Home > River City Bank > Performance and Condition Ratios
River City Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 1,422 |
| Cost of funding earning assets | 0.8998% | 3,521 |
| Net interest margin | 4.4361% | 673 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 3.6519% | 479 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.8472% | 2,714 |
| Return on assets (ROA) | 0.8428% | 2,708 |
| Pretax return on assets | 1.1010% | 2,405 |
| Return on Equity (ROE) | 9.9300% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.9331% | 1,028 |
| Net charge-offs to loans | 0.1598% | 656 |
| Credit loss provision to net charge-offs | 187.7076% | 1,270 |
| Earnings coverage of net charge-offs (x) | 11.6312% | 2,182 |
| Efficiency ratio | 73.4572% | 1,512 |
| Assets per employee ($millions) | 5.2476% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,140 |
| Loan loss allowance to noncurrent loans | 4,045.9459% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,510 |
| Noncurrent loans to loans | 0.0364% | 3,474 |
| Net loans and leases to total assets | 72.0800% | 1,571 |
| Net loans and leases to deposits | 79.7309% | 2,135 |
| Net loans and leases to core deposits | 84.6731% | 2,409 |
| Total domestic deposits to total assets | 90.4100% | 649 |
| Equity capital to assets | 8.6559% | 2,929 |
| Core capital (leverage) ratio | 10.2644% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2997% | 1,762 |
| Memoranda: | ||
| Average total assets | $265,314,800 | 2,594 |
| Average earning assets | $243,951,800 | 2,608 |
| Average equity | $22,510,600 | 2,654 |
| Average total loans | $188,357,600 | 2,370 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 1,475 |
| Cost of funding earning assets | 0.7857% | 3,563 |
| Net interest margin | 4.4033% | 698 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 3.6304% | 481 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.8840% | 2,738 |
| Return on assets (ROA) | 0.8780% | 2,748 |
| Pretax return on assets | 1.1481% | 2,427 |
| Return on Equity (ROE) | 10.4000% | 2,531 |
| Retained earnings to average equity (ytd only) | 10.4037% | 1,299 |
| Net charge-offs to loans | 0.1763% | 492 |
| Credit loss provision to net charge-offs | 63.1148% | 1,841 |
| Earnings coverage of net charge-offs (x) | 9.9426% | 2,146 |
| Efficiency ratio | 74.6314% | 1,306 |
| Assets per employee ($millions) | 5.4860% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,453 |
| Loan loss allowance to noncurrent loans | 9,453.5714% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,753 |
| Noncurrent loans to loans | 0.0148% | 3,688 |
| Net loans and leases to total assets | 69.4600% | 1,891 |
| Net loans and leases to deposits | 76.6794% | 2,364 |
| Net loans and leases to core deposits | 81.2238% | 2,517 |
| Total domestic deposits to total assets | 90.5800% | 780 |
| Equity capital to assets | 8.3586% | 2,821 |
| Core capital (leverage) ratio | 10.2902% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1664% | 1,519 |
| Memoranda: | ||
| Average total assets | $262,112,500 | 2,617 |
| Average earning assets | $240,813,250 | 2,627 |
| Average equity | $22,119,750 | 2,672 |
| Average total loans | $184,579,250 | 2,404 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 1,508 |
| Cost of funding earning assets | 0.6291% | 3,681 |
| Net interest margin | 4.4047% | 704 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 3.6479% | 459 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8972% | 2,761 |
| Return on assets (ROA) | 0.8881% | 2,787 |
| Pretax return on assets | 1.1613% | 2,469 |
| Return on Equity (ROE) | 10.4900% | 2,557 |
| Retained earnings to average equity (ytd only) | 10.4893% | 1,280 |
| Net charge-offs to loans | 0.1716% | 460 |
| Credit loss provision to net charge-offs | 24.2038% | 1,759 |
| Earnings coverage of net charge-offs (x) | 9.9490% | 2,006 |
| Efficiency ratio | 75.2142% | 1,242 |
| Assets per employee ($millions) | 5.2423% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,411 |
| Loan loss allowance to noncurrent loans | 4,408.4746% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,590 |
| Noncurrent loans to loans | 0.0325% | 3,508 |
| Net loans and leases to total assets | 68.2100% | 1,943 |
| Net loans and leases to deposits | 75.4283% | 2,369 |
| Net loans and leases to core deposits | 79.3175% | 2,520 |
| Total domestic deposits to total assets | 90.4300% | 809 |
| Equity capital to assets | 8.5917% | 2,788 |
| Core capital (leverage) ratio | 10.5291% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3842% | 1,458 |
| Memoranda: | ||
| Average total assets | $259,879,000 | 2,634 |
| Average earning assets | $238,425,667 | 2,646 |
| Average equity | $22,003,333 | 2,693 |
| Average total loans | $182,988,000 | 2,412 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 1,446 |
| Cost of funding earning assets | 0.4210% | 3,906 |
| Net interest margin | 4.4622% | 616 |
| Noninterest income to average assets | 0.7800% | 892 |
| Noninterest expense to average assets | 3.7656% | 421 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.7959% | 3,199 |
| Return on assets (ROA) | 0.7837% | 3,197 |
| Pretax return on assets | 1.0202% | 2,934 |
| Return on Equity (ROE) | 9.3300% | 2,961 |
| Retained earnings to average equity (ytd only) | 9.3263% | 1,857 |
| Net charge-offs to loans | 0.3047% | 261 |
| Credit loss provision to net charge-offs | 27.1429% | 1,363 |
| Earnings coverage of net charge-offs (x) | 5.0571% | 1,830 |
| Efficiency ratio | 77.4809% | 1,047 |
| Assets per employee ($millions) | 5.4646% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 1,546 |
| Loan loss allowance to noncurrent loans | 87,266.6667% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,923 |
| Noncurrent loans to loans | 0.0016% | 3,861 |
| Net loans and leases to total assets | 70.7400% | 1,551 |
| Net loans and leases to deposits | 78.3086% | 1,939 |
| Net loans and leases to core deposits | 81.9646% | 2,116 |
| Total domestic deposits to total assets | 90.3400% | 1,033 |
| Equity capital to assets | 8.6939% | 2,744 |
| Core capital (leverage) ratio | 10.3669% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6671% | 1,740 |
| Memoranda: | ||
| Average total assets | $258,761,500 | 2,674 |
| Average earning assets | $236,564,500 | 2,689 |
| Average equity | $21,745,000 | 2,742 |
| Average total loans | $183,789,500 | 2,424 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 1,231 |
| Cost of funding earning assets | 0.1790% | 3,918 |
| Net interest margin | 4.0271% | 756 |
| Noninterest income to average assets | 0.9200% | 756 |
| Noninterest expense to average assets | 3.0977% | 837 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.0179% | 2,503 |
| Return on assets (ROA) | 1.0179% | 2,445 |
| Pretax return on assets | 1.3346% | 1,981 |
| Return on Equity (ROE) | 11.9800% | 2,145 |
| Retained earnings to average equity (ytd only) | 11.9825% | 670 |
| Net charge-offs to loans | 0.2464% | 324 |
| Credit loss provision to net charge-offs | 134.3066% | 1,376 |
| Earnings coverage of net charge-offs (x) | 9.4842% | 2,222 |
| Efficiency ratio | 66.5809% | 2,135 |
| Assets per employee ($millions) | 5.6671% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,245 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 3,749 |
| Noncurrent loans to loans | 0.0186% | 3,693 |
| Net loans and leases to total assets | 69.2600% | 1,705 |
| Net loans and leases to deposits | 76.1536% | 2,084 |
| Net loans and leases to core deposits | 79.5333% | 2,160 |
| Total domestic deposits to total assets | 90.9500% | 980 |
| Equity capital to assets | 8.1174% | 2,983 |
| Core capital (leverage) ratio | 9.8830% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2785% | 1,861 |
| Memoranda: | ||
| Average total assets | $250,706,000 | 2,726 |
| Average earning assets | $232,352,200 | 2,719 |
| Average equity | $21,297,800 | 2,832 |
| Average total loans | $166,835,800 | 2,489 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9807% | 1,304 |
| Cost of funding earning assets | 0.1396% | 3,943 |
| Net interest margin | 3.8411% | 890 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 3.0667% | 833 |
| Loan and lease loss provision to assets | 0.3000% | 236 |
| Net operating income to assets | 0.9035% | 2,851 |
| Return on assets (ROA) | 0.9035% | 2,829 |
| Pretax return on assets | 1.1812% | 2,438 |
| Return on Equity (ROE) | 10.5100% | 2,567 |
| Retained earnings to average equity (ytd only) | 10.5129% | 1,193 |
| Net charge-offs to loans | 0.3269% | 198 |
| Credit loss provision to net charge-offs | 138.3459% | 1,158 |
| Earnings coverage of net charge-offs (x) | 6.8947% | 2,095 |
| Efficiency ratio | 67.4823% | 2,089 |
| Assets per employee ($millions) | 6.2222% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 1,172 |
| Loan loss allowance to noncurrent loans | 22,766.6667% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 3,973 |
| Noncurrent loans to loans | 0.0068% | 3,905 |
| Net loans and leases to total assets | 62.0700% | 2,279 |
| Net loans and leases to deposits | 67.2925% | 2,605 |
| Net loans and leases to core deposits | 70.0808% | 2,636 |
| Total domestic deposits to total assets | 92.2300% | 802 |
| Equity capital to assets | 7.2465% | 3,373 |
| Core capital (leverage) ratio | 9.3407% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0872% | 2,027 |
| Memoranda: | ||
| Average total assets | $248,210,750 | 2,759 |
| Average earning assets | $231,109,500 | 2,750 |
| Average equity | $21,332,000 | 2,865 |
| Average total loans | $162,727,000 | 2,520 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 1,239 |
| Cost of funding earning assets | 0.1218% | 3,940 |
| Net interest margin | 3.7115% | 895 |
| Noninterest income to average assets | 1.0235% | 633 |
| Noninterest expense to average assets | 3.1269% | 704 |
| Loan and lease loss provision to assets | 0.0673% | 1,407 |
| Net operating income to assets | 0.9882% | 2,201 |
| Return on assets (ROA) | 0.9882% | 2,172 |
| Pretax return on assets | 1.2928% | 1,776 |
| Return on Equity (ROE) | 10.8306% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.8306% | 817 |
| Net charge-offs to loans | -0.0013% | 3,063 |
| Credit loss provision to net charge-offs | -8,000.0000% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6867% | 2,004 |
| Assets per employee ($millions) | 5.5252% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 1,196 |
| Loan loss allowance to noncurrent loans | 44,316.6667% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,043 |
| Noncurrent loans to loans | 0.0036% | 3,972 |
| Net loans and leases to total assets | 66.5707% | 1,624 |
| Net loans and leases to deposits | 73.0387% | 1,954 |
| Net loans and leases to core deposits | 75.6987% | 2,043 |
| Total domestic deposits to total assets | 91.1443% | 1,166 |
| Equity capital to assets | 8.3058% | 2,902 |
| Core capital (leverage) ratio | 10.2735% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5343% | 1,854 |
| Memoranda: | ||
| Average total assets | $237,615,333 | 2,842 |
| Average earning assets | $221,744,667 | 2,838 |
| Average equity | $21,679,333 | 2,927 |
| Average total loans | $158,130,333 | 2,568 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 1,459 |
| Cost of funding earning assets | 0.1141% | 3,960 |
| Net interest margin | 3.5024% | 1,086 |
| Noninterest income to average assets | 0.9082% | 827 |
| Noninterest expense to average assets | 3.1692% | 627 |
| Loan and lease loss provision to assets | 0.0689% | 1,191 |
| Net operating income to assets | 0.7307% | 2,930 |
| Return on assets (ROA) | 0.7307% | 2,921 |
| Pretax return on assets | 0.9496% | 2,603 |
| Return on Equity (ROE) | 7.6419% | 2,828 |
| Retained earnings to average equity (ytd only) | 7.6419% | 1,691 |
| Net charge-offs to loans | -0.0026% | 3,150 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6790% | 1,567 |
| Assets per employee ($millions) | 5.8253% | 2,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6793% | 1,087 |
| Loan loss allowance to noncurrent loans | 741.9263% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 2,738 |
| Noncurrent loans to loans | 0.2263% | 2,692 |
| Net loans and leases to total assets | 65.8092% | 1,427 |
| Net loans and leases to deposits | 72.9401% | 1,708 |
| Net loans and leases to core deposits | 75.5841% | 1,803 |
| Total domestic deposits to total assets | 90.2236% | 1,429 |
| Equity capital to assets | 9.2086% | 2,520 |
| Core capital (leverage) ratio | 10.3089% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2552% | 1,703 |
| Memoranda: | ||
| Average total assets | $232,107,000 | 2,885 |
| Average earning assets | $217,336,000 | 2,879 |
| Average equity | $22,193,500 | 2,970 |
| Average total loans | $153,108,000 | 2,608 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 1,528 |
| Cost of funding earning assets | 0.1314% | 4,141 |
| Net interest margin | 3.8029% | 1,005 |
| Noninterest income to average assets | 1.0337% | 933 |
| Noninterest expense to average assets | 3.5887% | 434 |
| Loan and lease loss provision to assets | 0.1198% | 1,037 |
| Net operating income to assets | 0.6636% | 3,712 |
| Return on assets (ROA) | 0.8517% | 3,250 |
| Pretax return on assets | 1.1127% | 2,924 |
| Return on Equity (ROE) | 8.2686% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.2686% | 1,435 |
| Net charge-offs to loans | 0.2120% | 442 |
| Credit loss provision to net charge-offs | 84.4595% | 1,923 |
| Earnings coverage of net charge-offs (x) | 7.0135% | 2,370 |
| Efficiency ratio | 78.3027% | 924 |
| Assets per employee ($millions) | 5.5049% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7157% | 1,018 |
| Loan loss allowance to noncurrent loans | 569.0949% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,579 |
| Noncurrent loans to loans | 0.3015% | 2,516 |
| Net loans and leases to total assets | 63.8730% | 1,716 |
| Net loans and leases to deposits | 71.1165% | 2,006 |
| Net loans and leases to core deposits | 73.8259% | 2,095 |
| Total domestic deposits to total assets | 89.8146% | 1,057 |
| Equity capital to assets | 9.9176% | 2,738 |
| Core capital (leverage) ratio | 10.4158% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6457% | 1,634 |
| Memoranda: | ||
| Average total assets | $208,766,600 | 2,995 |
| Average earning assets | $194,850,800 | 2,997 |
| Average equity | $21,503,000 | 3,097 |
| Average total loans | $139,636,200 | 2,731 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 1,381 |
| Cost of funding earning assets | 0.1346% | 4,234 |
| Net interest margin | 3.9327% | 884 |
| Noninterest income to average assets | 1.0415% | 997 |
| Noninterest expense to average assets | 3.6070% | 406 |
| Loan and lease loss provision to assets | 0.1235% | 946 |
| Net operating income to assets | 0.7346% | 3,689 |
| Return on assets (ROA) | 0.9923% | 3,021 |
| Pretax return on assets | 1.2988% | 2,630 |
| Return on Equity (ROE) | 9.5334% | 2,916 |
| Retained earnings to average equity (ytd only) | 9.5334% | 1,468 |
| Net charge-offs to loans | 0.1431% | 573 |
| Credit loss provision to net charge-offs | 127.8912% | 1,429 |
| Earnings coverage of net charge-offs (x) | 11.3605% | 1,999 |
| Efficiency ratio | 76.6955% | 987 |
| Assets per employee ($millions) | 5.4615% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 885 |
| Loan loss allowance to noncurrent loans | 441.7910% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 2,401 |
| Noncurrent loans to loans | 0.4134% | 2,319 |
| Net loans and leases to total assets | 65.5467% | 1,595 |
| Net loans and leases to deposits | 73.4901% | 1,905 |
| Net loans and leases to core deposits | 76.2672% | 2,021 |
| Total domestic deposits to total assets | 89.1912% | 1,172 |
| Equity capital to assets | 10.5607% | 2,414 |
| Core capital (leverage) ratio | 10.8208% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0165% | 1,608 |
| Memoranda: | ||
| Average total assets | $203,157,250 | 3,075 |
| Average earning assets | $189,144,250 | 3,074 |
| Average equity | $21,146,250 | 3,158 |
| Average total loans | $136,981,500 | 2,794 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 1,278 |
| Cost of funding earning assets | 0.1389% | 4,289 |
| Net interest margin | 4.0017% | 818 |
| Noninterest income to average assets | 1.0159% | 1,044 |
| Noninterest expense to average assets | 3.4586% | 497 |
| Loan and lease loss provision to assets | 0.1262% | 995 |
| Net operating income to assets | 0.8876% | 3,252 |
| Return on assets (ROA) | 0.8876% | 3,328 |
| Pretax return on assets | 1.1562% | 3,041 |
| Return on Equity (ROE) | 8.5737% | 3,239 |
| Retained earnings to average equity (ytd only) | 8.5737% | 1,864 |
| Net charge-offs to loans | 0.2209% | 393 |
| Credit loss provision to net charge-offs | 84.4595% | 1,467 |
| Earnings coverage of net charge-offs (x) | 8.5811% | 1,877 |
| Efficiency ratio | 72.9499% | 1,340 |
| Assets per employee ($millions) | 5.2023% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8412% | 824 |
| Loan loss allowance to noncurrent loans | 431.3433% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 2,476 |
| Noncurrent loans to loans | 0.4269% | 2,400 |
| Net loans and leases to total assets | 66.6356% | 1,618 |
| Net loans and leases to deposits | 74.1975% | 1,976 |
| Net loans and leases to core deposits | 76.9659% | 2,143 |
| Total domestic deposits to total assets | 89.8084% | 868 |
| Equity capital to assets | 10.0518% | 2,807 |
| Core capital (leverage) ratio | 10.0996% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0209% | 1,964 |
| Memoranda: | ||
| Average total assets | $198,056,000 | 3,115 |
| Average earning assets | $184,370,333 | 3,108 |
| Average equity | $20,504,667 | 3,205 |
| Average total loans | $134,022,667 | 2,845 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 1,159 |
| Cost of funding earning assets | 0.1468% | 4,328 |
| Net interest margin | 4.0761% | 753 |
| Noninterest income to average assets | 0.9553% | 1,210 |
| Noninterest expense to average assets | 3.4646% | 490 |
| Loan and lease loss provision to assets | 0.1305% | 1,048 |
| Net operating income to assets | 0.8848% | 3,165 |
| Return on assets (ROA) | 0.8848% | 3,248 |
| Pretax return on assets | 1.1583% | 2,955 |
| Return on Equity (ROE) | 8.4144% | 3,212 |
| Retained earnings to average equity (ytd only) | 8.4144% | 2,120 |
| Net charge-offs to loans | -0.0031% | 3,229 |
| Credit loss provision to net charge-offs | -6,300.0000% | 3,751 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8858% | 1,415 |
| Assets per employee ($millions) | 4.6111% | 4,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9822% | 618 |
| Loan loss allowance to noncurrent loans | 356.0265% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 2,275 |
| Noncurrent loans to loans | 0.5568% | 2,188 |
| Net loans and leases to total assets | 67.0379% | 1,656 |
| Net loans and leases to deposits | 74.7998% | 2,039 |
| Net loans and leases to core deposits | 77.9265% | 2,194 |
| Total domestic deposits to total assets | 89.6231% | 1,007 |
| Equity capital to assets | 10.2201% | 2,505 |
| Core capital (leverage) ratio | 10.3938% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3894% | 1,777 |
| Memoranda: | ||
| Average total assets | $193,037,500 | 3,138 |
| Average earning assets | $179,877,000 | 3,128 |
| Average equity | $20,298,500 | 3,218 |
| Average total loans | $130,401,500 | 2,896 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 1,423 |
| Cost of funding earning assets | 0.2827% | 4,232 |
| Net interest margin | 4.1744% | 683 |
| Noninterest income to average assets | 0.8400% | 1,416 |
| Noninterest expense to average assets | 3.4119% | 781 |
| Loan and lease loss provision to assets | 0.6185% | 314 |
| Net operating income to assets | 0.5431% | 3,922 |
| Return on assets (ROA) | 0.5810% | 3,916 |
| Pretax return on assets | 0.7500% | 3,760 |
| Return on Equity (ROE) | 5.0464% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.0464% | 2,254 |
| Net charge-offs to loans | -0.0034% | 4,056 |
| Credit loss provision to net charge-offs | -26,800.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0956% | 1,671 |
| Assets per employee ($millions) | 4.3674% | 4,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 492 |
| Loan loss allowance to noncurrent loans | 343.4555% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 2,370 |
| Noncurrent loans to loans | 0.6102% | 2,171 |
| Net loans and leases to total assets | 65.2671% | 2,193 |
| Net loans and leases to deposits | 73.4055% | 2,547 |
| Net loans and leases to core deposits | 76.3868% | 2,697 |
| Total domestic deposits to total assets | 88.9131% | 1,021 |
| Equity capital to assets | 10.8270% | 2,406 |
| Core capital (leverage) ratio | 10.6027% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5545% | 1,392 |
| Memoranda: | ||
| Average total assets | $173,335,800 | 3,164 |
| Average earning assets | $161,627,600 | 3,153 |
| Average equity | $19,954,800 | 3,190 |
| Average total loans | $117,302,400 | 3,010 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 1,263 |
| Cost of funding earning assets | 0.3154% | 4,241 |
| Net interest margin | 4.2998% | 583 |
| Noninterest income to average assets | 0.8524% | 1,343 |
| Noninterest expense to average assets | 3.4024% | 798 |
| Loan and lease loss provision to assets | 0.8031% | 226 |
| Net operating income to assets | 0.4961% | 4,052 |
| Return on assets (ROA) | 0.5240% | 4,068 |
| Pretax return on assets | 0.6874% | 3,932 |
| Return on Equity (ROE) | 4.4778% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.4778% | 2,811 |
| Net charge-offs to loans | -0.0035% | 3,977 |
| Credit loss provision to net charge-offs | -34,066.6667% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0469% | 1,884 |
| Assets per employee ($millions) | 4.7677% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1077% | 412 |
| Loan loss allowance to noncurrent loans | 330.2953% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 2,492 |
| Noncurrent loans to loans | 0.6381% | 2,200 |
| Net loans and leases to total assets | 64.2682% | 2,739 |
| Net loans and leases to deposits | 72.3941% | 3,098 |
| Net loans and leases to core deposits | 75.5996% | 3,204 |
| Total domestic deposits to total assets | 88.7755% | 870 |
| Equity capital to assets | 11.0670% | 2,350 |
| Core capital (leverage) ratio | 11.0593% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7373% | 1,094 |
| Memoranda: | ||
| Average total assets | $169,720,000 | 3,180 |
| Average earning assets | $158,082,750 | 3,169 |
| Average equity | $19,860,250 | 3,197 |
| Average total loans | $115,329,250 | 3,037 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 1,119 |
| Cost of funding earning assets | 0.3474% | 4,281 |
| Net interest margin | 4.4720% | 535 |
| Noninterest income to average assets | 0.8180% | 1,386 |
| Noninterest expense to average assets | 3.4276% | 820 |
| Loan and lease loss provision to assets | 1.0614% | 185 |
| Net operating income to assets | 0.3709% | 4,288 |
| Return on assets (ROA) | 0.3785% | 4,333 |
| Pretax return on assets | 0.4905% | 4,268 |
| Return on Equity (ROE) | 3.1701% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.1701% | 3,314 |
| Net charge-offs to loans | -0.0035% | 3,915 |
| Credit loss provision to net charge-offs | -43,600.0000% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9689% | 2,090 |
| Assets per employee ($millions) | 4.4999% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9632% | 466 |
| Loan loss allowance to noncurrent loans | 254.2497% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 2,184 |
| Noncurrent loans to loans | 0.7721% | 1,952 |
| Net loans and leases to total assets | 68.9472% | 2,193 |
| Net loans and leases to deposits | 78.0355% | 2,647 |
| Net loans and leases to core deposits | 81.0152% | 2,866 |
| Total domestic deposits to total assets | 88.3537% | 1,016 |
| Equity capital to assets | 11.4924% | 1,978 |
| Core capital (leverage) ratio | 11.4314% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6873% | 1,099 |
| Memoranda: | ||
| Average total assets | $164,313,000 | 3,207 |
| Average earning assets | $152,550,000 | 3,198 |
| Average equity | $19,621,000 | 3,213 |
| Average total loans | $113,081,000 | 3,056 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 2,009 |
| Cost of funding earning assets | 0.3963% | 4,377 |
| Net interest margin | 4.1989% | 927 |
| Noninterest income to average assets | 0.8367% | 1,203 |
| Noninterest expense to average assets | 3.4904% | 952 |
| Loan and lease loss provision to assets | 0.9173% | 249 |
| Net operating income to assets | 0.2562% | 4,437 |
| Return on assets (ROA) | 0.2722% | 4,430 |
| Pretax return on assets | 0.3478% | 4,382 |
| Return on Equity (ROE) | 2.2329% | 4,399 |
| Retained earnings to average equity (ytd only) | 2.2329% | 3,357 |
| Net charge-offs to loans | -0.0037% | 3,769 |
| Credit loss provision to net charge-offs | -36,400.0000% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7094% | 1,856 |
| Assets per employee ($millions) | 4.0923% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 815 |
| Loan loss allowance to noncurrent loans | 191,400.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,658 |
| Noncurrent loans to loans | 0.0009% | 4,590 |
| Net loans and leases to total assets | 69.6948% | 2,294 |
| Net loans and leases to deposits | 79.8769% | 2,692 |
| Net loans and leases to core deposits | 83.4130% | 2,896 |
| Total domestic deposits to total assets | 87.2527% | 1,445 |
| Equity capital to assets | 12.6122% | 1,667 |
| Core capital (leverage) ratio | 11.9065% | 1,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5475% | 1,224 |
| Memoranda: | ||
| Average total assets | $158,720,500 | 3,226 |
| Average earning assets | $147,371,500 | 3,217 |
| Average equity | $19,347,000 | 3,229 |
| Average total loans | $107,909,500 | 3,109 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9703% | 1,549 |
| Cost of funding earning assets | 0.5380% | 3,932 |
| Net interest margin | 4.4324% | 837 |
| Noninterest income to average assets | 0.7856% | 1,489 |
| Noninterest expense to average assets | 3.2922% | 1,314 |
| Loan and lease loss provision to assets | 0.1868% | 1,103 |
| Net operating income to assets | 1.0430% | 2,687 |
| Return on assets (ROA) | 1.0322% | 2,818 |
| Pretax return on assets | 1.3775% | 2,241 |
| Return on Equity (ROE) | 9.0749% | 2,717 |
| Retained earnings to average equity (ytd only) | 9.0749% | 690 |
| Net charge-offs to loans | -0.1585% | 5,031 |
| Credit loss provision to net charge-offs | -179.2899% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5994% | 2,516 |
| Assets per employee ($millions) | 4.2614% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,315 |
| Loan loss allowance to noncurrent loans | 77,450.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 4,689 |
| Noncurrent loans to loans | 0.0019% | 4,601 |
| Net loans and leases to total assets | 64.2087% | 3,173 |
| Net loans and leases to deposits | 72.9419% | 3,443 |
| Net loans and leases to core deposits | 75.9935% | 3,576 |
| Total domestic deposits to total assets | 88.0271% | 1,112 |
| Equity capital to assets | 11.7833% | 2,295 |
| Core capital (leverage) ratio | 11.5483% | 2,075 |
| Tier 1 risk-based capital ratio | 16.5627% | 2,196 |
| Total risk-based capital ratio | 17.8144% | 2,136 |
| Memoranda: | ||
| Average total assets | $162,172,400 | 3,185 |
| Average earning assets | $149,446,600 | 3,179 |
| Average equity | $18,446,400 | 3,288 |
| Average total loans | $106,620,400 | 3,132 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 1,354 |
| Cost of funding earning assets | 0.5731% | 3,807 |
| Net interest margin | 4.4978% | 768 |
| Noninterest income to average assets | 0.7561% | 1,575 |
| Noninterest expense to average assets | 3.2151% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2520% | 2,011 |
| Return on assets (ROA) | 1.2533% | 2,087 |
| Pretax return on assets | 1.6774% | 1,399 |
| Return on Equity (ROE) | 11.1183% | 1,973 |
| Retained earnings to average equity (ytd only) | 11.1183% | 500 |
| Net charge-offs to loans | -0.1858% | 5,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7369% | 2,763 |
| Assets per employee ($millions) | 4.5125% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 2,763 |
| Loan loss allowance to noncurrent loans | 1,225.0000% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 4,404 |
| Noncurrent loans to loans | 0.0940% | 4,225 |
| Net loans and leases to total assets | 64.7007% | 3,215 |
| Net loans and leases to deposits | 74.2869% | 3,451 |
| Net loans and leases to core deposits | 77.4041% | 3,598 |
| Total domestic deposits to total assets | 87.0958% | 1,469 |
| Equity capital to assets | 11.9913% | 2,266 |
| Core capital (leverage) ratio | 11.8854% | 1,928 |
| Tier 1 risk-based capital ratio | 16.7452% | 2,170 |
| Total risk-based capital ratio | 17.8289% | 2,164 |
| Memoranda: | ||
| Average total assets | $162,232,250 | 3,218 |
| Average earning assets | $149,134,500 | 3,212 |
| Average equity | $18,287,750 | 3,324 |
| Average total loans | $106,894,500 | 3,167 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 2,059 |
| Cost of funding earning assets | 0.5966% | 3,665 |
| Net interest margin | 4.2029% | 1,360 |
| Noninterest income to average assets | 0.7301% | 1,597 |
| Noninterest expense to average assets | 3.1488% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0698% | 2,651 |
| Return on assets (ROA) | 1.0669% | 2,720 |
| Pretax return on assets | 1.4356% | 2,086 |
| Return on Equity (ROE) | 9.6700% | 2,549 |
| Retained earnings to average equity (ytd only) | 9.6700% | 858 |
| Net charge-offs to loans | -0.1662% | 5,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6290% | 2,428 |
| Assets per employee ($millions) | 4.2893% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,127 |
| Loan loss allowance to noncurrent loans | 1,142.1569% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,435 |
| Noncurrent loans to loans | 0.0954% | 4,253 |
| Net loans and leases to total assets | 66.6633% | 3,021 |
| Net loans and leases to deposits | 76.4547% | 3,292 |
| Net loans and leases to core deposits | 80.6941% | 3,368 |
| Total domestic deposits to total assets | 87.1932% | 1,503 |
| Equity capital to assets | 11.8761% | 2,283 |
| Core capital (leverage) ratio | 11.4041% | 2,239 |
| Tier 1 risk-based capital ratio | 16.0258% | 2,403 |
| Total risk-based capital ratio | 17.0594% | 2,430 |
| Memoranda: | ||
| Average total assets | $162,159,330 | 3,236 |
| Average earning assets | $148,848,330 | 3,235 |
| Average equity | $17,890,330 | 3,368 |
| Average total loans | $107,082,000 | 3,180 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 2,384 |
| Cost of funding earning assets | 0.6037% | 3,550 |
| Net interest margin | 4.0444% | 1,705 |
| Noninterest income to average assets | 0.6297% | 1,913 |
| Noninterest expense to average assets | 3.1949% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8571% | 3,419 |
| Return on assets (ROA) | 0.8494% | 3,502 |
| Pretax return on assets | 1.1203% | 3,090 |
| Return on Equity (ROE) | 7.9947% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.9947% | 1,661 |
| Net charge-offs to loans | -0.3621% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8713% | 1,771 |
| Assets per employee ($millions) | 4.7247% | 2,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 3,086 |
| Loan loss allowance to noncurrent loans | 923.6220% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 4,409 |
| Noncurrent loans to loans | 0.1199% | 4,203 |
| Net loans and leases to total assets | 65.1924% | 3,148 |
| Net loans and leases to deposits | 74.9605% | 3,358 |
| Net loans and leases to core deposits | 79.0556% | 3,443 |
| Total domestic deposits to total assets | 86.9690% | 1,832 |
| Equity capital to assets | 11.0458% | 2,802 |
| Core capital (leverage) ratio | 10.8270% | 2,743 |
| Tier 1 risk-based capital ratio | 15.2532% | 2,775 |
| Total risk-based capital ratio | 16.2830% | 2,793 |
| Memoranda: | ||
| Average total assets | $163,886,500 | 3,256 |
| Average earning assets | $149,737,000 | 3,270 |
| Average equity | $17,411,500 | 3,435 |
| Average total loans | $107,141,500 | 3,213 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 2,720 |
| Cost of funding earning assets | 0.4018% | 3,979 |
| Net interest margin | 4.0105% | 1,951 |
| Noninterest income to average assets | 0.8680% | 1,270 |
| Noninterest expense to average assets | 3.0068% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1427% | 2,420 |
| Return on assets (ROA) | 1.1437% | 2,417 |
| Pretax return on assets | 1.5251% | 1,697 |
| Return on Equity (ROE) | 11.0852% | 2,051 |
| Retained earnings to average equity (ytd only) | 11.0852% | 419 |
| Net charge-offs to loans | 0.0029% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 807.0000% | 132 |
| Efficiency ratio | 66.3657% | 2,806 |
| Assets per employee ($millions) | 4.7752% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 3,744 |
| Loan loss allowance to noncurrent loans | 927.5862% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 3,897 |
| Noncurrent loans to loans | 0.1070% | 4,250 |
| Net loans and leases to total assets | 64.2058% | 3,330 |
| Net loans and leases to deposits | 74.5408% | 3,456 |
| Net loans and leases to core deposits | 78.1372% | 3,571 |
| Total domestic deposits to total assets | 86.1350% | 2,164 |
| Equity capital to assets | 10.2188% | 3,451 |
| Core capital (leverage) ratio | 10.8162% | 2,722 |
| Tier 1 risk-based capital ratio | 14.6162% | 3,014 |
| Total risk-based capital ratio | 15.5458% | 3,084 |
| Memoranda: | ||
| Average total assets | $158,871,000 | 3,298 |
| Average earning assets | $145,094,200 | 3,315 |
| Average equity | $16,391,200 | 3,473 |
| Average total loans | $104,844,400 | 3,216 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,765 |
| Cost of funding earning assets | 0.3531% | 4,164 |
| Net interest margin | 4.0063% | 1,936 |
| Noninterest income to average assets | 0.9081% | 1,173 |
| Noninterest expense to average assets | 2.9743% | 2,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2045% | 2,224 |
| Return on assets (ROA) | 1.2125% | 2,194 |
| Pretax return on assets | 1.6096% | 1,553 |
| Return on Equity (ROE) | 11.7224% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.7224% | 517 |
| Net charge-offs to loans | 0.0051% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 470.5328% | 198 |
| Efficiency ratio | 65.0307% | 3,028 |
| Assets per employee ($millions) | 4.1946% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,706 |
| Loan loss allowance to noncurrent loans | 918.8034% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,341 |
| Noncurrent loans to loans | 0.1097% | 4,396 |
| Net loans and leases to total assets | 68.0017% | 2,938 |
| Net loans and leases to deposits | 77.1336% | 3,310 |
| Net loans and leases to core deposits | 80.8888% | 3,416 |
| Total domestic deposits to total assets | 88.1610% | 1,171 |
| Equity capital to assets | 10.4575% | 3,181 |
| Core capital (leverage) ratio | 10.6953% | 2,884 |
| Tier 1 risk-based capital ratio | 14.2169% | 3,264 |
| Total risk-based capital ratio | 15.1499% | 3,327 |
| Memoranda: | ||
| Average total assets | $156,805,500 | 3,347 |
| Average earning assets | $143,472,250 | 3,356 |
| Average equity | $16,219,250 | 3,517 |
| Average total loans | $103,959,250 | 3,259 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 2,895 |
| Cost of funding earning assets | 0.3047% | 4,383 |
| Net interest margin | 3.9587% | 2,005 |
| Noninterest income to average assets | 0.7601% | 1,611 |
| Noninterest expense to average assets | 2.9299% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0994% | 2,584 |
| Return on assets (ROA) | 1.1084% | 2,557 |
| Pretax return on assets | 1.4580% | 1,962 |
| Return on Equity (ROE) | 10.7550% | 2,206 |
| Retained earnings to average equity (ytd only) | 10.7550% | 719 |
| Net charge-offs to loans | 0.0116% | 2,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 189.6667% | 435 |
| Efficiency ratio | 66.9474% | 2,833 |
| Assets per employee ($millions) | 4.3329% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 3,656 |
| Loan loss allowance to noncurrent loans | 950.4425% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 3,293 |
| Noncurrent loans to loans | 0.1082% | 4,428 |
| Net loans and leases to total assets | 66.2500% | 3,104 |
| Net loans and leases to deposits | 75.1531% | 3,428 |
| Net loans and leases to core deposits | 78.3253% | 3,551 |
| Total domestic deposits to total assets | 88.1533% | 1,302 |
| Equity capital to assets | 10.5164% | 3,095 |
| Core capital (leverage) ratio | 10.3990% | 3,139 |
| Tier 1 risk-based capital ratio | 14.1911% | 3,272 |
| Total risk-based capital ratio | 15.1337% | 3,331 |
| Memoranda: | ||
| Average total assets | $157,341,000 | 3,354 |
| Average earning assets | $143,732,330 | 3,373 |
| Average equity | $16,215,670 | 3,532 |
| Average total loans | $103,074,670 | 3,283 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,217 |
| Cost of funding earning assets | 0.2832% | 4,476 |
| Net interest margin | 3.8235% | 2,322 |
| Noninterest income to average assets | 0.7822% | 1,510 |
| Noninterest expense to average assets | 2.9212% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0252% | 2,752 |
| Return on assets (ROA) | 1.0252% | 2,772 |
| Pretax return on assets | 1.3467% | 2,194 |
| Return on Equity (ROE) | 10.0487% | 2,396 |
| Retained earnings to average equity (ytd only) | 10.0487% | 1,138 |
| Net charge-offs to loans | -0.0078% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4460% | 2,760 |
| Assets per employee ($millions) | 4.4443% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,615 |
| Loan loss allowance to noncurrent loans | 886.0656% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 3,356 |
| Noncurrent loans to loans | 0.1193% | 4,427 |
| Net loans and leases to total assets | 65.0708% | 3,169 |
| Net loans and leases to deposits | 72.7019% | 3,537 |
| Net loans and leases to core deposits | 75.9266% | 3,675 |
| Total domestic deposits to total assets | 89.5036% | 886 |
| Equity capital to assets | 10.3614% | 3,209 |
| Core capital (leverage) ratio | 10.2184% | 3,280 |
| Tier 1 risk-based capital ratio | 13.6865% | 3,552 |
| Total risk-based capital ratio | 14.6389% | 3,641 |
| Memoranda: | ||
| Average total assets | $158,019,000 | 3,385 |
| Average earning assets | $144,056,000 | 3,407 |
| Average equity | $16,121,500 | 3,571 |
| Average total loans | $102,405,000 | 3,314 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 3,171 |
| Cost of funding earning assets | 0.3042% | 4,094 |
| Net interest margin | 3.7647% | 2,547 |
| Noninterest income to average assets | 0.8269% | 1,476 |
| Noninterest expense to average assets | 2.9052% | 2,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3658% | 4,795 |
| Return on assets (ROA) | 0.3679% | 4,809 |
| Pretax return on assets | 1.3171% | 2,286 |
| Return on Equity (ROE) | 3.6171% | 4,642 |
| Retained earnings to average equity (ytd only) | 3.6171% | 3,094 |
| Net charge-offs to loans | 0.0097% | 3,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 206.1000% | 387 |
| Efficiency ratio | 68.8577% | 2,734 |
| Assets per employee ($millions) | 4.5788% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 1,996 |
| Loan loss allowance to noncurrent loans | 1,220.3540% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 3,409 |
| Noncurrent loans to loans | 0.1102% | 4,493 |
| Net loans and leases to total assets | 63.1064% | 3,476 |
| Net loans and leases to deposits | 70.1854% | 3,854 |
| Net loans and leases to core deposits | 72.8634% | 3,981 |
| Total domestic deposits to total assets | 89.9138% | 598 |
| Equity capital to assets | 9.9427% | 3,768 |
| Core capital (leverage) ratio | 9.6685% | 3,850 |
| Tier 1 risk-based capital ratio | 12.8814% | 3,985 |
| Total risk-based capital ratio | 14.0837% | 3,912 |
| Memoranda: | ||
| Average total assets | $156,855,400 | 3,390 |
| Average earning assets | $141,338,800 | 3,432 |
| Average equity | $15,952,000 | 3,601 |
| Average total loans | $102,842,400 | 3,303 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,179 |
| Cost of funding earning assets | 0.3059% | 4,077 |
| Net interest margin | 3.7435% | 2,598 |
| Noninterest income to average assets | 0.8820% | 1,327 |
| Noninterest expense to average assets | 2.9930% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7947% | 3,541 |
| Return on assets (ROA) | 0.7974% | 3,580 |
| Pretax return on assets | 1.2615% | 2,661 |
| Return on Equity (ROE) | 7.7960% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.7960% | 1,305 |
| Net charge-offs to loans | 0.0143% | 3,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 133.6933% | 578 |
| Efficiency ratio | 70.4203% | 2,470 |
| Assets per employee ($millions) | 4.5097% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,216 |
| Loan loss allowance to noncurrent loans | 168.9571% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 2,068 |
| Noncurrent loans to loans | 0.7860% | 2,397 |
| Net loans and leases to total assets | 64.8165% | 3,280 |
| Net loans and leases to deposits | 72.4985% | 3,720 |
| Net loans and leases to core deposits | 75.6194% | 3,829 |
| Total domestic deposits to total assets | 89.4039% | 698 |
| Equity capital to assets | 10.4650% | 3,407 |
| Core capital (leverage) ratio | 9.4986% | 4,172 |
| Tier 1 risk-based capital ratio | 12.3115% | 4,430 |
| Total risk-based capital ratio | 13.5060% | 4,364 |
| Memoranda: | ||
| Average total assets | $156,004,750 | 3,429 |
| Average earning assets | $140,366,000 | 3,474 |
| Average equity | $15,956,500 | 3,633 |
| Average total loans | $102,925,000 | 3,334 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,134 |
| Cost of funding earning assets | 0.3082% | 4,004 |
| Net interest margin | 3.7123% | 2,611 |
| Noninterest income to average assets | 0.8443% | 1,427 |
| Noninterest expense to average assets | 3.0156% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7334% | 3,690 |
| Return on assets (ROA) | 0.7375% | 3,746 |
| Pretax return on assets | 1.1687% | 2,900 |
| Return on Equity (ROE) | 7.2673% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.2673% | 1,466 |
| Net charge-offs to loans | -0.0390% | 5,062 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1811% | 2,306 |
| Assets per employee ($millions) | 4.5157% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 2,073 |
| Loan loss allowance to noncurrent loans | 233.2781% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.0812% | 1,615 |
| Noncurrent loans to loans | 0.5888% | 2,964 |
| Net loans and leases to total assets | 65.8933% | 3,122 |
| Net loans and leases to deposits | 73.8377% | 3,565 |
| Net loans and leases to core deposits | 77.2587% | 3,658 |
| Total domestic deposits to total assets | 89.2407% | 833 |
| Equity capital to assets | 10.5814% | 3,254 |
| Core capital (leverage) ratio | 9.1071% | 4,608 |
| Tier 1 risk-based capital ratio | 11.9158% | 4,689 |
| Total risk-based capital ratio | 13.1480% | 4,597 |
| Memoranda: | ||
| Average total assets | $155,392,670 | 3,447 |
| Average earning assets | $139,536,000 | 3,502 |
| Average equity | $15,769,330 | 3,668 |
| Average total loans | $102,672,000 | 3,346 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 3,436 |
| Cost of funding earning assets | 0.3059% | 3,982 |
| Net interest margin | 3.5826% | 2,952 |
| Noninterest income to average assets | 0.8751% | 1,320 |
| Noninterest expense to average assets | 3.1269% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5988% | 4,168 |
| Return on assets (ROA) | 0.5988% | 4,218 |
| Pretax return on assets | 0.9544% | 3,571 |
| Return on Equity (ROE) | 6.0267% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.0267% | 2,318 |
| Net charge-offs to loans | 0.0117% | 2,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 124.3333% | 442 |
| Efficiency ratio | 76.6144% | 1,816 |
| Assets per employee ($millions) | 4.4885% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 2,252 |
| Loan loss allowance to noncurrent loans | 280.5668% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0995% | 1,620 |
| Noncurrent loans to loans | 0.4854% | 3,350 |
| Net loans and leases to total assets | 65.7792% | 3,006 |
| Net loans and leases to deposits | 73.4329% | 3,460 |
| Net loans and leases to core deposits | 77.1445% | 3,548 |
| Total domestic deposits to total assets | 89.5773% | 862 |
| Equity capital to assets | 10.2851% | 3,421 |
| Core capital (leverage) ratio | 8.7487% | 4,999 |
| Tier 1 risk-based capital ratio | 11.6707% | 4,932 |
| Total risk-based capital ratio | 12.9041% | 4,839 |
| Memoranda: | ||
| Average total assets | $156,322,500 | 3,469 |
| Average earning assets | $139,900,000 | 3,527 |
| Average equity | $15,531,000 | 3,720 |
| Average total loans | $102,719,500 | 3,371 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,170 |
| Cost of funding earning assets | 0.3341% | 3,703 |
| Net interest margin | 3.6735% | 2,803 |
| Noninterest income to average assets | 0.6053% | 2,632 |
| Noninterest expense to average assets | 3.1572% | 1,878 |
| Loan and lease loss provision to assets | 0.1374% | 1,818 |
| Net operating income to assets | 0.3826% | 4,999 |
| Return on assets (ROA) | 0.4103% | 4,988 |
| Pretax return on assets | 0.6262% | 4,717 |
| Return on Equity (ROE) | 4.0215% | 4,827 |
| Retained earnings to average equity (ytd only) | 2.7195% | 3,971 |
| Net charge-offs to loans | 0.3666% | 744 |
| Credit loss provision to net charge-offs | 54.6875% | 3,322 |
| Earnings coverage of net charge-offs (x) | 2.8724% | 3,755 |
| Efficiency ratio | 81.3934% | 1,270 |
| Assets per employee ($millions) | 4.8496% | 2,573 |
| Cash dividends to net income (ytd only)* | 32.3764% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 2,340 |
| Loan loss allowance to noncurrent loans | 238.2504% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5428% | 1,055 |
| Noncurrent loans to loans | 0.5624% | 3,155 |
| Net loans and leases to total assets | 63.9100% | 3,369 |
| Net loans and leases to deposits | 70.8259% | 3,823 |
| Net loans and leases to core deposits | 73.9753% | 3,925 |
| Total domestic deposits to total assets | 90.2353% | 546 |
| Equity capital to assets | 9.6016% | 4,166 |
| Core capital (leverage) ratio | 8.6968% | 5,079 |
| Tier 1 risk-based capital ratio | 11.1874% | 5,232 |
| Total risk-based capital ratio | 12.4068% | 5,140 |
| Memoranda: | ||
| Average total assets | $152,824,000 | 3,472 |
| Average earning assets | $136,190,600 | 3,553 |
| Average equity | $15,591,200 | 3,745 |
| Average total loans | $104,758,800 | 3,301 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,055 |
| Cost of funding earning assets | 0.3416% | 3,637 |
| Net interest margin | 3.7039% | 2,705 |
| Noninterest income to average assets | 0.4070% | 3,875 |
| Noninterest expense to average assets | 3.1447% | 1,915 |
| Loan and lease loss provision to assets | 0.1854% | 1,178 |
| Net operating income to assets | 0.2552% | 5,380 |
| Return on assets (ROA) | 0.2931% | 5,385 |
| Pretax return on assets | 0.4361% | 5,248 |
| Return on Equity (ROE) | 2.8290% | 5,262 |
| Retained earnings to average equity (ytd only) | 1.5764% | 4,879 |
| Net charge-offs to loans | 0.4138% | 519 |
| Credit loss provision to net charge-offs | 64.4172% | 2,862 |
| Earnings coverage of net charge-offs (x) | 1.9632% | 3,634 |
| Efficiency ratio | 84.7692% | 930 |
| Assets per employee ($millions) | 4.3501% | 3,330 |
| Cash dividends to net income (ytd only)* | 44.2778% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 2,264 |
| Loan loss allowance to noncurrent loans | 98.2349% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 586 |
| Noncurrent loans to loans | 1.4101% | 1,555 |
| Net loans and leases to total assets | 69.6494% | 2,541 |
| Net loans and leases to deposits | 78.1097% | 3,175 |
| Net loans and leases to core deposits | 81.5922% | 3,316 |
| Total domestic deposits to total assets | 89.1687% | 815 |
| Equity capital to assets | 10.6846% | 3,370 |
| Core capital (leverage) ratio | 8.4894% | 5,365 |
| Tier 1 risk-based capital ratio | 10.8035% | 5,471 |
| Total risk-based capital ratio | 12.0673% | 5,377 |
| Memoranda: | ||
| Average total assets | $151,021,000 | 3,522 |
| Average earning assets | $134,666,000 | 3,597 |
| Average equity | $15,647,500 | 3,766 |
| Average total loans | $105,031,500 | 3,305 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,142 |
| Cost of funding earning assets | 0.3451% | 3,619 |
| Net interest margin | 3.6843% | 2,759 |
| Noninterest income to average assets | 0.1960% | 5,324 |
| Noninterest expense to average assets | 3.1738% | 1,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2139% | 5,497 |
| Return on assets (ROA) | 0.2157% | 5,555 |
| Pretax return on assets | 0.3104% | 5,488 |
| Return on Equity (ROE) | 2.1031% | 5,484 |
| Retained earnings to average equity (ytd only) | 0.9490% | 5,016 |
| Net charge-offs to loans | 0.0247% | 2,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,843 |
| Efficiency ratio | 91.1598% | 538 |
| Assets per employee ($millions) | 4.3771% | 3,256 |
| Cash dividends to net income (ytd only)* | 54.8780% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 2,019 |
| Loan loss allowance to noncurrent loans | 49.8232% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 2.5231% | 543 |
| Noncurrent loans to loans | 2.9325% | 517 |
| Net loans and leases to total assets | 70.2423% | 2,441 |
| Net loans and leases to deposits | 79.9284% | 2,937 |
| Net loans and leases to core deposits | 83.0884% | 3,161 |
| Total domestic deposits to total assets | 87.8815% | 1,489 |
| Equity capital to assets | 10.5388% | 3,590 |
| Core capital (leverage) ratio | 8.1827% | 5,611 |
| Tier 1 risk-based capital ratio | 10.4490% | 5,690 |
| Total risk-based capital ratio | 11.7127% | 5,602 |
| Memoranda: | ||
| Average total assets | $152,059,670 | 3,529 |
| Average earning assets | $135,603,670 | 3,602 |
| Average equity | $15,595,670 | 3,791 |
| Average total loans | $105,221,330 | 3,316 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 3,092 |
| Cost of funding earning assets | 0.3431% | 3,681 |
| Net interest margin | 3.6920% | 2,699 |
| Noninterest income to average assets | 0.7158% | 1,957 |
| Noninterest expense to average assets | 3.0713% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5953% | 4,197 |
| Return on assets (ROA) | 0.5987% | 4,298 |
| Pretax return on assets | 0.9266% | 3,744 |
| Return on Equity (ROE) | 5.9158% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.9158% | 2,413 |
| Net charge-offs to loans | 0.0534% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 25.2857% | 1,300 |
| Efficiency ratio | 76.9231% | 2,055 |
| Assets per employee ($millions) | 4.3267% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 2,019 |
| Loan loss allowance to noncurrent loans | 188.2139% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 1.7935% | 1,038 |
| Noncurrent loans to loans | 0.7933% | 2,852 |
| Net loans and leases to total assets | 67.4837% | 2,731 |
| Net loans and leases to deposits | 76.6629% | 3,145 |
| Net loans and leases to core deposits | 79.9803% | 3,324 |
| Total domestic deposits to total assets | 88.0265% | 1,624 |
| Equity capital to assets | 10.3860% | 3,633 |
| Core capital (leverage) ratio | 8.7965% | 5,077 |
| Tier 1 risk-based capital ratio | 11.3225% | 5,332 |
| Total risk-based capital ratio | 12.5845% | 5,228 |
| Memoranda: | ||
| Average total assets | $153,678,500 | 3,522 |
| Average earning assets | $136,403,500 | 3,611 |
| Average equity | $15,551,500 | 3,804 |
| Average total loans | $104,789,000 | 3,337 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 3,814 |
| Cost of funding earning assets | 0.3712% | 3,472 |
| Net interest margin | 3.4984% | 3,527 |
| Noninterest income to average assets | 0.5738% | 2,870 |
| Noninterest expense to average assets | 3.1162% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3640% | 5,162 |
| Return on assets (ROA) | 0.3696% | 5,231 |
| Pretax return on assets | 0.6144% | 4,796 |
| Return on Equity (ROE) | 2.9241% | 5,328 |
| Retained earnings to average equity (ytd only) | -7.1127% | 5,984 |
| Net charge-offs to loans | 0.9800% | 209 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.9336% | 4,161 |
| Efficiency ratio | 83.7276% | 1,204 |
| Assets per employee ($millions) | 4.6204% | 2,855 |
| Cash dividends to net income (ytd only)* | 343.2432% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 2,111 |
| Loan loss allowance to noncurrent loans | 158.9431% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 2.9155% | 462 |
| Noncurrent loans to loans | 0.9297% | 2,478 |
| Net loans and leases to total assets | 66.3753% | 2,931 |
| Net loans and leases to deposits | 75.5801% | 3,312 |
| Net loans and leases to core deposits | 78.8755% | 3,456 |
| Total domestic deposits to total assets | 87.8212% | 1,737 |
| Equity capital to assets | 10.6313% | 3,207 |
| Core capital (leverage) ratio | 9.2421% | 4,557 |
| Tier 1 risk-based capital ratio | 11.7971% | 5,073 |
| Total risk-based capital ratio | 13.0657% | 4,979 |
| Memoranda: | ||
| Average total assets | $160,163,200 | 3,432 |
| Average earning assets | $144,121,200 | 3,488 |
| Average equity | $20,245,400 | 3,147 |
| Average total loans | $106,017,000 | 3,278 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 4,040 |
| Cost of funding earning assets | 0.3776% | 3,465 |
| Net interest margin | 3.4379% | 3,807 |
| Noninterest income to average assets | 0.5808% | 2,849 |
| Noninterest expense to average assets | 2.9851% | 2,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4292% | 5,053 |
| Return on assets (ROA) | 0.4441% | 5,083 |
| Pretax return on assets | 0.7340% | 4,556 |
| Return on Equity (ROE) | 3.3819% | 5,258 |
| Retained earnings to average equity (ytd only) | 1.4638% | 5,131 |
| Net charge-offs to loans | 1.3086% | 124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.8242% | 3,909 |
| Efficiency ratio | 80.7666% | 1,551 |
| Assets per employee ($millions) | 4.3912% | 3,175 |
| Cash dividends to net income (ytd only)* | 56.7159% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 2,303 |
| Loan loss allowance to noncurrent loans | 80.5054% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 3.6039% | 347 |
| Noncurrent loans to loans | 1.8206% | 1,297 |
| Net loans and leases to total assets | 68.2816% | 2,639 |
| Net loans and leases to deposits | 80.6988% | 2,799 |
| Net loans and leases to core deposits | 84.2673% | 3,015 |
| Total domestic deposits to total assets | 84.6128% | 3,168 |
| Equity capital to assets | 13.8751% | 1,075 |
| Core capital (leverage) ratio | 12.0302% | 1,660 |
| Tier 1 risk-based capital ratio | 15.7852% | 2,906 |
| Total risk-based capital ratio | 17.0513% | 2,832 |
| Memoranda: | ||
| Average total assets | $160,930,750 | 3,451 |
| Average earning assets | $145,823,250 | 3,492 |
| Average equity | $21,131,500 | 3,078 |
| Average total loans | $106,062,500 | 3,302 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,384 |
| Cost of funding earning assets | 0.3822% | 3,455 |
| Net interest margin | 3.3246% | 4,193 |
| Noninterest income to average assets | 0.6881% | 2,265 |
| Noninterest expense to average assets | 2.8578% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5123% | 4,715 |
| Return on assets (ROA) | 0.5155% | 4,803 |
| Pretax return on assets | 0.8706% | 4,064 |
| Return on Equity (ROE) | 3.9968% | 5,020 |
| Retained earnings to average equity (ytd only) | 1.1107% | 5,125 |
| Net charge-offs to loans | 0.0415% | 2,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 32.1364% | 1,307 |
| Efficiency ratio | 76.7511% | 2,236 |
| Assets per employee ($millions) | 4.7703% | 2,586 |
| Cash dividends to net income (ytd only)* | 72.2090% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3809% | 563 |
| Loan loss allowance to noncurrent loans | 49.6154% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 3.7320% | 370 |
| Noncurrent loans to loans | 4.7988% | 254 |
| Net loans and leases to total assets | 65.2204% | 3,090 |
| Net loans and leases to deposits | 76.1650% | 3,250 |
| Net loans and leases to core deposits | 79.8064% | 3,409 |
| Total domestic deposits to total assets | 85.6304% | 2,864 |
| Equity capital to assets | 12.9761% | 1,418 |
| Core capital (leverage) ratio | 12.0540% | 1,620 |
| Tier 1 risk-based capital ratio | 15.9967% | 2,864 |
| Total risk-based capital ratio | 17.2722% | 2,803 |
| Memoranda: | ||
| Average total assets | $163,343,330 | 3,445 |
| Average earning assets | $149,130,670 | 3,464 |
| Average equity | $21,067,000 | 3,104 |
| Average total loans | $105,915,000 | 3,326 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 4,489 |
| Cost of funding earning assets | 0.3960% | 3,352 |
| Net interest margin | 3.2670% | 4,358 |
| Noninterest income to average assets | 0.6930% | 2,187 |
| Noninterest expense to average assets | 3.0039% | 2,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3490% | 5,251 |
| Return on assets (ROA) | 0.3490% | 5,368 |
| Pretax return on assets | 0.6686% | 4,700 |
| Return on Equity (ROE) | 2.7138% | 5,469 |
| Retained earnings to average equity (ytd only) | -0.1518% | 5,404 |
| Net charge-offs to loans | -0.0382% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7940% | 1,648 |
| Assets per employee ($millions) | 4.4570% | 3,122 |
| Cash dividends to net income (ytd only)* | 105.5944% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4604% | 560 |
| Loan loss allowance to noncurrent loans | 46.5763% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 4.3215% | 319 |
| Noncurrent loans to loans | 5.2826% | 235 |
| Net loans and leases to total assets | 64.5352% | 3,021 |
| Net loans and leases to deposits | 76.0968% | 3,044 |
| Net loans and leases to core deposits | 79.8095% | 3,190 |
| Total domestic deposits to total assets | 84.8067% | 3,508 |
| Equity capital to assets | 13.1853% | 1,309 |
| Core capital (leverage) ratio | 11.6213% | 1,914 |
| Tier 1 risk-based capital ratio | 15.9853% | 2,928 |
| Total risk-based capital ratio | 17.2466% | 2,857 |
| Memoranda: | ||
| Average total assets | $163,920,000 | 3,451 |
| Average earning assets | $149,493,000 | 3,476 |
| Average equity | $21,077,500 | 3,127 |
| Average total loans | $104,692,000 | 3,362 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 4,643 |
| Cost of funding earning assets | 0.4277% | 3,410 |
| Net interest margin | 3.3224% | 4,503 |
| Noninterest income to average assets | 0.6754% | 2,430 |
| Noninterest expense to average assets | 2.9877% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4376% | 5,082 |
| Return on assets (ROA) | 0.4376% | 5,171 |
| Pretax return on assets | 0.7060% | 4,600 |
| Return on Equity (ROE) | 3.1040% | 5,437 |
| Retained earnings to average equity (ytd only) | -4.8473% | 6,173 |
| Net charge-offs to loans | 0.2574% | 1,671 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.3146% | 3,687 |
| Efficiency ratio | 80.8860% | 1,786 |
| Assets per employee ($millions) | 4.5240% | 2,998 |
| Cash dividends to net income (ytd only)* | 256.1625% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5207% | 534 |
| Loan loss allowance to noncurrent loans | 47.0014% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 3.9459% | 429 |
| Noncurrent loans to loans | 5.3631% | 250 |
| Net loans and leases to total assets | 60.1130% | 3,779 |
| Net loans and leases to deposits | 70.3129% | 3,867 |
| Net loans and leases to core deposits | 73.2921% | 3,992 |
| Total domestic deposits to total assets | 85.4936% | 3,085 |
| Equity capital to assets | 12.5451% | 1,621 |
| Core capital (leverage) ratio | 11.6156% | 1,889 |
| Tier 1 risk-based capital ratio | 16.9167% | 2,542 |
| Total risk-based capital ratio | 18.1794% | 2,492 |
| Memoranda: | ||
| Average total assets | $163,168,600 | 3,442 |
| Average earning assets | $148,237,400 | 3,473 |
| Average equity | $23,002,600 | 2,849 |
| Average total loans | $103,719,800 | 3,347 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,674 |
| Cost of funding earning assets | 0.4322% | 3,445 |
| Net interest margin | 3.3299% | 4,508 |
| Noninterest income to average assets | 0.6448% | 2,605 |
| Noninterest expense to average assets | 3.0126% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4063% | 5,226 |
| Return on assets (ROA) | 0.4063% | 5,301 |
| Pretax return on assets | 0.6547% | 4,861 |
| Return on Equity (ROE) | 2.8023% | 5,619 |
| Retained earnings to average equity (ytd only) | -6.1153% | 6,294 |
| Net charge-offs to loans | 0.2889% | 1,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.5378% | 3,640 |
| Efficiency ratio | 82.1485% | 1,600 |
| Assets per employee ($millions) | 4.2505% | 3,379 |
| Cash dividends to net income (ytd only)* | 318.2191% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5609% | 607 |
| Loan loss allowance to noncurrent loans | 44.7150% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 4.4414% | 414 |
| Noncurrent loans to loans | 5.7272% | 259 |
| Net loans and leases to total assets | 63.9675% | 3,175 |
| Net loans and leases to deposits | 75.6302% | 3,222 |
| Net loans and leases to core deposits | 79.4561% | 3,379 |
| Total domestic deposits to total assets | 84.5793% | 3,507 |
| Equity capital to assets | 13.2607% | 1,295 |
| Core capital (leverage) ratio | 11.3070% | 2,211 |
| Tier 1 risk-based capital ratio | 17.0536% | 2,597 |
| Total risk-based capital ratio | 18.3187% | 2,541 |
| Memoranda: | ||
| Average total assets | $162,113,750 | 3,490 |
| Average earning assets | $147,146,000 | 3,522 |
| Average equity | $23,503,500 | 2,806 |
| Average total loans | $103,843,750 | 3,376 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,819 |
| Cost of funding earning assets | 0.4255% | 3,599 |
| Net interest margin | 3.2865% | 4,638 |
| Noninterest income to average assets | 0.6389% | 2,609 |
| Noninterest expense to average assets | 3.0172% | 2,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3677% | 5,339 |
| Return on assets (ROA) | 0.3677% | 5,410 |
| Pretax return on assets | 0.6034% | 4,946 |
| Return on Equity (ROE) | 2.4686% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.3456% | 4,712 |
| Net charge-offs to loans | 0.4440% | 919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.1385% | 3,624 |
| Efficiency ratio | 83.3333% | 1,590 |
| Assets per employee ($millions) | 4.5787% | 2,803 |
| Cash dividends to net income (ytd only)* | 4.9834% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4914% | 717 |
| Loan loss allowance to noncurrent loans | 39.6453% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 4.5506% | 427 |
| Noncurrent loans to loans | 6.2842% | 238 |
| Net loans and leases to total assets | 62.6363% | 3,297 |
| Net loans and leases to deposits | 75.4960% | 3,124 |
| Net loans and leases to core deposits | 79.6602% | 3,251 |
| Total domestic deposits to total assets | 82.9665% | 4,317 |
| Equity capital to assets | 15.0121% | 696 |
| Core capital (leverage) ratio | 13.4075% | 1,011 |
| Tier 1 risk-based capital ratio | 20.0930% | 1,665 |
| Total risk-based capital ratio | 21.3578% | 1,632 |
| Memoranda: | ||
| Average total assets | $163,728,670 | 3,483 |
| Average earning assets | $148,545,330 | 3,508 |
| Average equity | $24,386,330 | 2,721 |
| Average total loans | $104,043,330 | 3,374 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 4,775 |
| Cost of funding earning assets | 0.4206% | 3,751 |
| Net interest margin | 3.2998% | 4,536 |
| Noninterest income to average assets | 0.5319% | 3,179 |
| Noninterest expense to average assets | 3.0862% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2647% | 5,616 |
| Return on assets (ROA) | 0.2647% | 5,659 |
| Pretax return on assets | 0.4265% | 5,366 |
| Return on Equity (ROE) | 1.7846% | 5,843 |
| Retained earnings to average equity (ytd only) | 1.5367% | 4,993 |
| Net charge-offs to loans | 0.3995% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.6893% | 3,041 |
| Efficiency ratio | 87.8576% | 1,239 |
| Assets per employee ($millions) | 4.3648% | 3,212 |
| Cash dividends to net income (ytd only)* | 13.8889% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6957% | 629 |
| Loan loss allowance to noncurrent loans | 42.3130% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 4.7635% | 448 |
| Noncurrent loans to loans | 6.3710% | 268 |
| Net loans and leases to total assets | 61.8212% | 3,268 |
| Net loans and leases to deposits | 74.7138% | 2,989 |
| Net loans and leases to core deposits | 78.9199% | 3,101 |
| Total domestic deposits to total assets | 82.7441% | 4,691 |
| Equity capital to assets | 15.0918% | 651 |
| Core capital (leverage) ratio | 13.4058% | 1,003 |
| Tier 1 risk-based capital ratio | 20.0162% | 1,715 |
| Total risk-based capital ratio | 21.2826% | 1,680 |
| Memoranda: | ||
| Average total assets | $163,176,000 | 3,511 |
| Average earning assets | $147,405,000 | 3,557 |
| Average equity | $24,207,000 | 2,731 |
| Average total loans | $103,123,000 | 3,403 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 3,505 |
| Cost of funding earning assets | 0.5399% | 3,197 |
| Net interest margin | 3.6186% | 3,382 |
| Noninterest income to average assets | 0.3887% | 4,527 |
| Noninterest expense to average assets | 3.2341% | 2,325 |
| Loan and lease loss provision to assets | 0.1521% | 2,376 |
| Net operating income to assets | 2.5554% | 158 |
| Return on assets (ROA) | 2.5678% | 162 |
| Pretax return on assets | 0.2652% | 5,813 |
| Return on Equity (ROE) | 19.4805% | 311 |
| Retained earnings to average equity (ytd only) | 19.4098% | 88 |
| Net charge-offs to loans | 0.4130% | 1,623 |
| Credit loss provision to net charge-offs | 56.4516% | 3,662 |
| Earnings coverage of net charge-offs (x) | 1.5023% | 4,553 |
| Efficiency ratio | 88.8737% | 1,121 |
| Assets per employee ($millions) | 4.3383% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.3628% | 4,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7682% | 626 |
| Loan loss allowance to noncurrent loans | 44.1385% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 4.6805% | 520 |
| Noncurrent loans to loans | 6.2717% | 309 |
| Net loans and leases to total assets | 61.1274% | 3,514 |
| Net loans and leases to deposits | 73.2923% | 3,360 |
| Net loans and leases to core deposits | 76.8277% | 3,513 |
| Total domestic deposits to total assets | 83.4023% | 4,397 |
| Equity capital to assets | 14.5832% | 765 |
| Core capital (leverage) ratio | 13.0698% | 1,114 |
| Tier 1 risk-based capital ratio | 19.4713% | 1,799 |
| Total risk-based capital ratio | 20.7393% | 1,753 |
| Memoranda: | ||
| Average total assets | $161,033,400 | 3,547 |
| Average earning assets | $144,643,200 | 3,589 |
| Average equity | $21,226,400 | 3,009 |
| Average total loans | $105,090,000 | 3,341 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 3,355 |
| Cost of funding earning assets | 0.5487% | 3,276 |
| Net interest margin | 3.6606% | 3,192 |
| Noninterest income to average assets | 0.5539% | 3,429 |
| Noninterest expense to average assets | 3.1900% | 2,397 |
| Loan and lease loss provision to assets | 0.2041% | 1,781 |
| Net operating income to assets | 0.4439% | 5,048 |
| Return on assets (ROA) | 0.4606% | 5,119 |
| Pretax return on assets | 0.4606% | 5,474 |
| Return on Equity (ROE) | 3.5926% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.4952% | 4,202 |
| Net charge-offs to loans | 0.4602% | 1,391 |
| Credit loss provision to net charge-offs | 67.3077% | 3,121 |
| Earnings coverage of net charge-offs (x) | 2.1374% | 4,126 |
| Efficiency ratio | 83.1163% | 1,692 |
| Assets per employee ($millions) | 4.2565% | 3,315 |
| Cash dividends to net income (ytd only)* | 2.7126% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7146% | 729 |
| Loan loss allowance to noncurrent loans | 35.6242% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 6.4230% | 343 |
| Noncurrent loans to loans | 7.6202% | 247 |
| Net loans and leases to total assets | 65.1173% | 2,780 |
| Net loans and leases to deposits | 78.4300% | 2,599 |
| Net loans and leases to core deposits | 81.6164% | 2,921 |
| Total domestic deposits to total assets | 83.0261% | 4,563 |
| Equity capital to assets | 12.4941% | 1,581 |
| Core capital (leverage) ratio | 13.2432% | 1,112 |
| Tier 1 risk-based capital ratio | 18.6690% | 2,089 |
| Total risk-based capital ratio | 19.9360% | 2,055 |
| Memoranda: | ||
| Average total assets | $160,078,250 | 3,593 |
| Average earning assets | $143,617,250 | 3,643 |
| Average equity | $20,522,750 | 3,135 |
| Average total loans | $105,452,500 | 3,356 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 3,202 |
| Cost of funding earning assets | 0.5737% | 3,179 |
| Net interest margin | 3.6627% | 3,124 |
| Noninterest income to average assets | 0.5065% | 3,786 |
| Noninterest expense to average assets | 3.1657% | 2,461 |
| Loan and lease loss provision to assets | 0.2633% | 1,406 |
| Net operating income to assets | 0.3510% | 5,400 |
| Return on assets (ROA) | 0.3761% | 5,472 |
| Pretax return on assets | 0.3761% | 5,690 |
| Return on Equity (ROE) | 2.9088% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.7633% | 4,555 |
| Net charge-offs to loans | 0.4172% | 1,551 |
| Credit loss provision to net charge-offs | 96.3303% | 2,312 |
| Earnings coverage of net charge-offs (x) | 2.2477% | 3,774 |
| Efficiency ratio | 83.7479% | 1,663 |
| Assets per employee ($millions) | 4.2347% | 3,284 |
| Cash dividends to net income (ytd only)* | 5.0000% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8589% | 668 |
| Loan loss allowance to noncurrent loans | 31.6982% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 7.5789% | 294 |
| Noncurrent loans to loans | 9.0192% | 199 |
| Net loans and leases to total assets | 66.1420% | 2,562 |
| Net loans and leases to deposits | 79.9960% | 2,316 |
| Net loans and leases to core deposits | 82.3472% | 2,764 |
| Total domestic deposits to total assets | 82.6817% | 4,819 |
| Equity capital to assets | 12.7390% | 1,444 |
| Core capital (leverage) ratio | 13.1006% | 1,128 |
| Tier 1 risk-based capital ratio | 18.7789% | 2,052 |
| Total risk-based capital ratio | 20.0472% | 2,013 |
| Memoranda: | ||
| Average total assets | $159,521,670 | 3,620 |
| Average earning assets | $142,571,670 | 3,682 |
| Average equity | $20,627,330 | 3,136 |
| Average total loans | $104,515,000 | 3,392 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,872 |
| Cost of funding earning assets | 0.6496% | 2,660 |
| Net interest margin | 3.6557% | 3,054 |
| Noninterest income to average assets | 0.6189% | 3,033 |
| Noninterest expense to average assets | 2.8532% | 3,527 |
| Loan and lease loss provision to assets | 0.2610% | 1,366 |
| Net operating income to assets | 0.7357% | 3,504 |
| Return on assets (ROA) | 0.7357% | 3,642 |
| Pretax return on assets | 0.7357% | 4,424 |
| Return on Equity (ROE) | 5.6486% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.3623% | 3,023 |
| Net charge-offs to loans | 0.3017% | 1,757 |
| Credit loss provision to net charge-offs | 134.6154% | 1,473 |
| Earnings coverage of net charge-offs (x) | 5.1410% | 2,406 |
| Efficiency ratio | 74.1123% | 3,245 |
| Assets per employee ($millions) | 4.0552% | 3,837 |
| Cash dividends to net income (ytd only)* | 5.0676% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0540% | 623 |
| Loan loss allowance to noncurrent loans | 30.8685% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 7.8576% | 321 |
| Noncurrent loans to loans | 9.8935% | 213 |
| Net loans and leases to total assets | 61.9217% | 3,078 |
| Net loans and leases to deposits | 75.3971% | 2,718 |
| Net loans and leases to core deposits | 77.2369% | 3,169 |
| Total domestic deposits to total assets | 82.1274% | 5,148 |
| Equity capital to assets | 13.2903% | 1,301 |
| Core capital (leverage) ratio | 12.9787% | 1,121 |
| Tier 1 risk-based capital ratio | 19.6346% | 1,869 |
| Total risk-based capital ratio | 20.9048% | 1,842 |
| Memoranda: | ||
| Average total assets | $160,940,500 | 3,628 |
| Average earning assets | $142,242,500 | 3,724 |
| Average equity | $20,961,000 | 3,136 |
| Average total loans | $103,430,500 | 3,430 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 2,828 |
| Cost of funding earning assets | 0.8855% | 2,025 |
| Net interest margin | 3.7591% | 3,396 |
| Noninterest income to average assets | 0.5025% | 3,881 |
| Noninterest expense to average assets | 3.0161% | 3,213 |
| Loan and lease loss provision to assets | 0.6262% | 861 |
| Net operating income to assets | 0.2329% | 5,692 |
| Return on assets (ROA) | 0.2835% | 5,740 |
| Pretax return on assets | 0.2719% | 5,874 |
| Return on Equity (ROE) | 2.3734% | 5,799 |
| Retained earnings to average equity (ytd only) | 2.3734% | 4,562 |
| Net charge-offs to loans | 1.3107% | 737 |
| Credit loss provision to net charge-offs | 71.6279% | 4,110 |
| Earnings coverage of net charge-offs (x) | 0.9694% | 4,978 |
| Efficiency ratio | 78.0634% | 2,439 |
| Assets per employee ($millions) | 4.0932% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8891% | 743 |
| Loan loss allowance to noncurrent loans | 28.7163% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 7.7397% | 379 |
| Noncurrent loans to loans | 10.0609% | 230 |
| Net loans and leases to total assets | 62.7791% | 3,100 |
| Net loans and leases to deposits | 75.8313% | 2,824 |
| Net loans and leases to core deposits | 77.8648% | 3,279 |
| Total domestic deposits to total assets | 82.7879% | 4,808 |
| Equity capital to assets | 12.7669% | 1,557 |
| Core capital (leverage) ratio | 12.6155% | 1,276 |
| Tier 1 risk-based capital ratio | 18.5707% | 2,083 |
| Total risk-based capital ratio | 19.8397% | 2,041 |
| Memoranda: | ||
| Average total assets | $172,144,600 | 3,418 |
| Average earning assets | $153,918,000 | 3,485 |
| Average equity | $20,560,800 | 3,138 |
| Average total loans | $114,826,800 | 3,192 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6997% | 2,807 |
| Cost of funding earning assets | 0.9318% | 1,967 |
| Net interest margin | 3.7679% | 3,475 |
| Noninterest income to average assets | 0.4599% | 4,210 |
| Noninterest expense to average assets | 2.8954% | 3,617 |
| Loan and lease loss provision to assets | 0.7483% | 662 |
| Net operating income to assets | 0.2135% | 5,880 |
| Return on assets (ROA) | 0.2801% | 5,878 |
| Pretax return on assets | 0.2647% | 6,015 |
| Return on Equity (ROE) | 2.3833% | 5,922 |
| Retained earnings to average equity (ytd only) | 2.3833% | 5,141 |
| Net charge-offs to loans | 1.1480% | 876 |
| Credit loss provision to net charge-offs | 97.0238% | 3,083 |
| Earnings coverage of net charge-offs (x) | 1.2272% | 4,678 |
| Efficiency ratio | 75.3635% | 2,766 |
| Assets per employee ($millions) | 4.4820% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1951% | 597 |
| Loan loss allowance to noncurrent loans | 28.1227% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 8.6906% | 325 |
| Noncurrent loans to loans | 11.3613% | 189 |
| Net loans and leases to total assets | 63.1405% | 3,183 |
| Net loans and leases to deposits | 75.4948% | 3,060 |
| Net loans and leases to core deposits | 77.4063% | 3,546 |
| Total domestic deposits to total assets | 83.6355% | 4,378 |
| Equity capital to assets | 12.5221% | 1,876 |
| Core capital (leverage) ratio | 12.0900% | 1,600 |
| Tier 1 risk-based capital ratio | 18.0371% | 2,321 |
| Total risk-based capital ratio | 19.3099% | 2,289 |
| Memoranda: | ||
| Average total assets | $174,248,750 | 3,425 |
| Average earning assets | $156,404,250 | 3,478 |
| Average equity | $20,475,250 | 3,176 |
| Average total loans | $117,072,250 | 3,183 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 2,533 |
| Cost of funding earning assets | 0.9658% | 1,958 |
| Net interest margin | 3.8291% | 3,225 |
| Noninterest income to average assets | 0.3615% | 4,948 |
| Noninterest expense to average assets | 2.8861% | 3,678 |
| Loan and lease loss provision to assets | 0.7659% | 675 |
| Net operating income to assets | 0.1491% | 6,044 |
| Return on assets (ROA) | 0.2271% | 6,026 |
| Pretax return on assets | 0.2271% | 6,104 |
| Return on Equity (ROE) | 1.9727% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.9727% | 5,209 |
| Net charge-offs to loans | -0.2499% | 7,044 |
| Credit loss provision to net charge-offs | -452.0000% | 6,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9287% | 2,754 |
| Assets per employee ($millions) | 4.5796% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7641% | 402 |
| Loan loss allowance to noncurrent loans | 33.0523% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 8.6446% | 367 |
| Noncurrent loans to loans | 11.3885% | 193 |
| Net loans and leases to total assets | 65.0752% | 2,830 |
| Net loans and leases to deposits | 77.2975% | 2,784 |
| Net loans and leases to core deposits | 80.0163% | 3,219 |
| Total domestic deposits to total assets | 84.1880% | 4,238 |
| Equity capital to assets | 12.0846% | 2,085 |
| Core capital (leverage) ratio | 11.5844% | 1,844 |
| Tier 1 risk-based capital ratio | 17.3000% | 2,545 |
| Total risk-based capital ratio | 18.5806% | 2,503 |
| Memoranda: | ||
| Average total assets | $177,053,330 | 3,408 |
| Average earning assets | $159,045,670 | 3,443 |
| Average equity | $20,378,330 | 3,179 |
| Average total loans | $120,041,330 | 3,135 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 2,794 |
| Cost of funding earning assets | 1.0201% | 1,867 |
| Net interest margin | 3.7428% | 3,625 |
| Noninterest income to average assets | 0.5286% | 3,706 |
| Noninterest expense to average assets | 2.8487% | 3,831 |
| Loan and lease loss provision to assets | 0.7652% | 653 |
| Net operating income to assets | 0.2743% | 5,735 |
| Return on assets (ROA) | 0.4269% | 5,324 |
| Pretax return on assets | 0.4269% | 5,649 |
| Return on Equity (ROE) | 3.7975% | 5,381 |
| Retained earnings to average equity (ytd only) | 3.7975% | 4,307 |
| Net charge-offs to loans | -0.0424% | 6,471 |
| Credit loss provision to net charge-offs | -2,661.5385% | 6,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2651% | 3,209 |
| Assets per employee ($millions) | 4.9847% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1496% | 715 |
| Loan loss allowance to noncurrent loans | 27.3594% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 8.7690% | 410 |
| Noncurrent loans to loans | 11.5118% | 223 |
| Net loans and leases to total assets | 65.8707% | 2,492 |
| Net loans and leases to deposits | 78.4269% | 2,428 |
| Net loans and leases to core deposits | 81.7688% | 2,860 |
| Total domestic deposits to total assets | 83.9900% | 4,496 |
| Equity capital to assets | 11.3647% | 2,564 |
| Core capital (leverage) ratio | 11.2087% | 2,105 |
| Tier 1 risk-based capital ratio | 16.2386% | 3,052 |
| Total risk-based capital ratio | 17.5098% | 2,999 |
| Memoranda: | ||
| Average total assets | $180,856,500 | 3,363 |
| Average earning assets | $162,337,000 | 3,402 |
| Average equity | $20,329,000 | 3,189 |
| Average total loans | $122,771,500 | 3,087 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 3,161 |
| Cost of funding earning assets | 1.4189% | 961 |
| Net interest margin | 3.5197% | 5,074 |
| Noninterest income to average assets | 0.0639% | 6,777 |
| Noninterest expense to average assets | 2.6517% | 4,916 |
| Loan and lease loss provision to assets | 2.1054% | 262 |
| Net operating income to assets | -3.0429% | 7,177 |
| Return on assets (ROA) | -3.0395% | 7,184 |
| Pretax return on assets | -1.5195% | 6,901 |
| Return on Equity (ROE) | -25.3142% | 7,048 |
| Retained earnings to average equity (ytd only) | -25.3142% | 7,038 |
| Net charge-offs to loans | 2.8428% | 367 |
| Credit loss provision to net charge-offs | 106.2792% | 3,200 |
| Earnings coverage of net charge-offs (x) | 0.2940% | 5,606 |
| Efficiency ratio | 81.9910% | 2,031 |
| Assets per employee ($millions) | 5.3607% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8220% | 955 |
| Loan loss allowance to noncurrent loans | 25.3935% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 8.4658% | 449 |
| Noncurrent loans to loans | 11.1131% | 259 |
| Net loans and leases to total assets | 65.8439% | 2,819 |
| Net loans and leases to deposits | 77.7024% | 2,888 |
| Net loans and leases to core deposits | 80.2602% | 3,428 |
| Total domestic deposits to total assets | 84.7385% | 3,987 |
| Equity capital to assets | 11.1180% | 2,872 |
| Core capital (leverage) ratio | 10.3410% | 2,922 |
| Tier 1 risk-based capital ratio | 15.7308% | 3,204 |
| Total risk-based capital ratio | 17.0002% | 3,154 |
| Memoranda: | ||
| Average total assets | $205,000,800 | 2,998 |
| Average earning assets | $184,648,200 | 3,032 |
| Average equity | $24,614,600 | 2,614 |
| Average total loans | $142,853,200 | 2,742 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 3,540 |
| Cost of funding earning assets | 1.4880% | 905 |
| Net interest margin | 3.4151% | 5,524 |
| Noninterest income to average assets | 0.0861% | 6,808 |
| Noninterest expense to average assets | 2.4371% | 5,670 |
| Loan and lease loss provision to assets | 2.5839% | 166 |
| Net operating income to assets | -1.1594% | 6,940 |
| Return on assets (ROA) | -1.1594% | 6,964 |
| Pretax return on assets | -1.8542% | 7,095 |
| Return on Equity (ROE) | -9.5035% | 6,881 |
| Retained earnings to average equity (ytd only) | -9.5035% | 6,843 |
| Net charge-offs to loans | 2.0384% | 615 |
| Credit loss provision to net charge-offs | 180.8237% | 1,643 |
| Earnings coverage of net charge-offs (x) | 0.5106% | 5,245 |
| Efficiency ratio | 76.9584% | 2,681 |
| Assets per employee ($millions) | 5.6667% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7786% | 464 |
| Loan loss allowance to noncurrent loans | 24.3497% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 10.9103% | 298 |
| Noncurrent loans to loans | 15.5179% | 128 |
| Net loans and leases to total assets | 64.9033% | 3,128 |
| Net loans and leases to deposits | 77.3859% | 3,106 |
| Net loans and leases to core deposits | 80.4050% | 3,577 |
| Total domestic deposits to total assets | 83.8697% | 4,295 |
| Equity capital to assets | 12.4597% | 1,941 |
| Core capital (leverage) ratio | 10.7409% | 2,628 |
| Tier 1 risk-based capital ratio | 15.9305% | 3,150 |
| Total risk-based capital ratio | 17.2115% | 3,094 |
| Memoranda: | ||
| Average total assets | $210,685,250 | 2,947 |
| Average earning assets | $190,054,250 | 2,976 |
| Average equity | $25,702,250 | 2,510 |
| Average total loans | $147,693,000 | 2,693 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 3,390 |
| Cost of funding earning assets | 1.5460% | 850 |
| Net interest margin | 3.4066% | 5,532 |
| Noninterest income to average assets | 0.0307% | 7,118 |
| Noninterest expense to average assets | 2.3724% | 5,926 |
| Loan and lease loss provision to assets | 1.5102% | 470 |
| Net operating income to assets | -0.4898% | 6,678 |
| Return on assets (ROA) | -0.4898% | 6,706 |
| Pretax return on assets | -0.7663% | 6,804 |
| Return on Equity (ROE) | -4.0411% | 6,648 |
| Retained earnings to average equity (ytd only) | -4.0411% | 6,475 |
| Net charge-offs to loans | 0.3716% | 3,067 |
| Credit loss provision to net charge-offs | 573.1449% | 542 |
| Earnings coverage of net charge-offs (x) | 2.8233% | 3,435 |
| Efficiency ratio | 76.1279% | 2,991 |
| Assets per employee ($millions) | 5.8941% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1800% | 774 |
| Loan loss allowance to noncurrent loans | 20.7814% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 11.1410% | 302 |
| Noncurrent loans to loans | 15.3020% | 130 |
| Net loans and leases to total assets | 67.4345% | 2,725 |
| Net loans and leases to deposits | 80.3846% | 2,724 |
| Net loans and leases to core deposits | 83.9329% | 3,224 |
| Total domestic deposits to total assets | 83.8898% | 4,397 |
| Equity capital to assets | 12.5667% | 1,745 |
| Core capital (leverage) ratio | 11.1796% | 2,130 |
| Tier 1 risk-based capital ratio | 16.2754% | 2,848 |
| Total risk-based capital ratio | 17.5494% | 2,805 |
| Memoranda: | ||
| Average total assets | $214,802,000 | 2,912 |
| Average earning assets | $194,561,670 | 2,944 |
| Average equity | $26,032,330 | 2,458 |
| Average total loans | $152,330,330 | 2,653 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 2,438 |
| Cost of funding earning assets | 1.6279% | 733 |
| Net interest margin | 3.5212% | 4,911 |
| Noninterest income to average assets | 0.3725% | 4,932 |
| Noninterest expense to average assets | 2.1620% | 6,509 |
| Loan and lease loss provision to assets | 1.5521% | 403 |
| Net operating income to assets | -0.0876% | 6,447 |
| Return on assets (ROA) | -0.0876% | 6,463 |
| Pretax return on assets | -0.1424% | 6,484 |
| Return on Equity (ROE) | -0.7360% | 6,454 |
| Retained earnings to average equity (ytd only) | -0.7360% | 5,931 |
| Net charge-offs to loans | 0.2783% | 2,955 |
| Credit loss provision to net charge-offs | 779.8165% | 487 |
| Earnings coverage of net charge-offs (x) | 7.0826% | 1,998 |
| Efficiency ratio | 60.5317% | 5,901 |
| Assets per employee ($millions) | 6.5974% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5899% | 1,326 |
| Loan loss allowance to noncurrent loans | 35.8491% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 6.1048% | 933 |
| Noncurrent loans to loans | 7.2245% | 743 |
| Net loans and leases to total assets | 68.6010% | 2,427 |
| Net loans and leases to deposits | 82.6809% | 2,237 |
| Net loans and leases to core deposits | 86.1679% | 2,846 |
| Total domestic deposits to total assets | 82.9708% | 4,944 |
| Equity capital to assets | 11.9873% | 1,923 |
| Core capital (leverage) ratio | 11.4313% | 1,886 |
| Tier 1 risk-based capital ratio | 15.8122% | 2,992 |
| Total risk-based capital ratio | 17.0762% | 2,953 |
| Memoranda: | ||
| Average total assets | $219,057,000 | 2,891 |
| Average earning assets | $199,023,500 | 2,899 |
| Average equity | $26,086,500 | 2,444 |
| Average total loans | $156,655,000 | 2,609 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6072% | 1,867 |
| Cost of funding earning assets | 2.1568% | 352 |
| Net interest margin | 3.4504% | 5,428 |
| Noninterest income to average assets | 0.1339% | 6,723 |
| Noninterest expense to average assets | 2.5778% | 5,510 |
| Loan and lease loss provision to assets | 1.0385% | 1,554 |
| Net operating income to assets | -0.1792% | 6,087 |
| Return on assets (ROA) | 0.0250% | 5,901 |
| Pretax return on assets | -0.0534% | 5,956 |
| Return on Equity (ROE) | 0.2196% | 5,897 |
| Retained earnings to average equity (ytd only) | 0.2196% | 5,461 |
| Net charge-offs to loans | 1.9122% | 1,073 |
| Credit loss provision to net charge-offs | 76.2085% | 5,692 |
| Earnings coverage of net charge-offs (x) | 0.4888% | 5,626 |
| Efficiency ratio | 79.4664% | 2,487 |
| Assets per employee ($millions) | 6.6788% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 2,259 |
| Loan loss allowance to noncurrent loans | 55.5460% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 3.4093% | 2,048 |
| Noncurrent loans to loans | 3.6347% | 2,055 |
| Net loans and leases to total assets | 71.1230% | 2,275 |
| Net loans and leases to deposits | 84.9736% | 2,286 |
| Net loans and leases to core deposits | 88.4702% | 2,990 |
| Total domestic deposits to total assets | 83.7001% | 4,506 |
| Equity capital to assets | 11.8308% | 2,017 |
| Core capital (leverage) ratio | 11.2168% | 2,001 |
| Tier 1 risk-based capital ratio | 15.2055% | 3,147 |
| Total risk-based capital ratio | 16.4643% | 3,095 |
| Memoranda: | ||
| Average total assets | $232,254,800 | 2,718 |
| Average earning assets | $209,337,400 | 2,764 |
| Average equity | $26,407,200 | 2,424 |
| Average total loans | $165,514,400 | 2,534 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 2,049 |
| Cost of funding earning assets | 2.2669% | 305 |
| Net interest margin | 3.3356% | 5,907 |
| Noninterest income to average assets | 0.4467% | 4,587 |
| Noninterest expense to average assets | 2.6324% | 5,187 |
| Loan and lease loss provision to assets | 1.3105% | 1,058 |
| Net operating income to assets | -0.3821% | 6,503 |
| Return on assets (ROA) | -0.0629% | 6,234 |
| Pretax return on assets | -0.0828% | 6,206 |
| Return on Equity (ROE) | -0.5587% | 6,227 |
| Retained earnings to average equity (ytd only) | -0.5587% | 5,932 |
| Net charge-offs to loans | 2.2960% | 777 |
| Credit loss provision to net charge-offs | 80.4454% | 5,116 |
| Earnings coverage of net charge-offs (x) | 0.4958% | 5,529 |
| Efficiency ratio | 76.5200% | 2,855 |
| Assets per employee ($millions) | 6.6974% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0968% | 2,002 |
| Loan loss allowance to noncurrent loans | 53.8050% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 3.8917% | 1,815 |
| Noncurrent loans to loans | 3.8970% | 1,943 |
| Net loans and leases to total assets | 70.1682% | 2,699 |
| Net loans and leases to deposits | 84.6962% | 2,578 |
| Net loans and leases to core deposits | 87.5983% | 3,427 |
| Total domestic deposits to total assets | 82.8468% | 4,657 |
| Equity capital to assets | 11.5992% | 2,454 |
| Core capital (leverage) ratio | 10.2064% | 3,038 |
| Tier 1 risk-based capital ratio | 13.9679% | 3,863 |
| Total risk-based capital ratio | 15.2269% | 3,824 |
| Memoranda: | ||
| Average total assets | $235,218,500 | 2,723 |
| Average earning assets | $211,090,000 | 2,778 |
| Average equity | $26,490,250 | 2,459 |
| Average total loans | $166,896,750 | 2,562 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5641% | 2,277 |
| Cost of funding earning assets | 2.2873% | 353 |
| Net interest margin | 3.2768% | 6,087 |
| Noninterest income to average assets | 0.3735% | 5,143 |
| Noninterest expense to average assets | 2.3263% | 6,283 |
| Loan and lease loss provision to assets | 0.7673% | 1,873 |
| Net operating income to assets | 0.1285% | 5,788 |
| Return on assets (ROA) | 0.2044% | 5,676 |
| Pretax return on assets | 0.3298% | 5,422 |
| Return on Equity (ROE) | 1.8329% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.8329% | 4,952 |
| Net charge-offs to loans | 1.3038% | 1,461 |
| Credit loss provision to net charge-offs | 83.2117% | 4,624 |
| Earnings coverage of net charge-offs (x) | 1.0611% | 4,729 |
| Efficiency ratio | 70.3921% | 4,112 |
| Assets per employee ($millions) | 6.8603% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2431% | 1,684 |
| Loan loss allowance to noncurrent loans | 68.3888% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 3.2373% | 2,178 |
| Noncurrent loans to loans | 3.2799% | 2,446 |
| Net loans and leases to total assets | 68.9539% | 3,141 |
| Net loans and leases to deposits | 87.9519% | 2,175 |
| Net loans and leases to core deposits | 90.1928% | 3,226 |
| Total domestic deposits to total assets | 78.3996% | 6,177 |
| Equity capital to assets | 11.2190% | 2,673 |
| Core capital (leverage) ratio | 10.1265% | 3,027 |
| Tier 1 risk-based capital ratio | 13.7246% | 3,920 |
| Total risk-based capital ratio | 14.9857% | 3,879 |
| Memoranda: | ||
| Average total assets | $237,720,330 | 2,727 |
| Average earning assets | $212,649,000 | 2,781 |
| Average equity | $26,516,000 | 2,450 |
| Average total loans | $168,127,670 | 2,579 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 2,476 |
| Cost of funding earning assets | 2.3105% | 420 |
| Net interest margin | 3.2150% | 6,249 |
| Noninterest income to average assets | 0.3619% | 5,246 |
| Noninterest expense to average assets | 2.3710% | 6,188 |
| Loan and lease loss provision to assets | 0.2841% | 3,756 |
| Net operating income to assets | 0.3535% | 5,064 |
| Return on assets (ROA) | 0.3535% | 5,185 |
| Pretax return on assets | 0.5682% | 4,726 |
| Return on Equity (ROE) | 3.1781% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.1781% | 4,236 |
| Net charge-offs to loans | 2.8321% | 562 |
| Credit loss provision to net charge-offs | 14.1653% | 5,007 |
| Earnings coverage of net charge-offs (x) | 0.4250% | 4,650 |
| Efficiency ratio | 73.5572% | 3,648 |
| Assets per employee ($millions) | 6.4441% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 2,788 |
| Loan loss allowance to noncurrent loans | 50.9100% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 3.2784% | 2,185 |
| Noncurrent loans to loans | 3.4987% | 2,278 |
| Net loans and leases to total assets | 66.7662% | 3,685 |
| Net loans and leases to deposits | 85.8543% | 2,614 |
| Net loans and leases to core deposits | 89.2391% | 3,466 |
| Total domestic deposits to total assets | 77.7668% | 6,375 |
| Equity capital to assets | 10.8524% | 2,894 |
| Core capital (leverage) ratio | 10.2267% | 2,900 |
| Tier 1 risk-based capital ratio | 13.5942% | 3,929 |
| Total risk-based capital ratio | 14.8491% | 3,890 |
| Memoranda: | ||
| Average total assets | $236,525,000 | 2,798 |
| Average earning assets | $210,514,000 | 2,869 |
| Average equity | $26,305,000 | 2,488 |
| Average total loans | $167,509,000 | 2,652 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8428% | 2,474 |
| Cost of funding earning assets | 2.4644% | 1,108 |
| Net interest margin | 3.3784% | 5,452 |
| Noninterest income to average assets | 0.0452% | 7,522 |
| Noninterest expense to average assets | 2.5014% | 6,125 |
| Loan and lease loss provision to assets | 2.7236% | 689 |
| Net operating income to assets | -1.3612% | 6,796 |
| Return on assets (ROA) | -1.3162% | 6,775 |
| Pretax return on assets | -2.0514% | 6,960 |
| Return on Equity (ROE) | -11.2693% | 6,718 |
| Retained earnings to average equity (ytd only) | -11.2693% | 6,620 |
| Net charge-offs to loans | 2.1820% | 1,100 |
| Credit loss provision to net charge-offs | 161.3845% | 2,749 |
| Earnings coverage of net charge-offs (x) | 0.3567% | 5,760 |
| Efficiency ratio | 80.6029% | 2,798 |
| Assets per employee ($millions) | 5.7043% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 1,395 |
| Loan loss allowance to noncurrent loans | 55.3103% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 4.1227% | 1,590 |
| Noncurrent loans to loans | 4.2733% | 1,696 |
| Net loans and leases to total assets | 72.1269% | 2,730 |
| Net loans and leases to deposits | 95.2760% | 1,419 |
| Net loans and leases to core deposits | 118.6256% | 2,070 |
| Total domestic deposits to total assets | 75.7031% | 6,737 |
| Equity capital to assets | 11.4102% | 2,385 |
| Core capital (leverage) ratio | 10.1289% | 2,967 |
| Tier 1 risk-based capital ratio | 12.8779% | 4,223 |
| Total risk-based capital ratio | 14.1403% | 4,168 |
| Memoranda: | ||
| Average total assets | $219,118,600 | 2,956 |
| Average earning assets | $198,347,000 | 2,990 |
| Average equity | $25,591,600 | 2,558 |
| Average total loans | $169,479,200 | 2,624 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8718% | 2,579 |
| Cost of funding earning assets | 2.4563% | 1,424 |
| Net interest margin | 3.4155% | 5,194 |
| Noninterest income to average assets | 0.3523% | 5,672 |
| Noninterest expense to average assets | 2.3892% | 6,450 |
| Loan and lease loss provision to assets | 1.2143% | 1,597 |
| Net operating income to assets | -0.0852% | 5,866 |
| Return on assets (ROA) | -0.0246% | 5,815 |
| Pretax return on assets | -0.0412% | 5,773 |
| Return on Equity (ROE) | -0.2093% | 5,813 |
| Retained earnings to average equity (ytd only) | -0.2093% | 5,266 |
| Net charge-offs to loans | 1.0779% | 1,849 |
| Credit loss provision to net charge-offs | 143.9504% | 3,392 |
| Earnings coverage of net charge-offs (x) | 1.2784% | 4,814 |
| Efficiency ratio | 68.9007% | 4,811 |
| Assets per employee ($millions) | 5.5520% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,050 |
| Loan loss allowance to noncurrent loans | 33.4876% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 3.9555% | 1,630 |
| Noncurrent loans to loans | 4.1235% | 1,767 |
| Net loans and leases to total assets | 72.6638% | 2,868 |
| Net loans and leases to deposits | 98.0068% | 1,330 |
| Net loans and leases to core deposits | 128.3809% | 1,549 |
| Total domestic deposits to total assets | 74.1416% | 6,922 |
| Equity capital to assets | 12.8541% | 1,758 |
| Core capital (leverage) ratio | 12.4412% | 1,604 |
| Tier 1 risk-based capital ratio | 15.5081% | 2,824 |
| Total risk-based capital ratio | 16.7559% | 2,765 |
| Memoranda: | ||
| Average total assets | $216,855,000 | 3,002 |
| Average earning assets | $197,799,500 | 3,015 |
| Average equity | $25,480,750 | 2,588 |
| Average total loans | $169,709,500 | 2,652 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9037% | 2,563 |
| Cost of funding earning assets | 2.4528% | 1,769 |
| Net interest margin | 3.4509% | 4,981 |
| Noninterest income to average assets | 0.4539% | 4,822 |
| Noninterest expense to average assets | 2.3942% | 6,480 |
| Loan and lease loss provision to assets | 0.9819% | 1,718 |
| Net operating income to assets | 0.1716% | 5,344 |
| Return on assets (ROA) | 0.1716% | 5,450 |
| Pretax return on assets | 0.2748% | 5,263 |
| Return on Equity (ROE) | 1.5111% | 5,454 |
| Retained earnings to average equity (ytd only) | 1.5111% | 4,486 |
| Net charge-offs to loans | -0.0035% | 7,502 |
| Credit loss provision to net charge-offs | -34,900.0000% | 7,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5792% | 5,617 |
| Assets per employee ($millions) | 5.6593% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 2,696 |
| Loan loss allowance to noncurrent loans | 462.8141% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 6,239 |
| Noncurrent loans to loans | 0.3478% | 6,644 |
| Net loans and leases to total assets | 78.5379% | 1,631 |
| Net loans and leases to deposits | 108.7468% | 616 |
| Net loans and leases to core deposits | 142.1900% | 926 |
| Total domestic deposits to total assets | 72.2209% | 7,216 |
| Equity capital to assets | 13.6784% | 1,430 |
| Core capital (leverage) ratio | 13.2334% | 1,353 |
| Tier 1 risk-based capital ratio | 16.4660% | 2,457 |
| Total risk-based capital ratio | 17.7185% | 2,398 |
| Memoranda: | ||
| Average total assets | $213,262,670 | 3,070 |
| Average earning assets | $197,570,000 | 3,032 |
| Average equity | $24,221,000 | 2,728 |
| Average total loans | $170,372,000 | 2,678 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9106% | 2,743 |
| Cost of funding earning assets | 2.5282% | 1,811 |
| Net interest margin | 3.3825% | 5,205 |
| Noninterest income to average assets | 0.3673% | 5,488 |
| Noninterest expense to average assets | 2.2188% | 6,810 |
| Loan and lease loss provision to assets | 0.5651% | 2,225 |
| Net operating income to assets | 0.4464% | 4,667 |
| Return on assets (ROA) | 0.4464% | 4,841 |
| Pretax return on assets | 0.7157% | 4,376 |
| Return on Equity (ROE) | 4.3841% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.3841% | 3,479 |
| Net charge-offs to loans | -0.0071% | 7,227 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4015% | 5,794 |
| Assets per employee ($millions) | 5.6086% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 4,842 |
| Loan loss allowance to noncurrent loans | 392.9825% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 6,163 |
| Noncurrent loans to loans | 0.3041% | 6,674 |
| Net loans and leases to total assets | 78.2082% | 1,776 |
| Net loans and leases to deposits | 105.5898% | 900 |
| Net loans and leases to core deposits | 145.9064% | 867 |
| Total domestic deposits to total assets | 74.0679% | 6,880 |
| Equity capital to assets | 10.1316% | 3,849 |
| Core capital (leverage) ratio | 9.8479% | 3,583 |
| Tier 1 risk-based capital ratio | 11.9161% | 5,029 |
| Total risk-based capital ratio | 13.0451% | 5,048 |
| Memoranda: | ||
| Average total assets | $212,367,000 | 3,092 |
| Average earning assets | $196,662,000 | 3,056 |
| Average equity | $21,623,500 | 3,025 |
| Average total loans | $169,727,000 | 2,703 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2451% | 4,274 |
| Cost of funding earning assets | 3.2408% | 1,067 |
| Net interest margin | 3.0043% | 6,903 |
| Noninterest income to average assets | 0.4031% | 5,446 |
| Noninterest expense to average assets | 3.5579% | 2,245 |
| Loan and lease loss provision to assets | 0.6592% | 2,203 |
| Net operating income to assets | -0.6965% | 7,063 |
| Return on assets (ROA) | -0.6888% | 6,965 |
| Pretax return on assets | -1.0419% | 7,024 |
| Return on Equity (ROE) | -6.1139% | 6,969 |
| Retained earnings to average equity (ytd only) | -6.1139% | 6,677 |
| Net charge-offs to loans | 0.2403% | 3,853 |
| Credit loss provision to net charge-offs | 355.7994% | 1,257 |
| Earnings coverage of net charge-offs (x) | -2.1285% | 6,714 |
| Efficiency ratio | 112.4656% | 663 |
| Assets per employee ($millions) | 5.5686% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 6,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 6,754 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 79.8850% | 1,690 |
| Net loans and leases to deposits | 111.7950% | 717 |
| Net loans and leases to core deposits | 149.2680% | 880 |
| Total domestic deposits to total assets | 71.4567% | 7,095 |
| Equity capital to assets | 10.2331% | 3,767 |
| Core capital (leverage) ratio | 9.7677% | 3,688 |
| Tier 1 risk-based capital ratio | 11.0150% | 5,714 |
| Total risk-based capital ratio | 11.9651% | 5,896 |
| Memoranda: | ||
| Average total assets | $172,178,000 | 3,514 |
| Average earning assets | $158,204,000 | 3,503 |
| Average equity | $19,398,400 | 3,324 |
| Average total loans | $132,753,200 | 3,223 |