
| Retained earnings to average equity (ytd only) | -2.8750% | 6,343 |
| Net charge-offs to loans | 1.5198% | 301 |
| Credit loss provision to net charge-offs | 86.2032% | 2,709 |
| Earnings coverage of net charge-offs (x) | 0.6652% | 4,625 |
| Efficiency ratio | 81.0308% | 1,966 |
| Assets per employee ($millions) | 4.1626% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9980% | 114 |
| Loan loss allowance to noncurrent loans | 49.4511% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 10.8720% | 115 |
| Noncurrent loans to loans | 10.1069% | 128 |
| Net loans and leases to total assets | 66.2808% | 2,588 |
| Net loans and leases to deposits | 75.1748% | 3,064 |
| Net loans and leases to core deposits | 79.1796% | 3,212 |
| Total domestic deposits to total assets | 88.1689% | 2,017 |
| Equity capital to assets | 7.3992% | 6,424 |
| Core capital (leverage) ratio | 7.0262% | 6,580 |
| Tier 1 risk-based capital ratio | 10.8859% | 6,331 |
| Total risk-based capital ratio | 12.1858% | 6,273 |
| Memoranda: | ||
| Average total assets | $119,926,000 | 4,320 |
| Average earning assets | $110,547,750 | 4,290 |
| Average equity | $8,533,250 | 5,263 |
| Average total loans | $82,027,250 | 3,911 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 3,673 |
| Cost of funding earning assets | 0.7277% | 1,863 |
| Net interest margin | 3.3878% | 4,233 |
| Noninterest income to average assets | 0.3888% | 4,605 |
| Noninterest expense to average assets | 2.8847% | 3,379 |
| Loan and lease loss provision to assets | 0.8314% | 254 |
| Net operating income to assets | -0.1944% | 6,489 |
| Return on assets (ROA) | -0.1944% | 6,521 |
| Pretax return on assets | -0.1944% | 6,491 |
| Return on Equity (ROE) | -2.7656% | 6,563 |
| Retained earnings to average equity (ytd only) | -2.7656% | 6,278 |
| Net charge-offs to loans | 2.0617% | 218 |
| Credit loss provision to net charge-offs | 59.3240% | 3,035 |
| Earnings coverage of net charge-offs (x) | 0.4545% | 4,387 |
| Efficiency ratio | 81.9109% | 1,897 |
| Assets per employee ($millions) | 4.3461% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5627% | 168 |
| Loan loss allowance to noncurrent loans | 54.8406% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 8.8466% | 194 |
| Noncurrent loans to loans | 8.3199% | 235 |
| Net loans and leases to total assets | 65.9361% | 2,612 |
| Net loans and leases to deposits | 74.7808% | 3,043 |
| Net loans and leases to core deposits | 79.0842% | 3,154 |
| Total domestic deposits to total assets | 88.1724% | 2,125 |
| Equity capital to assets | 7.1840% | 6,549 |
| Core capital (leverage) ratio | 6.8661% | 6,643 |
| Tier 1 risk-based capital ratio | 10.6949% | 6,446 |
| Total risk-based capital ratio | 11.9895% | 6,402 |
| Memoranda: | ||
| Average total assets | $122,438,000 | 4,291 |
| Average earning assets | $113,231,330 | 4,266 |
| Average equity | $8,605,670 | 5,275 |
| Average total loans | $83,232,330 | 3,893 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 3,572 |
| Cost of funding earning assets | 0.7394% | 1,926 |
| Net interest margin | 3.3965% | 4,133 |
| Noninterest income to average assets | 0.4705% | 3,991 |
| Noninterest expense to average assets | 3.0980% | 2,681 |
| Loan and lease loss provision to assets | 0.7713% | 287 |
| Net operating income to assets | -0.2528% | 6,548 |
| Return on assets (ROA) | -0.2528% | 6,580 |
| Pretax return on assets | -0.2528% | 6,571 |
| Return on Equity (ROE) | -3.6349% | 6,636 |
| Retained earnings to average equity (ytd only) | -3.6349% | 6,247 |
| Net charge-offs to loans | 0.4175% | 1,408 |
| Credit loss provision to net charge-offs | 273.8636% | 862 |
| Earnings coverage of net charge-offs (x) | 1.8409% | 3,224 |
| Efficiency ratio | 85.6637% | 1,555 |
| Assets per employee ($millions) | 4.4818% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1094% | 128 |
| Loan loss allowance to noncurrent loans | 57.2343% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 9.1077% | 238 |
| Noncurrent loans to loans | 8.9272% | 269 |
| Net loans and leases to total assets | 64.4751% | 2,617 |
| Net loans and leases to deposits | 73.0661% | 3,038 |
| Net loans and leases to core deposits | 77.0005% | 3,205 |
| Total domestic deposits to total assets | 88.2421% | 2,166 |
| Equity capital to assets | 7.1227% | 6,687 |
| Core capital (leverage) ratio | 6.6997% | 6,716 |
| Tier 1 risk-based capital ratio | 10.5123% | 6,575 |
| Total risk-based capital ratio | 11.8146% | 6,534 |
| Memoranda: | ||
| Average total assets | $124,985,000 | 4,284 |
| Average earning assets | $115,766,500 | 4,247 |
| Average equity | $8,693,500 | 5,304 |
| Average total loans | $84,313,000 | 3,890 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 3,455 |
| Cost of funding earning assets | 0.8876% | 2,011 |
| Net interest margin | 3.5996% | 4,087 |
| Noninterest income to average assets | 0.2477% | 5,689 |
| Noninterest expense to average assets | 2.9869% | 3,324 |
| Loan and lease loss provision to assets | 2.0255% | 100 |
| Net operating income to assets | -1.4158% | 6,841 |
| Return on assets (ROA) | -1.4142% | 6,849 |
| Pretax return on assets | -1.4142% | 6,830 |
| Return on Equity (ROE) | -18.5166% | 6,860 |
| Retained earnings to average equity (ytd only) | -18.5166% | 6,821 |
| Net charge-offs to loans | 2.6423% | 224 |
| Credit loss provision to net charge-offs | 107.8538% | 2,743 |
| Earnings coverage of net charge-offs (x) | 0.3247% | 5,315 |
| Efficiency ratio | 83.0482% | 1,743 |
| Assets per employee ($millions) | 4.4470% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6849% | 164 |
| Loan loss allowance to noncurrent loans | 52.6809% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 8.7669% | 292 |
| Noncurrent loans to loans | 8.8930% | 300 |
| Net loans and leases to total assets | 63.8614% | 2,920 |
| Net loans and leases to deposits | 72.0956% | 3,399 |
| Net loans and leases to core deposits | 75.9660% | 3,539 |
| Total domestic deposits to total assets | 88.5788% | 1,853 |
| Equity capital to assets | 6.7989% | 6,802 |
| Core capital (leverage) ratio | 6.4816% | 6,798 |
| Tier 1 risk-based capital ratio | 10.1494% | 6,662 |
| Total risk-based capital ratio | 11.4463% | 6,614 |
| Memoranda: | ||
| Average total assets | $126,786,400 | 4,215 |
| Average earning assets | $117,957,800 | 4,160 |
| Average equity | $9,683,200 | 5,058 |
| Average total loans | $90,109,600 | 3,744 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 3,292 |
| Cost of funding earning assets | 0.9155% | 2,067 |
| Net interest margin | 3.6622% | 3,959 |
| Noninterest income to average assets | 0.0803% | 6,688 |
| Noninterest expense to average assets | 3.0618% | 3,007 |
| Loan and lease loss provision to assets | 2.2760% | 78 |
| Net operating income to assets | -1.8483% | 7,024 |
| Return on assets (ROA) | -1.8461% | 7,034 |
| Pretax return on assets | -1.8461% | 7,011 |
| Return on Equity (ROE) | -23.5130% | 7,023 |
| Retained earnings to average equity (ytd only) | -23.5130% | 7,011 |
| Net charge-offs to loans | 2.0211% | 357 |
| Credit loss provision to net charge-offs | 156.1594% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.2935% | 5,179 |
| Efficiency ratio | 87.7421% | 1,222 |
| Assets per employee ($millions) | 4.5450% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2702% | 120 |
| Loan loss allowance to noncurrent loans | 56.3769% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 8.5644% | 334 |
| Noncurrent loans to loans | 9.3482% | 288 |
| Net loans and leases to total assets | 65.4943% | 2,741 |
| Net loans and leases to deposits | 74.1590% | 3,257 |
| Net loans and leases to core deposits | 78.0207% | 3,457 |
| Total domestic deposits to total assets | 88.3160% | 1,837 |
| Equity capital to assets | 6.9794% | 6,886 |
| Core capital (leverage) ratio | 6.5141% | 6,881 |
| Tier 1 risk-based capital ratio | 9.9538% | 6,808 |
| Total risk-based capital ratio | 11.2574% | 6,778 |
| Memoranda: | ||
| Average total assets | $126,242,500 | 4,267 |
| Average earning assets | $117,522,750 | 4,208 |
| Average equity | $9,912,000 | 5,046 |
| Average total loans | $91,035,750 | 3,760 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 3,271 |
| Cost of funding earning assets | 0.9409% | 2,113 |
| Net interest margin | 3.6801% | 3,927 |
| Noninterest income to average assets | 0.2240% | 5,963 |
| Noninterest expense to average assets | 3.2025% | 2,582 |
| Loan and lease loss provision to assets | 1.4757% | 250 |
| Net operating income to assets | -1.0309% | 6,921 |
| Return on assets (ROA) | -1.0182% | 6,934 |
| Pretax return on assets | -1.0182% | 6,902 |
| Return on Equity (ROE) | -12.5008% | 6,951 |
| Retained earnings to average equity (ytd only) | -12.5008% | 6,902 |
| Net charge-offs to loans | 1.6491% | 563 |
| Credit loss provision to net charge-offs | 122.3979% | 2,243 |
| Earnings coverage of net charge-offs (x) | 0.3689% | 4,898 |
| Efficiency ratio | 87.8049% | 1,248 |
| Assets per employee ($millions) | 4.4263% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4477% | 240 |
| Loan loss allowance to noncurrent loans | 45.5532% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 9.1413% | 326 |
| Noncurrent loans to loans | 9.7638% | 284 |
| Net loans and leases to total assets | 67.4649% | 2,379 |
| Net loans and leases to deposits | 76.9826% | 2,835 |
| Net loans and leases to core deposits | 81.4675% | 3,026 |
| Total domestic deposits to total assets | 87.6366% | 2,372 |
| Equity capital to assets | 7.7429% | 6,700 |
| Core capital (leverage) ratio | 7.3571% | 6,682 |
| Tier 1 risk-based capital ratio | 10.6455% | 6,642 |
| Total risk-based capital ratio | 11.9366% | 6,607 |
| Memoranda: | ||
| Average total assets | $125,903,330 | 4,296 |
| Average earning assets | $117,116,000 | 4,236 |
| Average equity | $10,255,330 | 4,971 |
| Average total loans | $92,052,670 | 3,755 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7336% | 2,917 |
| Cost of funding earning assets | 0.9737% | 2,135 |
| Net interest margin | 3.7600% | 3,563 |
| Noninterest income to average assets | 0.0545% | 6,910 |
| Noninterest expense to average assets | 3.2373% | 2,481 |
| Loan and lease loss provision to assets | 1.3732% | 268 |
| Net operating income to assets | -1.0620% | 7,005 |
| Return on assets (ROA) | -0.9850% | 7,010 |
| Pretax return on assets | -0.9850% | 6,975 |
| Return on Equity (ROE) | -11.7924% | 7,024 |
| Retained earnings to average equity (ytd only) | -11.7924% | 6,895 |
| Net charge-offs to loans | 0.8883% | 1,161 |
| Credit loss provision to net charge-offs | 207.7670% | 1,304 |
| Earnings coverage of net charge-offs (x) | 0.4709% | 4,107 |
| Efficiency ratio | 91.2297% | 997 |
| Assets per employee ($millions) | 4.3561% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4480% | 255 |
| Loan loss allowance to noncurrent loans | 43.9612% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 9.7706% | 314 |
| Noncurrent loans to loans | 10.1181% | 299 |
| Net loans and leases to total assets | 69.4478% | 1,847 |
| Net loans and leases to deposits | 79.7245% | 2,240 |
| Net loans and leases to core deposits | 85.0702% | 2,397 |
| Total domestic deposits to total assets | 87.1097% | 2,894 |
| Equity capital to assets | 8.1193% | 6,439 |
| Core capital (leverage) ratio | 7.8198% | 6,397 |
| Tier 1 risk-based capital ratio | 10.7898% | 6,627 |
| Total risk-based capital ratio | 12.0813% | 6,597 |
| Memoranda: | ||
| Average total assets | $124,673,500 | 4,348 |
| Average earning assets | $115,852,500 | 4,294 |
| Average equity | $10,413,500 | 4,936 |
| Average total loans | $92,763,500 | 3,762 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 2,873 |
| Cost of funding earning assets | 1.3314% | 1,336 |
| Net interest margin | 3.6702% | 4,427 |
| Noninterest income to average assets | -0.0076% | 7,010 |
| Noninterest expense to average assets | 2.7232% | 4,652 |
| Loan and lease loss provision to assets | 2.4991% | 179 |
| Net operating income to assets | -2.5441% | 7,122 |
| Return on assets (ROA) | -2.5494% | 7,128 |
| Pretax return on assets | -1.8528% | 6,991 |
| Return on Equity (ROE) | -26.7313% | 7,068 |
| Retained earnings to average equity (ytd only) | -26.7313% | 7,058 |
| Net charge-offs to loans | 2.7798% | 381 |
| Credit loss provision to net charge-offs | 117.1909% | 2,746 |
| Earnings coverage of net charge-offs (x) | 0.3056% | 5,596 |
| Efficiency ratio | 80.6911% | 2,204 |
| Assets per employee ($millions) | 4.3935% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1201% | 349 |
| Loan loss allowance to noncurrent loans | 37.8864% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 10.2187% | 319 |
| Noncurrent loans to loans | 10.8749% | 271 |
| Net loans and leases to total assets | 73.0375% | 1,447 |
| Net loans and leases to deposits | 84.3852% | 1,873 |
| Net loans and leases to core deposits | 91.1285% | 1,975 |
| Total domestic deposits to total assets | 86.5525% | 3,007 |
| Equity capital to assets | 8.5922% | 6,022 |
| Core capital (leverage) ratio | 7.9202% | 6,338 |
| Tier 1 risk-based capital ratio | 10.8874% | 6,512 |
| Total risk-based capital ratio | 12.1747% | 6,473 |
| Memoranda: | ||
| Average total assets | $131,205,400 | 4,143 |
| Average earning assets | $120,921,000 | 4,116 |
| Average equity | $12,513,400 | 4,441 |
| Average total loans | $100,654,600 | 3,599 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 3,085 |
| Cost of funding earning assets | 1.4034% | 1,221 |
| Net interest margin | 3.5967% | 4,785 |
| Noninterest income to average assets | 0.1661% | 6,402 |
| Noninterest expense to average assets | 2.7096% | 4,686 |
| Loan and lease loss provision to assets | 2.0922% | 246 |
| Net operating income to assets | -0.8290% | 6,810 |
| Return on assets (ROA) | -0.8335% | 6,849 |
| Pretax return on assets | -1.3348% | 6,976 |
| Return on Equity (ROE) | -8.5439% | 6,841 |
| Retained earnings to average equity (ytd only) | -8.5439% | 6,793 |
| Net charge-offs to loans | 0.6589% | 2,276 |
| Credit loss provision to net charge-offs | 413.2411% | 692 |
| Earnings coverage of net charge-offs (x) | 1.5099% | 4,505 |
| Efficiency ratio | 77.9954% | 2,547 |
| Assets per employee ($millions) | 4.5593% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0135% | 185 |
| Loan loss allowance to noncurrent loans | 31.1719% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 14.6476% | 141 |
| Noncurrent loans to loans | 16.0833% | 116 |
| Net loans and leases to total assets | 73.7018% | 1,371 |
| Net loans and leases to deposits | 86.4182% | 1,631 |
| Net loans and leases to core deposits | 92.3553% | 1,959 |
| Total domestic deposits to total assets | 85.2850% | 3,629 |
| Equity capital to assets | 10.0706% | 4,250 |
| Core capital (leverage) ratio | 8.8593% | 5,167 |
| Tier 1 risk-based capital ratio | 11.7142% | 6,094 |
| Total risk-based capital ratio | 13.0132% | 6,059 |
| Memoranda: | ||
| Average total assets | $133,252,000 | 4,127 |
| Average earning assets | $122,554,250 | 4,105 |
| Average equity | $12,999,250 | 4,350 |
| Average total loans | $102,390,500 | 3,589 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0038% | 3,134 |
| Cost of funding earning assets | 1.4497% | 1,195 |
| Net interest margin | 3.5542% | 4,906 |
| Noninterest income to average assets | 0.1110% | 6,777 |
| Noninterest expense to average assets | 2.8627% | 4,171 |
| Loan and lease loss provision to assets | 2.5534% | 202 |
| Net operating income to assets | -1.2974% | 7,033 |
| Return on assets (ROA) | -1.3041% | 7,043 |
| Pretax return on assets | -2.0456% | 7,170 |
| Return on Equity (ROE) | -13.5050% | 7,026 |
| Retained earnings to average equity (ytd only) | -13.5050% | 6,990 |
| Net charge-offs to loans | 0.9623% | 1,629 |
| Credit loss provision to net charge-offs | 346.3855% | 888 |
| Earnings coverage of net charge-offs (x) | 0.7028% | 4,769 |
| Efficiency ratio | 84.6760% | 1,740 |
| Assets per employee ($millions) | 4.6286% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6058% | 251 |
| Loan loss allowance to noncurrent loans | 35.2240% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 12.7507% | 219 |
| Noncurrent loans to loans | 13.0759% | 203 |
| Net loans and leases to total assets | 73.6406% | 1,485 |
| Net loans and leases to deposits | 86.0935% | 1,781 |
| Net loans and leases to core deposits | 92.8576% | 2,037 |
| Total domestic deposits to total assets | 85.5356% | 3,604 |
| Equity capital to assets | 9.8387% | 4,346 |
| Core capital (leverage) ratio | 8.8194% | 5,015 |
| Tier 1 risk-based capital ratio | 11.6939% | 6,018 |
| Total risk-based capital ratio | 12.9860% | 5,985 |
| Memoranda: | ||
| Average total assets | $135,116,330 | 4,124 |
| Average earning assets | $124,305,330 | 4,113 |
| Average equity | $13,047,000 | 4,332 |
| Average total loans | $103,503,000 | 3,595 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 2,631 |
| Cost of funding earning assets | 1.4958% | 1,181 |
| Net interest margin | 3.6076% | 4,535 |
| Noninterest income to average assets | 0.2321% | 6,057 |
| Noninterest expense to average assets | 2.2049% | 6,412 |
| Loan and lease loss provision to assets | 0.9661% | 809 |
| Net operating income to assets | 0.2875% | 5,470 |
| Return on assets (ROA) | 0.2727% | 5,590 |
| Pretax return on assets | 0.3714% | 5,424 |
| Return on Equity (ROE) | 2.8496% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.8496% | 4,460 |
| Net charge-offs to loans | 0.0152% | 4,869 |
| Credit loss provision to net charge-offs | 8,325.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 117.0000% | 280 |
| Efficiency ratio | 61.8893% | 5,700 |
| Assets per employee ($millions) | 4.6102% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5536% | 583 |
| Loan loss allowance to noncurrent loans | 31.9167% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 10.8926% | 342 |
| Noncurrent loans to loans | 11.1339% | 333 |
| Net loans and leases to total assets | 75.3141% | 1,134 |
| Net loans and leases to deposits | 88.0083% | 1,464 |
| Net loans and leases to core deposits | 95.0283% | 1,767 |
| Total domestic deposits to total assets | 85.5762% | 3,742 |
| Equity capital to assets | 9.9270% | 3,865 |
| Core capital (leverage) ratio | 8.8968% | 4,778 |
| Tier 1 risk-based capital ratio | 11.7720% | 5,877 |
| Total risk-based capital ratio | 13.0500% | 5,860 |
| Memoranda: | ||
| Average total assets | $137,874,000 | 4,099 |
| Average earning assets | $127,287,500 | 4,078 |
| Average equity | $13,195,000 | 4,294 |
| Average total loans | $105,231,000 | 3,595 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2982% | 3,139 |
| Cost of funding earning assets | 1.8490% | 1,006 |
| Net interest margin | 3.4491% | 5,437 |
| Noninterest income to average assets | -0.1388% | 7,424 |
| Noninterest expense to average assets | 2.5641% | 5,565 |
| Loan and lease loss provision to assets | 2.4707% | 455 |
| Net operating income to assets | -1.1530% | 6,764 |
| Return on assets (ROA) | -1.1574% | 6,785 |
| Pretax return on assets | -1.9823% | 7,026 |
| Return on Equity (ROE) | -11.9169% | 6,810 |
| Retained earnings to average equity (ytd only) | -11.9169% | 6,758 |
| Net charge-offs to loans | 1.7219% | 1,257 |
| Credit loss provision to net charge-offs | 191.5335% | 1,678 |
| Earnings coverage of net charge-offs (x) | 0.3839% | 5,726 |
| Efficiency ratio | 83.8123% | 1,940 |
| Assets per employee ($millions) | 4.8983% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1878% | 740 |
| Loan loss allowance to noncurrent loans | 23.8384% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 11.7422% | 293 |
| Noncurrent loans to loans | 13.3726% | 215 |
| Net loans and leases to total assets | 72.2827% | 2,036 |
| Net loans and leases to deposits | 83.5808% | 2,516 |
| Net loans and leases to core deposits | 90.5666% | 2,682 |
| Total domestic deposits to total assets | 86.4824% | 3,090 |
| Equity capital to assets | 9.2346% | 4,778 |
| Core capital (leverage) ratio | 8.5278% | 5,306 |
| Tier 1 risk-based capital ratio | 11.3256% | 6,066 |
| Total risk-based capital ratio | 12.5993% | 6,033 |
| Memoranda: | ||
| Average total assets | $145,585,400 | 3,955 |
| Average earning assets | $134,990,400 | 3,911 |
| Average equity | $14,139,600 | 4,112 |
| Average total loans | $109,065,600 | 3,565 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4205% | 2,791 |
| Cost of funding earning assets | 1.9321% | 929 |
| Net interest margin | 3.4884% | 5,344 |
| Noninterest income to average assets | -0.3268% | 7,639 |
| Noninterest expense to average assets | 2.4796% | 5,780 |
| Loan and lease loss provision to assets | 1.6777% | 763 |
| Net operating income to assets | -0.7821% | 6,786 |
| Return on assets (ROA) | -0.7856% | 6,821 |
| Pretax return on assets | -1.2535% | 6,958 |
| Return on Equity (ROE) | -7.9933% | 6,833 |
| Retained earnings to average equity (ytd only) | -7.9933% | 6,768 |
| Net charge-offs to loans | 0.6860% | 2,709 |
| Credit loss provision to net charge-offs | 326.1947% | 975 |
| Earnings coverage of net charge-offs (x) | 0.8354% | 5,220 |
| Efficiency ratio | 85.2315% | 1,710 |
| Assets per employee ($millions) | 5.4389% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6718% | 1,114 |
| Loan loss allowance to noncurrent loans | 40.4542% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 6.4025% | 893 |
| Noncurrent loans to loans | 6.6045% | 895 |
| Net loans and leases to total assets | 72.9050% | 2,031 |
| Net loans and leases to deposits | 84.5630% | 2,603 |
| Net loans and leases to core deposits | 91.5850% | 2,862 |
| Total domestic deposits to total assets | 86.2138% | 2,965 |
| Equity capital to assets | 9.6064% | 4,681 |
| Core capital (leverage) ratio | 9.4492% | 3,989 |
| Tier 1 risk-based capital ratio | 12.2763% | 5,202 |
| Total risk-based capital ratio | 13.5413% | 5,161 |
| Memoranda: | ||
| Average total assets | $146,468,750 | 3,992 |
| Average earning assets | $135,875,000 | 3,947 |
| Average equity | $14,395,000 | 4,114 |
| Average total loans | $109,817,000 | 3,604 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4369% | 2,814 |
| Cost of funding earning assets | 2.0434% | 787 |
| Net interest margin | 3.3934% | 5,666 |
| Noninterest income to average assets | -0.4387% | 7,740 |
| Noninterest expense to average assets | 2.3493% | 6,224 |
| Loan and lease loss provision to assets | 1.7767% | 695 |
| Net operating income to assets | -0.8965% | 6,899 |
| Return on assets (ROA) | -0.8965% | 6,920 |
| Pretax return on assets | -1.4213% | 7,053 |
| Return on Equity (ROE) | -9.0539% | 6,930 |
| Retained earnings to average equity (ytd only) | -9.0539% | 6,871 |
| Net charge-offs to loans | 0.0893% | 5,245 |
| Credit loss provision to net charge-offs | 2,653.0612% | 159 |
| Earnings coverage of net charge-offs (x) | 5.3061% | 2,704 |
| Efficiency ratio | 86.8621% | 1,613 |
| Assets per employee ($millions) | 5.5048% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6539% | 1,133 |
| Loan loss allowance to noncurrent loans | 38.7286% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 6.5055% | 860 |
| Noncurrent loans to loans | 6.8525% | 847 |
| Net loans and leases to total assets | 71.8669% | 2,436 |
| Net loans and leases to deposits | 83.2515% | 3,024 |
| Net loans and leases to core deposits | 92.0668% | 2,974 |
| Total domestic deposits to total assets | 86.3250% | 2,917 |
| Equity capital to assets | 9.6051% | 4,538 |
| Core capital (leverage) ratio | 9.4317% | 3,916 |
| Tier 1 risk-based capital ratio | 12.4672% | 4,891 |
| Total risk-based capital ratio | 13.7275% | 4,860 |
| Memoranda: | ||
| Average total assets | $146,341,670 | 4,025 |
| Average earning assets | $135,556,330 | 3,988 |
| Average equity | $14,491,000 | 4,087 |
| Average total loans | $109,756,000 | 3,645 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5299% | 2,456 |
| Cost of funding earning assets | 2.1499% | 689 |
| Net interest margin | 3.3801% | 5,666 |
| Noninterest income to average assets | -0.8568% | 7,894 |
| Noninterest expense to average assets | 2.3334% | 6,300 |
| Loan and lease loss provision to assets | 1.0165% | 1,228 |
| Net operating income to assets | -0.6777% | 6,945 |
| Return on assets (ROA) | -0.6777% | 6,970 |
| Pretax return on assets | -1.0882% | 7,093 |
| Return on Equity (ROE) | -6.7404% | 6,972 |
| Retained earnings to average equity (ytd only) | -6.7404% | 6,710 |
| Net charge-offs to loans | 0.1640% | 3,938 |
| Credit loss provision to net charge-offs | 820.0000% | 559 |
| Earnings coverage of net charge-offs (x) | -0.5778% | 5,308 |
| Efficiency ratio | 103.1669% | 745 |
| Assets per employee ($millions) | 5.3933% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,701 |
| Loan loss allowance to noncurrent loans | 33.5758% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 6.4462% | 891 |
| Noncurrent loans to loans | 5.3919% | 1,310 |
| Net loans and leases to total assets | 73.9328% | 1,986 |
| Net loans and leases to deposits | 86.2765% | 2,535 |
| Net loans and leases to core deposits | 94.7595% | 2,737 |
| Total domestic deposits to total assets | 85.6929% | 3,318 |
| Equity capital to assets | 10.0831% | 3,763 |
| Core capital (leverage) ratio | 9.8807% | 3,304 |
| Tier 1 risk-based capital ratio | 12.5820% | 4,657 |
| Total risk-based capital ratio | 13.8328% | 4,622 |
| Memoranda: | ||
| Average total assets | $145,198,000 | 4,109 |
| Average earning assets | $133,961,500 | 4,075 |
| Average equity | $14,598,500 | 4,097 |
| Average total loans | $109,770,500 | 3,686 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7983% | 2,658 |
| Cost of funding earning assets | 2.5286% | 954 |
| Net interest margin | 3.2696% | 5,858 |
| Noninterest income to average assets | 0.5599% | 3,946 |
| Noninterest expense to average assets | 2.4091% | 6,440 |
| Loan and lease loss provision to assets | 1.4856% | 1,551 |
| Net operating income to assets | -0.1449% | 5,757 |
| Return on assets (ROA) | -0.1231% | 5,711 |
| Pretax return on assets | -0.2711% | 5,802 |
| Return on Equity (ROE) | -1.2813% | 5,733 |
| Retained earnings to average equity (ytd only) | -1.2813% | 5,339 |
| Net charge-offs to loans | 1.6077% | 1,571 |
| Credit loss provision to net charge-offs | 118.7038% | 4,534 |
| Earnings coverage of net charge-offs (x) | 0.9431% | 5,167 |
| Efficiency ratio | 67.1160% | 5,162 |
| Assets per employee ($millions) | 5.3621% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,655 |
| Loan loss allowance to noncurrent loans | 49.4643% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 4.7715% | 1,322 |
| Noncurrent loans to loans | 3.0575% | 2,512 |
| Net loans and leases to total assets | 74.7589% | 2,087 |
| Net loans and leases to deposits | 87.2411% | 2,695 |
| Net loans and leases to core deposits | 118.0089% | 2,130 |
| Total domestic deposits to total assets | 85.6924% | 3,170 |
| Equity capital to assets | 10.0251% | 3,720 |
| Core capital (leverage) ratio | 9.8324% | 3,294 |
| Tier 1 risk-based capital ratio | 12.3395% | 4,646 |
| Total risk-based capital ratio | 13.5880% | 4,609 |
| Memoranda: | ||
| Average total assets | $140,551,000 | 4,113 |
| Average earning assets | $130,228,800 | 4,081 |
| Average equity | $13,502,400 | 4,384 |
| Average total loans | $109,413,400 | 3,711 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8329% | 2,734 |
| Cost of funding earning assets | 2.6089% | 1,011 |
| Net interest margin | 3.2240% | 5,937 |
| Noninterest income to average assets | 0.6595% | 3,293 |
| Noninterest expense to average assets | 2.3331% | 6,619 |
| Loan and lease loss provision to assets | 1.0877% | 1,795 |
| Net operating income to assets | 0.1773% | 5,228 |
| Return on assets (ROA) | 0.2141% | 5,191 |
| Pretax return on assets | 0.2772% | 5,117 |
| Return on Equity (ROE) | 2.2541% | 5,078 |
| Retained earnings to average equity (ytd only) | 2.2541% | 4,069 |
| Net charge-offs to loans | 1.1602% | 1,748 |
| Credit loss provision to net charge-offs | 119.6635% | 4,245 |
| Earnings coverage of net charge-offs (x) | 1.4490% | 4,698 |
| Efficiency ratio | 63.9173% | 5,771 |
| Assets per employee ($millions) | 5.2986% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3752% | 4,085 |
| Loan loss allowance to noncurrent loans | 68.1614% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 4.5135% | 1,352 |
| Noncurrent loans to loans | 2.0175% | 3,617 |
| Net loans and leases to total assets | 76.1990% | 1,956 |
| Net loans and leases to deposits | 89.3255% | 2,713 |
| Net loans and leases to core deposits | 119.9505% | 2,249 |
| Total domestic deposits to total assets | 85.3049% | 3,073 |
| Equity capital to assets | 10.4787% | 3,539 |
| Core capital (leverage) ratio | 10.2477% | 3,017 |
| Tier 1 risk-based capital ratio | 12.5727% | 4,490 |
| Total risk-based capital ratio | 13.8241% | 4,444 |
| Memoranda: | ||
| Average total assets | $139,494,750 | 4,149 |
| Average earning assets | $129,400,500 | 4,117 |
| Average equity | $13,249,500 | 4,474 |
| Average total loans | $109,293,000 | 3,745 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8178% | 2,964 |
| Cost of funding earning assets | 2.6705% | 1,109 |
| Net interest margin | 3.1474% | 6,100 |
| Noninterest income to average assets | 0.6710% | 3,188 |
| Noninterest expense to average assets | 2.3542% | 6,614 |
| Loan and lease loss provision to assets | 0.8272% | 2,027 |
| Net operating income to assets | 0.2971% | 4,909 |
| Return on assets (ROA) | 0.3340% | 4,859 |
| Pretax return on assets | 0.4714% | 4,714 |
| Return on Equity (ROE) | 3.6467% | 4,646 |
| Retained earnings to average equity (ytd only) | 3.6467% | 3,271 |
| Net charge-offs to loans | 0.2682% | 3,849 |
| Credit loss provision to net charge-offs | 391.7808% | 1,186 |
| Earnings coverage of net charge-offs (x) | 5.9041% | 2,732 |
| Efficiency ratio | 65.3815% | 5,646 |
| Assets per employee ($millions) | 5.2575% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 2,630 |
| Loan loss allowance to noncurrent loans | 38.7787% | 5,824 |
| Noncurrent assets plus other real estate owned to assets | 5.0439% | 1,045 |
| Noncurrent loans to loans | 4.1941% | 1,580 |
| Net loans and leases to total assets | 74.9488% | 2,449 |
| Net loans and leases to deposits | 86.7013% | 3,417 |
| Net loans and leases to core deposits | 115.7731% | 2,728 |
| Total domestic deposits to total assets | 86.4448% | 2,539 |
| Equity capital to assets | 8.9811% | 5,341 |
| Core capital (leverage) ratio | 8.9870% | 4,652 |
| Tier 1 risk-based capital ratio | 11.1151% | 5,760 |
| Total risk-based capital ratio | 12.3689% | 5,671 |
| Memoranda: | ||
| Average total assets | $138,306,000 | 4,209 |
| Average earning assets | $128,742,330 | 4,166 |
| Average equity | $12,669,000 | 4,638 |
| Average total loans | $108,880,330 | 3,791 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8444% | 3,061 |
| Cost of funding earning assets | 2.7203% | 1,208 |
| Net interest margin | 3.1241% | 6,128 |
| Noninterest income to average assets | 0.5598% | 3,843 |
| Noninterest expense to average assets | 2.3388% | 6,406 |
| Loan and lease loss provision to assets | 0.6360% | 1,983 |
| Net operating income to assets | 0.3519% | 5,062 |
| Return on assets (ROA) | 0.4044% | 5,022 |
| Pretax return on assets | 0.5862% | 4,799 |
| Return on Equity (ROE) | 4.3709% | 4,762 |
| Retained earnings to average equity (ytd only) | 4.3709% | 3,485 |
| Net charge-offs to loans | 0.0073% | 5,577 |
| Credit loss provision to net charge-offs | 10,850.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 215 |
| Efficiency ratio | 67.1152% | 5,119 |
| Assets per employee ($millions) | 5.4490% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 3,426 |
| Loan loss allowance to noncurrent loans | 32.5000% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 4.8019% | 963 |
| Noncurrent loans to loans | 4.3493% | 1,341 |
| Net loans and leases to total assets | 76.1572% | 2,235 |
| Net loans and leases to deposits | 88.6835% | 3,156 |
| Net loans and leases to core deposits | 116.2411% | 2,778 |
| Total domestic deposits to total assets | 85.8753% | 2,786 |
| Equity capital to assets | 8.9572% | 5,408 |
| Core capital (leverage) ratio | 9.1363% | 4,495 |
| Tier 1 risk-based capital ratio | 10.9152% | 5,976 |
| Total risk-based capital ratio | 12.1668% | 5,886 |
| Memoranda: | ||
| Average total assets | $136,482,500 | 4,268 |
| Average earning assets | $127,780,500 | 4,197 |
| Average equity | $12,629,000 | 4,673 |
| Average total loans | $109,245,000 | 3,805 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4914% | 3,005 |
| Cost of funding earning assets | 3.0965% | 1,514 |
| Net interest margin | 3.3950% | 5,682 |
| Noninterest income to average assets | 0.4729% | 4,857 |
| Noninterest expense to average assets | 2.2552% | 6,821 |
| Loan and lease loss provision to assets | 0.5266% | 2,708 |
| Net operating income to assets | 0.5894% | 4,352 |
| Return on assets (ROA) | 0.6167% | 4,091 |
| Pretax return on assets | 0.9292% | 3,624 |
| Return on Equity (ROE) | 6.1540% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.1540% | 1,467 |
| Net charge-offs to loans | 0.2756% | 3,561 |
| Credit loss provision to net charge-offs | 235.0554% | 2,020 |
| Earnings coverage of net charge-offs (x) | 6.3137% | 3,386 |
| Efficiency ratio | 61.4553% | 6,057 |
| Assets per employee ($millions) | 5.0497% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 4,370 |
| Loan loss allowance to noncurrent loans | 28.9251% | 6,767 |
| Noncurrent assets plus other real estate owned to assets | 4.7071% | 771 |
| Noncurrent loans to loans | 4.2229% | 1,155 |
| Net loans and leases to total assets | 82.0437% | 1,222 |
| Net loans and leases to deposits | 97.3598% | 2,220 |
| Net loans and leases to core deposits | 122.4296% | 2,464 |
| Total domestic deposits to total assets | 84.2685% | 3,194 |
| Equity capital to assets | 9.5726% | 4,584 |
| Core capital (leverage) ratio | 9.5897% | 3,890 |
| Tier 1 risk-based capital ratio | 11.1017% | 5,642 |
| Total risk-based capital ratio | 12.3272% | 5,545 |
| Memoranda: | ||
| Average total assets | $120,965,200 | 4,494 |
| Average earning assets | $113,904,200 | 4,417 |
| Average equity | $12,122,200 | 4,802 |
| Average total loans | $98,313,200 | 3,998 |