Home > Suncrest Bank > Performance and Condition Ratios
Suncrest Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 1,658 |
| Cost of funding earning assets | 0.1535% | 3,936 |
| Net interest margin | 3.7311% | 1,144 |
| Noninterest income to average assets | 0.1246% | 4,515 |
| Noninterest expense to average assets | 1.8786% | 3,976 |
| Loan and lease loss provision to assets | 0.0316% | 2,417 |
| Net operating income to assets | 1.2322% | 1,804 |
| Return on assets (ROA) | 1.2406% | 1,833 |
| Pretax return on assets | 1.7151% | 1,111 |
| Return on Equity (ROE) | 9.7726% | 2,607 |
| Retained earnings to average equity (ytd only) | 7.9915% | 1,548 |
| Net charge-offs to loans | 0.0513% | 1,300 |
| Credit loss provision to net charge-offs | 100.2342% | 1,786 |
| Earnings coverage of net charge-offs (x) | 55.0422% | 1,236 |
| Efficiency ratio | 50.8164% | 4,221 |
| Assets per employee ($millions) | 14.1032% | 237 |
| Cash dividends to net income (ytd only)* | 18.2257% | 3,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,443 |
| Loan loss allowance to noncurrent loans | 212.0698% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 2,099 |
| Noncurrent loans to loans | 0.5093% | 1,848 |
| Net loans and leases to total assets | 55.7810% | 2,648 |
| Net loans and leases to deposits | 64.4091% | 2,652 |
| Net loans and leases to core deposits | 66.5382% | 2,774 |
| Total domestic deposits to total assets | 86.6043% | 2,665 |
| Equity capital to assets | 12.8223% | 955 |
| Core capital (leverage) ratio | 9.8583% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9845% | 1,516 |
| Memoranda: | ||
| Average total assets | $1,353,788,200 | 736 |
| Average earning assets | $1,266,331,400 | 733 |
| Average equity | $171,858,600 | 626 |
| Average total loans | $832,174,400 | 771 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9398% | 1,667 |
| Cost of funding earning assets | 0.1585% | 4,028 |
| Net interest margin | 3.7813% | 1,159 |
| Noninterest income to average assets | 0.1214% | 4,581 |
| Noninterest expense to average assets | 1.9010% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2694% | 1,923 |
| Return on assets (ROA) | 1.2694% | 1,976 |
| Pretax return on assets | 1.7505% | 1,278 |
| Return on Equity (ROE) | 10.0256% | 2,729 |
| Retained earnings to average equity (ytd only) | 7.6258% | 2,170 |
| Net charge-offs to loans | 0.0002% | 2,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 17,635.0000% | 4 |
| Efficiency ratio | 50.8889% | 4,134 |
| Assets per employee ($millions) | 12.7582% | 320 |
| Cash dividends to net income (ytd only)* | 23.9365% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,723 |
| Loan loss allowance to noncurrent loans | 190.7358% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 2,197 |
| Noncurrent loans to loans | 0.5431% | 1,960 |
| Net loans and leases to total assets | 57.3669% | 2,578 |
| Net loans and leases to deposits | 65.8839% | 2,635 |
| Net loans and leases to core deposits | 69.1020% | 2,674 |
| Total domestic deposits to total assets | 87.0727% | 2,330 |
| Equity capital to assets | 12.3423% | 1,242 |
| Core capital (leverage) ratio | 9.4975% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6568% | 2,105 |
| Memoranda: | ||
| Average total assets | $1,343,182,000 | 749 |
| Average earning assets | $1,253,970,000 | 748 |
| Average equity | $170,066,750 | 641 |
| Average total loans | $843,386,500 | 782 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 1,718 |
| Cost of funding earning assets | 0.1640% | 4,096 |
| Net interest margin | 3.7729% | 1,183 |
| Noninterest income to average assets | 0.1230% | 4,587 |
| Noninterest expense to average assets | 1.8715% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2878% | 1,899 |
| Return on assets (ROA) | 1.2878% | 1,973 |
| Pretax return on assets | 1.7656% | 1,311 |
| Return on Equity (ROE) | 10.0799% | 2,712 |
| Retained earnings to average equity (ytd only) | 6.4465% | 2,642 |
| Net charge-offs to loans | 0.0002% | 2,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11,643.0000% | 6 |
| Efficiency ratio | 50.2168% | 4,223 |
| Assets per employee ($millions) | 11.4332% | 408 |
| Cash dividends to net income (ytd only)* | 36.0457% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,891 |
| Loan loss allowance to noncurrent loans | 182.1337% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 2,231 |
| Noncurrent loans to loans | 0.5373% | 2,060 |
| Net loans and leases to total assets | 62.7060% | 2,094 |
| Net loans and leases to deposits | 72.1834% | 2,190 |
| Net loans and leases to core deposits | 76.9805% | 2,140 |
| Total domestic deposits to total assets | 86.8704% | 2,396 |
| Equity capital to assets | 12.5741% | 1,101 |
| Core capital (leverage) ratio | 9.4533% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8370% | 2,036 |
| Memoranda: | ||
| Average total assets | $1,318,856,333 | 757 |
| Average earning assets | $1,228,378,333 | 762 |
| Average equity | $168,493,333 | 641 |
| Average total loans | $850,878,667 | 776 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 1,946 |
| Cost of funding earning assets | 0.1724% | 4,140 |
| Net interest margin | 3.6824% | 1,373 |
| Noninterest income to average assets | 0.1269% | 4,563 |
| Noninterest expense to average assets | 1.8516% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2393% | 2,012 |
| Return on assets (ROA) | 1.2393% | 2,095 |
| Pretax return on assets | 1.6996% | 1,491 |
| Return on Equity (ROE) | 9.6202% | 2,812 |
| Retained earnings to average equity (ytd only) | 2.2657% | 3,957 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8150% | 4,113 |
| Assets per employee ($millions) | 11.1518% | 433 |
| Cash dividends to net income (ytd only)* | 76.4486% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,899 |
| Loan loss allowance to noncurrent loans | 178.5804% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 2,334 |
| Noncurrent loans to loans | 0.5516% | 2,206 |
| Net loans and leases to total assets | 63.8791% | 2,061 |
| Net loans and leases to deposits | 73.2889% | 2,182 |
| Net loans and leases to core deposits | 79.4121% | 2,060 |
| Total domestic deposits to total assets | 87.1607% | 2,248 |
| Equity capital to assets | 12.2592% | 1,169 |
| Core capital (leverage) ratio | 9.5185% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4672% | 2,099 |
| Memoranda: | ||
| Average total assets | $1,292,292,500 | 769 |
| Average earning assets | $1,201,711,500 | 768 |
| Average equity | $166,482,500 | 642 |
| Average total loans | $841,909,000 | 776 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 2,335 |
| Cost of funding earning assets | 0.2994% | 4,150 |
| Net interest margin | 3.8310% | 1,416 |
| Noninterest income to average assets | 0.1701% | 4,436 |
| Noninterest expense to average assets | 1.9214% | 4,280 |
| Loan and lease loss provision to assets | 0.3032% | 1,240 |
| Net operating income to assets | 1.1252% | 1,817 |
| Return on assets (ROA) | 1.1216% | 1,955 |
| Pretax return on assets | 1.4894% | 1,365 |
| Return on Equity (ROE) | 8.2386% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.2386% | 984 |
| Net charge-offs to loans | 0.0709% | 1,782 |
| Credit loss provision to net charge-offs | 662.3134% | 1,036 |
| Earnings coverage of net charge-offs (x) | 39.2575% | 1,408 |
| Efficiency ratio | 50.1458% | 4,522 |
| Assets per employee ($millions) | 10.2161% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,735 |
| Loan loss allowance to noncurrent loans | 218.5861% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 2,705 |
| Noncurrent loans to loans | 0.4741% | 2,550 |
| Net loans and leases to total assets | 65.1469% | 2,209 |
| Net loans and leases to deposits | 78.4096% | 2,033 |
| Net loans and leases to core deposits | 80.6182% | 2,309 |
| Total domestic deposits to total assets | 83.0854% | 3,387 |
| Equity capital to assets | 13.5522% | 919 |
| Core capital (leverage) ratio | 9.4192% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9258% | 1,881 |
| Memoranda: | ||
| Average total assets | $1,170,851,800 | 765 |
| Average earning assets | $1,084,497,200 | 763 |
| Average equity | $159,395,400 | 637 |
| Average total loans | $756,409,200 | 818 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 2,634 |
| Cost of funding earning assets | 0.3247% | 4,191 |
| Net interest margin | 3.7923% | 1,636 |
| Noninterest income to average assets | 0.1182% | 4,690 |
| Noninterest expense to average assets | 1.9145% | 4,305 |
| Loan and lease loss provision to assets | 0.3820% | 960 |
| Net operating income to assets | 1.0214% | 2,254 |
| Return on assets (ROA) | 1.0164% | 2,401 |
| Pretax return on assets | 1.3293% | 1,937 |
| Return on Equity (ROE) | 7.4572% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.4572% | 1,506 |
| Net charge-offs to loans | 0.0953% | 1,355 |
| Credit loss provision to net charge-offs | 623.8185% | 1,144 |
| Earnings coverage of net charge-offs (x) | 28.0510% | 1,642 |
| Efficiency ratio | 51.0962% | 4,413 |
| Assets per employee ($millions) | 10.7531% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,614 |
| Loan loss allowance to noncurrent loans | 193.9878% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 2,776 |
| Noncurrent loans to loans | 0.5260% | 2,484 |
| Net loans and leases to total assets | 62.0962% | 2,998 |
| Net loans and leases to deposits | 76.2664% | 2,726 |
| Net loans and leases to core deposits | 78.3890% | 2,974 |
| Total domestic deposits to total assets | 81.4202% | 3,562 |
| Equity capital to assets | 12.6787% | 1,340 |
| Core capital (leverage) ratio | 9.5010% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7392% | 1,916 |
| Memoranda: | ||
| Average total assets | $1,151,972,500 | 769 |
| Average earning assets | $1,067,378,250 | 758 |
| Average equity | $157,016,750 | 640 |
| Average total loans | $740,393,000 | 833 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 2,653 |
| Cost of funding earning assets | 0.3716% | 4,165 |
| Net interest margin | 3.8633% | 1,658 |
| Noninterest income to average assets | 0.1235% | 4,686 |
| Noninterest expense to average assets | 1.9732% | 4,288 |
| Loan and lease loss provision to assets | 0.4160% | 955 |
| Net operating income to assets | 1.0158% | 2,265 |
| Return on assets (ROA) | 1.0081% | 2,418 |
| Pretax return on assets | 1.2901% | 2,065 |
| Return on Equity (ROE) | 7.2005% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.2005% | 1,571 |
| Net charge-offs to loans | 0.1469% | 983 |
| Credit loss provision to net charge-offs | 436.4326% | 1,332 |
| Earnings coverage of net charge-offs (x) | 18.0019% | 1,788 |
| Efficiency ratio | 51.7723% | 4,372 |
| Assets per employee ($millions) | 10.9027% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 3,995 |
| Loan loss allowance to noncurrent loans | 169.0016% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 2,919 |
| Noncurrent loans to loans | 0.5340% | 2,567 |
| Net loans and leases to total assets | 61.9818% | 3,128 |
| Net loans and leases to deposits | 76.0224% | 2,863 |
| Net loans and leases to core deposits | 78.2136% | 3,088 |
| Total domestic deposits to total assets | 81.5311% | 3,489 |
| Equity capital to assets | 12.5567% | 1,355 |
| Core capital (leverage) ratio | 9.9288% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5197% | 2,391 |
| Memoranda: | ||
| Average total assets | $1,105,840,667 | 786 |
| Average earning assets | $1,020,584,000 | 772 |
| Average equity | $154,821,667 | 646 |
| Average total loans | $717,347,333 | 840 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 1,725 |
| Cost of funding earning assets | 0.4915% | 3,979 |
| Net interest margin | 4.2038% | 913 |
| Noninterest income to average assets | 0.1461% | 4,633 |
| Noninterest expense to average assets | 2.1904% | 4,027 |
| Loan and lease loss provision to assets | 0.4333% | 696 |
| Net operating income to assets | 1.1364% | 1,736 |
| Return on assets (ROA) | 1.1364% | 1,841 |
| Pretax return on assets | 1.3802% | 1,625 |
| Return on Equity (ROE) | 7.6191% | 2,670 |
| Retained earnings to average equity (ytd only) | 7.6191% | 1,339 |
| Net charge-offs to loans | 0.3135% | 461 |
| Credit loss provision to net charge-offs | 208.3333% | 1,394 |
| Earnings coverage of net charge-offs (x) | 8.7197% | 1,855 |
| Efficiency ratio | 52.9562% | 4,475 |
| Assets per employee ($millions) | 9.0966% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 4,140 |
| Loan loss allowance to noncurrent loans | 138.0323% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 2,735 |
| Noncurrent loans to loans | 0.6458% | 2,377 |
| Net loans and leases to total assets | 64.4134% | 3,016 |
| Net loans and leases to deposits | 76.2020% | 3,051 |
| Net loans and leases to core deposits | 79.1076% | 3,280 |
| Total domestic deposits to total assets | 84.5298% | 2,588 |
| Equity capital to assets | 14.7923% | 808 |
| Core capital (leverage) ratio | 10.9963% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5881% | 2,043 |
| Memoranda: | ||
| Average total assets | $1,015,502,500 | 807 |
| Average earning assets | $931,928,000 | 812 |
| Average equity | $151,460,500 | 654 |
| Average total loans | $673,686,500 | 858 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 1,453 |
| Cost of funding earning assets | 0.5286% | 3,974 |
| Net interest margin | 4.4797% | 746 |
| Noninterest income to average assets | 0.1512% | 4,737 |
| Noninterest expense to average assets | 2.2427% | 4,078 |
| Loan and lease loss provision to assets | 0.2194% | 887 |
| Net operating income to assets | 1.2417% | 1,898 |
| Return on assets (ROA) | 1.2442% | 1,971 |
| Pretax return on assets | 1.7278% | 1,112 |
| Return on Equity (ROE) | 8.4313% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.4313% | 846 |
| Net charge-offs to loans | 0.1509% | 1,312 |
| Credit loss provision to net charge-offs | 213.4146% | 1,236 |
| Earnings coverage of net charge-offs (x) | 18.9106% | 2,027 |
| Efficiency ratio | 51.6207% | 4,630 |
| Assets per employee ($millions) | 8.4905% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 4,240 |
| Loan loss allowance to noncurrent loans | 105.8631% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 2,214 |
| Noncurrent loans to loans | 0.7768% | 1,959 |
| Net loans and leases to total assets | 67.2141% | 2,798 |
| Net loans and leases to deposits | 79.8965% | 2,789 |
| Net loans and leases to core deposits | 82.5633% | 3,080 |
| Total domestic deposits to total assets | 84.1264% | 2,810 |
| Equity capital to assets | 15.0450% | 779 |
| Core capital (leverage) ratio | 10.9067% | 2,587 |
| Tier 1 risk-based capital ratio | 14.0198% | 3,266 |
| Total risk-based capital ratio | 14.7673% | 3,409 |
| Memoranda: | ||
| Average total assets | $957,183,000 | 821 |
| Average earning assets | $862,297,000 | 841 |
| Average equity | $141,248,000 | 660 |
| Average total loans | $651,942,200 | 852 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 1,432 |
| Cost of funding earning assets | 0.5132% | 4,089 |
| Net interest margin | 4.5314% | 714 |
| Noninterest income to average assets | 0.1465% | 4,814 |
| Noninterest expense to average assets | 2.2631% | 4,043 |
| Loan and lease loss provision to assets | 0.2245% | 764 |
| Net operating income to assets | 1.2416% | 2,045 |
| Return on assets (ROA) | 1.2450% | 2,111 |
| Pretax return on assets | 1.7289% | 1,251 |
| Return on Equity (ROE) | 8.4796% | 3,125 |
| Retained earnings to average equity (ytd only) | 8.4796% | 1,211 |
| Net charge-offs to loans | -0.0033% | 4,123 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7404% | 4,620 |
| Assets per employee ($millions) | 8.9857% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 3,997 |
| Loan loss allowance to noncurrent loans | 84.2668% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 1,851 |
| Noncurrent loans to loans | 1.0812% | 1,467 |
| Net loans and leases to total assets | 65.2924% | 3,145 |
| Net loans and leases to deposits | 77.2222% | 3,177 |
| Net loans and leases to core deposits | 79.7423% | 3,406 |
| Total domestic deposits to total assets | 84.5513% | 2,605 |
| Equity capital to assets | 14.6104% | 951 |
| Core capital (leverage) ratio | 10.8967% | 2,739 |
| Tier 1 risk-based capital ratio | 13.8390% | 3,405 |
| Total risk-based capital ratio | 14.6699% | 3,522 |
| Memoranda: | ||
| Average total assets | $950,254,250 | 825 |
| Average earning assets | $852,602,000 | 850 |
| Average equity | $139,515,500 | 662 |
| Average total loans | $648,058,000 | 854 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1212% | 1,169 |
| Cost of funding earning assets | 0.4882% | 4,173 |
| Net interest margin | 4.6330% | 576 |
| Noninterest income to average assets | 0.1430% | 4,853 |
| Noninterest expense to average assets | 2.3192% | 3,956 |
| Loan and lease loss provision to assets | 0.2354% | 679 |
| Net operating income to assets | 1.2378% | 2,015 |
| Return on assets (ROA) | 1.2425% | 2,044 |
| Pretax return on assets | 1.7232% | 1,231 |
| Return on Equity (ROE) | 8.4485% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.4485% | 1,224 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2319% | 4,639 |
| Assets per employee ($millions) | 8.3513% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 4,296 |
| Loan loss allowance to noncurrent loans | 75.0754% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 1,746 |
| Noncurrent loans to loans | 1.1233% | 1,453 |
| Net loans and leases to total assets | 68.1909% | 2,786 |
| Net loans and leases to deposits | 81.1059% | 2,834 |
| Net loans and leases to core deposits | 84.1967% | 3,089 |
| Total domestic deposits to total assets | 84.0764% | 2,828 |
| Equity capital to assets | 15.0407% | 798 |
| Core capital (leverage) ratio | 10.9059% | 2,685 |
| Tier 1 risk-based capital ratio | 13.2935% | 3,696 |
| Total risk-based capital ratio | 14.0497% | 3,849 |
| Memoranda: | ||
| Average total assets | $934,534,670 | 831 |
| Average earning assets | $832,846,670 | 863 |
| Average equity | $137,445,330 | 667 |
| Average total loans | $645,003,000 | 860 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 1,197 |
| Cost of funding earning assets | 0.4542% | 4,268 |
| Net interest margin | 4.6032% | 605 |
| Noninterest income to average assets | 0.1467% | 4,862 |
| Noninterest expense to average assets | 2.3347% | 3,938 |
| Loan and lease loss provision to assets | 0.1075% | 1,650 |
| Net operating income to assets | 1.2852% | 1,753 |
| Return on assets (ROA) | 1.2852% | 1,794 |
| Pretax return on assets | 1.7631% | 1,069 |
| Return on Equity (ROE) | 8.8403% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.8403% | 1,375 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3702% | 4,590 |
| Assets per employee ($millions) | 8.4658% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 4,724 |
| Loan loss allowance to noncurrent loans | 463.6911% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 4,102 |
| Noncurrent loans to loans | 0.1568% | 4,039 |
| Net loans and leases to total assets | 67.7869% | 2,782 |
| Net loans and leases to deposits | 80.3330% | 2,798 |
| Net loans and leases to core deposits | 84.1662% | 3,013 |
| Total domestic deposits to total assets | 84.3824% | 2,908 |
| Equity capital to assets | 14.7504% | 804 |
| Core capital (leverage) ratio | 10.8663% | 2,695 |
| Tier 1 risk-based capital ratio | 13.0709% | 3,842 |
| Total risk-based capital ratio | 13.7196% | 4,055 |
| Memoranda: | ||
| Average total assets | $929,956,000 | 838 |
| Average earning assets | $819,958,500 | 875 |
| Average equity | $135,199,000 | 673 |
| Average total loans | $643,012,000 | 868 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 873 |
| Cost of funding earning assets | 0.3441% | 4,318 |
| Net interest margin | 4.7423% | 451 |
| Noninterest income to average assets | 0.2084% | 4,670 |
| Noninterest expense to average assets | 2.4829% | 3,662 |
| Loan and lease loss provision to assets | 0.1672% | 1,207 |
| Net operating income to assets | 1.2977% | 1,811 |
| Return on assets (ROA) | 1.2977% | 1,801 |
| Pretax return on assets | 1.7915% | 945 |
| Return on Equity (ROE) | 9.6106% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.6106% | 706 |
| Net charge-offs to loans | 0.0588% | 2,300 |
| Credit loss provision to net charge-offs | 409.6774% | 812 |
| Earnings coverage of net charge-offs (x) | 47.9935% | 1,161 |
| Efficiency ratio | 54.1141% | 4,610 |
| Assets per employee ($millions) | 8.5989% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6726% | 4,861 |
| Loan loss allowance to noncurrent loans | 557.7806% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,236 |
| Noncurrent loans to loans | 0.1206% | 4,186 |
| Net loans and leases to total assets | 69.5369% | 2,645 |
| Net loans and leases to deposits | 81.6383% | 2,778 |
| Net loans and leases to core deposits | 87.4491% | 2,793 |
| Total domestic deposits to total assets | 85.1768% | 2,572 |
| Equity capital to assets | 14.3254% | 884 |
| Core capital (leverage) ratio | 10.5664% | 2,957 |
| Tier 1 risk-based capital ratio | 12.5250% | 4,120 |
| Total risk-based capital ratio | 13.1359% | 4,390 |
| Memoranda: | ||
| Average total assets | $759,599,400 | 991 |
| Average earning assets | $678,046,800 | 1,018 |
| Average equity | $102,564,000 | 830 |
| Average total loans | $527,546,200 | 995 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 1,052 |
| Cost of funding earning assets | 0.3031% | 4,495 |
| Net interest margin | 4.6428% | 539 |
| Noninterest income to average assets | 0.2349% | 4,568 |
| Noninterest expense to average assets | 2.5706% | 3,378 |
| Loan and lease loss provision to assets | 0.1710% | 1,091 |
| Net operating income to assets | 1.1836% | 2,300 |
| Return on assets (ROA) | 1.1836% | 2,306 |
| Pretax return on assets | 1.6496% | 1,421 |
| Return on Equity (ROE) | 8.9424% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.9424% | 1,242 |
| Net charge-offs to loans | 0.0835% | 1,685 |
| Credit loss provision to net charge-offs | 295.8199% | 1,036 |
| Earnings coverage of net charge-offs (x) | 31.4949% | 1,565 |
| Efficiency ratio | 56.9058% | 4,265 |
| Assets per employee ($millions) | 8.5992% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 5,003 |
| Loan loss allowance to noncurrent loans | 1,087.0270% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 4,595 |
| Noncurrent loans to loans | 0.0578% | 4,633 |
| Net loans and leases to total assets | 69.8283% | 2,676 |
| Net loans and leases to deposits | 81.9649% | 2,823 |
| Net loans and leases to core deposits | 88.2493% | 2,826 |
| Total domestic deposits to total assets | 85.1929% | 2,527 |
| Equity capital to assets | 14.2854% | 883 |
| Core capital (leverage) ratio | 10.2907% | 3,300 |
| Tier 1 risk-based capital ratio | 11.9914% | 4,506 |
| Total risk-based capital ratio | 12.5537% | 4,790 |
| Memoranda: | ||
| Average total assets | $717,330,000 | 1,034 |
| Average earning assets | $642,151,250 | 1,063 |
| Average equity | $94,945,750 | 887 |
| Average total loans | $496,896,250 | 1,059 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 2,024 |
| Cost of funding earning assets | 0.2540% | 4,732 |
| Net interest margin | 4.2672% | 1,116 |
| Noninterest income to average assets | 0.2780% | 4,328 |
| Noninterest expense to average assets | 2.7137% | 2,968 |
| Loan and lease loss provision to assets | 0.1747% | 1,044 |
| Net operating income to assets | 0.8780% | 3,550 |
| Return on assets (ROA) | 0.8780% | 3,554 |
| Pretax return on assets | 1.2464% | 2,739 |
| Return on Equity (ROE) | 6.8878% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.8878% | 2,119 |
| Net charge-offs to loans | 0.1390% | 1,082 |
| Credit loss provision to net charge-offs | 182.6923% | 1,392 |
| Earnings coverage of net charge-offs (x) | 14.8622% | 2,075 |
| Efficiency ratio | 64.3789% | 3,270 |
| Assets per employee ($millions) | 8.3304% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 5,134 |
| Loan loss allowance to noncurrent loans | 893.1873% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,807 |
| Noncurrent loans to loans | 0.0651% | 4,630 |
| Net loans and leases to total assets | 71.0284% | 2,430 |
| Net loans and leases to deposits | 84.1006% | 2,523 |
| Net loans and leases to core deposits | 91.3595% | 2,449 |
| Total domestic deposits to total assets | 84.4564% | 2,893 |
| Equity capital to assets | 14.3902% | 837 |
| Core capital (leverage) ratio | 12.7167% | 1,341 |
| Tier 1 risk-based capital ratio | 11.6579% | 4,712 |
| Total risk-based capital ratio | 12.1818% | 4,981 |
| Memoranda: | ||
| Average total assets | $652,603,000 | 1,122 |
| Average earning assets | $589,852,000 | 1,139 |
| Average equity | $83,190,000 | 992 |
| Average total loans | $449,023,330 | 1,148 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,567 |
| Cost of funding earning assets | 0.2160% | 4,923 |
| Net interest margin | 4.3862% | 792 |
| Noninterest income to average assets | 0.1824% | 4,936 |
| Noninterest expense to average assets | 2.5158% | 3,595 |
| Loan and lease loss provision to assets | 0.1563% | 1,157 |
| Net operating income to assets | 1.0837% | 2,504 |
| Return on assets (ROA) | 1.0837% | 2,521 |
| Pretax return on assets | 1.5467% | 1,539 |
| Return on Equity (ROE) | 9.5085% | 2,673 |
| Retained earnings to average equity (ytd only) | 9.5085% | 1,304 |
| Net charge-offs to loans | 0.0268% | 1,960 |
| Credit loss provision to net charge-offs | 875.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 95.3333% | 634 |
| Efficiency ratio | 58.6097% | 4,275 |
| Assets per employee ($millions) | 7.6883% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 4,012 |
| Loan loss allowance to noncurrent loans | 512.6781% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 4,157 |
| Noncurrent loans to loans | 0.1935% | 4,096 |
| Net loans and leases to total assets | 65.8098% | 3,061 |
| Net loans and leases to deposits | 74.3109% | 3,386 |
| Net loans and leases to core deposits | 80.0052% | 3,323 |
| Total domestic deposits to total assets | 88.5601% | 1,325 |
| Equity capital to assets | 11.3001% | 2,302 |
| Core capital (leverage) ratio | 11.0141% | 2,423 |
| Tier 1 risk-based capital ratio | 13.6173% | 3,591 |
| Total risk-based capital ratio | 14.4652% | 3,733 |
| Memoranda: | ||
| Average total assets | $537,393,500 | 1,334 |
| Average earning assets | $494,550,500 | 1,340 |
| Average equity | $61,250,500 | 1,301 |
| Average total loans | $358,101,500 | 1,373 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9589% | 697 |
| Cost of funding earning assets | 0.2296% | 4,731 |
| Net interest margin | 4.7293% | 400 |
| Noninterest income to average assets | 0.2377% | 4,712 |
| Noninterest expense to average assets | 2.7190% | 3,067 |
| Loan and lease loss provision to assets | 0.1945% | 1,077 |
| Net operating income to assets | 0.6853% | 3,658 |
| Return on assets (ROA) | 0.6931% | 3,683 |
| Pretax return on assets | 1.6620% | 1,118 |
| Return on Equity (ROE) | 5.7030% | 3,869 |
| Retained earnings to average equity (ytd only) | 5.7030% | 1,707 |
| Net charge-offs to loans | 0.0099% | 3,735 |
| Credit loss provision to net charge-offs | 2,878.7879% | 142 |
| Earnings coverage of net charge-offs (x) | 273.0000% | 308 |
| Efficiency ratio | 58.4066% | 4,482 |
| Assets per employee ($millions) | 7.2454% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,128 |
| Loan loss allowance to noncurrent loans | 519.4825% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,212 |
| Noncurrent loans to loans | 0.1859% | 4,172 |
| Net loans and leases to total assets | 66.1644% | 3,082 |
| Net loans and leases to deposits | 74.9519% | 3,434 |
| Net loans and leases to core deposits | 80.8943% | 3,348 |
| Total domestic deposits to total assets | 88.2759% | 1,357 |
| Equity capital to assets | 11.4984% | 2,203 |
| Core capital (leverage) ratio | 10.5823% | 2,758 |
| Tier 1 risk-based capital ratio | 13.6331% | 3,555 |
| Total risk-based capital ratio | 14.4734% | 3,706 |
| Memoranda: | ||
| Average total assets | $488,519,800 | 1,434 |
| Average earning assets | $446,812,600 | 1,443 |
| Average equity | $59,372,400 | 1,321 |
| Average total loans | $332,379,600 | 1,439 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 654 |
| Cost of funding earning assets | 0.2282% | 4,754 |
| Net interest margin | 4.7385% | 384 |
| Noninterest income to average assets | 0.2561% | 4,671 |
| Noninterest expense to average assets | 2.7738% | 2,817 |
| Loan and lease loss provision to assets | 0.2648% | 631 |
| Net operating income to assets | 0.9017% | 3,018 |
| Return on assets (ROA) | 0.9124% | 3,020 |
| Pretax return on assets | 1.5693% | 1,517 |
| Return on Equity (ROE) | 7.3973% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.3973% | 1,492 |
| Net charge-offs to loans | 0.0135% | 3,260 |
| Credit loss provision to net charge-offs | 2,878.7879% | 154 |
| Earnings coverage of net charge-offs (x) | 197.6011% | 439 |
| Efficiency ratio | 59.2206% | 4,326 |
| Assets per employee ($millions) | 7.3522% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 4,175 |
| Loan loss allowance to noncurrent loans | 208.7462% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,557 |
| Noncurrent loans to loans | 0.4705% | 3,284 |
| Net loans and leases to total assets | 64.9963% | 3,249 |
| Net loans and leases to deposits | 73.6062% | 3,614 |
| Net loans and leases to core deposits | 79.0131% | 3,536 |
| Total domestic deposits to total assets | 88.3028% | 1,211 |
| Equity capital to assets | 11.5105% | 2,361 |
| Core capital (leverage) ratio | 11.1957% | 2,284 |
| Tier 1 risk-based capital ratio | 13.5142% | 3,693 |
| Total risk-based capital ratio | 14.3479% | 3,856 |
| Memoranda: | ||
| Average total assets | $478,420,500 | 1,468 |
| Average earning assets | $437,683,500 | 1,492 |
| Average equity | $59,011,250 | 1,340 |
| Average total loans | $327,132,500 | 1,468 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 544 |
| Cost of funding earning assets | 0.2447% | 4,591 |
| Net interest margin | 4.7766% | 338 |
| Noninterest income to average assets | 0.2323% | 4,843 |
| Noninterest expense to average assets | 2.9282% | 2,333 |
| Loan and lease loss provision to assets | 0.2601% | 632 |
| Net operating income to assets | 0.8103% | 3,354 |
| Return on assets (ROA) | 0.8270% | 3,318 |
| Pretax return on assets | 1.4264% | 1,911 |
| Return on Equity (ROE) | 6.5375% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.5375% | 1,824 |
| Net charge-offs to loans | 0.0206% | 2,822 |
| Credit loss provision to net charge-offs | 1,818.1818% | 230 |
| Earnings coverage of net charge-offs (x) | 116.0909% | 586 |
| Efficiency ratio | 62.5673% | 3,897 |
| Assets per employee ($millions) | 6.4672% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 4,603 |
| Loan loss allowance to noncurrent loans | 146.3450% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 0.4962% | 3,104 |
| Noncurrent loans to loans | 0.6210% | 2,873 |
| Net loans and leases to total assets | 68.8580% | 2,685 |
| Net loans and leases to deposits | 78.6664% | 3,049 |
| Net loans and leases to core deposits | 86.1336% | 2,865 |
| Total domestic deposits to total assets | 87.5316% | 1,701 |
| Equity capital to assets | 12.2831% | 1,740 |
| Core capital (leverage) ratio | 11.6840% | 1,842 |
| Tier 1 risk-based capital ratio | 13.2117% | 3,867 |
| Total risk-based capital ratio | 13.9630% | 4,086 |
| Memoranda: | ||
| Average total assets | $461,441,000 | 1,519 |
| Average earning assets | $420,846,000 | 1,545 |
| Average equity | $58,371,000 | 1,353 |
| Average total loans | $320,351,000 | 1,489 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 660 |
| Cost of funding earning assets | 0.2418% | 4,612 |
| Net interest margin | 4.6307% | 425 |
| Noninterest income to average assets | 0.2073% | 5,031 |
| Noninterest expense to average assets | 3.2177% | 1,558 |
| Loan and lease loss provision to assets | 0.1779% | 982 |
| Net operating income to assets | 0.5841% | 4,223 |
| Return on assets (ROA) | 0.6183% | 4,128 |
| Pretax return on assets | 1.0737% | 3,076 |
| Return on Equity (ROE) | 4.8124% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.8124% | 3,005 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6559% | 2,636 |
| Assets per employee ($millions) | 6.1031% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 4,920 |
| Loan loss allowance to noncurrent loans | 136.5570% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 2,924 |
| Noncurrent loans to loans | 0.6240% | 2,954 |
| Net loans and leases to total assets | 69.4785% | 2,465 |
| Net loans and leases to deposits | 79.9544% | 2,764 |
| Net loans and leases to core deposits | 88.9804% | 2,455 |
| Total domestic deposits to total assets | 86.8977% | 2,268 |
| Equity capital to assets | 12.8969% | 1,303 |
| Core capital (leverage) ratio | 11.9205% | 1,680 |
| Tier 1 risk-based capital ratio | 13.6233% | 3,702 |
| Total risk-based capital ratio | 14.3223% | 3,938 |
| Memoranda: | ||
| Average total assets | $449,640,500 | 1,571 |
| Average earning assets | $408,665,000 | 1,596 |
| Average equity | $57,767,500 | 1,361 |
| Average total loans | $312,000,000 | 1,521 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 1,683 |
| Cost of funding earning assets | 0.2070% | 4,947 |
| Net interest margin | 4.2447% | 1,023 |
| Noninterest income to average assets | 0.3220% | 4,436 |
| Noninterest expense to average assets | 3.2598% | 1,668 |
| Loan and lease loss provision to assets | 0.0687% | 2,990 |
| Net operating income to assets | 0.5064% | 4,607 |
| Return on assets (ROA) | 0.5064% | 4,682 |
| Pretax return on assets | 0.9237% | 3,754 |
| Return on Equity (ROE) | 3.9548% | 4,847 |
| Retained earnings to average equity (ytd only) | 3.9548% | 3,106 |
| Net charge-offs to loans | -0.0063% | 4,850 |
| Credit loss provision to net charge-offs | -1,566.6667% | 5,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6614% | 1,895 |
| Assets per employee ($millions) | 6.1322% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 5,077 |
| Loan loss allowance to noncurrent loans | 188.6621% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 3,369 |
| Noncurrent loans to loans | 0.4302% | 3,601 |
| Net loans and leases to total assets | 68.1382% | 2,750 |
| Net loans and leases to deposits | 78.4146% | 3,055 |
| Net loans and leases to core deposits | 87.3483% | 2,744 |
| Total domestic deposits to total assets | 86.8947% | 2,203 |
| Equity capital to assets | 12.7977% | 1,351 |
| Core capital (leverage) ratio | 11.6996% | 1,791 |
| Tier 1 risk-based capital ratio | 13.8579% | 3,543 |
| Total risk-based capital ratio | 14.5240% | 3,827 |
| Memoranda: | ||
| Average total assets | $342,194,000 | 1,939 |
| Average earning assets | $316,845,000 | 1,934 |
| Average equity | $43,820,000 | 1,691 |
| Average total loans | $237,545,800 | 1,862 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6958% | 1,074 |
| Cost of funding earning assets | 0.2027% | 5,044 |
| Net interest margin | 4.4931% | 644 |
| Noninterest income to average assets | 0.4040% | 3,895 |
| Noninterest expense to average assets | 3.2852% | 1,596 |
| Loan and lease loss provision to assets | 0.0992% | 2,244 |
| Net operating income to assets | 0.6852% | 3,932 |
| Return on assets (ROA) | 0.6852% | 4,063 |
| Pretax return on assets | 1.2116% | 2,787 |
| Return on Equity (ROE) | 5.3493% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.3493% | 2,587 |
| Net charge-offs to loans | -0.0091% | 4,747 |
| Credit loss provision to net charge-offs | -1,566.6667% | 5,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4797% | 2,656 |
| Assets per employee ($millions) | 6.3075% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,698 |
| Loan loss allowance to noncurrent loans | 102.9278% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 2,387 |
| Noncurrent loans to loans | 1.0933% | 2,069 |
| Net loans and leases to total assets | 62.0897% | 3,630 |
| Net loans and leases to deposits | 70.6248% | 3,925 |
| Net loans and leases to core deposits | 80.8039% | 3,369 |
| Total domestic deposits to total assets | 87.9149% | 1,438 |
| Equity capital to assets | 11.7782% | 2,281 |
| Core capital (leverage) ratio | 12.4235% | 1,430 |
| Tier 1 risk-based capital ratio | 15.1335% | 2,981 |
| Total risk-based capital ratio | 16.0562% | 3,077 |
| Memoranda: | ||
| Average total assets | $315,829,500 | 2,089 |
| Average earning assets | $294,664,250 | 2,081 |
| Average equity | $40,452,750 | 1,843 |
| Average total loans | $220,052,750 | 1,980 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 895 |
| Cost of funding earning assets | 0.1880% | 5,252 |
| Net interest margin | 4.6073% | 501 |
| Noninterest income to average assets | 0.4008% | 3,865 |
| Noninterest expense to average assets | 3.4500% | 1,262 |
| Loan and lease loss provision to assets | 0.1549% | 1,474 |
| Net operating income to assets | 0.6243% | 4,171 |
| Return on assets (ROA) | 0.6243% | 4,299 |
| Pretax return on assets | 1.0931% | 3,226 |
| Return on Equity (ROE) | 4.7268% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.7268% | 2,911 |
| Net charge-offs to loans | -0.0137% | 4,794 |
| Credit loss provision to net charge-offs | -1,566.6667% | 5,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4353% | 2,443 |
| Assets per employee ($millions) | 5.6568% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 4,052 |
| Loan loss allowance to noncurrent loans | 96.9697% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 2,116 |
| Noncurrent loans to loans | 1.1135% | 2,064 |
| Net loans and leases to total assets | 72.1817% | 2,136 |
| Net loans and leases to deposits | 83.1605% | 2,573 |
| Net loans and leases to core deposits | 96.2969% | 1,952 |
| Total domestic deposits to total assets | 86.7981% | 2,012 |
| Equity capital to assets | 12.9168% | 1,557 |
| Core capital (leverage) ratio | 13.3098% | 1,054 |
| Tier 1 risk-based capital ratio | 14.8334% | 3,148 |
| Total risk-based capital ratio | 15.7543% | 3,245 |
| Memoranda: | ||
| Average total assets | $303,365,670 | 2,160 |
| Average earning assets | $282,944,670 | 2,155 |
| Average equity | $40,069,330 | 1,853 |
| Average total loans | $219,467,000 | 1,986 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 1,097 |
| Cost of funding earning assets | 0.1764% | 5,408 |
| Net interest margin | 4.5012% | 607 |
| Noninterest income to average assets | 0.1739% | 5,453 |
| Noninterest expense to average assets | 3.5583% | 1,086 |
| Loan and lease loss provision to assets | 0.1605% | 1,295 |
| Net operating income to assets | 0.3641% | 5,097 |
| Return on assets (ROA) | 0.3641% | 5,179 |
| Pretax return on assets | 0.6526% | 4,670 |
| Return on Equity (ROE) | 2.7242% | 5,318 |
| Retained earnings to average equity (ytd only) | 2.7242% | 4,147 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4004% | 1,438 |
| Assets per employee ($millions) | 5.7006% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 4,165 |
| Loan loss allowance to noncurrent loans | 81.3274% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1956% | 1,832 |
| Noncurrent loans to loans | 1.3287% | 1,796 |
| Net loans and leases to total assets | 73.0363% | 1,881 |
| Net loans and leases to deposits | 84.6710% | 2,227 |
| Net loans and leases to core deposits | 94.9375% | 1,893 |
| Total domestic deposits to total assets | 86.2589% | 2,564 |
| Equity capital to assets | 13.4800% | 1,184 |
| Core capital (leverage) ratio | 13.3774% | 1,028 |
| Tier 1 risk-based capital ratio | 15.2515% | 3,041 |
| Total risk-based capital ratio | 16.1688% | 3,134 |
| Memoranda: | ||
| Average total assets | $296,658,000 | 2,205 |
| Average earning assets | $276,636,000 | 2,202 |
| Average equity | $39,645,000 | 1,862 |
| Average total loans | $213,623,500 | 2,025 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 2,224 |
| Cost of funding earning assets | 0.1847% | 5,404 |
| Net interest margin | 4.1180% | 1,367 |
| Noninterest income to average assets | 0.3433% | 4,460 |
| Noninterest expense to average assets | 3.2831% | 1,754 |
| Loan and lease loss provision to assets | 0.2364% | 817 |
| Net operating income to assets | 0.4116% | 5,017 |
| Return on assets (ROA) | 0.4116% | 5,099 |
| Pretax return on assets | 0.7418% | 4,397 |
| Return on Equity (ROE) | 2.9936% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.9936% | 3,932 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0457% | 2,110 |
| Assets per employee ($millions) | 5.3979% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 4,163 |
| Loan loss allowance to noncurrent loans | 57.3105% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 1.5386% | 1,297 |
| Noncurrent loans to loans | 1.8807% | 1,140 |
| Net loans and leases to total assets | 69.4322% | 2,463 |
| Net loans and leases to deposits | 80.3083% | 2,790 |
| Net loans and leases to core deposits | 89.3333% | 2,463 |
| Total domestic deposits to total assets | 86.4570% | 2,403 |
| Equity capital to assets | 13.2479% | 1,233 |
| Core capital (leverage) ratio | 12.1812% | 1,514 |
| Tier 1 risk-based capital ratio | 14.7896% | 3,281 |
| Total risk-based capital ratio | 15.7160% | 3,371 |
| Memoranda: | ||
| Average total assets | $220,827,000 | 2,736 |
| Average earning assets | $210,102,800 | 2,679 |
| Average equity | $30,364,600 | 2,294 |
| Average total loans | $149,666,400 | 2,600 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 1,692 |
| Cost of funding earning assets | 0.1860% | 5,492 |
| Net interest margin | 4.2840% | 990 |
| Noninterest income to average assets | 0.1407% | 5,779 |
| Noninterest expense to average assets | 3.2174% | 1,923 |
| Loan and lease loss provision to assets | 0.2365% | 754 |
| Net operating income to assets | 0.4255% | 5,068 |
| Return on assets (ROA) | 0.4255% | 5,152 |
| Pretax return on assets | 0.7802% | 4,396 |
| Return on Equity (ROE) | 3.0532% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.0532% | 4,269 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9869% | 2,255 |
| Assets per employee ($millions) | 5.4509% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,594 |
| Loan loss allowance to noncurrent loans | 1,301.2500% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 5,465 |
| Noncurrent loans to loans | 0.1076% | 5,202 |
| Net loans and leases to total assets | 67.2173% | 2,815 |
| Net loans and leases to deposits | 78.5005% | 3,050 |
| Net loans and leases to core deposits | 87.9737% | 2,662 |
| Total domestic deposits to total assets | 85.6267% | 2,723 |
| Equity capital to assets | 14.1123% | 983 |
| Core capital (leverage) ratio | 13.7071% | 944 |
| Tier 1 risk-based capital ratio | 16.1137% | 2,748 |
| Total risk-based capital ratio | 17.2880% | 2,728 |
| Memoranda: | ||
| Average total assets | $201,812,750 | 2,949 |
| Average earning assets | $192,836,750 | 2,886 |
| Average equity | $28,123,000 | 2,465 |
| Average total loans | $134,988,250 | 2,820 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,179 |
| Cost of funding earning assets | 0.1896% | 5,529 |
| Net interest margin | 4.1066% | 1,333 |
| Noninterest income to average assets | 0.1151% | 5,968 |
| Noninterest expense to average assets | 3.1130% | 2,210 |
| Loan and lease loss provision to assets | 0.2230% | 848 |
| Net operating income to assets | 0.3554% | 5,275 |
| Return on assets (ROA) | 0.3554% | 5,388 |
| Pretax return on assets | 0.7047% | 4,635 |
| Return on Equity (ROE) | 2.5623% | 5,541 |
| Retained earnings to average equity (ytd only) | 2.5623% | 4,423 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0413% | 2,197 |
| Assets per employee ($millions) | 5.2680% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 2,776 |
| Loan loss allowance to noncurrent loans | 475.0611% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 5,074 |
| Noncurrent loans to loans | 0.2939% | 4,627 |
| Net loans and leases to total assets | 66.7819% | 2,823 |
| Net loans and leases to deposits | 78.5118% | 2,969 |
| Net loans and leases to core deposits | 88.9935% | 2,454 |
| Total domestic deposits to total assets | 85.0597% | 3,097 |
| Equity capital to assets | 14.7359% | 760 |
| Core capital (leverage) ratio | 14.4458% | 723 |
| Tier 1 risk-based capital ratio | 17.2246% | 2,314 |
| Total risk-based capital ratio | 18.4174% | 2,292 |
| Memoranda: | ||
| Average total assets | $196,405,000 | 3,029 |
| Average earning assets | $187,745,330 | 2,954 |
| Average equity | $27,240,670 | 2,543 |
| Average total loans | $130,437,670 | 2,903 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2706% | 2,191 |
| Cost of funding earning assets | 0.2033% | 5,484 |
| Net interest margin | 4.0673% | 1,364 |
| Noninterest income to average assets | 0.1063% | 6,050 |
| Noninterest expense to average assets | 3.1102% | 2,239 |
| Loan and lease loss provision to assets | 0.1230% | 1,692 |
| Net operating income to assets | 0.4086% | 5,040 |
| Return on assets (ROA) | 0.4086% | 5,151 |
| Pretax return on assets | 0.7525% | 4,419 |
| Return on Equity (ROE) | 3.0478% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.0478% | 4,151 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0335% | 2,182 |
| Assets per employee ($millions) | 5.9129% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 2,914 |
| Loan loss allowance to noncurrent loans | 634.5196% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 5,381 |
| Noncurrent loans to loans | 0.2208% | 4,986 |
| Net loans and leases to total assets | 64.3203% | 3,050 |
| Net loans and leases to deposits | 75.9743% | 3,059 |
| Net loans and leases to core deposits | 87.1859% | 2,415 |
| Total domestic deposits to total assets | 84.6606% | 3,556 |
| Equity capital to assets | 15.1539% | 690 |
| Core capital (leverage) ratio | 14.9356% | 620 |
| Tier 1 risk-based capital ratio | 18.1154% | 2,101 |
| Total risk-based capital ratio | 19.2851% | 2,079 |
| Memoranda: | ||
| Average total assets | $191,882,000 | 3,096 |
| Average earning assets | $183,019,500 | 3,030 |
| Average equity | $25,723,500 | 2,687 |
| Average total loans | $126,083,000 | 2,982 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 2,805 |
| Cost of funding earning assets | 0.2920% | 4,869 |
| Net interest margin | 3.9515% | 2,047 |
| Noninterest income to average assets | 0.2273% | 5,498 |
| Noninterest expense to average assets | 3.3154% | 1,889 |
| Loan and lease loss provision to assets | 0.1945% | 1,316 |
| Net operating income to assets | 0.2409% | 5,682 |
| Return on assets (ROA) | 0.2453% | 5,724 |
| Pretax return on assets | 0.4620% | 5,351 |
| Return on Equity (ROE) | 2.1164% | 5,740 |
| Retained earnings to average equity (ytd only) | 2.1164% | 4,721 |
| Net charge-offs to loans | 0.0074% | 4,774 |
| Credit loss provision to net charge-offs | 3,925.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 131.1250% | 409 |
| Efficiency ratio | 83.6145% | 1,461 |
| Assets per employee ($millions) | 5.8950% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 3,049 |
| Loan loss allowance to noncurrent loans | 495.1149% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 5,291 |
| Noncurrent loans to loans | 0.2787% | 4,851 |
| Net loans and leases to total assets | 65.2861% | 3,003 |
| Net loans and leases to deposits | 74.0039% | 3,438 |
| Net loans and leases to core deposits | 84.8748% | 2,795 |
| Total domestic deposits to total assets | 88.2198% | 1,651 |
| Equity capital to assets | 11.5978% | 2,346 |
| Core capital (leverage) ratio | 11.0591% | 2,350 |
| Tier 1 risk-based capital ratio | 13.5160% | 4,404 |
| Total risk-based capital ratio | 14.6783% | 4,392 |
| Memoranda: | ||
| Average total assets | $161,459,600 | 3,469 |
| Average earning assets | $152,725,200 | 3,398 |
| Average equity | $18,711,200 | 3,322 |
| Average total loans | $108,194,000 | 3,263 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 2,867 |
| Cost of funding earning assets | 0.3013% | 4,876 |
| Net interest margin | 3.9332% | 2,102 |
| Noninterest income to average assets | 0.2638% | 5,325 |
| Noninterest expense to average assets | 3.4129% | 1,633 |
| Loan and lease loss provision to assets | 0.1517% | 1,642 |
| Net operating income to assets | 0.2181% | 5,811 |
| Return on assets (ROA) | 0.2241% | 5,848 |
| Pretax return on assets | 0.4224% | 5,536 |
| Return on Equity (ROE) | 1.9345% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.9345% | 5,088 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8041% | 1,198 |
| Assets per employee ($millions) | 5.6057% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 3,432 |
| Loan loss allowance to noncurrent loans | 421.4286% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 5,378 |
| Noncurrent loans to loans | 0.3187% | 4,952 |
| Net loans and leases to total assets | 65.2275% | 2,993 |
| Net loans and leases to deposits | 74.1583% | 3,415 |
| Net loans and leases to core deposits | 85.7282% | 2,691 |
| Total domestic deposits to total assets | 87.9571% | 1,794 |
| Equity capital to assets | 11.8467% | 2,195 |
| Core capital (leverage) ratio | 11.5495% | 2,025 |
| Tier 1 risk-based capital ratio | 13.4396% | 4,583 |
| Total risk-based capital ratio | 14.5578% | 4,607 |
| Memoranda: | ||
| Average total assets | $154,664,750 | 3,594 |
| Average earning assets | $146,033,500 | 3,537 |
| Average equity | $17,919,500 | 3,427 |
| Average total loans | $104,023,000 | 3,373 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 2,716 |
| Cost of funding earning assets | 0.3284% | 4,659 |
| Net interest margin | 3.9377% | 2,019 |
| Noninterest income to average assets | 0.1912% | 5,813 |
| Noninterest expense to average assets | 3.5964% | 1,304 |
| Loan and lease loss provision to assets | 0.0628% | 3,011 |
| Net operating income to assets | 0.1147% | 6,018 |
| Return on assets (ROA) | 0.1147% | 6,062 |
| Pretax return on assets | 0.2336% | 5,902 |
| Return on Equity (ROE) | 0.9995% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.9995% | 5,357 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3860% | 741 |
| Assets per employee ($millions) | 4.7247% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 3,441 |
| Loan loss allowance to noncurrent loans | 348.3333% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 5,310 |
| Noncurrent loans to loans | 0.3968% | 4,800 |
| Net loans and leases to total assets | 64.9861% | 2,909 |
| Net loans and leases to deposits | 73.1822% | 3,432 |
| Net loans and leases to core deposits | 84.3334% | 2,701 |
| Total domestic deposits to total assets | 88.8004% | 1,472 |
| Equity capital to assets | 10.9986% | 2,875 |
| Core capital (leverage) ratio | 10.3306% | 3,164 |
| Tier 1 risk-based capital ratio | 12.2558% | 5,380 |
| Total risk-based capital ratio | 13.4192% | 5,357 |
| Memoranda: | ||
| Average total assets | $146,425,330 | 3,737 |
| Average earning assets | $137,643,330 | 3,683 |
| Average equity | $16,809,000 | 3,563 |
| Average total loans | $99,164,000 | 3,470 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2356% | 2,742 |
| Cost of funding earning assets | 0.3492% | 4,550 |
| Net interest margin | 3.8864% | 2,133 |
| Noninterest income to average assets | 0.2871% | 5,075 |
| Noninterest expense to average assets | 3.6320% | 1,247 |
| Loan and lease loss provision to assets | 0.0890% | 2,430 |
| Net operating income to assets | 0.1206% | 5,981 |
| Return on assets (ROA) | 0.1206% | 6,015 |
| Pretax return on assets | 0.2412% | 5,851 |
| Return on Equity (ROE) | 1.0257% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.0257% | 5,185 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6667% | 900 |
| Assets per employee ($millions) | 4.7612% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 3,200 |
| Loan loss allowance to noncurrent loans | 354.0342% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 5,369 |
| Noncurrent loans to loans | 0.4197% | 4,876 |
| Net loans and leases to total assets | 63.0104% | 3,071 |
| Net loans and leases to deposits | 70.7593% | 3,502 |
| Net loans and leases to core deposits | 80.8241% | 2,871 |
| Total domestic deposits to total assets | 89.0489% | 1,628 |
| Equity capital to assets | 10.7693% | 2,963 |
| Core capital (leverage) ratio | 10.0070% | 3,567 |
| Tier 1 risk-based capital ratio | 12.1998% | 5,506 |
| Total risk-based capital ratio | 13.2243% | 5,593 |
| Memoranda: | ||
| Average total assets | $139,318,500 | 3,888 |
| Average earning assets | $131,742,000 | 3,804 |
| Average equity | $16,379,500 | 3,636 |
| Average total loans | $95,818,000 | 3,562 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 1,250 |
| Cost of funding earning assets | 0.3773% | 4,869 |
| Net interest margin | 4.4548% | 814 |
| Noninterest income to average assets | 0.1942% | 5,926 |
| Noninterest expense to average assets | 3.8258% | 1,096 |
| Loan and lease loss provision to assets | 0.0322% | 4,475 |
| Net operating income to assets | 2.8568% | 119 |
| Return on assets (ROA) | 2.8568% | 120 |
| Pretax return on assets | 0.5726% | 4,960 |
| Return on Equity (ROE) | 22.7269% | 186 |
| Retained earnings to average equity (ytd only) | 22.7269% | 63 |
| Net charge-offs to loans | -0.0117% | 6,045 |
| Credit loss provision to net charge-offs | -360.0000% | 6,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3489% | 1,382 |
| Assets per employee ($millions) | 4.0735% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 3,158 |
| Loan loss allowance to noncurrent loans | 321.3152% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 5,218 |
| Noncurrent loans to loans | 0.4682% | 4,825 |
| Net loans and leases to total assets | 73.4641% | 1,443 |
| Net loans and leases to deposits | 84.6973% | 1,836 |
| Net loans and leases to core deposits | 86.1725% | 2,425 |
| Total domestic deposits to total assets | 86.7372% | 2,861 |
| Equity capital to assets | 12.9484% | 1,300 |
| Core capital (leverage) ratio | 11.6486% | 1,860 |
| Tier 1 risk-based capital ratio | 12.9910% | 4,977 |
| Total risk-based capital ratio | 14.0710% | 5,049 |
| Memoranda: | ||
| Average total assets | $111,766,600 | 4,462 |
| Average earning assets | $106,290,800 | 4,357 |
| Average equity | $14,049,400 | 4,058 |
| Average total loans | $85,166,600 | 3,792 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 966 |
| Cost of funding earning assets | 0.3725% | 5,074 |
| Net interest margin | 4.6138% | 607 |
| Noninterest income to average assets | 0.2417% | 5,706 |
| Noninterest expense to average assets | 3.7605% | 1,143 |
| Loan and lease loss provision to assets | 0.0444% | 4,129 |
| Net operating income to assets | 0.8162% | 3,266 |
| Return on assets (ROA) | 0.8162% | 3,394 |
| Pretax return on assets | 0.8347% | 4,168 |
| Return on Equity (ROE) | 6.5507% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.5507% | 2,103 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0524% | 1,961 |
| Assets per employee ($millions) | 4.3953% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7243% | 2,541 |
| Loan loss allowance to noncurrent loans | 297.6744% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 5,253 |
| Noncurrent loans to loans | 0.5793% | 4,754 |
| Net loans and leases to total assets | 65.2062% | 2,762 |
| Net loans and leases to deposits | 75.7121% | 2,998 |
| Net loans and leases to core deposits | 76.8983% | 3,513 |
| Total domestic deposits to total assets | 86.1239% | 3,180 |
| Equity capital to assets | 11.1922% | 2,571 |
| Core capital (leverage) ratio | 11.9062% | 1,731 |
| Tier 1 risk-based capital ratio | 14.5259% | 4,058 |
| Total risk-based capital ratio | 15.5768% | 4,143 |
| Memoranda: | ||
| Average total assets | $108,138,750 | 4,584 |
| Average earning assets | $103,080,250 | 4,472 |
| Average equity | $13,474,000 | 4,220 |
| Average total loans | $82,911,750 | 3,883 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 516 |
| Cost of funding earning assets | 0.3866% | 5,064 |
| Net interest margin | 4.9251% | 351 |
| Noninterest income to average assets | 0.3005% | 5,302 |
| Noninterest expense to average assets | 3.9065% | 973 |
| Loan and lease loss provision to assets | 0.0698% | 3,641 |
| Net operating income to assets | 0.9732% | 2,449 |
| Return on assets (ROA) | 0.9732% | 2,592 |
| Pretax return on assets | 0.9926% | 3,539 |
| Return on Equity (ROE) | 7.5071% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.5071% | 1,668 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6188% | 2,365 |
| Assets per employee ($millions) | 4.0897% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,126 |
| Loan loss allowance to noncurrent loans | 278.8119% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 5,129 |
| Noncurrent loans to loans | 0.5768% | 4,816 |
| Net loans and leases to total assets | 78.0118% | 744 |
| Net loans and leases to deposits | 92.1345% | 945 |
| Net loans and leases to core deposits | 93.7703% | 1,538 |
| Total domestic deposits to total assets | 84.6717% | 4,053 |
| Equity capital to assets | 12.3172% | 1,695 |
| Core capital (leverage) ratio | 13.0113% | 1,156 |
| Tier 1 risk-based capital ratio | 14.2622% | 4,252 |
| Total risk-based capital ratio | 15.4014% | 4,280 |
| Memoranda: | ||
| Average total assets | $103,162,330 | 4,741 |
| Average earning assets | $97,784,330 | 4,652 |
| Average equity | $13,374,000 | 4,264 |
| Average total loans | $83,330,330 | 3,888 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 1,026 |
| Cost of funding earning assets | 0.3980% | 5,123 |
| Net interest margin | 4.5225% | 650 |
| Noninterest income to average assets | 0.2411% | 5,733 |
| Noninterest expense to average assets | 3.7737% | 1,145 |
| Loan and lease loss provision to assets | 0.0723% | 3,424 |
| Net operating income to assets | 0.6752% | 3,814 |
| Return on assets (ROA) | 0.6752% | 3,974 |
| Pretax return on assets | 0.6872% | 4,631 |
| Return on Equity (ROE) | 5.0677% | 4,535 |
| Retained earnings to average equity (ytd only) | 5.0677% | 3,194 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2447% | 1,862 |
| Assets per employee ($millions) | 3.9977% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6915% | 3,045 |
| Loan loss allowance to noncurrent loans | 121.5035% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 3,176 |
| Noncurrent loans to loans | 1.3921% | 3,479 |
| Net loans and leases to total assets | 80.8349% | 359 |
| Net loans and leases to deposits | 93.6618% | 690 |
| Net loans and leases to core deposits | 94.9018% | 1,276 |
| Total domestic deposits to total assets | 86.3051% | 3,354 |
| Equity capital to assets | 13.3497% | 1,271 |
| Core capital (leverage) ratio | 13.5426% | 931 |
| Tier 1 risk-based capital ratio | 15.0411% | 3,811 |
| Total risk-based capital ratio | 16.2001% | 3,838 |
| Memoranda: | ||
| Average total assets | $99,532,000 | 4,877 |
| Average earning assets | $94,460,500 | 4,782 |
| Average equity | $13,260,500 | 4,340 |
| Average total loans | $81,220,000 | 3,982 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 1,733 |
| Cost of funding earning assets | 0.4441% | 5,634 |
| Net interest margin | 4.4903% | 963 |
| Noninterest income to average assets | 0.3364% | 5,052 |
| Noninterest expense to average assets | 4.0731% | 898 |
| Loan and lease loss provision to assets | 0.1012% | 4,373 |
| Net operating income to assets | 0.4213% | 5,003 |
| Return on assets (ROA) | 0.4213% | 5,265 |
| Pretax return on assets | 0.4223% | 5,519 |
| Return on Equity (ROE) | 3.1850% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.1850% | 3,985 |
| Net charge-offs to loans | 0.0524% | 5,196 |
| Credit loss provision to net charge-offs | 253.8462% | 949 |
| Earnings coverage of net charge-offs (x) | 13.1282% | 1,862 |
| Efficiency ratio | 88.6096% | 1,184 |
| Assets per employee ($millions) | 4.1301% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 2,898 |
| Loan loss allowance to noncurrent loans | 113.7645% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.4709% | 3,178 |
| Noncurrent loans to loans | 1.5026% | 3,351 |
| Net loans and leases to total assets | 79.5888% | 511 |
| Net loans and leases to deposits | 93.0504% | 825 |
| Net loans and leases to core deposits | 94.3006% | 1,442 |
| Total domestic deposits to total assets | 85.5330% | 3,596 |
| Equity capital to assets | 13.2957% | 1,314 |
| Core capital (leverage) ratio | 12.4498% | 1,343 |
| Tier 1 risk-based capital ratio | 15.1017% | 3,670 |
| Total risk-based capital ratio | 16.2530% | 3,669 |
| Memoranda: | ||
| Average total assets | $97,787,800 | 4,895 |
| Average earning assets | $92,777,000 | 4,782 |
| Average equity | $12,935,800 | 4,372 |
| Average total loans | $74,403,600 | 4,194 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 2,216 |
| Cost of funding earning assets | 0.4494% | 5,803 |
| Net interest margin | 4.3959% | 1,208 |
| Noninterest income to average assets | 0.3954% | 4,672 |
| Noninterest expense to average assets | 4.1085% | 817 |
| Loan and lease loss provision to assets | 0.1108% | 4,181 |
| Net operating income to assets | 0.3502% | 5,430 |
| Return on assets (ROA) | 0.3502% | 5,634 |
| Pretax return on assets | 0.3516% | 5,835 |
| Return on Equity (ROE) | 2.6510% | 5,818 |
| Retained earnings to average equity (ytd only) | 2.6510% | 4,973 |
| Net charge-offs to loans | 0.0713% | 4,701 |
| Credit loss provision to net charge-offs | 207.6923% | 1,332 |
| Earnings coverage of net charge-offs (x) | 8.6665% | 2,415 |
| Efficiency ratio | 89.8833% | 1,048 |
| Assets per employee ($millions) | 3.9869% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 3,128 |
| Loan loss allowance to noncurrent loans | 106.7823% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 3,402 |
| Noncurrent loans to loans | 1.5980% | 3,394 |
| Net loans and leases to total assets | 75.2409% | 1,085 |
| Net loans and leases to deposits | 86.5398% | 1,540 |
| Net loans and leases to core deposits | 88.7284% | 2,132 |
| Total domestic deposits to total assets | 86.9437% | 2,702 |
| Equity capital to assets | 12.5710% | 1,846 |
| Core capital (leverage) ratio | 12.3407% | 1,481 |
| Tier 1 risk-based capital ratio | 14.9543% | 3,876 |
| Total risk-based capital ratio | 16.0959% | 3,909 |
| Memoranda: | ||
| Average total assets | $97,454,250 | 4,952 |
| Average earning assets | $92,568,250 | 4,834 |
| Average equity | $12,875,000 | 4,420 |
| Average total loans | $72,939,000 | 4,297 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 2,150 |
| Cost of funding earning assets | 0.4665% | 5,856 |
| Net interest margin | 4.4236% | 1,142 |
| Noninterest income to average assets | 0.4592% | 4,214 |
| Noninterest expense to average assets | 4.1914% | 737 |
| Loan and lease loss provision to assets | 0.1132% | 4,113 |
| Net operating income to assets | 0.3481% | 5,437 |
| Return on assets (ROA) | 0.3481% | 5,663 |
| Pretax return on assets | 0.3502% | 5,828 |
| Return on Equity (ROE) | 2.5891% | 5,851 |
| Retained earnings to average equity (ytd only) | 2.5891% | 4,899 |
| Net charge-offs to loans | 0.1102% | 4,082 |
| Credit loss provision to net charge-offs | 138.4615% | 1,993 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,785 |
| Efficiency ratio | 90.0450% | 1,065 |
| Assets per employee ($millions) | 4.5107% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8054% | 2,837 |
| Loan loss allowance to noncurrent loans | 99.7744% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.5942% | 3,330 |
| Noncurrent loans to loans | 1.8095% | 3,199 |
| Net loans and leases to total assets | 72.7304% | 1,436 |
| Net loans and leases to deposits | 84.0816% | 1,845 |
| Net loans and leases to core deposits | 86.3119% | 2,388 |
| Total domestic deposits to total assets | 86.4997% | 3,071 |
| Equity capital to assets | 13.0236% | 1,506 |
| Core capital (leverage) ratio | 13.2179% | 1,088 |
| Tier 1 risk-based capital ratio | 15.8881% | 3,214 |
| Total risk-based capital ratio | 17.0199% | 3,264 |
| Memoranda: | ||
| Average total assets | $95,386,000 | 5,022 |
| Average earning assets | $90,468,330 | 4,915 |
| Average equity | $12,823,000 | 4,429 |
| Average total loans | $70,802,670 | 4,393 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8737% | 2,345 |
| Cost of funding earning assets | 0.4874% | 5,883 |
| Net interest margin | 4.3864% | 1,257 |
| Noninterest income to average assets | 0.5992% | 3,237 |
| Noninterest expense to average assets | 4.2970% | 667 |
| Loan and lease loss provision to assets | 0.1156% | 3,906 |
| Net operating income to assets | 0.3467% | 5,491 |
| Return on assets (ROA) | 0.3467% | 5,663 |
| Pretax return on assets | 0.3467% | 5,867 |
| Return on Equity (ROE) | 2.5367% | 5,889 |
| Retained earnings to average equity (ytd only) | 2.5367% | 4,988 |
| Net charge-offs to loans | 0.2304% | 2,775 |
| Credit loss provision to net charge-offs | 67.5000% | 2,967 |
| Earnings coverage of net charge-offs (x) | 2.7000% | 3,098 |
| Efficiency ratio | 90.2878% | 1,073 |
| Assets per employee ($millions) | 4.1623% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8812% | 2,737 |
| Loan loss allowance to noncurrent loans | 88.7295% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.7925% | 3,185 |
| Noncurrent loans to loans | 2.1201% | 3,006 |
| Net loans and leases to total assets | 70.7729% | 1,618 |
| Net loans and leases to deposits | 82.1358% | 1,923 |
| Net loans and leases to core deposits | 84.4937% | 2,482 |
| Total domestic deposits to total assets | 86.1657% | 3,432 |
| Equity capital to assets | 13.3893% | 1,279 |
| Core capital (leverage) ratio | 13.2074% | 1,054 |
| Tier 1 risk-based capital ratio | 16.5582% | 2,882 |
| Total risk-based capital ratio | 17.6746% | 2,907 |
| Memoranda: | ||
| Average total assets | $93,461,500 | 5,111 |
| Average earning assets | $88,638,500 | 5,003 |
| Average equity | $12,772,500 | 4,449 |
| Average total loans | $69,453,500 | 4,464 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 1,630 |
| Cost of funding earning assets | 0.5374% | 6,395 |
| Net interest margin | 4.7895% | 639 |
| Noninterest income to average assets | 0.1312% | 6,502 |
| Noninterest expense to average assets | 4.8611% | 428 |
| Loan and lease loss provision to assets | 0.2660% | 3,559 |
| Net operating income to assets | -0.4676% | 6,461 |
| Return on assets (ROA) | -0.4676% | 6,516 |
| Pretax return on assets | -0.4664% | 6,470 |
| Return on Equity (ROE) | -3.0675% | 6,415 |
| Retained earnings to average equity (ytd only) | -3.0675% | 6,281 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3000% | 562 |
| Assets per employee ($millions) | 3.9648% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8782% | 2,636 |
| Loan loss allowance to noncurrent loans | 84.6998% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.9750% | 3,004 |
| Noncurrent loans to loans | 2.2175% | 2,934 |
| Net loans and leases to total assets | 75.1650% | 1,068 |
| Net loans and leases to deposits | 87.8272% | 1,404 |
| Net loans and leases to core deposits | 90.4894% | 2,058 |
| Total domestic deposits to total assets | 85.5828% | 3,549 |
| Equity capital to assets | 13.9566% | 1,079 |
| Core capital (leverage) ratio | 13.8582% | 855 |
| Tier 1 risk-based capital ratio | 16.4452% | 2,851 |
| Total risk-based capital ratio | 17.5758% | 2,864 |
| Memoranda: | ||
| Average total assets | $83,828,200 | 5,345 |
| Average earning assets | $79,277,600 | 5,249 |
| Average equity | $12,779,000 | 4,377 |
| Average total loans | $62,050,600 | 4,791 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 2,395 |
| Cost of funding earning assets | 0.5492% | 6,516 |
| Net interest margin | 4.5997% | 945 |
| Noninterest income to average assets | 0.1317% | 6,594 |
| Noninterest expense to average assets | 4.9665% | 381 |
| Loan and lease loss provision to assets | 0.2049% | 3,975 |
| Net operating income to assets | -0.6830% | 6,750 |
| Return on assets (ROA) | -0.6830% | 6,780 |
| Pretax return on assets | -0.6814% | 6,727 |
| Return on Equity (ROE) | -4.3777% | 6,648 |
| Retained earnings to average equity (ytd only) | -4.3777% | 6,546 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6121% | 420 |
| Assets per employee ($millions) | 3.8714% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,616 |
| Loan loss allowance to noncurrent loans | 33.9291% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 4.3406% | 1,390 |
| Noncurrent loans to loans | 5.5938% | 1,050 |
| Net loans and leases to total assets | 70.5300% | 1,975 |
| Net loans and leases to deposits | 82.6396% | 2,234 |
| Net loans and leases to core deposits | 85.2107% | 2,880 |
| Total domestic deposits to total assets | 85.3464% | 3,586 |
| Equity capital to assets | 14.2291% | 1,075 |
| Core capital (leverage) ratio | 14.7315% | 723 |
| Tier 1 risk-based capital ratio | 17.4622% | 2,459 |
| Total risk-based capital ratio | 18.5668% | 2,481 |
| Memoranda: | ||
| Average total assets | $81,987,750 | 5,439 |
| Average earning assets | $77,684,750 | 5,339 |
| Average equity | $12,792,000 | 4,382 |
| Average total loans | $60,099,500 | 4,898 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1865% | 2,315 |
| Cost of funding earning assets | 0.5677% | 6,596 |
| Net interest margin | 4.6188% | 878 |
| Noninterest income to average assets | 0.1557% | 6,539 |
| Noninterest expense to average assets | 5.1786% | 319 |
| Loan and lease loss provision to assets | 0.2110% | 3,802 |
| Net operating income to assets | -0.8639% | 6,897 |
| Return on assets (ROA) | -0.8639% | 6,899 |
| Pretax return on assets | -0.8614% | 6,847 |
| Return on Equity (ROE) | -5.3613% | 6,733 |
| Retained earnings to average equity (ytd only) | -5.3613% | 6,593 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3649% | 411 |
| Assets per employee ($millions) | 3.5702% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 2,691 |
| Loan loss allowance to noncurrent loans | 28.9701% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 5.2866% | 1,146 |
| Noncurrent loans to loans | 6.5322% | 847 |
| Net loans and leases to total assets | 74.0580% | 1,408 |
| Net loans and leases to deposits | 88.0491% | 1,493 |
| Net loans and leases to core deposits | 90.7263% | 2,291 |
| Total domestic deposits to total assets | 84.1099% | 4,301 |
| Equity capital to assets | 15.4748% | 706 |
| Core capital (leverage) ratio | 15.7219% | 533 |
| Tier 1 risk-based capital ratio | 18.1756% | 2,111 |
| Total risk-based capital ratio | 19.4307% | 2,067 |
| Memoranda: | ||
| Average total assets | $79,636,000 | 5,561 |
| Average earning assets | $75,387,670 | 5,452 |
| Average equity | $12,832,670 | 4,381 |
| Average total loans | $58,793,670 | 5,016 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3906% | 1,592 |
| Cost of funding earning assets | 0.5683% | 6,731 |
| Net interest margin | 4.8223% | 547 |
| Noninterest income to average assets | 0.2551% | 5,858 |
| Noninterest expense to average assets | 5.2196% | 305 |
| Loan and lease loss provision to assets | 0.2143% | 3,509 |
| Net operating income to assets | -0.6327% | 6,884 |
| Return on assets (ROA) | -0.6327% | 6,889 |
| Pretax return on assets | -0.6327% | 6,833 |
| Return on Equity (ROE) | -3.8463% | 6,727 |
| Retained earnings to average equity (ytd only) | -3.8463% | 6,395 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7141% | 525 |
| Assets per employee ($millions) | 3.2318% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 2,673 |
| Loan loss allowance to noncurrent loans | 27.8709% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 5.4013% | 1,136 |
| Noncurrent loans to loans | 6.8379% | 831 |
| Net loans and leases to total assets | 72.0518% | 1,717 |
| Net loans and leases to deposits | 86.1296% | 1,708 |
| Net loans and leases to core deposits | 88.1298% | 2,580 |
| Total domestic deposits to total assets | 83.6551% | 4,639 |
| Equity capital to assets | 15.9018% | 592 |
| Core capital (leverage) ratio | 16.4915% | 439 |
| Tier 1 risk-based capital ratio | 18.6968% | 1,899 |
| Total risk-based capital ratio | 19.9655% | 1,846 |
| Memoranda: | ||
| Average total assets | $78,397,000 | 5,635 |
| Average earning assets | $73,906,500 | 5,539 |
| Average equity | $12,895,500 | 4,363 |
| Average total loans | $57,198,000 | 5,125 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1048% | 4,079 |
| Cost of funding earning assets | 0.7750% | 6,663 |
| Net interest margin | 4.3298% | 1,715 |
| Noninterest income to average assets | 0.3711% | 5,127 |
| Noninterest expense to average assets | 5.5454% | 293 |
| Loan and lease loss provision to assets | 0.4868% | 3,227 |
| Net operating income to assets | -1.5829% | 6,934 |
| Return on assets (ROA) | -1.5829% | 6,956 |
| Pretax return on assets | -1.5815% | 6,888 |
| Return on Equity (ROE) | -8.8181% | 6,668 |
| Retained earnings to average equity (ytd only) | -8.8181% | 6,581 |
| Net charge-offs to loans | 0.0818% | 6,008 |
| Credit loss provision to net charge-offs | 871.4286% | 249 |
| Earnings coverage of net charge-offs (x) | -19.5952% | 6,819 |
| Efficiency ratio | 124.5965% | 360 |
| Assets per employee ($millions) | 3.1666% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 2,360 |
| Loan loss allowance to noncurrent loans | 427.0588% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 5,503 |
| Noncurrent loans to loans | 0.4632% | 6,118 |
| Net loans and leases to total assets | 71.0032% | 2,304 |
| Net loans and leases to deposits | 86.1144% | 2,073 |
| Net loans and leases to core deposits | 88.6408% | 2,958 |
| Total domestic deposits to total assets | 82.4522% | 5,038 |
| Equity capital to assets | 17.0307% | 453 |
| Core capital (leverage) ratio | 16.6359% | 429 |
| Tier 1 risk-based capital ratio | 20.5874% | 1,385 |
| Total risk-based capital ratio | 21.6774% | 1,394 |
| Memoranda: | ||
| Average total assets | $75,179,800 | 5,737 |
| Average earning assets | $70,835,000 | 5,641 |
| Average equity | $13,495,000 | 4,261 |
| Average total loans | $51,326,400 | 5,432 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 4,804 |
| Cost of funding earning assets | 0.8183% | 6,696 |
| Net interest margin | 4.1838% | 2,275 |
| Noninterest income to average assets | 0.4339% | 4,686 |
| Noninterest expense to average assets | 5.4470% | 278 |
| Loan and lease loss provision to assets | 0.5619% | 2,697 |
| Net operating income to assets | -1.6307% | 7,141 |
| Return on assets (ROA) | -1.6307% | 7,151 |
| Pretax return on assets | -1.6290% | 7,084 |
| Return on Equity (ROE) | -8.9682% | 6,880 |
| Retained earnings to average equity (ytd only) | -8.9682% | 6,824 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.3605% | 348 |
| Assets per employee ($millions) | 3.0738% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0095% | 2,191 |
| Loan loss allowance to noncurrent loans | 355.5921% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.8797% | 5,336 |
| Noncurrent loans to loans | 0.5651% | 6,075 |
| Net loans and leases to total assets | 68.5987% | 3,072 |
| Net loans and leases to deposits | 83.6266% | 2,770 |
| Net loans and leases to core deposits | 86.0566% | 3,643 |
| Total domestic deposits to total assets | 82.0298% | 4,978 |
| Equity capital to assets | 17.2831% | 488 |
| Core capital (leverage) ratio | 17.0467% | 427 |
| Tier 1 risk-based capital ratio | 21.2789% | 1,316 |
| Total risk-based capital ratio | 22.5349% | 1,294 |
| Memoranda: | ||
| Average total assets | $74,975,250 | 5,808 |
| Average earning assets | $70,715,250 | 5,714 |
| Average equity | $13,633,000 | 4,296 |
| Average total loans | $50,395,500 | 5,553 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9128% | 5,336 |
| Cost of funding earning assets | 0.8811% | 6,652 |
| Net interest margin | 4.0318% | 2,867 |
| Noninterest income to average assets | 0.6267% | 3,152 |
| Noninterest expense to average assets | 5.3798% | 292 |
| Loan and lease loss provision to assets | 0.7424% | 1,945 |
| Net operating income to assets | -1.6946% | 7,214 |
| Return on assets (ROA) | -1.6946% | 7,225 |
| Pretax return on assets | -1.6919% | 7,144 |
| Return on Equity (ROE) | -9.1634% | 6,934 |
| Retained earnings to average equity (ytd only) | -9.1634% | 6,876 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.4329% | 395 |
| Assets per employee ($millions) | 3.3673% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0008% | 2,178 |
| Loan loss allowance to noncurrent loans | 332.5879% | 885 |
| Noncurrent assets plus other real estate owned to assets | 1.0975% | 4,937 |
| Noncurrent loans to loans | 0.6016% | 6,036 |
| Net loans and leases to total assets | 68.8269% | 3,166 |
| Net loans and leases to deposits | 84.9019% | 2,722 |
| Net loans and leases to core deposits | 87.9738% | 3,551 |
| Total domestic deposits to total assets | 81.0664% | 5,378 |
| Equity capital to assets | 18.2411% | 390 |
| Core capital (leverage) ratio | 17.9909% | 360 |
| Tier 1 risk-based capital ratio | 22.1133% | 1,184 |
| Total risk-based capital ratio | 23.3848% | 1,156 |
| Memoranda: | ||
| Average total assets | $74,352,330 | 5,856 |
| Average earning assets | $70,142,670 | 5,768 |
| Average equity | $13,750,330 | 4,259 |
| Average total loans | $49,262,330 | 5,637 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 6,280 |
| Cost of funding earning assets | 0.9267% | 6,672 |
| Net interest margin | 3.7632% | 3,945 |
| Noninterest income to average assets | 0.0537% | 7,446 |
| Noninterest expense to average assets | 5.1068% | 342 |
| Loan and lease loss provision to assets | 0.5638% | 2,248 |
| Net operating income to assets | -2.0406% | 7,470 |
| Return on assets (ROA) | -2.0406% | 7,474 |
| Pretax return on assets | -2.0406% | 7,421 |
| Return on Equity (ROE) | -10.9597% | 7,168 |
| Retained earnings to average equity (ytd only) | -10.9597% | 7,011 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.6805% | 252 |
| Assets per employee ($millions) | 3.4276% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 2,940 |
| Loan loss allowance to noncurrent loans | 1,977.2727% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 5,795 |
| Noncurrent loans to loans | 0.0878% | 7,173 |
| Net loans and leases to total assets | 62.4596% | 4,666 |
| Net loans and leases to deposits | 76.0346% | 4,410 |
| Net loans and leases to core deposits | 78.5690% | 4,952 |
| Total domestic deposits to total assets | 82.1463% | 5,013 |
| Equity capital to assets | 17.3667% | 492 |
| Core capital (leverage) ratio | 18.1300% | 367 |
| Tier 1 risk-based capital ratio | 22.5632% | 1,139 |
| Total risk-based capital ratio | 23.7676% | 1,119 |
| Memoranda: | ||
| Average total assets | $74,488,500 | 5,921 |
| Average earning assets | $70,790,000 | 5,821 |
| Average equity | $13,869,000 | 4,270 |
| Average total loans | $47,879,500 | 5,764 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 7,570 |
| Cost of funding earning assets | 1.0367% | 7,133 |
| Net interest margin | 3.2287% | 6,000 |
| Noninterest income to average assets | 0.3367% | 5,682 |
| Noninterest expense to average assets | 6.1263% | 293 |
| Loan and lease loss provision to assets | 0.8170% | 2,682 |
| Net operating income to assets | -3.5550% | 7,521 |
| Return on assets (ROA) | -3.5550% | 7,526 |
| Pretax return on assets | -3.5533% | 7,431 |
| Return on Equity (ROE) | -14.4702% | 6,905 |
| Retained earnings to average equity (ytd only) | -14.4702% | 6,848 |
| Net charge-offs to loans | 0.0751% | 6,362 |
| Credit loss provision to net charge-offs | 1,980.0000% | 163 |
| Earnings coverage of net charge-offs (x) | -66.3200% | 7,217 |
| Efficiency ratio | 180.7205% | 184 |
| Assets per employee ($millions) | 3.0497% | 6,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 2,984 |
| Loan loss allowance to noncurrent loans | 140.3670% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 5,552 |
| Noncurrent loans to loans | 1.1939% | 4,948 |
| Net loans and leases to total assets | 63.9902% | 4,599 |
| Net loans and leases to deposits | 80.5239% | 3,886 |
| Net loans and leases to core deposits | 109.3771% | 2,967 |
| Total domestic deposits to total assets | 79.4674% | 5,856 |
| Equity capital to assets | 20.0265% | 293 |
| Core capital (leverage) ratio | 20.9889% | 240 |
| Tier 1 risk-based capital ratio | 25.1747% | 829 |
| Total risk-based capital ratio | 26.5602% | 799 |
| Memoranda: | ||
| Average total assets | $60,591,000 | 6,324 |
| Average earning assets | $57,298,800 | 6,238 |
| Average equity | $14,885,800 | 4,079 |
| Average total loans | $33,272,800 | 6,448 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 7,775 |
| Cost of funding earning assets | 1.0986% | 7,176 |
| Net interest margin | 2.9975% | 6,618 |
| Noninterest income to average assets | 0.0573% | 7,614 |
| Noninterest expense to average assets | 6.3729% | 264 |
| Loan and lease loss provision to assets | 0.6414% | 2,834 |
| Net operating income to assets | -4.1280% | 7,764 |
| Return on assets (ROA) | -4.1280% | 7,766 |
| Pretax return on assets | -4.1257% | 7,707 |
| Return on Equity (ROE) | -15.9161% | 7,232 |
| Retained earnings to average equity (ytd only) | -15.9161% | 7,183 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.6186% | 115 |
| Assets per employee ($millions) | 2.8529% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 3,998 |
| Loan loss allowance to noncurrent loans | 100.5245% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 5,249 |
| Noncurrent loans to loans | 1.3838% | 4,600 |
| Net loans and leases to total assets | 64.9427% | 4,660 |
| Net loans and leases to deposits | 84.6187% | 3,549 |
| Net loans and leases to core deposits | 112.4445% | 2,977 |
| Total domestic deposits to total assets | 76.7474% | 6,410 |
| Equity capital to assets | 22.8383% | 218 |
| Core capital (leverage) ratio | 22.8802% | 212 |
| Tier 1 risk-based capital ratio | 29.0362% | 621 |
| Total risk-based capital ratio | 30.2172% | 609 |
| Memoranda: | ||
| Average total assets | $58,203,250 | 6,458 |
| Average earning assets | $54,978,250 | 6,380 |
| Average equity | $15,095,500 | 4,080 |
| Average total loans | $30,178,750 | 6,670 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7747% | 7,977 |
| Cost of funding earning assets | 1.1973% | 7,113 |
| Net interest margin | 2.5774% | 7,382 |
| Noninterest income to average assets | 0.0565% | 7,708 |
| Noninterest expense to average assets | 6.5275% | 267 |
| Loan and lease loss provision to assets | 0.5293% | 2,907 |
| Net operating income to assets | -4.5657% | 7,900 |
| Return on assets (ROA) | -4.5657% | 7,899 |
| Pretax return on assets | -4.5622% | 7,816 |
| Return on Equity (ROE) | -16.8607% | 7,419 |
| Retained earnings to average equity (ytd only) | -16.8607% | 7,341 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 261.6690% | 107 |
| Assets per employee ($millions) | 2.8424% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 4,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 57.5760% | 6,027 |
| Net loans and leases to deposits | 75.8011% | 5,201 |
| Net loans and leases to core deposits | 103.9797% | 4,064 |
| Total domestic deposits to total assets | 75.9567% | 6,559 |
| Equity capital to assets | 23.6403% | 237 |
| Core capital (leverage) ratio | 24.8195% | 212 |
| Tier 1 risk-based capital ratio | 32.3897% | 487 |
| Total risk-based capital ratio | 33.3823% | 483 |
| Memoranda: | ||
| Average total assets | $56,683,330 | 6,564 |
| Average earning assets | $53,620,000 | 6,487 |
| Average equity | $15,349,330 | 4,050 |
| Average total loans | $26,460,000 | 6,942 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4753% | 8,096 |
| Cost of funding earning assets | 1.2816% | 7,075 |
| Net interest margin | 2.1937% | 7,804 |
| Noninterest income to average assets | 0.0298% | 7,929 |
| Noninterest expense to average assets | 6.8305% | 213 |
| Loan and lease loss provision to assets | 0.5581% | 2,246 |
| Net operating income to assets | -5.2829% | 8,056 |
| Return on assets (ROA) | -5.2829% | 8,048 |
| Pretax return on assets | -5.2829% | 8,005 |
| Return on Equity (ROE) | -18.1673% | 7,713 |
| Retained earnings to average equity (ytd only) | -18.1673% | 7,590 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 324.3816% | 69 |
| Assets per employee ($millions) | 2.7416% | 6,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 2,581 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 39.9232% | 7,572 |
| Net loans and leases to deposits | 54.6157% | 7,248 |
| Net loans and leases to core deposits | 79.8562% | 6,397 |
| Total domestic deposits to total assets | 73.0985% | 7,033 |
| Equity capital to assets | 26.5854% | 190 |
| Core capital (leverage) ratio | 27.2407% | 186 |
| Tier 1 risk-based capital ratio | 44.1337% | 264 |
| Total risk-based capital ratio | 45.2005% | 263 |
| Memoranda: | ||
| Average total assets | $53,758,500 | 6,717 |
| Average earning assets | $50,873,500 | 6,624 |
| Average equity | $15,632,500 | 4,016 |
| Average total loans | $21,465,500 | 7,278 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4818% | 8,248 |
| Cost of funding earning assets | 0.5939% | 8,177 |
| Net interest margin | 0.8880% | 8,239 |
| Noninterest income to average assets | -0.0053% | 8,156 |
| Noninterest expense to average assets | 5.6806% | 470 |
| Loan and lease loss provision to assets | 0.7780% | 1,924 |
| Net operating income to assets | -5.6358% | 8,130 |
| Return on assets (ROA) | -5.6358% | 8,119 |
| Pretax return on assets | -5.6358% | 8,072 |
| Return on Equity (ROE) | -12.8089% | 7,487 |
| Retained earnings to average equity (ytd only) | -12.8089% | 7,318 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 690.3846% | 29 |
| Assets per employee ($millions) | 2.3783% | 7,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 2,646 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 38.6052% | 7,737 |
| Net loans and leases to deposits | 57.1255% | 7,254 |
| Net loans and leases to core deposits | 76.7678% | 6,813 |
| Total domestic deposits to total assets | 67.5797% | 7,510 |
| Equity capital to assets | 31.9538% | 149 |
| Core capital (leverage) ratio | 34.2968% | 140 |
| Tier 1 risk-based capital ratio | 53.7720% | 183 |
| Total risk-based capital ratio | 54.7660% | 185 |
| Memoranda: | ||
| Average total assets | $37,918,330 | 7,307 |
| Average earning assets | $35,362,330 | 7,266 |
| Average equity | $16,683,670 | 3,791 |
| Average total loans | $9,466,670 | 7,962 |