Home > ProGrowth Bank > Performance and Condition Ratios
ProGrowth Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 2,812 |
| Cost of funding earning assets | 2.1129% | 755 |
| Net interest margin | 2.5229% | 4,071 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.5035% | 4,327 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7546% | 3,033 |
| Return on assets (ROA) | 0.7625% | 2,980 |
| Pretax return on assets | 1.0672% | 2,500 |
| Return on Equity (ROE) | 24.8100% | 319 |
| Retained earnings to average equity (ytd only) | 14.2701% | 380 |
| Net charge-offs to loans | -0.0147% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.4592% | 3,250 |
| Assets per employee ($millions) | 14.2952% | 239 |
| Cash dividends to net income (ytd only)* | 42.4710% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 3,845 |
| Loan loss allowance to noncurrent loans | 4,635.7143% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 3,810 |
| Noncurrent loans to loans | 0.0184% | 3,612 |
| Net loans and leases to total assets | 18.2100% | 4,415 |
| Net loans and leases to deposits | 21.2469% | 4,421 |
| Net loans and leases to core deposits | 38.1033% | 4,312 |
| Total domestic deposits to total assets | 85.7300% | 2,097 |
| Equity capital to assets | 3.1042% | 4,542 |
| Core capital (leverage) ratio | 7.3619% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1245% | 682 |
| Memoranda: | ||
| Average total assets | $339,663,400 | 2,232 |
| Average earning assets | $324,902,200 | 2,192 |
| Average equity | $10,441,400 | 3,670 |
| Average total loans | $74,960,400 | 3,479 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5163% | 2,874 |
| Cost of funding earning assets | 1.9489% | 783 |
| Net interest margin | 2.5674% | 4,069 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.5238% | 4,296 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.8221% | 2,956 |
| Return on assets (ROA) | 0.8296% | 2,919 |
| Pretax return on assets | 1.0843% | 2,609 |
| Return on Equity (ROE) | 27.0700% | 305 |
| Retained earnings to average equity (ytd only) | 27.0741% | 118 |
| Net charge-offs to loans | -0.0143% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.2870% | 3,171 |
| Assets per employee ($millions) | 11.7053% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 3,775 |
| Loan loss allowance to noncurrent loans | 3,588.8889% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 3,816 |
| Noncurrent loans to loans | 0.0247% | 3,594 |
| Net loans and leases to total assets | 20.5900% | 4,432 |
| Net loans and leases to deposits | 24.0748% | 4,432 |
| Net loans and leases to core deposits | 42.6167% | 4,202 |
| Total domestic deposits to total assets | 85.5100% | 2,345 |
| Equity capital to assets | 2.4288% | 4,524 |
| Core capital (leverage) ratio | 7.9471% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1114% | 618 |
| Memoranda: | ||
| Average total assets | $320,939,000 | 2,316 |
| Average earning assets | $306,082,500 | 2,267 |
| Average equity | $9,834,500 | 3,738 |
| Average total loans | $74,660,250 | 3,490 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,192 |
| Cost of funding earning assets | 1.6812% | 910 |
| Net interest margin | 2.5725% | 4,137 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.4855% | 4,347 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.8363% | 2,971 |
| Return on assets (ROA) | 0.8383% | 2,971 |
| Pretax return on assets | 1.0957% | 2,659 |
| Return on Equity (ROE) | 25.3800% | 362 |
| Retained earnings to average equity (ytd only) | 25.3757% | 118 |
| Net charge-offs to loans | -0.0080% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.0687% | 3,295 |
| Assets per employee ($millions) | 11.1003% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 3,847 |
| Loan loss allowance to noncurrent loans | 3,210.0000% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,808 |
| Noncurrent loans to loans | 0.0273% | 3,559 |
| Net loans and leases to total assets | 21.1000% | 4,447 |
| Net loans and leases to deposits | 26.8667% | 4,430 |
| Net loans and leases to core deposits | 43.8646% | 4,181 |
| Total domestic deposits to total assets | 78.5500% | 3,781 |
| Equity capital to assets | 3.1656% | 4,559 |
| Core capital (leverage) ratio | 8.2848% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5615% | 668 |
| Memoranda: | ||
| Average total assets | $310,865,667 | 2,377 |
| Average earning assets | $296,215,333 | 2,336 |
| Average equity | $10,269,667 | 3,713 |
| Average total loans | $75,233,333 | 3,485 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1991% | 3,819 |
| Cost of funding earning assets | 0.7496% | 474 |
| Net interest margin | 2.4495% | 4,324 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.5583% | 4,356 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.8286% | 3,224 |
| Return on assets (ROA) | 0.8011% | 3,247 |
| Pretax return on assets | 1.0553% | 2,900 |
| Return on Equity (ROE) | 15.8800% | 1,075 |
| Retained earnings to average equity (ytd only) | 9.5554% | 1,299 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.7329% | 2,802 |
| Assets per employee ($millions) | 9.7545% | 730 |
| Cash dividends to net income (ytd only)* | 39.8230% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 3,805 |
| Loan loss allowance to noncurrent loans | 2,866.6667% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,821 |
| Noncurrent loans to loans | 0.0311% | 3,559 |
| Net loans and leases to total assets | 26.1400% | 4,474 |
| Net loans and leases to deposits | 29.3005% | 4,485 |
| Net loans and leases to core deposits | 42.7713% | 4,212 |
| Total domestic deposits to total assets | 89.2300% | 1,656 |
| Equity capital to assets | 3.0420% | 4,606 |
| Core capital (leverage) ratio | 9.1749% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6268% | 879 |
| Memoranda: | ||
| Average total assets | $282,096,000 | 2,545 |
| Average earning assets | $268,011,000 | 2,503 |
| Average equity | $14,232,800 | 3,438 |
| Average total loans | $76,603,800 | 3,462 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0209% | 3,851 |
| Cost of funding earning assets | 0.6188% | 394 |
| Net interest margin | 2.4020% | 4,323 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.5277% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7588% | 3,389 |
| Return on assets (ROA) | 0.7524% | 3,363 |
| Pretax return on assets | 0.9513% | 3,176 |
| Return on Equity (ROE) | 13.5100% | 1,562 |
| Retained earnings to average equity (ytd only) | 13.5082% | 538 |
| Net charge-offs to loans | -0.0157% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4234% | 2,910 |
| Assets per employee ($millions) | 9.9683% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3986% | 1,610 |
| Loan loss allowance to noncurrent loans | 4,188.0000% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 3,914 |
| Noncurrent loans to loans | 0.0334% | 3,655 |
| Net loans and leases to total assets | 25.5300% | 4,519 |
| Net loans and leases to deposits | 30.1067% | 4,497 |
| Net loans and leases to core deposits | 45.1501% | 4,141 |
| Total domestic deposits to total assets | 84.8100% | 3,332 |
| Equity capital to assets | 2.5360% | 4,626 |
| Core capital (leverage) ratio | 9.2277% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2611% | 821 |
| Memoranda: | ||
| Average total assets | $279,461,500 | 2,572 |
| Average earning assets | $265,437,250 | 2,536 |
| Average equity | $15,565,500 | 3,359 |
| Average total loans | $76,455,750 | 3,478 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8630% | 3,869 |
| Cost of funding earning assets | 0.4937% | 533 |
| Net interest margin | 2.3694% | 4,261 |
| Noninterest income to average assets | 0.1687% | 4,170 |
| Noninterest expense to average assets | 1.5305% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7259% | 3,223 |
| Return on assets (ROA) | 0.7334% | 3,157 |
| Pretax return on assets | 0.9202% | 2,993 |
| Return on Equity (ROE) | 11.0648% | 1,959 |
| Retained earnings to average equity (ytd only) | 11.0648% | 774 |
| Net charge-offs to loans | -0.0156% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6928% | 2,954 |
| Assets per employee ($millions) | 9.4240% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,797 |
| Loan loss allowance to noncurrent loans | 3,728.5714% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,927 |
| Noncurrent loans to loans | 0.0373% | 3,669 |
| Net loans and leases to total assets | 27.0971% | 4,535 |
| Net loans and leases to deposits | 32.5758% | 4,482 |
| Net loans and leases to core deposits | 49.4488% | 3,959 |
| Total domestic deposits to total assets | 83.1815% | 3,844 |
| Equity capital to assets | 4.3524% | 4,583 |
| Core capital (leverage) ratio | 9.1123% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9302% | 733 |
| Memoranda: | ||
| Average total assets | $276,254,667 | 2,606 |
| Average earning assets | $264,963,667 | 2,573 |
| Average equity | $18,310,333 | 3,207 |
| Average total loans | $76,987,000 | 3,504 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7602% | 3,821 |
| Cost of funding earning assets | 0.4110% | 815 |
| Net interest margin | 2.3492% | 4,151 |
| Noninterest income to average assets | 0.1599% | 4,197 |
| Noninterest expense to average assets | 1.5007% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7295% | 2,941 |
| Return on assets (ROA) | 0.7648% | 2,786 |
| Pretax return on assets | 0.9678% | 2,541 |
| Return on Equity (ROE) | 9.8708% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.8708% | 1,054 |
| Net charge-offs to loans | -0.0154% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9133% | 3,271 |
| Assets per employee ($millions) | 10.2663% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,968 |
| Loan loss allowance to noncurrent loans | 3,358.0645% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,960 |
| Noncurrent loans to loans | 0.0413% | 3,683 |
| Net loans and leases to total assets | 25.7771% | 4,572 |
| Net loans and leases to deposits | 31.8840% | 4,499 |
| Net loans and leases to core deposits | 47.9214% | 3,987 |
| Total domestic deposits to total assets | 80.8465% | 4,215 |
| Equity capital to assets | 6.1867% | 4,537 |
| Core capital (leverage) ratio | 9.0683% | 3,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0258% | 752 |
| Memoranda: | ||
| Average total assets | $277,734,500 | 2,608 |
| Average earning assets | $267,664,500 | 2,568 |
| Average equity | $21,518,000 | 3,016 |
| Average total loans | $77,931,000 | 3,492 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3381% | 3,091 |
| Cost of funding earning assets | 0.3441% | 1,995 |
| Net interest margin | 2.9940% | 3,208 |
| Noninterest income to average assets | 0.2723% | 3,764 |
| Noninterest expense to average assets | 1.8946% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0151% | 2,614 |
| Return on assets (ROA) | 0.9371% | 2,979 |
| Pretax return on assets | 1.1942% | 2,680 |
| Return on Equity (ROE) | 9.3223% | 2,779 |
| Retained earnings to average equity (ytd only) | 9.3223% | 1,095 |
| Net charge-offs to loans | -0.0120% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4361% | 3,234 |
| Assets per employee ($millions) | 9.5719% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,431 |
| Loan loss allowance to noncurrent loans | 3,243.7500% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,023 |
| Noncurrent loans to loans | 0.0396% | 3,790 |
| Net loans and leases to total assets | 29.7319% | 4,518 |
| Net loans and leases to deposits | 37.9328% | 4,405 |
| Net loans and leases to core deposits | 53.5147% | 3,794 |
| Total domestic deposits to total assets | 78.3804% | 4,357 |
| Equity capital to assets | 9.4220% | 3,209 |
| Core capital (leverage) ratio | 10.0152% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9578% | 562 |
| Memoranda: | ||
| Average total assets | $224,744,800 | 2,874 |
| Average earning assets | $218,839,400 | 2,821 |
| Average equity | $22,591,000 | 3,010 |
| Average total loans | $83,271,800 | 3,423 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 2,671 |
| Cost of funding earning assets | 0.3601% | 2,019 |
| Net interest margin | 3.1980% | 2,735 |
| Noninterest income to average assets | 0.3029% | 3,621 |
| Noninterest expense to average assets | 1.9146% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1642% | 2,309 |
| Return on assets (ROA) | 1.1642% | 2,373 |
| Pretax return on assets | 1.4989% | 1,992 |
| Return on Equity (ROE) | 11.3593% | 2,256 |
| Retained earnings to average equity (ytd only) | 11.3593% | 981 |
| Net charge-offs to loans | -0.0127% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0891% | 3,512 |
| Assets per employee ($millions) | 8.7041% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 2,314 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 4,109 |
| Noncurrent loans to loans | 0.0476% | 3,879 |
| Net loans and leases to total assets | 32.6129% | 4,520 |
| Net loans and leases to deposits | 38.4763% | 4,503 |
| Net loans and leases to core deposits | 55.8589% | 3,783 |
| Total domestic deposits to total assets | 84.7611% | 3,194 |
| Equity capital to assets | 10.7778% | 2,185 |
| Core capital (leverage) ratio | 10.5355% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0566% | 485 |
| Memoranda: | ||
| Average total assets | $213,928,000 | 2,988 |
| Average earning assets | $208,084,500 | 2,915 |
| Average equity | $21,925,750 | 3,097 |
| Average total loans | $83,909,000 | 3,461 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3618% | 3,284 |
| Cost of funding earning assets | 0.3614% | 2,220 |
| Net interest margin | 3.0004% | 3,324 |
| Noninterest income to average assets | 0.3577% | 3,320 |
| Noninterest expense to average assets | 1.9768% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0239% | 2,809 |
| Return on assets (ROA) | 1.0246% | 2,887 |
| Pretax return on assets | 1.2953% | 2,641 |
| Return on Equity (ROE) | 10.1966% | 2,678 |
| Retained earnings to average equity (ytd only) | 10.1966% | 1,343 |
| Net charge-offs to loans | -0.0140% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4314% | 2,951 |
| Assets per employee ($millions) | 8.2713% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,782 |
| Loan loss allowance to noncurrent loans | 2,794.5946% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,180 |
| Noncurrent loans to loans | 0.0439% | 3,965 |
| Net loans and leases to total assets | 35.9084% | 4,464 |
| Net loans and leases to deposits | 41.9476% | 4,461 |
| Net loans and leases to core deposits | 110.6039% | 344 |
| Total domestic deposits to total assets | 85.6029% | 2,875 |
| Equity capital to assets | 10.7537% | 2,180 |
| Core capital (leverage) ratio | 11.1630% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3708% | 411 |
| Memoranda: | ||
| Average total assets | $206,900,333 | 3,041 |
| Average earning assets | $200,904,667 | 2,974 |
| Average equity | $20,791,333 | 3,175 |
| Average total loans | $85,985,333 | 3,457 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 2,275 |
| Cost of funding earning assets | 0.3640% | 2,414 |
| Net interest margin | 3.3710% | 2,187 |
| Noninterest income to average assets | 0.5346% | 2,460 |
| Noninterest expense to average assets | 2.1259% | 3,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3267% | 1,741 |
| Return on assets (ROA) | 1.3364% | 1,809 |
| Pretax return on assets | 1.6962% | 1,500 |
| Return on Equity (ROE) | 13.8781% | 1,460 |
| Retained earnings to average equity (ytd only) | 13.8781% | 772 |
| Net charge-offs to loans | -0.0138% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8014% | 3,566 |
| Assets per employee ($millions) | 6.6898% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,675 |
| Loan loss allowance to noncurrent loans | 2,577.5000% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 4,231 |
| Noncurrent loans to loans | 0.0484% | 4,043 |
| Net loans and leases to total assets | 40.6562% | 4,309 |
| Net loans and leases to deposits | 49.4704% | 4,190 |
| Net loans and leases to core deposits | 61.5328% | 3,608 |
| Total domestic deposits to total assets | 82.1829% | 3,857 |
| Equity capital to assets | 11.7556% | 1,411 |
| Core capital (leverage) ratio | 14.3873% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1509% | 319 |
| Memoranda: | ||
| Average total assets | $194,553,000 | 3,127 |
| Average earning assets | $189,026,500 | 3,059 |
| Average equity | $18,734,500 | 3,353 |
| Average total loans | $86,880,000 | 3,453 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7062% | 3,560 |
| Cost of funding earning assets | 0.4536% | 3,260 |
| Net interest margin | 3.2525% | 3,202 |
| Noninterest income to average assets | 0.2914% | 3,740 |
| Noninterest expense to average assets | 2.5241% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6704% | 3,520 |
| Return on assets (ROA) | 0.7458% | 3,399 |
| Pretax return on assets | 1.0041% | 3,033 |
| Return on Equity (ROE) | 8.9775% | 2,400 |
| Retained earnings to average equity (ytd only) | 1.9455% | 3,853 |
| Net charge-offs to loans | -0.0339% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5300% | 1,501 |
| Assets per employee ($millions) | 6.4969% | 1,926 |
| Cash dividends to net income (ytd only)* | 78.3290% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,316 |
| Loan loss allowance to noncurrent loans | 2,507.3171% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 4,287 |
| Noncurrent loans to loans | 0.0450% | 4,118 |
| Net loans and leases to total assets | 47.8242% | 3,988 |
| Net loans and leases to deposits | 57.8533% | 3,898 |
| Net loans and leases to core deposits | 63.2207% | 3,755 |
| Total domestic deposits to total assets | 82.6645% | 3,500 |
| Equity capital to assets | 7.3648% | 4,862 |
| Core capital (leverage) ratio | 8.5480% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2884% | 1,451 |
| Memoranda: | ||
| Average total assets | $154,071,800 | 3,353 |
| Average earning assets | $148,806,600 | 3,281 |
| Average equity | $12,798,600 | 3,881 |
| Average total loans | $88,554,000 | 3,424 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 3,510 |
| Cost of funding earning assets | 0.4821% | 3,345 |
| Net interest margin | 3.3349% | 3,087 |
| Noninterest income to average assets | 0.2960% | 3,710 |
| Noninterest expense to average assets | 2.6311% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6462% | 3,641 |
| Return on assets (ROA) | 0.7533% | 3,381 |
| Pretax return on assets | 1.0145% | 3,016 |
| Return on Equity (ROE) | 8.7473% | 2,498 |
| Retained earnings to average equity (ytd only) | -0.8300% | 4,595 |
| Net charge-offs to loans | -0.0425% | 4,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9608% | 1,305 |
| Assets per employee ($millions) | 5.3843% | 2,808 |
| Cash dividends to net income (ytd only)* | 109.4891% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,376 |
| Loan loss allowance to noncurrent loans | 2,331.8182% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,324 |
| Noncurrent loans to loans | 0.0458% | 4,199 |
| Net loans and leases to total assets | 60.9213% | 3,119 |
| Net loans and leases to deposits | 79.6832% | 2,350 |
| Net loans and leases to core deposits | 81.9287% | 2,669 |
| Total domestic deposits to total assets | 76.4544% | 4,389 |
| Equity capital to assets | 8.4217% | 4,503 |
| Core capital (leverage) ratio | 9.0237% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6850% | 1,329 |
| Memoranda: | ||
| Average total assets | $145,487,000 | 3,438 |
| Average earning assets | $140,212,500 | 3,366 |
| Average equity | $12,529,250 | 3,916 |
| Average total loans | $87,909,000 | 3,454 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9021% | 3,609 |
| Cost of funding earning assets | 0.4965% | 3,554 |
| Net interest margin | 3.4055% | 3,082 |
| Noninterest income to average assets | 0.2931% | 3,715 |
| Noninterest expense to average assets | 2.6900% | 2,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6303% | 3,639 |
| Return on assets (ROA) | 0.7750% | 3,247 |
| Pretax return on assets | 1.0625% | 2,828 |
| Return on Equity (ROE) | 8.9269% | 2,388 |
| Retained earnings to average equity (ytd only) | -5.6807% | 4,799 |
| Net charge-offs to loans | -0.0141% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3652% | 1,325 |
| Assets per employee ($millions) | 4.9363% | 3,257 |
| Cash dividends to net income (ytd only)* | 163.6364% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 3,496 |
| Loan loss allowance to noncurrent loans | 2,136.1702% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,395 |
| Noncurrent loans to loans | 0.0476% | 4,293 |
| Net loans and leases to total assets | 63.9231% | 2,892 |
| Net loans and leases to deposits | 82.4440% | 2,158 |
| Net loans and leases to core deposits | 84.7828% | 2,548 |
| Total domestic deposits to total assets | 77.5352% | 4,250 |
| Equity capital to assets | 8.3169% | 4,578 |
| Core capital (leverage) ratio | 9.2284% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4483% | 1,376 |
| Memoranda: | ||
| Average total assets | $141,934,667 | 3,460 |
| Average earning assets | $136,542,333 | 3,393 |
| Average equity | $12,322,333 | 3,943 |
| Average total loans | $85,161,667 | 3,495 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0747% | 3,595 |
| Cost of funding earning assets | 0.5480% | 3,707 |
| Net interest margin | 3.5267% | 2,890 |
| Noninterest income to average assets | 0.3314% | 3,543 |
| Noninterest expense to average assets | 2.8213% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6344% | 3,495 |
| Return on assets (ROA) | 0.6159% | 3,612 |
| Pretax return on assets | 0.8652% | 3,235 |
| Return on Equity (ROE) | 6.9307% | 2,978 |
| Retained earnings to average equity (ytd only) | -22.7723% | 4,990 |
| Net charge-offs to loans | -0.0153% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0474% | 1,558 |
| Assets per employee ($millions) | 4.0038% | 3,913 |
| Cash dividends to net income (ytd only)* | 428.5714% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,206 |
| Loan loss allowance to noncurrent loans | 1,925.0000% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 4,399 |
| Noncurrent loans to loans | 0.0668% | 4,270 |
| Net loans and leases to total assets | 61.9389% | 3,304 |
| Net loans and leases to deposits | 71.5857% | 3,474 |
| Net loans and leases to core deposits | 73.0821% | 3,691 |
| Total domestic deposits to total assets | 86.5242% | 1,766 |
| Equity capital to assets | 9.6238% | 4,111 |
| Core capital (leverage) ratio | 9.0740% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4076% | 1,500 |
| Memoranda: | ||
| Average total assets | $136,389,000 | 3,496 |
| Average earning assets | $130,659,500 | 3,438 |
| Average equity | $12,120,000 | 3,984 |
| Average total loans | $78,331,000 | 3,611 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5425% | 2,801 |
| Cost of funding earning assets | 0.5262% | 3,984 |
| Net interest margin | 4.0163% | 1,804 |
| Noninterest income to average assets | 0.3492% | 3,614 |
| Noninterest expense to average assets | 2.9709% | 2,094 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8563% | 3,372 |
| Return on assets (ROA) | 0.8387% | 3,511 |
| Pretax return on assets | 1.1802% | 2,908 |
| Return on Equity (ROE) | 9.1797% | 2,675 |
| Retained earnings to average equity (ytd only) | 2.8518% | 3,612 |
| Net charge-offs to loans | 0.0787% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 25.1613% | 1,742 |
| Efficiency ratio | 71.1858% | 1,993 |
| Assets per employee ($millions) | 4.7955% | 2,844 |
| Cash dividends to net income (ytd only)* | 68.9338% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,080 |
| Loan loss allowance to noncurrent loans | 1,814.5455% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,458 |
| Noncurrent loans to loans | 0.0698% | 4,256 |
| Net loans and leases to total assets | 52.3244% | 4,198 |
| Net loans and leases to deposits | 59.1629% | 4,326 |
| Net loans and leases to core deposits | 60.1646% | 4,432 |
| Total domestic deposits to total assets | 88.4413% | 911 |
| Equity capital to assets | 8.2706% | 4,989 |
| Core capital (leverage) ratio | 10.1226% | 3,388 |
| Tier 1 risk-based capital ratio | 16.4202% | 2,248 |
| Total risk-based capital ratio | 17.6704% | 2,184 |
| Memoranda: | ||
| Average total assets | $129,726,600 | 3,567 |
| Average earning assets | $123,522,800 | 3,510 |
| Average equity | $11,852,200 | 4,017 |
| Average total loans | $78,747,600 | 3,623 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 2,206 |
| Cost of funding earning assets | 0.5285% | 4,036 |
| Net interest margin | 4.2435% | 1,272 |
| Noninterest income to average assets | 0.3509% | 3,626 |
| Noninterest expense to average assets | 3.0294% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9626% | 3,109 |
| Return on assets (ROA) | 0.9440% | 3,265 |
| Pretax return on assets | 1.3238% | 2,589 |
| Return on Equity (ROE) | 10.0496% | 2,407 |
| Retained earnings to average equity (ytd only) | 1.5330% | 4,420 |
| Net charge-offs to loans | 0.1135% | 1,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 18.8510% | 2,033 |
| Efficiency ratio | 69.2176% | 2,222 |
| Assets per employee ($millions) | 3.8265% | 4,134 |
| Cash dividends to net income (ytd only)* | 84.7462% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,391 |
| Loan loss allowance to noncurrent loans | 1,683.0508% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 4,465 |
| Noncurrent loans to loans | 0.0726% | 4,312 |
| Net loans and leases to total assets | 67.6808% | 2,840 |
| Net loans and leases to deposits | 79.8351% | 2,916 |
| Net loans and leases to core deposits | 81.6083% | 3,275 |
| Total domestic deposits to total assets | 84.7758% | 2,519 |
| Equity capital to assets | 10.2268% | 3,796 |
| Core capital (leverage) ratio | 10.0918% | 3,542 |
| Tier 1 risk-based capital ratio | 15.9181% | 2,468 |
| Total risk-based capital ratio | 17.1680% | 2,402 |
| Memoranda: | ||
| Average total assets | $124,993,500 | 3,667 |
| Average earning assets | $118,579,000 | 3,615 |
| Average equity | $11,741,500 | 4,069 |
| Average total loans | $78,738,750 | 3,662 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 2,205 |
| Cost of funding earning assets | 0.4849% | 4,184 |
| Net interest margin | 4.2711% | 1,200 |
| Noninterest income to average assets | 0.3430% | 3,645 |
| Noninterest expense to average assets | 3.0035% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9925% | 2,950 |
| Return on assets (ROA) | 0.9739% | 3,080 |
| Pretax return on assets | 1.3625% | 2,333 |
| Return on Equity (ROE) | 10.6617% | 2,108 |
| Retained earnings to average equity (ytd only) | -2.2564% | 4,930 |
| Net charge-offs to loans | 0.1720% | 947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.1493% | 2,118 |
| Efficiency ratio | 68.4229% | 2,462 |
| Assets per employee ($millions) | 4.0283% | 3,828 |
| Cash dividends to net income (ytd only)* | 121.1632% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,070 |
| Loan loss allowance to noncurrent loans | 1,482.0896% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,488 |
| Noncurrent loans to loans | 0.0869% | 4,292 |
| Net loans and leases to total assets | 62.9758% | 3,453 |
| Net loans and leases to deposits | 73.7402% | 3,543 |
| Net loans and leases to core deposits | 75.3351% | 3,783 |
| Total domestic deposits to total assets | 85.4023% | 2,305 |
| Equity capital to assets | 9.8338% | 4,109 |
| Core capital (leverage) ratio | 9.9958% | 3,588 |
| Tier 1 risk-based capital ratio | 16.0306% | 2,401 |
| Total risk-based capital ratio | 17.2808% | 2,343 |
| Memoranda: | ||
| Average total assets | $127,118,000 | 3,662 |
| Average earning assets | $120,437,330 | 3,616 |
| Average equity | $11,611,670 | 4,099 |
| Average total loans | $77,893,000 | 3,695 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 3,186 |
| Cost of funding earning assets | 0.4466% | 4,304 |
| Net interest margin | 3.9640% | 1,969 |
| Noninterest income to average assets | 0.3317% | 3,642 |
| Noninterest expense to average assets | 2.9573% | 2,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7944% | 3,641 |
| Return on assets (ROA) | 0.7677% | 3,765 |
| Pretax return on assets | 1.0748% | 3,221 |
| Return on Equity (ROE) | 8.7142% | 2,941 |
| Retained earnings to average equity (ytd only) | -17.4284% | 5,236 |
| Net charge-offs to loans | -0.0102% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7341% | 1,922 |
| Assets per employee ($millions) | 3.9367% | 4,016 |
| Cash dividends to net income (ytd only)* | 300.0000% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 1,843 |
| Loan loss allowance to noncurrent loans | 107.2727% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5766% | 737 |
| Noncurrent loans to loans | 1.2641% | 1,302 |
| Net loans and leases to total assets | 65.4124% | 3,123 |
| Net loans and leases to deposits | 75.1479% | 3,339 |
| Net loans and leases to core deposits | 75.6260% | 3,683 |
| Total domestic deposits to total assets | 87.0449% | 1,791 |
| Equity capital to assets | 9.5893% | 4,172 |
| Core capital (leverage) ratio | 9.2918% | 4,374 |
| Tier 1 risk-based capital ratio | 14.9021% | 2,919 |
| Total risk-based capital ratio | 16.1538% | 2,847 |
| Memoranda: | ||
| Average total assets | $130,253,000 | 3,653 |
| Average earning assets | $122,704,500 | 3,619 |
| Average equity | $11,475,500 | 4,130 |
| Average total loans | $78,290,500 | 3,733 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3624% | 2,891 |
| Cost of funding earning assets | 0.4802% | 3,477 |
| Net interest margin | 3.8822% | 2,389 |
| Noninterest income to average assets | 0.4208% | 3,309 |
| Noninterest expense to average assets | 2.8798% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8653% | 3,555 |
| Return on assets (ROA) | 0.7564% | 3,950 |
| Pretax return on assets | 1.0617% | 3,407 |
| Return on Equity (ROE) | 8.5614% | 3,196 |
| Retained earnings to average equity (ytd only) | 1.4386% | 4,558 |
| Net charge-offs to loans | -0.0196% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5927% | 2,093 |
| Assets per employee ($millions) | 4.5937% | 3,027 |
| Cash dividends to net income (ytd only)* | 83.1967% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 1,812 |
| Loan loss allowance to noncurrent loans | 106.0000% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 951 |
| Noncurrent loans to loans | 1.2777% | 1,243 |
| Net loans and leases to total assets | 54.2161% | 4,266 |
| Net loans and leases to deposits | 60.9431% | 4,432 |
| Net loans and leases to core deposits | 61.2564% | 4,573 |
| Total domestic deposits to total assets | 88.9618% | 879 |
| Equity capital to assets | 8.1640% | 5,099 |
| Core capital (leverage) ratio | 9.8698% | 3,723 |
| Tier 1 risk-based capital ratio | 15.5304% | 2,602 |
| Total risk-based capital ratio | 16.7810% | 2,530 |
| Memoranda: | ||
| Average total assets | $129,037,600 | 3,660 |
| Average earning assets | $121,606,000 | 3,618 |
| Average equity | $11,400,000 | 4,101 |
| Average total loans | $76,532,600 | 3,739 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,458 |
| Cost of funding earning assets | 0.5053% | 3,164 |
| Net interest margin | 3.9459% | 2,144 |
| Noninterest income to average assets | 0.4275% | 3,304 |
| Noninterest expense to average assets | 2.8725% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9217% | 3,423 |
| Return on assets (ROA) | 0.7775% | 3,990 |
| Pretax return on assets | 1.0915% | 3,431 |
| Return on Equity (ROE) | 8.6156% | 3,285 |
| Retained earnings to average equity (ytd only) | -0.9285% | 5,132 |
| Net charge-offs to loans | -0.0193% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2760% | 2,308 |
| Assets per employee ($millions) | 3.8213% | 4,150 |
| Cash dividends to net income (ytd only)* | 110.7775% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 1,743 |
| Loan loss allowance to noncurrent loans | 482.1918% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 1,556 |
| Noncurrent loans to loans | 0.2881% | 3,653 |
| Net loans and leases to total assets | 63.2843% | 3,512 |
| Net loans and leases to deposits | 74.3814% | 3,561 |
| Net loans and leases to core deposits | 74.8410% | 3,889 |
| Total domestic deposits to total assets | 85.0809% | 2,576 |
| Equity capital to assets | 9.5417% | 4,037 |
| Core capital (leverage) ratio | 9.6317% | 4,013 |
| Tier 1 risk-based capital ratio | 15.4061% | 2,689 |
| Total risk-based capital ratio | 16.6580% | 2,619 |
| Memoranda: | ||
| Average total assets | $125,695,500 | 3,736 |
| Average earning assets | $118,465,500 | 3,711 |
| Average equity | $11,343,500 | 4,148 |
| Average total loans | $76,099,000 | 3,781 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 2,618 |
| Cost of funding earning assets | 0.5085% | 2,950 |
| Net interest margin | 3.8335% | 2,437 |
| Noninterest income to average assets | 0.4527% | 3,132 |
| Noninterest expense to average assets | 2.8226% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9119% | 3,410 |
| Return on assets (ROA) | 0.7306% | 4,100 |
| Pretax return on assets | 1.0257% | 3,584 |
| Return on Equity (ROE) | 8.2416% | 3,398 |
| Retained earnings to average equity (ytd only) | -6.0579% | 5,332 |
| Net charge-offs to loans | -0.0184% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2190% | 2,447 |
| Assets per employee ($millions) | 3.9445% | 3,997 |
| Cash dividends to net income (ytd only)* | 173.5043% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 1,843 |
| Loan loss allowance to noncurrent loans | 353.0201% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 1,520 |
| Noncurrent loans to loans | 0.3886% | 3,304 |
| Net loans and leases to total assets | 61.8484% | 3,618 |
| Net loans and leases to deposits | 72.6505% | 3,665 |
| Net loans and leases to core deposits | 72.8605% | 3,955 |
| Total domestic deposits to total assets | 85.1314% | 2,626 |
| Equity capital to assets | 9.0720% | 4,504 |
| Core capital (leverage) ratio | 9.3572% | 4,293 |
| Tier 1 risk-based capital ratio | 14.9092% | 2,917 |
| Total risk-based capital ratio | 16.1598% | 2,838 |
| Memoranda: | ||
| Average total assets | $128,107,670 | 3,734 |
| Average earning assets | $121,143,000 | 3,686 |
| Average equity | $11,357,000 | 4,174 |
| Average total loans | $76,124,670 | 3,803 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 3,249 |
| Cost of funding earning assets | 0.4854% | 2,903 |
| Net interest margin | 3.6103% | 3,135 |
| Noninterest income to average assets | 0.4213% | 3,308 |
| Noninterest expense to average assets | 2.7324% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7959% | 3,718 |
| Return on assets (ROA) | 0.7693% | 3,833 |
| Pretax return on assets | 1.0838% | 3,230 |
| Return on Equity (ROE) | 8.7736% | 3,018 |
| Retained earnings to average equity (ytd only) | -2.0890% | 5,016 |
| Net charge-offs to loans | -0.0211% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9754% | 2,345 |
| Assets per employee ($millions) | 3.8825% | 4,173 |
| Cash dividends to net income (ytd only)* | 123.8095% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,932 |
| Loan loss allowance to noncurrent loans | 298.8604% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 1,495 |
| Noncurrent loans to loans | 0.4607% | 3,149 |
| Net loans and leases to total assets | 62.4246% | 3,497 |
| Net loans and leases to deposits | 76.5874% | 3,151 |
| Net loans and leases to core deposits | 76.8223% | 3,595 |
| Total domestic deposits to total assets | 81.5077% | 4,091 |
| Equity capital to assets | 9.4310% | 4,150 |
| Core capital (leverage) ratio | 9.4001% | 4,190 |
| Tier 1 risk-based capital ratio | 15.4911% | 2,664 |
| Total risk-based capital ratio | 16.7425% | 2,604 |
| Memoranda: | ||
| Average total assets | $131,022,500 | 3,734 |
| Average earning assets | $124,421,500 | 3,673 |
| Average equity | $11,489,000 | 4,196 |
| Average total loans | $75,847,500 | 3,841 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8628% | 3,842 |
| Cost of funding earning assets | 0.4529% | 2,750 |
| Net interest margin | 3.4099% | 3,821 |
| Noninterest income to average assets | 0.4113% | 3,557 |
| Noninterest expense to average assets | 2.7747% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4969% | 4,386 |
| Return on assets (ROA) | 0.4691% | 4,494 |
| Pretax return on assets | 0.7911% | 4,272 |
| Return on Equity (ROE) | 5.4667% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.7174% | 2,999 |
| Net charge-offs to loans | -0.1391% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8767% | 1,503 |
| Assets per employee ($millions) | 4.5705% | 3,077 |
| Cash dividends to net income (ytd only)* | 32.0000% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 1,827 |
| Loan loss allowance to noncurrent loans | 343.7500% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 1,691 |
| Noncurrent loans to loans | 0.4026% | 3,320 |
| Net loans and leases to total assets | 52.5581% | 4,481 |
| Net loans and leases to deposits | 59.7493% | 4,582 |
| Net loans and leases to core deposits | 60.2482% | 4,746 |
| Total domestic deposits to total assets | 87.9643% | 1,522 |
| Equity capital to assets | 8.2061% | 5,296 |
| Core capital (leverage) ratio | 9.6914% | 3,823 |
| Tier 1 risk-based capital ratio | 15.6155% | 2,578 |
| Total risk-based capital ratio | 16.8664% | 2,517 |
| Memoranda: | ||
| Average total assets | $133,239,400 | 3,695 |
| Average earning assets | $124,960,600 | 3,669 |
| Average equity | $11,432,800 | 4,233 |
| Average total loans | $72,623,800 | 3,904 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 3,661 |
| Cost of funding earning assets | 0.4649% | 2,572 |
| Net interest margin | 3.4425% | 3,700 |
| Noninterest income to average assets | 0.4108% | 3,618 |
| Noninterest expense to average assets | 2.8369% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4757% | 4,810 |
| Return on assets (ROA) | 0.4464% | 4,919 |
| Pretax return on assets | 0.7433% | 4,505 |
| Return on Equity (ROE) | 5.1415% | 4,475 |
| Retained earnings to average equity (ytd only) | 2.7991% | 4,242 |
| Net charge-offs to loans | -0.1817% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2389% | 1,303 |
| Assets per employee ($millions) | 3.8259% | 4,271 |
| Cash dividends to net income (ytd only)* | 45.5580% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,885 |
| Loan loss allowance to noncurrent loans | 202.7237% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.2015% | 1,376 |
| Noncurrent loans to loans | 0.6914% | 2,636 |
| Net loans and leases to total assets | 61.8031% | 3,672 |
| Net loans and leases to deposits | 72.3832% | 3,730 |
| Net loans and leases to core deposits | 72.9037% | 4,073 |
| Total domestic deposits to total assets | 85.3833% | 2,565 |
| Equity capital to assets | 9.7754% | 4,171 |
| Core capital (leverage) ratio | 9.6626% | 3,976 |
| Tier 1 risk-based capital ratio | 15.6983% | 2,629 |
| Total risk-based capital ratio | 16.9503% | 2,569 |
| Memoranda: | ||
| Average total assets | $131,127,500 | 3,765 |
| Average earning assets | $122,467,000 | 3,744 |
| Average equity | $11,384,250 | 4,282 |
| Average total loans | $71,901,500 | 3,954 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 3,939 |
| Cost of funding earning assets | 0.4523% | 2,579 |
| Net interest margin | 3.3343% | 4,002 |
| Noninterest income to average assets | 0.3681% | 3,919 |
| Noninterest expense to average assets | 2.7464% | 2,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4416% | 4,867 |
| Return on assets (ROA) | 0.4095% | 4,987 |
| Pretax return on assets | 0.6770% | 4,608 |
| Return on Equity (ROE) | 4.8964% | 4,515 |
| Retained earnings to average equity (ytd only) | 1.3611% | 4,709 |
| Net charge-offs to loans | -0.2701% | 5,623 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0638% | 1,326 |
| Assets per employee ($millions) | 3.8660% | 4,177 |
| Cash dividends to net income (ytd only)* | 72.2022% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 1,849 |
| Loan loss allowance to noncurrent loans | 195.4887% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4978% | 1,019 |
| Noncurrent loans to loans | 0.7278% | 2,569 |
| Net loans and leases to total assets | 60.1255% | 3,834 |
| Net loans and leases to deposits | 70.5877% | 3,864 |
| Net loans and leases to core deposits | 71.0912% | 4,151 |
| Total domestic deposits to total assets | 85.1785% | 2,740 |
| Equity capital to assets | 9.5656% | 4,347 |
| Core capital (leverage) ratio | 9.7055% | 3,889 |
| Tier 1 risk-based capital ratio | 15.6787% | 2,630 |
| Total risk-based capital ratio | 16.9304% | 2,565 |
| Memoranda: | ||
| Average total assets | $135,302,000 | 3,735 |
| Average earning assets | $126,021,670 | 3,702 |
| Average equity | $11,314,330 | 4,307 |
| Average total loans | $71,087,670 | 3,986 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 4,047 |
| Cost of funding earning assets | 0.4321% | 2,697 |
| Net interest margin | 3.2891% | 4,047 |
| Noninterest income to average assets | 0.3300% | 4,188 |
| Noninterest expense to average assets | 2.6148% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4769% | 4,683 |
| Return on assets (ROA) | 0.4447% | 4,823 |
| Pretax return on assets | 0.7299% | 4,345 |
| Return on Equity (ROE) | 5.6586% | 4,056 |
| Retained earnings to average equity (ytd only) | -1.4591% | 5,122 |
| Net charge-offs to loans | -0.5194% | 5,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0181% | 1,755 |
| Assets per employee ($millions) | 3.7722% | 4,384 |
| Cash dividends to net income (ytd only)* | 125.7862% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 1,732 |
| Loan loss allowance to noncurrent loans | 194.1839% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5683% | 998 |
| Noncurrent loans to loans | 0.7666% | 2,561 |
| Net loans and leases to total assets | 58.5733% | 3,925 |
| Net loans and leases to deposits | 68.9057% | 3,901 |
| Net loans and leases to core deposits | 70.2650% | 4,130 |
| Total domestic deposits to total assets | 85.0050% | 3,088 |
| Equity capital to assets | 9.6195% | 4,166 |
| Core capital (leverage) ratio | 9.2676% | 4,386 |
| Tier 1 risk-based capital ratio | 16.0368% | 2,532 |
| Total risk-based capital ratio | 17.2889% | 2,485 |
| Memoranda: | ||
| Average total assets | $143,030,000 | 3,648 |
| Average earning assets | $133,289,000 | 3,638 |
| Average equity | $11,239,500 | 4,345 |
| Average total loans | $70,082,500 | 4,049 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 4,191 |
| Cost of funding earning assets | 0.5061% | 2,040 |
| Net interest margin | 3.1991% | 4,456 |
| Noninterest income to average assets | 0.3976% | 3,907 |
| Noninterest expense to average assets | 2.6740% | 3,434 |
| Loan and lease loss provision to assets | 0.0035% | 4,286 |
| Net operating income to assets | 0.3124% | 5,190 |
| Return on assets (ROA) | 0.2808% | 5,328 |
| Pretax return on assets | 0.4740% | 5,083 |
| Return on Equity (ROE) | 3.5790% | 4,990 |
| Retained earnings to average equity (ytd only) | 1.8072% | 4,498 |
| Net charge-offs to loans | 0.0521% | 2,997 |
| Credit loss provision to net charge-offs | 13.8889% | 3,718 |
| Earnings coverage of net charge-offs (x) | 21.0556% | 1,818 |
| Efficiency ratio | 83.5396% | 1,055 |
| Assets per employee ($millions) | 5.2850% | 2,080 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 2,352 |
| Loan loss allowance to noncurrent loans | 201.2793% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 1,622 |
| Noncurrent loans to loans | 0.6640% | 2,869 |
| Net loans and leases to total assets | 41.2078% | 5,269 |
| Net loans and leases to deposits | 46.1967% | 5,360 |
| Net loans and leases to core deposits | 46.6801% | 5,409 |
| Total domestic deposits to total assets | 89.2006% | 1,013 |
| Equity capital to assets | 6.6402% | 5,826 |
| Core capital (leverage) ratio | 9.2104% | 4,465 |
| Tier 1 risk-based capital ratio | 17.7038% | 1,943 |
| Total risk-based capital ratio | 18.9563% | 1,908 |
| Memoranda: | ||
| Average total assets | $143,868,000 | 3,609 |
| Average earning assets | $126,066,600 | 3,722 |
| Average equity | $11,288,000 | 4,380 |
| Average total loans | $69,034,200 | 4,067 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 3,300 |
| Cost of funding earning assets | 0.5559% | 1,638 |
| Net interest margin | 3.4228% | 3,763 |
| Noninterest income to average assets | 0.4430% | 3,607 |
| Noninterest expense to average assets | 2.8012% | 3,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3245% | 5,229 |
| Return on assets (ROA) | 0.2879% | 5,394 |
| Pretax return on assets | 0.5147% | 5,094 |
| Return on Equity (ROE) | 3.5036% | 5,081 |
| Retained earnings to average equity (ytd only) | 2.0879% | 4,648 |
| Net charge-offs to loans | 0.0039% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 294.6255% | 277 |
| Efficiency ratio | 83.0460% | 1,068 |
| Assets per employee ($millions) | 3.8263% | 4,260 |
| Cash dividends to net income (ytd only)* | 40.4051% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 2,300 |
| Loan loss allowance to noncurrent loans | 151.7941% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 1.7388% | 969 |
| Noncurrent loans to loans | 0.9079% | 2,428 |
| Net loans and leases to total assets | 56.8648% | 4,212 |
| Net loans and leases to deposits | 67.0457% | 4,240 |
| Net loans and leases to core deposits | 68.3127% | 4,438 |
| Total domestic deposits to total assets | 84.8150% | 2,886 |
| Equity capital to assets | 9.4705% | 4,688 |
| Core capital (leverage) ratio | 9.3051% | 4,452 |
| Tier 1 risk-based capital ratio | 14.6844% | 3,199 |
| Total risk-based capital ratio | 15.9345% | 3,138 |
| Memoranda: | ||
| Average total assets | $137,554,750 | 3,735 |
| Average earning assets | $117,755,500 | 3,892 |
| Average equity | $11,302,500 | 4,413 |
| Average total loans | $68,634,000 | 4,104 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 3,454 |
| Cost of funding earning assets | 0.5596% | 1,620 |
| Net interest margin | 3.3845% | 3,947 |
| Noninterest income to average assets | 0.3661% | 4,138 |
| Noninterest expense to average assets | 2.7351% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2625% | 5,408 |
| Return on assets (ROA) | 0.2328% | 5,529 |
| Pretax return on assets | 0.4264% | 5,291 |
| Return on Equity (ROE) | 2.9631% | 5,254 |
| Retained earnings to average equity (ytd only) | 0.8211% | 5,054 |
| Net charge-offs to loans | -0.0088% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2645% | 942 |
| Assets per employee ($millions) | 3.9655% | 3,977 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 2,207 |
| Loan loss allowance to noncurrent loans | 147.5113% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 1.8263% | 935 |
| Noncurrent loans to loans | 0.9627% | 2,354 |
| Net loans and leases to total assets | 55.2294% | 4,391 |
| Net loans and leases to deposits | 65.6263% | 4,380 |
| Net loans and leases to core deposits | 67.4807% | 4,512 |
| Total domestic deposits to total assets | 84.1575% | 3,212 |
| Equity capital to assets | 9.3648% | 4,899 |
| Core capital (leverage) ratio | 9.0695% | 4,752 |
| Tier 1 risk-based capital ratio | 14.8803% | 3,129 |
| Total risk-based capital ratio | 16.1299% | 3,066 |
| Memoranda: | ||
| Average total assets | $142,592,000 | 3,661 |
| Average earning assets | $119,723,000 | 3,888 |
| Average equity | $11,204,670 | 4,448 |
| Average total loans | $67,978,670 | 4,152 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,427 |
| Cost of funding earning assets | 0.5613% | 1,614 |
| Net interest margin | 3.3806% | 3,936 |
| Noninterest income to average assets | 0.3070% | 4,530 |
| Noninterest expense to average assets | 2.6111% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2647% | 5,397 |
| Return on assets (ROA) | 0.2362% | 5,524 |
| Pretax return on assets | 0.3858% | 5,337 |
| Return on Equity (ROE) | 3.2576% | 5,137 |
| Retained earnings to average equity (ytd only) | -1.0859% | 5,291 |
| Net charge-offs to loans | -0.0178% | 4,800 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8499% | 988 |
| Assets per employee ($millions) | 3.7783% | 4,343 |
| Cash dividends to net income (ytd only)* | 133.3333% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 2,175 |
| Loan loss allowance to noncurrent loans | 145.5357% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.8750% | 964 |
| Noncurrent loans to loans | 1.0001% | 2,387 |
| Net loans and leases to total assets | 54.7673% | 4,377 |
| Net loans and leases to deposits | 66.6402% | 4,193 |
| Net loans and leases to core deposits | 68.4258% | 4,360 |
| Total domestic deposits to total assets | 82.1837% | 4,161 |
| Equity capital to assets | 9.2179% | 4,973 |
| Core capital (leverage) ratio | 8.7705% | 5,100 |
| Tier 1 risk-based capital ratio | 14.9468% | 3,188 |
| Total risk-based capital ratio | 16.1970% | 3,121 |
| Memoranda: | ||
| Average total assets | $152,423,500 | 3,550 |
| Average earning assets | $123,293,000 | 3,840 |
| Average equity | $11,051,000 | 4,497 |
| Average total loans | $67,532,500 | 4,176 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8701% | 3,809 |
| Cost of funding earning assets | 0.5589% | 1,684 |
| Net interest margin | 3.3112% | 4,248 |
| Noninterest income to average assets | 0.1937% | 5,428 |
| Noninterest expense to average assets | 2.6566% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2260% | 5,522 |
| Return on assets (ROA) | 0.1660% | 5,699 |
| Pretax return on assets | 0.2814% | 5,557 |
| Return on Equity (ROE) | 2.2470% | 5,511 |
| Retained earnings to average equity (ytd only) | 1.3793% | 4,941 |
| Net charge-offs to loans | 0.1513% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.3462% | 3,407 |
| Efficiency ratio | 87.6252% | 857 |
| Assets per employee ($millions) | 5.5740% | 1,717 |
| Cash dividends to net income (ytd only)* | 38.6179% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 2,264 |
| Loan loss allowance to noncurrent loans | 119.1932% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3118% | 1,621 |
| Noncurrent loans to loans | 1.2052% | 1,957 |
| Net loans and leases to total assets | 36.3676% | 5,697 |
| Net loans and leases to deposits | 40.7439% | 5,748 |
| Net loans and leases to core deposits | 41.3338% | 5,784 |
| Total domestic deposits to total assets | 89.2591% | 987 |
| Equity capital to assets | 5.9568% | 6,120 |
| Core capital (leverage) ratio | 8.5555% | 5,369 |
| Tier 1 risk-based capital ratio | 13.3210% | 4,092 |
| Total risk-based capital ratio | 14.5046% | 4,078 |
| Memoranda: | ||
| Average total assets | $148,195,600 | 3,598 |
| Average earning assets | $127,024,000 | 3,756 |
| Average equity | $10,947,800 | 4,490 |
| Average total loans | $68,751,000 | 4,124 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 3,493 |
| Cost of funding earning assets | 0.5771% | 1,567 |
| Net interest margin | 3.3825% | 4,026 |
| Noninterest income to average assets | 0.1168% | 5,890 |
| Noninterest expense to average assets | 2.8579% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1797% | 5,713 |
| Return on assets (ROA) | 0.1111% | 5,870 |
| Pretax return on assets | 0.1877% | 5,807 |
| Return on Equity (ROE) | 1.4130% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.2558% | 5,531 |
| Net charge-offs to loans | 0.1082% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.5004% | 3,193 |
| Efficiency ratio | 90.6468% | 657 |
| Assets per employee ($millions) | 3.9212% | 4,034 |
| Cash dividends to net income (ytd only)* | 81.8958% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 2,118 |
| Loan loss allowance to noncurrent loans | 84.1283% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.3346% | 775 |
| Noncurrent loans to loans | 1.7948% | 1,325 |
| Net loans and leases to total assets | 51.5672% | 4,793 |
| Net loans and leases to deposits | 60.9661% | 4,787 |
| Net loans and leases to core deposits | 62.4455% | 4,910 |
| Total domestic deposits to total assets | 84.5835% | 3,182 |
| Equity capital to assets | 8.5641% | 5,667 |
| Core capital (leverage) ratio | 8.4686% | 5,574 |
| Tier 1 risk-based capital ratio | 14.4899% | 3,581 |
| Total risk-based capital ratio | 15.7415% | 3,490 |
| Memoranda: | ||
| Average total assets | $139,259,250 | 3,768 |
| Average earning assets | $124,993,750 | 3,831 |
| Average equity | $10,945,500 | 4,545 |
| Average total loans | $68,971,250 | 4,157 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8997% | 3,695 |
| Cost of funding earning assets | 0.5711% | 1,639 |
| Net interest margin | 3.3286% | 4,180 |
| Noninterest income to average assets | -0.0154% | 6,279 |
| Noninterest expense to average assets | 2.8608% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0774% | 5,907 |
| Return on assets (ROA) | -0.0168% | 6,036 |
| Pretax return on assets | -0.0182% | 6,030 |
| Return on Equity (ROE) | -0.2202% | 6,042 |
| Retained earnings to average equity (ytd only) | -0.2202% | 5,548 |
| Net charge-offs to loans | 0.1701% | 1,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.0169% | 3,587 |
| Efficiency ratio | 97.1415% | 401 |
| Assets per employee ($millions) | 3.9553% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 2,326 |
| Loan loss allowance to noncurrent loans | 136.5462% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.0724% | 1,044 |
| Noncurrent loans to loans | 1.0938% | 2,465 |
| Net loans and leases to total assets | 53.1540% | 4,642 |
| Net loans and leases to deposits | 63.2924% | 4,596 |
| Net loans and leases to core deposits | 65.0223% | 4,726 |
| Total domestic deposits to total assets | 83.9817% | 3,568 |
| Equity capital to assets | 8.6009% | 5,598 |
| Core capital (leverage) ratio | 8.5899% | 5,449 |
| Tier 1 risk-based capital ratio | 14.3266% | 3,744 |
| Total risk-based capital ratio | 15.5784% | 3,660 |
| Memoranda: | ||
| Average total assets | $142,545,670 | 3,743 |
| Average earning assets | $126,779,000 | 3,825 |
| Average equity | $10,900,000 | 4,579 |
| Average total loans | $69,378,000 | 4,180 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 3,570 |
| Cost of funding earning assets | 0.5526% | 1,816 |
| Net interest margin | 3.3551% | 4,004 |
| Noninterest income to average assets | -0.4730% | 6,398 |
| Noninterest expense to average assets | 2.6572% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1292% | 6,118 |
| Return on assets (ROA) | -0.1913% | 6,165 |
| Pretax return on assets | -0.2631% | 6,179 |
| Return on Equity (ROE) | -2.6405% | 6,203 |
| Retained earnings to average equity (ytd only) | -2.6405% | 5,759 |
| Net charge-offs to loans | 0.3490% | 698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.0984% | 3,177 |
| Efficiency ratio | 107.1811% | 221 |
| Assets per employee ($millions) | 3.7483% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 2,556 |
| Loan loss allowance to noncurrent loans | 107.1579% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 2.3179% | 961 |
| Noncurrent loans to loans | 1.3768% | 2,085 |
| Net loans and leases to total assets | 53.3446% | 4,510 |
| Net loans and leases to deposits | 63.4445% | 4,434 |
| Net loans and leases to core deposits | 65.2582% | 4,591 |
| Total domestic deposits to total assets | 84.0807% | 3,793 |
| Equity capital to assets | 8.5976% | 5,663 |
| Core capital (leverage) ratio | 8.3331% | 5,690 |
| Tier 1 risk-based capital ratio | 13.7849% | 4,157 |
| Total risk-based capital ratio | 15.0461% | 4,072 |
| Memoranda: | ||
| Average total assets | $150,534,500 | 3,645 |
| Average earning assets | $132,457,000 | 3,740 |
| Average equity | $10,907,000 | 4,615 |
| Average total loans | $69,919,000 | 4,181 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,664 |
| Cost of funding earning assets | 0.6366% | 1,502 |
| Net interest margin | 3.3807% | 4,274 |
| Noninterest income to average assets | 0.3845% | 4,298 |
| Noninterest expense to average assets | 2.9117% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1988% | 5,768 |
| Return on assets (ROA) | 0.1324% | 5,954 |
| Pretax return on assets | 0.2250% | 5,830 |
| Return on Equity (ROE) | 1.7642% | 5,829 |
| Retained earnings to average equity (ytd only) | -0.5571% | 5,857 |
| Net charge-offs to loans | 0.1558% | 2,475 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.4112% | 3,660 |
| Efficiency ratio | 89.8538% | 852 |
| Assets per employee ($millions) | 5.2614% | 2,001 |
| Cash dividends to net income (ytd only)* | 131.5789% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 2,372 |
| Loan loss allowance to noncurrent loans | 108.9899% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.9052% | 1,350 |
| Noncurrent loans to loans | 1.3976% | 2,097 |
| Net loans and leases to total assets | 40.1766% | 5,730 |
| Net loans and leases to deposits | 45.6734% | 5,807 |
| Net loans and leases to core deposits | 46.5661% | 5,864 |
| Total domestic deposits to total assets | 87.9649% | 1,792 |
| Equity capital to assets | 6.2531% | 6,396 |
| Core capital (leverage) ratio | 6.9201% | 6,324 |
| Tier 1 risk-based capital ratio | 12.5663% | 4,994 |
| Total risk-based capital ratio | 13.8151% | 4,910 |
| Memoranda: | ||
| Average total assets | $143,557,000 | 3,729 |
| Average earning assets | $121,276,000 | 3,931 |
| Average equity | $10,770,000 | 4,604 |
| Average total loans | $68,677,800 | 4,219 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2502% | 2,804 |
| Cost of funding earning assets | 0.6829% | 1,240 |
| Net interest margin | 3.5674% | 3,565 |
| Noninterest income to average assets | 0.3009% | 5,043 |
| Noninterest expense to average assets | 3.1225% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1321% | 5,974 |
| Return on assets (ROA) | 0.0588% | 6,102 |
| Pretax return on assets | 0.0862% | 6,076 |
| Return on Equity (ROE) | 0.7443% | 6,070 |
| Retained earnings to average equity (ytd only) | -2.3569% | 6,099 |
| Net charge-offs to loans | 0.1663% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.3294% | 3,942 |
| Efficiency ratio | 94.1489% | 589 |
| Assets per employee ($millions) | 4.2298% | 3,421 |
| Cash dividends to net income (ytd only)* | 416.6625% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 2,227 |
| Loan loss allowance to noncurrent loans | 104.5584% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 2.5010% | 1,052 |
| Noncurrent loans to loans | 1.5517% | 2,089 |
| Net loans and leases to total assets | 47.8278% | 5,221 |
| Net loans and leases to deposits | 56.1609% | 5,228 |
| Net loans and leases to core deposits | 57.6040% | 5,354 |
| Total domestic deposits to total assets | 85.1621% | 3,276 |
| Equity capital to assets | 7.6493% | 6,273 |
| Core capital (leverage) ratio | 8.2396% | 5,891 |
| Tier 1 risk-based capital ratio | 13.3224% | 4,663 |
| Total risk-based capital ratio | 14.5734% | 4,598 |
| Memoranda: | ||
| Average total assets | $136,039,750 | 3,899 |
| Average earning assets | $115,002,500 | 4,109 |
| Average equity | $10,748,250 | 4,638 |
| Average total loans | $68,138,250 | 4,273 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4372% | 2,048 |
| Cost of funding earning assets | 0.7164% | 1,109 |
| Net interest margin | 3.7208% | 2,874 |
| Noninterest income to average assets | 0.3604% | 4,538 |
| Noninterest expense to average assets | 3.1307% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1896% | 5,867 |
| Return on assets (ROA) | 0.1201% | 6,049 |
| Pretax return on assets | 0.1824% | 5,968 |
| Return on Equity (ROE) | 1.5039% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.5039% | 5,142 |
| Net charge-offs to loans | 0.2579% | 1,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.2045% | 3,609 |
| Efficiency ratio | 91.5835% | 792 |
| Assets per employee ($millions) | 3.7265% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 2,419 |
| Loan loss allowance to noncurrent loans | 119.2182% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 3.1161% | 812 |
| Noncurrent loans to loans | 1.3522% | 2,549 |
| Net loans and leases to total assets | 54.4953% | 4,483 |
| Net loans and leases to deposits | 66.2086% | 4,251 |
| Net loans and leases to core deposits | 68.0245% | 4,464 |
| Total domestic deposits to total assets | 82.3085% | 4,544 |
| Equity capital to assets | 8.9580% | 5,344 |
| Core capital (leverage) ratio | 9.0616% | 4,925 |
| Tier 1 risk-based capital ratio | 13.6265% | 4,506 |
| Total risk-based capital ratio | 14.8783% | 4,446 |
| Memoranda: | ||
| Average total assets | $134,859,000 | 3,943 |
| Average earning assets | $110,836,330 | 4,223 |
| Average equity | $10,772,000 | 4,658 |
| Average total loans | $68,231,000 | 4,290 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5761% | 1,568 |
| Cost of funding earning assets | 0.7279% | 1,089 |
| Net interest margin | 3.8483% | 2,278 |
| Noninterest income to average assets | 0.1989% | 5,767 |
| Noninterest expense to average assets | 2.9744% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1843% | 5,845 |
| Return on assets (ROA) | 0.1278% | 6,007 |
| Pretax return on assets | 0.1790% | 5,956 |
| Return on Equity (ROE) | 1.6901% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.6901% | 4,939 |
| Net charge-offs to loans | 0.4686% | 773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1375% | 3,167 |
| Efficiency ratio | 92.0035% | 882 |
| Assets per employee ($millions) | 3.5886% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 2,552 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 3.4070% | 776 |
| Noncurrent loans to loans | 1.6379% | 2,377 |
| Net loans and leases to total assets | 54.4373% | 4,362 |
| Net loans and leases to deposits | 66.0764% | 4,086 |
| Net loans and leases to core deposits | 67.9711% | 4,314 |
| Total domestic deposits to total assets | 82.3853% | 4,821 |
| Equity capital to assets | 8.8409% | 5,284 |
| Core capital (leverage) ratio | 8.8957% | 5,148 |
| Tier 1 risk-based capital ratio | 13.6641% | 4,566 |
| Total risk-based capital ratio | 14.9134% | 4,519 |
| Memoranda: | ||
| Average total assets | $140,801,500 | 3,865 |
| Average earning assets | $111,010,500 | 4,247 |
| Average equity | $10,650,000 | 4,696 |
| Average total loans | $68,290,000 | 4,320 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 1,751 |
| Cost of funding earning assets | 0.7985% | 1,219 |
| Net interest margin | 3.8383% | 2,506 |
| Noninterest income to average assets | 0.5032% | 3,733 |
| Noninterest expense to average assets | 3.1575% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3482% | 5,341 |
| Return on assets (ROA) | 0.3769% | 5,350 |
| Pretax return on assets | 0.6325% | 4,761 |
| Return on Equity (ROE) | 4.5854% | 4,842 |
| Retained earnings to average equity (ytd only) | -3.4591% | 6,289 |
| Net charge-offs to loans | 0.2763% | 2,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.3011% | 3,610 |
| Efficiency ratio | 84.3076% | 1,595 |
| Assets per employee ($millions) | 4.8361% | 2,394 |
| Cash dividends to net income (ytd only)* | 175.4386% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 2,344 |
| Loan loss allowance to noncurrent loans | 86.6959% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 2.7138% | 1,229 |
| Noncurrent loans to loans | 1.9811% | 2,008 |
| Net loans and leases to total assets | 42.5262% | 5,794 |
| Net loans and leases to deposits | 50.0210% | 5,766 |
| Net loans and leases to core deposits | 50.8843% | 5,881 |
| Total domestic deposits to total assets | 85.0167% | 3,743 |
| Equity capital to assets | 6.5875% | 6,556 |
| Core capital (leverage) ratio | 8.7421% | 5,368 |
| Tier 1 risk-based capital ratio | 12.2766% | 5,446 |
| Total risk-based capital ratio | 13.5274% | 5,370 |
| Memoranda: | ||
| Average total assets | $136,118,600 | 3,953 |
| Average earning assets | $114,971,600 | 4,163 |
| Average equity | $11,187,800 | 4,601 |
| Average total loans | $67,310,600 | 4,364 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 1,744 |
| Cost of funding earning assets | 0.8160% | 1,233 |
| Net interest margin | 3.8370% | 2,508 |
| Noninterest income to average assets | 0.4596% | 4,083 |
| Noninterest expense to average assets | 3.4415% | 1,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2739% | 5,693 |
| Return on assets (ROA) | 0.2150% | 5,956 |
| Pretax return on assets | 0.3388% | 5,778 |
| Return on Equity (ROE) | 2.4655% | 5,800 |
| Retained earnings to average equity (ytd only) | -0.4696% | 6,037 |
| Net charge-offs to loans | 0.1475% | 3,066 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.6894% | 3,130 |
| Efficiency ratio | 88.8713% | 1,095 |
| Assets per employee ($millions) | 3.7599% | 4,322 |
| Cash dividends to net income (ytd only)* | 119.0507% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9604% | 1,825 |
| Loan loss allowance to noncurrent loans | 76.3081% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 3.8000% | 856 |
| Noncurrent loans to loans | 2.5691% | 1,670 |
| Net loans and leases to total assets | 52.3155% | 4,839 |
| Net loans and leases to deposits | 63.9912% | 4,524 |
| Net loans and leases to core deposits | 65.9876% | 4,715 |
| Total domestic deposits to total assets | 81.7542% | 5,010 |
| Equity capital to assets | 8.9557% | 5,241 |
| Core capital (leverage) ratio | 9.1110% | 4,953 |
| Tier 1 risk-based capital ratio | 14.3491% | 4,186 |
| Total risk-based capital ratio | 15.6042% | 4,128 |
| Memoranda: | ||
| Average total assets | $130,250,500 | 4,107 |
| Average earning assets | $115,851,000 | 4,181 |
| Average equity | $11,356,500 | 4,617 |
| Average total loans | $66,874,750 | 4,412 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 2,000 |
| Cost of funding earning assets | 0.8203% | 1,303 |
| Net interest margin | 3.7388% | 2,810 |
| Noninterest income to average assets | 0.5336% | 3,618 |
| Noninterest expense to average assets | 3.4843% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2486% | 5,780 |
| Return on assets (ROA) | 0.1149% | 6,193 |
| Pretax return on assets | 0.1708% | 6,123 |
| Return on Equity (ROE) | 1.3289% | 6,139 |
| Retained earnings to average equity (ytd only) | 1.3289% | 5,358 |
| Net charge-offs to loans | 0.2176% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.3562% | 3,417 |
| Efficiency ratio | 90.3922% | 1,032 |
| Assets per employee ($millions) | 3.4550% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 1,955 |
| Loan loss allowance to noncurrent loans | 61.0432% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 4.3862% | 756 |
| Noncurrent loans to loans | 3.2012% | 1,373 |
| Net loans and leases to total assets | 53.8974% | 4,605 |
| Net loans and leases to deposits | 67.1627% | 4,122 |
| Net loans and leases to core deposits | 68.1052% | 4,485 |
| Total domestic deposits to total assets | 80.2491% | 5,548 |
| Equity capital to assets | 9.4082% | 4,708 |
| Core capital (leverage) ratio | 9.3653% | 4,445 |
| Tier 1 risk-based capital ratio | 14.7600% | 3,933 |
| Total risk-based capital ratio | 16.0275% | 3,887 |
| Memoranda: | ||
| Average total assets | $132,308,000 | 4,093 |
| Average earning assets | $117,524,000 | 4,168 |
| Average equity | $11,438,000 | 4,638 |
| Average total loans | $67,096,330 | 4,420 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 2,397 |
| Cost of funding earning assets | 0.8058% | 1,496 |
| Net interest margin | 3.6310% | 3,136 |
| Noninterest income to average assets | 0.1826% | 6,173 |
| Noninterest expense to average assets | 3.4783% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0063% | 6,333 |
| Return on assets (ROA) | -0.1217% | 6,511 |
| Pretax return on assets | -0.2696% | 6,583 |
| Return on Equity (ROE) | -1.4649% | 6,534 |
| Retained earnings to average equity (ytd only) | -1.4649% | 6,018 |
| Net charge-offs to loans | 0.3620% | 1,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3934% | 3,910 |
| Efficiency ratio | 102.0408% | 484 |
| Assets per employee ($millions) | 3.7974% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 2,058 |
| Loan loss allowance to noncurrent loans | 61.9565% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 4.3363% | 866 |
| Noncurrent loans to loans | 3.2200% | 1,519 |
| Net loans and leases to total assets | 51.3937% | 4,782 |
| Net loans and leases to deposits | 64.1602% | 4,296 |
| Net loans and leases to core deposits | 65.0302% | 4,649 |
| Total domestic deposits to total assets | 80.1021% | 5,732 |
| Equity capital to assets | 9.1314% | 5,332 |
| Core capital (leverage) ratio | 8.8222% | 5,151 |
| Tier 1 risk-based capital ratio | 14.4191% | 4,231 |
| Total risk-based capital ratio | 15.6741% | 4,194 |
| Memoranda: | ||
| Average total assets | $137,999,000 | 4,020 |
| Average earning assets | $122,609,500 | 4,107 |
| Average equity | $11,468,500 | 4,682 |
| Average total loans | $67,407,000 | 4,444 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 1,439 |
| Cost of funding earning assets | 0.9222% | 1,806 |
| Net interest margin | 4.1258% | 1,895 |
| Noninterest income to average assets | 0.1948% | 6,020 |
| Noninterest expense to average assets | 2.9829% | 3,341 |
| Loan and lease loss provision to assets | 0.0683% | 4,898 |
| Net operating income to assets | 0.4552% | 4,865 |
| Return on assets (ROA) | 0.3802% | 5,409 |
| Pretax return on assets | 0.6246% | 4,912 |
| Return on Equity (ROE) | 4.9338% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.9338% | 2,746 |
| Net charge-offs to loans | 0.9165% | 1,228 |
| Credit loss provision to net charge-offs | 14.5929% | 5,349 |
| Earnings coverage of net charge-offs (x) | 1.7312% | 4,568 |
| Efficiency ratio | 78.6432% | 2,334 |
| Assets per employee ($millions) | 4.4319% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9856% | 2,051 |
| Loan loss allowance to noncurrent loans | 61.3321% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 3.7489% | 1,185 |
| Noncurrent loans to loans | 3.2374% | 1,595 |
| Net loans and leases to total assets | 44.9467% | 5,734 |
| Net loans and leases to deposits | 53.9761% | 5,650 |
| Net loans and leases to core deposits | 54.5600% | 5,837 |
| Total domestic deposits to total assets | 83.2715% | 4,614 |
| Equity capital to assets | 7.6279% | 6,582 |
| Core capital (leverage) ratio | 8.3059% | 5,880 |
| Tier 1 risk-based capital ratio | 14.0551% | 4,343 |
| Total risk-based capital ratio | 15.3112% | 4,295 |
| Memoranda: | ||
| Average total assets | $139,128,400 | 3,965 |
| Average earning assets | $121,334,600 | 4,081 |
| Average equity | $10,722,000 | 4,811 |
| Average total loans | $71,032,400 | 4,324 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 1,100 |
| Cost of funding earning assets | 0.9716% | 1,729 |
| Net interest margin | 4.2775% | 1,537 |
| Noninterest income to average assets | 0.1311% | 6,480 |
| Noninterest expense to average assets | 3.0563% | 3,034 |
| Loan and lease loss provision to assets | 0.0930% | 4,428 |
| Net operating income to assets | 0.4279% | 5,125 |
| Return on assets (ROA) | 0.3396% | 5,678 |
| Pretax return on assets | 0.5706% | 5,255 |
| Return on Equity (ROE) | 4.3941% | 5,100 |
| Retained earnings to average equity (ytd only) | 4.3941% | 3,797 |
| Net charge-offs to loans | 0.9210% | 1,176 |
| Credit loss provision to net charge-offs | 19.2308% | 4,965 |
| Earnings coverage of net charge-offs (x) | 1.6579% | 4,447 |
| Efficiency ratio | 79.2237% | 2,203 |
| Assets per employee ($millions) | 4.1123% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2343% | 1,642 |
| Loan loss allowance to noncurrent loans | 65.9052% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 4.5657% | 1,008 |
| Noncurrent loans to loans | 3.3901% | 1,612 |
| Net loans and leases to total assets | 49.3011% | 5,403 |
| Net loans and leases to deposits | 60.6260% | 5,133 |
| Net loans and leases to core deposits | 61.5184% | 5,401 |
| Total domestic deposits to total assets | 81.3200% | 5,257 |
| Equity capital to assets | 8.2789% | 6,434 |
| Core capital (leverage) ratio | 7.9488% | 6,366 |
| Tier 1 risk-based capital ratio | 13.8803% | 4,628 |
| Total risk-based capital ratio | 15.1500% | 4,566 |
| Memoranda: | ||
| Average total assets | $136,239,750 | 4,058 |
| Average earning assets | $118,697,000 | 4,182 |
| Average equity | $10,529,000 | 4,907 |
| Average total loans | $71,515,750 | 4,340 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3733% | 921 |
| Cost of funding earning assets | 0.9867% | 1,846 |
| Net interest margin | 4.3866% | 1,238 |
| Noninterest income to average assets | -0.0323% | 7,037 |
| Noninterest expense to average assets | 3.1433% | 2,770 |
| Loan and lease loss provision to assets | 0.1393% | 3,776 |
| Net operating income to assets | 0.2954% | 5,634 |
| Return on assets (ROA) | 0.2082% | 6,074 |
| Pretax return on assets | 0.3489% | 5,831 |
| Return on Equity (ROE) | 2.7590% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.7590% | 4,782 |
| Net charge-offs to loans | 1.1965% | 904 |
| Credit loss provision to net charge-offs | 21.8894% | 4,574 |
| Earnings coverage of net charge-offs (x) | 0.9816% | 4,541 |
| Efficiency ratio | 83.4241% | 1,691 |
| Assets per employee ($millions) | 3.6172% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3167% | 1,561 |
| Loan loss allowance to noncurrent loans | 60.3723% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 5.4701% | 820 |
| Noncurrent loans to loans | 3.8374% | 1,460 |
| Net loans and leases to total assets | 50.0605% | 5,346 |
| Net loans and leases to deposits | 61.9650% | 4,996 |
| Net loans and leases to core deposits | 63.0923% | 5,291 |
| Total domestic deposits to total assets | 80.7884% | 5,531 |
| Equity capital to assets | 7.9067% | 6,629 |
| Core capital (leverage) ratio | 8.2873% | 5,931 |
| Tier 1 risk-based capital ratio | 13.3035% | 4,963 |
| Total risk-based capital ratio | 14.5616% | 4,925 |
| Memoranda: | ||
| Average total assets | $136,417,330 | 4,066 |
| Average earning assets | $118,177,670 | 4,216 |
| Average equity | $10,293,670 | 4,966 |
| Average total loans | $72,543,000 | 4,329 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5421% | 706 |
| Cost of funding earning assets | 0.9978% | 1,993 |
| Net interest margin | 4.5443% | 933 |
| Noninterest income to average assets | -0.4677% | 7,249 |
| Noninterest expense to average assets | 3.0151% | 3,190 |
| Loan and lease loss provision to assets | 0.2759% | 2,253 |
| Net operating income to assets | 0.0845% | 6,268 |
| Return on assets (ROA) | -0.0029% | 6,535 |
| Pretax return on assets | -0.0058% | 6,536 |
| Return on Equity (ROE) | -0.0394% | 6,539 |
| Retained earnings to average equity (ytd only) | -0.0394% | 5,995 |
| Net charge-offs to loans | 1.9377% | 493 |
| Credit loss provision to net charge-offs | 26.3158% | 3,686 |
| Earnings coverage of net charge-offs (x) | 0.3878% | 4,164 |
| Efficiency ratio | 88.1154% | 1,276 |
| Assets per employee ($millions) | 3.6870% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3158% | 1,644 |
| Loan loss allowance to noncurrent loans | 70.2451% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 5.3868% | 933 |
| Noncurrent loans to loans | 3.2968% | 1,932 |
| Net loans and leases to total assets | 52.8174% | 4,906 |
| Net loans and leases to deposits | 65.3757% | 4,449 |
| Net loans and leases to core deposits | 66.5752% | 4,847 |
| Total domestic deposits to total assets | 80.7905% | 5,655 |
| Equity capital to assets | 7.8422% | 6,617 |
| Core capital (leverage) ratio | 8.4641% | 5,650 |
| Tier 1 risk-based capital ratio | 12.5741% | 5,544 |
| Total risk-based capital ratio | 13.8327% | 5,502 |
| Memoranda: | ||
| Average total assets | $137,708,000 | 4,079 |
| Average earning assets | $117,861,000 | 4,253 |
| Average equity | $10,149,500 | 5,003 |
| Average total loans | $74,520,500 | 4,291 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7311% | 735 |
| Cost of funding earning assets | 1.3127% | 1,422 |
| Net interest margin | 4.4184% | 1,353 |
| Noninterest income to average assets | 0.1898% | 6,144 |
| Noninterest expense to average assets | 2.9838% | 3,651 |
| Loan and lease loss provision to assets | 0.3175% | 3,142 |
| Net operating income to assets | 0.4401% | 4,687 |
| Return on assets (ROA) | 0.3803% | 5,122 |
| Pretax return on assets | 0.6471% | 4,523 |
| Return on Equity (ROE) | 5.4696% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.4696% | 2,321 |
| Net charge-offs to loans | 0.3459% | 3,672 |
| Credit loss provision to net charge-offs | 164.8148% | 1,653 |
| Earnings coverage of net charge-offs (x) | 5.4926% | 2,774 |
| Efficiency ratio | 73.8217% | 3,265 |
| Assets per employee ($millions) | 3.9635% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4950% | 1,322 |
| Loan loss allowance to noncurrent loans | 50.1561% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 6.0175% | 813 |
| Noncurrent loans to loans | 4.9745% | 1,136 |
| Net loans and leases to total assets | 52.8058% | 5,186 |
| Net loans and leases to deposits | 64.4859% | 4,944 |
| Net loans and leases to core deposits | 65.5701% | 5,313 |
| Total domestic deposits to total assets | 81.8874% | 5,166 |
| Equity capital to assets | 6.9314% | 6,978 |
| Core capital (leverage) ratio | 8.1260% | 6,106 |
| Tier 1 risk-based capital ratio | 11.5508% | 6,129 |
| Total risk-based capital ratio | 12.8109% | 6,108 |
| Memoranda: | ||
| Average total assets | $140,156,200 | 3,973 |
| Average earning assets | $122,192,400 | 4,089 |
| Average equity | $9,744,800 | 5,086 |
| Average total loans | $78,056,600 | 4,211 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6563% | 921 |
| Cost of funding earning assets | 1.3849% | 1,297 |
| Net interest margin | 4.2714% | 1,822 |
| Noninterest income to average assets | 0.3612% | 4,978 |
| Noninterest expense to average assets | 3.2013% | 2,833 |
| Loan and lease loss provision to assets | 0.2723% | 3,328 |
| Net operating income to assets | 0.3904% | 5,042 |
| Return on assets (ROA) | 0.3182% | 5,503 |
| Pretax return on assets | 0.5476% | 4,985 |
| Return on Equity (ROE) | 4.5732% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.5732% | 3,462 |
| Net charge-offs to loans | 0.3578% | 3,301 |
| Credit loss provision to net charge-offs | 135.7143% | 2,353 |
| Earnings coverage of net charge-offs (x) | 4.6477% | 2,997 |
| Efficiency ratio | 77.4387% | 2,616 |
| Assets per employee ($millions) | 3.5595% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3653% | 1,594 |
| Loan loss allowance to noncurrent loans | 52.8018% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 6.1958% | 850 |
| Noncurrent loans to loans | 4.4795% | 1,437 |
| Net loans and leases to total assets | 57.2937% | 4,628 |
| Net loans and leases to deposits | 71.5415% | 4,056 |
| Net loans and leases to core deposits | 72.8919% | 4,592 |
| Total domestic deposits to total assets | 80.0846% | 5,709 |
| Equity capital to assets | 7.4858% | 6,935 |
| Core capital (leverage) ratio | 7.6298% | 6,682 |
| Tier 1 risk-based capital ratio | 11.3266% | 6,343 |
| Total risk-based capital ratio | 12.5856% | 6,328 |
| Memoranda: | ||
| Average total assets | $139,524,000 | 4,011 |
| Average earning assets | $123,234,250 | 4,093 |
| Average equity | $9,708,500 | 5,121 |
| Average total loans | $78,252,250 | 4,238 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5484% | 1,188 |
| Cost of funding earning assets | 1.4365% | 1,251 |
| Net interest margin | 4.1119% | 2,365 |
| Noninterest income to average assets | 0.3279% | 5,273 |
| Noninterest expense to average assets | 3.2871% | 2,608 |
| Loan and lease loss provision to assets | 0.2955% | 3,038 |
| Net operating income to assets | 0.2157% | 5,683 |
| Return on assets (ROA) | 0.1365% | 6,013 |
| Pretax return on assets | 0.2547% | 5,796 |
| Return on Equity (ROE) | 2.0086% | 5,785 |
| Retained earnings to average equity (ytd only) | 2.0086% | 4,974 |
| Net charge-offs to loans | 0.3334% | 3,230 |
| Credit loss provision to net charge-offs | 160.3053% | 1,894 |
| Earnings coverage of net charge-offs (x) | 3.6565% | 3,090 |
| Efficiency ratio | 82.9840% | 1,958 |
| Assets per employee ($millions) | 4.3537% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3815% | 1,621 |
| Loan loss allowance to noncurrent loans | 61.4559% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 5.9590% | 943 |
| Noncurrent loans to loans | 3.8751% | 1,793 |
| Net loans and leases to total assets | 53.9019% | 5,307 |
| Net loans and leases to deposits | 66.6652% | 4,902 |
| Net loans and leases to core deposits | 67.6690% | 5,325 |
| Total domestic deposits to total assets | 80.8546% | 5,581 |
| Equity capital to assets | 6.9460% | 7,113 |
| Core capital (leverage) ratio | 7.2336% | 6,903 |
| Tier 1 risk-based capital ratio | 10.6068% | 6,750 |
| Total risk-based capital ratio | 11.8629% | 6,737 |
| Memoranda: | ||
| Average total assets | $142,131,330 | 3,989 |
| Average earning assets | $125,585,330 | 4,083 |
| Average equity | $9,658,330 | 5,136 |
| Average total loans | $78,574,670 | 4,268 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4382% | 1,453 |
| Cost of funding earning assets | 1.4823% | 1,247 |
| Net interest margin | 3.9559% | 2,889 |
| Noninterest income to average assets | 0.3288% | 5,277 |
| Noninterest expense to average assets | 3.4109% | 2,253 |
| Loan and lease loss provision to assets | 0.1672% | 3,954 |
| Net operating income to assets | 0.1193% | 6,041 |
| Return on assets (ROA) | 0.0390% | 6,297 |
| Pretax return on assets | 0.1282% | 6,111 |
| Return on Equity (ROE) | 0.5804% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.5804% | 5,600 |
| Net charge-offs to loans | 0.1814% | 3,403 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 4.1944% | 2,544 |
| Efficiency ratio | 89.0182% | 1,417 |
| Assets per employee ($millions) | 4.3936% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2835% | 1,790 |
| Loan loss allowance to noncurrent loans | 62.1981% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 5.9831% | 971 |
| Noncurrent loans to loans | 3.6713% | 2,014 |
| Net loans and leases to total assets | 54.0858% | 5,293 |
| Net loans and leases to deposits | 67.3212% | 4,780 |
| Net loans and leases to core deposits | 68.3321% | 5,251 |
| Total domestic deposits to total assets | 80.3400% | 5,855 |
| Equity capital to assets | 6.8644% | 7,128 |
| Core capital (leverage) ratio | 7.0175% | 7,000 |
| Tier 1 risk-based capital ratio | 10.4554% | 6,830 |
| Total risk-based capital ratio | 11.7127% | 6,812 |
| Memoranda: | ||
| Average total assets | $143,538,000 | 4,005 |
| Average earning assets | $127,101,500 | 4,081 |
| Average equity | $9,649,000 | 5,133 |
| Average total loans | $79,398,500 | 4,275 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6857% | 1,624 |
| Cost of funding earning assets | 2.1528% | 356 |
| Net interest margin | 3.5328% | 5,103 |
| Noninterest income to average assets | 0.3125% | 5,557 |
| Noninterest expense to average assets | 2.9186% | 4,148 |
| Loan and lease loss provision to assets | 0.3862% | 3,798 |
| Net operating income to assets | 0.0991% | 5,592 |
| Return on assets (ROA) | 0.1890% | 5,477 |
| Pretax return on assets | 0.2835% | 5,278 |
| Return on Equity (ROE) | 3.1972% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.1972% | 3,628 |
| Net charge-offs to loans | 0.8026% | 2,628 |
| Credit loss provision to net charge-offs | 89.2285% | 5,159 |
| Earnings coverage of net charge-offs (x) | 1.2373% | 4,865 |
| Efficiency ratio | 84.4975% | 1,864 |
| Assets per employee ($millions) | 4.0689% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 1,931 |
| Loan loss allowance to noncurrent loans | 62.6295% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 5.8260% | 1,038 |
| Noncurrent loans to loans | 3.4565% | 2,192 |
| Net loans and leases to total assets | 54.0855% | 5,621 |
| Net loans and leases to deposits | 67.2287% | 5,212 |
| Net loans and leases to core deposits | 68.4905% | 5,609 |
| Total domestic deposits to total assets | 80.4500% | 5,702 |
| Equity capital to assets | 6.5858% | 7,240 |
| Core capital (leverage) ratio | 6.4743% | 7,198 |
| Tier 1 risk-based capital ratio | 10.2553% | 6,845 |
| Total risk-based capital ratio | 11.5115% | 6,819 |
| Memoranda: | ||
| Average total assets | $158,740,800 | 3,723 |
| Average earning assets | $141,162,400 | 3,791 |
| Average equity | $9,383,200 | 5,304 |
| Average total loans | $85,593,200 | 4,162 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 1,898 |
| Cost of funding earning assets | 2.1970% | 388 |
| Net interest margin | 3.4478% | 5,501 |
| Noninterest income to average assets | 0.3082% | 5,686 |
| Noninterest expense to average assets | 2.9129% | 4,037 |
| Loan and lease loss provision to assets | 0.3502% | 3,812 |
| Net operating income to assets | 0.0737% | 5,832 |
| Return on assets (ROA) | 0.1936% | 5,685 |
| Pretax return on assets | 0.2983% | 5,516 |
| Return on Equity (ROE) | 3.3629% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.3629% | 4,082 |
| Net charge-offs to loans | 0.5011% | 3,274 |
| Credit loss provision to net charge-offs | 130.3681% | 3,099 |
| Earnings coverage of net charge-offs (x) | 1.7270% | 4,411 |
| Efficiency ratio | 86.2616% | 1,603 |
| Assets per employee ($millions) | 4.1511% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2889% | 1,645 |
| Loan loss allowance to noncurrent loans | 53.9194% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 5.3118% | 1,172 |
| Noncurrent loans to loans | 4.2451% | 1,718 |
| Net loans and leases to total assets | 52.1221% | 6,084 |
| Net loans and leases to deposits | 70.9335% | 5,010 |
| Net loans and leases to core deposits | 73.3090% | 5,378 |
| Total domestic deposits to total assets | 73.4803% | 6,993 |
| Equity capital to assets | 6.0668% | 7,479 |
| Core capital (leverage) ratio | 6.3537% | 7,372 |
| Tier 1 risk-based capital ratio | 9.6786% | 7,198 |
| Total risk-based capital ratio | 10.9457% | 7,182 |
| Memoranda: | ||
| Average total assets | $161,805,750 | 3,723 |
| Average earning assets | $144,012,500 | 3,794 |
| Average equity | $9,317,250 | 5,400 |
| Average total loans | $86,747,000 | 4,205 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6596% | 1,910 |
| Cost of funding earning assets | 2.2572% | 393 |
| Net interest margin | 3.4024% | 5,635 |
| Noninterest income to average assets | 0.3138% | 5,653 |
| Noninterest expense to average assets | 2.7617% | 4,655 |
| Loan and lease loss provision to assets | 0.4290% | 3,178 |
| Net operating income to assets | 0.0896% | 5,894 |
| Return on assets (ROA) | 0.2684% | 5,452 |
| Pretax return on assets | 0.4253% | 5,135 |
| Return on Equity (ROE) | 4.7439% | 4,413 |
| Retained earnings to average equity (ytd only) | 4.7439% | 3,051 |
| Net charge-offs to loans | 0.5867% | 2,770 |
| Credit loss provision to net charge-offs | 136.1868% | 2,943 |
| Earnings coverage of net charge-offs (x) | 1.8249% | 4,155 |
| Efficiency ratio | 82.7700% | 2,069 |
| Assets per employee ($millions) | 3.9092% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 1,801 |
| Loan loss allowance to noncurrent loans | 47.3373% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 5.6065% | 1,090 |
| Noncurrent loans to loans | 4.6077% | 1,562 |
| Net loans and leases to total assets | 53.7232% | 6,019 |
| Net loans and leases to deposits | 73.0133% | 4,828 |
| Net loans and leases to core deposits | 75.3498% | 5,269 |
| Total domestic deposits to total assets | 73.5801% | 7,032 |
| Equity capital to assets | 5.8661% | 7,556 |
| Core capital (leverage) ratio | 6.0625% | 7,472 |
| Tier 1 risk-based capital ratio | 8.9267% | 7,427 |
| Total risk-based capital ratio | 10.1920% | 7,437 |
| Memoranda: | ||
| Average total assets | $163,160,000 | 3,720 |
| Average earning assets | $144,956,330 | 3,798 |
| Average equity | $9,233,000 | 5,439 |
| Average total loans | $87,614,330 | 4,209 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7625% | 1,589 |
| Cost of funding earning assets | 2.2919% | 444 |
| Net interest margin | 3.4706% | 5,285 |
| Noninterest income to average assets | 0.3183% | 5,598 |
| Noninterest expense to average assets | 2.7703% | 4,603 |
| Loan and lease loss provision to assets | 0.4617% | 2,657 |
| Net operating income to assets | 0.1114% | 5,993 |
| Return on assets (ROA) | 0.3742% | 5,080 |
| Pretax return on assets | 0.5808% | 4,683 |
| Return on Equity (ROE) | 6.7333% | 3,485 |
| Retained earnings to average equity (ytd only) | 6.7333% | 2,249 |
| Net charge-offs to loans | 1.0800% | 1,544 |
| Credit loss provision to net charge-offs | 80.5085% | 3,865 |
| Earnings coverage of net charge-offs (x) | 1.1017% | 4,108 |
| Efficiency ratio | 81.4286% | 2,361 |
| Assets per employee ($millions) | 3.9888% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 2,007 |
| Loan loss allowance to noncurrent loans | 57.0285% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 5.1375% | 1,234 |
| Noncurrent loans to loans | 3.6342% | 2,188 |
| Net loans and leases to total assets | 51.4565% | 6,329 |
| Net loans and leases to deposits | 69.3159% | 5,429 |
| Net loans and leases to core deposits | 71.4778% | 5,773 |
| Total domestic deposits to total assets | 74.2348% | 7,017 |
| Equity capital to assets | 5.6304% | 7,670 |
| Core capital (leverage) ratio | 5.8608% | 7,598 |
| Tier 1 risk-based capital ratio | 9.0222% | 7,471 |
| Total risk-based capital ratio | 10.2863% | 7,479 |
| Memoranda: | ||
| Average total assets | $164,601,500 | 3,751 |
| Average earning assets | $146,256,500 | 3,831 |
| Average equity | $9,148,500 | 5,502 |
| Average total loans | $87,408,500 | 4,273 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4991% | 674 |
| Cost of funding earning assets | 2.8235% | 408 |
| Net interest margin | 3.6756% | 4,239 |
| Noninterest income to average assets | 0.4519% | 4,791 |
| Noninterest expense to average assets | 3.1091% | 3,694 |
| Loan and lease loss provision to assets | 0.7679% | 2,805 |
| Net operating income to assets | -0.0477% | 5,577 |
| Return on assets (ROA) | -0.2195% | 5,855 |
| Pretax return on assets | -0.3920% | 5,909 |
| Return on Equity (ROE) | -4.0197% | 6,110 |
| Retained earnings to average equity (ytd only) | -4.0197% | 5,863 |
| Net charge-offs to loans | 1.0490% | 2,313 |
| Credit loss provision to net charge-offs | 128.5560% | 4,009 |
| Earnings coverage of net charge-offs (x) | 1.0787% | 5,031 |
| Efficiency ratio | 82.8331% | 2,496 |
| Assets per employee ($millions) | 4.0405% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 1,902 |
| Loan loss allowance to noncurrent loans | 61.6189% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 5.1171% | 1,189 |
| Noncurrent loans to loans | 3.3358% | 2,282 |
| Net loans and leases to total assets | 52.5507% | 6,357 |
| Net loans and leases to deposits | 70.3648% | 5,560 |
| Net loans and leases to core deposits | 80.3300% | 6,058 |
| Total domestic deposits to total assets | 74.6832% | 6,917 |
| Equity capital to assets | 5.4865% | 7,736 |
| Core capital (leverage) ratio | 6.1096% | 7,610 |
| Tier 1 risk-based capital ratio | 8.6270% | 7,568 |
| Total risk-based capital ratio | 9.8902% | 7,597 |
| Memoranda: | ||
| Average total assets | $155,351,200 | 3,877 |
| Average earning assets | $139,543,000 | 3,916 |
| Average equity | $8,483,200 | 5,769 |
| Average total loans | $88,466,800 | 4,253 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6527% | 553 |
| Cost of funding earning assets | 2.9298% | 406 |
| Net interest margin | 3.7229% | 3,980 |
| Noninterest income to average assets | 0.4529% | 4,880 |
| Noninterest expense to average assets | 3.0729% | 3,757 |
| Loan and lease loss provision to assets | 0.5847% | 3,046 |
| Net operating income to assets | 0.1415% | 5,347 |
| Return on assets (ROA) | -0.0445% | 5,843 |
| Pretax return on assets | -0.1318% | 5,887 |
| Return on Equity (ROE) | -0.8162% | 5,904 |
| Retained earnings to average equity (ytd only) | -0.8162% | 5,443 |
| Net charge-offs to loans | 0.7816% | 2,410 |
| Credit loss provision to net charge-offs | 129.3436% | 3,876 |
| Earnings coverage of net charge-offs (x) | 1.6448% | 4,560 |
| Efficiency ratio | 80.5168% | 2,772 |
| Assets per employee ($millions) | 3.0813% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9113% | 2,004 |
| Loan loss allowance to noncurrent loans | 43.7612% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 5.5451% | 1,025 |
| Noncurrent loans to loans | 4.3675% | 1,623 |
| Net loans and leases to total assets | 57.1295% | 6,018 |
| Net loans and leases to deposits | 79.2202% | 4,530 |
| Net loans and leases to core deposits | 90.6736% | 5,377 |
| Total domestic deposits to total assets | 72.1148% | 7,194 |
| Equity capital to assets | 6.1040% | 7,839 |
| Core capital (leverage) ratio | 6.7406% | 7,561 |
| Tier 1 risk-based capital ratio | 9.1617% | 7,554 |
| Total risk-based capital ratio | 10.4237% | 7,549 |
| Memoranda: | ||
| Average total assets | $152,773,750 | 3,936 |
| Average earning assets | $138,025,000 | 3,965 |
| Average equity | $8,331,750 | 5,878 |
| Average total loans | $88,362,750 | 4,297 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6631% | 581 |
| Cost of funding earning assets | 2.9937% | 486 |
| Net interest margin | 3.6694% | 4,086 |
| Noninterest income to average assets | 0.5041% | 4,409 |
| Noninterest expense to average assets | 2.8974% | 4,511 |
| Loan and lease loss provision to assets | 0.4070% | 3,484 |
| Net operating income to assets | 0.3453% | 4,698 |
| Return on assets (ROA) | 0.3453% | 4,815 |
| Pretax return on assets | 0.5146% | 4,572 |
| Return on Equity (ROE) | 6.5962% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.5962% | 1,749 |
| Net charge-offs to loans | 0.5574% | 2,657 |
| Credit loss provision to net charge-offs | 126.5306% | 3,671 |
| Earnings coverage of net charge-offs (x) | 2.8653% | 3,667 |
| Efficiency ratio | 75.8680% | 3,715 |
| Assets per employee ($millions) | 3.2211% | 5,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8162% | 2,003 |
| Loan loss allowance to noncurrent loans | 33.4979% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 6.2230% | 764 |
| Noncurrent loans to loans | 5.4217% | 1,074 |
| Net loans and leases to total assets | 55.7620% | 6,233 |
| Net loans and leases to deposits | 76.4697% | 5,099 |
| Net loans and leases to core deposits | 89.5559% | 5,568 |
| Total domestic deposits to total assets | 72.9205% | 7,121 |
| Equity capital to assets | 5.3220% | 8,016 |
| Core capital (leverage) ratio | 6.7394% | 7,686 |
| Tier 1 risk-based capital ratio | 9.0598% | 7,671 |
| Total risk-based capital ratio | 10.3024% | 7,682 |
| Memoranda: | ||
| Average total assets | $152,343,670 | 3,958 |
| Average earning assets | $137,624,000 | 3,997 |
| Average equity | $7,974,330 | 6,033 |
| Average total loans | $87,906,670 | 4,337 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5472% | 787 |
| Cost of funding earning assets | 3.0466% | 535 |
| Net interest margin | 3.5005% | 4,737 |
| Noninterest income to average assets | 0.3984% | 5,218 |
| Noninterest expense to average assets | 2.8289% | 4,431 |
| Loan and lease loss provision to assets | 0.1604% | 4,882 |
| Net operating income to assets | 0.3770% | 4,959 |
| Return on assets (ROA) | 0.3770% | 5,143 |
| Pretax return on assets | 0.5642% | 4,869 |
| Return on Equity (ROE) | 7.2666% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.2666% | 2,108 |
| Net charge-offs to loans | 0.4274% | 2,390 |
| Credit loss provision to net charge-offs | 64.5161% | 4,446 |
| Earnings coverage of net charge-offs (x) | 2.9140% | 3,339 |
| Efficiency ratio | 79.6087% | 2,885 |
| Assets per employee ($millions) | 3.1163% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 2,069 |
| Loan loss allowance to noncurrent loans | 30.6982% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 6.5756% | 555 |
| Noncurrent loans to loans | 5.6071% | 903 |
| Net loans and leases to total assets | 57.2083% | 6,069 |
| Net loans and leases to deposits | 79.0468% | 4,767 |
| Net loans and leases to core deposits | 93.3730% | 5,220 |
| Total domestic deposits to total assets | 72.3726% | 7,155 |
| Equity capital to assets | 5.2037% | 8,102 |
| Core capital (leverage) ratio | 6.9507% | 7,665 |
| Tier 1 risk-based capital ratio | 8.8882% | 7,850 |
| Total risk-based capital ratio | 10.0192% | 7,951 |
| Memoranda: | ||
| Average total assets | $149,598,000 | 4,019 |
| Average earning assets | $134,837,000 | 4,055 |
| Average equity | $7,761,500 | 6,136 |
| Average total loans | $87,040,000 | 4,388 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4236% | 3,301 |
| Cost of funding earning assets | 3.3108% | 895 |
| Net interest margin | 3.1128% | 6,613 |
| Noninterest income to average assets | 0.6087% | 3,783 |
| Noninterest expense to average assets | 2.7743% | 4,934 |
| Loan and lease loss provision to assets | 0.5652% | 2,559 |
| Net operating income to assets | 0.0575% | 6,214 |
| Return on assets (ROA) | 0.0588% | 6,069 |
| Pretax return on assets | 0.0660% | 6,015 |
| Return on Equity (ROE) | 0.8593% | 5,960 |
| Retained earnings to average equity (ytd only) | -1.2625% | 5,670 |
| Net charge-offs to loans | 1.1538% | 1,048 |
| Credit loss provision to net charge-offs | 82.7843% | 5,846 |
| Earnings coverage of net charge-offs (x) | 0.9224% | 5,673 |
| Efficiency ratio | 81.5004% | 2,373 |
| Assets per employee ($millions) | 2.9897% | 6,075 |
| Cash dividends to net income (ytd only)* | 246.9136% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 1,562 |
| Loan loss allowance to noncurrent loans | 36.0221% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 6.2725% | 457 |
| Noncurrent loans to loans | 5.0931% | 853 |
| Net loans and leases to total assets | 57.0869% | 6,323 |
| Net loans and leases to deposits | 80.5925% | 4,944 |
| Net loans and leases to core deposits | 90.7749% | 5,737 |
| Total domestic deposits to total assets | 70.8340% | 7,184 |
| Equity capital to assets | 5.1722% | 8,169 |
| Core capital (leverage) ratio | 7.3417% | 7,373 |
| Tier 1 risk-based capital ratio | 10.0881% | 6,631 |
| Total risk-based capital ratio | 11.3512% | 6,492 |
| Memoranda: | ||
| Average total assets | $137,834,800 | 4,125 |
| Average earning assets | $123,778,400 | 4,177 |
| Average equity | $9,426,000 | 5,595 |
| Average total loans | $81,556,000 | 4,474 |