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Select 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 | 5.1863% | 1,697 |
| Cost of funding earning assets | 2.2807% | 562 |
| Net interest margin | 2.9056% | 3,476 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.0098% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7467% | 3,052 |
| Return on assets (ROA) | 0.7467% | 3,040 |
| Pretax return on assets | 0.9216% | 2,905 |
| Return on Equity (ROE) | 10.7900% | 2,281 |
| Retained earnings to average equity (ytd only) | 6.8441% | 1,934 |
| Net charge-offs to loans | -0.0024% | 3,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.5622% | 2,050 |
| Assets per employee ($millions) | 8.8754% | 1,028 |
| Cash dividends to net income (ytd only)* | 36.5588% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7793% | 4,005 |
| Loan loss allowance to noncurrent loans | 135.9693% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 1,190 |
| Noncurrent loans to loans | 0.5732% | 1,367 |
| Net loans and leases to total assets | 81.4400% | 485 |
| Net loans and leases to deposits | 88.0764% | 1,425 |
| Net loans and leases to core deposits | 99.2037% | 1,476 |
| Total domestic deposits to total assets | 92.4700% | 233 |
| Equity capital to assets | 7.1351% | 3,884 |
| Core capital (leverage) ratio | 8.6085% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0415% | 2,231 |
| Memoranda: | ||
| Average total assets | $455,319,600 | 1,837 |
| Average earning assets | $429,476,600 | 1,814 |
| Average equity | $31,516,400 | 2,200 |
| Average total loans | $376,423,400 | 1,529 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 1,675 |
| Cost of funding earning assets | 2.0874% | 611 |
| Net interest margin | 2.9878% | 3,360 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.0126% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8383% | 2,906 |
| Return on assets (ROA) | 0.8383% | 2,882 |
| Pretax return on assets | 0.9942% | 2,874 |
| Return on Equity (ROE) | 12.2100% | 2,071 |
| Retained earnings to average equity (ytd only) | 8.9704% | 1,695 |
| Net charge-offs to loans | -0.0025% | 3,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.9351% | 2,155 |
| Assets per employee ($millions) | 8.4276% | 1,149 |
| Cash dividends to net income (ytd only)* | 26.5234% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7798% | 4,020 |
| Loan loss allowance to noncurrent loans | 145.9709% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 1,289 |
| Noncurrent loans to loans | 0.5342% | 1,488 |
| Net loans and leases to total assets | 84.0700% | 273 |
| Net loans and leases to deposits | 90.6386% | 1,186 |
| Net loans and leases to core deposits | 104.4145% | 1,100 |
| Total domestic deposits to total assets | 92.7500% | 342 |
| Equity capital to assets | 6.8305% | 3,694 |
| Core capital (leverage) ratio | 8.7310% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1073% | 2,228 |
| Memoranda: | ||
| Average total assets | $451,550,500 | 1,846 |
| Average earning assets | $425,582,500 | 1,825 |
| Average equity | $31,004,750 | 2,209 |
| Average total loans | $374,004,250 | 1,534 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 1,816 |
| Cost of funding earning assets | 1.8600% | 661 |
| Net interest margin | 3.0181% | 3,383 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.9904% | 3,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8557% | 2,903 |
| Return on assets (ROA) | 0.8557% | 2,904 |
| Pretax return on assets | 1.0498% | 2,777 |
| Return on Equity (ROE) | 12.4400% | 2,030 |
| Retained earnings to average equity (ytd only) | 8.4318% | 1,839 |
| Net charge-offs to loans | -0.0027% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.4689% | 2,314 |
| Assets per employee ($millions) | 8.1211% | 1,268 |
| Cash dividends to net income (ytd only)* | 32.2263% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 4,056 |
| Loan loss allowance to noncurrent loans | 545.3721% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 2,694 |
| Noncurrent loans to loans | 0.1434% | 2,752 |
| Net loans and leases to total assets | 83.8100% | 286 |
| Net loans and leases to deposits | 90.5439% | 1,141 |
| Net loans and leases to core deposits | 107.0989% | 945 |
| Total domestic deposits to total assets | 92.5600% | 315 |
| Equity capital to assets | 6.9834% | 3,810 |
| Core capital (leverage) ratio | 8.6270% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2295% | 2,207 |
| Memoranda: | ||
| Average total assets | $450,369,667 | 1,851 |
| Average earning assets | $424,512,000 | 1,829 |
| Average equity | $30,978,000 | 2,219 |
| Average total loans | $370,142,667 | 1,534 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5368% | 2,230 |
| Cost of funding earning assets | 1.5142% | 822 |
| Net interest margin | 3.0226% | 3,545 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.9564% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8791% | 2,923 |
| Return on assets (ROA) | 0.8791% | 2,878 |
| Pretax return on assets | 1.0755% | 2,781 |
| Return on Equity (ROE) | 12.8800% | 2,008 |
| Retained earnings to average equity (ytd only) | 11.1418% | 1,439 |
| Net charge-offs to loans | -0.0033% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5275% | 2,384 |
| Assets per employee ($millions) | 8.7573% | 1,029 |
| Cash dividends to net income (ytd only)* | 13.5025% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 4,071 |
| Loan loss allowance to noncurrent loans | 507.2635% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 2,607 |
| Noncurrent loans to loans | 0.1593% | 2,691 |
| Net loans and leases to total assets | 80.9600% | 460 |
| Net loans and leases to deposits | 87.3762% | 1,262 |
| Net loans and leases to core deposits | 104.0534% | 921 |
| Total domestic deposits to total assets | 92.6500% | 364 |
| Equity capital to assets | 6.9408% | 3,862 |
| Core capital (leverage) ratio | 8.8807% | 3,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5943% | 2,141 |
| Memoranda: | ||
| Average total assets | $448,164,500 | 1,882 |
| Average earning assets | $421,885,000 | 1,859 |
| Average equity | $30,587,500 | 2,269 |
| Average total loans | $363,136,500 | 1,571 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 1,549 |
| Cost of funding earning assets | 0.7262% | 519 |
| Net interest margin | 3.3399% | 2,452 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.4904% | 2,152 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8201% | 3,255 |
| Return on assets (ROA) | 0.8201% | 3,191 |
| Pretax return on assets | 0.9682% | 3,164 |
| Return on Equity (ROE) | 11.2200% | 2,402 |
| Retained earnings to average equity (ytd only) | 7.2984% | 2,106 |
| Net charge-offs to loans | 0.0285% | 1,492 |
| Credit loss provision to net charge-offs | 282.6087% | 944 |
| Earnings coverage of net charge-offs (x) | 46.0109% | 1,418 |
| Efficiency ratio | 70.7099% | 1,596 |
| Assets per employee ($millions) | 7.8741% | 1,388 |
| Cash dividends to net income (ytd only)* | 34.9777% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 4,302 |
| Loan loss allowance to noncurrent loans | 251.9597% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 2,160 |
| Noncurrent loans to loans | 0.2518% | 2,263 |
| Net loans and leases to total assets | 79.9100% | 604 |
| Net loans and leases to deposits | 86.0159% | 1,313 |
| Net loans and leases to core deposits | 99.3451% | 1,038 |
| Total domestic deposits to total assets | 92.9000% | 430 |
| Equity capital to assets | 6.7056% | 3,810 |
| Core capital (leverage) ratio | 8.9002% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4905% | 2,172 |
| Memoranda: | ||
| Average total assets | $410,330,000 | 1,988 |
| Average earning assets | $385,729,000 | 1,961 |
| Average equity | $29,979,200 | 2,337 |
| Average total loans | $323,131,800 | 1,627 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 1,657 |
| Cost of funding earning assets | 0.6296% | 373 |
| Net interest margin | 3.2020% | 2,615 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.3913% | 2,366 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8659% | 3,016 |
| Return on assets (ROA) | 0.8659% | 2,987 |
| Pretax return on assets | 1.0549% | 2,861 |
| Return on Equity (ROE) | 11.5900% | 2,176 |
| Retained earnings to average equity (ytd only) | 8.4079% | 1,850 |
| Net charge-offs to loans | -0.0102% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.1895% | 1,866 |
| Assets per employee ($millions) | 7.5635% | 1,576 |
| Cash dividends to net income (ytd only)* | 27.4570% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 4,352 |
| Loan loss allowance to noncurrent loans | 158.5312% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 1,649 |
| Noncurrent loans to loans | 0.3961% | 1,822 |
| Net loans and leases to total assets | 81.2900% | 423 |
| Net loans and leases to deposits | 87.6345% | 1,059 |
| Net loans and leases to core deposits | 94.0245% | 1,091 |
| Total domestic deposits to total assets | 92.7700% | 641 |
| Equity capital to assets | 6.9203% | 3,559 |
| Core capital (leverage) ratio | 8.9656% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9283% | 2,084 |
| Memoranda: | ||
| Average total assets | $402,675,500 | 2,035 |
| Average earning assets | $378,218,000 | 2,015 |
| Average equity | $30,082,000 | 2,365 |
| Average total loans | $315,260,750 | 1,650 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 1,607 |
| Cost of funding earning assets | 0.5971% | 279 |
| Net interest margin | 3.0765% | 2,614 |
| Noninterest income to average assets | 0.5685% | 1,870 |
| Noninterest expense to average assets | 2.4448% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8352% | 2,835 |
| Return on assets (ROA) | 0.8352% | 2,807 |
| Pretax return on assets | 1.0165% | 2,663 |
| Return on Equity (ROE) | 10.9002% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.0714% | 1,269 |
| Net charge-offs to loans | -0.0150% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6326% | 1,867 |
| Assets per employee ($millions) | 7.0049% | 1,935 |
| Cash dividends to net income (ytd only)* | 16.7769% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 4,410 |
| Loan loss allowance to noncurrent loans | 169.2122% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 1,781 |
| Noncurrent loans to loans | 0.3849% | 1,981 |
| Net loans and leases to total assets | 79.0234% | 478 |
| Net loans and leases to deposits | 85.0781% | 1,049 |
| Net loans and leases to core deposits | 91.4360% | 1,042 |
| Total domestic deposits to total assets | 92.8833% | 544 |
| Equity capital to assets | 6.9183% | 3,811 |
| Core capital (leverage) ratio | 8.7149% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6329% | 2,237 |
| Memoranda: | ||
| Average total assets | $398,236,333 | 2,058 |
| Average earning assets | $374,446,667 | 2,051 |
| Average equity | $30,513,333 | 2,393 |
| Average total loans | $306,909,000 | 1,683 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 2,193 |
| Cost of funding earning assets | 0.6404% | 207 |
| Net interest margin | 2.7253% | 3,350 |
| Noninterest income to average assets | 0.9023% | 835 |
| Noninterest expense to average assets | 2.4494% | 2,020 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8344% | 2,538 |
| Return on assets (ROA) | 0.8344% | 2,533 |
| Pretax return on assets | 1.0158% | 2,389 |
| Return on Equity (ROE) | 10.3703% | 1,834 |
| Retained earnings to average equity (ytd only) | 8.5180% | 1,418 |
| Net charge-offs to loans | -0.0013% | 3,045 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6846% | 2,135 |
| Assets per employee ($millions) | 7.0326% | 1,971 |
| Cash dividends to net income (ytd only)* | 17.8615% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 4,401 |
| Loan loss allowance to noncurrent loans | 126.5492% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 1,424 |
| Noncurrent loans to loans | 0.5458% | 1,672 |
| Net loans and leases to total assets | 76.0419% | 506 |
| Net loans and leases to deposits | 82.8030% | 955 |
| Net loans and leases to core deposits | 90.4176% | 904 |
| Total domestic deposits to total assets | 91.8347% | 642 |
| Equity capital to assets | 7.7476% | 3,768 |
| Core capital (leverage) ratio | 8.4457% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8023% | 1,873 |
| Memoranda: | ||
| Average total assets | $394,548,500 | 2,076 |
| Average earning assets | $371,040,000 | 2,070 |
| Average equity | $31,744,500 | 2,401 |
| Average total loans | $298,840,500 | 1,705 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 791 |
| Cost of funding earning assets | 0.8166% | 188 |
| Net interest margin | 3.5272% | 1,663 |
| Noninterest income to average assets | 0.3028% | 3,595 |
| Noninterest expense to average assets | 2.6788% | 1,692 |
| Loan and lease loss provision to assets | 0.1506% | 801 |
| Net operating income to assets | 0.6356% | 3,787 |
| Return on assets (ROA) | 0.6356% | 3,840 |
| Pretax return on assets | 0.7983% | 3,731 |
| Return on Equity (ROE) | 8.1088% | 3,188 |
| Retained earnings to average equity (ytd only) | 6.1022% | 2,316 |
| Net charge-offs to loans | 0.0246% | 1,754 |
| Credit loss provision to net charge-offs | 767.1233% | 620 |
| Earnings coverage of net charge-offs (x) | 48.3425% | 1,317 |
| Efficiency ratio | 73.8438% | 1,322 |
| Assets per employee ($millions) | 7.2023% | 1,787 |
| Cash dividends to net income (ytd only)* | 24.7462% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 4,411 |
| Loan loss allowance to noncurrent loans | 112.5405% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 1,394 |
| Noncurrent loans to loans | 0.6245% | 1,589 |
| Net loans and leases to total assets | 74.2598% | 645 |
| Net loans and leases to deposits | 82.6115% | 1,010 |
| Net loans and leases to core deposits | 90.8132% | 935 |
| Total domestic deposits to total assets | 89.8904% | 1,007 |
| Equity capital to assets | 8.3392% | 4,150 |
| Core capital (leverage) ratio | 8.4618% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4384% | 1,403 |
| Memoranda: | ||
| Average total assets | $371,916,400 | 2,102 |
| Average earning assets | $350,586,000 | 2,080 |
| Average equity | $29,153,600 | 2,589 |
| Average total loans | $297,219,400 | 1,716 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 1,222 |
| Cost of funding earning assets | 0.8136% | 230 |
| Net interest margin | 3.3237% | 2,348 |
| Noninterest income to average assets | 0.3123% | 3,563 |
| Noninterest expense to average assets | 2.4617% | 2,234 |
| Loan and lease loss provision to assets | 0.1823% | 587 |
| Net operating income to assets | 0.6425% | 3,922 |
| Return on assets (ROA) | 0.6425% | 3,976 |
| Pretax return on assets | 0.8036% | 3,887 |
| Return on Equity (ROE) | 8.3404% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.9921% | 2,421 |
| Net charge-offs to loans | 0.0336% | 1,402 |
| Credit loss provision to net charge-offs | 666.6667% | 661 |
| Earnings coverage of net charge-offs (x) | 36.0667% | 1,433 |
| Efficiency ratio | 71.4059% | 1,452 |
| Assets per employee ($millions) | 7.1343% | 1,783 |
| Cash dividends to net income (ytd only)* | 16.1656% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6944% | 4,516 |
| Loan loss allowance to noncurrent loans | 114.5042% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 1,622 |
| Noncurrent loans to loans | 0.6064% | 1,791 |
| Net loans and leases to total assets | 75.0217% | 612 |
| Net loans and leases to deposits | 83.1146% | 1,022 |
| Net loans and leases to core deposits | 91.5800% | 942 |
| Total domestic deposits to total assets | 90.2630% | 652 |
| Equity capital to assets | 7.8614% | 4,577 |
| Core capital (leverage) ratio | 7.8158% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4442% | 1,259 |
| Memoranda: | ||
| Average total assets | $365,863,500 | 2,142 |
| Average earning assets | $345,110,750 | 2,126 |
| Average equity | $28,183,500 | 2,669 |
| Average total loans | $297,462,750 | 1,749 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 1,510 |
| Cost of funding earning assets | 0.8532% | 227 |
| Net interest margin | 3.1724% | 2,844 |
| Noninterest income to average assets | 0.2933% | 3,671 |
| Noninterest expense to average assets | 2.3250% | 2,692 |
| Loan and lease loss provision to assets | 0.1892% | 592 |
| Net operating income to assets | 0.6194% | 3,942 |
| Return on assets (ROA) | 0.6194% | 3,999 |
| Pretax return on assets | 0.7730% | 3,916 |
| Return on Equity (ROE) | 8.0997% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.0256% | 2,791 |
| Net charge-offs to loans | 0.0367% | 1,267 |
| Credit loss provision to net charge-offs | 618.1818% | 611 |
| Earnings coverage of net charge-offs (x) | 31.4364% | 1,285 |
| Efficiency ratio | 70.7296% | 1,552 |
| Assets per employee ($millions) | 6.8311% | 1,924 |
| Cash dividends to net income (ytd only)* | 25.6065% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6069% | 4,653 |
| Loan loss allowance to noncurrent loans | 157.6697% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 2,269 |
| Noncurrent loans to loans | 0.3849% | 2,522 |
| Net loans and leases to total assets | 83.5084% | 152 |
| Net loans and leases to deposits | 95.0621% | 419 |
| Net loans and leases to core deposits | 105.2178% | 494 |
| Total domestic deposits to total assets | 87.8462% | 1,915 |
| Equity capital to assets | 7.5518% | 4,720 |
| Core capital (leverage) ratio | 7.6078% | 4,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8473% | 1,676 |
| Memoranda: | ||
| Average total assets | $359,401,000 | 2,162 |
| Average earning assets | $339,176,000 | 2,142 |
| Average equity | $27,482,667 | 2,702 |
| Average total loans | $299,602,667 | 1,749 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 1,604 |
| Cost of funding earning assets | 0.8919% | 232 |
| Net interest margin | 3.1115% | 2,951 |
| Noninterest income to average assets | 0.2425% | 3,944 |
| Noninterest expense to average assets | 2.1778% | 3,175 |
| Loan and lease loss provision to assets | 0.2481% | 430 |
| Net operating income to assets | 0.6023% | 3,936 |
| Return on assets (ROA) | 0.6023% | 3,998 |
| Pretax return on assets | 0.7478% | 3,916 |
| Return on Equity (ROE) | 7.8255% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.8255% | 2,307 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6212% | 1,860 |
| Assets per employee ($millions) | 7.5957% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,680 |
| Loan loss allowance to noncurrent loans | 140.8844% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 2,169 |
| Noncurrent loans to loans | 0.4316% | 2,565 |
| Net loans and leases to total assets | 78.1546% | 459 |
| Net loans and leases to deposits | 98.6159% | 325 |
| Net loans and leases to core deposits | 109.6725% | 418 |
| Total domestic deposits to total assets | 79.2515% | 4,305 |
| Equity capital to assets | 7.2575% | 4,784 |
| Core capital (leverage) ratio | 7.9362% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0682% | 1,880 |
| Memoranda: | ||
| Average total assets | $354,662,000 | 2,162 |
| Average earning assets | $334,118,000 | 2,156 |
| Average equity | $27,295,500 | 2,711 |
| Average total loans | $294,441,000 | 1,772 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 1,572 |
| Cost of funding earning assets | 1.2859% | 188 |
| Net interest margin | 3.1212% | 3,578 |
| Noninterest income to average assets | 0.3320% | 3,469 |
| Noninterest expense to average assets | 2.1919% | 3,683 |
| Loan and lease loss provision to assets | 0.2938% | 1,285 |
| Net operating income to assets | 0.6138% | 3,702 |
| Return on assets (ROA) | 0.6138% | 3,827 |
| Pretax return on assets | 0.7830% | 3,667 |
| Return on Equity (ROE) | 7.2648% | 3,090 |
| Retained earnings to average equity (ytd only) | 5.7778% | 1,914 |
| Net charge-offs to loans | 0.1954% | 878 |
| Credit loss provision to net charge-offs | 168.6538% | 2,323 |
| Earnings coverage of net charge-offs (x) | 6.1808% | 2,802 |
| Efficiency ratio | 67.0562% | 2,356 |
| Assets per employee ($millions) | 7.3230% | 1,385 |
| Cash dividends to net income (ytd only)* | 20.4694% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5499% | 4,758 |
| Loan loss allowance to noncurrent loans | 78.4275% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 1,677 |
| Noncurrent loans to loans | 0.7011% | 1,943 |
| Net loans and leases to total assets | 87.5923% | 52 |
| Net loans and leases to deposits | 112.4658% | 135 |
| Net loans and leases to core deposits | 126.0586% | 240 |
| Total domestic deposits to total assets | 77.8835% | 4,333 |
| Equity capital to assets | 8.2018% | 4,623 |
| Core capital (leverage) ratio | 8.8637% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3281% | 1,187 |
| Memoranda: | ||
| Average total assets | $298,457,800 | 2,297 |
| Average earning assets | $280,821,200 | 2,285 |
| Average equity | $25,217,400 | 2,784 |
| Average total loans | $266,131,400 | 1,847 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 1,392 |
| Cost of funding earning assets | 1.3310% | 212 |
| Net interest margin | 3.2412% | 3,362 |
| Noninterest income to average assets | 0.3202% | 3,569 |
| Noninterest expense to average assets | 2.1984% | 3,682 |
| Loan and lease loss provision to assets | 0.2831% | 1,424 |
| Net operating income to assets | 0.7027% | 3,447 |
| Return on assets (ROA) | 0.7027% | 3,550 |
| Pretax return on assets | 0.8903% | 3,402 |
| Return on Equity (ROE) | 8.2481% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.2481% | 1,224 |
| Net charge-offs to loans | 0.2671% | 581 |
| Credit loss provision to net charge-offs | 118.4261% | 2,504 |
| Earnings coverage of net charge-offs (x) | 4.9098% | 2,779 |
| Efficiency ratio | 65.2020% | 2,557 |
| Assets per employee ($millions) | 7.7101% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4524% | 4,849 |
| Loan loss allowance to noncurrent loans | 119.7309% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 2,725 |
| Noncurrent loans to loans | 0.3779% | 2,935 |
| Net loans and leases to total assets | 90.7119% | 31 |
| Net loans and leases to deposits | 119.1638% | 122 |
| Net loans and leases to core deposits | 135.5017% | 185 |
| Total domestic deposits to total assets | 76.1237% | 4,410 |
| Equity capital to assets | 7.8901% | 4,749 |
| Core capital (leverage) ratio | 7.8832% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4360% | 984 |
| Memoranda: | ||
| Average total assets | $290,688,000 | 2,322 |
| Average earning assets | $273,681,250 | 2,310 |
| Average equity | $24,764,750 | 2,807 |
| Average total loans | $260,103,000 | 1,862 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 2,305 |
| Cost of funding earning assets | 1.3785% | 245 |
| Net interest margin | 2.9853% | 4,159 |
| Noninterest income to average assets | 0.3433% | 3,416 |
| Noninterest expense to average assets | 2.2607% | 3,620 |
| Loan and lease loss provision to assets | 0.0858% | 3,206 |
| Net operating income to assets | 0.6394% | 3,613 |
| Return on assets (ROA) | 0.6394% | 3,699 |
| Pretax return on assets | 0.8017% | 3,580 |
| Return on Equity (ROE) | 7.2971% | 3,011 |
| Retained earnings to average equity (ytd only) | 7.2971% | 1,540 |
| Net charge-offs to loans | 0.0515% | 1,751 |
| Credit loss provision to net charge-offs | 187.5000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 19.3906% | 1,723 |
| Efficiency ratio | 71.8083% | 1,708 |
| Assets per employee ($millions) | 8.0555% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4471% | 4,880 |
| Loan loss allowance to noncurrent loans | 82.2745% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 2,339 |
| Noncurrent loans to loans | 0.5434% | 2,545 |
| Net loans and leases to total assets | 89.4867% | 37 |
| Net loans and leases to deposits | 117.3959% | 113 |
| Net loans and leases to core deposits | 132.6142% | 234 |
| Total domestic deposits to total assets | 76.2264% | 4,407 |
| Equity capital to assets | 7.7534% | 4,817 |
| Core capital (leverage) ratio | 7.6807% | 4,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5232% | 1,126 |
| Memoranda: | ||
| Average total assets | $279,643,000 | 2,361 |
| Average earning assets | $262,758,333 | 2,349 |
| Average equity | $24,503,000 | 2,811 |
| Average total loans | $248,443,667 | 1,914 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6812% | 1,770 |
| Cost of funding earning assets | 1.5758% | 207 |
| Net interest margin | 3.1053% | 4,084 |
| Noninterest income to average assets | 0.2617% | 3,970 |
| Noninterest expense to average assets | 2.3193% | 3,727 |
| Loan and lease loss provision to assets | 0.0310% | 3,384 |
| Net operating income to assets | 0.6549% | 3,436 |
| Return on assets (ROA) | 0.6549% | 3,493 |
| Pretax return on assets | 0.8190% | 3,363 |
| Return on Equity (ROE) | 6.9736% | 2,962 |
| Retained earnings to average equity (ytd only) | 6.9736% | 1,545 |
| Net charge-offs to loans | 0.1141% | 1,019 |
| Credit loss provision to net charge-offs | 30.7692% | 2,153 |
| Earnings coverage of net charge-offs (x) | 8.4462% | 1,863 |
| Efficiency ratio | 73.1803% | 1,920 |
| Assets per employee ($millions) | 6.2246% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5185% | 4,857 |
| Loan loss allowance to noncurrent loans | 109.6419% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 2,753 |
| Noncurrent loans to loans | 0.4729% | 2,831 |
| Net loans and leases to total assets | 87.6343% | 74 |
| Net loans and leases to deposits | 106.2388% | 285 |
| Net loans and leases to core deposits | 121.7880% | 416 |
| Total domestic deposits to total assets | 82.4880% | 3,263 |
| Equity capital to assets | 9.3868% | 4,325 |
| Core capital (leverage) ratio | 9.3205% | 4,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5879% | 1,217 |
| Memoranda: | ||
| Average total assets | $258,355,000 | 2,441 |
| Average earning assets | $241,906,000 | 2,431 |
| Average equity | $24,263,000 | 2,826 |
| Average total loans | $227,846,500 | 2,000 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 2,077 |
| Cost of funding earning assets | 1.6639% | 225 |
| Net interest margin | 3.1252% | 4,331 |
| Noninterest income to average assets | 0.2166% | 4,368 |
| Noninterest expense to average assets | 2.2796% | 3,992 |
| Loan and lease loss provision to assets | 0.0043% | 3,914 |
| Net operating income to assets | 0.7140% | 3,826 |
| Return on assets (ROA) | 0.7140% | 3,886 |
| Pretax return on assets | 0.8787% | 3,799 |
| Return on Equity (ROE) | 7.7712% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.0067% | 1,863 |
| Net charge-offs to loans | 0.0067% | 3,433 |
| Credit loss provision to net charge-offs | 71.4286% | 2,895 |
| Earnings coverage of net charge-offs (x) | 148.2143% | 499 |
| Efficiency ratio | 72.0802% | 1,853 |
| Assets per employee ($millions) | 6.5456% | 1,260 |
| Cash dividends to net income (ytd only)* | 22.7056% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 4,820 |
| Loan loss allowance to noncurrent loans | 107.9268% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 2,551 |
| Noncurrent loans to loans | 0.5093% | 2,664 |
| Net loans and leases to total assets | 87.8086% | 88 |
| Net loans and leases to deposits | 101.8266% | 481 |
| Net loans and leases to core deposits | 116.1526% | 589 |
| Total domestic deposits to total assets | 86.2334% | 1,966 |
| Equity capital to assets | 9.3960% | 4,433 |
| Core capital (leverage) ratio | 9.7548% | 3,785 |
| Tier 1 risk-based capital ratio | 17.1476% | 2,008 |
| Total risk-based capital ratio | 18.0334% | 2,065 |
| Memoranda: | ||
| Average total assets | $235,001,200 | 2,543 |
| Average earning assets | $221,521,400 | 2,524 |
| Average equity | $21,592,600 | 2,996 |
| Average total loans | $209,686,800 | 2,082 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 2,158 |
| Cost of funding earning assets | 1.6521% | 244 |
| Net interest margin | 3.1373% | 4,419 |
| Noninterest income to average assets | 0.2082% | 4,475 |
| Noninterest expense to average assets | 2.3009% | 3,947 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6912% | 4,043 |
| Return on assets (ROA) | 0.6912% | 4,099 |
| Pretax return on assets | 0.8617% | 3,973 |
| Return on Equity (ROE) | 7.5701% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.3762% | 2,184 |
| Net charge-offs to loans | -0.0058% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7539% | 1,733 |
| Assets per employee ($millions) | 6.2573% | 1,420 |
| Cash dividends to net income (ytd only)* | 15.7718% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5883% | 4,846 |
| Loan loss allowance to noncurrent loans | 101.5397% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 2,505 |
| Noncurrent loans to loans | 0.5794% | 2,551 |
| Net loans and leases to total assets | 86.7645% | 150 |
| Net loans and leases to deposits | 100.2761% | 608 |
| Net loans and leases to core deposits | 113.9929% | 754 |
| Total domestic deposits to total assets | 86.5256% | 1,759 |
| Equity capital to assets | 8.8344% | 4,859 |
| Core capital (leverage) ratio | 9.0946% | 4,557 |
| Tier 1 risk-based capital ratio | 15.6387% | 2,586 |
| Total risk-based capital ratio | 16.5476% | 2,649 |
| Memoranda: | ||
| Average total assets | $229,932,000 | 2,604 |
| Average earning assets | $216,529,500 | 2,579 |
| Average equity | $20,994,250 | 3,064 |
| Average total loans | $205,759,750 | 2,141 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 2,112 |
| Cost of funding earning assets | 1.6163% | 256 |
| Net interest margin | 3.1666% | 4,424 |
| Noninterest income to average assets | 0.1936% | 4,593 |
| Noninterest expense to average assets | 2.2839% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7130% | 3,963 |
| Return on assets (ROA) | 0.7130% | 4,020 |
| Pretax return on assets | 0.8915% | 3,869 |
| Return on Equity (ROE) | 7.7189% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.2581% | 2,637 |
| Net charge-offs to loans | -0.0089% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9239% | 1,936 |
| Assets per employee ($millions) | 6.1492% | 1,435 |
| Cash dividends to net income (ytd only)* | 31.8804% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5979% | 4,882 |
| Loan loss allowance to noncurrent loans | 140.9910% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 2,942 |
| Noncurrent loans to loans | 0.4241% | 3,007 |
| Net loans and leases to total assets | 91.4794% | 27 |
| Net loans and leases to deposits | 101.3459% | 585 |
| Net loans and leases to core deposits | 119.6743% | 561 |
| Total domestic deposits to total assets | 90.2646% | 254 |
| Equity capital to assets | 9.2471% | 4,615 |
| Core capital (leverage) ratio | 9.1940% | 4,463 |
| Tier 1 risk-based capital ratio | 16.5845% | 2,207 |
| Total risk-based capital ratio | 17.5716% | 2,243 |
| Memoranda: | ||
| Average total assets | $225,231,330 | 2,651 |
| Average earning assets | $212,085,670 | 2,621 |
| Average equity | $20,806,000 | 3,073 |
| Average total loans | $203,350,330 | 2,163 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 2,251 |
| Cost of funding earning assets | 1.5171% | 308 |
| Net interest margin | 3.1764% | 4,435 |
| Noninterest income to average assets | 0.1749% | 4,694 |
| Noninterest expense to average assets | 2.2634% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7158% | 3,883 |
| Return on assets (ROA) | 0.7158% | 3,929 |
| Pretax return on assets | 0.9014% | 3,763 |
| Return on Equity (ROE) | 7.7527% | 3,359 |
| Retained earnings to average equity (ytd only) | 7.7527% | 1,755 |
| Net charge-offs to loans | -0.0619% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5172% | 2,111 |
| Assets per employee ($millions) | 6.1321% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 4,870 |
| Loan loss allowance to noncurrent loans | 159.7744% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 3,196 |
| Noncurrent loans to loans | 0.3989% | 3,160 |
| Net loans and leases to total assets | 87.6057% | 113 |
| Net loans and leases to deposits | 96.9600% | 894 |
| Net loans and leases to core deposits | 117.2537% | 606 |
| Total domestic deposits to total assets | 90.3524% | 332 |
| Equity capital to assets | 9.2077% | 4,525 |
| Core capital (leverage) ratio | 9.5270% | 4,099 |
| Tier 1 risk-based capital ratio | 16.5086% | 2,261 |
| Total risk-based capital ratio | 17.5162% | 2,294 |
| Memoranda: | ||
| Average total assets | $224,087,000 | 2,689 |
| Average earning assets | $210,929,500 | 2,658 |
| Average equity | $20,689,500 | 3,094 |
| Average total loans | $200,332,500 | 2,211 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6154% | 2,099 |
| Cost of funding earning assets | 1.4046% | 140 |
| Net interest margin | 3.2108% | 4,467 |
| Noninterest income to average assets | 0.2514% | 4,421 |
| Noninterest expense to average assets | 2.2523% | 4,222 |
| Loan and lease loss provision to assets | 0.0846% | 2,441 |
| Net operating income to assets | 0.7592% | 3,939 |
| Return on assets (ROA) | 0.7592% | 3,940 |
| Pretax return on assets | 0.9356% | 3,799 |
| Return on Equity (ROE) | 8.3602% | 3,293 |
| Retained earnings to average equity (ytd only) | 6.8420% | 1,737 |
| Net charge-offs to loans | 0.0133% | 3,233 |
| Credit loss provision to net charge-offs | 707.6923% | 497 |
| Earnings coverage of net charge-offs (x) | 85.3846% | 824 |
| Efficiency ratio | 68.8246% | 2,414 |
| Assets per employee ($millions) | 5.8234% | 1,650 |
| Cash dividends to net income (ytd only)* | 18.1598% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 4,941 |
| Loan loss allowance to noncurrent loans | 148.3294% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 3,004 |
| Noncurrent loans to loans | 0.4177% | 3,039 |
| Net loans and leases to total assets | 90.1007% | 63 |
| Net loans and leases to deposits | 99.7414% | 765 |
| Net loans and leases to core deposits | 114.6625% | 755 |
| Total domestic deposits to total assets | 90.3343% | 368 |
| Equity capital to assets | 9.2585% | 4,359 |
| Core capital (leverage) ratio | 9.3846% | 4,257 |
| Tier 1 risk-based capital ratio | 15.9592% | 2,418 |
| Total risk-based capital ratio | 16.9275% | 2,470 |
| Memoranda: | ||
| Average total assets | $217,604,600 | 2,712 |
| Average earning assets | $204,749,200 | 2,684 |
| Average equity | $19,760,400 | 3,106 |
| Average total loans | $195,004,800 | 2,208 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 2,051 |
| Cost of funding earning assets | 1.3670% | 115 |
| Net interest margin | 3.2094% | 4,493 |
| Noninterest income to average assets | 0.2701% | 4,346 |
| Noninterest expense to average assets | 2.2262% | 4,265 |
| Loan and lease loss provision to assets | 0.0517% | 2,953 |
| Net operating income to assets | 0.7962% | 3,917 |
| Return on assets (ROA) | 0.7962% | 3,926 |
| Pretax return on assets | 1.0116% | 3,683 |
| Return on Equity (ROE) | 8.8122% | 3,181 |
| Retained earnings to average equity (ytd only) | 6.7692% | 2,252 |
| Net charge-offs to loans | 0.0179% | 2,798 |
| Credit loss provision to net charge-offs | 323.0769% | 968 |
| Earnings coverage of net charge-offs (x) | 66.4534% | 990 |
| Efficiency ratio | 67.6768% | 2,598 |
| Assets per employee ($millions) | 5.8062% | 1,636 |
| Cash dividends to net income (ytd only)* | 23.1839% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5696% | 5,094 |
| Loan loss allowance to noncurrent loans | 435.8779% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 4,318 |
| Noncurrent loans to loans | 0.1307% | 4,295 |
| Net loans and leases to total assets | 90.3556% | 62 |
| Net loans and leases to deposits | 99.9248% | 791 |
| Net loans and leases to core deposits | 116.2703% | 703 |
| Total domestic deposits to total assets | 90.4236% | 372 |
| Equity capital to assets | 9.1241% | 4,440 |
| Core capital (leverage) ratio | 9.1700% | 4,542 |
| Tier 1 risk-based capital ratio | 15.3241% | 2,728 |
| Total risk-based capital ratio | 16.1934% | 2,828 |
| Memoranda: | ||
| Average total assets | $216,683,750 | 2,736 |
| Average earning assets | $203,855,250 | 2,709 |
| Average equity | $19,578,500 | 3,146 |
| Average total loans | $193,599,750 | 2,229 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5164% | 2,038 |
| Cost of funding earning assets | 1.3217% | 106 |
| Net interest margin | 3.1947% | 4,516 |
| Noninterest income to average assets | 0.2740% | 4,357 |
| Noninterest expense to average assets | 2.1619% | 4,455 |
| Loan and lease loss provision to assets | 0.0780% | 2,347 |
| Net operating income to assets | 0.8358% | 3,734 |
| Return on assets (ROA) | 0.8358% | 3,741 |
| Pretax return on assets | 1.0373% | 3,548 |
| Return on Equity (ROE) | 9.2811% | 2,906 |
| Retained earnings to average equity (ytd only) | 9.2811% | 1,135 |
| Net charge-offs to loans | 0.0293% | 2,274 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 42.8929% | 1,246 |
| Efficiency ratio | 65.9677% | 2,988 |
| Assets per employee ($millions) | 6.0585% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5929% | 5,112 |
| Loan loss allowance to noncurrent loans | 432.1970% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 4,197 |
| Noncurrent loans to loans | 0.1372% | 4,290 |
| Net loans and leases to total assets | 87.7097% | 153 |
| Net loans and leases to deposits | 97.0490% | 1,035 |
| Net loans and leases to core deposits | 111.7249% | 900 |
| Total domestic deposits to total assets | 90.3767% | 441 |
| Equity capital to assets | 9.1868% | 4,392 |
| Core capital (leverage) ratio | 9.2388% | 4,425 |
| Tier 1 risk-based capital ratio | 15.8777% | 2,477 |
| Total risk-based capital ratio | 16.7818% | 2,567 |
| Memoranda: | ||
| Average total assets | $215,366,330 | 2,766 |
| Average earning assets | $202,462,330 | 2,732 |
| Average equity | $19,394,330 | 3,181 |
| Average total loans | $191,300,000 | 2,253 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 1,914 |
| Cost of funding earning assets | 1.2634% | 104 |
| Net interest margin | 3.2211% | 4,399 |
| Noninterest income to average assets | 0.2748% | 4,332 |
| Noninterest expense to average assets | 2.1757% | 4,478 |
| Loan and lease loss provision to assets | 0.0449% | 2,870 |
| Net operating income to assets | 0.8804% | 3,371 |
| Return on assets (ROA) | 0.8804% | 3,386 |
| Pretax return on assets | 1.0804% | 3,246 |
| Return on Equity (ROE) | 9.8778% | 2,497 |
| Retained earnings to average equity (ytd only) | 9.8778% | 1,198 |
| Net charge-offs to loans | -0.0042% | 3,951 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9117% | 3,175 |
| Assets per employee ($millions) | 6.8081% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5899% | 5,202 |
| Loan loss allowance to noncurrent loans | 413.0112% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,280 |
| Noncurrent loans to loans | 0.1428% | 4,327 |
| Net loans and leases to total assets | 85.9409% | 264 |
| Net loans and leases to deposits | 94.8437% | 1,154 |
| Net loans and leases to core deposits | 107.6752% | 1,144 |
| Total domestic deposits to total assets | 90.6132% | 438 |
| Equity capital to assets | 8.9085% | 4,649 |
| Core capital (leverage) ratio | 9.0254% | 4,656 |
| Tier 1 risk-based capital ratio | 15.2519% | 2,765 |
| Total risk-based capital ratio | 16.1250% | 2,869 |
| Memoranda: | ||
| Average total assets | $213,996,000 | 2,803 |
| Average earning assets | $201,050,500 | 2,776 |
| Average equity | $19,073,000 | 3,241 |
| Average total loans | $190,729,000 | 2,265 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4438% | 1,902 |
| Cost of funding earning assets | 1.1274% | 116 |
| Net interest margin | 3.3164% | 4,107 |
| Noninterest income to average assets | 0.3279% | 4,126 |
| Noninterest expense to average assets | 2.2805% | 4,386 |
| Loan and lease loss provision to assets | -0.1101% | 5,488 |
| Net operating income to assets | 0.6973% | 3,615 |
| Return on assets (ROA) | 0.6973% | 3,666 |
| Pretax return on assets | 1.2644% | 2,490 |
| Return on Equity (ROE) | 7.7082% | 2,944 |
| Retained earnings to average equity (ytd only) | 6.8782% | 1,126 |
| Net charge-offs to loans | -0.0011% | 4,496 |
| Credit loss provision to net charge-offs | 11,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3946% | 3,190 |
| Assets per employee ($millions) | 6.7785% | 1,066 |
| Cash dividends to net income (ytd only)* | 10.7681% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 5,308 |
| Loan loss allowance to noncurrent loans | 390.2878% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 4,273 |
| Noncurrent loans to loans | 0.1440% | 4,349 |
| Net loans and leases to total assets | 91.3859% | 46 |
| Net loans and leases to deposits | 100.9616% | 663 |
| Net loans and leases to core deposits | 114.3722% | 782 |
| Total domestic deposits to total assets | 90.5155% | 392 |
| Equity capital to assets | 8.9172% | 4,802 |
| Core capital (leverage) ratio | 9.0904% | 4,534 |
| Tier 1 risk-based capital ratio | 14.0980% | 3,307 |
| Total risk-based capital ratio | 14.9144% | 3,451 |
| Memoranda: | ||
| Average total assets | $199,782,200 | 2,925 |
| Average earning assets | $187,159,000 | 2,894 |
| Average equity | $18,071,600 | 3,353 |
| Average total loans | $176,963,200 | 2,362 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3858% | 1,997 |
| Cost of funding earning assets | 1.1015% | 113 |
| Net interest margin | 3.2843% | 4,220 |
| Noninterest income to average assets | 0.3604% | 3,951 |
| Noninterest expense to average assets | 2.1643% | 4,605 |
| Loan and lease loss provision to assets | 0.0203% | 3,741 |
| Net operating income to assets | 0.8289% | 3,395 |
| Return on assets (ROA) | 0.8289% | 3,427 |
| Pretax return on assets | 1.2542% | 2,686 |
| Return on Equity (ROE) | 9.1295% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.0125% | 1,221 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9375% | 3,723 |
| Assets per employee ($millions) | 6.4105% | 1,241 |
| Cash dividends to net income (ytd only)* | 12.2352% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7152% | 5,103 |
| Loan loss allowance to noncurrent loans | 560.0840% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 4,461 |
| Noncurrent loans to loans | 0.1277% | 4,549 |
| Net loans and leases to total assets | 90.2070% | 77 |
| Net loans and leases to deposits | 99.5347% | 780 |
| Net loans and leases to core deposits | 113.9010% | 845 |
| Total domestic deposits to total assets | 90.6287% | 287 |
| Equity capital to assets | 9.0043% | 4,910 |
| Core capital (leverage) ratio | 9.2429% | 4,473 |
| Tier 1 risk-based capital ratio | 14.0586% | 3,416 |
| Total risk-based capital ratio | 15.0731% | 3,452 |
| Memoranda: | ||
| Average total assets | $197,194,500 | 2,973 |
| Average earning assets | $184,834,250 | 2,941 |
| Average equity | $17,905,000 | 3,410 |
| Average total loans | $172,924,750 | 2,409 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 2,102 |
| Cost of funding earning assets | 1.0893% | 106 |
| Net interest margin | 3.2164% | 4,363 |
| Noninterest income to average assets | 0.3845% | 3,794 |
| Noninterest expense to average assets | 2.1434% | 4,688 |
| Loan and lease loss provision to assets | 0.0308% | 3,387 |
| Net operating income to assets | 0.7947% | 3,421 |
| Return on assets (ROA) | 0.7947% | 3,478 |
| Pretax return on assets | 1.2213% | 2,692 |
| Return on Equity (ROE) | 8.7264% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.7264% | 929 |
| Net charge-offs to loans | -0.0024% | 4,193 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1244% | 3,813 |
| Assets per employee ($millions) | 6.0530% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 5,052 |
| Loan loss allowance to noncurrent loans | 454.0816% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,395 |
| Noncurrent loans to loans | 0.1672% | 4,444 |
| Net loans and leases to total assets | 87.3521% | 180 |
| Net loans and leases to deposits | 96.4378% | 1,037 |
| Net loans and leases to core deposits | 109.7970% | 1,012 |
| Total domestic deposits to total assets | 90.5787% | 330 |
| Equity capital to assets | 9.0949% | 4,810 |
| Core capital (leverage) ratio | 9.1999% | 4,488 |
| Tier 1 risk-based capital ratio | 14.8502% | 2,990 |
| Total risk-based capital ratio | 15.9415% | 2,990 |
| Memoranda: | ||
| Average total assets | $194,547,330 | 3,013 |
| Average earning assets | $182,128,000 | 2,981 |
| Average equity | $17,716,330 | 3,446 |
| Average total loans | $168,439,670 | 2,458 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,003 |
| Cost of funding earning assets | 1.0753% | 109 |
| Net interest margin | 3.2080% | 4,315 |
| Noninterest income to average assets | 0.3438% | 4,093 |
| Noninterest expense to average assets | 2.0922% | 4,870 |
| Loan and lease loss provision to assets | 0.0417% | 2,969 |
| Net operating income to assets | 0.7877% | 3,278 |
| Return on assets (ROA) | 0.7877% | 3,329 |
| Pretax return on assets | 1.2128% | 2,541 |
| Return on Equity (ROE) | 8.6444% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.6444% | 1,213 |
| Net charge-offs to loans | -0.0024% | 4,025 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5156% | 4,073 |
| Assets per employee ($millions) | 5.9151% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 5,082 |
| Loan loss allowance to noncurrent loans | 441.3333% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 4,312 |
| Noncurrent loans to loans | 0.1800% | 4,481 |
| Net loans and leases to total assets | 84.7043% | 311 |
| Net loans and leases to deposits | 93.5621% | 1,156 |
| Net loans and leases to core deposits | 107.4487% | 1,002 |
| Total domestic deposits to total assets | 90.5327% | 462 |
| Equity capital to assets | 9.1051% | 4,706 |
| Core capital (leverage) ratio | 9.3780% | 4,253 |
| Tier 1 risk-based capital ratio | 14.8108% | 3,061 |
| Total risk-based capital ratio | 15.9149% | 3,058 |
| Memoranda: | ||
| Average total assets | $191,946,500 | 3,072 |
| Average earning assets | $179,673,500 | 3,039 |
| Average equity | $17,491,000 | 3,488 |
| Average total loans | $164,749,500 | 2,513 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 1,586 |
| Cost of funding earning assets | 1.0631% | 120 |
| Net interest margin | 3.4204% | 3,751 |
| Noninterest income to average assets | 0.3377% | 4,320 |
| Noninterest expense to average assets | 2.3955% | 4,307 |
| Loan and lease loss provision to assets | 0.0913% | 2,531 |
| Net operating income to assets | 0.7144% | 3,716 |
| Return on assets (ROA) | 0.7144% | 3,835 |
| Pretax return on assets | 1.0359% | 3,340 |
| Return on Equity (ROE) | 7.7791% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.7791% | 929 |
| Net charge-offs to loans | 0.0588% | 2,871 |
| Credit loss provision to net charge-offs | 176.4045% | 1,585 |
| Earnings coverage of net charge-offs (x) | 21.7865% | 1,765 |
| Efficiency ratio | 68.0033% | 3,228 |
| Assets per employee ($millions) | 5.8967% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 5,105 |
| Loan loss allowance to noncurrent loans | 431.4570% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 4,311 |
| Noncurrent loans to loans | 0.1855% | 4,496 |
| Net loans and leases to total assets | 85.6042% | 257 |
| Net loans and leases to deposits | 94.6862% | 1,122 |
| Net loans and leases to core deposits | 109.3029% | 942 |
| Total domestic deposits to total assets | 90.4083% | 478 |
| Equity capital to assets | 9.1201% | 4,685 |
| Core capital (leverage) ratio | 9.0093% | 4,734 |
| Tier 1 risk-based capital ratio | 14.8430% | 3,032 |
| Total risk-based capital ratio | 15.9681% | 3,039 |
| Memoranda: | ||
| Average total assets | $172,027,600 | 3,261 |
| Average earning assets | $160,185,400 | 3,236 |
| Average equity | $15,798,800 | 3,720 |
| Average total loans | $151,251,000 | 2,624 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 1,529 |
| Cost of funding earning assets | 1.0545% | 124 |
| Net interest margin | 3.4495% | 3,674 |
| Noninterest income to average assets | 0.3217% | 4,476 |
| Noninterest expense to average assets | 2.3956% | 4,289 |
| Loan and lease loss provision to assets | 0.1247% | 1,869 |
| Net operating income to assets | 0.6974% | 3,863 |
| Return on assets (ROA) | 0.6974% | 3,992 |
| Pretax return on assets | 1.0103% | 3,597 |
| Return on Equity (ROE) | 7.5788% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.5788% | 1,365 |
| Net charge-offs to loans | 0.0809% | 2,165 |
| Credit loss provision to net charge-offs | 174.4444% | 1,597 |
| Earnings coverage of net charge-offs (x) | 15.8774% | 2,152 |
| Efficiency ratio | 67.8515% | 3,250 |
| Assets per employee ($millions) | 5.3920% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 5,236 |
| Loan loss allowance to noncurrent loans | 428.6184% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 4,364 |
| Noncurrent loans to loans | 0.1828% | 4,620 |
| Net loans and leases to total assets | 87.4348% | 171 |
| Net loans and leases to deposits | 96.2937% | 1,021 |
| Net loans and leases to core deposits | 111.1586% | 856 |
| Total domestic deposits to total assets | 90.8001% | 243 |
| Equity capital to assets | 8.8269% | 5,302 |
| Core capital (leverage) ratio | 9.3005% | 4,458 |
| Tier 1 risk-based capital ratio | 14.2654% | 3,421 |
| Total risk-based capital ratio | 15.3933% | 3,408 |
| Memoranda: | ||
| Average total assets | $167,861,000 | 3,328 |
| Average earning assets | $156,156,000 | 3,309 |
| Average equity | $15,446,250 | 3,788 |
| Average total loans | $148,355,500 | 2,667 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,251 |
| Cost of funding earning assets | 1.0457% | 123 |
| Net interest margin | 3.5643% | 3,234 |
| Noninterest income to average assets | 0.3020% | 4,630 |
| Noninterest expense to average assets | 2.4585% | 4,151 |
| Loan and lease loss provision to assets | 0.0957% | 2,242 |
| Net operating income to assets | 0.7284% | 3,664 |
| Return on assets (ROA) | 0.7284% | 3,816 |
| Pretax return on assets | 1.0565% | 3,375 |
| Return on Equity (ROE) | 7.7913% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.7913% | 1,248 |
| Net charge-offs to loans | 0.0857% | 1,990 |
| Credit loss provision to net charge-offs | 126.2295% | 1,792 |
| Earnings coverage of net charge-offs (x) | 15.1967% | 2,009 |
| Efficiency ratio | 68.0895% | 3,323 |
| Assets per employee ($millions) | 5.8027% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8466% | 5,140 |
| Loan loss allowance to noncurrent loans | 365.7895% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 4,242 |
| Noncurrent loans to loans | 0.2315% | 4,514 |
| Net loans and leases to total assets | 84.1625% | 407 |
| Net loans and leases to deposits | 92.7490% | 1,425 |
| Net loans and leases to core deposits | 105.9463% | 1,185 |
| Total domestic deposits to total assets | 90.7422% | 243 |
| Equity capital to assets | 8.8850% | 5,324 |
| Core capital (leverage) ratio | 9.5421% | 4,149 |
| Tier 1 risk-based capital ratio | 13.6833% | 3,776 |
| Total risk-based capital ratio | 14.7991% | 3,781 |
| Memoranda: | ||
| Average total assets | $160,908,330 | 3,425 |
| Average earning assets | $149,368,670 | 3,410 |
| Average equity | $15,042,330 | 3,850 |
| Average total loans | $142,371,000 | 2,747 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 1,002 |
| Cost of funding earning assets | 1.0342% | 134 |
| Net interest margin | 3.6879% | 2,717 |
| Noninterest income to average assets | 0.2696% | 4,806 |
| Noninterest expense to average assets | 2.4727% | 4,156 |
| Loan and lease loss provision to assets | 0.0829% | 2,299 |
| Net operating income to assets | 0.7750% | 3,374 |
| Return on assets (ROA) | 0.7750% | 3,474 |
| Pretax return on assets | 1.1431% | 2,922 |
| Return on Equity (ROE) | 8.0647% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.0647% | 1,429 |
| Net charge-offs to loans | 0.1919% | 1,022 |
| Credit loss provision to net charge-offs | 47.7612% | 2,069 |
| Earnings coverage of net charge-offs (x) | 7.0597% | 2,179 |
| Efficiency ratio | 66.8535% | 3,658 |
| Assets per employee ($millions) | 5.4734% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 5,218 |
| Loan loss allowance to noncurrent loans | 280.6075% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 3,977 |
| Noncurrent loans to loans | 0.3035% | 4,338 |
| Net loans and leases to total assets | 88.0903% | 113 |
| Net loans and leases to deposits | 97.7653% | 777 |
| Net loans and leases to core deposits | 112.0654% | 746 |
| Total domestic deposits to total assets | 90.1038% | 560 |
| Equity capital to assets | 9.4375% | 4,732 |
| Core capital (leverage) ratio | 9.9146% | 3,644 |
| Tier 1 risk-based capital ratio | 13.9414% | 3,729 |
| Total risk-based capital ratio | 15.0643% | 3,743 |
| Memoranda: | ||
| Average total assets | $154,322,500 | 3,511 |
| Average earning assets | $143,494,500 | 3,502 |
| Average equity | $14,830,000 | 3,888 |
| Average total loans | $139,676,000 | 2,792 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 1,169 |
| Cost of funding earning assets | 1.0182% | 159 |
| Net interest margin | 3.6555% | 2,916 |
| Noninterest income to average assets | 0.3755% | 4,223 |
| Noninterest expense to average assets | 2.5897% | 3,962 |
| Loan and lease loss provision to assets | 0.1065% | 2,210 |
| Net operating income to assets | 0.7233% | 3,698 |
| Return on assets (ROA) | 0.7233% | 3,800 |
| Pretax return on assets | 1.0608% | 3,223 |
| Return on Equity (ROE) | 7.6509% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.6509% | 1,043 |
| Net charge-offs to loans | 0.1048% | 2,346 |
| Credit loss provision to net charge-offs | 114.0741% | 2,229 |
| Earnings coverage of net charge-offs (x) | 12.5037% | 2,461 |
| Efficiency ratio | 68.9306% | 3,416 |
| Assets per employee ($millions) | 5.5525% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 5,104 |
| Loan loss allowance to noncurrent loans | 216.8421% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 3,570 |
| Noncurrent loans to loans | 0.4121% | 3,974 |
| Net loans and leases to total assets | 91.4446% | 32 |
| Net loans and leases to deposits | 101.8318% | 553 |
| Net loans and leases to core deposits | 116.5442% | 587 |
| Total domestic deposits to total assets | 89.7997% | 715 |
| Equity capital to assets | 9.7921% | 4,201 |
| Core capital (leverage) ratio | 9.5828% | 4,070 |
| Tier 1 risk-based capital ratio | 13.2372% | 4,147 |
| Total risk-based capital ratio | 14.3667% | 4,154 |
| Memoranda: | ||
| Average total assets | $144,612,600 | 3,657 |
| Average earning assets | $133,770,000 | 3,631 |
| Average equity | $13,671,600 | 4,018 |
| Average total loans | $128,778,200 | 2,905 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 1,019 |
| Cost of funding earning assets | 1.0020% | 176 |
| Net interest margin | 3.7440% | 2,596 |
| Noninterest income to average assets | 0.3843% | 4,191 |
| Noninterest expense to average assets | 2.5664% | 3,994 |
| Loan and lease loss provision to assets | 0.1154% | 1,957 |
| Net operating income to assets | 0.7770% | 3,541 |
| Return on assets (ROA) | 0.7770% | 3,628 |
| Pretax return on assets | 1.1622% | 2,959 |
| Return on Equity (ROE) | 8.2962% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.2962% | 1,127 |
| Net charge-offs to loans | 0.0475% | 2,943 |
| Credit loss provision to net charge-offs | 275.5556% | 1,050 |
| Earnings coverage of net charge-offs (x) | 30.5103% | 1,474 |
| Efficiency ratio | 66.7635% | 3,757 |
| Assets per employee ($millions) | 5.5392% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 4,830 |
| Loan loss allowance to noncurrent loans | 408.5174% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 4,304 |
| Noncurrent loans to loans | 0.2405% | 4,712 |
| Net loans and leases to total assets | 87.2685% | 169 |
| Net loans and leases to deposits | 96.7524% | 930 |
| Net loans and leases to core deposits | 112.4042% | 738 |
| Total domestic deposits to total assets | 90.1978% | 499 |
| Equity capital to assets | 9.5401% | 4,706 |
| Core capital (leverage) ratio | 9.7448% | 3,972 |
| Tier 1 risk-based capital ratio | 13.7339% | 4,002 |
| Total risk-based capital ratio | 14.9835% | 3,939 |
| Memoranda: | ||
| Average total assets | $143,286,500 | 3,698 |
| Average earning assets | $132,404,000 | 3,687 |
| Average equity | $13,419,500 | 4,104 |
| Average total loans | $126,391,000 | 2,970 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 948 |
| Cost of funding earning assets | 0.9854% | 190 |
| Net interest margin | 3.7848% | 2,388 |
| Noninterest income to average assets | 0.3782% | 4,245 |
| Noninterest expense to average assets | 2.5737% | 3,991 |
| Loan and lease loss provision to assets | 0.1331% | 1,644 |
| Net operating income to assets | 0.7791% | 3,489 |
| Return on assets (ROA) | 0.7791% | 3,595 |
| Pretax return on assets | 1.1643% | 2,920 |
| Return on Equity (ROE) | 8.3735% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.3735% | 1,129 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4837% | 3,925 |
| Assets per employee ($millions) | 5.3034% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 4,877 |
| Loan loss allowance to noncurrent loans | 406.8323% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 4,406 |
| Noncurrent loans to loans | 0.2457% | 4,778 |
| Net loans and leases to total assets | 87.3726% | 171 |
| Net loans and leases to deposits | 96.5479% | 905 |
| Net loans and leases to core deposits | 111.4075% | 765 |
| Total domestic deposits to total assets | 90.4966% | 452 |
| Equity capital to assets | 9.2825% | 4,919 |
| Core capital (leverage) ratio | 9.5899% | 4,147 |
| Tier 1 risk-based capital ratio | 12.6952% | 4,687 |
| Total risk-based capital ratio | 13.9388% | 4,616 |
| Memoranda: | ||
| Average total assets | $141,196,000 | 3,764 |
| Average earning assets | $130,309,000 | 3,751 |
| Average equity | $13,136,670 | 4,181 |
| Average total loans | $124,584,000 | 3,008 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 828 |
| Cost of funding earning assets | 0.9677% | 206 |
| Net interest margin | 3.8518% | 2,059 |
| Noninterest income to average assets | 0.3635% | 4,304 |
| Noninterest expense to average assets | 2.6202% | 3,860 |
| Loan and lease loss provision to assets | 0.1599% | 1,265 |
| Net operating income to assets | 0.7503% | 3,535 |
| Return on assets (ROA) | 0.7503% | 3,674 |
| Pretax return on assets | 1.1254% | 2,972 |
| Return on Equity (ROE) | 8.0543% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.0543% | 1,552 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0886% | 3,977 |
| Assets per employee ($millions) | 4.9231% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 4,837 |
| Loan loss allowance to noncurrent loans | 388.9908% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 3,658 |
| Noncurrent loans to loans | 0.2666% | 4,823 |
| Net loans and leases to total assets | 88.0628% | 104 |
| Net loans and leases to deposits | 97.6102% | 708 |
| Net loans and leases to core deposits | 115.0288% | 546 |
| Total domestic deposits to total assets | 90.2188% | 643 |
| Equity capital to assets | 9.5701% | 4,666 |
| Core capital (leverage) ratio | 9.2717% | 4,623 |
| Tier 1 risk-based capital ratio | 12.8313% | 4,708 |
| Total risk-based capital ratio | 14.0812% | 4,621 |
| Memoranda: | ||
| Average total assets | $137,547,000 | 3,847 |
| Average earning assets | $126,487,500 | 3,857 |
| Average equity | $12,813,000 | 4,268 |
| Average total loans | $121,349,500 | 3,073 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9762% | 811 |
| Cost of funding earning assets | 1.0513% | 182 |
| Net interest margin | 3.9249% | 2,142 |
| Noninterest income to average assets | 0.3319% | 4,734 |
| Noninterest expense to average assets | 2.6778% | 3,951 |
| Loan and lease loss provision to assets | 0.4122% | 428 |
| Net operating income to assets | 0.5583% | 4,569 |
| Return on assets (ROA) | 0.5583% | 4,661 |
| Pretax return on assets | 0.8235% | 4,176 |
| Return on Equity (ROE) | 5.8184% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.8184% | 2,048 |
| Net charge-offs to loans | 0.3624% | 1,201 |
| Credit loss provision to net charge-offs | 129.4264% | 1,843 |
| Earnings coverage of net charge-offs (x) | 3.8803% | 3,791 |
| Efficiency ratio | 68.4253% | 3,820 |
| Assets per employee ($millions) | 4.5749% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 4,970 |
| Loan loss allowance to noncurrent loans | 327.1505% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 3,646 |
| Noncurrent loans to loans | 0.3099% | 4,729 |
| Net loans and leases to total assets | 86.5725% | 175 |
| Net loans and leases to deposits | 95.5175% | 941 |
| Net loans and leases to core deposits | 112.3595% | 676 |
| Total domestic deposits to total assets | 90.6352% | 484 |
| Equity capital to assets | 9.0595% | 5,224 |
| Core capital (leverage) ratio | 8.8529% | 5,179 |
| Tier 1 risk-based capital ratio | 11.9819% | 5,379 |
| Total risk-based capital ratio | 13.2209% | 5,283 |
| Memoranda: | ||
| Average total assets | $125,922,800 | 4,064 |
| Average earning assets | $114,906,200 | 4,074 |
| Average equity | $12,082,400 | 4,345 |
| Average total loans | $110,658,600 | 3,202 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 731 |
| Cost of funding earning assets | 1.0708% | 171 |
| Net interest margin | 3.9584% | 2,003 |
| Noninterest income to average assets | 0.3661% | 4,496 |
| Noninterest expense to average assets | 2.7318% | 3,704 |
| Loan and lease loss provision to assets | 0.3672% | 478 |
| Net operating income to assets | 0.6001% | 4,448 |
| Return on assets (ROA) | 0.6001% | 4,531 |
| Pretax return on assets | 0.8709% | 4,108 |
| Return on Equity (ROE) | 6.1582% | 4,155 |
| Retained earnings to average equity (ytd only) | 6.1582% | 2,306 |
| Net charge-offs to loans | 0.5219% | 734 |
| Credit loss provision to net charge-offs | 79.9528% | 2,592 |
| Earnings coverage of net charge-offs (x) | 2.6957% | 3,845 |
| Efficiency ratio | 68.8131% | 3,710 |
| Assets per employee ($millions) | 4.6681% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 5,699 |
| Loan loss allowance to noncurrent loans | 188.9925% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 3,226 |
| Noncurrent loans to loans | 0.4579% | 4,528 |
| Net loans and leases to total assets | 88.7901% | 83 |
| Net loans and leases to deposits | 98.2717% | 720 |
| Net loans and leases to core deposits | 121.1281% | 375 |
| Total domestic deposits to total assets | 90.3516% | 593 |
| Equity capital to assets | 9.3990% | 4,921 |
| Core capital (leverage) ratio | 9.0290% | 5,035 |
| Tier 1 risk-based capital ratio | 11.7981% | 5,613 |
| Total risk-based capital ratio | 12.8323% | 5,666 |
| Memoranda: | ||
| Average total assets | $123,091,500 | 4,157 |
| Average earning assets | $112,063,000 | 4,170 |
| Average equity | $11,994,500 | 4,388 |
| Average total loans | $108,314,250 | 3,275 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 696 |
| Cost of funding earning assets | 1.0879% | 156 |
| Net interest margin | 3.9520% | 1,960 |
| Noninterest income to average assets | 0.3467% | 4,657 |
| Noninterest expense to average assets | 2.7988% | 3,515 |
| Loan and lease loss provision to assets | 0.2970% | 666 |
| Net operating income to assets | 0.5757% | 4,481 |
| Return on assets (ROA) | 0.5757% | 4,585 |
| Pretax return on assets | 0.8428% | 4,113 |
| Return on Equity (ROE) | 5.8331% | 4,249 |
| Retained earnings to average equity (ytd only) | 5.8331% | 2,425 |
| Net charge-offs to loans | 0.8084% | 472 |
| Credit loss provision to net charge-offs | 42.0188% | 2,901 |
| Earnings coverage of net charge-offs (x) | 1.6127% | 3,759 |
| Efficiency ratio | 71.0615% | 3,490 |
| Assets per employee ($millions) | 4.3020% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 6,036 |
| Loan loss allowance to noncurrent loans | 186.4333% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 3,356 |
| Noncurrent loans to loans | 0.4156% | 4,741 |
| Net loans and leases to total assets | 87.4605% | 115 |
| Net loans and leases to deposits | 97.0808% | 733 |
| Net loans and leases to core deposits | 121.7410% | 338 |
| Total domestic deposits to total assets | 90.0904% | 764 |
| Equity capital to assets | 9.6811% | 4,515 |
| Core capital (leverage) ratio | 9.3509% | 4,529 |
| Tier 1 risk-based capital ratio | 11.6145% | 5,736 |
| Total risk-based capital ratio | 12.5101% | 5,872 |
| Memoranda: | ||
| Average total assets | $120,553,330 | 4,226 |
| Average earning assets | $109,565,670 | 4,254 |
| Average equity | $11,897,670 | 4,418 |
| Average total loans | $105,396,670 | 3,349 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 608 |
| Cost of funding earning assets | 1.1268% | 139 |
| Net interest margin | 3.9607% | 1,886 |
| Noninterest income to average assets | 0.2702% | 5,209 |
| Noninterest expense to average assets | 2.7961% | 3,581 |
| Loan and lease loss provision to assets | 0.2803% | 726 |
| Net operating income to assets | 0.5167% | 4,601 |
| Return on assets (ROA) | 0.5167% | 4,679 |
| Pretax return on assets | 0.7902% | 4,145 |
| Return on Equity (ROE) | 5.1831% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.1831% | 3,002 |
| Net charge-offs to loans | -0.0116% | 5,113 |
| Credit loss provision to net charge-offs | -2,766.6667% | 5,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3144% | 3,430 |
| Assets per employee ($millions) | 4.1303% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 4,944 |
| Loan loss allowance to noncurrent loans | 129.3989% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1346% | 2,981 |
| Noncurrent loans to loans | 0.8785% | 3,691 |
| Net loans and leases to total assets | 85.9667% | 144 |
| Net loans and leases to deposits | 95.6472% | 678 |
| Net loans and leases to core deposits | 121.1155% | 304 |
| Total domestic deposits to total assets | 89.8789% | 1,138 |
| Equity capital to assets | 9.9216% | 3,939 |
| Core capital (leverage) ratio | 9.2556% | 4,638 |
| Tier 1 risk-based capital ratio | 11.4056% | 5,962 |
| Total risk-based capital ratio | 12.6557% | 5,916 |
| Memoranda: | ||
| Average total assets | $118,451,000 | 4,307 |
| Average earning assets | $107,557,500 | 4,330 |
| Average equity | $11,807,500 | 4,445 |
| Average total loans | $103,112,000 | 3,404 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 520 |
| Cost of funding earning assets | 1.3549% | 86 |
| Net interest margin | 3.9508% | 2,101 |
| Noninterest income to average assets | 0.4060% | 4,399 |
| Noninterest expense to average assets | 2.9675% | 3,141 |
| Loan and lease loss provision to assets | 0.3559% | 881 |
| Net operating income to assets | 0.4420% | 4,991 |
| Return on assets (ROA) | 0.4420% | 5,110 |
| Pretax return on assets | 0.6441% | 4,724 |
| Return on Equity (ROE) | 4.3842% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.3842% | 3,054 |
| Net charge-offs to loans | 0.3314% | 2,022 |
| Credit loss provision to net charge-offs | 124.2331% | 1,914 |
| Earnings coverage of net charge-offs (x) | 3.4908% | 3,836 |
| Efficiency ratio | 74.7951% | 2,994 |
| Assets per employee ($millions) | 4.1830% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 5,253 |
| Loan loss allowance to noncurrent loans | 114.7182% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 2,901 |
| Noncurrent loans to loans | 0.9386% | 3,640 |
| Net loans and leases to total assets | 86.2094% | 144 |
| Net loans and leases to deposits | 96.0029% | 733 |
| Net loans and leases to core deposits | 127.8195% | 219 |
| Total domestic deposits to total assets | 89.7988% | 1,178 |
| Equity capital to assets | 10.0160% | 3,749 |
| Core capital (leverage) ratio | 9.0919% | 4,872 |
| Tier 1 risk-based capital ratio | 11.0038% | 6,169 |
| Total risk-based capital ratio | 12.1524% | 6,166 |
| Memoranda: | ||
| Average total assets | $113,801,400 | 4,414 |
| Average earning assets | $102,587,000 | 4,448 |
| Average equity | $11,473,000 | 4,545 |
| Average total loans | $98,372,200 | 3,488 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 550 |
| Cost of funding earning assets | 1.3884% | 80 |
| Net interest margin | 3.8872% | 2,322 |
| Noninterest income to average assets | 0.4933% | 3,861 |
| Noninterest expense to average assets | 3.0414% | 2,851 |
| Loan and lease loss provision to assets | 0.2597% | 1,362 |
| Net operating income to assets | 0.4579% | 4,993 |
| Return on assets (ROA) | 0.4579% | 5,134 |
| Pretax return on assets | 0.6916% | 4,716 |
| Return on Equity (ROE) | 4.5345% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.5345% | 3,448 |
| Net charge-offs to loans | 0.4570% | 1,405 |
| Credit loss provision to net charge-offs | 65.8683% | 3,161 |
| Earnings coverage of net charge-offs (x) | 2.4132% | 4,028 |
| Efficiency ratio | 76.1750% | 2,709 |
| Assets per employee ($millions) | 4.1335% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 6,085 |
| Loan loss allowance to noncurrent loans | 71.7340% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.2629% | 1,753 |
| Noncurrent loans to loans | 1.2379% | 3,335 |
| Net loans and leases to total assets | 87.3705% | 98 |
| Net loans and leases to deposits | 97.3731% | 600 |
| Net loans and leases to core deposits | 128.8268% | 205 |
| Total domestic deposits to total assets | 89.7276% | 1,154 |
| Equity capital to assets | 10.0365% | 3,856 |
| Core capital (leverage) ratio | 9.1468% | 4,901 |
| Tier 1 risk-based capital ratio | 10.9356% | 6,308 |
| Total risk-based capital ratio | 11.8891% | 6,382 |
| Memoranda: | ||
| Average total assets | $112,971,000 | 4,483 |
| Average earning assets | $101,698,000 | 4,512 |
| Average equity | $11,408,500 | 4,606 |
| Average total loans | $97,447,750 | 3,543 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1699% | 671 |
| Cost of funding earning assets | 1.4352% | 69 |
| Net interest margin | 3.7347% | 2,821 |
| Noninterest income to average assets | 0.5462% | 3,526 |
| Noninterest expense to average assets | 3.0665% | 2,774 |
| Loan and lease loss provision to assets | 0.2142% | 1,765 |
| Net operating income to assets | 0.4141% | 5,166 |
| Return on assets (ROA) | 0.4141% | 5,327 |
| Pretax return on assets | 0.6283% | 4,917 |
| Return on Equity (ROE) | 4.0920% | 5,182 |
| Retained earnings to average equity (ytd only) | 4.0920% | 3,688 |
| Net charge-offs to loans | 0.6109% | 1,083 |
| Credit loss provision to net charge-offs | 40.9556% | 3,402 |
| Earnings coverage of net charge-offs (x) | 1.6109% | 3,987 |
| Efficiency ratio | 78.4475% | 2,386 |
| Assets per employee ($millions) | 4.1188% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8571% | 6,240 |
| Loan loss allowance to noncurrent loans | 59.1068% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.4964% | 1,695 |
| Noncurrent loans to loans | 1.4501% | 3,129 |
| Net loans and leases to total assets | 84.9538% | 191 |
| Net loans and leases to deposits | 94.5120% | 774 |
| Net loans and leases to core deposits | 122.5061% | 280 |
| Total domestic deposits to total assets | 89.8868% | 1,091 |
| Equity capital to assets | 9.9371% | 3,989 |
| Core capital (leverage) ratio | 9.2141% | 4,676 |
| Tier 1 risk-based capital ratio | 10.8428% | 6,399 |
| Total risk-based capital ratio | 11.7481% | 6,478 |
| Memoranda: | ||
| Average total assets | $112,049,000 | 4,537 |
| Average earning assets | $100,891,000 | 4,559 |
| Average equity | $11,339,330 | 4,654 |
| Average total loans | $95,921,670 | 3,591 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 699 |
| Cost of funding earning assets | 1.4865% | 62 |
| Net interest margin | 3.6479% | 3,079 |
| Noninterest income to average assets | 0.5797% | 3,253 |
| Noninterest expense to average assets | 3.0866% | 2,719 |
| Loan and lease loss provision to assets | 0.2174% | 1,707 |
| Net operating income to assets | 0.3732% | 5,245 |
| Return on assets (ROA) | 0.3732% | 5,381 |
| Pretax return on assets | 0.5652% | 5,065 |
| Return on Equity (ROE) | 3.6528% | 5,269 |
| Retained earnings to average equity (ytd only) | 3.6528% | 4,050 |
| Net charge-offs to loans | 0.6605% | 924 |
| Credit loss provision to net charge-offs | 38.4615% | 2,769 |
| Earnings coverage of net charge-offs (x) | 1.3846% | 3,372 |
| Efficiency ratio | 79.7753% | 2,368 |
| Assets per employee ($millions) | 4.2194% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,075 |
| Loan loss allowance to noncurrent loans | 27.1231% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 3.7200% | 1,115 |
| Noncurrent loans to loans | 3.5791% | 1,333 |
| Net loans and leases to total assets | 85.8282% | 127 |
| Net loans and leases to deposits | 95.9317% | 548 |
| Net loans and leases to core deposits | 126.9612% | 197 |
| Total domestic deposits to total assets | 89.4680% | 1,376 |
| Equity capital to assets | 10.3287% | 3,757 |
| Core capital (leverage) ratio | 9.0007% | 4,887 |
| Tier 1 risk-based capital ratio | 11.1050% | 6,360 |
| Total risk-based capital ratio | 12.1373% | 6,424 |
| Memoranda: | ||
| Average total assets | $110,411,000 | 4,606 |
| Average earning assets | $99,564,500 | 4,635 |
| Average equity | $11,279,000 | 4,722 |
| Average total loans | $94,472,500 | 3,640 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5266% | 592 |
| Cost of funding earning assets | 1.5816% | 116 |
| Net interest margin | 3.9449% | 2,628 |
| Noninterest income to average assets | 0.5712% | 3,439 |
| Noninterest expense to average assets | 3.3696% | 2,132 |
| Loan and lease loss provision to assets | 0.3240% | 2,102 |
| Net operating income to assets | 0.3147% | 5,415 |
| Return on assets (ROA) | 0.3147% | 5,621 |
| Pretax return on assets | 0.4703% | 5,370 |
| Return on Equity (ROE) | 3.0678% | 5,532 |
| Retained earnings to average equity (ytd only) | 3.0678% | 4,077 |
| Net charge-offs to loans | 0.7658% | 1,527 |
| Credit loss provision to net charge-offs | 49.1573% | 4,723 |
| Earnings coverage of net charge-offs (x) | 1.2051% | 4,854 |
| Efficiency ratio | 80.9249% | 2,018 |
| Assets per employee ($millions) | 4.1155% | 3,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,606 |
| Loan loss allowance to noncurrent loans | 34.5528% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.1138% | 1,514 |
| Noncurrent loans to loans | 3.1449% | 1,638 |
| Net loans and leases to total assets | 83.5553% | 242 |
| Net loans and leases to deposits | 93.1300% | 818 |
| Net loans and leases to core deposits | 121.1601% | 267 |
| Total domestic deposits to total assets | 89.7190% | 1,113 |
| Equity capital to assets | 10.1037% | 4,033 |
| Core capital (leverage) ratio | 9.1054% | 4,732 |
| Tier 1 risk-based capital ratio | 10.9530% | 6,368 |
| Total risk-based capital ratio | 12.0930% | 6,382 |
| Memoranda: | ||
| Average total assets | $108,024,400 | 4,635 |
| Average earning assets | $98,379,000 | 4,628 |
| Average equity | $11,082,800 | 4,747 |
| Average total loans | $92,972,800 | 3,676 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5820% | 574 |
| Cost of funding earning assets | 1.5913% | 133 |
| Net interest margin | 3.9906% | 2,541 |
| Noninterest income to average assets | 0.5694% | 3,475 |
| Noninterest expense to average assets | 3.3043% | 2,262 |
| Loan and lease loss provision to assets | 0.2797% | 2,330 |
| Net operating income to assets | 0.4140% | 5,189 |
| Return on assets (ROA) | 0.4140% | 5,418 |
| Pretax return on assets | 0.6265% | 5,088 |
| Return on Equity (ROE) | 4.0192% | 5,287 |
| Retained earnings to average equity (ytd only) | 4.0192% | 4,059 |
| Net charge-offs to loans | 0.7418% | 1,493 |
| Credit loss provision to net charge-offs | 43.6047% | 4,539 |
| Earnings coverage of net charge-offs (x) | 1.4128% | 4,585 |
| Efficiency ratio | 78.4765% | 2,322 |
| Assets per employee ($millions) | 4.2230% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 5,554 |
| Loan loss allowance to noncurrent loans | 32.9903% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 3.5327% | 1,415 |
| Noncurrent loans to loans | 3.4562% | 1,575 |
| Net loans and leases to total assets | 82.8847% | 287 |
| Net loans and leases to deposits | 92.1479% | 959 |
| Net loans and leases to core deposits | 118.2833% | 343 |
| Total domestic deposits to total assets | 89.9475% | 878 |
| Equity capital to assets | 9.8403% | 4,724 |
| Core capital (leverage) ratio | 9.1988% | 4,764 |
| Tier 1 risk-based capital ratio | 11.0503% | 6,457 |
| Total risk-based capital ratio | 12.2795% | 6,444 |
| Memoranda: | ||
| Average total assets | $107,251,000 | 4,701 |
| Average earning assets | $97,860,500 | 4,694 |
| Average equity | $11,046,750 | 4,795 |
| Average total loans | $92,749,750 | 3,719 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7457% | 443 |
| Cost of funding earning assets | 1.6195% | 145 |
| Net interest margin | 4.1262% | 1,984 |
| Noninterest income to average assets | 0.5124% | 3,844 |
| Noninterest expense to average assets | 3.3792% | 2,079 |
| Loan and lease loss provision to assets | 0.2857% | 2,291 |
| Net operating income to assets | 0.3981% | 5,212 |
| Return on assets (ROA) | 0.3981% | 5,453 |
| Pretax return on assets | 0.6038% | 5,118 |
| Return on Equity (ROE) | 3.8038% | 5,359 |
| Retained earnings to average equity (ytd only) | 3.8038% | 4,085 |
| Net charge-offs to loans | 0.7211% | 1,530 |
| Credit loss provision to net charge-offs | 45.3172% | 4,143 |
| Earnings coverage of net charge-offs (x) | 1.4109% | 4,297 |
| Efficiency ratio | 79.1611% | 2,303 |
| Assets per employee ($millions) | 3.9154% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,828 |
| Loan loss allowance to noncurrent loans | 61.5069% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.8813% | 1,917 |
| Noncurrent loans to loans | 2.1377% | 2,777 |
| Net loans and leases to total assets | 85.1952% | 170 |
| Net loans and leases to deposits | 95.4898% | 660 |
| Net loans and leases to core deposits | 123.8024% | 259 |
| Total domestic deposits to total assets | 89.2192% | 1,376 |
| Equity capital to assets | 10.4970% | 3,695 |
| Core capital (leverage) ratio | 9.2110% | 4,593 |
| Tier 1 risk-based capital ratio | 11.2599% | 6,366 |
| Total risk-based capital ratio | 12.5113% | 6,342 |
| Memoranda: | ||
| Average total assets | $104,994,330 | 4,775 |
| Average earning assets | $95,584,670 | 4,780 |
| Average equity | $10,989,000 | 4,813 |
| Average total loans | $91,801,000 | 3,762 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8069% | 418 |
| Cost of funding earning assets | 1.6237% | 172 |
| Net interest margin | 4.1831% | 1,803 |
| Noninterest income to average assets | 0.4320% | 4,438 |
| Noninterest expense to average assets | 3.4062% | 1,995 |
| Loan and lease loss provision to assets | 0.2867% | 2,170 |
| Net operating income to assets | 0.3632% | 5,412 |
| Return on assets (ROA) | 0.3632% | 5,598 |
| Pretax return on assets | 0.5505% | 5,281 |
| Return on Equity (ROE) | 3.4751% | 5,521 |
| Retained earnings to average equity (ytd only) | 3.4751% | 4,495 |
| Net charge-offs to loans | 1.1426% | 904 |
| Credit loss provision to net charge-offs | 28.5171% | 3,647 |
| Earnings coverage of net charge-offs (x) | 0.8327% | 3,911 |
| Efficiency ratio | 80.2703% | 2,165 |
| Assets per employee ($millions) | 3.7795% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 5,116 |
| Loan loss allowance to noncurrent loans | 58.8555% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.6544% | 2,226 |
| Noncurrent loans to loans | 2.1718% | 2,944 |
| Net loans and leases to total assets | 87.0665% | 91 |
| Net loans and leases to deposits | 98.8669% | 410 |
| Net loans and leases to core deposits | 124.2804% | 249 |
| Total domestic deposits to total assets | 88.0644% | 2,272 |
| Equity capital to assets | 10.3784% | 3,636 |
| Core capital (leverage) ratio | 9.1663% | 4,578 |
| Tier 1 risk-based capital ratio | 11.0219% | 6,523 |
| Total risk-based capital ratio | 12.2849% | 6,502 |
| Memoranda: | ||
| Average total assets | $104,633,500 | 4,820 |
| Average earning assets | $95,335,000 | 4,809 |
| Average equity | $10,935,000 | 4,834 |
| Average total loans | $92,069,000 | 3,776 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6482% | 873 |
| Cost of funding earning assets | 1.7473% | 263 |
| Net interest margin | 3.9008% | 3,337 |
| Noninterest income to average assets | 0.3742% | 4,834 |
| Noninterest expense to average assets | 3.2537% | 2,674 |
| Loan and lease loss provision to assets | 0.1939% | 4,242 |
| Net operating income to assets | 0.3044% | 5,231 |
| Return on assets (ROA) | 0.3044% | 5,388 |
| Pretax return on assets | 0.4654% | 5,091 |
| Return on Equity (ROE) | 2.9279% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.9279% | 4,153 |
| Net charge-offs to loans | 0.3706% | 3,555 |
| Credit loss provision to net charge-offs | 60.9756% | 5,145 |
| Earnings coverage of net charge-offs (x) | 2.0732% | 4,226 |
| Efficiency ratio | 83.1516% | 1,865 |
| Assets per employee ($millions) | 3.9785% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 3,931 |
| Loan loss allowance to noncurrent loans | 63.9056% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.8857% | 2,092 |
| Noncurrent loans to loans | 2.3798% | 2,751 |
| Net loans and leases to total assets | 86.4502% | 119 |
| Net loans and leases to deposits | 96.8264% | 637 |
| Net loans and leases to core deposits | 122.0036% | 321 |
| Total domestic deposits to total assets | 89.2837% | 1,377 |
| Equity capital to assets | 10.5248% | 3,510 |
| Core capital (leverage) ratio | 8.8911% | 4,960 |
| Tier 1 risk-based capital ratio | 11.0320% | 6,440 |
| Total risk-based capital ratio | 12.2980% | 6,414 |
| Memoranda: | ||
| Average total assets | $103,144,000 | 4,816 |
| Average earning assets | $93,570,400 | 4,822 |
| Average equity | $10,724,400 | 4,851 |
| Average total loans | $88,509,200 | 3,895 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6001% | 1,033 |
| Cost of funding earning assets | 1.7540% | 314 |
| Net interest margin | 3.8461% | 3,637 |
| Noninterest income to average assets | 0.3169% | 5,326 |
| Noninterest expense to average assets | 3.2417% | 2,689 |
| Loan and lease loss provision to assets | 0.0970% | 5,245 |
| Net operating income to assets | 0.3053% | 5,375 |
| Return on assets (ROA) | 0.3053% | 5,551 |
| Pretax return on assets | 0.4644% | 5,274 |
| Return on Equity (ROE) | 2.9452% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.9452% | 4,585 |
| Net charge-offs to loans | 0.3245% | 3,475 |
| Credit loss provision to net charge-offs | 35.0467% | 5,343 |
| Earnings coverage of net charge-offs (x) | 2.0280% | 4,131 |
| Efficiency ratio | 85.2381% | 1,609 |
| Assets per employee ($millions) | 4.2334% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 3,946 |
| Loan loss allowance to noncurrent loans | 59.2817% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 3.2314% | 1,971 |
| Noncurrent loans to loans | 2.5863% | 2,678 |
| Net loans and leases to total assets | 83.1351% | 280 |
| Net loans and leases to deposits | 92.7946% | 935 |
| Net loans and leases to core deposits | 114.9963% | 528 |
| Total domestic deposits to total assets | 89.5904% | 1,098 |
| Equity capital to assets | 10.2121% | 4,065 |
| Core capital (leverage) ratio | 8.9152% | 5,074 |
| Tier 1 risk-based capital ratio | 10.7768% | 6,678 |
| Total risk-based capital ratio | 12.0313% | 6,653 |
| Memoranda: | ||
| Average total assets | $103,069,750 | 4,842 |
| Average earning assets | $93,425,000 | 4,861 |
| Average equity | $10,683,750 | 4,874 |
| Average total loans | $87,935,000 | 3,949 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6335% | 1,010 |
| Cost of funding earning assets | 1.7584% | 370 |
| Net interest margin | 3.8750% | 3,412 |
| Noninterest income to average assets | 0.3250% | 5,292 |
| Noninterest expense to average assets | 3.3148% | 2,510 |
| Loan and lease loss provision to assets | 0.0685% | 5,447 |
| Net operating income to assets | 0.3015% | 5,369 |
| Return on assets (ROA) | 0.3015% | 5,506 |
| Pretax return on assets | 0.4582% | 5,197 |
| Return on Equity (ROE) | 2.8941% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.8941% | 4,443 |
| Net charge-offs to loans | 0.4894% | 2,634 |
| Credit loss provision to net charge-offs | 16.3551% | 5,186 |
| Earnings coverage of net charge-offs (x) | 1.2570% | 4,346 |
| Efficiency ratio | 86.2895% | 1,574 |
| Assets per employee ($millions) | 4.1286% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 4,022 |
| Loan loss allowance to noncurrent loans | 51.3117% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 3.4908% | 1,888 |
| Noncurrent loans to loans | 2.9673% | 2,448 |
| Net loans and leases to total assets | 83.3416% | 281 |
| Net loans and leases to deposits | 93.1861% | 929 |
| Net loans and leases to core deposits | 114.0711% | 573 |
| Total domestic deposits to total assets | 89.4356% | 1,274 |
| Equity capital to assets | 10.3919% | 3,642 |
| Core capital (leverage) ratio | 8.9973% | 4,725 |
| Tier 1 risk-based capital ratio | 10.7979% | 6,663 |
| Total risk-based capital ratio | 12.0232% | 6,656 |
| Memoranda: | ||
| Average total assets | $102,148,000 | 4,897 |
| Average earning assets | $92,696,000 | 4,914 |
| Average equity | $10,642,330 | 4,885 |
| Average total loans | $87,461,330 | 4,001 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 1,054 |
| Cost of funding earning assets | 1.7541% | 439 |
| Net interest margin | 3.8460% | 3,391 |
| Noninterest income to average assets | 0.2323% | 6,056 |
| Noninterest expense to average assets | 3.3224% | 2,485 |
| Loan and lease loss provision to assets | 0.0590% | 5,265 |
| Net operating income to assets | 0.2283% | 5,686 |
| Return on assets (ROA) | 0.2283% | 5,752 |
| Pretax return on assets | 0.3464% | 5,520 |
| Return on Equity (ROE) | 2.1886% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.1886% | 4,831 |
| Net charge-offs to loans | -0.1783% | 7,239 |
| Credit loss provision to net charge-offs | -38.4615% | 5,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1235% | 1,408 |
| Assets per employee ($millions) | 4.1106% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 3,108 |
| Loan loss allowance to noncurrent loans | 55.4255% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 3.0293% | 2,281 |
| Noncurrent loans to loans | 3.1889% | 2,351 |
| Net loans and leases to total assets | 84.5335% | 203 |
| Net loans and leases to deposits | 94.4588% | 784 |
| Net loans and leases to core deposits | 114.0670% | 600 |
| Total domestic deposits to total assets | 89.4924% | 1,486 |
| Equity capital to assets | 10.3441% | 3,357 |
| Core capital (leverage) ratio | 9.0358% | 4,559 |
| Tier 1 risk-based capital ratio | 10.5626% | 6,775 |
| Total risk-based capital ratio | 11.8214% | 6,758 |
| Memoranda: | ||
| Average total assets | $101,614,500 | 4,953 |
| Average earning assets | $92,354,500 | 4,960 |
| Average equity | $10,600,500 | 4,893 |
| Average total loans | $87,516,500 | 4,033 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6449% | 1,759 |
| Cost of funding earning assets | 2.0027% | 605 |
| Net interest margin | 3.6422% | 4,613 |
| Noninterest income to average assets | 0.4390% | 4,600 |
| Noninterest expense to average assets | 3.3310% | 2,636 |
| Loan and lease loss provision to assets | 0.9748% | 1,661 |
| Net operating income to assets | -0.3915% | 6,304 |
| Return on assets (ROA) | -0.3915% | 6,333 |
| Pretax return on assets | -0.5893% | 6,391 |
| Return on Equity (ROE) | -3.6035% | 6,332 |
| Retained earnings to average equity (ytd only) | -3.6035% | 6,166 |
| Net charge-offs to loans | 0.9725% | 2,232 |
| Credit loss provision to net charge-offs | 118.3824% | 3,594 |
| Earnings coverage of net charge-offs (x) | 0.4681% | 5,646 |
| Efficiency ratio | 89.6280% | 1,348 |
| Assets per employee ($millions) | 4.0186% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 3,063 |
| Loan loss allowance to noncurrent loans | 34.0863% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 4.4065% | 1,515 |
| Noncurrent loans to loans | 5.1120% | 1,303 |
| Net loans and leases to total assets | 84.6972% | 253 |
| Net loans and leases to deposits | 94.8660% | 974 |
| Net loans and leases to core deposits | 112.8902% | 779 |
| Total domestic deposits to total assets | 89.2808% | 1,501 |
| Equity capital to assets | 10.5221% | 3,137 |
| Core capital (leverage) ratio | 9.1192% | 4,317 |
| Tier 1 risk-based capital ratio | 10.5723% | 6,653 |
| Total risk-based capital ratio | 11.8293% | 6,621 |
| Memoranda: | ||
| Average total assets | $99,098,000 | 5,007 |
| Average earning assets | $89,177,400 | 5,045 |
| Average equity | $10,767,200 | 4,916 |
| Average total loans | $83,906,600 | 4,217 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 1,932 |
| Cost of funding earning assets | 2.0372% | 667 |
| Net interest margin | 3.5962% | 4,897 |
| Noninterest income to average assets | 0.4550% | 4,520 |
| Noninterest expense to average assets | 3.3050% | 2,555 |
| Loan and lease loss provision to assets | 1.2907% | 1,083 |
| Net operating income to assets | -0.6021% | 6,663 |
| Return on assets (ROA) | -0.6021% | 6,712 |
| Pretax return on assets | -0.9113% | 6,809 |
| Return on Equity (ROE) | -5.4977% | 6,684 |
| Retained earnings to average equity (ytd only) | -5.4977% | 6,595 |
| Net charge-offs to loans | 0.4645% | 3,430 |
| Credit loss provision to net charge-offs | 329.6552% | 965 |
| Earnings coverage of net charge-offs (x) | 0.9690% | 5,094 |
| Efficiency ratio | 89.7032% | 1,315 |
| Assets per employee ($millions) | 4.0924% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 1,551 |
| Loan loss allowance to noncurrent loans | 53.4301% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 4.0554% | 1,717 |
| Noncurrent loans to loans | 4.3970% | 1,652 |
| Net loans and leases to total assets | 82.2714% | 465 |
| Net loans and leases to deposits | 91.8877% | 1,464 |
| Net loans and leases to core deposits | 109.1401% | 1,086 |
| Total domestic deposits to total assets | 89.5346% | 1,106 |
| Equity capital to assets | 10.2748% | 3,797 |
| Core capital (leverage) ratio | 9.1015% | 4,527 |
| Tier 1 risk-based capital ratio | 10.5381% | 6,749 |
| Total risk-based capital ratio | 11.8018% | 6,722 |
| Memoranda: | ||
| Average total assets | $98,756,250 | 5,086 |
| Average earning assets | $88,683,500 | 5,122 |
| Average equity | $10,816,250 | 4,968 |
| Average total loans | $83,233,250 | 4,315 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6806% | 1,835 |
| Cost of funding earning assets | 2.0798% | 710 |
| Net interest margin | 3.6009% | 4,808 |
| Noninterest income to average assets | 0.3341% | 5,477 |
| Noninterest expense to average assets | 3.3104% | 2,531 |
| Loan and lease loss provision to assets | 0.6539% | 2,202 |
| Net operating income to assets | -0.2603% | 6,427 |
| Return on assets (ROA) | -0.2603% | 6,469 |
| Pretax return on assets | -0.3936% | 6,505 |
| Return on Equity (ROE) | -2.3265% | 6,449 |
| Retained earnings to average equity (ytd only) | -2.3265% | 6,196 |
| Net charge-offs to loans | 0.7028% | 2,462 |
| Credit loss provision to net charge-offs | 110.3806% | 3,685 |
| Earnings coverage of net charge-offs (x) | 0.4394% | 5,282 |
| Efficiency ratio | 92.7095% | 1,144 |
| Assets per employee ($millions) | 4.0872% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 3,239 |
| Loan loss allowance to noncurrent loans | 48.7027% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 3.4753% | 2,023 |
| Noncurrent loans to loans | 3.3977% | 2,345 |
| Net loans and leases to total assets | 80.7896% | 691 |
| Net loans and leases to deposits | 90.5660% | 1,761 |
| Net loans and leases to core deposits | 109.6923% | 1,185 |
| Total domestic deposits to total assets | 89.2052% | 1,322 |
| Equity capital to assets | 10.5961% | 3,284 |
| Core capital (leverage) ratio | 9.6097% | 3,665 |
| Tier 1 risk-based capital ratio | 11.1450% | 6,099 |
| Total risk-based capital ratio | 12.4037% | 6,082 |
| Memoranda: | ||
| Average total assets | $97,572,000 | 5,152 |
| Average earning assets | $87,701,330 | 5,191 |
| Average equity | $10,917,670 | 4,939 |
| Average total loans | $82,245,670 | 4,376 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7257% | 1,681 |
| Cost of funding earning assets | 2.1144% | 775 |
| Net interest margin | 3.6113% | 4,678 |
| Noninterest income to average assets | 0.3527% | 5,319 |
| Noninterest expense to average assets | 3.3631% | 2,334 |
| Loan and lease loss provision to assets | 0.1512% | 5,033 |
| Net operating income to assets | 0.0504% | 6,158 |
| Return on assets (ROA) | 0.0504% | 6,269 |
| Pretax return on assets | 0.0798% | 6,191 |
| Return on Equity (ROE) | 0.4378% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.4378% | 5,660 |
| Net charge-offs to loans | 1.8379% | 939 |
| Credit loss provision to net charge-offs | 9.6257% | 5,049 |
| Earnings coverage of net charge-offs (x) | 0.1471% | 4,903 |
| Efficiency ratio | 93.5748% | 1,161 |
| Assets per employee ($millions) | 4.0048% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 5,390 |
| Loan loss allowance to noncurrent loans | 98.9341% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 1.7509% | 3,852 |
| Noncurrent loans to loans | 1.2338% | 4,911 |
| Net loans and leases to total assets | 82.5202% | 528 |
| Net loans and leases to deposits | 92.8649% | 1,492 |
| Net loans and leases to core deposits | 109.9094% | 1,276 |
| Total domestic deposits to total assets | 88.8605% | 1,592 |
| Equity capital to assets | 10.9567% | 2,804 |
| Core capital (leverage) ratio | 10.2160% | 2,914 |
| Tier 1 risk-based capital ratio | 11.0249% | 6,130 |
| Total risk-based capital ratio | 12.1200% | 6,256 |
| Memoranda: | ||
| Average total assets | $95,268,500 | 5,278 |
| Average earning assets | $85,508,500 | 5,322 |
| Average equity | $10,963,000 | 4,986 |
| Average total loans | $81,399,000 | 4,461 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6744% | 3,232 |
| Cost of funding earning assets | 2.8378% | 393 |
| Net interest margin | 2.8365% | 6,995 |
| Noninterest income to average assets | 0.3192% | 5,805 |
| Noninterest expense to average assets | 4.0325% | 1,319 |
| Loan and lease loss provision to assets | 0.6977% | 3,031 |
| Net operating income to assets | -1.2626% | 6,743 |
| Return on assets (ROA) | -1.2626% | 6,747 |
| Pretax return on assets | -1.8730% | 6,889 |
| Return on Equity (ROE) | -9.4856% | 6,580 |
| Retained earnings to average equity (ytd only) | -9.4856% | 6,476 |
| Net charge-offs to loans | 0.2438% | 5,097 |
| Credit loss provision to net charge-offs | 354.4379% | 910 |
| Earnings coverage of net charge-offs (x) | -5.9704% | 7,124 |
| Efficiency ratio | 141.1333% | 373 |
| Assets per employee ($millions) | 3.3487% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7168% | 2,844 |
| Loan loss allowance to noncurrent loans | 97.2103% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.9222% | 3,500 |
| Noncurrent loans to loans | 1.7661% | 3,987 |
| Net loans and leases to total assets | 86.0445% | 279 |
| Net loans and leases to deposits | 98.6696% | 1,035 |
| Net loans and leases to core deposits | 153.9518% | 431 |
| Total domestic deposits to total assets | 87.2047% | 2,384 |
| Equity capital to assets | 12.1173% | 1,965 |
| Core capital (leverage) ratio | 10.2682% | 2,813 |
| Tier 1 risk-based capital ratio | 11.5442% | 5,353 |
| Total risk-based capital ratio | 12.8127% | 5,293 |
| Memoranda: | ||
| Average total assets | $85,851,400 | 5,529 |
| Average earning assets | $76,819,200 | 5,566 |
| Average equity | $11,427,800 | 4,907 |
| Average total loans | $69,308,800 | 4,886 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 4,019 |
| Cost of funding earning assets | 3.0247% | 307 |
| Net interest margin | 2.5479% | 7,413 |
| Noninterest income to average assets | 0.3242% | 5,887 |
| Noninterest expense to average assets | 4.1190% | 1,115 |
| Loan and lease loss provision to assets | 0.2991% | 4,575 |
| Net operating income to assets | -1.2230% | 6,970 |
| Return on assets (ROA) | -1.2230% | 6,978 |
| Pretax return on assets | -1.8148% | 7,092 |
| Return on Equity (ROE) | -8.9727% | 6,809 |
| Retained earnings to average equity (ytd only) | -8.9727% | 6,700 |
| Net charge-offs to loans | 0.3391% | 3,946 |
| Credit loss provision to net charge-offs | 111.7647% | 4,541 |
| Earnings coverage of net charge-offs (x) | -5.6647% | 6,864 |
| Efficiency ratio | 158.2225% | 275 |
| Assets per employee ($millions) | 3.5280% | 4,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,556 |
| Loan loss allowance to noncurrent loans | 67.5926% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9013% | 3,503 |
| Noncurrent loans to loans | 1.9110% | 3,763 |
| Net loans and leases to total assets | 79.0587% | 1,382 |
| Net loans and leases to deposits | 90.3945% | 2,504 |
| Net loans and leases to core deposits | 131.3917% | 1,351 |
| Total domestic deposits to total assets | 87.4597% | 1,913 |
| Equity capital to assets | 12.2111% | 2,117 |
| Core capital (leverage) ratio | 12.3244% | 1,652 |
| Tier 1 risk-based capital ratio | 13.3242% | 3,973 |
| Total risk-based capital ratio | 14.4531% | 3,994 |
| Memoranda: | ||
| Average total assets | $84,710,250 | 5,601 |
| Average earning assets | $75,773,750 | 5,639 |
| Average equity | $11,545,750 | 4,915 |
| Average total loans | $66,846,750 | 5,023 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5886% | 4,132 |
| Cost of funding earning assets | 3.1213% | 333 |
| Net interest margin | 2.4673% | 7,511 |
| Noninterest income to average assets | 0.3569% | 5,652 |
| Noninterest expense to average assets | 4.4409% | 820 |
| Loan and lease loss provision to assets | 0.3084% | 4,106 |
| Net operating income to assets | -1.4593% | 7,225 |
| Return on assets (ROA) | -1.4593% | 7,231 |
| Pretax return on assets | -2.1755% | 7,336 |
| Return on Equity (ROE) | -10.3082% | 7,058 |
| Retained earnings to average equity (ytd only) | -10.3082% | 6,901 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.5472% | 275 |
| Assets per employee ($millions) | 3.4719% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 3,122 |
| Loan loss allowance to noncurrent loans | 101.2464% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 4,632 |
| Noncurrent loans to loans | 1.4937% | 4,258 |
| Net loans and leases to total assets | 76.1845% | 2,138 |
| Net loans and leases to deposits | 87.4304% | 3,277 |
| Net loans and leases to core deposits | 123.3826% | 2,079 |
| Total domestic deposits to total assets | 87.1373% | 2,175 |
| Equity capital to assets | 12.6068% | 1,874 |
| Core capital (leverage) ratio | 13.2124% | 1,363 |
| Tier 1 risk-based capital ratio | 14.0286% | 3,505 |
| Total risk-based capital ratio | 15.2207% | 3,473 |
| Memoranda: | ||
| Average total assets | $82,371,000 | 5,718 |
| Average earning assets | $74,007,330 | 5,744 |
| Average equity | $11,660,670 | 4,897 |
| Average total loans | $64,639,670 | 5,154 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 4,130 |
| Cost of funding earning assets | 3.1595% | 387 |
| Net interest margin | 2.4764% | 7,530 |
| Noninterest income to average assets | 0.3672% | 5,489 |
| Noninterest expense to average assets | 5.0445% | 474 |
| Loan and lease loss provision to assets | 0.3213% | 3,403 |
| Net operating income to assets | -1.8566% | 7,616 |
| Return on assets (ROA) | -1.8566% | 7,620 |
| Pretax return on assets | -2.7798% | 7,714 |
| Return on Equity (ROE) | -12.3379% | 7,489 |
| Retained earnings to average equity (ytd only) | -12.3379% | 7,284 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 195.0690% | 198 |
| Assets per employee ($millions) | 3.0946% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 2,741 |
| Loan loss allowance to noncurrent loans | 186.1163% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 5,577 |
| Noncurrent loans to loans | 0.8296% | 5,369 |
| Net loans and leases to total assets | 75.7094% | 2,343 |
| Net loans and leases to deposits | 88.2077% | 3,253 |
| Net loans and leases to core deposits | 123.7509% | 2,101 |
| Total domestic deposits to total assets | 85.8309% | 2,808 |
| Equity capital to assets | 13.9082% | 1,390 |
| Core capital (leverage) ratio | 14.9612% | 982 |
| Tier 1 risk-based capital ratio | 15.6137% | 2,810 |
| Total risk-based capital ratio | 16.8283% | 2,758 |
| Memoranda: | ||
| Average total assets | $78,422,000 | 5,876 |
| Average earning assets | $70,264,000 | 5,904 |
| Average equity | $11,801,000 | 4,901 |
| Average total loans | $62,046,000 | 5,287 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7989% | 6,439 |
| Cost of funding earning assets | 3.3478% | 814 |
| Net interest margin | 2.4511% | 7,806 |
| Noninterest income to average assets | 0.3910% | 5,549 |
| Noninterest expense to average assets | 5.2272% | 567 |
| Loan and lease loss provision to assets | 1.0365% | 1,416 |
| Net operating income to assets | -1.9985% | 7,602 |
| Return on assets (ROA) | -1.9985% | 7,565 |
| Pretax return on assets | -3.6354% | 7,832 |
| Return on Equity (ROE) | -9.2759% | 7,219 |
| Retained earnings to average equity (ytd only) | -9.2759% | 6,997 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 198.8808% | 201 |
| Assets per employee ($millions) | 2.7144% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 2,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 80.3831% | 1,573 |
| Net loans and leases to deposits | 97.1440% | 2,265 |
| Net loans and leases to core deposits | 137.3945% | 1,416 |
| Total domestic deposits to total assets | 82.7464% | 3,879 |
| Equity capital to assets | 16.3476% | 875 |
| Core capital (leverage) ratio | 16.9168% | 709 |
| Tier 1 risk-based capital ratio | 17.0816% | 2,283 |
| Total risk-based capital ratio | 18.3319% | 2,235 |
| Memoranda: | ||
| Average total assets | $57,793,400 | 6,458 |
| Average earning assets | $52,751,600 | 6,474 |
| Average equity | $12,451,600 | 4,709 |
| Average total loans | $37,243,200 | 6,301 |