Home > Solera National Bank > Performance and Condition Ratios
Solera National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2495% | 888 |
| Cost of funding earning assets | 2.4193% | 998 |
| Net interest margin | 3.8302% | 1,621 |
| Noninterest income to average assets | 0.3900% | 2,290 |
| Noninterest expense to average assets | 1.7433% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6458% | 822 |
| Return on assets (ROA) | 1.6458% | 821 |
| Pretax return on assets | 2.2547% | 455 |
| Return on Equity (ROE) | 20.7900% | 383 |
| Retained earnings to average equity (ytd only) | 20.3428% | 150 |
| Net charge-offs to loans | 0.0031% | 2,183 |
| Credit loss provision to net charge-offs | 116.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 1,073.1667% | 90 |
| Efficiency ratio | 43.5769% | 4,188 |
| Assets per employee ($millions) | 16.8338% | 154 |
| Cash dividends to net income (ytd only)* | 2.1299% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,231 |
| Loan loss allowance to noncurrent loans | 194.6495% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 1,464 |
| Noncurrent loans to loans | 0.7313% | 1,410 |
| Net loans and leases to total assets | 68.0200% | 2,081 |
| Net loans and leases to deposits | 82.3141% | 1,854 |
| Net loans and leases to core deposits | 96.9927% | 1,559 |
| Total domestic deposits to total assets | 82.6400% | 3,187 |
| Equity capital to assets | 8.2140% | 3,486 |
| Core capital (leverage) ratio | 9.7989% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6138% | 1,652 |
| Memoranda: | ||
| Average total assets | $1,141,079,500 | 919 |
| Average earning assets | $1,076,185,500 | 896 |
| Average equity | $90,351,500 | 1,130 |
| Average total loans | $779,722,500 | 937 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0226% | 1,251 |
| Cost of funding earning assets | 2.6648% | 880 |
| Net interest margin | 3.3579% | 2,377 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 1.5343% | 4,234 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.4378% | 1,008 |
| Return on assets (ROA) | 1.4977% | 913 |
| Pretax return on assets | 2.0488% | 556 |
| Return on Equity (ROE) | 21.3800% | 324 |
| Retained earnings to average equity (ytd only) | 21.0694% | 51 |
| Net charge-offs to loans | 0.0015% | 2,995 |
| Credit loss provision to net charge-offs | 10,983.3333% | 46 |
| Earnings coverage of net charge-offs (x) | 2,099.0000% | 57 |
| Efficiency ratio | 42.4301% | 4,276 |
| Assets per employee ($millions) | 18.5893% | 126 |
| Cash dividends to net income (ytd only)* | 1.4348% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 1,370 |
| Loan loss allowance to noncurrent loans | 211.4103% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 1,595 |
| Noncurrent loans to loans | 0.6511% | 1,496 |
| Net loans and leases to total assets | 66.7600% | 2,293 |
| Net loans and leases to deposits | 83.6419% | 1,815 |
| Net loans and leases to core deposits | 105.8912% | 1,129 |
| Total domestic deposits to total assets | 79.8200% | 3,585 |
| Equity capital to assets | 7.6373% | 3,702 |
| Core capital (leverage) ratio | 9.3219% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6615% | 1,983 |
| Memoranda: | ||
| Average total assets | $1,209,902,400 | 867 |
| Average earning assets | $1,147,638,400 | 843 |
| Average equity | $84,772,200 | 1,152 |
| Average total loans | $798,261,800 | 901 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9931% | 1,261 |
| Cost of funding earning assets | 2.7390% | 787 |
| Net interest margin | 3.2541% | 2,554 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 1.5093% | 4,252 |
| Loan and lease loss provision to assets | 0.1400% | 908 |
| Net operating income to assets | 1.3254% | 1,271 |
| Return on assets (ROA) | 1.4047% | 1,092 |
| Pretax return on assets | 1.9526% | 694 |
| Return on Equity (ROE) | 20.4900% | 400 |
| Retained earnings to average equity (ytd only) | 20.4912% | 99 |
| Net charge-offs to loans | 0.0012% | 2,774 |
| Credit loss provision to net charge-offs | 18,742.8571% | 25 |
| Earnings coverage of net charge-offs (x) | 2,607.8571% | 42 |
| Efficiency ratio | 43.0617% | 4,261 |
| Assets per employee ($millions) | 17.8846% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 1,450 |
| Loan loss allowance to noncurrent loans | 180.5128% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 1,359 |
| Noncurrent loans to loans | 0.7579% | 1,307 |
| Net loans and leases to total assets | 67.6700% | 2,126 |
| Net loans and leases to deposits | 77.2756% | 2,408 |
| Net loans and leases to core deposits | 107.2174% | 1,065 |
| Total domestic deposits to total assets | 87.5700% | 1,393 |
| Equity capital to assets | 7.7137% | 3,869 |
| Core capital (leverage) ratio | 8.6355% | 4,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8214% | 2,310 |
| Memoranda: | ||
| Average total assets | $1,219,596,250 | 854 |
| Average earning assets | $1,158,257,250 | 832 |
| Average equity | $83,604,500 | 1,158 |
| Average total loans | $799,639,000 | 897 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 1,360 |
| Cost of funding earning assets | 2.7463% | 716 |
| Net interest margin | 3.1183% | 2,818 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 1.5241% | 4,257 |
| Loan and lease loss provision to assets | 0.1900% | 581 |
| Net operating income to assets | 1.1730% | 1,542 |
| Return on assets (ROA) | 1.1807% | 1,521 |
| Pretax return on assets | 1.6173% | 1,103 |
| Return on Equity (ROE) | 17.9300% | 624 |
| Retained earnings to average equity (ytd only) | 17.9255% | 173 |
| Net charge-offs to loans | 0.0010% | 2,572 |
| Credit loss provision to net charge-offs | 30,175.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,790.7500% | 23 |
| Efficiency ratio | 45.8159% | 4,188 |
| Assets per employee ($millions) | 18.9357% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 1,495 |
| Loan loss allowance to noncurrent loans | 236.9575% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 1,689 |
| Noncurrent loans to loans | 0.5754% | 1,579 |
| Net loans and leases to total assets | 63.5300% | 2,595 |
| Net loans and leases to deposits | 83.0471% | 1,923 |
| Net loans and leases to core deposits | 112.3569% | 883 |
| Total domestic deposits to total assets | 76.5000% | 3,857 |
| Equity capital to assets | 6.8523% | 3,990 |
| Core capital (leverage) ratio | 7.9052% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0277% | 2,565 |
| Memoranda: | ||
| Average total assets | $1,238,629,333 | 848 |
| Average earning assets | $1,176,072,000 | 826 |
| Average equity | $81,582,000 | 1,166 |
| Average total loans | $800,335,000 | 897 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 1,275 |
| Cost of funding earning assets | 2.7212% | 697 |
| Net interest margin | 3.1134% | 2,759 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 1.5858% | 4,207 |
| Loan and lease loss provision to assets | 0.3900% | 221 |
| Net operating income to assets | 0.9673% | 2,032 |
| Return on assets (ROA) | 0.9825% | 1,991 |
| Pretax return on assets | 1.3460% | 1,540 |
| Return on Equity (ROE) | 15.2200% | 957 |
| Retained earnings to average equity (ytd only) | 15.2214% | 416 |
| Net charge-offs to loans | 0.0010% | 2,195 |
| Credit loss provision to net charge-offs | 60,150.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 2,662.0000% | 18 |
| Efficiency ratio | 48.0585% | 4,096 |
| Assets per employee ($millions) | 19.6437% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 1,696 |
| Loan loss allowance to noncurrent loans | 201.2288% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 1,452 |
| Noncurrent loans to loans | 0.6543% | 1,353 |
| Net loans and leases to total assets | 64.4400% | 2,423 |
| Net loans and leases to deposits | 76.6379% | 2,372 |
| Net loans and leases to core deposits | 97.6459% | 1,544 |
| Total domestic deposits to total assets | 84.0800% | 2,691 |
| Equity capital to assets | 6.4352% | 4,095 |
| Core capital (leverage) ratio | 7.6046% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2283% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,242,532,500 | 849 |
| Average earning assets | $1,180,813,000 | 829 |
| Average equity | $80,203,000 | 1,169 |
| Average total loans | $804,108,000 | 895 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5307% | 1,120 |
| Cost of funding earning assets | 2.4206% | 437 |
| Net interest margin | 3.1101% | 3,078 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.3905% | 4,395 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.4507% | 1,121 |
| Return on assets (ROA) | 1.4721% | 1,046 |
| Pretax return on assets | 1.8801% | 794 |
| Return on Equity (ROE) | 25.2200% | 306 |
| Retained earnings to average equity (ytd only) | 25.2243% | 69 |
| Net charge-offs to loans | 0.0018% | 2,751 |
| Credit loss provision to net charge-offs | 11,776.9231% | 47 |
| Earnings coverage of net charge-offs (x) | 1,747.6923% | 93 |
| Efficiency ratio | 41.1704% | 4,337 |
| Assets per employee ($millions) | 19.1854% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,178 |
| Loan loss allowance to noncurrent loans | 185.4991% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 1,316 |
| Noncurrent loans to loans | 0.6578% | 1,193 |
| Net loans and leases to total assets | 63.3400% | 2,532 |
| Net loans and leases to deposits | 80.1536% | 2,091 |
| Net loans and leases to core deposits | 105.0377% | 1,164 |
| Total domestic deposits to total assets | 79.0200% | 3,609 |
| Equity capital to assets | 6.4749% | 4,127 |
| Core capital (leverage) ratio | 7.5946% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2638% | 2,772 |
| Memoranda: | ||
| Average total assets | $1,143,475,000 | 886 |
| Average earning assets | $1,084,836,000 | 854 |
| Average equity | $66,733,200 | 1,296 |
| Average total loans | $715,056,200 | 939 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4619% | 1,062 |
| Cost of funding earning assets | 2.3201% | 391 |
| Net interest margin | 3.1418% | 3,047 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.4032% | 4,393 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.5457% | 1,032 |
| Return on assets (ROA) | 1.5696% | 976 |
| Pretax return on assets | 1.8925% | 869 |
| Return on Equity (ROE) | 27.7300% | 286 |
| Retained earnings to average equity (ytd only) | 27.7253% | 115 |
| Net charge-offs to loans | 0.0021% | 2,484 |
| Credit loss provision to net charge-offs | 12,072.7273% | 39 |
| Earnings coverage of net charge-offs (x) | 1,547.0000% | 92 |
| Efficiency ratio | 40.9726% | 4,336 |
| Assets per employee ($millions) | 19.5120% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 2,052 |
| Loan loss allowance to noncurrent loans | 144.5144% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 1,049 |
| Noncurrent loans to loans | 0.8722% | 951 |
| Net loans and leases to total assets | 62.9400% | 2,569 |
| Net loans and leases to deposits | 69.4894% | 2,874 |
| Net loans and leases to core deposits | 88.3156% | 2,031 |
| Total domestic deposits to total assets | 90.5700% | 783 |
| Equity capital to assets | 5.5653% | 4,124 |
| Core capital (leverage) ratio | 7.5207% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7044% | 2,868 |
| Memoranda: | ||
| Average total assets | $1,122,377,000 | 902 |
| Average earning assets | $1,064,880,500 | 871 |
| Average equity | $63,540,750 | 1,331 |
| Average total loans | $697,000,250 | 960 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 1,058 |
| Cost of funding earning assets | 2.1617% | 367 |
| Net interest margin | 3.1572% | 3,089 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.4581% | 4,366 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.4639% | 1,181 |
| Return on assets (ROA) | 1.5002% | 1,102 |
| Pretax return on assets | 1.8050% | 1,000 |
| Return on Equity (ROE) | 26.3400% | 313 |
| Retained earnings to average equity (ytd only) | 26.3416% | 103 |
| Net charge-offs to loans | 0.0009% | 2,402 |
| Credit loss provision to net charge-offs | 43,933.3333% | 11 |
| Earnings coverage of net charge-offs (x) | 3,686.6667% | 27 |
| Efficiency ratio | 42.1699% | 4,333 |
| Assets per employee ($millions) | 20.6015% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,123 |
| Loan loss allowance to noncurrent loans | 117.4494% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 770 |
| Noncurrent loans to loans | 1.0737% | 682 |
| Net loans and leases to total assets | 62.7000% | 2,509 |
| Net loans and leases to deposits | 78.9627% | 2,049 |
| Net loans and leases to core deposits | 90.7667% | 1,748 |
| Total domestic deposits to total assets | 79.4000% | 3,668 |
| Equity capital to assets | 5.7662% | 4,214 |
| Core capital (leverage) ratio | 7.2988% | 4,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1096% | 2,927 |
| Memoranda: | ||
| Average total assets | $1,106,263,333 | 902 |
| Average earning assets | $1,050,481,667 | 873 |
| Average equity | $63,003,000 | 1,335 |
| Average total loans | $680,601,000 | 975 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 870 |
| Cost of funding earning assets | 2.0547% | 263 |
| Net interest margin | 3.2081% | 3,095 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.2937% | 4,540 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 1.6468% | 916 |
| Return on assets (ROA) | 1.7253% | 775 |
| Pretax return on assets | 1.9876% | 798 |
| Return on Equity (ROE) | 30.5000% | 224 |
| Retained earnings to average equity (ytd only) | 30.5036% | 112 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.2383% | 4,506 |
| Assets per employee ($millions) | 20.9022% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 2,378 |
| Loan loss allowance to noncurrent loans | 157.0288% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 1,054 |
| Noncurrent loans to loans | 0.7847% | 979 |
| Net loans and leases to total assets | 61.6800% | 2,493 |
| Net loans and leases to deposits | 74.5742% | 2,255 |
| Net loans and leases to core deposits | 87.1407% | 1,795 |
| Total domestic deposits to total assets | 82.7100% | 3,352 |
| Equity capital to assets | 5.5438% | 4,331 |
| Core capital (leverage) ratio | 7.1742% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0084% | 3,014 |
| Memoranda: | ||
| Average total assets | $1,072,251,000 | 936 |
| Average earning assets | $1,017,546,500 | 908 |
| Average equity | $60,648,500 | 1,386 |
| Average total loans | $648,069,000 | 1,020 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 697 |
| Cost of funding earning assets | 0.6260% | 802 |
| Net interest margin | 3.8912% | 972 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.4770% | 4,445 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 2.0420% | 273 |
| Return on assets (ROA) | 2.2182% | 198 |
| Pretax return on assets | 2.6869% | 166 |
| Return on Equity (ROE) | 33.7400% | 79 |
| Retained earnings to average equity (ytd only) | 33.7430% | 26 |
| Net charge-offs to loans | 0.0045% | 2,276 |
| Credit loss provision to net charge-offs | 6,852.1739% | 98 |
| Earnings coverage of net charge-offs (x) | 957.8261% | 181 |
| Efficiency ratio | 35.6563% | 4,604 |
| Assets per employee ($millions) | 18.0887% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,551 |
| Loan loss allowance to noncurrent loans | 153.0885% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 958 |
| Noncurrent loans to loans | 0.9044% | 820 |
| Net loans and leases to total assets | 57.3100% | 2,888 |
| Net loans and leases to deposits | 64.7999% | 2,974 |
| Net loans and leases to core deposits | 70.5980% | 2,832 |
| Total domestic deposits to total assets | 88.4500% | 1,914 |
| Equity capital to assets | 5.7860% | 4,157 |
| Core capital (leverage) ratio | 7.8975% | 4,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5625% | 3,026 |
| Memoranda: | ||
| Average total assets | $826,536,600 | 1,159 |
| Average earning assets | $781,044,200 | 1,134 |
| Average equity | $54,334,200 | 1,513 |
| Average total loans | $505,597,800 | 1,169 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 691 |
| Cost of funding earning assets | 0.3756% | 1,477 |
| Net interest margin | 3.9487% | 708 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.4434% | 4,481 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 2.0338% | 272 |
| Return on assets (ROA) | 2.2619% | 195 |
| Pretax return on assets | 2.7783% | 163 |
| Return on Equity (ROE) | 33.1500% | 74 |
| Retained earnings to average equity (ytd only) | 33.1490% | 29 |
| Net charge-offs to loans | 0.0052% | 1,981 |
| Credit loss provision to net charge-offs | 8,268.4211% | 69 |
| Earnings coverage of net charge-offs (x) | 855.7895% | 186 |
| Efficiency ratio | 34.3083% | 4,662 |
| Assets per employee ($millions) | 19.3244% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 1,339 |
| Loan loss allowance to noncurrent loans | 128.4751% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 799 |
| Noncurrent loans to loans | 1.1543% | 642 |
| Net loans and leases to total assets | 56.1500% | 2,890 |
| Net loans and leases to deposits | 62.1645% | 3,010 |
| Net loans and leases to core deposits | 69.8854% | 2,650 |
| Total domestic deposits to total assets | 90.3300% | 1,513 |
| Equity capital to assets | 5.2206% | 4,229 |
| Core capital (leverage) ratio | 8.0546% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9300% | 3,047 |
| Memoranda: | ||
| Average total assets | $784,450,500 | 1,209 |
| Average earning assets | $740,577,000 | 1,184 |
| Average equity | $53,526,750 | 1,549 |
| Average total loans | $487,448,750 | 1,197 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 674 |
| Cost of funding earning assets | 0.2024% | 2,885 |
| Net interest margin | 3.9701% | 526 |
| Noninterest income to average assets | 0.5505% | 1,949 |
| Noninterest expense to average assets | 1.5385% | 4,374 |
| Loan and lease loss provision to assets | 0.1950% | 435 |
| Net operating income to assets | 2.0360% | 216 |
| Return on assets (ROA) | 2.2911% | 138 |
| Pretax return on assets | 2.8884% | 112 |
| Return on Equity (ROE) | 30.4822% | 54 |
| Retained earnings to average equity (ytd only) | 30.4822% | 22 |
| Net charge-offs to loans | 0.0047% | 1,850 |
| Credit loss provision to net charge-offs | 6,472.7273% | 90 |
| Earnings coverage of net charge-offs (x) | 916.3636% | 144 |
| Efficiency ratio | 35.7880% | 4,679 |
| Assets per employee ($millions) | 13.8375% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,360 |
| Loan loss allowance to noncurrent loans | 132.6595% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 832 |
| Noncurrent loans to loans | 1.1437% | 709 |
| Net loans and leases to total assets | 56.8703% | 2,656 |
| Net loans and leases to deposits | 67.6472% | 2,417 |
| Net loans and leases to core deposits | 68.0131% | 2,653 |
| Total domestic deposits to total assets | 84.0690% | 3,676 |
| Equity capital to assets | 6.3849% | 4,064 |
| Core capital (leverage) ratio | 8.4161% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $730,301,667 | 1,277 |
| Average earning assets | $689,560,000 | 1,266 |
| Average equity | $54,891,000 | 1,552 |
| Average total loans | $470,020,667 | 1,225 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8978% | 927 |
| Cost of funding earning assets | 0.1458% | 3,553 |
| Net interest margin | 3.7520% | 687 |
| Noninterest income to average assets | 0.8765% | 874 |
| Noninterest expense to average assets | 1.6064% | 4,285 |
| Loan and lease loss provision to assets | 0.4086% | 128 |
| Net operating income to assets | 1.8833% | 282 |
| Return on assets (ROA) | 1.8829% | 281 |
| Pretax return on assets | 2.4248% | 201 |
| Return on Equity (ROE) | 22.9950% | 126 |
| Retained earnings to average equity (ytd only) | 22.9950% | 61 |
| Net charge-offs to loans | 0.0009% | 1,811 |
| Credit loss provision to net charge-offs | 70,200.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 4,869.0000% | 8 |
| Efficiency ratio | 36.1777% | 4,698 |
| Assets per employee ($millions) | 12.0324% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5220% | 1,491 |
| Loan loss allowance to noncurrent loans | 105.6261% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.9380% | 557 |
| Noncurrent loans to loans | 1.4409% | 582 |
| Net loans and leases to total assets | 64.1092% | 1,606 |
| Net loans and leases to deposits | 69.8239% | 1,984 |
| Net loans and leases to core deposits | 70.2147% | 2,278 |
| Total domestic deposits to total assets | 91.8156% | 652 |
| Equity capital to assets | 7.4724% | 3,951 |
| Core capital (leverage) ratio | 8.8613% | 3,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $687,245,000 | 1,340 |
| Average earning assets | $652,776,500 | 1,323 |
| Average equity | $56,273,000 | 1,564 |
| Average total loans | $469,305,500 | 1,220 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 1,119 |
| Cost of funding earning assets | 0.1664% | 3,810 |
| Net interest margin | 3.9573% | 777 |
| Noninterest income to average assets | 0.2822% | 3,705 |
| Noninterest expense to average assets | 1.4059% | 4,621 |
| Loan and lease loss provision to assets | 0.2930% | 283 |
| Net operating income to assets | 1.7405% | 582 |
| Return on assets (ROA) | 2.0567% | 320 |
| Pretax return on assets | 2.7216% | 191 |
| Return on Equity (ROE) | 21.1872% | 253 |
| Retained earnings to average equity (ytd only) | 21.1872% | 46 |
| Net charge-offs to loans | 0.0105% | 2,165 |
| Credit loss provision to net charge-offs | 3,627.2727% | 186 |
| Earnings coverage of net charge-offs (x) | 323.6591% | 382 |
| Efficiency ratio | 34.9696% | 4,762 |
| Assets per employee ($millions) | 12.3122% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,014 |
| Loan loss allowance to noncurrent loans | 81.2799% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 404 |
| Noncurrent loans to loans | 1.6939% | 505 |
| Net loans and leases to total assets | 70.8262% | 942 |
| Net loans and leases to deposits | 78.5699% | 1,347 |
| Net loans and leases to core deposits | 79.0653% | 1,671 |
| Total domestic deposits to total assets | 90.1441% | 891 |
| Equity capital to assets | 8.9801% | 3,639 |
| Core capital (leverage) ratio | 9.5281% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,712,400 | 1,588 |
| Average earning assets | $514,536,600 | 1,561 |
| Average equity | $52,876,200 | 1,679 |
| Average total loans | $418,502,200 | 1,328 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 1,290 |
| Cost of funding earning assets | 0.1764% | 3,856 |
| Net interest margin | 3.9328% | 883 |
| Noninterest income to average assets | 0.2974% | 3,663 |
| Noninterest expense to average assets | 1.4315% | 4,660 |
| Loan and lease loss provision to assets | 0.1955% | 533 |
| Net operating income to assets | 1.8138% | 649 |
| Return on assets (ROA) | 2.2007% | 342 |
| Pretax return on assets | 2.8757% | 206 |
| Return on Equity (ROE) | 22.1485% | 292 |
| Retained earnings to average equity (ytd only) | 22.1485% | 84 |
| Net charge-offs to loans | 0.0085% | 2,002 |
| Credit loss provision to net charge-offs | 2,919.2308% | 244 |
| Earnings coverage of net charge-offs (x) | 385.5385% | 362 |
| Efficiency ratio | 35.6735% | 4,816 |
| Assets per employee ($millions) | 10.6126% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 2,297 |
| Loan loss allowance to noncurrent loans | 71.7580% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 363 |
| Noncurrent loans to loans | 1.8623% | 501 |
| Net loans and leases to total assets | 75.3630% | 590 |
| Net loans and leases to deposits | 84.9765% | 887 |
| Net loans and leases to core deposits | 85.6207% | 1,318 |
| Total domestic deposits to total assets | 88.6868% | 1,468 |
| Equity capital to assets | 10.0775% | 2,825 |
| Core capital (leverage) ratio | 10.3205% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $517,754,500 | 1,670 |
| Average earning assets | $489,141,000 | 1,654 |
| Average equity | $51,445,500 | 1,737 |
| Average total loans | $405,971,750 | 1,387 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 1,342 |
| Cost of funding earning assets | 0.1844% | 3,909 |
| Net interest margin | 3.9188% | 941 |
| Noninterest income to average assets | 0.3112% | 3,568 |
| Noninterest expense to average assets | 1.3282% | 4,772 |
| Loan and lease loss provision to assets | 0.2409% | 415 |
| Net operating income to assets | 1.8603% | 633 |
| Return on assets (ROA) | 2.0194% | 496 |
| Pretax return on assets | 2.6359% | 288 |
| Return on Equity (ROE) | 20.4290% | 420 |
| Retained earnings to average equity (ytd only) | 20.4290% | 143 |
| Net charge-offs to loans | 0.0050% | 1,961 |
| Credit loss provision to net charge-offs | 6,100.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 677.4000% | 208 |
| Efficiency ratio | 33.1755% | 4,881 |
| Assets per employee ($millions) | 10.8565% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 2,423 |
| Loan loss allowance to noncurrent loans | 69.0174% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 380 |
| Noncurrent loans to loans | 1.8884% | 528 |
| Net loans and leases to total assets | 78.2938% | 424 |
| Net loans and leases to deposits | 89.0231% | 711 |
| Net loans and leases to core deposits | 91.0032% | 1,065 |
| Total domestic deposits to total assets | 87.9478% | 1,855 |
| Equity capital to assets | 10.1059% | 2,757 |
| Core capital (leverage) ratio | 9.6394% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $506,388,333 | 1,690 |
| Average earning assets | $477,131,000 | 1,680 |
| Average equity | $50,056,333 | 1,774 |
| Average total loans | $400,787,000 | 1,408 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 1,764 |
| Cost of funding earning assets | 0.1777% | 4,098 |
| Net interest margin | 3.7491% | 1,234 |
| Noninterest income to average assets | 0.2593% | 3,849 |
| Noninterest expense to average assets | 1.1831% | 4,863 |
| Loan and lease loss provision to assets | 0.4903% | 135 |
| Net operating income to assets | 1.6208% | 1,085 |
| Return on assets (ROA) | 1.6515% | 1,068 |
| Pretax return on assets | 2.1475% | 745 |
| Return on Equity (ROE) | 16.9113% | 862 |
| Retained earnings to average equity (ytd only) | 16.9113% | 431 |
| Net charge-offs to loans | 0.0051% | 1,727 |
| Credit loss provision to net charge-offs | 12,100.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 641.4000% | 156 |
| Efficiency ratio | 31.2835% | 4,900 |
| Assets per employee ($millions) | 13.1215% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,635 |
| Loan loss allowance to noncurrent loans | 188.8088% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 1,800 |
| Noncurrent loans to loans | 0.6654% | 1,912 |
| Net loans and leases to total assets | 78.4382% | 440 |
| Net loans and leases to deposits | 97.0212% | 376 |
| Net loans and leases to core deposits | 104.1323% | 570 |
| Total domestic deposits to total assets | 80.8464% | 4,091 |
| Equity capital to assets | 8.8172% | 3,864 |
| Core capital (leverage) ratio | 10.0664% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,598,000 | 1,721 |
| Average earning assets | $463,792,500 | 1,705 |
| Average equity | $48,204,500 | 1,813 |
| Average total loans | $390,181,000 | 1,449 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 2,264 |
| Cost of funding earning assets | 0.3047% | 4,111 |
| Net interest margin | 3.8508% | 1,352 |
| Noninterest income to average assets | 0.2623% | 3,909 |
| Noninterest expense to average assets | 1.5597% | 4,734 |
| Loan and lease loss provision to assets | 0.5904% | 346 |
| Net operating income to assets | 1.3331% | 1,166 |
| Return on assets (ROA) | 1.6537% | 610 |
| Pretax return on assets | 2.1394% | 339 |
| Return on Equity (ROE) | 14.0130% | 809 |
| Retained earnings to average equity (ytd only) | 14.0130% | 193 |
| Net charge-offs to loans | 0.0060% | 3,130 |
| Credit loss provision to net charge-offs | 12,629.4118% | 77 |
| Earnings coverage of net charge-offs (x) | 497.1176% | 237 |
| Efficiency ratio | 39.9632% | 4,871 |
| Assets per employee ($millions) | 12.4598% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,853 |
| Loan loss allowance to noncurrent loans | 106.1755% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 886 |
| Noncurrent loans to loans | 1.3471% | 1,008 |
| Net loans and leases to total assets | 77.4346% | 652 |
| Net loans and leases to deposits | 88.3003% | 1,057 |
| Net loans and leases to core deposits | 95.7966% | 1,128 |
| Total domestic deposits to total assets | 87.6946% | 1,612 |
| Equity capital to assets | 10.9649% | 2,283 |
| Core capital (leverage) ratio | 11.3017% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $363,660,800 | 1,988 |
| Average earning assets | $341,981,000 | 1,972 |
| Average equity | $42,917,400 | 1,911 |
| Average total loans | $281,464,600 | 1,768 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 2,724 |
| Cost of funding earning assets | 0.3433% | 4,095 |
| Net interest margin | 3.7380% | 1,805 |
| Noninterest income to average assets | 0.2392% | 4,055 |
| Noninterest expense to average assets | 1.6526% | 4,676 |
| Loan and lease loss provision to assets | 0.5267% | 541 |
| Net operating income to assets | 1.2461% | 1,500 |
| Return on assets (ROA) | 1.5997% | 797 |
| Pretax return on assets | 2.0284% | 492 |
| Return on Equity (ROE) | 13.2586% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.2586% | 308 |
| Net charge-offs to loans | 0.0055% | 2,941 |
| Credit loss provision to net charge-offs | 12,409.0909% | 103 |
| Earnings coverage of net charge-offs (x) | 496.5455% | 233 |
| Efficiency ratio | 43.6634% | 4,802 |
| Assets per employee ($millions) | 12.6456% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,378 |
| Loan loss allowance to noncurrent loans | 167.3022% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 1,901 |
| Noncurrent loans to loans | 0.7500% | 1,925 |
| Net loans and leases to total assets | 80.2048% | 595 |
| Net loans and leases to deposits | 95.4810% | 797 |
| Net loans and leases to core deposits | 107.3026% | 796 |
| Total domestic deposits to total assets | 84.0009% | 2,822 |
| Equity capital to assets | 11.3051% | 2,146 |
| Core capital (leverage) ratio | 11.3861% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,552,750 | 2,050 |
| Average earning assets | $325,479,000 | 2,028 |
| Average equity | $41,692,500 | 1,941 |
| Average total loans | $266,184,000 | 1,833 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 2,915 |
| Cost of funding earning assets | 0.3902% | 4,074 |
| Net interest margin | 3.7573% | 1,964 |
| Noninterest income to average assets | 0.2449% | 4,006 |
| Noninterest expense to average assets | 1.7646% | 4,608 |
| Loan and lease loss provision to assets | 0.6199% | 504 |
| Net operating income to assets | 1.0936% | 1,989 |
| Return on assets (ROA) | 1.2361% | 1,646 |
| Pretax return on assets | 1.5688% | 1,297 |
| Return on Equity (ROE) | 9.9849% | 1,989 |
| Retained earnings to average equity (ytd only) | 9.9849% | 792 |
| Net charge-offs to loans | 0.0057% | 2,758 |
| Credit loss provision to net charge-offs | 14,428.5714% | 87 |
| Earnings coverage of net charge-offs (x) | 467.4286% | 217 |
| Efficiency ratio | 46.3153% | 4,712 |
| Assets per employee ($millions) | 11.2910% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 2,431 |
| Loan loss allowance to noncurrent loans | 171.8124% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 2,143 |
| Noncurrent loans to loans | 0.7080% | 2,109 |
| Net loans and leases to total assets | 77.5336% | 913 |
| Net loans and leases to deposits | 89.5307% | 1,395 |
| Net loans and leases to core deposits | 106.7149% | 863 |
| Total domestic deposits to total assets | 86.5999% | 1,773 |
| Equity capital to assets | 10.5991% | 2,666 |
| Core capital (leverage) ratio | 10.9884% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,850,667 | 2,113 |
| Average earning assets | $305,965,000 | 2,099 |
| Average equity | $40,341,000 | 1,985 |
| Average total loans | $245,352,000 | 1,932 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 2,592 |
| Cost of funding earning assets | 0.4509% | 4,149 |
| Net interest margin | 3.9568% | 1,510 |
| Noninterest income to average assets | 0.2679% | 3,936 |
| Noninterest expense to average assets | 1.9507% | 4,489 |
| Loan and lease loss provision to assets | 0.6951% | 381 |
| Net operating income to assets | 1.0209% | 2,109 |
| Return on assets (ROA) | 1.0371% | 2,148 |
| Pretax return on assets | 1.3435% | 1,738 |
| Return on Equity (ROE) | 7.6323% | 2,666 |
| Retained earnings to average equity (ytd only) | 7.6323% | 1,335 |
| Net charge-offs to loans | 0.0075% | 2,295 |
| Credit loss provision to net charge-offs | 12,650.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 367.2500% | 184 |
| Efficiency ratio | 48.5635% | 4,731 |
| Assets per employee ($millions) | 8.1156% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 1,191 |
| Loan loss allowance to noncurrent loans | 114.8070% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9491% | 1,405 |
| Noncurrent loans to loans | 1.3501% | 1,195 |
| Net loans and leases to total assets | 69.2083% | 2,367 |
| Net loans and leases to deposits | 81.5707% | 2,514 |
| Net loans and leases to core deposits | 84.3190% | 2,824 |
| Total domestic deposits to total assets | 84.8446% | 2,467 |
| Equity capital to assets | 13.3767% | 1,269 |
| Core capital (leverage) ratio | 13.3839% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,183,500 | 2,259 |
| Average earning assets | $272,342,500 | 2,247 |
| Average equity | $39,568,500 | 1,999 |
| Average total loans | $212,941,000 | 2,101 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 2,736 |
| Cost of funding earning assets | 0.6408% | 3,455 |
| Net interest margin | 3.9229% | 2,101 |
| Noninterest income to average assets | 0.1660% | 4,660 |
| Noninterest expense to average assets | 1.8965% | 4,667 |
| Loan and lease loss provision to assets | 0.2155% | 918 |
| Net operating income to assets | 1.3616% | 1,471 |
| Return on assets (ROA) | 1.4492% | 1,254 |
| Pretax return on assets | 1.8681% | 796 |
| Return on Equity (ROE) | 9.8566% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.8566% | 520 |
| Net charge-offs to loans | 0.0236% | 2,932 |
| Credit loss provision to net charge-offs | 1,227.2727% | 279 |
| Earnings coverage of net charge-offs (x) | 112.3636% | 616 |
| Efficiency ratio | 48.3242% | 4,817 |
| Assets per employee ($millions) | 8.0597% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 1,972 |
| Loan loss allowance to noncurrent loans | 269.4553% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 2,946 |
| Noncurrent loans to loans | 0.4786% | 2,755 |
| Net loans and leases to total assets | 75.1616% | 1,558 |
| Net loans and leases to deposits | 88.8878% | 1,714 |
| Net loans and leases to core deposits | 92.1932% | 2,220 |
| Total domestic deposits to total assets | 84.5578% | 2,661 |
| Equity capital to assets | 13.8147% | 1,163 |
| Core capital (leverage) ratio | 14.2052% | 876 |
| Tier 1 risk-based capital ratio | 16.8843% | 2,087 |
| Total risk-based capital ratio | 18.0890% | 2,050 |
| Memoranda: | ||
| Average total assets | $250,623,400 | 2,459 |
| Average earning assets | $236,585,800 | 2,431 |
| Average equity | $36,848,400 | 2,055 |
| Average total loans | $186,725,800 | 2,256 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 2,679 |
| Cost of funding earning assets | 0.6882% | 3,269 |
| Net interest margin | 3.9250% | 2,174 |
| Noninterest income to average assets | 0.1433% | 4,824 |
| Noninterest expense to average assets | 1.8855% | 4,716 |
| Loan and lease loss provision to assets | 0.0890% | 2,121 |
| Net operating income to assets | 1.4317% | 1,380 |
| Return on assets (ROA) | 1.5033% | 1,233 |
| Pretax return on assets | 1.9745% | 727 |
| Return on Equity (ROE) | 10.0480% | 2,408 |
| Retained earnings to average equity (ytd only) | 10.0480% | 734 |
| Net charge-offs to loans | 0.0304% | 2,464 |
| Credit loss provision to net charge-offs | 395.1220% | 766 |
| Earnings coverage of net charge-offs (x) | 87.6022% | 811 |
| Efficiency ratio | 48.1566% | 4,844 |
| Assets per employee ($millions) | 9.2602% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,255 |
| Loan loss allowance to noncurrent loans | 141.6322% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 2,174 |
| Noncurrent loans to loans | 0.8801% | 1,823 |
| Net loans and leases to total assets | 68.2993% | 2,745 |
| Net loans and leases to deposits | 80.6974% | 2,834 |
| Net loans and leases to core deposits | 83.8533% | 3,108 |
| Total domestic deposits to total assets | 84.6363% | 2,561 |
| Equity capital to assets | 13.7431% | 1,258 |
| Core capital (leverage) ratio | 14.8228% | 780 |
| Tier 1 risk-based capital ratio | 18.9565% | 1,575 |
| Total risk-based capital ratio | 20.1540% | 1,555 |
| Memoranda: | ||
| Average total assets | $242,756,500 | 2,529 |
| Average earning assets | $229,766,500 | 2,492 |
| Average equity | $36,318,000 | 2,091 |
| Average total loans | $179,708,750 | 2,341 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7656% | 2,171 |
| Cost of funding earning assets | 0.7383% | 2,954 |
| Net interest margin | 4.0273% | 1,837 |
| Noninterest income to average assets | 0.1454% | 4,844 |
| Noninterest expense to average assets | 1.9872% | 4,619 |
| Loan and lease loss provision to assets | 0.0718% | 2,378 |
| Net operating income to assets | 1.4301% | 1,342 |
| Return on assets (ROA) | 1.5354% | 1,100 |
| Pretax return on assets | 2.0158% | 660 |
| Return on Equity (ROE) | 9.9390% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.9390% | 776 |
| Net charge-offs to loans | 0.0239% | 2,371 |
| Credit loss provision to net charge-offs | 395.2381% | 723 |
| Earnings coverage of net charge-offs (x) | 107.5238% | 661 |
| Efficiency ratio | 49.6926% | 4,796 |
| Assets per employee ($millions) | 8.3907% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,051 |
| Loan loss allowance to noncurrent loans | 105.7945% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 1,532 |
| Noncurrent loans to loans | 1.2210% | 1,309 |
| Net loans and leases to total assets | 73.3908% | 1,990 |
| Net loans and leases to deposits | 88.5502% | 1,934 |
| Net loans and leases to core deposits | 92.4892% | 2,367 |
| Total domestic deposits to total assets | 82.8804% | 3,246 |
| Equity capital to assets | 15.2275% | 762 |
| Core capital (leverage) ratio | 15.6204% | 603 |
| Tier 1 risk-based capital ratio | 20.1814% | 1,313 |
| Total risk-based capital ratio | 21.4317% | 1,287 |
| Memoranda: | ||
| Average total assets | $231,073,670 | 2,607 |
| Average earning assets | $217,811,330 | 2,581 |
| Average equity | $35,697,670 | 2,110 |
| Average total loans | $175,567,000 | 2,396 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 1,794 |
| Cost of funding earning assets | 0.8016% | 2,528 |
| Net interest margin | 4.0364% | 1,726 |
| Noninterest income to average assets | 0.1245% | 4,984 |
| Noninterest expense to average assets | 1.7729% | 4,947 |
| Loan and lease loss provision to assets | 0.1263% | 1,390 |
| Net operating income to assets | 1.5328% | 1,045 |
| Return on assets (ROA) | 1.5328% | 1,068 |
| Pretax return on assets | 2.0129% | 627 |
| Return on Equity (ROE) | 9.8458% | 2,433 |
| Retained earnings to average equity (ytd only) | 9.8458% | 1,076 |
| Net charge-offs to loans | 0.0231% | 1,982 |
| Credit loss provision to net charge-offs | 710.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 120.3000% | 590 |
| Efficiency ratio | 44.5455% | 5,087 |
| Assets per employee ($millions) | 8.5064% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 1,963 |
| Loan loss allowance to noncurrent loans | 132.6705% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 1,835 |
| Noncurrent loans to loans | 1.0009% | 1,669 |
| Net loans and leases to total assets | 75.5480% | 1,549 |
| Net loans and leases to deposits | 92.3566% | 1,363 |
| Net loans and leases to core deposits | 96.9959% | 1,856 |
| Total domestic deposits to total assets | 81.8003% | 3,778 |
| Equity capital to assets | 15.5163% | 647 |
| Core capital (leverage) ratio | 15.5706% | 586 |
| Tier 1 risk-based capital ratio | 19.4606% | 1,449 |
| Total risk-based capital ratio | 20.7109% | 1,425 |
| Memoranda: | ||
| Average total assets | $224,946,000 | 2,683 |
| Average earning assets | $211,080,000 | 2,657 |
| Average equity | $35,020,000 | 2,142 |
| Average total loans | $172,891,500 | 2,448 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 2,338 |
| Cost of funding earning assets | 0.9115% | 1,049 |
| Net interest margin | 3.6273% | 3,288 |
| Noninterest income to average assets | 0.1236% | 5,061 |
| Noninterest expense to average assets | 1.7689% | 5,032 |
| Loan and lease loss provision to assets | 0.2812% | 588 |
| Net operating income to assets | 1.1271% | 2,486 |
| Return on assets (ROA) | 1.1275% | 2,487 |
| Pretax return on assets | 1.4770% | 1,855 |
| Return on Equity (ROE) | 7.7298% | 3,559 |
| Retained earnings to average equity (ytd only) | 7.7298% | 1,363 |
| Net charge-offs to loans | 0.0338% | 2,728 |
| Credit loss provision to net charge-offs | 1,115.3846% | 352 |
| Earnings coverage of net charge-offs (x) | 69.7308% | 935 |
| Efficiency ratio | 49.2371% | 4,984 |
| Assets per employee ($millions) | 8.4699% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3382% | 1,880 |
| Loan loss allowance to noncurrent loans | 77.9301% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 1.3251% | 953 |
| Noncurrent loans to loans | 1.7171% | 841 |
| Net loans and leases to total assets | 76.1336% | 1,588 |
| Net loans and leases to deposits | 92.4679% | 1,483 |
| Net loans and leases to core deposits | 97.8774% | 1,874 |
| Total domestic deposits to total assets | 82.3352% | 3,543 |
| Equity capital to assets | 15.6222% | 595 |
| Core capital (leverage) ratio | 15.8436% | 539 |
| Tier 1 risk-based capital ratio | 20.4144% | 1,240 |
| Total risk-based capital ratio | 21.6656% | 1,218 |
| Memoranda: | ||
| Average total assets | $206,291,600 | 2,801 |
| Average earning assets | $193,532,200 | 2,783 |
| Average equity | $30,091,200 | 2,329 |
| Average total loans | $153,993,800 | 2,600 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 2,436 |
| Cost of funding earning assets | 0.9409% | 773 |
| Net interest margin | 3.5185% | 3,635 |
| Noninterest income to average assets | 0.1249% | 5,120 |
| Noninterest expense to average assets | 1.7717% | 5,065 |
| Loan and lease loss provision to assets | 0.3162% | 450 |
| Net operating income to assets | 1.0270% | 2,979 |
| Return on assets (ROA) | 1.0275% | 2,988 |
| Pretax return on assets | 1.3391% | 2,470 |
| Return on Equity (ROE) | 7.1828% | 3,868 |
| Retained earnings to average equity (ytd only) | 7.1828% | 2,037 |
| Net charge-offs to loans | 0.0364% | 2,355 |
| Credit loss provision to net charge-offs | 1,173.1707% | 351 |
| Earnings coverage of net charge-offs (x) | 61.3850% | 1,048 |
| Efficiency ratio | 50.7483% | 4,903 |
| Assets per employee ($millions) | 8.9776% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 1,937 |
| Loan loss allowance to noncurrent loans | 65.9825% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 825 |
| Noncurrent loans to loans | 2.0251% | 718 |
| Net loans and leases to total assets | 74.9144% | 1,830 |
| Net loans and leases to deposits | 91.3936% | 1,707 |
| Net loans and leases to core deposits | 99.5203% | 1,831 |
| Total domestic deposits to total assets | 81.9690% | 3,618 |
| Equity capital to assets | 15.5141% | 611 |
| Core capital (leverage) ratio | 15.9057% | 530 |
| Tier 1 risk-based capital ratio | 21.0835% | 1,173 |
| Total risk-based capital ratio | 22.3347% | 1,149 |
| Memoranda: | ||
| Average total assets | $202,810,000 | 2,852 |
| Average earning assets | $190,304,750 | 2,840 |
| Average equity | $29,013,250 | 2,404 |
| Average total loans | $150,008,750 | 2,657 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 2,540 |
| Cost of funding earning assets | 0.9821% | 509 |
| Net interest margin | 3.3788% | 4,023 |
| Noninterest income to average assets | 0.1289% | 5,163 |
| Noninterest expense to average assets | 1.7684% | 5,134 |
| Loan and lease loss provision to assets | 0.3525% | 366 |
| Net operating income to assets | 0.9016% | 3,447 |
| Return on assets (ROA) | 0.9023% | 3,452 |
| Pretax return on assets | 1.1793% | 3,014 |
| Return on Equity (ROE) | 6.5064% | 4,063 |
| Retained earnings to average equity (ytd only) | 6.5064% | 2,310 |
| Net charge-offs to loans | 0.0495% | 1,899 |
| Credit loss provision to net charge-offs | 972.2222% | 420 |
| Earnings coverage of net charge-offs (x) | 42.2222% | 1,255 |
| Efficiency ratio | 52.5946% | 4,823 |
| Assets per employee ($millions) | 8.9769% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,281 |
| Loan loss allowance to noncurrent loans | 74.1808% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2374% | 1,154 |
| Noncurrent loans to loans | 1.7228% | 925 |
| Net loans and leases to total assets | 70.9053% | 2,448 |
| Net loans and leases to deposits | 85.4814% | 2,379 |
| Net loans and leases to core deposits | 96.8332% | 1,981 |
| Total domestic deposits to total assets | 82.9482% | 3,421 |
| Equity capital to assets | 14.6171% | 779 |
| Core capital (leverage) ratio | 16.0579% | 483 |
| Tier 1 risk-based capital ratio | 20.7562% | 1,211 |
| Total risk-based capital ratio | 22.0063% | 1,187 |
| Memoranda: | ||
| Average total assets | $198,592,670 | 2,912 |
| Average earning assets | $186,340,670 | 2,900 |
| Average equity | $27,542,000 | 2,496 |
| Average total loans | $145,479,000 | 2,724 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 2,501 |
| Cost of funding earning assets | 0.9735% | 420 |
| Net interest margin | 3.3289% | 4,108 |
| Noninterest income to average assets | 0.1314% | 5,204 |
| Noninterest expense to average assets | 1.8462% | 5,110 |
| Loan and lease loss provision to assets | 0.1465% | 1,263 |
| Net operating income to assets | 0.9543% | 3,056 |
| Return on assets (ROA) | 0.9543% | 3,073 |
| Pretax return on assets | 1.2473% | 2,565 |
| Return on Equity (ROE) | 7.1133% | 3,743 |
| Retained earnings to average equity (ytd only) | 7.1133% | 2,228 |
| Net charge-offs to loans | 0.0407% | 1,721 |
| Credit loss provision to net charge-offs | 485.7143% | 612 |
| Earnings coverage of net charge-offs (x) | 46.2143% | 982 |
| Efficiency ratio | 55.8511% | 4,601 |
| Assets per employee ($millions) | 7.6083% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,730 |
| Loan loss allowance to noncurrent loans | 60.7287% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 925 |
| Noncurrent loans to loans | 1.9977% | 798 |
| Net loans and leases to total assets | 74.0931% | 1,843 |
| Net loans and leases to deposits | 93.4775% | 1,283 |
| Net loans and leases to core deposits | 107.7769% | 1,139 |
| Total domestic deposits to total assets | 79.2631% | 4,537 |
| Equity capital to assets | 13.3998% | 1,071 |
| Core capital (leverage) ratio | 14.8295% | 679 |
| Tier 1 risk-based capital ratio | 18.1415% | 1,793 |
| Total risk-based capital ratio | 19.3610% | 1,752 |
| Memoranda: | ||
| Average total assets | $185,678,000 | 3,075 |
| Average earning assets | $173,390,000 | 3,057 |
| Average equity | $24,911,000 | 2,693 |
| Average total loans | $137,625,000 | 2,846 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 2,867 |
| Cost of funding earning assets | 0.9604% | 272 |
| Net interest margin | 3.1929% | 4,464 |
| Noninterest income to average assets | 0.1387% | 5,259 |
| Noninterest expense to average assets | 1.9501% | 5,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4541% | 4,517 |
| Return on assets (ROA) | 0.4541% | 4,549 |
| Pretax return on assets | 1.1567% | 2,959 |
| Return on Equity (ROE) | 3.2750% | 4,753 |
| Retained earnings to average equity (ytd only) | 3.2750% | 3,342 |
| Net charge-offs to loans | -0.1301% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4458% | 4,026 |
| Assets per employee ($millions) | 8.2638% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 1,852 |
| Loan loss allowance to noncurrent loans | 79.9085% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.2591% | 1,156 |
| Noncurrent loans to loans | 1.7221% | 939 |
| Net loans and leases to total assets | 72.1079% | 2,221 |
| Net loans and leases to deposits | 90.8620% | 1,669 |
| Net loans and leases to core deposits | 105.9595% | 1,265 |
| Total domestic deposits to total assets | 79.3598% | 4,468 |
| Equity capital to assets | 13.4349% | 1,086 |
| Core capital (leverage) ratio | 13.5783% | 939 |
| Tier 1 risk-based capital ratio | 17.4085% | 1,964 |
| Total risk-based capital ratio | 18.6595% | 1,923 |
| Memoranda: | ||
| Average total assets | $162,967,800 | 3,313 |
| Average earning assets | $151,494,000 | 3,303 |
| Average equity | $22,595,400 | 2,895 |
| Average total loans | $112,996,200 | 3,142 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0769% | 3,064 |
| Cost of funding earning assets | 0.9538% | 251 |
| Net interest margin | 3.1231% | 4,646 |
| Noninterest income to average assets | 0.1405% | 5,306 |
| Noninterest expense to average assets | 1.9435% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7160% | 3,895 |
| Return on assets (ROA) | 0.7160% | 3,956 |
| Pretax return on assets | 1.0944% | 3,322 |
| Return on Equity (ROE) | 5.1213% | 4,488 |
| Retained earnings to average equity (ytd only) | 5.1213% | 2,801 |
| Net charge-offs to loans | 0.0158% | 3,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 101.2475% | 687 |
| Efficiency ratio | 62.6061% | 3,794 |
| Assets per employee ($millions) | 8.3556% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 2,061 |
| Loan loss allowance to noncurrent loans | 62.9365% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.5080% | 1,009 |
| Noncurrent loans to loans | 2.1676% | 759 |
| Net loans and leases to total assets | 68.6192% | 2,756 |
| Net loans and leases to deposits | 85.0227% | 2,430 |
| Net loans and leases to core deposits | 95.0648% | 2,163 |
| Total domestic deposits to total assets | 80.7070% | 4,134 |
| Equity capital to assets | 14.0552% | 976 |
| Core capital (leverage) ratio | 13.8979% | 917 |
| Tier 1 risk-based capital ratio | 18.0243% | 1,845 |
| Total risk-based capital ratio | 19.2674% | 1,801 |
| Memoranda: | ||
| Average total assets | $160,324,750 | 3,371 |
| Average earning assets | $148,736,250 | 3,370 |
| Average equity | $22,415,500 | 2,929 |
| Average total loans | $109,524,750 | 3,214 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,154 |
| Cost of funding earning assets | 0.9417% | 235 |
| Net interest margin | 3.0750% | 4,739 |
| Noninterest income to average assets | 0.1417% | 5,348 |
| Noninterest expense to average assets | 1.9435% | 5,098 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6883% | 3,897 |
| Return on assets (ROA) | 0.6883% | 3,961 |
| Pretax return on assets | 1.0490% | 3,378 |
| Return on Equity (ROE) | 4.9325% | 4,504 |
| Retained earnings to average equity (ytd only) | 4.9325% | 2,758 |
| Net charge-offs to loans | 0.0205% | 2,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 75.3636% | 801 |
| Efficiency ratio | 63.5518% | 3,751 |
| Assets per employee ($millions) | 8.6016% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,861 |
| Loan loss allowance to noncurrent loans | 69.8944% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.3902% | 1,132 |
| Noncurrent loans to loans | 2.0332% | 825 |
| Net loans and leases to total assets | 67.4021% | 2,890 |
| Net loans and leases to deposits | 83.1655% | 2,583 |
| Net loans and leases to core deposits | 92.7887% | 2,270 |
| Total domestic deposits to total assets | 81.0458% | 4,170 |
| Equity capital to assets | 14.1375% | 923 |
| Core capital (leverage) ratio | 14.2129% | 801 |
| Tier 1 risk-based capital ratio | 18.4803% | 1,720 |
| Total risk-based capital ratio | 19.7309% | 1,682 |
| Memoranda: | ||
| Average total assets | $158,062,330 | 3,415 |
| Average earning assets | $146,537,000 | 3,407 |
| Average equity | $22,058,000 | 2,967 |
| Average total loans | $107,280,670 | 3,260 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 3,055 |
| Cost of funding earning assets | 0.9310% | 237 |
| Net interest margin | 3.0653% | 4,751 |
| Noninterest income to average assets | 0.1416% | 5,401 |
| Noninterest expense to average assets | 2.0363% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5947% | 4,187 |
| Return on assets (ROA) | 0.5947% | 4,232 |
| Pretax return on assets | 0.9448% | 3,609 |
| Return on Equity (ROE) | 4.2908% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.2908% | 3,287 |
| Net charge-offs to loans | -0.0076% | 4,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8394% | 3,362 |
| Assets per employee ($millions) | 7.7564% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,615 |
| Loan loss allowance to noncurrent loans | 53.7429% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.9203% | 704 |
| Noncurrent loans to loans | 2.8341% | 503 |
| Net loans and leases to total assets | 66.7275% | 2,856 |
| Net loans and leases to deposits | 80.8430% | 2,634 |
| Net loans and leases to core deposits | 92.3209% | 2,132 |
| Total domestic deposits to total assets | 82.5396% | 3,995 |
| Equity capital to assets | 13.9962% | 903 |
| Core capital (leverage) ratio | 13.7439% | 902 |
| Tier 1 risk-based capital ratio | 18.6659% | 1,703 |
| Total risk-based capital ratio | 19.9195% | 1,650 |
| Memoranda: | ||
| Average total assets | $155,378,000 | 3,484 |
| Average earning assets | $143,931,500 | 3,474 |
| Average equity | $21,534,500 | 3,024 |
| Average total loans | $105,049,000 | 3,318 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 3,206 |
| Cost of funding earning assets | 0.9502% | 229 |
| Net interest margin | 3.0469% | 4,856 |
| Noninterest income to average assets | 0.2485% | 4,939 |
| Noninterest expense to average assets | 2.2813% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9900% | 322 |
| Return on assets (ROA) | 2.0968% | 274 |
| Pretax return on assets | 0.9164% | 3,784 |
| Return on Equity (ROE) | 15.6447% | 541 |
| Retained earnings to average equity (ytd only) | 15.6447% | 88 |
| Net charge-offs to loans | -0.0879% | 5,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3348% | 2,540 |
| Assets per employee ($millions) | 7.7814% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,587 |
| Loan loss allowance to noncurrent loans | 45.1567% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.2753% | 556 |
| Noncurrent loans to loans | 3.3729% | 366 |
| Net loans and leases to total assets | 66.4308% | 3,010 |
| Net loans and leases to deposits | 80.8592% | 2,793 |
| Net loans and leases to core deposits | 95.3367% | 1,976 |
| Total domestic deposits to total assets | 82.1562% | 4,029 |
| Equity capital to assets | 13.7231% | 974 |
| Core capital (leverage) ratio | 13.9794% | 820 |
| Tier 1 risk-based capital ratio | 18.7402% | 1,671 |
| Total risk-based capital ratio | 19.9950% | 1,636 |
| Memoranda: | ||
| Average total assets | $146,887,000 | 3,566 |
| Average earning assets | $137,023,000 | 3,535 |
| Average equity | $19,687,200 | 3,201 |
| Average total loans | $92,144,000 | 3,531 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 3,296 |
| Cost of funding earning assets | 0.9537% | 220 |
| Net interest margin | 3.0268% | 4,960 |
| Noninterest income to average assets | 0.2829% | 4,743 |
| Noninterest expense to average assets | 2.1745% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9362% | 2,722 |
| Return on assets (ROA) | 1.0808% | 2,186 |
| Pretax return on assets | 1.0808% | 3,312 |
| Return on Equity (ROE) | 8.1161% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.1161% | 1,128 |
| Net charge-offs to loans | -0.0989% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4242% | 3,152 |
| Assets per employee ($millions) | 8.2954% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 1,529 |
| Loan loss allowance to noncurrent loans | 45.7407% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 2.3192% | 613 |
| Noncurrent loans to loans | 3.4607% | 378 |
| Net loans and leases to total assets | 65.9550% | 3,129 |
| Net loans and leases to deposits | 79.5911% | 3,012 |
| Net loans and leases to core deposits | 96.5093% | 1,939 |
| Total domestic deposits to total assets | 82.8673% | 3,642 |
| Equity capital to assets | 13.3649% | 1,314 |
| Core capital (leverage) ratio | 13.1940% | 1,114 |
| Tier 1 risk-based capital ratio | 19.1423% | 1,640 |
| Total risk-based capital ratio | 20.3955% | 1,595 |
| Memoranda: | ||
| Average total assets | $144,701,750 | 3,610 |
| Average earning assets | $135,189,000 | 3,583 |
| Average equity | $19,269,750 | 3,259 |
| Average total loans | $88,934,000 | 3,620 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 3,459 |
| Cost of funding earning assets | 0.9452% | 226 |
| Net interest margin | 2.9971% | 5,090 |
| Noninterest income to average assets | 0.3465% | 4,301 |
| Noninterest expense to average assets | 2.1598% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9863% | 2,447 |
| Return on assets (ROA) | 1.1539% | 1,879 |
| Pretax return on assets | 1.1539% | 2,973 |
| Return on Equity (ROE) | 8.6760% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.6760% | 943 |
| Net charge-offs to loans | -0.1385% | 5,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1847% | 3,506 |
| Assets per employee ($millions) | 8.9278% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 1,268 |
| Loan loss allowance to noncurrent loans | 71.3898% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.5464% | 1,221 |
| Noncurrent loans to loans | 2.3869% | 753 |
| Net loans and leases to total assets | 63.6856% | 3,411 |
| Net loans and leases to deposits | 76.6769% | 3,307 |
| Net loans and leases to core deposits | 92.3779% | 2,317 |
| Total domestic deposits to total assets | 83.0570% | 3,629 |
| Equity capital to assets | 13.8333% | 1,082 |
| Core capital (leverage) ratio | 13.8485% | 863 |
| Tier 1 risk-based capital ratio | 18.5199% | 1,794 |
| Total risk-based capital ratio | 19.7734% | 1,757 |
| Memoranda: | ||
| Average total assets | $143,163,330 | 3,654 |
| Average earning assets | $133,730,000 | 3,634 |
| Average equity | $19,041,000 | 3,294 |
| Average total loans | $85,223,330 | 3,712 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 2,967 |
| Cost of funding earning assets | 0.9419% | 232 |
| Net interest margin | 3.1277% | 4,787 |
| Noninterest income to average assets | 0.5331% | 2,914 |
| Noninterest expense to average assets | 2.2243% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2280% | 1,461 |
| Return on assets (ROA) | 1.3703% | 1,159 |
| Pretax return on assets | 1.3703% | 2,004 |
| Return on Equity (ROE) | 10.5131% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.5131% | 740 |
| Net charge-offs to loans | -0.1913% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0558% | 4,294 |
| Assets per employee ($millions) | 7.3975% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.7922% | 4,279 |
| Net loans and leases to deposits | 67.6306% | 4,097 |
| Net loans and leases to core deposits | 80.1670% | 3,300 |
| Total domestic deposits to total assets | 82.4954% | 4,068 |
| Equity capital to assets | 13.6526% | 1,113 |
| Core capital (leverage) ratio | 13.4647% | 997 |
| Tier 1 risk-based capital ratio | 19.4399% | 1,625 |
| Total risk-based capital ratio | 20.6939% | 1,594 |
| Memoranda: | ||
| Average total assets | $143,323,000 | 3,680 |
| Average earning assets | $133,772,000 | 3,655 |
| Average equity | $18,681,500 | 3,350 |
| Average total loans | $81,561,000 | 3,815 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 3,308 |
| Cost of funding earning assets | 0.8520% | 364 |
| Net interest margin | 3.1475% | 4,782 |
| Noninterest income to average assets | 0.3915% | 4,097 |
| Noninterest expense to average assets | 2.1900% | 5,064 |
| Loan and lease loss provision to assets | -0.0350% | 5,708 |
| Net operating income to assets | 1.1808% | 1,617 |
| Return on assets (ROA) | 1.3111% | 1,292 |
| Pretax return on assets | 1.3111% | 2,239 |
| Return on Equity (ROE) | 10.6447% | 1,736 |
| Retained earnings to average equity (ytd only) | 10.6447% | 384 |
| Net charge-offs to loans | 0.0388% | 3,452 |
| Credit loss provision to net charge-offs | -156.2500% | 5,236 |
| Earnings coverage of net charge-offs (x) | 51.1250% | 984 |
| Efficiency ratio | 64.2452% | 4,209 |
| Assets per employee ($millions) | 8.1163% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 1,087 |
| Loan loss allowance to noncurrent loans | 1,158.7786% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 5,262 |
| Noncurrent loans to loans | 0.1576% | 4,861 |
| Net loans and leases to total assets | 55.8750% | 4,304 |
| Net loans and leases to deposits | 66.6215% | 4,257 |
| Net loans and leases to core deposits | 79.1510% | 3,430 |
| Total domestic deposits to total assets | 83.8693% | 3,538 |
| Equity capital to assets | 12.4399% | 1,652 |
| Core capital (leverage) ratio | 13.1923% | 1,075 |
| Tier 1 risk-based capital ratio | 18.7551% | 1,760 |
| Total risk-based capital ratio | 20.0083% | 1,717 |
| Memoranda: | ||
| Average total assets | $142,784,800 | 3,680 |
| Average earning assets | $133,564,400 | 3,639 |
| Average equity | $17,586,200 | 3,443 |
| Average total loans | $82,579,800 | 3,758 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,322 |
| Cost of funding earning assets | 0.8339% | 413 |
| Net interest margin | 3.1698% | 4,774 |
| Noninterest income to average assets | 0.4593% | 3,645 |
| Noninterest expense to average assets | 2.2053% | 5,039 |
| Loan and lease loss provision to assets | -0.0470% | 5,907 |
| Net operating income to assets | 1.2642% | 1,440 |
| Return on assets (ROA) | 1.4333% | 1,088 |
| Pretax return on assets | 1.4333% | 1,893 |
| Return on Equity (ROE) | 11.6669% | 1,474 |
| Retained earnings to average equity (ytd only) | 11.6669% | 396 |
| Net charge-offs to loans | -0.0954% | 5,764 |
| Credit loss provision to net charge-offs | 84.7458% | 2,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0626% | 4,394 |
| Assets per employee ($millions) | 7.3392% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 1,029 |
| Loan loss allowance to noncurrent loans | 630.9804% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 5,025 |
| Noncurrent loans to loans | 0.3044% | 4,511 |
| Net loans and leases to total assets | 58.9143% | 4,023 |
| Net loans and leases to deposits | 71.5101% | 3,824 |
| Net loans and leases to core deposits | 81.7077% | 3,283 |
| Total domestic deposits to total assets | 82.3859% | 4,029 |
| Equity capital to assets | 13.0130% | 1,437 |
| Core capital (leverage) ratio | 13.1215% | 1,164 |
| Tier 1 risk-based capital ratio | 17.2548% | 2,276 |
| Total risk-based capital ratio | 18.5084% | 2,229 |
| Memoranda: | ||
| Average total assets | $141,957,500 | 3,720 |
| Average earning assets | $132,707,000 | 3,684 |
| Average equity | $17,439,250 | 3,493 |
| Average total loans | $82,437,750 | 3,793 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 3,538 |
| Cost of funding earning assets | 0.8138% | 458 |
| Net interest margin | 3.1251% | 4,900 |
| Noninterest income to average assets | 0.1779% | 5,632 |
| Noninterest expense to average assets | 2.0855% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0182% | 2,305 |
| Return on assets (ROA) | 1.2073% | 1,659 |
| Pretax return on assets | 1.2073% | 2,750 |
| Return on Equity (ROE) | 10.0211% | 2,059 |
| Retained earnings to average equity (ytd only) | 10.0211% | 656 |
| Net charge-offs to loans | -0.0634% | 5,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7040% | 4,066 |
| Assets per employee ($millions) | 7.3773% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9542% | 1,064 |
| Loan loss allowance to noncurrent loans | 1,113.6986% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 5,452 |
| Noncurrent loans to loans | 0.1755% | 5,072 |
| Net loans and leases to total assets | 58.2005% | 4,073 |
| Net loans and leases to deposits | 73.5436% | 3,551 |
| Net loans and leases to core deposits | 85.3640% | 2,838 |
| Total domestic deposits to total assets | 79.1373% | 5,069 |
| Equity capital to assets | 12.3965% | 1,725 |
| Core capital (leverage) ratio | 12.6183% | 1,327 |
| Tier 1 risk-based capital ratio | 17.3004% | 2,284 |
| Total risk-based capital ratio | 18.5543% | 2,247 |
| Memoranda: | ||
| Average total assets | $142,795,000 | 3,741 |
| Average earning assets | $133,692,000 | 3,699 |
| Average equity | $17,203,670 | 3,538 |
| Average total loans | $81,996,330 | 3,825 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 3,435 |
| Cost of funding earning assets | 0.8017% | 493 |
| Net interest margin | 3.1447% | 4,800 |
| Noninterest income to average assets | 0.1749% | 5,665 |
| Noninterest expense to average assets | 1.9735% | 5,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1519% | 1,695 |
| Return on assets (ROA) | 1.4295% | 1,035 |
| Pretax return on assets | 1.4295% | 1,778 |
| Return on Equity (ROE) | 12.0345% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.0345% | 568 |
| Net charge-offs to loans | -0.0639% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6341% | 4,857 |
| Assets per employee ($millions) | 8.4437% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 1,141 |
| Loan loss allowance to noncurrent loans | 1,047.4026% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 5,527 |
| Noncurrent loans to loans | 0.1880% | 5,109 |
| Net loans and leases to total assets | 55.9296% | 4,212 |
| Net loans and leases to deposits | 67.4188% | 4,010 |
| Net loans and leases to core deposits | 81.7097% | 2,988 |
| Total domestic deposits to total assets | 82.9584% | 4,190 |
| Equity capital to assets | 12.2242% | 1,873 |
| Core capital (leverage) ratio | 12.0691% | 1,599 |
| Tier 1 risk-based capital ratio | 16.9499% | 2,493 |
| Total risk-based capital ratio | 18.2037% | 2,448 |
| Memoranda: | ||
| Average total assets | $144,108,000 | 3,741 |
| Average earning assets | $135,210,500 | 3,700 |
| Average equity | $17,117,500 | 3,577 |
| Average total loans | $81,392,000 | 3,849 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,437 |
| Cost of funding earning assets | 0.8136% | 604 |
| Net interest margin | 3.2579% | 4,721 |
| Noninterest income to average assets | 1.7447% | 424 |
| Noninterest expense to average assets | 4.6129% | 419 |
| Loan and lease loss provision to assets | 0.2668% | 819 |
| Net operating income to assets | -0.1033% | 6,157 |
| Return on assets (ROA) | 0.0557% | 6,038 |
| Pretax return on assets | 0.0557% | 6,038 |
| Return on Equity (ROE) | 0.5528% | 6,028 |
| Retained earnings to average equity (ytd only) | 0.5528% | 5,522 |
| Net charge-offs to loans | -0.0666% | 6,014 |
| Credit loss provision to net charge-offs | -734.4828% | 5,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6995% | 515 |
| Assets per employee ($millions) | 8.5102% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 1,148 |
| Loan loss allowance to noncurrent loans | 1,012.6582% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 3,918 |
| Noncurrent loans to loans | 0.1953% | 5,119 |
| Net loans and leases to total assets | 54.8050% | 4,473 |
| Net loans and leases to deposits | 65.5956% | 4,369 |
| Net loans and leases to core deposits | 81.2219% | 3,178 |
| Total domestic deposits to total assets | 83.5498% | 3,901 |
| Equity capital to assets | 11.5350% | 2,403 |
| Core capital (leverage) ratio | 11.2945% | 2,140 |
| Tier 1 risk-based capital ratio | 15.8584% | 3,027 |
| Total risk-based capital ratio | 17.1123% | 2,980 |
| Memoranda: | ||
| Average total assets | $159,681,400 | 3,495 |
| Average earning assets | $148,590,600 | 3,468 |
| Average equity | $16,098,400 | 3,651 |
| Average total loans | $87,133,400 | 3,696 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 3,403 |
| Cost of funding earning assets | 0.8092% | 655 |
| Net interest margin | 3.2850% | 4,668 |
| Noninterest income to average assets | 2.5078% | 242 |
| Noninterest expense to average assets | 5.6486% | 211 |
| Loan and lease loss provision to assets | 0.3263% | 570 |
| Net operating income to assets | -0.4136% | 6,346 |
| Return on assets (ROA) | -0.2766% | 6,300 |
| Pretax return on assets | -0.2766% | 6,282 |
| Return on Equity (ROE) | -2.8336% | 6,311 |
| Retained earnings to average equity (ytd only) | -2.8336% | 6,130 |
| Net charge-offs to loans | -0.0707% | 6,036 |
| Credit loss provision to net charge-offs | -851.0638% | 5,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8361% | 345 |
| Assets per employee ($millions) | 7.3996% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 1,306 |
| Loan loss allowance to noncurrent loans | 976.8750% | 565 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 2,863 |
| Noncurrent loans to loans | 0.2017% | 5,294 |
| Net loans and leases to total assets | 52.5569% | 4,745 |
| Net loans and leases to deposits | 62.3967% | 4,701 |
| Net loans and leases to core deposits | 77.8859% | 3,552 |
| Total domestic deposits to total assets | 84.2302% | 3,673 |
| Equity capital to assets | 10.9175% | 3,049 |
| Core capital (leverage) ratio | 10.3248% | 3,258 |
| Tier 1 risk-based capital ratio | 15.6066% | 3,256 |
| Total risk-based capital ratio | 16.8597% | 3,196 |
| Memoranda: | ||
| Average total assets | $163,433,500 | 3,465 |
| Average earning assets | $151,919,500 | 3,432 |
| Average equity | $15,951,000 | 3,694 |
| Average total loans | $88,694,750 | 3,690 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 3,275 |
| Cost of funding earning assets | 0.7977% | 716 |
| Net interest margin | 3.3185% | 4,515 |
| Noninterest income to average assets | 3.0395% | 187 |
| Noninterest expense to average assets | 5.9959% | 181 |
| Loan and lease loss provision to assets | 0.1780% | 1,378 |
| Net operating income to assets | -0.0498% | 6,222 |
| Return on assets (ROA) | 0.0795% | 6,108 |
| Pretax return on assets | 0.0795% | 6,117 |
| Return on Equity (ROE) | 0.8437% | 6,081 |
| Retained earnings to average equity (ytd only) | 0.8437% | 5,411 |
| Net charge-offs to loans | -0.0741% | 6,045 |
| Credit loss provision to net charge-offs | -441.1765% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2685% | 496 |
| Assets per employee ($millions) | 2.6243% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 3,705 |
| Loan loss allowance to noncurrent loans | 807.4534% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.9800% | 3,105 |
| Noncurrent loans to loans | 0.1645% | 5,515 |
| Net loans and leases to total assets | 57.5019% | 4,052 |
| Net loans and leases to deposits | 74.4450% | 3,272 |
| Net loans and leases to core deposits | 95.5187% | 1,645 |
| Total domestic deposits to total assets | 77.2407% | 5,773 |
| Equity capital to assets | 9.9459% | 4,181 |
| Core capital (leverage) ratio | 9.7574% | 3,952 |
| Tier 1 risk-based capital ratio | 14.4733% | 3,944 |
| Total risk-based capital ratio | 15.6214% | 3,947 |
| Memoranda: | ||
| Average total assets | $168,580,670 | 3,398 |
| Average earning assets | $156,699,000 | 3,369 |
| Average equity | $15,882,330 | 3,711 |
| Average total loans | $91,812,000 | 3,643 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 3,274 |
| Cost of funding earning assets | 0.7908% | 781 |
| Net interest margin | 3.3111% | 4,483 |
| Noninterest income to average assets | 2.2594% | 275 |
| Noninterest expense to average assets | 5.8262% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4926% | 6,466 |
| Return on assets (ROA) | -0.3742% | 6,426 |
| Pretax return on assets | -0.3742% | 6,418 |
| Return on Equity (ROE) | -4.0851% | 6,445 |
| Retained earnings to average equity (ytd only) | -4.0851% | 6,069 |
| Net charge-offs to loans | -0.0451% | 5,763 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4813% | 292 |
| Assets per employee ($millions) | 2.2719% | 6,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 4,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 3,177 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 53.0541% | 4,536 |
| Net loans and leases to deposits | 66.6159% | 4,011 |
| Net loans and leases to core deposits | 79.6119% | 3,019 |
| Total domestic deposits to total assets | 79.6418% | 5,558 |
| Equity capital to assets | 9.3928% | 4,641 |
| Core capital (leverage) ratio | 9.7427% | 3,934 |
| Tier 1 risk-based capital ratio | 14.2637% | 4,156 |
| Total risk-based capital ratio | 15.2608% | 4,267 |
| Memoranda: | ||
| Average total assets | $168,892,000 | 3,425 |
| Average earning assets | $156,804,500 | 3,391 |
| Average equity | $15,471,000 | 3,783 |
| Average total loans | $88,778,500 | 3,732 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 5,039 |
| Cost of funding earning assets | 0.7823% | 1,307 |
| Net interest margin | 2.9477% | 5,686 |
| Noninterest income to average assets | 4.1989% | 158 |
| Noninterest expense to average assets | 7.3897% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.4393% | 6,471 |
| Return on assets (ROA) | -0.2077% | 6,381 |
| Pretax return on assets | -0.2077% | 6,359 |
| Return on Equity (ROE) | -2.0623% | 6,384 |
| Retained earnings to average equity (ytd only) | -2.0623% | 6,182 |
| Net charge-offs to loans | -0.0668% | 6,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9852% | 338 |
| Assets per employee ($millions) | 1.9961% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 4,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 3,371 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 50.7594% | 4,994 |
| Net loans and leases to deposits | 63.9520% | 4,511 |
| Net loans and leases to core deposits | 76.6385% | 3,540 |
| Total domestic deposits to total assets | 79.3711% | 5,584 |
| Equity capital to assets | 8.9300% | 5,118 |
| Core capital (leverage) ratio | 9.6232% | 4,086 |
| Tier 1 risk-based capital ratio | 14.3648% | 4,037 |
| Total risk-based capital ratio | 15.3535% | 4,169 |
| Memoranda: | ||
| Average total assets | $167,069,400 | 3,460 |
| Average earning assets | $155,949,600 | 3,399 |
| Average equity | $16,825,800 | 3,585 |
| Average total loans | $79,320,800 | 3,957 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6711% | 5,251 |
| Cost of funding earning assets | 0.7769% | 1,441 |
| Net interest margin | 2.8941% | 5,832 |
| Noninterest income to average assets | 4.6019% | 152 |
| Noninterest expense to average assets | 7.3643% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.0585% | 6,347 |
| Return on assets (ROA) | 0.1771% | 6,039 |
| Pretax return on assets | 0.1771% | 6,079 |
| Return on Equity (ROE) | 1.7087% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.7087% | 5,286 |
| Net charge-offs to loans | -0.0655% | 6,389 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5593% | 447 |
| Assets per employee ($millions) | 1.9146% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,204 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0307% | 3,585 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 47.1297% | 5,433 |
| Net loans and leases to deposits | 62.7656% | 4,655 |
| Net loans and leases to core deposits | 73.9989% | 3,849 |
| Total domestic deposits to total assets | 75.0885% | 6,272 |
| Equity capital to assets | 9.4418% | 4,626 |
| Core capital (leverage) ratio | 9.8048% | 3,948 |
| Tier 1 risk-based capital ratio | 14.9624% | 3,770 |
| Total risk-based capital ratio | 15.9482% | 3,912 |
| Memoranda: | ||
| Average total assets | $166,420,500 | 3,502 |
| Average earning assets | $155,482,750 | 3,447 |
| Average equity | $17,244,500 | 3,571 |
| Average total loans | $77,341,750 | 4,047 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 5,466 |
| Cost of funding earning assets | 0.7707% | 1,580 |
| Net interest margin | 2.8195% | 5,965 |
| Noninterest income to average assets | 4.9971% | 145 |
| Noninterest expense to average assets | 6.9831% | 149 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6567% | 4,033 |
| Return on assets (ROA) | 0.9547% | 2,692 |
| Pretax return on assets | 0.9547% | 3,696 |
| Return on Equity (ROE) | 8.9360% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.9360% | 1,149 |
| Net charge-offs to loans | -0.0661% | 6,365 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3085% | 954 |
| Assets per employee ($millions) | 1.9565% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 4,467 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 1.0534% | 3,638 |
| Noncurrent loans to loans | 0.0204% | 6,355 |
| Net loans and leases to total assets | 48.2117% | 5,309 |
| Net loans and leases to deposits | 64.7496% | 4,406 |
| Net loans and leases to core deposits | 75.6069% | 3,592 |
| Total domestic deposits to total assets | 74.4586% | 6,406 |
| Equity capital to assets | 9.8223% | 4,159 |
| Core capital (leverage) ratio | 10.1735% | 3,272 |
| Tier 1 risk-based capital ratio | 15.7557% | 3,333 |
| Total risk-based capital ratio | 16.7567% | 3,431 |
| Memoranda: | ||
| Average total assets | $164,454,670 | 3,551 |
| Average earning assets | $154,141,000 | 3,487 |
| Average equity | $17,569,330 | 3,542 |
| Average total loans | $75,684,330 | 4,113 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5371% | 5,616 |
| Cost of funding earning assets | 0.7779% | 1,653 |
| Net interest margin | 2.7593% | 6,115 |
| Noninterest income to average assets | 3.8694% | 193 |
| Noninterest expense to average assets | 6.0133% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4555% | 4,889 |
| Return on assets (ROA) | 0.7031% | 3,812 |
| Pretax return on assets | 0.7031% | 4,564 |
| Return on Equity (ROE) | 6.3130% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.3130% | 2,500 |
| Net charge-offs to loans | -0.0612% | 6,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9583% | 909 |
| Assets per employee ($millions) | 2.0639% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 4,798 |
| Loan loss allowance to noncurrent loans | 164.7239% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.4346% | 3,111 |
| Noncurrent loans to loans | 0.7770% | 4,563 |
| Net loans and leases to total assets | 48.9486% | 5,117 |
| Net loans and leases to deposits | 65.9612% | 4,058 |
| Net loans and leases to core deposits | 78.1750% | 3,040 |
| Total domestic deposits to total assets | 74.2081% | 6,524 |
| Equity capital to assets | 10.7591% | 3,246 |
| Core capital (leverage) ratio | 10.5275% | 2,740 |
| Tier 1 risk-based capital ratio | 16.0412% | 3,238 |
| Total risk-based capital ratio | 17.0521% | 3,331 |
| Memoranda: | ||
| Average total assets | $161,575,000 | 3,620 |
| Average earning assets | $152,214,000 | 3,555 |
| Average equity | $17,994,500 | 3,527 |
| Average total loans | $71,951,000 | 4,270 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 6,021 |
| Cost of funding earning assets | 0.8897% | 1,991 |
| Net interest margin | 2.8238% | 6,357 |
| Noninterest income to average assets | 0.2107% | 5,910 |
| Noninterest expense to average assets | 3.0400% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1424% | 6,333 |
| Return on assets (ROA) | 0.3412% | 5,545 |
| Pretax return on assets | 0.3412% | 5,740 |
| Return on Equity (ROE) | 2.9704% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.9704% | 4,140 |
| Net charge-offs to loans | 0.0069% | 5,857 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -53.7500% | 5,976 |
| Efficiency ratio | 104.9154% | 430 |
| Assets per employee ($millions) | 2.4430% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 2,679 |
| Loan loss allowance to noncurrent loans | 8,176.9231% | 92 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 3,718 |
| Noncurrent loans to loans | 0.0217% | 6,477 |
| Net loans and leases to total assets | 38.2848% | 6,280 |
| Net loans and leases to deposits | 46.4290% | 6,225 |
| Net loans and leases to core deposits | 54.8779% | 5,806 |
| Total domestic deposits to total assets | 82.4589% | 4,944 |
| Equity capital to assets | 11.5524% | 2,395 |
| Core capital (leverage) ratio | 10.8154% | 2,427 |
| Tier 1 risk-based capital ratio | 18.1366% | 2,209 |
| Total risk-based capital ratio | 19.2902% | 2,222 |
| Memoranda: | ||
| Average total assets | $150,952,600 | 3,759 |
| Average earning assets | $143,636,800 | 3,669 |
| Average equity | $17,337,800 | 3,570 |
| Average total loans | $58,230,200 | 4,787 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 6,140 |
| Cost of funding earning assets | 0.8997% | 2,172 |
| Net interest margin | 2.8445% | 6,446 |
| Noninterest income to average assets | 0.1136% | 6,567 |
| Noninterest expense to average assets | 3.0285% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2041% | 6,505 |
| Return on assets (ROA) | 0.3009% | 5,816 |
| Pretax return on assets | 0.3009% | 5,955 |
| Return on Equity (ROE) | 2.6237% | 5,834 |
| Retained earnings to average equity (ytd only) | 2.6237% | 4,990 |
| Net charge-offs to loans | 0.0784% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -6.7651% | 5,728 |
| Efficiency ratio | 107.2282% | 354 |
| Assets per employee ($millions) | 5.9515% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6694% | 3,260 |
| Loan loss allowance to noncurrent loans | 7,946.1538% | 98 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 3,979 |
| Noncurrent loans to loans | 0.0210% | 6,590 |
| Net loans and leases to total assets | 39.3214% | 6,335 |
| Net loans and leases to deposits | 47.6420% | 6,281 |
| Net loans and leases to core deposits | 57.1442% | 5,797 |
| Total domestic deposits to total assets | 82.5352% | 4,819 |
| Equity capital to assets | 11.4683% | 2,784 |
| Core capital (leverage) ratio | 10.6011% | 2,797 |
| Tier 1 risk-based capital ratio | 17.9331% | 2,379 |
| Total risk-based capital ratio | 19.0547% | 2,393 |
| Memoranda: | ||
| Average total assets | $150,214,000 | 3,818 |
| Average earning assets | $143,148,500 | 3,714 |
| Average equity | $17,227,250 | 3,617 |
| Average total loans | $57,791,250 | 4,846 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 6,294 |
| Cost of funding earning assets | 0.9126% | 2,305 |
| Net interest margin | 2.8110% | 6,556 |
| Noninterest income to average assets | 0.1184% | 6,593 |
| Noninterest expense to average assets | 2.8782% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0794% | 6,412 |
| Return on assets (ROA) | 0.2972% | 5,833 |
| Pretax return on assets | 0.2972% | 5,969 |
| Return on Equity (ROE) | 2.5917% | 5,848 |
| Retained earnings to average equity (ytd only) | 2.5917% | 4,896 |
| Net charge-offs to loans | 0.2056% | 3,340 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.0172% | 5,311 |
| Efficiency ratio | 102.8352% | 467 |
| Assets per employee ($millions) | 6.1827% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 3,141 |
| Loan loss allowance to noncurrent loans | 328.6645% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 3,745 |
| Noncurrent loans to loans | 0.5236% | 5,473 |
| Net loans and leases to total assets | 37.2794% | 6,533 |
| Net loans and leases to deposits | 45.1990% | 6,496 |
| Net loans and leases to core deposits | 54.2463% | 6,077 |
| Total domestic deposits to total assets | 82.4783% | 4,956 |
| Equity capital to assets | 11.2397% | 2,851 |
| Core capital (leverage) ratio | 10.8716% | 2,420 |
| Tier 1 risk-based capital ratio | 17.8141% | 2,354 |
| Total risk-based capital ratio | 18.9110% | 2,381 |
| Memoranda: | ||
| Average total assets | $148,705,330 | 3,863 |
| Average earning assets | $141,798,330 | 3,755 |
| Average equity | $17,054,330 | 3,638 |
| Average total loans | $56,428,670 | 4,936 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 6,371 |
| Cost of funding earning assets | 0.9545% | 2,275 |
| Net interest margin | 2.7857% | 6,659 |
| Noninterest income to average assets | 0.0659% | 6,874 |
| Noninterest expense to average assets | 2.9196% | 3,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1948% | 6,629 |
| Return on assets (ROA) | 0.1180% | 6,328 |
| Pretax return on assets | 0.1180% | 6,354 |
| Return on Equity (ROE) | 1.0181% | 6,342 |
| Retained earnings to average equity (ytd only) | 1.0181% | 5,665 |
| Net charge-offs to loans | -0.0723% | 6,678 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.1501% | 387 |
| Assets per employee ($millions) | 5.8471% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9551% | 2,506 |
| Loan loss allowance to noncurrent loans | 110.0102% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.8847% | 3,068 |
| Noncurrent loans to loans | 1.7772% | 3,442 |
| Net loans and leases to total assets | 36.9484% | 6,559 |
| Net loans and leases to deposits | 44.4538% | 6,534 |
| Net loans and leases to core deposits | 52.7874% | 6,144 |
| Total domestic deposits to total assets | 83.1164% | 4,879 |
| Equity capital to assets | 11.7255% | 2,243 |
| Core capital (leverage) ratio | 11.1969% | 2,112 |
| Tier 1 risk-based capital ratio | 18.9078% | 2,021 |
| Total risk-based capital ratio | 20.1581% | 1,979 |
| Memoranda: | ||
| Average total assets | $145,774,000 | 3,941 |
| Average earning assets | $139,137,500 | 3,834 |
| Average equity | $16,895,000 | 3,668 |
| Average total loans | $55,327,500 | 5,004 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2225% | 5,994 |
| Cost of funding earning assets | 1.1744% | 2,192 |
| Net interest margin | 3.0481% | 6,453 |
| Noninterest income to average assets | 0.0347% | 6,892 |
| Noninterest expense to average assets | 3.0957% | 3,211 |
| Loan and lease loss provision to assets | 0.1097% | 5,220 |
| Net operating income to assets | -0.2322% | 6,286 |
| Return on assets (ROA) | 0.3838% | 5,106 |
| Pretax return on assets | 0.3838% | 5,339 |
| Return on Equity (ROE) | 3.3428% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.3428% | 3,845 |
| Net charge-offs to loans | 0.4581% | 3,153 |
| Credit loss provision to net charge-offs | 58.9354% | 5,194 |
| Earnings coverage of net charge-offs (x) | -0.6578% | 6,136 |
| Efficiency ratio | 104.1200% | 565 |
| Assets per employee ($millions) | 5.8148% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 2,506 |
| Loan loss allowance to noncurrent loans | 174.9180% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 3,494 |
| Noncurrent loans to loans | 1.0978% | 4,513 |
| Net loans and leases to total assets | 37.4910% | 6,667 |
| Net loans and leases to deposits | 44.8989% | 6,678 |
| Net loans and leases to core deposits | 53.4444% | 6,342 |
| Total domestic deposits to total assets | 83.5008% | 4,539 |
| Equity capital to assets | 11.4535% | 2,543 |
| Core capital (leverage) ratio | 11.2399% | 2,091 |
| Tier 1 risk-based capital ratio | 19.2158% | 1,840 |
| Total risk-based capital ratio | 20.4657% | 1,801 |
| Memoranda: | ||
| Average total assets | $141,230,400 | 3,954 |
| Average earning assets | $136,151,800 | 3,817 |
| Average equity | $16,213,800 | 3,687 |
| Average total loans | $57,412,400 | 4,970 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 5,695 |
| Cost of funding earning assets | 1.2157% | 2,218 |
| Net interest margin | 3.1575% | 6,264 |
| Noninterest income to average assets | 0.0304% | 7,018 |
| Noninterest expense to average assets | 3.1546% | 2,979 |
| Loan and lease loss provision to assets | 0.1236% | 4,888 |
| Net operating income to assets | -0.1997% | 6,386 |
| Return on assets (ROA) | 0.3291% | 5,460 |
| Pretax return on assets | 0.3291% | 5,645 |
| Return on Equity (ROE) | 2.8645% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.8645% | 4,644 |
| Net charge-offs to loans | 0.5437% | 2,606 |
| Credit loss provision to net charge-offs | 55.0847% | 4,924 |
| Earnings coverage of net charge-offs (x) | -0.3390% | 5,778 |
| Efficiency ratio | 102.4714% | 594 |
| Assets per employee ($millions) | 5.6275% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 2,557 |
| Loan loss allowance to noncurrent loans | 108.3080% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3434% | 4,127 |
| Noncurrent loans to loans | 1.7735% | 3,676 |
| Net loans and leases to total assets | 38.7975% | 6,725 |
| Net loans and leases to deposits | 47.4482% | 6,656 |
| Net loans and leases to core deposits | 52.2826% | 6,548 |
| Total domestic deposits to total assets | 81.7680% | 5,173 |
| Equity capital to assets | 11.5263% | 2,655 |
| Core capital (leverage) ratio | 11.4596% | 2,055 |
| Tier 1 risk-based capital ratio | 19.8646% | 1,717 |
| Total risk-based capital ratio | 21.1149% | 1,688 |
| Memoranda: | ||
| Average total assets | $140,195,250 | 3,992 |
| Average earning assets | $135,337,250 | 3,852 |
| Average equity | $16,104,750 | 3,721 |
| Average total loans | $57,873,500 | 5,002 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 5,470 |
| Cost of funding earning assets | 1.2414% | 2,311 |
| Net interest margin | 3.2230% | 6,089 |
| Noninterest income to average assets | 0.0528% | 7,038 |
| Noninterest expense to average assets | 3.1450% | 3,098 |
| Loan and lease loss provision to assets | 0.1714% | 4,216 |
| Net operating income to assets | -0.1600% | 6,430 |
| Return on assets (ROA) | 0.1585% | 5,958 |
| Pretax return on assets | 0.1585% | 6,003 |
| Return on Equity (ROE) | 1.3817% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.3817% | 5,300 |
| Net charge-offs to loans | 0.0375% | 5,325 |
| Credit loss provision to net charge-offs | 1,090.9091% | 308 |
| Earnings coverage of net charge-offs (x) | 0.7273% | 4,748 |
| Efficiency ratio | 99.6380% | 735 |
| Assets per employee ($millions) | 5.8407% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 1,959 |
| Loan loss allowance to noncurrent loans | 54.6848% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 3,667 |
| Noncurrent loans to loans | 3.9872% | 1,740 |
| Net loans and leases to total assets | 41.0945% | 6,658 |
| Net loans and leases to deposits | 49.6650% | 6,627 |
| Net loans and leases to core deposits | 52.2689% | 6,646 |
| Total domestic deposits to total assets | 82.7432% | 4,883 |
| Equity capital to assets | 11.9513% | 2,123 |
| Core capital (leverage) ratio | 11.2726% | 2,064 |
| Tier 1 risk-based capital ratio | 18.4134% | 2,037 |
| Total risk-based capital ratio | 19.6665% | 1,986 |
| Memoranda: | ||
| Average total assets | $140,031,330 | 4,025 |
| Average earning assets | $134,843,670 | 3,888 |
| Average equity | $16,067,670 | 3,721 |
| Average total loans | $58,614,000 | 5,026 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 5,359 |
| Cost of funding earning assets | 1.2830% | 2,288 |
| Net interest margin | 3.2104% | 6,035 |
| Noninterest income to average assets | 0.0514% | 7,128 |
| Noninterest expense to average assets | 3.3181% | 2,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1915% | 6,551 |
| Return on assets (ROA) | -0.1972% | 6,574 |
| Pretax return on assets | -0.1972% | 6,537 |
| Return on Equity (ROE) | -1.7552% | 6,562 |
| Retained earnings to average equity (ytd only) | -1.7552% | 6,110 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1243% | 571 |
| Assets per employee ($millions) | 6.0763% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0213% | 2,353 |
| Loan loss allowance to noncurrent loans | 48.8565% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 3.0360% | 2,275 |
| Noncurrent loans to loans | 4.1372% | 1,738 |
| Net loans and leases to total assets | 40.7542% | 6,725 |
| Net loans and leases to deposits | 48.6595% | 6,713 |
| Net loans and leases to core deposits | 52.9395% | 6,627 |
| Total domestic deposits to total assets | 83.7537% | 4,594 |
| Equity capital to assets | 11.2661% | 2,438 |
| Core capital (leverage) ratio | 11.2917% | 1,961 |
| Tier 1 risk-based capital ratio | 17.4665% | 2,307 |
| Total risk-based capital ratio | 18.7175% | 2,272 |
| Memoranda: | ||
| Average total assets | $139,958,500 | 4,065 |
| Average earning assets | $134,065,000 | 3,933 |
| Average equity | $15,725,000 | 3,771 |
| Average total loans | $58,476,500 | 5,069 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 5,352 |
| Cost of funding earning assets | 1.6483% | 1,837 |
| Net interest margin | 3.1707% | 6,335 |
| Noninterest income to average assets | 0.0728% | 7,017 |
| Noninterest expense to average assets | 3.0095% | 3,811 |
| Loan and lease loss provision to assets | 0.8077% | 2,018 |
| Net operating income to assets | -0.6847% | 6,504 |
| Return on assets (ROA) | 0.2889% | 5,133 |
| Pretax return on assets | 0.2889% | 5,261 |
| Return on Equity (ROE) | 2.3953% | 5,220 |
| Retained earnings to average equity (ytd only) | 2.3953% | 4,200 |
| Net charge-offs to loans | 1.3356% | 1,671 |
| Credit loss provision to net charge-offs | 145.0980% | 2,549 |
| Earnings coverage of net charge-offs (x) | 0.2209% | 5,884 |
| Efficiency ratio | 96.0743% | 962 |
| Assets per employee ($millions) | 5.6065% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 2,316 |
| Loan loss allowance to noncurrent loans | 65.9002% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 2.5834% | 2,697 |
| Noncurrent loans to loans | 3.0312% | 2,516 |
| Net loans and leases to total assets | 41.1288% | 6,891 |
| Net loans and leases to deposits | 50.7478% | 6,817 |
| Net loans and leases to core deposits | 55.5115% | 6,719 |
| Total domestic deposits to total assets | 81.0455% | 5,509 |
| Equity capital to assets | 11.2049% | 2,504 |
| Core capital (leverage) ratio | 11.1622% | 2,037 |
| Tier 1 risk-based capital ratio | 17.4042% | 2,204 |
| Total risk-based capital ratio | 18.6661% | 2,169 |
| Memoranda: | ||
| Average total assets | $137,429,800 | 4,107 |
| Average earning assets | $132,620,400 | 3,963 |
| Average equity | $16,573,800 | 3,663 |
| Average total loans | $57,279,400 | 5,188 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 5,485 |
| Cost of funding earning assets | 1.7062% | 1,846 |
| Net interest margin | 3.1392% | 6,511 |
| Noninterest income to average assets | 0.0790% | 7,138 |
| Noninterest expense to average assets | 2.9777% | 3,829 |
| Loan and lease loss provision to assets | 1.0481% | 1,411 |
| Net operating income to assets | -0.9116% | 6,849 |
| Return on assets (ROA) | -0.0702% | 6,241 |
| Pretax return on assets | -0.0702% | 6,186 |
| Return on Equity (ROE) | -0.5717% | 6,231 |
| Retained earnings to average equity (ytd only) | -0.5717% | 5,935 |
| Net charge-offs to loans | 1.6522% | 1,200 |
| Credit loss provision to net charge-offs | 152.4823% | 2,542 |
| Earnings coverage of net charge-offs (x) | 0.1986% | 5,815 |
| Efficiency ratio | 95.6168% | 920 |
| Assets per employee ($millions) | 5.9235% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9903% | 2,247 |
| Loan loss allowance to noncurrent loans | 184.6154% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 6,232 |
| Noncurrent loans to loans | 1.0781% | 5,078 |
| Net loans and leases to total assets | 43.3742% | 6,884 |
| Net loans and leases to deposits | 53.2163% | 6,822 |
| Net loans and leases to core deposits | 56.7923% | 6,804 |
| Total domestic deposits to total assets | 81.5054% | 5,202 |
| Equity capital to assets | 12.8435% | 1,657 |
| Core capital (leverage) ratio | 10.8890% | 2,342 |
| Tier 1 risk-based capital ratio | 17.4022% | 2,205 |
| Total risk-based capital ratio | 18.6543% | 2,170 |
| Memoranda: | ||
| Average total assets | $136,746,750 | 4,173 |
| Average earning assets | $132,219,000 | 4,026 |
| Average equity | $16,791,000 | 3,683 |
| Average total loans | $56,893,750 | 5,280 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8104% | 5,760 |
| Cost of funding earning assets | 1.7593% | 1,820 |
| Net interest margin | 3.0511% | 6,720 |
| Noninterest income to average assets | 0.0540% | 7,315 |
| Noninterest expense to average assets | 2.8251% | 4,376 |
| Loan and lease loss provision to assets | 0.4309% | 3,163 |
| Net operating income to assets | -0.2556% | 6,420 |
| Return on assets (ROA) | 0.5200% | 4,395 |
| Pretax return on assets | 0.5200% | 4,845 |
| Return on Equity (ROE) | 4.3007% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.3007% | 3,343 |
| Net charge-offs to loans | 0.6636% | 2,553 |
| Credit loss provision to net charge-offs | 159.4595% | 2,469 |
| Earnings coverage of net charge-offs (x) | 0.6486% | 5,094 |
| Efficiency ratio | 94.1577% | 1,061 |
| Assets per employee ($millions) | 6.3794% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 3,675 |
| Loan loss allowance to noncurrent loans | 115.3374% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 6,033 |
| Noncurrent loans to loans | 1.3430% | 4,702 |
| Net loans and leases to total assets | 42.5688% | 7,002 |
| Net loans and leases to deposits | 51.9206% | 6,981 |
| Net loans and leases to core deposits | 55.6872% | 6,959 |
| Total domestic deposits to total assets | 81.9882% | 4,991 |
| Equity capital to assets | 12.4206% | 1,849 |
| Core capital (leverage) ratio | 11.0575% | 2,197 |
| Tier 1 risk-based capital ratio | 17.4948% | 2,102 |
| Total risk-based capital ratio | 18.5637% | 2,127 |
| Memoranda: | ||
| Average total assets | $136,915,670 | 4,192 |
| Average earning assets | $132,213,670 | 4,054 |
| Average equity | $16,555,330 | 3,713 |
| Average total loans | $55,760,670 | 5,356 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 5,773 |
| Cost of funding earning assets | 1.8384% | 1,705 |
| Net interest margin | 2.9894% | 6,854 |
| Noninterest income to average assets | 0.0503% | 7,462 |
| Noninterest expense to average assets | 2.7692% | 4,611 |
| Loan and lease loss provision to assets | 0.3402% | 3,345 |
| Net operating income to assets | -0.1775% | 6,516 |
| Return on assets (ROA) | 0.6006% | 4,039 |
| Pretax return on assets | 0.6006% | 4,602 |
| Return on Equity (ROE) | 5.0382% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.0382% | 3,136 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4501% | 1,113 |
| Assets per employee ($millions) | 6.2514% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6813% | 3,133 |
| Loan loss allowance to noncurrent loans | 94.5000% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 5,709 |
| Noncurrent loans to loans | 1.7791% | 4,085 |
| Net loans and leases to total assets | 40.1825% | 7,243 |
| Net loans and leases to deposits | 48.9404% | 7,187 |
| Net loans and leases to core deposits | 52.7218% | 7,167 |
| Total domestic deposits to total assets | 82.1050% | 5,030 |
| Equity capital to assets | 11.8687% | 2,124 |
| Core capital (leverage) ratio | 11.3567% | 1,996 |
| Tier 1 risk-based capital ratio | 18.1983% | 1,898 |
| Total risk-based capital ratio | 19.3300% | 1,897 |
| Memoranda: | ||
| Average total assets | $135,200,000 | 4,296 |
| Average earning assets | $130,328,500 | 4,145 |
| Average equity | $16,117,000 | 3,816 |
| Average total loans | $53,299,000 | 5,525 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 6,102 |
| Cost of funding earning assets | 2.1857% | 2,098 |
| Net interest margin | 2.9099% | 6,846 |
| Noninterest income to average assets | 0.2438% | 6,353 |
| Noninterest expense to average assets | 3.8556% | 1,580 |
| Loan and lease loss provision to assets | 0.5437% | 3,651 |
| Net operating income to assets | -1.3681% | 6,799 |
| Return on assets (ROA) | -1.0033% | 6,580 |
| Pretax return on assets | -1.0033% | 6,411 |
| Return on Equity (ROE) | -6.6811% | 6,360 |
| Retained earnings to average equity (ytd only) | -6.6811% | 6,213 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.1944% | 501 |
| Assets per employee ($millions) | 5.7770% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 3,099 |
| Loan loss allowance to noncurrent loans | 27,666.6667% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 7,536 |
| Noncurrent loans to loans | 0.0060% | 7,431 |
| Net loans and leases to total assets | 37.2996% | 7,469 |
| Net loans and leases to deposits | 46.2068% | 7,431 |
| Net loans and leases to core deposits | 58.8277% | 7,311 |
| Total domestic deposits to total assets | 80.7233% | 5,433 |
| Equity capital to assets | 11.9749% | 2,047 |
| Core capital (leverage) ratio | 11.1145% | 2,163 |
| Tier 1 risk-based capital ratio | 19.6642% | 1,532 |
| Total risk-based capital ratio | 20.7555% | 1,521 |
| Memoranda: | ||
| Average total assets | $103,357,400 | 5,004 |
| Average earning assets | $99,005,600 | 4,866 |
| Average equity | $15,521,400 | 3,966 |
| Average total loans | $38,050,800 | 6,199 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 6,743 |
| Cost of funding earning assets | 2.1164% | 2,818 |
| Net interest margin | 2.8407% | 6,987 |
| Noninterest income to average assets | 0.3112% | 5,996 |
| Noninterest expense to average assets | 4.2133% | 1,017 |
| Loan and lease loss provision to assets | 0.6001% | 2,992 |
| Net operating income to assets | -1.7837% | 7,229 |
| Return on assets (ROA) | -1.4989% | 7,111 |
| Pretax return on assets | -1.4989% | 6,963 |
| Return on Equity (ROE) | -9.3272% | 6,843 |
| Retained earnings to average equity (ytd only) | -9.3272% | 6,744 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.0646% | 395 |
| Assets per employee ($millions) | 5.7567% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 35.9918% | 7,621 |
| Net loans and leases to deposits | 45.0591% | 7,597 |
| Net loans and leases to core deposits | 60.5035% | 7,384 |
| Total domestic deposits to total assets | 79.8769% | 5,480 |
| Equity capital to assets | 12.5592% | 1,913 |
| Core capital (leverage) ratio | 13.6055% | 1,201 |
| Tier 1 risk-based capital ratio | 19.7810% | 1,600 |
| Total risk-based capital ratio | 20.7124% | 1,618 |
| Memoranda: | ||
| Average total assets | $95,979,250 | 5,244 |
| Average earning assets | $91,851,500 | 5,103 |
| Average equity | $15,424,000 | 4,019 |
| Average total loans | $34,966,000 | 6,402 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 6,283 |
| Cost of funding earning assets | 2.1470% | 3,058 |
| Net interest margin | 2.9938% | 6,570 |
| Noninterest income to average assets | 0.3435% | 5,763 |
| Noninterest expense to average assets | 4.8713% | 565 |
| Loan and lease loss provision to assets | 0.6012% | 2,646 |
| Net operating income to assets | -2.2782% | 7,505 |
| Return on assets (ROA) | -2.0230% | 7,428 |
| Pretax return on assets | -2.0230% | 7,295 |
| Return on Equity (ROE) | -11.2899% | 7,129 |
| Retained earnings to average equity (ytd only) | -11.2899% | 6,992 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.5019% | 358 |
| Assets per employee ($millions) | 4.3810% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 4,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 40.1372% | 7,544 |
| Net loans and leases to deposits | 55.9371% | 7,169 |
| Net loans and leases to core deposits | 92.3490% | 5,309 |
| Total domestic deposits to total assets | 71.7541% | 7,270 |
| Equity capital to assets | 16.0362% | 817 |
| Core capital (leverage) ratio | 16.9443% | 619 |
| Tier 1 risk-based capital ratio | 26.0010% | 865 |
| Total risk-based capital ratio | 26.8993% | 865 |
| Memoranda: | ||
| Average total assets | $83,837,330 | 5,664 |
| Average earning assets | $79,831,000 | 5,536 |
| Average equity | $15,022,330 | 4,109 |
| Average total loans | $30,503,000 | 6,705 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 6,849 |
| Cost of funding earning assets | 2.1487% | 3,415 |
| Net interest margin | 2.8850% | 6,786 |
| Noninterest income to average assets | 0.3765% | 5,418 |
| Noninterest expense to average assets | 4.8785% | 526 |
| Loan and lease loss provision to assets | 0.6085% | 2,070 |
| Net operating income to assets | -2.3825% | 7,745 |
| Return on assets (ROA) | -1.9854% | 7,655 |
| Pretax return on assets | -1.9854% | 7,530 |
| Return on Equity (ROE) | -10.4015% | 7,388 |
| Retained earnings to average equity (ytd only) | -10.4015% | 7,150 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.1429% | 322 |
| Assets per employee ($millions) | 3.7997% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,463 |
| 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% | 7,590 |
| Net loans and leases to total assets | 34.9712% | 7,765 |
| Net loans and leases to deposits | 51.3552% | 7,441 |
| Net loans and leases to core deposits | 82.1581% | 6,227 |
| Total domestic deposits to total assets | 68.0966% | 7,590 |
| Equity capital to assets | 16.7624% | 749 |
| Core capital (leverage) ratio | 19.2185% | 433 |
| Tier 1 risk-based capital ratio | 29.4447% | 658 |
| Total risk-based capital ratio | 30.2301% | 674 |
| Memoranda: | ||
| Average total assets | $77,565,000 | 5,901 |
| Average earning assets | $73,345,000 | 5,800 |
| Average equity | $14,805,500 | 4,176 |
| Average total loans | $26,152,000 | 6,999 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 7,771 |
| Cost of funding earning assets | 1.5813% | 7,484 |
| Net interest margin | 3.5183% | 5,236 |
| Noninterest income to average assets | 0.2449% | 6,690 |
| Noninterest expense to average assets | 7.6862% | 240 |
| Loan and lease loss provision to assets | 0.4747% | 2,926 |
| Net operating income to assets | -4.6229% | 8,058 |
| Return on assets (ROA) | -4.5219% | 8,036 |
| Pretax return on assets | -4.5219% | 7,967 |
| Return on Equity (ROE) | -13.3017% | 7,509 |
| Retained earnings to average equity (ytd only) | -13.3017% | 7,354 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 217.2435% | 173 |
| Assets per employee ($millions) | 3.3869% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 4,088 |
| 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 | 31.1317% | 7,964 |
| Net loans and leases to deposits | 50.5344% | 7,603 |
| Net loans and leases to core deposits | 87.9473% | 5,982 |
| Total domestic deposits to total assets | 61.6050% | 7,905 |
| Equity capital to assets | 22.0880% | 348 |
| Core capital (leverage) ratio | 25.3456% | 257 |
| Tier 1 risk-based capital ratio | 45.2640% | 259 |
| Total risk-based capital ratio | 46.0829% | 261 |
| Memoranda: | ||
| Average total assets | $46,551,200 | 6,916 |
| Average earning assets | $43,572,000 | 6,872 |
| Average equity | $15,825,000 | 3,970 |
| Average total loans | $11,711,800 | 7,849 |