Home > Summit Bank > Performance and Condition Ratios
Summit Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5633% | 329 |
| Cost of funding earning assets | 1.8171% | 1,220 |
| Net interest margin | 4.7462% | 448 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 2.4647% | 2,402 |
| Loan and lease loss provision to assets | 0.8400% | 85 |
| Net operating income to assets | 0.9279% | 2,460 |
| Return on assets (ROA) | 0.9279% | 2,431 |
| Pretax return on assets | 1.2702% | 1,957 |
| Return on Equity (ROE) | 9.1000% | 2,728 |
| Retained earnings to average equity (ytd only) | 9.1009% | 1,230 |
| Net charge-offs to loans | 0.9716% | 108 |
| Credit loss provision to net charge-offs | 107.9408% | 1,767 |
| Earnings coverage of net charge-offs (x) | 2.7096% | 2,680 |
| Efficiency ratio | 53.8621% | 3,687 |
| Assets per employee ($millions) | 8.2711% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,657 |
| Loan loss allowance to noncurrent loans | 743.7462% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,496 |
| Noncurrent loans to loans | 0.1784% | 2,627 |
| Net loans and leases to total assets | 85.1100% | 199 |
| Net loans and leases to deposits | 99.8032% | 546 |
| Net loans and leases to core deposits | 103.1825% | 1,262 |
| Total domestic deposits to total assets | 85.2800% | 2,216 |
| Equity capital to assets | 10.4178% | 1,771 |
| Core capital (leverage) ratio | 10.6558% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7120% | 2,333 |
| Memoranda: | ||
| Average total assets | $1,040,868,800 | 947 |
| Average earning assets | $993,742,000 | 914 |
| Average equity | $106,121,800 | 910 |
| Average total loans | $834,747,800 | 835 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4345% | 325 |
| Cost of funding earning assets | 1.7430% | 1,104 |
| Net interest margin | 4.6915% | 467 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 2.4541% | 2,363 |
| Loan and lease loss provision to assets | 0.7900% | 90 |
| Net operating income to assets | 0.9868% | 2,404 |
| Return on assets (ROA) | 0.9868% | 2,392 |
| Pretax return on assets | 1.3375% | 1,938 |
| Return on Equity (ROE) | 9.7300% | 2,724 |
| Retained earnings to average equity (ytd only) | 9.7340% | 1,478 |
| Net charge-offs to loans | 0.9345% | 97 |
| Credit loss provision to net charge-offs | 106.9269% | 1,571 |
| Earnings coverage of net charge-offs (x) | 2.8898% | 2,459 |
| Efficiency ratio | 53.6163% | 3,613 |
| Assets per employee ($millions) | 8.0501% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 1,626 |
| Loan loss allowance to noncurrent loans | 3,037.5315% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,425 |
| Noncurrent loans to loans | 0.0447% | 3,440 |
| Net loans and leases to total assets | 82.3900% | 406 |
| Net loans and leases to deposits | 96.4176% | 728 |
| Net loans and leases to core deposits | 98.0343% | 1,442 |
| Total domestic deposits to total assets | 85.4500% | 2,369 |
| Equity capital to assets | 10.2177% | 1,694 |
| Core capital (leverage) ratio | 10.7958% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,032,275,500 | 955 |
| Average earning assets | $986,392,250 | 919 |
| Average equity | $104,648,000 | 913 |
| Average total loans | $811,567,000 | 853 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2831% | 318 |
| Cost of funding earning assets | 1.6752% | 920 |
| Net interest margin | 4.6078% | 516 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.4325% | 2,398 |
| Loan and lease loss provision to assets | 0.7300% | 99 |
| Net operating income to assets | 0.9920% | 2,444 |
| Return on assets (ROA) | 0.9920% | 2,432 |
| Pretax return on assets | 1.3458% | 1,952 |
| Return on Equity (ROE) | 9.8100% | 2,766 |
| Retained earnings to average equity (ytd only) | 9.8124% | 1,461 |
| Net charge-offs to loans | 0.8448% | 101 |
| Credit loss provision to net charge-offs | 113.0382% | 1,362 |
| Earnings coverage of net charge-offs (x) | 3.2014% | 2,272 |
| Efficiency ratio | 53.9022% | 3,623 |
| Assets per employee ($millions) | 8.0089% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 1,336 |
| Loan loss allowance to noncurrent loans | 1,779.1176% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 3,104 |
| Noncurrent loans to loans | 0.0817% | 3,104 |
| Net loans and leases to total assets | 80.0000% | 624 |
| Net loans and leases to deposits | 94.5461% | 818 |
| Net loans and leases to core deposits | 96.7098% | 1,426 |
| Total domestic deposits to total assets | 84.6200% | 2,655 |
| Equity capital to assets | 10.3467% | 1,658 |
| Core capital (leverage) ratio | 10.7524% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,022,162,000 | 950 |
| Average earning assets | $977,645,333 | 915 |
| Average equity | $103,339,000 | 916 |
| Average total loans | $786,244,667 | 861 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0679% | 292 |
| Cost of funding earning assets | 1.5167% | 819 |
| Net interest margin | 4.5512% | 542 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.4388% | 2,405 |
| Loan and lease loss provision to assets | 0.7700% | 88 |
| Net operating income to assets | 0.9652% | 2,638 |
| Return on assets (ROA) | 0.9652% | 2,599 |
| Pretax return on assets | 1.3074% | 2,152 |
| Return on Equity (ROE) | 9.6600% | 2,882 |
| Retained earnings to average equity (ytd only) | 9.6612% | 1,778 |
| Net charge-offs to loans | 0.8343% | 90 |
| Credit loss provision to net charge-offs | 123.9322% | 1,027 |
| Earnings coverage of net charge-offs (x) | 3.3348% | 1,887 |
| Efficiency ratio | 53.9629% | 3,606 |
| Assets per employee ($millions) | 8.8212% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 1,103 |
| Loan loss allowance to noncurrent loans | 2,630.1310% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,360 |
| Noncurrent loans to loans | 0.0591% | 3,308 |
| Net loans and leases to total assets | 70.8600% | 1,542 |
| Net loans and leases to deposits | 81.2689% | 1,724 |
| Net loans and leases to core deposits | 84.7551% | 1,943 |
| Total domestic deposits to total assets | 87.2000% | 2,187 |
| Equity capital to assets | 9.6360% | 2,043 |
| Core capital (leverage) ratio | 10.8238% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,020,671,500 | 967 |
| Average earning assets | $976,883,500 | 932 |
| Average equity | $101,974,500 | 933 |
| Average total loans | $763,243,500 | 895 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 295 |
| Cost of funding earning assets | 0.3871% | 2,198 |
| Net interest margin | 4.6184% | 238 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.2477% | 2,904 |
| Loan and lease loss provision to assets | 0.4900% | 124 |
| Net operating income to assets | 1.4923% | 897 |
| Return on assets (ROA) | 1.4923% | 864 |
| Pretax return on assets | 1.9860% | 488 |
| Return on Equity (ROE) | 15.0600% | 1,242 |
| Retained earnings to average equity (ytd only) | 15.0593% | 288 |
| Net charge-offs to loans | 0.3737% | 202 |
| Credit loss provision to net charge-offs | 182.4980% | 1,176 |
| Earnings coverage of net charge-offs (x) | 9.1688% | 2,234 |
| Efficiency ratio | 47.5484% | 4,267 |
| Assets per employee ($millions) | 8.1136% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,073 |
| Loan loss allowance to noncurrent loans | 1,717.9676% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 3,092 |
| Noncurrent loans to loans | 0.0903% | 3,111 |
| Net loans and leases to total assets | 76.6600% | 943 |
| Net loans and leases to deposits | 86.3486% | 1,288 |
| Net loans and leases to core deposits | 86.6436% | 1,700 |
| Total domestic deposits to total assets | 88.7800% | 1,785 |
| Equity capital to assets | 10.3828% | 1,514 |
| Core capital (leverage) ratio | 10.5142% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $944,420,400 | 1,035 |
| Average earning assets | $908,004,200 | 987 |
| Average equity | $93,590,200 | 985 |
| Average total loans | $683,408,800 | 927 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 401 |
| Cost of funding earning assets | 0.2054% | 3,207 |
| Net interest margin | 4.4262% | 266 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.1970% | 2,941 |
| Loan and lease loss provision to assets | 0.4100% | 134 |
| Net operating income to assets | 1.4363% | 991 |
| Return on assets (ROA) | 1.4363% | 967 |
| Pretax return on assets | 1.9396% | 532 |
| Return on Equity (ROE) | 14.6700% | 1,245 |
| Retained earnings to average equity (ytd only) | 14.6738% | 394 |
| Net charge-offs to loans | 0.2449% | 274 |
| Credit loss provision to net charge-offs | 238.7255% | 912 |
| Earnings coverage of net charge-offs (x) | 13.5490% | 1,883 |
| Efficiency ratio | 48.2704% | 4,258 |
| Assets per employee ($millions) | 8.5254% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,139 |
| Loan loss allowance to noncurrent loans | 2,552.3810% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,448 |
| Noncurrent loans to loans | 0.0613% | 3,438 |
| Net loans and leases to total assets | 72.8800% | 1,191 |
| Net loans and leases to deposits | 81.5032% | 1,480 |
| Net loans and leases to core deposits | 81.8235% | 1,775 |
| Total domestic deposits to total assets | 89.4200% | 1,910 |
| Equity capital to assets | 9.8513% | 1,692 |
| Core capital (leverage) ratio | 10.3326% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $939,145,500 | 1,045 |
| Average earning assets | $904,015,250 | 998 |
| Average equity | $91,925,750 | 1,025 |
| Average total loans | $666,308,500 | 943 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 481 |
| Cost of funding earning assets | 0.0868% | 4,317 |
| Net interest margin | 4.2616% | 296 |
| Noninterest income to average assets | 0.2988% | 3,372 |
| Noninterest expense to average assets | 2.2042% | 2,844 |
| Loan and lease loss provision to assets | 0.3331% | 189 |
| Net operating income to assets | 1.3848% | 943 |
| Return on assets (ROA) | 1.3848% | 917 |
| Pretax return on assets | 1.8670% | 499 |
| Return on Equity (ROE) | 14.1793% | 1,067 |
| Retained earnings to average equity (ytd only) | 14.1793% | 340 |
| Net charge-offs to loans | 0.1940% | 332 |
| Credit loss provision to net charge-offs | 245.7870% | 877 |
| Earnings coverage of net charge-offs (x) | 16.2337% | 1,628 |
| Efficiency ratio | 50.0465% | 4,245 |
| Assets per employee ($millions) | 9.1448% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 1,237 |
| Loan loss allowance to noncurrent loans | 4,140.3162% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,722 |
| Noncurrent loans to loans | 0.0378% | 3,666 |
| Net loans and leases to total assets | 68.6722% | 1,422 |
| Net loans and leases to deposits | 76.6005% | 1,639 |
| Net loans and leases to core deposits | 76.8611% | 1,936 |
| Total domestic deposits to total assets | 89.6498% | 1,870 |
| Equity capital to assets | 9.6858% | 1,889 |
| Core capital (leverage) ratio | 10.0134% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $928,230,000 | 1,053 |
| Average earning assets | $894,226,333 | 1,015 |
| Average equity | $90,653,000 | 1,039 |
| Average total loans | $648,559,333 | 959 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 578 |
| Cost of funding earning assets | 0.0596% | 4,529 |
| Net interest margin | 4.0877% | 346 |
| Noninterest income to average assets | 0.2885% | 3,393 |
| Noninterest expense to average assets | 2.2003% | 2,838 |
| Loan and lease loss provision to assets | 0.3069% | 200 |
| Net operating income to assets | 1.2786% | 1,049 |
| Return on assets (ROA) | 1.2786% | 1,044 |
| Pretax return on assets | 1.7241% | 649 |
| Return on Equity (ROE) | 13.0356% | 1,025 |
| Retained earnings to average equity (ytd only) | 13.0356% | 463 |
| Net charge-offs to loans | 0.2358% | 267 |
| Credit loss provision to net charge-offs | 186.1702% | 797 |
| Earnings coverage of net charge-offs (x) | 12.3191% | 1,419 |
| Efficiency ratio | 52.0000% | 4,202 |
| Assets per employee ($millions) | 8.7403% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,475 |
| Loan loss allowance to noncurrent loans | 2,392.7361% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,591 |
| Noncurrent loans to loans | 0.0638% | 3,535 |
| Net loans and leases to total assets | 68.8356% | 1,128 |
| Net loans and leases to deposits | 76.7971% | 1,380 |
| Net loans and leases to core deposits | 77.0666% | 1,698 |
| Total domestic deposits to total assets | 89.6331% | 1,750 |
| Equity capital to assets | 9.6781% | 2,154 |
| Core capital (leverage) ratio | 10.1070% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $912,243,000 | 1,067 |
| Average earning assets | $879,916,500 | 1,038 |
| Average equity | $89,478,000 | 1,092 |
| Average total loans | $637,905,000 | 964 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 846 |
| Cost of funding earning assets | 0.0717% | 4,583 |
| Net interest margin | 4.2313% | 464 |
| Noninterest income to average assets | 0.2286% | 4,008 |
| Noninterest expense to average assets | 2.2684% | 2,886 |
| Loan and lease loss provision to assets | 0.2652% | 331 |
| Net operating income to assets | 1.3192% | 1,551 |
| Return on assets (ROA) | 1.3192% | 1,594 |
| Pretax return on assets | 1.7684% | 980 |
| Return on Equity (ROE) | 15.3571% | 871 |
| Retained earnings to average equity (ytd only) | 15.3277% | 201 |
| Net charge-offs to loans | 0.1334% | 694 |
| Credit loss provision to net charge-offs | 268.0437% | 1,128 |
| Earnings coverage of net charge-offs (x) | 20.5541% | 1,853 |
| Efficiency ratio | 52.7301% | 4,061 |
| Assets per employee ($millions) | 8.3926% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.1914% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 1,479 |
| Loan loss allowance to noncurrent loans | 2,133.4821% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,639 |
| Noncurrent loans to loans | 0.0713% | 3,580 |
| Net loans and leases to total assets | 68.8884% | 1,163 |
| Net loans and leases to deposits | 77.8396% | 1,412 |
| Net loans and leases to core deposits | 78.1510% | 1,748 |
| Total domestic deposits to total assets | 88.5005% | 1,792 |
| Equity capital to assets | 9.9432% | 2,704 |
| Core capital (leverage) ratio | 9.6935% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $831,845,600 | 1,113 |
| Average earning assets | $800,794,600 | 1,089 |
| Average equity | $71,459,000 | 1,325 |
| Average total loans | $617,103,800 | 979 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 1,039 |
| Cost of funding earning assets | 0.0748% | 4,665 |
| Net interest margin | 4.1690% | 580 |
| Noninterest income to average assets | 0.2191% | 4,089 |
| Noninterest expense to average assets | 2.1882% | 3,108 |
| Loan and lease loss provision to assets | 0.3053% | 260 |
| Net operating income to assets | 1.2847% | 1,869 |
| Return on assets (ROA) | 1.2847% | 1,930 |
| Pretax return on assets | 1.7340% | 1,319 |
| Return on Equity (ROE) | 15.6332% | 1,015 |
| Retained earnings to average equity (ytd only) | 15.5914% | 330 |
| Net charge-offs to loans | 0.1307% | 619 |
| Credit loss provision to net charge-offs | 310.1329% | 987 |
| Earnings coverage of net charge-offs (x) | 20.7143% | 1,721 |
| Efficiency ratio | 51.7620% | 4,042 |
| Assets per employee ($millions) | 8.9495% | 907 |
| Cash dividends to net income (ytd only)* | 0.2673% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 1,631 |
| Loan loss allowance to noncurrent loans | 2,510.6383% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 3,879 |
| Noncurrent loans to loans | 0.0598% | 3,803 |
| Net loans and leases to total assets | 67.8774% | 1,338 |
| Net loans and leases to deposits | 74.9668% | 1,766 |
| Net loans and leases to core deposits | 75.2550% | 2,115 |
| Total domestic deposits to total assets | 90.5434% | 537 |
| Equity capital to assets | 7.7965% | 4,613 |
| Core capital (leverage) ratio | 7.9681% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7944% | 2,777 |
| Memoranda: | ||
| Average total assets | $815,304,500 | 1,143 |
| Average earning assets | $783,900,750 | 1,119 |
| Average equity | $67,001,000 | 1,409 |
| Average total loans | $614,334,000 | 1,005 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 1,116 |
| Cost of funding earning assets | 0.0816% | 4,692 |
| Net interest margin | 4.1537% | 635 |
| Noninterest income to average assets | 0.2192% | 4,092 |
| Noninterest expense to average assets | 2.2233% | 3,003 |
| Loan and lease loss provision to assets | 0.2902% | 302 |
| Net operating income to assets | 1.2606% | 1,990 |
| Return on assets (ROA) | 1.2606% | 2,065 |
| Pretax return on assets | 1.6985% | 1,480 |
| Return on Equity (ROE) | 15.0402% | 1,149 |
| Retained earnings to average equity (ytd only) | 14.9761% | 434 |
| Net charge-offs to loans | 0.1470% | 558 |
| Credit loss provision to net charge-offs | 253.5714% | 959 |
| Earnings coverage of net charge-offs (x) | 17.3750% | 1,579 |
| Efficiency ratio | 52.7842% | 3,951 |
| Assets per employee ($millions) | 7.8766% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.4256% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 1,919 |
| Loan loss allowance to noncurrent loans | 1,620.2925% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,766 |
| Noncurrent loans to loans | 0.0872% | 3,746 |
| Net loans and leases to total assets | 76.2720% | 565 |
| Net loans and leases to deposits | 84.9898% | 990 |
| Net loans and leases to core deposits | 85.3602% | 1,465 |
| Total domestic deposits to total assets | 89.7425% | 899 |
| Equity capital to assets | 8.3975% | 4,285 |
| Core capital (leverage) ratio | 8.2853% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $782,788,000 | 1,185 |
| Average earning assets | $752,492,333 | 1,149 |
| Average equity | $65,611,000 | 1,424 |
| Average total loans | $609,424,667 | 1,017 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 1,208 |
| Cost of funding earning assets | 0.0964% | 4,674 |
| Net interest margin | 4.1012% | 719 |
| Noninterest income to average assets | 0.2040% | 4,163 |
| Noninterest expense to average assets | 2.1485% | 3,279 |
| Loan and lease loss provision to assets | 0.3336% | 256 |
| Net operating income to assets | 1.2361% | 2,022 |
| Return on assets (ROA) | 1.2361% | 2,109 |
| Pretax return on assets | 1.6650% | 1,568 |
| Return on Equity (ROE) | 14.7624% | 1,265 |
| Retained earnings to average equity (ytd only) | 14.7624% | 652 |
| Net charge-offs to loans | 0.1699% | 475 |
| Credit loss provision to net charge-offs | 251.3725% | 815 |
| Earnings coverage of net charge-offs (x) | 15.0588% | 1,348 |
| Efficiency ratio | 51.8072% | 4,012 |
| Assets per employee ($millions) | 7.9162% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 2,041 |
| Loan loss allowance to noncurrent loans | 442.2004% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 2,887 |
| Noncurrent loans to loans | 0.3123% | 2,983 |
| Net loans and leases to total assets | 78.7948% | 415 |
| Net loans and leases to deposits | 87.7673% | 846 |
| Net loans and leases to core deposits | 88.2341% | 1,352 |
| Total domestic deposits to total assets | 89.7770% | 920 |
| Equity capital to assets | 8.4522% | 4,149 |
| Core capital (leverage) ratio | 8.4453% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $768,536,500 | 1,188 |
| Average earning assets | $738,900,500 | 1,157 |
| Average equity | $64,352,500 | 1,436 |
| Average total loans | $600,311,500 | 1,033 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6849% | 922 |
| Cost of funding earning assets | 0.2105% | 4,548 |
| Net interest margin | 4.4744% | 344 |
| Noninterest income to average assets | 0.2489% | 3,997 |
| Noninterest expense to average assets | 2.3559% | 3,257 |
| Loan and lease loss provision to assets | 0.5705% | 375 |
| Net operating income to assets | 1.1965% | 1,570 |
| Return on assets (ROA) | 1.1965% | 1,671 |
| Pretax return on assets | 1.6084% | 1,056 |
| Return on Equity (ROE) | 14.4286% | 727 |
| Retained earnings to average equity (ytd only) | 14.4286% | 174 |
| Net charge-offs to loans | 0.4086% | 419 |
| Credit loss provision to net charge-offs | 171.5193% | 2,309 |
| Earnings coverage of net charge-offs (x) | 6.5510% | 2,771 |
| Efficiency ratio | 51.9525% | 4,385 |
| Assets per employee ($millions) | 8.0972% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,941 |
| Loan loss allowance to noncurrent loans | 445.2614% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 3,082 |
| Noncurrent loans to loans | 0.3161% | 3,069 |
| Net loans and leases to total assets | 75.2306% | 878 |
| Net loans and leases to deposits | 87.1368% | 1,163 |
| Net loans and leases to core deposits | 87.6381% | 1,727 |
| Total domestic deposits to total assets | 86.3362% | 2,216 |
| Equity capital to assets | 8.2947% | 4,577 |
| Core capital (leverage) ratio | 8.6088% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $662,960,600 | 1,230 |
| Average earning assets | $635,039,400 | 1,204 |
| Average equity | $54,974,000 | 1,560 |
| Average total loans | $539,585,800 | 1,077 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 1,376 |
| Cost of funding earning assets | 0.2435% | 4,531 |
| Net interest margin | 4.3329% | 551 |
| Noninterest income to average assets | 0.1721% | 4,435 |
| Noninterest expense to average assets | 2.3888% | 3,169 |
| Loan and lease loss provision to assets | 0.6853% | 319 |
| Net operating income to assets | 0.9281% | 2,604 |
| Return on assets (ROA) | 0.9281% | 2,735 |
| Pretax return on assets | 1.2424% | 2,257 |
| Return on Equity (ROE) | 11.1935% | 1,624 |
| Retained earnings to average equity (ytd only) | 11.1935% | 537 |
| Net charge-offs to loans | 0.5088% | 292 |
| Credit loss provision to net charge-offs | 162.4257% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.5693% | 2,810 |
| Efficiency ratio | 55.3416% | 3,998 |
| Assets per employee ($millions) | 8.3376% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 2,190 |
| Loan loss allowance to noncurrent loans | 148.0316% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 1,667 |
| Noncurrent loans to loans | 0.8719% | 1,710 |
| Net loans and leases to total assets | 79.2130% | 685 |
| Net loans and leases to deposits | 95.9372% | 763 |
| Net loans and leases to core deposits | 96.5179% | 1,414 |
| Total domestic deposits to total assets | 82.5676% | 3,262 |
| Equity capital to assets | 7.8490% | 4,762 |
| Core capital (leverage) ratio | 8.4927% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,416,750 | 1,256 |
| Average earning assets | $610,629,500 | 1,226 |
| Average equity | $52,934,000 | 1,597 |
| Average total loans | $529,286,750 | 1,083 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 993 |
| Cost of funding earning assets | 0.2950% | 4,498 |
| Net interest margin | 4.5949% | 417 |
| Noninterest income to average assets | 0.1464% | 4,573 |
| Noninterest expense to average assets | 2.5993% | 2,669 |
| Loan and lease loss provision to assets | 0.8353% | 284 |
| Net operating income to assets | 0.7969% | 3,055 |
| Return on assets (ROA) | 0.7969% | 3,170 |
| Pretax return on assets | 1.0901% | 2,737 |
| Return on Equity (ROE) | 9.3991% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.3991% | 912 |
| Net charge-offs to loans | 0.6711% | 236 |
| Credit loss provision to net charge-offs | 148.1328% | 2,139 |
| Earnings coverage of net charge-offs (x) | 3.4143% | 2,680 |
| Efficiency ratio | 57.4468% | 3,761 |
| Assets per employee ($millions) | 7.5800% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,255 |
| Loan loss allowance to noncurrent loans | 527.7778% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 3,555 |
| Noncurrent loans to loans | 0.2368% | 3,527 |
| Net loans and leases to total assets | 81.3199% | 469 |
| Net loans and leases to deposits | 99.5981% | 579 |
| Net loans and leases to core deposits | 100.3095% | 1,241 |
| Total domestic deposits to total assets | 81.6481% | 3,459 |
| Equity capital to assets | 7.9742% | 4,730 |
| Core capital (leverage) ratio | 8.9463% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,314,000 | 1,299 |
| Average earning assets | $570,106,667 | 1,269 |
| Average equity | $50,728,000 | 1,646 |
| Average total loans | $502,759,667 | 1,112 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4734% | 393 |
| Cost of funding earning assets | 0.4318% | 4,231 |
| Net interest margin | 5.0416% | 176 |
| Noninterest income to average assets | 0.1861% | 4,434 |
| Noninterest expense to average assets | 2.9191% | 2,073 |
| Loan and lease loss provision to assets | 1.0688% | 194 |
| Net operating income to assets | 0.7227% | 3,192 |
| Return on assets (ROA) | 0.7227% | 3,279 |
| Pretax return on assets | 0.9773% | 2,908 |
| Return on Equity (ROE) | 8.1974% | 2,429 |
| Retained earnings to average equity (ytd only) | 8.1974% | 1,171 |
| Net charge-offs to loans | 0.8671% | 170 |
| Credit loss provision to net charge-offs | 144.7581% | 1,601 |
| Earnings coverage of net charge-offs (x) | 2.7712% | 2,258 |
| Efficiency ratio | 58.7918% | 3,900 |
| Assets per employee ($millions) | 5.9733% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,366 |
| Loan loss allowance to noncurrent loans | 1,011.7816% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,020 |
| Noncurrent loans to loans | 0.1477% | 3,930 |
| Net loans and leases to total assets | 81.8017% | 457 |
| Net loans and leases to deposits | 92.8810% | 1,193 |
| Net loans and leases to core deposits | 94.0035% | 1,978 |
| Total domestic deposits to total assets | 88.0715% | 1,080 |
| Equity capital to assets | 8.4474% | 4,853 |
| Core capital (leverage) ratio | 9.0997% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $537,421,500 | 1,381 |
| Average earning assets | $509,442,500 | 1,353 |
| Average equity | $47,381,000 | 1,746 |
| Average total loans | $457,642,500 | 1,167 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1047% | 193 |
| Cost of funding earning assets | 0.7092% | 3,121 |
| Net interest margin | 5.3955% | 131 |
| Noninterest income to average assets | 0.3676% | 3,501 |
| Noninterest expense to average assets | 3.2081% | 1,502 |
| Loan and lease loss provision to assets | 0.6440% | 180 |
| Net operating income to assets | 1.2043% | 2,040 |
| Return on assets (ROA) | 1.2043% | 2,133 |
| Pretax return on assets | 1.6089% | 1,461 |
| Return on Equity (ROE) | 12.8700% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.8700% | 174 |
| Net charge-offs to loans | 0.3906% | 498 |
| Credit loss provision to net charge-offs | 194.8768% | 1,356 |
| Earnings coverage of net charge-offs (x) | 6.8171% | 2,931 |
| Efficiency ratio | 58.7457% | 3,875 |
| Assets per employee ($millions) | 5.4557% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,271 |
| Loan loss allowance to noncurrent loans | 1,129.7945% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 4,059 |
| Noncurrent loans to loans | 0.1315% | 3,992 |
| Net loans and leases to total assets | 86.2176% | 151 |
| Net loans and leases to deposits | 97.4908% | 796 |
| Net loans and leases to core deposits | 99.1898% | 1,631 |
| Total domestic deposits to total assets | 88.4366% | 923 |
| Equity capital to assets | 9.2290% | 4,547 |
| Core capital (leverage) ratio | 9.3884% | 4,180 |
| Tier 1 risk-based capital ratio | 9.7933% | 5,139 |
| Total risk-based capital ratio | 11.0451% | 5,112 |
| Memoranda: | ||
| Average total assets | $466,595,000 | 1,506 |
| Average earning assets | $440,481,400 | 1,481 |
| Average equity | $43,659,800 | 1,801 |
| Average total loans | $394,809,600 | 1,281 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0951% | 206 |
| Cost of funding earning assets | 0.7636% | 2,902 |
| Net interest margin | 5.3316% | 159 |
| Noninterest income to average assets | 0.4289% | 3,153 |
| Noninterest expense to average assets | 3.1191% | 1,672 |
| Loan and lease loss provision to assets | 0.6237% | 178 |
| Net operating income to assets | 1.2395% | 2,055 |
| Return on assets (ROA) | 1.2395% | 2,136 |
| Pretax return on assets | 1.7081% | 1,319 |
| Return on Equity (ROE) | 13.1967% | 1,204 |
| Retained earnings to average equity (ytd only) | 13.1967% | 263 |
| Net charge-offs to loans | 0.3440% | 491 |
| Credit loss provision to net charge-offs | 216.3121% | 1,237 |
| Earnings coverage of net charge-offs (x) | 8.0871% | 2,688 |
| Efficiency ratio | 57.2217% | 4,039 |
| Assets per employee ($millions) | 5.6029% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,293 |
| Loan loss allowance to noncurrent loans | 730.5814% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 3,888 |
| Noncurrent loans to loans | 0.2029% | 3,815 |
| Net loans and leases to total assets | 83.7421% | 380 |
| Net loans and leases to deposits | 94.8794% | 1,136 |
| Net loans and leases to core deposits | 98.0451% | 1,823 |
| Total domestic deposits to total assets | 88.2616% | 932 |
| Equity capital to assets | 9.0980% | 4,730 |
| Core capital (leverage) ratio | 9.7861% | 3,874 |
| Tier 1 risk-based capital ratio | 9.9638% | 5,194 |
| Total risk-based capital ratio | 11.2157% | 5,143 |
| Memoranda: | ||
| Average total assets | $456,399,250 | 1,539 |
| Average earning assets | $429,907,500 | 1,518 |
| Average equity | $42,868,250 | 1,832 |
| Average total loans | $382,500,250 | 1,324 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1114% | 198 |
| Cost of funding earning assets | 0.7885% | 2,699 |
| Net interest margin | 5.3229% | 162 |
| Noninterest income to average assets | 0.4807% | 2,779 |
| Noninterest expense to average assets | 3.1878% | 1,536 |
| Loan and lease loss provision to assets | 0.6932% | 151 |
| Net operating income to assets | 1.1716% | 2,251 |
| Return on assets (ROA) | 1.1716% | 2,328 |
| Pretax return on assets | 1.6115% | 1,511 |
| Return on Equity (ROE) | 12.3278% | 1,464 |
| Retained earnings to average equity (ytd only) | 12.3278% | 370 |
| Net charge-offs to loans | 0.3607% | 462 |
| Credit loss provision to net charge-offs | 230.5263% | 1,092 |
| Earnings coverage of net charge-offs (x) | 7.6647% | 2,472 |
| Efficiency ratio | 58.0390% | 4,004 |
| Assets per employee ($millions) | 5.2480% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,219 |
| Loan loss allowance to noncurrent loans | 715.3754% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 3,855 |
| Noncurrent loans to loans | 0.2120% | 3,779 |
| Net loans and leases to total assets | 84.3853% | 329 |
| Net loans and leases to deposits | 95.2962% | 1,116 |
| Net loans and leases to core deposits | 96.9132% | 1,985 |
| Total domestic deposits to total assets | 88.5505% | 857 |
| Equity capital to assets | 9.4347% | 4,466 |
| Core capital (leverage) ratio | 9.8448% | 3,766 |
| Tier 1 risk-based capital ratio | 10.1800% | 5,199 |
| Total risk-based capital ratio | 11.4319% | 5,127 |
| Memoranda: | ||
| Average total assets | $442,312,000 | 1,587 |
| Average earning assets | $416,465,330 | 1,566 |
| Average equity | $42,035,000 | 1,859 |
| Average total loans | $368,709,670 | 1,377 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0604% | 202 |
| Cost of funding earning assets | 0.7603% | 2,734 |
| Net interest margin | 5.3001% | 171 |
| Noninterest income to average assets | 0.2330% | 4,344 |
| Noninterest expense to average assets | 3.1173% | 1,694 |
| Loan and lease loss provision to assets | 0.5271% | 202 |
| Net operating income to assets | 1.1430% | 2,301 |
| Return on assets (ROA) | 1.1430% | 2,347 |
| Pretax return on assets | 1.5591% | 1,580 |
| Return on Equity (ROE) | 11.9807% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.9807% | 614 |
| Net charge-offs to loans | 0.2646% | 554 |
| Credit loss provision to net charge-offs | 242.5532% | 942 |
| Earnings coverage of net charge-offs (x) | 9.6000% | 2,011 |
| Efficiency ratio | 59.9076% | 3,814 |
| Assets per employee ($millions) | 5.2168% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 1,319 |
| Loan loss allowance to noncurrent loans | 508.8372% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,136 |
| Noncurrent loans to loans | 0.2960% | 3,509 |
| Net loans and leases to total assets | 79.7330% | 874 |
| Net loans and leases to deposits | 89.3537% | 1,707 |
| Net loans and leases to core deposits | 92.5005% | 2,256 |
| Total domestic deposits to total assets | 89.2330% | 750 |
| Equity capital to assets | 9.3547% | 4,381 |
| Core capital (leverage) ratio | 10.1563% | 3,432 |
| Tier 1 risk-based capital ratio | 10.5149% | 5,174 |
| Total risk-based capital ratio | 11.7665% | 5,080 |
| Memoranda: | ||
| Average total assets | $432,554,500 | 1,623 |
| Average earning assets | $405,650,500 | 1,612 |
| Average equity | $41,266,500 | 1,883 |
| Average total loans | $355,206,500 | 1,419 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1021% | 143 |
| Cost of funding earning assets | 0.5893% | 2,795 |
| Net interest margin | 5.5128% | 108 |
| Noninterest income to average assets | 0.4322% | 3,225 |
| Noninterest expense to average assets | 2.9425% | 2,209 |
| Loan and lease loss provision to assets | 0.5700% | 196 |
| Net operating income to assets | 1.5156% | 1,082 |
| Return on assets (ROA) | 1.5156% | 1,065 |
| Pretax return on assets | 2.0379% | 513 |
| Return on Equity (ROE) | 15.4759% | 729 |
| Retained earnings to average equity (ytd only) | 15.4759% | 96 |
| Net charge-offs to loans | 0.3394% | 565 |
| Credit loss provision to net charge-offs | 202.5234% | 1,420 |
| Earnings coverage of net charge-offs (x) | 9.2664% | 2,821 |
| Efficiency ratio | 53.0139% | 4,716 |
| Assets per employee ($millions) | 5.5529% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 1,356 |
| Loan loss allowance to noncurrent loans | 332.7933% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 2,506 |
| Noncurrent loans to loans | 0.4444% | 2,946 |
| Net loans and leases to total assets | 82.1415% | 628 |
| Net loans and leases to deposits | 92.1078% | 1,538 |
| Net loans and leases to core deposits | 93.4374% | 2,276 |
| Total domestic deposits to total assets | 89.1797% | 787 |
| Equity capital to assets | 9.7400% | 3,922 |
| Core capital (leverage) ratio | 10.0655% | 3,502 |
| Tier 1 risk-based capital ratio | 10.7112% | 5,107 |
| Total risk-based capital ratio | 11.9629% | 4,996 |
| Memoranda: | ||
| Average total assets | $380,191,400 | 1,798 |
| Average earning assets | $352,979,600 | 1,796 |
| Average equity | $37,232,000 | 1,975 |
| Average total loans | $315,263,400 | 1,534 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9942% | 153 |
| Cost of funding earning assets | 0.5583% | 2,800 |
| Net interest margin | 5.4359% | 118 |
| Noninterest income to average assets | 0.4419% | 3,223 |
| Noninterest expense to average assets | 2.9697% | 2,114 |
| Loan and lease loss provision to assets | 0.6230% | 165 |
| Net operating income to assets | 1.3616% | 1,612 |
| Return on assets (ROA) | 1.3616% | 1,620 |
| Pretax return on assets | 1.8930% | 830 |
| Return on Equity (ROE) | 13.8828% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.8828% | 267 |
| Net charge-offs to loans | 0.3684% | 441 |
| Credit loss provision to net charge-offs | 204.2403% | 1,357 |
| Earnings coverage of net charge-offs (x) | 8.2485% | 2,733 |
| Efficiency ratio | 54.1358% | 4,601 |
| Assets per employee ($millions) | 5.5223% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,361 |
| Loan loss allowance to noncurrent loans | 296.3164% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 2,307 |
| Noncurrent loans to loans | 0.5047% | 2,874 |
| Net loans and leases to total assets | 81.2830% | 834 |
| Net loans and leases to deposits | 91.0725% | 1,748 |
| Net loans and leases to core deposits | 92.4464% | 2,434 |
| Total domestic deposits to total assets | 89.2509% | 753 |
| Equity capital to assets | 9.6638% | 3,945 |
| Core capital (leverage) ratio | 9.8641% | 3,782 |
| Tier 1 risk-based capital ratio | 10.6129% | 5,203 |
| Total risk-based capital ratio | 11.8647% | 5,117 |
| Memoranda: | ||
| Average total assets | $371,122,250 | 1,836 |
| Average earning assets | $344,344,000 | 1,839 |
| Average equity | $36,399,000 | 2,013 |
| Average total loans | $307,272,250 | 1,570 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9153% | 156 |
| Cost of funding earning assets | 0.5051% | 2,974 |
| Net interest margin | 5.4102% | 124 |
| Noninterest income to average assets | 0.4322% | 3,275 |
| Noninterest expense to average assets | 2.9937% | 2,053 |
| Loan and lease loss provision to assets | 0.6315% | 156 |
| Net operating income to assets | 1.3172% | 1,707 |
| Return on assets (ROA) | 1.3172% | 1,707 |
| Pretax return on assets | 1.8328% | 899 |
| Return on Equity (ROE) | 13.3580% | 1,250 |
| Retained earnings to average equity (ytd only) | 13.3580% | 333 |
| Net charge-offs to loans | 0.3117% | 514 |
| Credit loss provision to net charge-offs | 244.4444% | 1,158 |
| Earnings coverage of net charge-offs (x) | 9.5385% | 2,385 |
| Efficiency ratio | 54.8498% | 4,599 |
| Assets per employee ($millions) | 5.4644% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,460 |
| Loan loss allowance to noncurrent loans | 269.6000% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6217% | 2,356 |
| Noncurrent loans to loans | 0.5490% | 2,767 |
| Net loans and leases to total assets | 82.0960% | 700 |
| Net loans and leases to deposits | 91.9144% | 1,595 |
| Net loans and leases to core deposits | 94.5360% | 2,182 |
| Total domestic deposits to total assets | 89.3178% | 806 |
| Equity capital to assets | 9.6600% | 3,957 |
| Core capital (leverage) ratio | 9.8553% | 3,731 |
| Tier 1 risk-based capital ratio | 10.6730% | 5,200 |
| Total risk-based capital ratio | 11.9247% | 5,096 |
| Memoranda: | ||
| Average total assets | $362,294,000 | 1,876 |
| Average earning assets | $336,550,670 | 1,883 |
| Average equity | $35,724,000 | 2,051 |
| Average total loans | $300,331,670 | 1,602 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 176 |
| Cost of funding earning assets | 0.4010% | 3,577 |
| Net interest margin | 5.4189% | 121 |
| Noninterest income to average assets | 0.4464% | 3,139 |
| Noninterest expense to average assets | 2.9814% | 2,111 |
| Loan and lease loss provision to assets | 0.6974% | 140 |
| Net operating income to assets | 1.3061% | 1,623 |
| Return on assets (ROA) | 1.3061% | 1,628 |
| Pretax return on assets | 1.8172% | 881 |
| Return on Equity (ROE) | 13.1013% | 1,234 |
| Retained earnings to average equity (ytd only) | 13.1013% | 506 |
| Net charge-offs to loans | 0.3325% | 459 |
| Credit loss provision to net charge-offs | 253.7190% | 902 |
| Earnings coverage of net charge-offs (x) | 9.1488% | 1,983 |
| Efficiency ratio | 54.2467% | 4,774 |
| Assets per employee ($millions) | 5.3433% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 1,597 |
| Loan loss allowance to noncurrent loans | 1,439.0879% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 3,851 |
| Noncurrent loans to loans | 0.1018% | 4,515 |
| Net loans and leases to total assets | 80.6343% | 848 |
| Net loans and leases to deposits | 90.4249% | 1,639 |
| Net loans and leases to core deposits | 111.0170% | 948 |
| Total domestic deposits to total assets | 89.1727% | 1,016 |
| Equity capital to assets | 9.6798% | 3,908 |
| Core capital (leverage) ratio | 10.1059% | 3,421 |
| Tier 1 risk-based capital ratio | 10.7157% | 5,276 |
| Total risk-based capital ratio | 11.9670% | 5,170 |
| Memoranda: | ||
| Average total assets | $352,188,000 | 1,945 |
| Average earning assets | $328,186,000 | 1,931 |
| Average equity | $35,111,000 | 2,093 |
| Average total loans | $291,127,500 | 1,649 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6689% | 204 |
| Cost of funding earning assets | 0.2341% | 4,694 |
| Net interest margin | 5.4348% | 118 |
| Noninterest income to average assets | 0.4080% | 3,579 |
| Noninterest expense to average assets | 2.8071% | 2,742 |
| Loan and lease loss provision to assets | 0.7302% | 167 |
| Net operating income to assets | 1.0514% | 2,044 |
| Return on assets (ROA) | 1.0514% | 2,073 |
| Pretax return on assets | 1.8962% | 606 |
| Return on Equity (ROE) | 10.4520% | 1,693 |
| Retained earnings to average equity (ytd only) | 10.4520% | 289 |
| Net charge-offs to loans | 0.6250% | 363 |
| Credit loss provision to net charge-offs | 142.5891% | 1,861 |
| Earnings coverage of net charge-offs (x) | 5.1288% | 3,371 |
| Efficiency ratio | 51.6621% | 5,125 |
| Assets per employee ($millions) | 5.7877% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,607 |
| Loan loss allowance to noncurrent loans | 1,037.4359% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 3,672 |
| Noncurrent loans to loans | 0.1390% | 4,369 |
| Net loans and leases to total assets | 82.3688% | 629 |
| Net loans and leases to deposits | 92.6262% | 1,434 |
| Net loans and leases to core deposits | 112.6882% | 858 |
| Total domestic deposits to total assets | 88.9261% | 1,035 |
| Equity capital to assets | 10.2875% | 3,397 |
| Core capital (leverage) ratio | 10.1474% | 3,247 |
| Tier 1 risk-based capital ratio | 11.6478% | 4,757 |
| Total risk-based capital ratio | 12.8995% | 4,641 |
| Memoranda: | ||
| Average total assets | $312,248,600 | 2,104 |
| Average earning assets | $288,731,600 | 2,107 |
| Average equity | $31,410,400 | 2,262 |
| Average total loans | $255,832,600 | 1,782 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6104% | 216 |
| Cost of funding earning assets | 0.2207% | 4,804 |
| Net interest margin | 5.3897% | 126 |
| Noninterest income to average assets | 0.4326% | 3,453 |
| Noninterest expense to average assets | 2.7289% | 2,961 |
| Loan and lease loss provision to assets | 0.7694% | 143 |
| Net operating income to assets | 1.1649% | 1,824 |
| Return on assets (ROA) | 1.1649% | 1,869 |
| Pretax return on assets | 1.9082% | 672 |
| Return on Equity (ROE) | 11.6529% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.6529% | 326 |
| Net charge-offs to loans | 0.6361% | 313 |
| Credit loss provision to net charge-offs | 148.4467% | 1,705 |
| Earnings coverage of net charge-offs (x) | 5.1662% | 3,140 |
| Efficiency ratio | 50.4749% | 5,214 |
| Assets per employee ($millions) | 6.0874% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,703 |
| Loan loss allowance to noncurrent loans | 774.6562% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 3,643 |
| Noncurrent loans to loans | 0.1870% | 4,323 |
| Net loans and leases to total assets | 80.1352% | 969 |
| Net loans and leases to deposits | 90.1594% | 1,788 |
| Net loans and leases to core deposits | 104.7274% | 1,347 |
| Total domestic deposits to total assets | 88.8817% | 936 |
| Equity capital to assets | 10.0415% | 3,868 |
| Core capital (leverage) ratio | 10.3117% | 3,186 |
| Tier 1 risk-based capital ratio | 11.6314% | 4,863 |
| Total risk-based capital ratio | 12.8831% | 4,750 |
| Memoranda: | ||
| Average total assets | $306,388,500 | 2,148 |
| Average earning assets | $282,755,750 | 2,159 |
| Average equity | $30,629,500 | 2,331 |
| Average total loans | $249,653,500 | 1,829 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5174% | 239 |
| Cost of funding earning assets | 0.1951% | 5,030 |
| Net interest margin | 5.3223% | 138 |
| Noninterest income to average assets | 0.4931% | 3,062 |
| Noninterest expense to average assets | 2.7382% | 2,963 |
| Loan and lease loss provision to assets | 0.7598% | 138 |
| Net operating income to assets | 1.1606% | 1,736 |
| Return on assets (ROA) | 1.1606% | 1,775 |
| Pretax return on assets | 1.9016% | 647 |
| Return on Equity (ROE) | 11.6291% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.6291% | 358 |
| Net charge-offs to loans | 0.5427% | 356 |
| Credit loss provision to net charge-offs | 171.6895% | 1,398 |
| Earnings coverage of net charge-offs (x) | 6.0137% | 2,756 |
| Efficiency ratio | 50.7111% | 5,262 |
| Assets per employee ($millions) | 5.8133% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,630 |
| Loan loss allowance to noncurrent loans | 1,076.7507% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.3233% | 3,828 |
| Noncurrent loans to loans | 0.1379% | 4,564 |
| Net loans and leases to total assets | 81.2587% | 778 |
| Net loans and leases to deposits | 91.8600% | 1,513 |
| Net loans and leases to core deposits | 108.8186% | 1,062 |
| Total domestic deposits to total assets | 88.4594% | 1,225 |
| Equity capital to assets | 10.3996% | 3,457 |
| Core capital (leverage) ratio | 10.9126% | 2,487 |
| Tier 1 risk-based capital ratio | 11.9188% | 4,686 |
| Total risk-based capital ratio | 13.1709% | 4,584 |
| Memoranda: | ||
| Average total assets | $296,915,000 | 2,207 |
| Average earning assets | $273,716,000 | 2,211 |
| Average equity | $29,632,670 | 2,396 |
| Average total loans | $242,123,670 | 1,869 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 268 |
| Cost of funding earning assets | 0.1946% | 5,027 |
| Net interest margin | 5.2131% | 154 |
| Noninterest income to average assets | 0.5090% | 2,914 |
| Noninterest expense to average assets | 2.8085% | 2,767 |
| Loan and lease loss provision to assets | 0.7683% | 129 |
| Net operating income to assets | 1.0568% | 2,043 |
| Return on assets (ROA) | 1.0568% | 2,087 |
| Pretax return on assets | 1.7253% | 950 |
| Return on Equity (ROE) | 10.8369% | 1,625 |
| Retained earnings to average equity (ytd only) | 10.8369% | 637 |
| Net charge-offs to loans | 0.7342% | 237 |
| Credit loss provision to net charge-offs | 129.1375% | 1,321 |
| Earnings coverage of net charge-offs (x) | 4.1911% | 2,408 |
| Efficiency ratio | 52.9689% | 5,208 |
| Assets per employee ($millions) | 5.8966% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,781 |
| Loan loss allowance to noncurrent loans | 1,089.4081% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.3321% | 3,869 |
| Noncurrent loans to loans | 0.1354% | 4,649 |
| Net loans and leases to total assets | 79.2322% | 944 |
| Net loans and leases to deposits | 89.8946% | 1,549 |
| Net loans and leases to core deposits | 104.8737% | 1,165 |
| Total domestic deposits to total assets | 88.1390% | 1,635 |
| Equity capital to assets | 10.6366% | 3,032 |
| Core capital (leverage) ratio | 11.1994% | 2,189 |
| Tier 1 risk-based capital ratio | 12.3771% | 4,461 |
| Total risk-based capital ratio | 13.6289% | 4,369 |
| Memoranda: | ||
| Average total assets | $288,414,000 | 2,267 |
| Average earning assets | $265,176,000 | 2,281 |
| Average equity | $28,126,000 | 2,504 |
| Average total loans | $233,721,000 | 1,934 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 312 |
| Cost of funding earning assets | 0.1753% | 5,250 |
| Net interest margin | 5.1954% | 174 |
| Noninterest income to average assets | 0.3742% | 4,068 |
| Noninterest expense to average assets | 2.8054% | 3,003 |
| Loan and lease loss provision to assets | 0.5339% | 258 |
| Net operating income to assets | 1.1032% | 1,893 |
| Return on assets (ROA) | 1.1037% | 1,977 |
| Pretax return on assets | 1.7783% | 844 |
| Return on Equity (ROE) | 12.2733% | 1,178 |
| Retained earnings to average equity (ytd only) | 12.2733% | 205 |
| Net charge-offs to loans | 0.3776% | 717 |
| Credit loss provision to net charge-offs | 176.5985% | 1,583 |
| Earnings coverage of net charge-offs (x) | 7.6458% | 2,984 |
| Efficiency ratio | 54.8277% | 5,168 |
| Assets per employee ($millions) | 5.8749% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,811 |
| Loan loss allowance to noncurrent loans | 729.1577% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 3,680 |
| Noncurrent loans to loans | 0.2010% | 4,440 |
| Net loans and leases to total assets | 80.4860% | 815 |
| Net loans and leases to deposits | 89.4603% | 1,743 |
| Net loans and leases to core deposits | 100.2451% | 1,602 |
| Total domestic deposits to total assets | 89.9683% | 642 |
| Equity capital to assets | 8.8270% | 4,987 |
| Core capital (leverage) ratio | 9.3381% | 4,302 |
| Tier 1 risk-based capital ratio | 10.2226% | 5,677 |
| Total risk-based capital ratio | 11.4744% | 5,627 |
| Memoranda: | ||
| Average total assets | $258,678,800 | 2,449 |
| Average earning assets | $236,130,400 | 2,469 |
| Average equity | $23,261,800 | 2,865 |
| Average total loans | $207,103,600 | 2,064 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 327 |
| Cost of funding earning assets | 0.1769% | 5,289 |
| Net interest margin | 5.1827% | 178 |
| Noninterest income to average assets | 0.3649% | 4,168 |
| Noninterest expense to average assets | 2.8005% | 3,008 |
| Loan and lease loss provision to assets | 0.5110% | 239 |
| Net operating income to assets | 1.1093% | 1,956 |
| Return on assets (ROA) | 1.1100% | 2,057 |
| Pretax return on assets | 1.7828% | 926 |
| Return on Equity (ROE) | 12.2804% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.2804% | 270 |
| Net charge-offs to loans | 0.4021% | 534 |
| Credit loss provision to net charge-offs | 159.6376% | 1,706 |
| Earnings coverage of net charge-offs (x) | 7.1631% | 2,908 |
| Efficiency ratio | 54.9850% | 5,160 |
| Assets per employee ($millions) | 5.5643% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,882 |
| Loan loss allowance to noncurrent loans | 1,009.9678% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 3,967 |
| Noncurrent loans to loans | 0.1456% | 4,762 |
| Net loans and leases to total assets | 78.7770% | 1,069 |
| Net loans and leases to deposits | 88.6060% | 1,940 |
| Net loans and leases to core deposits | 99.6788% | 1,667 |
| Total domestic deposits to total assets | 88.9070% | 954 |
| Equity capital to assets | 9.0218% | 5,156 |
| Core capital (leverage) ratio | 9.2922% | 4,467 |
| Tier 1 risk-based capital ratio | 10.6360% | 5,557 |
| Total risk-based capital ratio | 11.8880% | 5,473 |
| Memoranda: | ||
| Average total assets | $252,849,250 | 2,489 |
| Average earning assets | $230,682,750 | 2,519 |
| Average equity | $22,854,250 | 2,930 |
| Average total loans | $201,293,500 | 2,113 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 315 |
| Cost of funding earning assets | 0.1802% | 5,317 |
| Net interest margin | 5.1909% | 172 |
| Noninterest income to average assets | 0.2991% | 4,646 |
| Noninterest expense to average assets | 2.8343% | 2,898 |
| Loan and lease loss provision to assets | 0.5731% | 203 |
| Net operating income to assets | 1.0179% | 2,310 |
| Return on assets (ROA) | 1.0189% | 2,438 |
| Pretax return on assets | 1.6074% | 1,357 |
| Return on Equity (ROE) | 11.2654% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.2654% | 408 |
| Net charge-offs to loans | 0.4564% | 491 |
| Credit loss provision to net charge-offs | 158.0000% | 1,536 |
| Earnings coverage of net charge-offs (x) | 6.0067% | 2,790 |
| Efficiency ratio | 56.5364% | 5,077 |
| Assets per employee ($millions) | 5.5839% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,025 |
| Loan loss allowance to noncurrent loans | 8,480.5556% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 4,443 |
| Noncurrent loans to loans | 0.0172% | 5,409 |
| Net loans and leases to total assets | 78.5374% | 1,131 |
| Net loans and leases to deposits | 88.5617% | 1,911 |
| Net loans and leases to core deposits | 107.1585% | 1,086 |
| Total domestic deposits to total assets | 88.6809% | 1,073 |
| Equity capital to assets | 8.8393% | 5,373 |
| Core capital (leverage) ratio | 9.2372% | 4,533 |
| Tier 1 risk-based capital ratio | 10.4595% | 5,685 |
| Total risk-based capital ratio | 11.7115% | 5,605 |
| Memoranda: | ||
| Average total assets | $248,103,330 | 2,547 |
| Average earning assets | $225,315,330 | 2,572 |
| Average equity | $22,440,330 | 2,976 |
| Average total loans | $197,210,000 | 2,149 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3619% | 313 |
| Cost of funding earning assets | 0.1769% | 5,400 |
| Net interest margin | 5.1849% | 183 |
| Noninterest income to average assets | 0.1976% | 5,323 |
| Noninterest expense to average assets | 2.9352% | 2,588 |
| Loan and lease loss provision to assets | 0.4466% | 291 |
| Net operating income to assets | 0.9629% | 2,449 |
| Return on assets (ROA) | 0.9629% | 2,563 |
| Pretax return on assets | 1.4859% | 1,639 |
| Return on Equity (ROE) | 10.5161% | 1,777 |
| Retained earnings to average equity (ytd only) | 10.5161% | 739 |
| Net charge-offs to loans | 0.5376% | 404 |
| Credit loss provision to net charge-offs | 104.6693% | 1,567 |
| Earnings coverage of net charge-offs (x) | 4.5292% | 2,419 |
| Efficiency ratio | 60.3001% | 4,705 |
| Assets per employee ($millions) | 5.3383% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 2,267 |
| Loan loss allowance to noncurrent loans | 6,836.5854% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 4,424 |
| Noncurrent loans to loans | 0.0210% | 5,418 |
| Net loans and leases to total assets | 78.3721% | 1,050 |
| Net loans and leases to deposits | 88.2508% | 1,803 |
| Net loans and leases to core deposits | 100.6448% | 1,434 |
| Total domestic deposits to total assets | 88.8061% | 1,204 |
| Equity capital to assets | 9.1093% | 5,073 |
| Core capital (leverage) ratio | 9.6512% | 3,967 |
| Tier 1 risk-based capital ratio | 10.5962% | 5,713 |
| Total risk-based capital ratio | 11.8477% | 5,616 |
| Memoranda: | ||
| Average total assets | $240,934,000 | 2,614 |
| Average earning assets | $217,013,000 | 2,656 |
| Average equity | $22,061,500 | 3,018 |
| Average total loans | $191,231,000 | 2,197 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7221% | 194 |
| Cost of funding earning assets | 0.1708% | 5,527 |
| Net interest margin | 5.5514% | 113 |
| Noninterest income to average assets | 0.6328% | 2,549 |
| Noninterest expense to average assets | 3.0250% | 2,462 |
| Loan and lease loss provision to assets | 0.4573% | 262 |
| Net operating income to assets | 1.3175% | 1,230 |
| Return on assets (ROA) | 1.3175% | 1,273 |
| Pretax return on assets | 2.1215% | 406 |
| Return on Equity (ROE) | 14.3065% | 796 |
| Retained earnings to average equity (ytd only) | 14.3065% | 154 |
| Net charge-offs to loans | 0.2430% | 1,234 |
| Credit loss provision to net charge-offs | 234.2365% | 1,221 |
| Earnings coverage of net charge-offs (x) | 13.2094% | 2,388 |
| Efficiency ratio | 53.9815% | 5,522 |
| Assets per employee ($millions) | 5.3706% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 2,038 |
| Loan loss allowance to noncurrent loans | 2,518.9189% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 4,281 |
| Noncurrent loans to loans | 0.0593% | 5,282 |
| Net loans and leases to total assets | 78.0390% | 1,112 |
| Net loans and leases to deposits | 87.9449% | 1,882 |
| Net loans and leases to core deposits | 94.3298% | 2,023 |
| Total domestic deposits to total assets | 88.7362% | 1,263 |
| Equity capital to assets | 9.2059% | 4,898 |
| Core capital (leverage) ratio | 9.4109% | 4,305 |
| Tier 1 risk-based capital ratio | 10.6327% | 5,710 |
| Total risk-based capital ratio | 11.8844% | 5,629 |
| Memoranda: | ||
| Average total assets | $207,964,600 | 2,873 |
| Average earning assets | $186,224,800 | 2,928 |
| Average equity | $19,152,200 | 3,251 |
| Average total loans | $167,107,600 | 2,381 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7056% | 195 |
| Cost of funding earning assets | 0.1659% | 5,663 |
| Net interest margin | 5.5398% | 115 |
| Noninterest income to average assets | 0.6617% | 2,421 |
| Noninterest expense to average assets | 2.9828% | 2,581 |
| Loan and lease loss provision to assets | 0.4354% | 258 |
| Net operating income to assets | 1.3892% | 1,134 |
| Return on assets (ROA) | 1.3892% | 1,183 |
| Pretax return on assets | 2.2315% | 383 |
| Return on Equity (ROE) | 15.0829% | 714 |
| Retained earnings to average equity (ytd only) | 15.0829% | 161 |
| Net charge-offs to loans | 0.1456% | 1,670 |
| Credit loss provision to net charge-offs | 370.6215% | 806 |
| Earnings coverage of net charge-offs (x) | 22.7010% | 1,767 |
| Efficiency ratio | 52.7961% | 5,596 |
| Assets per employee ($millions) | 5.3183% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 2,154 |
| Loan loss allowance to noncurrent loans | 4,878.5714% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 4,545 |
| Noncurrent loans to loans | 0.0308% | 5,497 |
| Net loans and leases to total assets | 76.5674% | 1,307 |
| Net loans and leases to deposits | 85.9219% | 2,150 |
| Net loans and leases to core deposits | 89.4697% | 2,515 |
| Total domestic deposits to total assets | 89.1127% | 969 |
| Equity capital to assets | 8.7942% | 5,495 |
| Core capital (leverage) ratio | 9.4953% | 4,308 |
| Tier 1 risk-based capital ratio | 10.2869% | 5,951 |
| Total risk-based capital ratio | 11.5385% | 5,889 |
| Memoranda: | ||
| Average total assets | $200,879,500 | 2,961 |
| Average earning assets | $180,869,250 | 3,013 |
| Average equity | $18,501,750 | 3,341 |
| Average total loans | $162,083,000 | 2,452 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7542% | 175 |
| Cost of funding earning assets | 0.1626% | 5,757 |
| Net interest margin | 5.5917% | 110 |
| Noninterest income to average assets | 0.6437% | 2,511 |
| Noninterest expense to average assets | 2.9994% | 2,555 |
| Loan and lease loss provision to assets | 0.3698% | 344 |
| Net operating income to assets | 1.4623% | 963 |
| Return on assets (ROA) | 1.4623% | 1,012 |
| Pretax return on assets | 2.3473% | 315 |
| Return on Equity (ROE) | 15.5873% | 657 |
| Retained earnings to average equity (ytd only) | 15.5873% | 166 |
| Net charge-offs to loans | 0.1183% | 1,821 |
| Credit loss provision to net charge-offs | 381.5217% | 772 |
| Earnings coverage of net charge-offs (x) | 28.0326% | 1,434 |
| Efficiency ratio | 52.4696% | 5,678 |
| Assets per employee ($millions) | 5.1055% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 2,103 |
| Loan loss allowance to noncurrent loans | 4,572.7273% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 4,459 |
| Noncurrent loans to loans | 0.0337% | 5,615 |
| Net loans and leases to total assets | 80.6050% | 724 |
| Net loans and leases to deposits | 91.1515% | 1,465 |
| Net loans and leases to core deposits | 98.5551% | 1,609 |
| Total domestic deposits to total assets | 88.4297% | 1,430 |
| Equity capital to assets | 9.5358% | 4,606 |
| Core capital (leverage) ratio | 9.9613% | 3,662 |
| Tier 1 risk-based capital ratio | 10.6064% | 5,880 |
| Total risk-based capital ratio | 11.8585% | 5,824 |
| Memoranda: | ||
| Average total assets | $189,837,000 | 3,099 |
| Average earning assets | $172,221,000 | 3,135 |
| Average equity | $17,809,330 | 3,451 |
| Average total loans | $155,475,670 | 2,546 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6575% | 208 |
| Cost of funding earning assets | 0.1546% | 5,894 |
| Net interest margin | 5.5028% | 121 |
| Noninterest income to average assets | 0.3823% | 4,142 |
| Noninterest expense to average assets | 2.9439% | 2,763 |
| Loan and lease loss provision to assets | 0.4644% | 230 |
| Net operating income to assets | 1.2289% | 1,464 |
| Return on assets (ROA) | 1.2289% | 1,558 |
| Pretax return on assets | 1.9698% | 618 |
| Return on Equity (ROE) | 13.2168% | 1,034 |
| Retained earnings to average equity (ytd only) | 13.2168% | 422 |
| Net charge-offs to loans | 0.1186% | 1,564 |
| Credit loss provision to net charge-offs | 477.7778% | 573 |
| Earnings coverage of net charge-offs (x) | 25.0444% | 1,280 |
| Efficiency ratio | 54.7390% | 5,615 |
| Assets per employee ($millions) | 5.4609% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 2,135 |
| Loan loss allowance to noncurrent loans | 2,860.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 4,436 |
| Noncurrent loans to loans | 0.0551% | 5,555 |
| Net loans and leases to total assets | 79.3766% | 762 |
| Net loans and leases to deposits | 89.9003% | 1,406 |
| Net loans and leases to core deposits | 93.3935% | 1,822 |
| Total domestic deposits to total assets | 88.2940% | 1,664 |
| Equity capital to assets | 9.2046% | 5,081 |
| Core capital (leverage) ratio | 9.6465% | 4,085 |
| Tier 1 risk-based capital ratio | 10.4207% | 6,041 |
| Total risk-based capital ratio | 11.6730% | 5,993 |
| Memoranda: | ||
| Average total assets | $185,199,000 | 3,174 |
| Average earning assets | $168,131,500 | 3,208 |
| Average equity | $17,220,500 | 3,563 |
| Average total loans | $151,708,500 | 2,602 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 264 |
| Cost of funding earning assets | 0.1631% | 6,024 |
| Net interest margin | 5.4620% | 139 |
| Noninterest income to average assets | 0.5228% | 3,340 |
| Noninterest expense to average assets | 2.9608% | 2,965 |
| Loan and lease loss provision to assets | 0.2270% | 1,077 |
| Net operating income to assets | 1.4190% | 1,043 |
| Return on assets (ROA) | 1.4232% | 1,062 |
| Pretax return on assets | 2.2460% | 292 |
| Return on Equity (ROE) | 15.5139% | 697 |
| Retained earnings to average equity (ytd only) | 15.5139% | 136 |
| Net charge-offs to loans | -0.0216% | 5,712 |
| Credit loss provision to net charge-offs | -1,320.6897% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5544% | 5,803 |
| Assets per employee ($millions) | 5.1219% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 2,407 |
| Loan loss allowance to noncurrent loans | 5,260.4651% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.4067% | 4,470 |
| Noncurrent loans to loans | 0.0288% | 5,773 |
| Net loans and leases to total assets | 82.0066% | 521 |
| Net loans and leases to deposits | 93.2036% | 1,159 |
| Net loans and leases to core deposits | 100.2503% | 1,381 |
| Total domestic deposits to total assets | 87.9866% | 1,785 |
| Equity capital to assets | 9.3983% | 4,847 |
| Core capital (leverage) ratio | 9.4967% | 4,243 |
| Tier 1 risk-based capital ratio | 10.7101% | 6,023 |
| Total risk-based capital ratio | 11.9627% | 5,958 |
| Memoranda: | ||
| Average total assets | $168,703,400 | 3,360 |
| Average earning assets | $151,482,000 | 3,419 |
| Average equity | $15,476,400 | 3,750 |
| Average total loans | $134,170,200 | 2,789 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 291 |
| Cost of funding earning assets | 0.1657% | 6,090 |
| Net interest margin | 5.3979% | 157 |
| Noninterest income to average assets | 0.4641% | 3,775 |
| Noninterest expense to average assets | 2.8952% | 3,138 |
| Loan and lease loss provision to assets | 0.1919% | 1,256 |
| Net operating income to assets | 1.3866% | 1,159 |
| Return on assets (ROA) | 1.3866% | 1,198 |
| Pretax return on assets | 2.2168% | 355 |
| Return on Equity (ROE) | 15.2153% | 787 |
| Retained earnings to average equity (ytd only) | 15.2153% | 192 |
| Net charge-offs to loans | -0.0736% | 6,047 |
| Credit loss provision to net charge-offs | -331.9444% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5867% | 5,768 |
| Assets per employee ($millions) | 5.3054% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 2,507 |
| Loan loss allowance to noncurrent loans | 3,274.2424% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 4,627 |
| Noncurrent loans to loans | 0.0473% | 5,826 |
| Net loans and leases to total assets | 78.4895% | 904 |
| Net loans and leases to deposits | 88.8470% | 1,573 |
| Net loans and leases to core deposits | 98.6128% | 1,481 |
| Total domestic deposits to total assets | 88.3423% | 1,580 |
| Equity capital to assets | 9.2576% | 5,072 |
| Core capital (leverage) ratio | 9.6232% | 4,202 |
| Tier 1 risk-based capital ratio | 11.0742% | 5,962 |
| Total risk-based capital ratio | 12.3240% | 5,917 |
| Memoranda: | ||
| Average total assets | $166,062,750 | 3,424 |
| Average earning assets | $148,893,750 | 3,490 |
| Average equity | $15,133,500 | 3,829 |
| Average total loans | $130,394,750 | 2,870 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 324 |
| Cost of funding earning assets | 0.1679% | 6,146 |
| Net interest margin | 5.2991% | 171 |
| Noninterest income to average assets | 0.4330% | 4,000 |
| Noninterest expense to average assets | 2.8199% | 3,427 |
| Loan and lease loss provision to assets | 0.1999% | 1,205 |
| Net operating income to assets | 1.3553% | 1,174 |
| Return on assets (ROA) | 1.3553% | 1,220 |
| Pretax return on assets | 2.1735% | 384 |
| Return on Equity (ROE) | 14.9574% | 798 |
| Retained earnings to average equity (ytd only) | 14.9574% | 219 |
| Net charge-offs to loans | -0.1037% | 6,157 |
| Credit loss provision to net charge-offs | -246.9697% | 5,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2985% | 5,890 |
| Assets per employee ($millions) | 4.9773% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 2,608 |
| Loan loss allowance to noncurrent loans | 3,114.9254% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 4,533 |
| Noncurrent loans to loans | 0.0502% | 5,898 |
| Net loans and leases to total assets | 77.6463% | 949 |
| Net loans and leases to deposits | 88.1099% | 1,583 |
| Net loans and leases to core deposits | 97.4062% | 1,481 |
| Total domestic deposits to total assets | 88.1244% | 1,837 |
| Equity capital to assets | 9.1633% | 5,142 |
| Core capital (leverage) ratio | 9.5059% | 4,325 |
| Tier 1 risk-based capital ratio | 11.0140% | 6,046 |
| Total risk-based capital ratio | 12.2641% | 5,984 |
| Memoranda: | ||
| Average total assets | $163,058,000 | 3,493 |
| Average earning assets | $146,476,670 | 3,552 |
| Average equity | $14,775,330 | 3,897 |
| Average total loans | $127,333,670 | 2,917 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3771% | 362 |
| Cost of funding earning assets | 0.1724% | 6,215 |
| Net interest margin | 5.2047% | 181 |
| Noninterest income to average assets | 0.2500% | 5,365 |
| Noninterest expense to average assets | 2.8005% | 3,567 |
| Loan and lease loss provision to assets | 0.4201% | 398 |
| Net operating income to assets | 1.0602% | 1,965 |
| Return on assets (ROA) | 1.0602% | 2,039 |
| Pretax return on assets | 1.7103% | 959 |
| Return on Equity (ROE) | 11.7700% | 1,469 |
| Retained earnings to average equity (ytd only) | 11.7700% | 639 |
| Net charge-offs to loans | -0.0032% | 4,751 |
| Credit loss provision to net charge-offs | -16,800.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7951% | 5,773 |
| Assets per employee ($millions) | 5.5829% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 2,826 |
| Loan loss allowance to noncurrent loans | 20,240.0000% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 4,751 |
| Noncurrent loans to loans | 0.0078% | 6,160 |
| Net loans and leases to total assets | 75.7051% | 1,038 |
| Net loans and leases to deposits | 86.6082% | 1,522 |
| Net loans and leases to core deposits | 89.8747% | 1,919 |
| Total domestic deposits to total assets | 87.4110% | 2,558 |
| Equity capital to assets | 8.7911% | 5,351 |
| Core capital (leverage) ratio | 9.2830% | 4,599 |
| Tier 1 risk-based capital ratio | 10.8347% | 6,227 |
| Total risk-based capital ratio | 12.0850% | 6,174 |
| Memoranda: | ||
| Average total assets | $159,972,500 | 3,562 |
| Average earning assets | $143,869,000 | 3,626 |
| Average equity | $14,409,500 | 3,969 |
| Average total loans | $124,257,000 | 2,985 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1989% | 641 |
| Cost of funding earning assets | 0.1746% | 6,419 |
| Net interest margin | 5.0243% | 298 |
| Noninterest income to average assets | 0.4757% | 3,922 |
| Noninterest expense to average assets | 2.9345% | 3,260 |
| Loan and lease loss provision to assets | 0.4653% | 608 |
| Net operating income to assets | 0.9899% | 2,368 |
| Return on assets (ROA) | 0.9957% | 2,417 |
| Pretax return on assets | 1.5891% | 1,198 |
| Return on Equity (ROE) | 11.0461% | 1,753 |
| Retained earnings to average equity (ytd only) | 11.0461% | 413 |
| Net charge-offs to loans | 0.2695% | 2,353 |
| Credit loss provision to net charge-offs | 222.5166% | 1,026 |
| Earnings coverage of net charge-offs (x) | 9.7815% | 2,461 |
| Efficiency ratio | 58.9266% | 5,619 |
| Assets per employee ($millions) | 4.7643% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 2,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 4,675 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 77.2900% | 915 |
| Net loans and leases to deposits | 88.0890% | 1,448 |
| Net loans and leases to core deposits | 92.1658% | 1,785 |
| Total domestic deposits to total assets | 87.7408% | 2,341 |
| Equity capital to assets | 9.2452% | 4,754 |
| Core capital (leverage) ratio | 9.0800% | 4,886 |
| Tier 1 risk-based capital ratio | 11.0588% | 6,144 |
| Total risk-based capital ratio | 12.3090% | 6,088 |
| Memoranda: | ||
| Average total assets | $144,420,200 | 3,798 |
| Average earning assets | $129,470,400 | 3,857 |
| Average equity | $13,018,200 | 4,268 |
| Average total loans | $112,050,800 | 3,208 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 896 |
| Cost of funding earning assets | 0.1756% | 6,522 |
| Net interest margin | 4.8483% | 394 |
| Noninterest income to average assets | 0.3839% | 4,645 |
| Noninterest expense to average assets | 2.8611% | 3,441 |
| Loan and lease loss provision to assets | 0.5533% | 470 |
| Net operating income to assets | 0.8301% | 3,192 |
| Return on assets (ROA) | 0.8379% | 3,283 |
| Pretax return on assets | 1.3238% | 2,237 |
| Return on Equity (ROE) | 9.3599% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.3599% | 947 |
| Net charge-offs to loans | 0.3741% | 1,703 |
| Credit loss provision to net charge-offs | 191.2621% | 1,262 |
| Earnings coverage of net charge-offs (x) | 6.4466% | 2,972 |
| Efficiency ratio | 60.5388% | 5,353 |
| Assets per employee ($millions) | 4.6922% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 3,407 |
| Loan loss allowance to noncurrent loans | 102.6087% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.1702% | 3,315 |
| Noncurrent loans to loans | 1.4737% | 2,956 |
| Net loans and leases to total assets | 76.7772% | 899 |
| Net loans and leases to deposits | 87.5450% | 1,424 |
| Net loans and leases to core deposits | 96.6263% | 1,343 |
| Total domestic deposits to total assets | 87.7003% | 2,298 |
| Equity capital to assets | 8.9670% | 5,225 |
| Core capital (leverage) ratio | 9.1837% | 4,858 |
| Tier 1 risk-based capital ratio | 10.9038% | 6,320 |
| Total risk-based capital ratio | 12.1541% | 6,287 |
| Memoranda: | ||
| Average total assets | $142,411,000 | 3,882 |
| Average earning assets | $127,546,750 | 3,928 |
| Average equity | $12,749,000 | 4,357 |
| Average total loans | $110,140,250 | 3,264 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 1,238 |
| Cost of funding earning assets | 0.1807% | 6,571 |
| Net interest margin | 4.6586% | 548 |
| Noninterest income to average assets | 0.2918% | 5,368 |
| Noninterest expense to average assets | 2.8434% | 3,540 |
| Loan and lease loss provision to assets | 0.6865% | 345 |
| Net operating income to assets | 0.5974% | 4,297 |
| Return on assets (ROA) | 0.6093% | 4,411 |
| Pretax return on assets | 0.9469% | 3,726 |
| Return on Equity (ROE) | 6.8102% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.8102% | 1,976 |
| Net charge-offs to loans | 0.4229% | 1,527 |
| Credit loss provision to net charge-offs | 210.5263% | 1,146 |
| Earnings coverage of net charge-offs (x) | 4.9518% | 2,994 |
| Efficiency ratio | 63.7793% | 4,901 |
| Assets per employee ($millions) | 4.4625% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 3,624 |
| Loan loss allowance to noncurrent loans | 99.7135% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 3,264 |
| Noncurrent loans to loans | 1.4965% | 3,060 |
| Net loans and leases to total assets | 80.4350% | 496 |
| Net loans and leases to deposits | 91.9183% | 972 |
| Net loans and leases to core deposits | 107.2034% | 676 |
| Total domestic deposits to total assets | 87.5071% | 2,536 |
| Equity capital to assets | 9.0357% | 5,183 |
| Core capital (leverage) ratio | 8.9712% | 5,037 |
| Tier 1 risk-based capital ratio | 10.3861% | 6,542 |
| Total risk-based capital ratio | 11.6362% | 6,511 |
| Memoranda: | ||
| Average total assets | $139,831,330 | 3,951 |
| Average earning assets | $125,058,000 | 4,012 |
| Average equity | $12,510,670 | 4,422 |
| Average total loans | $107,836,670 | 3,325 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 1,867 |
| Cost of funding earning assets | 0.1823% | 6,659 |
| Net interest margin | 4.4043% | 798 |
| Noninterest income to average assets | 0.2747% | 5,485 |
| Noninterest expense to average assets | 2.9173% | 3,280 |
| Loan and lease loss provision to assets | 0.8009% | 269 |
| Net operating income to assets | 0.3152% | 5,513 |
| Return on assets (ROA) | 0.3152% | 5,643 |
| Pretax return on assets | 0.4684% | 5,363 |
| Return on Equity (ROE) | 3.5405% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.5405% | 4,117 |
| Net charge-offs to loans | 0.7424% | 819 |
| Credit loss provision to net charge-offs | 144.2708% | 1,405 |
| Earnings coverage of net charge-offs (x) | 2.2865% | 3,083 |
| Efficiency ratio | 69.6823% | 4,020 |
| Assets per employee ($millions) | 4.7257% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 4,016 |
| Loan loss allowance to noncurrent loans | 83.3157% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 2,990 |
| Noncurrent loans to loans | 1.7406% | 2,943 |
| Net loans and leases to total assets | 75.3992% | 913 |
| Net loans and leases to deposits | 86.4657% | 1,298 |
| Net loans and leases to core deposits | 98.6662% | 1,036 |
| Total domestic deposits to total assets | 87.2013% | 2,834 |
| Equity capital to assets | 8.7394% | 5,774 |
| Core capital (leverage) ratio | 9.0655% | 4,781 |
| Tier 1 risk-based capital ratio | 10.5482% | 6,563 |
| Total risk-based capital ratio | 11.7911% | 6,540 |
| Memoranda: | ||
| Average total assets | $138,346,500 | 4,012 |
| Average earning assets | $122,880,000 | 4,093 |
| Average equity | $12,314,500 | 4,514 |
| Average total loans | $103,454,000 | 3,428 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 4,298 |
| Cost of funding earning assets | 0.2353% | 6,731 |
| Net interest margin | 4.0404% | 2,237 |
| Noninterest income to average assets | 0.2405% | 5,730 |
| Noninterest expense to average assets | 2.9102% | 3,594 |
| Loan and lease loss provision to assets | 0.1323% | 3,967 |
| Net operating income to assets | 0.5023% | 4,685 |
| Return on assets (ROA) | 0.5059% | 4,927 |
| Pretax return on assets | 0.8242% | 4,211 |
| Return on Equity (ROE) | 5.2770% | 4,552 |
| Retained earnings to average equity (ytd only) | 5.2770% | 2,520 |
| Net charge-offs to loans | 0.1514% | 4,176 |
| Credit loss provision to net charge-offs | 115.3846% | 2,512 |
| Earnings coverage of net charge-offs (x) | 8.2937% | 2,434 |
| Efficiency ratio | 75.3738% | 2,850 |
| Assets per employee ($millions) | 4.4974% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 3,681 |
| Loan loss allowance to noncurrent loans | 77.9927% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.5313% | 3,088 |
| Noncurrent loans to loans | 1.9433% | 2,753 |
| Net loans and leases to total assets | 71.8554% | 1,512 |
| Net loans and leases to deposits | 83.0895% | 1,873 |
| Net loans and leases to core deposits | 90.3860% | 1,791 |
| Total domestic deposits to total assets | 86.4795% | 3,108 |
| Equity capital to assets | 9.0712% | 5,438 |
| Core capital (leverage) ratio | 9.7513% | 3,721 |
| Tier 1 risk-based capital ratio | 11.5871% | 6,037 |
| Total risk-based capital ratio | 12.8390% | 6,001 |
| Memoranda: | ||
| Average total assets | $124,734,400 | 4,257 |
| Average earning assets | $111,770,600 | 4,299 |
| Average equity | $11,957,600 | 4,576 |
| Average total loans | $94,441,600 | 3,650 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 4,592 |
| Cost of funding earning assets | 0.2503% | 6,808 |
| Net interest margin | 4.0149% | 2,448 |
| Noninterest income to average assets | 0.2150% | 6,001 |
| Noninterest expense to average assets | 2.9375% | 3,456 |
| Loan and lease loss provision to assets | -0.0720% | 7,014 |
| Net operating income to assets | 0.6078% | 4,357 |
| Return on assets (ROA) | 0.6078% | 4,613 |
| Pretax return on assets | 0.9733% | 3,808 |
| Return on Equity (ROE) | 6.2474% | 4,200 |
| Retained earnings to average equity (ytd only) | 6.2474% | 2,527 |
| Net charge-offs to loans | -0.0642% | 6,766 |
| Credit loss provision to net charge-offs | 146.6667% | 1,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5208% | 2,592 |
| Assets per employee ($millions) | 4.0079% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,776 |
| Loan loss allowance to noncurrent loans | 63.4296% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.8729% | 2,826 |
| Noncurrent loans to loans | 2.4266% | 2,371 |
| Net loans and leases to total assets | 74.6535% | 1,155 |
| Net loans and leases to deposits | 89.6824% | 1,186 |
| Net loans and leases to core deposits | 97.0474% | 1,335 |
| Total domestic deposits to total assets | 83.2421% | 4,545 |
| Equity capital to assets | 9.8305% | 4,736 |
| Core capital (leverage) ratio | 10.0724% | 3,441 |
| Tier 1 risk-based capital ratio | 12.1059% | 5,883 |
| Total risk-based capital ratio | 13.3558% | 5,859 |
| Memoranda: | ||
| Average total assets | $122,187,750 | 4,346 |
| Average earning assets | $110,285,500 | 4,380 |
| Average equity | $11,887,250 | 4,635 |
| Average total loans | $93,442,000 | 3,705 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 4,749 |
| Cost of funding earning assets | 0.2535% | 6,896 |
| Net interest margin | 3.9996% | 2,506 |
| Noninterest income to average assets | 0.1975% | 6,144 |
| Noninterest expense to average assets | 2.8971% | 3,627 |
| Loan and lease loss provision to assets | -0.0560% | 7,082 |
| Net operating income to assets | 0.6058% | 4,349 |
| Return on assets (ROA) | 0.6058% | 4,599 |
| Pretax return on assets | 0.9662% | 3,835 |
| Return on Equity (ROE) | 6.2488% | 4,186 |
| Retained earnings to average equity (ytd only) | 6.2488% | 2,539 |
| Net charge-offs to loans | -0.0601% | 6,716 |
| Credit loss provision to net charge-offs | 121.4286% | 2,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0917% | 2,731 |
| Assets per employee ($millions) | 4.2496% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 3,786 |
| Loan loss allowance to noncurrent loans | 63.2530% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.0044% | 2,772 |
| Noncurrent loans to loans | 2.4489% | 2,453 |
| Net loans and leases to total assets | 78.5200% | 671 |
| Net loans and leases to deposits | 95.6902% | 650 |
| Net loans and leases to core deposits | 104.4178% | 830 |
| Total domestic deposits to total assets | 82.0565% | 5,105 |
| Equity capital to assets | 10.0866% | 4,207 |
| Core capital (leverage) ratio | 10.0197% | 3,401 |
| Tier 1 risk-based capital ratio | 11.8414% | 6,031 |
| Total risk-based capital ratio | 13.0911% | 6,002 |
| Memoranda: | ||
| Average total assets | $121,501,670 | 4,390 |
| Average earning assets | $109,661,670 | 4,417 |
| Average equity | $11,778,330 | 4,656 |
| Average total loans | $93,188,000 | 3,727 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 5,077 |
| Cost of funding earning assets | 0.2564% | 6,993 |
| Net interest margin | 3.9514% | 2,711 |
| Noninterest income to average assets | 0.0749% | 6,844 |
| Noninterest expense to average assets | 2.8023% | 4,023 |
| Loan and lease loss provision to assets | -0.0652% | 7,157 |
| Net operating income to assets | 0.5572% | 4,555 |
| Return on assets (ROA) | 0.5572% | 4,773 |
| Pretax return on assets | 0.9026% | 4,020 |
| Return on Equity (ROE) | 5.8629% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.8629% | 3,033 |
| Net charge-offs to loans | 0.0347% | 4,206 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | 32.1250% | 876 |
| Efficiency ratio | 76.9919% | 2,651 |
| Assets per employee ($millions) | 4.3674% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5675% | 3,863 |
| Loan loss allowance to noncurrent loans | 61.8905% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.3297% | 2,554 |
| Noncurrent loans to loans | 2.5327% | 2,575 |
| Net loans and leases to total assets | 74.3057% | 1,013 |
| Net loans and leases to deposits | 89.3235% | 1,028 |
| Net loans and leases to core deposits | 98.7256% | 1,070 |
| Total domestic deposits to total assets | 83.1872% | 4,850 |
| Equity capital to assets | 9.6583% | 4,575 |
| Core capital (leverage) ratio | 9.6053% | 3,907 |
| Tier 1 risk-based capital ratio | 11.6764% | 6,176 |
| Total risk-based capital ratio | 12.9244% | 6,152 |
| Memoranda: | ||
| Average total assets | $122,757,500 | 4,384 |
| Average earning assets | $110,746,500 | 4,419 |
| Average equity | $11,666,500 | 4,684 |
| Average total loans | $92,331,500 | 3,772 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3959% | 5,442 |
| Cost of funding earning assets | 0.4749% | 6,635 |
| Net interest margin | 3.9210% | 3,252 |
| Noninterest income to average assets | 0.2576% | 5,692 |
| Noninterest expense to average assets | 2.8007% | 4,340 |
| Loan and lease loss provision to assets | 0.1536% | 4,701 |
| Net operating income to assets | 0.5015% | 4,420 |
| Return on assets (ROA) | 0.5015% | 4,629 |
| Pretax return on assets | 0.8127% | 3,935 |
| Return on Equity (ROE) | 5.4662% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.4662% | 2,327 |
| Net charge-offs to loans | 0.2090% | 4,488 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 6.2910% | 2,550 |
| Efficiency ratio | 74.3474% | 3,165 |
| Assets per employee ($millions) | 4.7395% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 3,601 |
| Loan loss allowance to noncurrent loans | 58.6714% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.4102% | 2,523 |
| Noncurrent loans to loans | 2.7223% | 2,390 |
| Net loans and leases to total assets | 73.7452% | 1,321 |
| Net loans and leases to deposits | 89.3409% | 1,217 |
| Net loans and leases to core deposits | 94.4028% | 1,650 |
| Total domestic deposits to total assets | 82.5436% | 4,951 |
| Equity capital to assets | 9.3502% | 5,088 |
| Core capital (leverage) ratio | 9.0276% | 4,730 |
| Tier 1 risk-based capital ratio | 11.5290% | 6,147 |
| Total risk-based capital ratio | 12.7794% | 6,128 |
| Memoranda: | ||
| Average total assets | $123,039,400 | 4,319 |
| Average earning assets | $110,126,000 | 4,390 |
| Average equity | $11,287,600 | 4,719 |
| Average total loans | $90,425,400 | 3,837 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 5,544 |
| Cost of funding earning assets | 0.5277% | 6,590 |
| Net interest margin | 3.8918% | 3,417 |
| Noninterest income to average assets | 0.2710% | 5,676 |
| Noninterest expense to average assets | 2.7437% | 4,562 |
| Loan and lease loss provision to assets | 0.1409% | 4,677 |
| Net operating income to assets | 0.5290% | 4,409 |
| Return on assets (ROA) | 0.5290% | 4,600 |
| Pretax return on assets | 0.8564% | 3,926 |
| Return on Equity (ROE) | 5.7944% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.7944% | 2,679 |
| Net charge-offs to loans | 0.2624% | 3,799 |
| Credit loss provision to net charge-offs | 73.4463% | 4,369 |
| Earnings coverage of net charge-offs (x) | 5.1978% | 2,852 |
| Efficiency ratio | 73.3411% | 3,308 |
| Assets per employee ($millions) | 4.7884% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,822 |
| Loan loss allowance to noncurrent loans | 54.9789% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 2.5238% | 2,558 |
| Noncurrent loans to loans | 2.8466% | 2,449 |
| Net loans and leases to total assets | 69.5679% | 2,166 |
| Net loans and leases to deposits | 84.9802% | 1,837 |
| Net loans and leases to core deposits | 96.1464% | 1,593 |
| Total domestic deposits to total assets | 81.8637% | 5,145 |
| Equity capital to assets | 8.8361% | 5,941 |
| Core capital (leverage) ratio | 8.8976% | 5,108 |
| Tier 1 risk-based capital ratio | 11.3682% | 6,321 |
| Total risk-based capital ratio | 12.6186% | 6,315 |
| Memoranda: | ||
| Average total assets | $122,992,500 | 4,342 |
| Average earning assets | $109,664,000 | 4,428 |
| Average equity | $11,229,000 | 4,753 |
| Average total loans | $89,944,500 | 3,896 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 5,291 |
| Cost of funding earning assets | 0.5643% | 6,610 |
| Net interest margin | 3.9559% | 3,064 |
| Noninterest income to average assets | 0.2217% | 6,088 |
| Noninterest expense to average assets | 2.7942% | 4,444 |
| Loan and lease loss provision to assets | 0.1340% | 4,624 |
| Net operating income to assets | 0.5013% | 4,495 |
| Return on assets (ROA) | 0.5013% | 4,636 |
| Pretax return on assets | 0.8073% | 3,998 |
| Return on Equity (ROE) | 5.4282% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.4282% | 2,725 |
| Net charge-offs to loans | 0.4068% | 2,921 |
| Credit loss provision to net charge-offs | 44.5055% | 4,719 |
| Earnings coverage of net charge-offs (x) | 3.1264% | 3,292 |
| Efficiency ratio | 74.8007% | 3,222 |
| Assets per employee ($millions) | 4.7559% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 4,004 |
| Loan loss allowance to noncurrent loans | 52.5172% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.6558% | 2,513 |
| Noncurrent loans to loans | 2.9058% | 2,511 |
| Net loans and leases to total assets | 71.8594% | 1,814 |
| Net loans and leases to deposits | 88.0121% | 1,499 |
| Net loans and leases to core deposits | 99.8225% | 1,358 |
| Total domestic deposits to total assets | 81.6472% | 5,300 |
| Equity capital to assets | 9.1910% | 5,292 |
| Core capital (leverage) ratio | 8.9561% | 4,795 |
| Tier 1 risk-based capital ratio | 11.5077% | 6,162 |
| Total risk-based capital ratio | 12.7553% | 6,148 |
| Memoranda: | ||
| Average total assets | $120,894,000 | 4,426 |
| Average earning assets | $107,384,670 | 4,526 |
| Average equity | $11,164,000 | 4,770 |
| Average total loans | $89,468,330 | 3,952 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 5,345 |
| Cost of funding earning assets | 0.6048% | 6,594 |
| Net interest margin | 3.8921% | 3,180 |
| Noninterest income to average assets | 0.2410% | 5,975 |
| Noninterest expense to average assets | 2.9084% | 4,027 |
| Loan and lease loss provision to assets | 0.0602% | 5,247 |
| Net operating income to assets | 0.4619% | 4,656 |
| Return on assets (ROA) | 0.4619% | 4,739 |
| Pretax return on assets | 0.7397% | 4,147 |
| Return on Equity (ROE) | 4.9894% | 4,411 |
| Retained earnings to average equity (ytd only) | 4.9894% | 3,203 |
| Net charge-offs to loans | 0.1616% | 3,512 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 6.6389% | 2,068 |
| Efficiency ratio | 78.4296% | 2,781 |
| Assets per employee ($millions) | 4.4960% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 3,506 |
| Loan loss allowance to noncurrent loans | 57.7532% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 2.6435% | 2,603 |
| Noncurrent loans to loans | 2.8661% | 2,630 |
| Net loans and leases to total assets | 71.4567% | 1,823 |
| Net loans and leases to deposits | 84.9454% | 1,887 |
| Net loans and leases to core deposits | 99.3642% | 1,394 |
| Total domestic deposits to total assets | 84.1207% | 4,442 |
| Equity capital to assets | 9.1704% | 4,919 |
| Core capital (leverage) ratio | 9.1344% | 4,393 |
| Tier 1 risk-based capital ratio | 11.6115% | 6,012 |
| Total risk-based capital ratio | 12.8623% | 5,996 |
| Memoranda: | ||
| Average total assets | $119,514,000 | 4,498 |
| Average earning assets | $106,473,000 | 4,580 |
| Average equity | $11,063,500 | 4,786 |
| Average total loans | $89,085,500 | 3,996 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 5,958 |
| Cost of funding earning assets | 0.7744% | 6,668 |
| Net interest margin | 3.8740% | 3,618 |
| Noninterest income to average assets | 0.1085% | 6,853 |
| Noninterest expense to average assets | 2.8262% | 4,491 |
| Loan and lease loss provision to assets | 0.2667% | 4,666 |
| Net operating income to assets | 0.2739% | 5,025 |
| Return on assets (ROA) | 0.2739% | 5,186 |
| Pretax return on assets | 0.4515% | 4,791 |
| Return on Equity (ROE) | 3.1530% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.1530% | 3,661 |
| Net charge-offs to loans | 0.4868% | 3,674 |
| Credit loss provision to net charge-offs | 73.1278% | 5,788 |
| Earnings coverage of net charge-offs (x) | 1.9692% | 4,254 |
| Efficiency ratio | 79.7371% | 2,450 |
| Assets per employee ($millions) | 4.2013% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 3,413 |
| Loan loss allowance to noncurrent loans | 45.3431% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 3.3535% | 2,094 |
| Noncurrent loans to loans | 3.6279% | 2,062 |
| Net loans and leases to total assets | 75.2221% | 1,429 |
| Net loans and leases to deposits | 91.4105% | 1,335 |
| Net loans and leases to core deposits | 109.9597% | 919 |
| Total domestic deposits to total assets | 82.2904% | 5,094 |
| Equity capital to assets | 9.3465% | 4,627 |
| Core capital (leverage) ratio | 8.4862% | 5,391 |
| Tier 1 risk-based capital ratio | 11.1450% | 6,216 |
| Total risk-based capital ratio | 12.3997% | 6,188 |
| Memoranda: | ||
| Average total assets | $124,479,400 | 4,390 |
| Average earning assets | $110,402,400 | 4,456 |
| Average equity | $10,815,000 | 4,906 |
| Average total loans | $93,258,200 | 3,975 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 6,222 |
| Cost of funding earning assets | 0.8120% | 6,722 |
| Net interest margin | 3.8305% | 3,841 |
| Noninterest income to average assets | -0.0412% | 7,493 |
| Noninterest expense to average assets | 2.7873% | 4,546 |
| Loan and lease loss provision to assets | 0.0137% | 6,900 |
| Net operating income to assets | 0.3508% | 4,962 |
| Return on assets (ROA) | 0.3508% | 5,136 |
| Pretax return on assets | 0.5473% | 4,767 |
| Return on Equity (ROE) | 4.1101% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.1101% | 3,582 |
| Net charge-offs to loans | 0.0397% | 6,160 |
| Credit loss provision to net charge-offs | 46.4286% | 5,936 |
| Earnings coverage of net charge-offs (x) | 18.9654% | 1,228 |
| Efficiency ratio | 83.2439% | 1,926 |
| Assets per employee ($millions) | 5.0196% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 3,187 |
| Loan loss allowance to noncurrent loans | 53.5811% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.8174% | 2,579 |
| Noncurrent loans to loans | 3.1508% | 2,527 |
| Net loans and leases to total assets | 70.7678% | 2,541 |
| Net loans and leases to deposits | 86.4979% | 2,240 |
| Net loans and leases to core deposits | 111.7606% | 944 |
| Total domestic deposits to total assets | 81.8144% | 5,068 |
| Equity capital to assets | 8.4377% | 6,348 |
| Core capital (leverage) ratio | 8.5643% | 5,397 |
| Tier 1 risk-based capital ratio | 10.5080% | 6,773 |
| Total risk-based capital ratio | 11.7581% | 6,762 |
| Memoranda: | ||
| Average total assets | $126,190,000 | 4,410 |
| Average earning assets | $111,661,750 | 4,491 |
| Average equity | $10,770,000 | 4,982 |
| Average total loans | $94,080,500 | 4,017 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 6,072 |
| Cost of funding earning assets | 0.8480% | 6,767 |
| Net interest margin | 3.8729% | 3,571 |
| Noninterest income to average assets | -0.1170% | 7,639 |
| Noninterest expense to average assets | 2.7896% | 4,533 |
| Loan and lease loss provision to assets | 0.1651% | 5,238 |
| Net operating income to assets | 0.2004% | 5,557 |
| Return on assets (ROA) | 0.2004% | 5,693 |
| Pretax return on assets | 0.3255% | 5,433 |
| Return on Equity (ROE) | 2.3388% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.3388% | 4,668 |
| Net charge-offs to loans | 0.0807% | 5,330 |
| Credit loss provision to net charge-offs | 271.0526% | 1,389 |
| Earnings coverage of net charge-offs (x) | 8.0526% | 2,196 |
| Efficiency ratio | 85.0440% | 1,815 |
| Assets per employee ($millions) | 4.6029% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 2,812 |
| Loan loss allowance to noncurrent loans | 37.7209% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 4.0603% | 1,689 |
| Noncurrent loans to loans | 4.6983% | 1,514 |
| Net loans and leases to total assets | 74.2561% | 1,851 |
| Net loans and leases to deposits | 90.0033% | 1,851 |
| Net loans and leases to core deposits | 112.3127% | 1,017 |
| Total domestic deposits to total assets | 82.5037% | 4,780 |
| Equity capital to assets | 8.6661% | 5,921 |
| Core capital (leverage) ratio | 8.4828% | 5,435 |
| Tier 1 risk-based capital ratio | 10.3481% | 6,798 |
| Total risk-based capital ratio | 11.5983% | 6,784 |
| Memoranda: | ||
| Average total assets | $124,750,000 | 4,477 |
| Average earning assets | $109,428,000 | 4,571 |
| Average equity | $10,689,330 | 5,007 |
| Average total loans | $94,125,670 | 4,058 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 6,445 |
| Cost of funding earning assets | 0.8592% | 6,900 |
| Net interest margin | 3.7791% | 3,878 |
| Noninterest income to average assets | 0.2080% | 6,473 |
| Noninterest expense to average assets | 2.8803% | 4,135 |
| Loan and lease loss provision to assets | 0.0544% | 6,117 |
| Net operating income to assets | 0.3808% | 4,922 |
| Return on assets (ROA) | 0.3808% | 5,054 |
| Pretax return on assets | 0.5953% | 4,621 |
| Return on Equity (ROE) | 4.4699% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.4699% | 3,476 |
| Net charge-offs to loans | 0.0637% | 4,777 |
| Credit loss provision to net charge-offs | 113.3333% | 3,063 |
| Earnings coverage of net charge-offs (x) | 13.5333% | 1,492 |
| Efficiency ratio | 81.5956% | 2,336 |
| Assets per employee ($millions) | 4.4358% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 3,033 |
| Loan loss allowance to noncurrent loans | 41.7623% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.7946% | 1,834 |
| Noncurrent loans to loans | 4.0909% | 1,897 |
| Net loans and leases to total assets | 74.2065% | 1,927 |
| Net loans and leases to deposits | 86.6100% | 2,485 |
| Net loans and leases to core deposits | 116.9783% | 908 |
| Total domestic deposits to total assets | 85.6790% | 3,334 |
| Equity capital to assets | 8.6287% | 5,836 |
| Core capital (leverage) ratio | 8.7128% | 5,003 |
| Tier 1 risk-based capital ratio | 10.4427% | 6,684 |
| Total risk-based capital ratio | 11.6922% | 6,685 |
| Memoranda: | ||
| Average total assets | $124,986,000 | 4,520 |
| Average earning assets | $109,866,500 | 4,615 |
| Average equity | $10,649,000 | 5,062 |
| Average total loans | $94,214,000 | 4,118 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3716% | 4,832 |
| Cost of funding earning assets | 0.9094% | 7,389 |
| Net interest margin | 4.4622% | 1,264 |
| Noninterest income to average assets | -0.0427% | 7,762 |
| Noninterest expense to average assets | 2.8860% | 4,585 |
| Loan and lease loss provision to assets | 1.0968% | 2,077 |
| Net operating income to assets | -0.0087% | 5,501 |
| Return on assets (ROA) | -0.0087% | 5,549 |
| Pretax return on assets | -0.0253% | 5,485 |
| Return on Equity (ROE) | -0.0936% | 5,550 |
| Retained earnings to average equity (ytd only) | -0.0936% | 4,956 |
| Net charge-offs to loans | 0.8868% | 2,622 |
| Credit loss provision to net charge-offs | 156.0794% | 2,899 |
| Earnings coverage of net charge-offs (x) | 1.5248% | 4,606 |
| Efficiency ratio | 72.9236% | 4,110 |
| Assets per employee ($millions) | 4.4918% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6903% | 2,926 |
| Loan loss allowance to noncurrent loans | 77.1084% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 2.1977% | 3,129 |
| Noncurrent loans to loans | 2.1921% | 3,397 |
| Net loans and leases to total assets | 73.9922% | 2,274 |
| Net loans and leases to deposits | 87.3704% | 2,670 |
| Net loans and leases to core deposits | 127.2615% | 1,431 |
| Total domestic deposits to total assets | 84.6879% | 3,714 |
| Equity capital to assets | 8.4130% | 6,041 |
| Core capital (leverage) ratio | 8.4867% | 5,300 |
| Tier 1 risk-based capital ratio | 10.1246% | 6,770 |
| Total risk-based capital ratio | 11.3783% | 6,731 |
| Memoranda: | ||
| Average total assets | $114,692,800 | 4,703 |
| Average earning assets | $102,819,000 | 4,764 |
| Average equity | $10,678,800 | 5,106 |
| Average total loans | $90,893,000 | 4,192 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4874% | 4,483 |
| Cost of funding earning assets | 0.9073% | 7,545 |
| Net interest margin | 4.5801% | 1,020 |
| Noninterest income to average assets | -0.1287% | 7,945 |
| Noninterest expense to average assets | 2.9317% | 4,308 |
| Loan and lease loss provision to assets | 0.3931% | 3,955 |
| Net operating income to assets | 0.4312% | 4,273 |
| Return on assets (ROA) | 0.4312% | 4,375 |
| Pretax return on assets | 0.6659% | 3,966 |
| Return on Equity (ROE) | 4.5094% | 4,157 |
| Retained earnings to average equity (ytd only) | 4.5094% | 2,752 |
| Net charge-offs to loans | 0.3202% | 4,038 |
| Credit loss provision to net charge-offs | 152.7778% | 3,127 |
| Earnings coverage of net charge-offs (x) | 4.1158% | 3,254 |
| Efficiency ratio | 73.4627% | 3,963 |
| Assets per employee ($millions) | 4.1012% | 3,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,171 |
| Loan loss allowance to noncurrent loans | 218.8581% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0653% | 4,949 |
| Noncurrent loans to loans | 0.6202% | 6,064 |
| Net loans and leases to total assets | 77.2950% | 1,723 |
| Net loans and leases to deposits | 94.2379% | 1,849 |
| Net loans and leases to core deposits | 135.4661% | 1,129 |
| Total domestic deposits to total assets | 82.0211% | 4,666 |
| Equity capital to assets | 9.2026% | 5,160 |
| Core capital (leverage) ratio | 9.4273% | 4,010 |
| Tier 1 risk-based capital ratio | 10.8050% | 6,150 |
| Total risk-based capital ratio | 12.0335% | 6,143 |
| Memoranda: | ||
| Average total assets | $111,923,500 | 4,809 |
| Average earning assets | $100,664,250 | 4,844 |
| Average equity | $10,703,250 | 5,141 |
| Average total loans | $89,951,250 | 4,247 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3615% | 5,345 |
| Cost of funding earning assets | 0.9182% | 7,674 |
| Net interest margin | 4.4433% | 1,306 |
| Noninterest income to average assets | -0.2646% | 8,086 |
| Noninterest expense to average assets | 2.9420% | 4,324 |
| Loan and lease loss provision to assets | 0.2190% | 4,847 |
| Net operating income to assets | 0.4125% | 4,460 |
| Return on assets (ROA) | 0.4125% | 4,566 |
| Pretax return on assets | 0.6369% | 4,212 |
| Return on Equity (ROE) | 4.2551% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.2551% | 2,935 |
| Net charge-offs to loans | 0.4568% | 3,002 |
| Credit loss provision to net charge-offs | 59.1133% | 5,608 |
| Earnings coverage of net charge-offs (x) | 2.3103% | 3,912 |
| Efficiency ratio | 77.4628% | 3,427 |
| Assets per employee ($millions) | 4.1936% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 5,899 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 79.3973% | 1,434 |
| Net loans and leases to deposits | 97.9324% | 1,525 |
| Net loans and leases to core deposits | 137.9321% | 1,110 |
| Total domestic deposits to total assets | 81.0736% | 5,054 |
| Equity capital to assets | 9.4800% | 4,637 |
| Core capital (leverage) ratio | 9.6248% | 3,732 |
| Tier 1 risk-based capital ratio | 10.7996% | 6,081 |
| Total risk-based capital ratio | 11.8951% | 6,174 |
| Memoranda: | ||
| Average total assets | $109,586,670 | 4,892 |
| Average earning assets | $100,195,000 | 4,884 |
| Average equity | $10,622,670 | 5,184 |
| Average total loans | $88,870,000 | 4,306 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3121% | 5,848 |
| Cost of funding earning assets | 0.9548% | 7,745 |
| Net interest margin | 4.3573% | 1,449 |
| Noninterest income to average assets | -0.2264% | 8,168 |
| Noninterest expense to average assets | 2.9397% | 4,015 |
| Loan and lease loss provision to assets | 0.2487% | 3,982 |
| Net operating income to assets | 0.3675% | 4,985 |
| Return on assets (ROA) | 0.3675% | 5,166 |
| Pretax return on assets | 0.5827% | 4,812 |
| Return on Equity (ROE) | 3.7475% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.7475% | 3,820 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9528% | 3,170 |
| Assets per employee ($millions) | 3.9754% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 3,678 |
| Loan loss allowance to noncurrent loans | 195.4984% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 4,398 |
| Noncurrent loans to loans | 0.7009% | 5,660 |
| Net loans and leases to total assets | 81.5466% | 1,093 |
| Net loans and leases to deposits | 98.3350% | 1,617 |
| Net loans and leases to core deposits | 135.0720% | 1,353 |
| Total domestic deposits to total assets | 82.9273% | 4,181 |
| Equity capital to assets | 9.9017% | 4,114 |
| Core capital (leverage) ratio | 9.6179% | 3,855 |
| Tier 1 risk-based capital ratio | 11.0439% | 5,866 |
| Total risk-based capital ratio | 12.3045% | 5,766 |
| Memoranda: | ||
| Average total assets | $107,766,000 | 4,960 |
| Average earning assets | $98,868,500 | 4,948 |
| Average equity | $10,567,000 | 5,219 |
| Average total loans | $87,822,500 | 4,368 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1359% | 4,856 |
| Cost of funding earning assets | 2.0098% | 6,380 |
| Net interest margin | 4.1261% | 2,596 |
| Noninterest income to average assets | 0.1673% | 7,224 |
| Noninterest expense to average assets | 3.0078% | 4,055 |
| Loan and lease loss provision to assets | 0.3680% | 3,476 |
| Net operating income to assets | 0.3589% | 5,318 |
| Return on assets (ROA) | 0.3589% | 5,120 |
| Pretax return on assets | 0.5626% | 4,804 |
| Return on Equity (ROE) | 3.4853% | 5,045 |
| Retained earnings to average equity (ytd only) | 3.4853% | 2,972 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3707% | 3,176 |
| Assets per employee ($millions) | 3.8642% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 3,632 |
| Loan loss allowance to noncurrent loans | 271.8676% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 1.0379% | 4,227 |
| Noncurrent loans to loans | 0.4868% | 5,887 |
| Net loans and leases to total assets | 79.2545% | 1,824 |
| Net loans and leases to deposits | 99.2983% | 1,943 |
| Net loans and leases to core deposits | 111.5663% | 3,608 |
| Total domestic deposits to total assets | 79.8146% | 5,096 |
| Equity capital to assets | 9.7101% | 4,414 |
| Core capital (leverage) ratio | 9.5864% | 3,898 |
| Tier 1 risk-based capital ratio | 11.0500% | 5,679 |
| Total risk-based capital ratio | 12.2902% | 5,581 |
| Memoranda: | ||
| Average total assets | $98,645,000 | 5,097 |
| Average earning assets | $90,158,400 | 5,074 |
| Average equity | $10,156,800 | 5,359 |
| Average total loans | $78,990,600 | 4,553 |