Home > The Victory Bank > Performance and Condition Ratios
The Victory Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3182% | 788 |
| Cost of funding earning assets | 2.9875% | 335 |
| Net interest margin | 3.3306% | 2,708 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 2.4403% | 2,478 |
| Loan and lease loss provision to assets | -0.0500% | 4,271 |
| Net operating income to assets | 0.7163% | 3,067 |
| Return on assets (ROA) | 0.7163% | 3,077 |
| Pretax return on assets | 0.9077% | 2,949 |
| Return on Equity (ROE) | 7.3900% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.3900% | 1,869 |
| Net charge-offs to loans | -0.0092% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 73.9551% | 1,441 |
| Assets per employee ($millions) | 9.3392% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 3,537 |
| Loan loss allowance to noncurrent loans | 44,562.5000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 3,786 |
| Noncurrent loans to loans | 0.0021% | 3,763 |
| Net loans and leases to total assets | 81.7700% | 427 |
| Net loans and leases to deposits | 91.4341% | 971 |
| Net loans and leases to core deposits | 103.8477% | 1,141 |
| Total domestic deposits to total assets | 89.4300% | 1,017 |
| Equity capital to assets | 9.7629% | 2,383 |
| Core capital (leverage) ratio | 10.2758% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0705% | 2,182 |
| Memoranda: | ||
| Average total assets | $464,046,500 | 1,886 |
| Average earning assets | $437,152,000 | 1,859 |
| Average equity | $44,979,500 | 1,883 |
| Average total loans | $389,871,500 | 1,587 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6465% | 593 |
| Cost of funding earning assets | 3.4111% | 223 |
| Net interest margin | 3.2355% | 2,654 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 2.5155% | 2,262 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.5442% | 3,362 |
| Return on assets (ROA) | 0.5442% | 3,384 |
| Pretax return on assets | 0.6925% | 3,271 |
| Return on Equity (ROE) | 6.0700% | 3,280 |
| Retained earnings to average equity (ytd only) | 6.0732% | 1,800 |
| Net charge-offs to loans | 0.0108% | 2,515 |
| Credit loss provision to net charge-offs | 497.6190% | 637 |
| Earnings coverage of net charge-offs (x) | 80.5476% | 926 |
| Efficiency ratio | 77.3136% | 1,262 |
| Assets per employee ($millions) | 8.8679% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 3,590 |
| Loan loss allowance to noncurrent loans | 1,695.3052% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,345 |
| Noncurrent loans to loans | 0.0540% | 3,372 |
| Net loans and leases to total assets | 84.7300% | 233 |
| Net loans and leases to deposits | 98.1891% | 574 |
| Net loans and leases to core deposits | 115.5125% | 744 |
| Total domestic deposits to total assets | 86.2900% | 2,121 |
| Equity capital to assets | 9.6220% | 2,359 |
| Core capital (leverage) ratio | 9.9154% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1558% | 2,482 |
| Memoranda: | ||
| Average total assets | $458,313,800 | 1,874 |
| Average earning assets | $432,767,800 | 1,844 |
| Average equity | $41,065,400 | 1,940 |
| Average total loans | $388,540,800 | 1,565 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6659% | 562 |
| Cost of funding earning assets | 3.4402% | 224 |
| Net interest margin | 3.2256% | 2,631 |
| Noninterest income to average assets | 0.1800% | 3,801 |
| Noninterest expense to average assets | 2.5203% | 2,184 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.4985% | 3,470 |
| Return on assets (ROA) | 0.4985% | 3,503 |
| Pretax return on assets | 0.6320% | 3,415 |
| Return on Equity (ROE) | 5.6700% | 3,386 |
| Retained earnings to average equity (ytd only) | 5.6693% | 2,216 |
| Net charge-offs to loans | 0.0134% | 2,155 |
| Credit loss provision to net charge-offs | 623.0769% | 547 |
| Earnings coverage of net charge-offs (x) | 61.8462% | 1,078 |
| Efficiency ratio | 78.1956% | 1,208 |
| Assets per employee ($millions) | 7.9333% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 3,617 |
| Loan loss allowance to noncurrent loans | 1,728.9100% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,419 |
| Noncurrent loans to loans | 0.0529% | 3,438 |
| Net loans and leases to total assets | 84.4600% | 232 |
| Net loans and leases to deposits | 99.2722% | 528 |
| Net loans and leases to core deposits | 113.5343% | 810 |
| Total domestic deposits to total assets | 85.0800% | 2,266 |
| Equity capital to assets | 8.8939% | 3,104 |
| Core capital (leverage) ratio | 9.1769% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $457,609,000 | 1,863 |
| Average earning assets | $431,861,250 | 1,845 |
| Average equity | $40,239,250 | 1,976 |
| Average total loans | $387,093,250 | 1,554 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5925% | 569 |
| Cost of funding earning assets | 3.4165% | 206 |
| Net interest margin | 3.1760% | 2,676 |
| Noninterest income to average assets | 0.1600% | 3,924 |
| Noninterest expense to average assets | 2.5812% | 2,008 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 0.4012% | 3,655 |
| Return on assets (ROA) | 0.4012% | 3,695 |
| Pretax return on assets | 0.5087% | 3,611 |
| Return on Equity (ROE) | 4.5800% | 3,614 |
| Retained earnings to average equity (ytd only) | 4.5807% | 2,494 |
| Net charge-offs to loans | 0.0204% | 1,758 |
| Credit loss provision to net charge-offs | 407.6923% | 701 |
| Earnings coverage of net charge-offs (x) | 33.6923% | 1,336 |
| Efficiency ratio | 81.6864% | 1,012 |
| Assets per employee ($millions) | 8.3908% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 3,719 |
| Loan loss allowance to noncurrent loans | 5,410.6061% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,659 |
| Noncurrent loans to loans | 0.0165% | 3,665 |
| Net loans and leases to total assets | 84.4000% | 256 |
| Net loans and leases to deposits | 103.1079% | 398 |
| Net loans and leases to core deposits | 117.7263% | 696 |
| Total domestic deposits to total assets | 81.8600% | 3,114 |
| Equity capital to assets | 8.5525% | 3,063 |
| Core capital (leverage) ratio | 9.1159% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8735% | 2,801 |
| Memoranda: | ||
| Average total assets | $454,124,000 | 1,878 |
| Average earning assets | $428,277,333 | 1,845 |
| Average equity | $39,776,000 | 1,960 |
| Average total loans | $383,136,667 | 1,565 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4545% | 609 |
| Cost of funding earning assets | 3.3775% | 202 |
| Net interest margin | 3.0770% | 2,846 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 2.6353% | 1,859 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.2833% | 3,852 |
| Return on assets (ROA) | 0.2833% | 3,885 |
| Pretax return on assets | 0.3810% | 3,795 |
| Return on Equity (ROE) | 3.1900% | 3,818 |
| Retained earnings to average equity (ytd only) | 3.1943% | 2,926 |
| Net charge-offs to loans | 0.0310% | 1,258 |
| Credit loss provision to net charge-offs | 165.5172% | 896 |
| Earnings coverage of net charge-offs (x) | 16.3103% | 1,436 |
| Efficiency ratio | 86.1412% | 773 |
| Assets per employee ($millions) | 8.1853% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 3,661 |
| Loan loss allowance to noncurrent loans | 467.9245% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 2,552 |
| Noncurrent loans to loans | 0.1946% | 2,649 |
| Net loans and leases to total assets | 83.9400% | 278 |
| Net loans and leases to deposits | 98.9761% | 529 |
| Net loans and leases to core deposits | 111.2866% | 900 |
| Total domestic deposits to total assets | 84.8000% | 2,474 |
| Equity capital to assets | 8.8084% | 2,806 |
| Core capital (leverage) ratio | 9.2452% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $446,243,000 | 1,900 |
| Average earning assets | $420,667,500 | 1,878 |
| Average equity | $39,570,500 | 1,964 |
| Average total loans | $374,629,000 | 1,589 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1198% | 551 |
| Cost of funding earning assets | 2.4613% | 403 |
| Net interest margin | 3.6585% | 1,841 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.5594% | 2,132 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.7749% | 2,963 |
| Return on assets (ROA) | 0.6817% | 3,216 |
| Pretax return on assets | 0.8636% | 3,054 |
| Return on Equity (ROE) | 7.5100% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.5050% | 1,702 |
| Net charge-offs to loans | -0.0006% | 3,559 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.1196% | 1,746 |
| Assets per employee ($millions) | 7.8981% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,505 |
| Loan loss allowance to noncurrent loans | 162.0341% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 1,142 |
| Noncurrent loans to loans | 0.5906% | 1,334 |
| Net loans and leases to total assets | 82.3900% | 399 |
| Net loans and leases to deposits | 100.0832% | 532 |
| Net loans and leases to core deposits | 113.4815% | 828 |
| Total domestic deposits to total assets | 82.3200% | 3,065 |
| Equity capital to assets | 8.9276% | 2,721 |
| Core capital (leverage) ratio | 9.6105% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5100% | 2,716 |
| Memoranda: | ||
| Average total assets | $423,919,600 | 1,942 |
| Average earning assets | $399,619,800 | 1,910 |
| Average equity | $38,507,600 | 1,929 |
| Average total loans | $346,455,200 | 1,624 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0335% | 511 |
| Cost of funding earning assets | 2.4282% | 316 |
| Net interest margin | 3.6053% | 1,997 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.6019% | 1,937 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7157% | 3,275 |
| Return on assets (ROA) | 0.7157% | 3,261 |
| Pretax return on assets | 0.8954% | 3,112 |
| Return on Equity (ROE) | 7.8400% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.8438% | 2,024 |
| Net charge-offs to loans | -0.0004% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.8938% | 1,369 |
| Assets per employee ($millions) | 7.1013% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,585 |
| Loan loss allowance to noncurrent loans | 5,983.9286% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,708 |
| Noncurrent loans to loans | 0.0158% | 3,674 |
| Net loans and leases to total assets | 84.0200% | 279 |
| Net loans and leases to deposits | 98.2608% | 603 |
| Net loans and leases to core deposits | 105.6063% | 1,039 |
| Total domestic deposits to total assets | 85.5100% | 2,345 |
| Equity capital to assets | 9.1508% | 2,326 |
| Core capital (leverage) ratio | 9.9170% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1715% | 2,563 |
| Memoranda: | ||
| Average total assets | $419,326,500 | 1,956 |
| Average earning assets | $395,670,500 | 1,920 |
| Average equity | $38,263,000 | 1,925 |
| Average total loans | $341,091,500 | 1,637 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9117% | 495 |
| Cost of funding earning assets | 2.2624% | 302 |
| Net interest margin | 3.6493% | 1,916 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.6035% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7396% | 3,244 |
| Return on assets (ROA) | 0.7396% | 3,258 |
| Pretax return on assets | 0.9365% | 3,082 |
| Return on Equity (ROE) | 8.1100% | 3,206 |
| Retained earnings to average equity (ytd only) | 8.1125% | 1,925 |
| Net charge-offs to loans | -0.0006% | 3,404 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.5453% | 1,399 |
| Assets per employee ($millions) | 7.5266% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9513% | 3,614 |
| Loan loss allowance to noncurrent loans | 868.9655% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 2,902 |
| Noncurrent loans to loans | 0.1095% | 2,932 |
| Net loans and leases to total assets | 82.4000% | 388 |
| Net loans and leases to deposits | 92.3451% | 1,004 |
| Net loans and leases to core deposits | 97.6985% | 1,368 |
| Total domestic deposits to total assets | 89.2300% | 1,162 |
| Equity capital to assets | 9.2629% | 2,339 |
| Core capital (leverage) ratio | 9.9399% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0061% | 2,623 |
| Memoranda: | ||
| Average total assets | $419,442,667 | 1,954 |
| Average earning assets | $394,101,000 | 1,930 |
| Average equity | $38,237,333 | 1,933 |
| Average total loans | $336,323,667 | 1,643 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7740% | 432 |
| Cost of funding earning assets | 2.0706% | 254 |
| Net interest margin | 3.7034% | 1,893 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.5411% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8101% | 3,162 |
| Return on assets (ROA) | 0.8101% | 3,114 |
| Pretax return on assets | 1.0185% | 2,937 |
| Return on Equity (ROE) | 8.9600% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.9567% | 1,963 |
| Net charge-offs to loans | -0.0012% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.3867% | 1,589 |
| Assets per employee ($millions) | 7.6453% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,592 |
| Loan loss allowance to noncurrent loans | 1,023.7500% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,040 |
| Noncurrent loans to loans | 0.0958% | 3,066 |
| Net loans and leases to total assets | 78.6200% | 696 |
| Net loans and leases to deposits | 89.0702% | 1,131 |
| Net loans and leases to core deposits | 93.9996% | 1,395 |
| Total domestic deposits to total assets | 88.2700% | 1,833 |
| Equity capital to assets | 9.2123% | 2,363 |
| Core capital (leverage) ratio | 9.9271% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4058% | 2,599 |
| Memoranda: | ||
| Average total assets | $422,183,500 | 1,971 |
| Average earning assets | $392,933,500 | 1,958 |
| Average equity | $38,183,500 | 1,957 |
| Average total loans | $332,305,500 | 1,677 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 605 |
| Cost of funding earning assets | 0.6735% | 662 |
| Net interest margin | 3.9341% | 886 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 2.4770% | 2,190 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1044% | 2,155 |
| Return on assets (ROA) | 1.0002% | 2,517 |
| Pretax return on assets | 1.2584% | 2,244 |
| Return on Equity (ROE) | 12.2200% | 2,070 |
| Retained earnings to average equity (ytd only) | 12.2212% | 627 |
| Net charge-offs to loans | 0.0492% | 1,183 |
| Credit loss provision to net charge-offs | -16.8831% | 4,549 |
| Earnings coverage of net charge-offs (x) | 39.9351% | 1,510 |
| Efficiency ratio | 64.1462% | 2,471 |
| Assets per employee ($millions) | 7.7068% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 3,443 |
| Loan loss allowance to noncurrent loans | 3,852.9412% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 3,646 |
| Noncurrent loans to loans | 0.0257% | 3,610 |
| Net loans and leases to total assets | 77.2600% | 869 |
| Net loans and leases to deposits | 86.1159% | 1,308 |
| Net loans and leases to core deposits | 89.8218% | 1,511 |
| Total domestic deposits to total assets | 89.7100% | 1,479 |
| Equity capital to assets | 8.8776% | 2,435 |
| Core capital (leverage) ratio | 9.3832% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2542% | 2,660 |
| Memoranda: | ||
| Average total assets | $444,204,400 | 1,870 |
| Average earning assets | $422,149,800 | 1,841 |
| Average equity | $36,355,000 | 2,054 |
| Average total loans | $313,274,000 | 1,663 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 750 |
| Cost of funding earning assets | 0.4703% | 877 |
| Net interest margin | 3.8206% | 920 |
| Noninterest income to average assets | 0.1200% | 4,379 |
| Noninterest expense to average assets | 2.3824% | 2,391 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.0841% | 2,162 |
| Return on assets (ROA) | 1.0841% | 2,129 |
| Pretax return on assets | 1.3615% | 1,845 |
| Return on Equity (ROE) | 13.5200% | 1,558 |
| Retained earnings to average equity (ytd only) | 13.5157% | 537 |
| Net charge-offs to loans | 0.0574% | 905 |
| Credit loss provision to net charge-offs | 133.0827% | 1,169 |
| Earnings coverage of net charge-offs (x) | 35.8271% | 1,434 |
| Efficiency ratio | 62.7531% | 2,721 |
| Assets per employee ($millions) | 8.1043% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 2,975 |
| Loan loss allowance to noncurrent loans | 3,068.4211% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 3,671 |
| Noncurrent loans to loans | 0.0361% | 3,637 |
| Net loans and leases to total assets | 71.3400% | 1,359 |
| Net loans and leases to deposits | 79.0354% | 1,630 |
| Net loans and leases to core deposits | 83.5617% | 1,686 |
| Total domestic deposits to total assets | 90.2700% | 1,540 |
| Equity capital to assets | 8.3451% | 2,647 |
| Core capital (leverage) ratio | 8.6453% | 3,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3136% | 2,717 |
| Memoranda: | ||
| Average total assets | $449,286,500 | 1,863 |
| Average earning assets | $431,792,000 | 1,822 |
| Average equity | $36,036,250 | 2,105 |
| Average total loans | $308,907,000 | 1,674 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0816% | 802 |
| Cost of funding earning assets | 0.3610% | 1,187 |
| Net interest margin | 3.7207% | 878 |
| Noninterest income to average assets | 0.1262% | 4,367 |
| Noninterest expense to average assets | 2.3625% | 2,363 |
| Loan and lease loss provision to assets | 0.0591% | 1,529 |
| Net operating income to assets | 1.0212% | 2,085 |
| Return on assets (ROA) | 1.0212% | 2,052 |
| Pretax return on assets | 1.2847% | 1,797 |
| Return on Equity (ROE) | 12.9005% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.9005% | 478 |
| Net charge-offs to loans | 0.0496% | 897 |
| Credit loss provision to net charge-offs | 176.3158% | 1,030 |
| Earnings coverage of net charge-offs (x) | 40.0658% | 1,256 |
| Efficiency ratio | 63.7414% | 2,804 |
| Assets per employee ($millions) | 8.3160% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,080 |
| Loan loss allowance to noncurrent loans | 2,701.5385% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,696 |
| Noncurrent loans to loans | 0.0414% | 3,634 |
| Net loans and leases to total assets | 67.8306% | 1,489 |
| Net loans and leases to deposits | 74.7170% | 1,785 |
| Net loans and leases to core deposits | 78.9844% | 1,777 |
| Total domestic deposits to total assets | 90.7834% | 1,347 |
| Equity capital to assets | 7.9733% | 3,144 |
| Core capital (leverage) ratio | 8.0832% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1585% | 2,766 |
| Memoranda: | ||
| Average total assets | $453,170,667 | 1,867 |
| Average earning assets | $436,050,667 | 1,823 |
| Average equity | $35,874,667 | 2,162 |
| Average total loans | $306,637,000 | 1,687 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 759 |
| Cost of funding earning assets | 0.3170% | 1,492 |
| Net interest margin | 3.6906% | 760 |
| Noninterest income to average assets | 0.1215% | 4,399 |
| Noninterest expense to average assets | 2.3846% | 2,221 |
| Loan and lease loss provision to assets | 0.0355% | 1,725 |
| Net operating income to assets | 0.9905% | 1,914 |
| Return on assets (ROA) | 0.9905% | 1,910 |
| Pretax return on assets | 1.2530% | 1,648 |
| Return on Equity (ROE) | 12.5583% | 1,138 |
| Retained earnings to average equity (ytd only) | 12.5583% | 517 |
| Net charge-offs to loans | -0.0092% | 3,554 |
| Credit loss provision to net charge-offs | -571.4286% | 3,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9203% | 2,923 |
| Assets per employee ($millions) | 8.3306% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,042 |
| Loan loss allowance to noncurrent loans | 1,832.9843% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,616 |
| Noncurrent loans to loans | 0.0634% | 3,539 |
| Net loans and leases to total assets | 64.9469% | 1,507 |
| Net loans and leases to deposits | 72.0775% | 1,772 |
| Net loans and leases to core deposits | 76.7979% | 1,724 |
| Total domestic deposits to total assets | 90.1070% | 1,500 |
| Equity capital to assets | 7.8032% | 3,726 |
| Core capital (leverage) ratio | 8.1336% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3200% | 2,824 |
| Memoranda: | ||
| Average total assets | $451,066,500 | 1,881 |
| Average earning assets | $434,072,000 | 1,843 |
| Average equity | $35,578,000 | 2,236 |
| Average total loans | $303,078,000 | 1,692 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 1,467 |
| Cost of funding earning assets | 0.3822% | 1,666 |
| Net interest margin | 3.5752% | 1,536 |
| Noninterest income to average assets | 0.2252% | 4,028 |
| Noninterest expense to average assets | 2.2745% | 2,866 |
| Loan and lease loss provision to assets | 0.0758% | 1,603 |
| Net operating income to assets | 1.0738% | 2,396 |
| Return on assets (ROA) | 1.0738% | 2,470 |
| Pretax return on assets | 1.3101% | 2,327 |
| Return on Equity (ROE) | 14.3051% | 1,103 |
| Retained earnings to average equity (ytd only) | 14.3051% | 281 |
| Net charge-offs to loans | 0.0066% | 2,330 |
| Credit loss provision to net charge-offs | 1,670.0000% | 352 |
| Earnings coverage of net charge-offs (x) | 305.3000% | 403 |
| Efficiency ratio | 62.1380% | 2,851 |
| Assets per employee ($millions) | 9.2490% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,216 |
| Loan loss allowance to noncurrent loans | 1,771.2821% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,687 |
| Noncurrent loans to loans | 0.0639% | 3,625 |
| Net loans and leases to total assets | 67.9413% | 1,273 |
| Net loans and leases to deposits | 76.1591% | 1,549 |
| Net loans and leases to core deposits | 81.4338% | 1,494 |
| Total domestic deposits to total assets | 89.2096% | 1,410 |
| Equity capital to assets | 7.9745% | 4,375 |
| Core capital (leverage) ratio | 7.7130% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9780% | 2,642 |
| Memoranda: | ||
| Average total assets | $440,589,000 | 1,863 |
| Average earning assets | $423,335,600 | 1,830 |
| Average equity | $33,072,200 | 2,383 |
| Average total loans | $302,073,400 | 1,699 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 1,566 |
| Cost of funding earning assets | 0.3912% | 1,768 |
| Net interest margin | 3.5959% | 1,607 |
| Noninterest income to average assets | 0.1377% | 4,510 |
| Noninterest expense to average assets | 2.2891% | 2,781 |
| Loan and lease loss provision to assets | 0.0737% | 1,570 |
| Net operating income to assets | 0.9727% | 3,009 |
| Return on assets (ROA) | 0.9727% | 3,089 |
| Pretax return on assets | 1.2282% | 2,840 |
| Return on Equity (ROE) | 13.1649% | 1,647 |
| Retained earnings to average equity (ytd only) | 13.1649% | 613 |
| Net charge-offs to loans | 0.0088% | 1,991 |
| Credit loss provision to net charge-offs | 1,215.0000% | 465 |
| Earnings coverage of net charge-offs (x) | 214.7000% | 530 |
| Efficiency ratio | 63.7454% | 2,427 |
| Assets per employee ($millions) | 8.4192% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,434 |
| Loan loss allowance to noncurrent loans | 2,899.1379% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 4,001 |
| Noncurrent loans to loans | 0.0380% | 3,937 |
| Net loans and leases to total assets | 67.7184% | 1,352 |
| Net loans and leases to deposits | 75.5198% | 1,713 |
| Net loans and leases to core deposits | 79.3559% | 1,791 |
| Total domestic deposits to total assets | 89.6697% | 930 |
| Equity capital to assets | 7.6155% | 4,673 |
| Core capital (leverage) ratio | 7.3657% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9333% | 2,731 |
| Memoranda: | ||
| Average total assets | $439,748,500 | 1,891 |
| Average earning assets | $422,316,500 | 1,847 |
| Average equity | $32,489,500 | 2,436 |
| Average total loans | $301,321,750 | 1,732 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 1,700 |
| Cost of funding earning assets | 0.3923% | 1,952 |
| Net interest margin | 3.5528% | 1,701 |
| Noninterest income to average assets | 0.1389% | 4,504 |
| Noninterest expense to average assets | 2.2249% | 2,997 |
| Loan and lease loss provision to assets | 0.1019% | 1,246 |
| Net operating income to assets | 0.9712% | 2,997 |
| Return on assets (ROA) | 0.9712% | 3,079 |
| Pretax return on assets | 1.2231% | 2,850 |
| Return on Equity (ROE) | 13.2846% | 1,629 |
| Retained earnings to average equity (ytd only) | 13.2846% | 672 |
| Net charge-offs to loans | 0.0140% | 1,667 |
| Credit loss provision to net charge-offs | 1,061.9048% | 457 |
| Earnings coverage of net charge-offs (x) | 138.0476% | 619 |
| Efficiency ratio | 62.6754% | 2,633 |
| Assets per employee ($millions) | 8.3715% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 3,502 |
| Loan loss allowance to noncurrent loans | 2,653.1746% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,078 |
| Noncurrent loans to loans | 0.0407% | 3,988 |
| Net loans and leases to total assets | 67.7939% | 1,473 |
| Net loans and leases to deposits | 75.3268% | 1,889 |
| Net loans and leases to core deposits | 79.5204% | 1,925 |
| Total domestic deposits to total assets | 89.9996% | 777 |
| Equity capital to assets | 7.2875% | 4,787 |
| Core capital (leverage) ratio | 7.5366% | 4,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7845% | 2,779 |
| Memoranda: | ||
| Average total assets | $437,591,333 | 1,888 |
| Average earning assets | $420,114,667 | 1,844 |
| Average equity | $31,992,000 | 2,448 |
| Average total loans | $299,917,000 | 1,745 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 1,483 |
| Cost of funding earning assets | 0.4085% | 2,023 |
| Net interest margin | 3.6526% | 1,442 |
| Noninterest income to average assets | 0.1450% | 4,480 |
| Noninterest expense to average assets | 2.1136% | 3,382 |
| Loan and lease loss provision to assets | 0.0679% | 1,799 |
| Net operating income to assets | 1.1730% | 2,256 |
| Return on assets (ROA) | 1.1730% | 2,326 |
| Pretax return on assets | 1.4704% | 2,074 |
| Return on Equity (ROE) | 16.0173% | 1,011 |
| Retained earnings to average equity (ytd only) | 16.0173% | 519 |
| Net charge-offs to loans | -0.0081% | 3,585 |
| Credit loss provision to net charge-offs | -1,216.6667% | 3,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8773% | 3,317 |
| Assets per employee ($millions) | 9.1870% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 3,539 |
| Loan loss allowance to noncurrent loans | 1,951.5152% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 4,100 |
| Noncurrent loans to loans | 0.0551% | 4,011 |
| Net loans and leases to total assets | 68.5616% | 1,457 |
| Net loans and leases to deposits | 80.7896% | 1,445 |
| Net loans and leases to core deposits | 83.4239% | 1,722 |
| Total domestic deposits to total assets | 84.8644% | 3,159 |
| Equity capital to assets | 7.4353% | 4,732 |
| Core capital (leverage) ratio | 8.1000% | 4,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2540% | 2,579 |
| Memoranda: | ||
| Average total assets | $430,355,500 | 1,897 |
| Average earning assets | $413,179,500 | 1,861 |
| Average equity | $31,516,000 | 2,464 |
| Average total loans | $294,968,500 | 1,770 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3359% | 1,758 |
| Cost of funding earning assets | 0.7209% | 1,613 |
| Net interest margin | 3.6150% | 2,089 |
| Noninterest income to average assets | 0.1597% | 4,498 |
| Noninterest expense to average assets | 2.2474% | 3,549 |
| Loan and lease loss provision to assets | 0.3489% | 993 |
| Net operating income to assets | 0.8346% | 2,961 |
| Return on assets (ROA) | 0.8346% | 3,089 |
| Pretax return on assets | 1.0618% | 2,836 |
| Return on Equity (ROE) | 10.8904% | 1,675 |
| Retained earnings to average equity (ytd only) | 10.8904% | 448 |
| Net charge-offs to loans | 0.1291% | 1,219 |
| Credit loss provision to net charge-offs | 357.5000% | 1,559 |
| Earnings coverage of net charge-offs (x) | 14.4528% | 2,213 |
| Efficiency ratio | 61.4364% | 3,235 |
| Assets per employee ($millions) | 9.5316% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,554 |
| Loan loss allowance to noncurrent loans | 1,950.9317% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 4,166 |
| Noncurrent loans to loans | 0.0554% | 4,072 |
| Net loans and leases to total assets | 67.0365% | 1,950 |
| Net loans and leases to deposits | 83.2854% | 1,517 |
| Net loans and leases to core deposits | 86.8381% | 1,802 |
| Total domestic deposits to total assets | 80.4901% | 3,957 |
| Equity capital to assets | 7.2104% | 4,887 |
| Core capital (leverage) ratio | 7.9921% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8944% | 2,673 |
| Memoranda: | ||
| Average total assets | $368,821,200 | 1,965 |
| Average earning assets | $356,926,800 | 1,908 |
| Average equity | $28,263,400 | 2,588 |
| Average total loans | $278,779,200 | 1,781 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 1,963 |
| Cost of funding earning assets | 0.7977% | 1,510 |
| Net interest margin | 3.5577% | 2,401 |
| Noninterest income to average assets | 0.1360% | 4,615 |
| Noninterest expense to average assets | 2.2464% | 3,558 |
| Loan and lease loss provision to assets | 0.4658% | 672 |
| Net operating income to assets | 0.6885% | 3,494 |
| Return on assets (ROA) | 0.6885% | 3,596 |
| Pretax return on assets | 0.8728% | 3,454 |
| Return on Equity (ROE) | 8.8267% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.8267% | 1,029 |
| Net charge-offs to loans | 0.0541% | 1,832 |
| Credit loss provision to net charge-offs | 1,103.5714% | 780 |
| Earnings coverage of net charge-offs (x) | 31.7143% | 1,532 |
| Efficiency ratio | 62.6616% | 2,960 |
| Assets per employee ($millions) | 10.0208% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,195 |
| Loan loss allowance to noncurrent loans | 2,587.5969% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,313 |
| Noncurrent loans to loans | 0.0426% | 4,216 |
| Net loans and leases to total assets | 69.5115% | 2,026 |
| Net loans and leases to deposits | 90.2957% | 1,237 |
| Net loans and leases to core deposits | 94.5311% | 1,592 |
| Total domestic deposits to total assets | 76.9820% | 4,327 |
| Equity capital to assets | 6.8509% | 4,968 |
| Core capital (leverage) ratio | 7.8913% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9860% | 2,616 |
| Memoranda: | ||
| Average total assets | $353,796,500 | 2,013 |
| Average earning assets | $342,984,500 | 1,948 |
| Average equity | $27,597,500 | 2,616 |
| Average total loans | $275,805,500 | 1,783 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,537 |
| Cost of funding earning assets | 0.8778% | 1,467 |
| Net interest margin | 3.7719% | 1,910 |
| Noninterest income to average assets | 0.1445% | 4,583 |
| Noninterest expense to average assets | 2.3987% | 3,264 |
| Loan and lease loss provision to assets | 0.6138% | 514 |
| Net operating income to assets | 0.6212% | 3,670 |
| Return on assets (ROA) | 0.6212% | 3,746 |
| Pretax return on assets | 0.7833% | 3,638 |
| Return on Equity (ROE) | 7.5603% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.5603% | 1,441 |
| Net charge-offs to loans | 0.0727% | 1,522 |
| Credit loss provision to net charge-offs | 1,038.1443% | 770 |
| Earnings coverage of net charge-offs (x) | 23.6289% | 1,593 |
| Efficiency ratio | 63.1925% | 2,929 |
| Assets per employee ($millions) | 9.2023% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 3,401 |
| Loan loss allowance to noncurrent loans | 1,183.3333% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,213 |
| Noncurrent loans to loans | 0.0872% | 4,110 |
| Net loans and leases to total assets | 72.3197% | 1,649 |
| Net loans and leases to deposits | 94.6601% | 899 |
| Net loans and leases to core deposits | 98.7812% | 1,353 |
| Total domestic deposits to total assets | 76.3993% | 4,386 |
| Equity capital to assets | 6.7676% | 4,995 |
| Core capital (leverage) ratio | 8.6165% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4794% | 2,823 |
| Memoranda: | ||
| Average total assets | $328,097,667 | 2,098 |
| Average earning assets | $317,615,333 | 2,039 |
| Average equity | $26,956,667 | 2,648 |
| Average total loans | $266,788,000 | 1,808 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2816% | 569 |
| Cost of funding earning assets | 1.0860% | 1,090 |
| Net interest margin | 4.1956% | 934 |
| Noninterest income to average assets | 0.1361% | 4,686 |
| Noninterest expense to average assets | 2.8594% | 2,242 |
| Loan and lease loss provision to assets | 0.7815% | 315 |
| Net operating income to assets | 0.4420% | 4,042 |
| Return on assets (ROA) | 0.4420% | 4,086 |
| Pretax return on assets | 0.5444% | 4,045 |
| Return on Equity (ROE) | 4.7687% | 3,720 |
| Retained earnings to average equity (ytd only) | 4.7687% | 2,383 |
| Net charge-offs to loans | -0.0032% | 3,742 |
| Credit loss provision to net charge-offs | -27,850.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3205% | 2,614 |
| Assets per employee ($millions) | 6.6098% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 3,211 |
| Loan loss allowance to noncurrent loans | 905.8824% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 4,098 |
| Noncurrent loans to loans | 0.1213% | 4,034 |
| Net loans and leases to total assets | 85.7791% | 154 |
| Net loans and leases to deposits | 98.8294% | 637 |
| Net loans and leases to core deposits | 104.5237% | 1,153 |
| Total domestic deposits to total assets | 86.7952% | 1,651 |
| Equity capital to assets | 9.2173% | 4,454 |
| Core capital (leverage) ratio | 9.4911% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6650% | 3,195 |
| Memoranda: | ||
| Average total assets | $285,095,000 | 2,288 |
| Average earning assets | $275,145,500 | 2,224 |
| Average equity | $26,422,500 | 2,683 |
| Average total loans | $248,881,000 | 1,866 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 429 |
| Cost of funding earning assets | 1.2205% | 977 |
| Net interest margin | 4.4434% | 816 |
| Noninterest income to average assets | 0.1673% | 4,653 |
| Noninterest expense to average assets | 2.9814% | 2,065 |
| Loan and lease loss provision to assets | 0.1608% | 1,302 |
| Net operating income to assets | 1.0023% | 2,840 |
| Return on assets (ROA) | 1.0023% | 2,925 |
| Pretax return on assets | 1.2830% | 2,564 |
| Return on Equity (ROE) | 10.8070% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.8070% | 360 |
| Net charge-offs to loans | 0.1297% | 1,473 |
| Credit loss provision to net charge-offs | 138.1107% | 1,866 |
| Earnings coverage of net charge-offs (x) | 12.3974% | 2,418 |
| Efficiency ratio | 67.3725% | 2,550 |
| Assets per employee ($millions) | 6.3490% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 3,953 |
| Loan loss allowance to noncurrent loans | 745.1178% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 4,093 |
| Noncurrent loans to loans | 0.1210% | 4,045 |
| Net loans and leases to total assets | 87.0939% | 118 |
| Net loans and leases to deposits | 97.6787% | 786 |
| Net loans and leases to core deposits | 102.8131% | 1,330 |
| Total domestic deposits to total assets | 89.1637% | 604 |
| Equity capital to assets | 9.3207% | 4,478 |
| Core capital (leverage) ratio | 9.5975% | 3,963 |
| Tier 1 risk-based capital ratio | 10.3803% | 5,054 |
| Total risk-based capital ratio | 11.2671% | 5,077 |
| Memoranda: | ||
| Average total assets | $263,601,600 | 2,375 |
| Average earning assets | $252,600,000 | 2,319 |
| Average equity | $24,447,200 | 2,752 |
| Average total loans | $236,641,800 | 1,909 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 407 |
| Cost of funding earning assets | 1.2598% | 882 |
| Net interest margin | 4.4526% | 852 |
| Noninterest income to average assets | 0.1551% | 4,772 |
| Noninterest expense to average assets | 2.9669% | 2,064 |
| Loan and lease loss provision to assets | 0.1833% | 988 |
| Net operating income to assets | 0.9920% | 3,012 |
| Return on assets (ROA) | 0.9920% | 3,082 |
| Pretax return on assets | 1.2642% | 2,774 |
| Return on Equity (ROE) | 10.7110% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.7110% | 580 |
| Net charge-offs to loans | 0.1752% | 965 |
| Credit loss provision to net charge-offs | 115.9091% | 2,010 |
| Earnings coverage of net charge-offs (x) | 9.1525% | 2,592 |
| Efficiency ratio | 67.2095% | 2,548 |
| Assets per employee ($millions) | 6.2156% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 4,033 |
| Loan loss allowance to noncurrent loans | 1,341.2500% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,415 |
| Noncurrent loans to loans | 0.0673% | 4,336 |
| Net loans and leases to total assets | 88.1839% | 88 |
| Net loans and leases to deposits | 99.1477% | 711 |
| Net loans and leases to core deposits | 104.0643% | 1,318 |
| Total domestic deposits to total assets | 88.9420% | 630 |
| Equity capital to assets | 9.4937% | 4,459 |
| Core capital (leverage) ratio | 9.4823% | 4,183 |
| Tier 1 risk-based capital ratio | 10.5251% | 5,070 |
| Total risk-based capital ratio | 11.4217% | 5,086 |
| Memoranda: | ||
| Average total assets | $259,662,750 | 2,419 |
| Average earning assets | $248,389,000 | 2,364 |
| Average equity | $24,049,500 | 2,802 |
| Average total loans | $234,423,250 | 1,946 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6957% | 413 |
| Cost of funding earning assets | 1.2719% | 816 |
| Net interest margin | 4.4238% | 900 |
| Noninterest income to average assets | 0.1431% | 4,852 |
| Noninterest expense to average assets | 2.9861% | 2,043 |
| Loan and lease loss provision to assets | 0.2193% | 756 |
| Net operating income to assets | 0.9303% | 3,166 |
| Return on assets (ROA) | 0.9303% | 3,231 |
| Pretax return on assets | 1.1769% | 2,995 |
| Return on Equity (ROE) | 10.1322% | 2,328 |
| Retained earnings to average equity (ytd only) | 10.1322% | 719 |
| Net charge-offs to loans | 0.2349% | 718 |
| Credit loss provision to net charge-offs | 102.9197% | 1,924 |
| Earnings coverage of net charge-offs (x) | 6.5511% | 2,554 |
| Efficiency ratio | 68.1399% | 2,510 |
| Assets per employee ($millions) | 5.8718% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 4,126 |
| Loan loss allowance to noncurrent loans | 1,031.3725% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 4,246 |
| Noncurrent loans to loans | 0.0865% | 4,293 |
| Net loans and leases to total assets | 90.4513% | 48 |
| Net loans and leases to deposits | 101.3149% | 587 |
| Net loans and leases to core deposits | 106.8683% | 1,185 |
| Total domestic deposits to total assets | 89.2773% | 552 |
| Equity capital to assets | 9.5073% | 4,396 |
| Core capital (leverage) ratio | 9.2599% | 4,396 |
| Tier 1 risk-based capital ratio | 10.3780% | 5,146 |
| Total risk-based capital ratio | 11.2709% | 5,167 |
| Memoranda: | ||
| Average total assets | $257,126,330 | 2,438 |
| Average earning assets | $246,395,000 | 2,380 |
| Average equity | $23,608,000 | 2,835 |
| Average total loans | $233,285,330 | 1,956 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5628% | 465 |
| Cost of funding earning assets | 1.2856% | 689 |
| Net interest margin | 4.2772% | 1,139 |
| Noninterest income to average assets | 0.1778% | 4,683 |
| Noninterest expense to average assets | 3.0174% | 1,948 |
| Loan and lease loss provision to assets | 0.1138% | 1,554 |
| Net operating income to assets | 0.9029% | 3,222 |
| Return on assets (ROA) | 0.9029% | 3,272 |
| Pretax return on assets | 1.1399% | 3,013 |
| Return on Equity (ROE) | 10.0128% | 2,367 |
| Retained earnings to average equity (ytd only) | 10.0128% | 1,031 |
| Net charge-offs to loans | -0.0052% | 4,037 |
| Credit loss provision to net charge-offs | -2,433.3333% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6462% | 2,247 |
| Assets per employee ($millions) | 6.0793% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,034 |
| Loan loss allowance to noncurrent loans | 508.6651% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 3,838 |
| Noncurrent loans to loans | 0.1829% | 3,932 |
| Net loans and leases to total assets | 88.4843% | 86 |
| Net loans and leases to deposits | 98.7061% | 727 |
| Net loans and leases to core deposits | 106.8660% | 1,112 |
| Total domestic deposits to total assets | 89.6442% | 580 |
| Equity capital to assets | 9.1183% | 4,603 |
| Core capital (leverage) ratio | 9.4031% | 4,251 |
| Tier 1 risk-based capital ratio | 10.1603% | 5,251 |
| Total risk-based capital ratio | 11.0861% | 5,269 |
| Memoranda: | ||
| Average total assets | $256,510,000 | 2,473 |
| Average earning assets | $245,489,000 | 2,414 |
| Average equity | $23,130,500 | 2,872 |
| Average total loans | $232,031,500 | 1,979 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4751% | 428 |
| Cost of funding earning assets | 1.0319% | 664 |
| Net interest margin | 4.4432% | 854 |
| Noninterest income to average assets | 0.1879% | 4,782 |
| Noninterest expense to average assets | 3.0651% | 1,883 |
| Loan and lease loss provision to assets | 0.1251% | 1,760 |
| Net operating income to assets | 0.9764% | 3,111 |
| Return on assets (ROA) | 0.9764% | 3,110 |
| Pretax return on assets | 1.2480% | 2,704 |
| Return on Equity (ROE) | 10.8922% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.8922% | 460 |
| Net charge-offs to loans | 0.0014% | 3,716 |
| Credit loss provision to net charge-offs | 9,766.6667% | 47 |
| Earnings coverage of net charge-offs (x) | 1,072.0000% | 102 |
| Efficiency ratio | 69.0620% | 2,373 |
| Assets per employee ($millions) | 6.1369% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 4,120 |
| Loan loss allowance to noncurrent loans | 503.8462% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,818 |
| Noncurrent loans to loans | 0.1804% | 3,945 |
| Net loans and leases to total assets | 90.8105% | 47 |
| Net loans and leases to deposits | 102.0368% | 589 |
| Net loans and leases to core deposits | 136.9967% | 229 |
| Total domestic deposits to total assets | 88.9977% | 855 |
| Equity capital to assets | 8.9125% | 4,642 |
| Core capital (leverage) ratio | 9.0406% | 4,613 |
| Tier 1 risk-based capital ratio | 9.7070% | 5,353 |
| Total risk-based capital ratio | 10.6128% | 5,358 |
| Memoranda: | ||
| Average total assets | $234,217,200 | 2,584 |
| Average earning assets | $224,051,200 | 2,528 |
| Average equity | $20,996,600 | 2,993 |
| Average total loans | $217,362,000 | 2,044 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4040% | 439 |
| Cost of funding earning assets | 0.9948% | 610 |
| Net interest margin | 4.4092% | 883 |
| Noninterest income to average assets | 0.2007% | 4,769 |
| Noninterest expense to average assets | 3.0950% | 1,777 |
| Loan and lease loss provision to assets | 0.1073% | 1,866 |
| Net operating income to assets | 0.9547% | 3,287 |
| Return on assets (ROA) | 0.9547% | 3,300 |
| Pretax return on assets | 1.2146% | 2,933 |
| Return on Equity (ROE) | 10.6331% | 2,333 |
| Retained earnings to average equity (ytd only) | 10.6331% | 738 |
| Net charge-offs to loans | -0.0448% | 4,891 |
| Credit loss provision to net charge-offs | -256.9444% | 4,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0722% | 2,176 |
| Assets per employee ($millions) | 5.9038% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,179 |
| Loan loss allowance to noncurrent loans | 659.4249% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,120 |
| Noncurrent loans to loans | 0.1396% | 4,257 |
| Net loans and leases to total assets | 91.7890% | 30 |
| Net loans and leases to deposits | 102.1611% | 636 |
| Net loans and leases to core deposits | 127.9405% | 365 |
| Total domestic deposits to total assets | 89.8473% | 559 |
| Equity capital to assets | 8.9410% | 4,603 |
| Core capital (leverage) ratio | 9.1074% | 4,609 |
| Tier 1 risk-based capital ratio | 9.7299% | 5,419 |
| Total risk-based capital ratio | 10.6504% | 5,430 |
| Memoranda: | ||
| Average total assets | $229,868,500 | 2,627 |
| Average earning assets | $219,807,500 | 2,578 |
| Average equity | $20,639,500 | 3,052 |
| Average total loans | $214,056,000 | 2,076 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3603% | 419 |
| Cost of funding earning assets | 0.9410% | 607 |
| Net interest margin | 4.4193% | 813 |
| Noninterest income to average assets | 0.1515% | 5,065 |
| Noninterest expense to average assets | 3.1416% | 1,686 |
| Loan and lease loss provision to assets | 0.0859% | 2,192 |
| Net operating income to assets | 0.9008% | 3,452 |
| Return on assets (ROA) | 0.9008% | 3,459 |
| Pretax return on assets | 1.1461% | 3,147 |
| Return on Equity (ROE) | 10.0171% | 2,556 |
| Retained earnings to average equity (ytd only) | 10.0171% | 923 |
| Net charge-offs to loans | -0.0180% | 4,522 |
| Credit loss provision to net charge-offs | -510.5263% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8307% | 2,030 |
| Assets per employee ($millions) | 5.3747% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 4,352 |
| Loan loss allowance to noncurrent loans | 1,137.8698% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 4,430 |
| Noncurrent loans to loans | 0.0788% | 4,559 |
| Net loans and leases to total assets | 91.9169% | 27 |
| Net loans and leases to deposits | 109.1393% | 307 |
| Net loans and leases to core deposits | 122.9110% | 491 |
| Total domestic deposits to total assets | 84.2198% | 2,981 |
| Equity capital to assets | 9.0025% | 4,556 |
| Core capital (leverage) ratio | 9.0923% | 4,595 |
| Tier 1 risk-based capital ratio | 9.8021% | 5,466 |
| Total risk-based capital ratio | 10.7024% | 5,483 |
| Memoranda: | ||
| Average total assets | $225,806,670 | 2,672 |
| Average earning assets | $215,733,330 | 2,621 |
| Average equity | $20,305,330 | 3,103 |
| Average total loans | $210,660,330 | 2,099 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2452% | 448 |
| Cost of funding earning assets | 0.8755% | 676 |
| Net interest margin | 4.3698% | 819 |
| Noninterest income to average assets | 0.1255% | 5,231 |
| Noninterest expense to average assets | 3.0974% | 1,832 |
| Loan and lease loss provision to assets | 0.0520% | 2,732 |
| Net operating income to assets | 0.8980% | 3,297 |
| Return on assets (ROA) | 0.8980% | 3,305 |
| Pretax return on assets | 1.1454% | 2,984 |
| Return on Equity (ROE) | 9.9925% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.9925% | 1,158 |
| Net charge-offs to loans | 0.0364% | 1,794 |
| Credit loss provision to net charge-offs | 152.6316% | 1,223 |
| Earnings coverage of net charge-offs (x) | 35.1579% | 1,142 |
| Efficiency ratio | 72.1202% | 2,177 |
| Assets per employee ($millions) | 5.5023% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 4,604 |
| Loan loss allowance to noncurrent loans | 800.4405% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 4,364 |
| Noncurrent loans to loans | 0.1074% | 4,496 |
| Net loans and leases to total assets | 92.9006% | 14 |
| Net loans and leases to deposits | 110.6652% | 236 |
| Net loans and leases to core deposits | 124.9583% | 446 |
| Total domestic deposits to total assets | 83.9474% | 3,345 |
| Equity capital to assets | 9.0081% | 4,545 |
| Core capital (leverage) ratio | 9.1078% | 4,562 |
| Tier 1 risk-based capital ratio | 9.8211% | 5,531 |
| Total risk-based capital ratio | 10.6948% | 5,545 |
| Memoranda: | ||
| Average total assets | $223,153,500 | 2,724 |
| Average earning assets | $212,917,500 | 2,661 |
| Average equity | $20,055,000 | 3,152 |
| Average total loans | $208,813,000 | 2,127 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2084% | 440 |
| Cost of funding earning assets | 0.7751% | 717 |
| Net interest margin | 4.4333% | 707 |
| Noninterest income to average assets | 0.3053% | 4,271 |
| Noninterest expense to average assets | 3.0610% | 1,977 |
| Loan and lease loss provision to assets | 0.2103% | 950 |
| Net operating income to assets | 0.7636% | 3,327 |
| Return on assets (ROA) | 0.7636% | 3,363 |
| Pretax return on assets | 1.2471% | 2,567 |
| Return on Equity (ROE) | 8.8701% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.8701% | 530 |
| Net charge-offs to loans | 0.2543% | 1,030 |
| Credit loss provision to net charge-offs | 88.4540% | 2,818 |
| Earnings coverage of net charge-offs (x) | 6.1292% | 3,223 |
| Efficiency ratio | 67.7446% | 2,945 |
| Assets per employee ($millions) | 5.5178% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,574 |
| Loan loss allowance to noncurrent loans | 522.2543% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 4,130 |
| Noncurrent loans to loans | 0.1678% | 4,251 |
| Net loans and leases to total assets | 92.6198% | 24 |
| Net loans and leases to deposits | 107.5469% | 338 |
| Net loans and leases to core deposits | 119.8478% | 586 |
| Total domestic deposits to total assets | 86.1203% | 2,382 |
| Equity capital to assets | 8.9656% | 4,755 |
| Core capital (leverage) ratio | 9.0155% | 4,632 |
| Tier 1 risk-based capital ratio | 9.7443% | 5,574 |
| Total risk-based capital ratio | 10.6326% | 5,598 |
| Memoranda: | ||
| Average total assets | $214,894,200 | 2,766 |
| Average earning assets | $204,226,000 | 2,731 |
| Average equity | $18,500,400 | 3,299 |
| Average total loans | $200,911,200 | 2,149 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 432 |
| Cost of funding earning assets | 0.7598% | 724 |
| Net interest margin | 4.4219% | 701 |
| Noninterest income to average assets | 0.2936% | 4,434 |
| Noninterest expense to average assets | 3.0378% | 2,007 |
| Loan and lease loss provision to assets | 0.2524% | 686 |
| Net operating income to assets | 0.7915% | 3,556 |
| Return on assets (ROA) | 0.7915% | 3,610 |
| Pretax return on assets | 1.2025% | 2,899 |
| Return on Equity (ROE) | 9.2928% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.2928% | 764 |
| Net charge-offs to loans | 0.2579% | 838 |
| Credit loss provision to net charge-offs | 104.6632% | 2,211 |
| Earnings coverage of net charge-offs (x) | 6.0337% | 3,029 |
| Efficiency ratio | 67.6168% | 2,944 |
| Assets per employee ($millions) | 5.6744% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,517 |
| Loan loss allowance to noncurrent loans | 297.4724% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 3,920 |
| Noncurrent loans to loans | 0.3063% | 3,842 |
| Net loans and leases to total assets | 92.5346% | 24 |
| Net loans and leases to deposits | 109.2433% | 306 |
| Net loans and leases to core deposits | 127.3054% | 382 |
| Total domestic deposits to total assets | 84.7051% | 2,836 |
| Equity capital to assets | 8.7921% | 5,085 |
| Core capital (leverage) ratio | 8.8810% | 4,887 |
| Tier 1 risk-based capital ratio | 9.4938% | 5,673 |
| Total risk-based capital ratio | 10.4130% | 5,687 |
| Memoranda: | ||
| Average total assets | $213,440,000 | 2,807 |
| Average earning assets | $202,684,750 | 2,767 |
| Average equity | $18,178,500 | 3,369 |
| Average total loans | $199,581,750 | 2,164 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 439 |
| Cost of funding earning assets | 0.7448% | 704 |
| Net interest margin | 4.3967% | 710 |
| Noninterest income to average assets | 0.2893% | 4,487 |
| Noninterest expense to average assets | 3.0386% | 2,018 |
| Loan and lease loss provision to assets | 0.3842% | 358 |
| Net operating income to assets | 0.6802% | 3,933 |
| Return on assets (ROA) | 0.6802% | 4,002 |
| Pretax return on assets | 1.0388% | 3,410 |
| Return on Equity (ROE) | 8.0778% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.0778% | 1,129 |
| Net charge-offs to loans | 0.3357% | 602 |
| Credit loss provision to net charge-offs | 122.3565% | 1,761 |
| Earnings coverage of net charge-offs (x) | 4.5317% | 2,913 |
| Efficiency ratio | 68.1055% | 2,993 |
| Assets per employee ($millions) | 5.4814% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,430 |
| Loan loss allowance to noncurrent loans | 281.0145% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,865 |
| Noncurrent loans to loans | 0.3371% | 3,838 |
| Net loans and leases to total assets | 92.4663% | 28 |
| Net loans and leases to deposits | 122.2248% | 77 |
| Net loans and leases to core deposits | 138.4009% | 200 |
| Total domestic deposits to total assets | 75.6527% | 5,131 |
| Equity capital to assets | 8.6164% | 5,212 |
| Core capital (leverage) ratio | 8.7653% | 4,986 |
| Tier 1 risk-based capital ratio | 9.3956% | 5,718 |
| Total risk-based capital ratio | 10.3595% | 5,732 |
| Memoranda: | ||
| Average total assets | $210,819,330 | 2,854 |
| Average earning assets | $200,057,330 | 2,806 |
| Average equity | $17,752,330 | 3,438 |
| Average total loans | $197,221,000 | 2,192 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 427 |
| Cost of funding earning assets | 0.7292% | 725 |
| Net interest margin | 4.3957% | 647 |
| Noninterest income to average assets | 0.2401% | 4,818 |
| Noninterest expense to average assets | 3.0629% | 1,975 |
| Loan and lease loss provision to assets | 0.3582% | 326 |
| Net operating income to assets | 0.6408% | 3,977 |
| Return on assets (ROA) | 0.6408% | 4,014 |
| Pretax return on assets | 0.9855% | 3,425 |
| Return on Equity (ROE) | 7.7055% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.7055% | 1,573 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5079% | 2,971 |
| Assets per employee ($millions) | 5.7476% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0267% | 4,119 |
| Loan loss allowance to noncurrent loans | 237.8190% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 3,573 |
| Noncurrent loans to loans | 0.4317% | 3,552 |
| Net loans and leases to total assets | 92.9310% | 12 |
| Net loans and leases to deposits | 116.2737% | 117 |
| Net loans and leases to core deposits | 128.3084% | 284 |
| Total domestic deposits to total assets | 79.9243% | 4,631 |
| Equity capital to assets | 8.3843% | 5,312 |
| Core capital (leverage) ratio | 8.5374% | 5,203 |
| Tier 1 risk-based capital ratio | 8.9975% | 5,806 |
| Total risk-based capital ratio | 10.0320% | 5,816 |
| Memoranda: | ||
| Average total assets | $206,601,000 | 2,922 |
| Average earning assets | $195,829,500 | 2,869 |
| Average equity | $17,182,500 | 3,523 |
| Average total loans | $193,493,000 | 2,238 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 572 |
| Cost of funding earning assets | 0.7139% | 767 |
| Net interest margin | 4.3038% | 927 |
| Noninterest income to average assets | 0.2435% | 4,967 |
| Noninterest expense to average assets | 3.1168% | 1,984 |
| Loan and lease loss provision to assets | 0.2579% | 806 |
| Net operating income to assets | 0.6133% | 4,152 |
| Return on assets (ROA) | 0.6133% | 4,270 |
| Pretax return on assets | 0.9421% | 3,685 |
| Return on Equity (ROE) | 7.2900% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.2900% | 1,117 |
| Net charge-offs to loans | 0.2147% | 1,292 |
| Credit loss provision to net charge-offs | 127.0341% | 2,103 |
| Earnings coverage of net charge-offs (x) | 5.9108% | 3,258 |
| Efficiency ratio | 72.2010% | 2,563 |
| Assets per employee ($millions) | 5.5706% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 4,359 |
| Loan loss allowance to noncurrent loans | 211.4512% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 3,251 |
| Noncurrent loans to loans | 0.4709% | 3,462 |
| Net loans and leases to total assets | 92.4714% | 25 |
| Net loans and leases to deposits | 117.5705% | 114 |
| Net loans and leases to core deposits | 128.1903% | 306 |
| Total domestic deposits to total assets | 78.6519% | 4,875 |
| Equity capital to assets | 8.2452% | 5,448 |
| Core capital (leverage) ratio | 8.4296% | 5,337 |
| Tier 1 risk-based capital ratio | 9.0623% | 5,852 |
| Total risk-based capital ratio | 10.0846% | 5,862 |
| Memoranda: | ||
| Average total assets | $187,663,000 | 3,083 |
| Average earning assets | $177,609,400 | 3,039 |
| Average equity | $15,788,800 | 3,721 |
| Average total loans | $177,436,000 | 2,339 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 586 |
| Cost of funding earning assets | 0.7136% | 761 |
| Net interest margin | 4.3005% | 925 |
| Noninterest income to average assets | 0.2458% | 5,004 |
| Noninterest expense to average assets | 3.1228% | 1,967 |
| Loan and lease loss provision to assets | 0.1807% | 1,226 |
| Net operating income to assets | 0.6491% | 4,087 |
| Return on assets (ROA) | 0.6491% | 4,209 |
| Pretax return on assets | 1.0113% | 3,591 |
| Return on Equity (ROE) | 7.6739% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.6739% | 1,326 |
| Net charge-offs to loans | 0.0579% | 2,527 |
| Credit loss provision to net charge-offs | 328.9474% | 968 |
| Earnings coverage of net charge-offs (x) | 21.6975% | 1,809 |
| Efficiency ratio | 72.3739% | 2,519 |
| Assets per employee ($millions) | 5.3602% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 4,097 |
| Loan loss allowance to noncurrent loans | 100.8333% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 1,926 |
| Noncurrent loans to loans | 1.0464% | 2,146 |
| Net loans and leases to total assets | 94.0798% | 9 |
| Net loans and leases to deposits | 121.4848% | 99 |
| Net loans and leases to core deposits | 133.4544% | 253 |
| Total domestic deposits to total assets | 77.4416% | 5,007 |
| Equity capital to assets | 8.3429% | 5,611 |
| Core capital (leverage) ratio | 8.4875% | 5,366 |
| Tier 1 risk-based capital ratio | 9.0929% | 5,915 |
| Total risk-based capital ratio | 10.1877% | 5,923 |
| Memoranda: | ||
| Average total assets | $184,443,250 | 3,124 |
| Average earning assets | $174,518,000 | 3,080 |
| Average equity | $15,602,250 | 3,772 |
| Average total loans | $174,967,750 | 2,366 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9901% | 606 |
| Cost of funding earning assets | 0.7017% | 800 |
| Net interest margin | 4.2884% | 942 |
| Noninterest income to average assets | 0.2720% | 4,836 |
| Noninterest expense to average assets | 3.1597% | 1,906 |
| Loan and lease loss provision to assets | 0.1817% | 1,200 |
| Net operating income to assets | 0.6255% | 4,164 |
| Return on assets (ROA) | 0.6255% | 4,294 |
| Pretax return on assets | 0.9890% | 3,624 |
| Return on Equity (ROE) | 7.3591% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.3591% | 1,448 |
| Net charge-offs to loans | 0.0186% | 3,130 |
| Credit loss provision to net charge-offs | 1,031.2500% | 363 |
| Earnings coverage of net charge-offs (x) | 66.4375% | 813 |
| Efficiency ratio | 72.9654% | 2,525 |
| Assets per employee ($millions) | 5.3083% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 4,053 |
| Loan loss allowance to noncurrent loans | 162.9156% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 2,863 |
| Noncurrent loans to loans | 0.6627% | 3,083 |
| Net loans and leases to total assets | 94.2456% | 8 |
| Net loans and leases to deposits | 116.3256% | 142 |
| Net loans and leases to core deposits | 128.6681% | 322 |
| Total domestic deposits to total assets | 81.0188% | 4,269 |
| Equity capital to assets | 8.4887% | 5,602 |
| Core capital (leverage) ratio | 8.5164% | 5,352 |
| Tier 1 risk-based capital ratio | 9.2450% | 5,981 |
| Total risk-based capital ratio | 10.3669% | 5,988 |
| Memoranda: | ||
| Average total assets | $181,602,330 | 3,176 |
| Average earning assets | $171,859,330 | 3,121 |
| Average equity | $15,436,670 | 3,808 |
| Average total loans | $172,131,000 | 2,391 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 598 |
| Cost of funding earning assets | 0.7072% | 783 |
| Net interest margin | 4.2785% | 958 |
| Noninterest income to average assets | 0.2028% | 5,286 |
| Noninterest expense to average assets | 3.1285% | 2,020 |
| Loan and lease loss provision to assets | 0.2005% | 979 |
| Net operating income to assets | 0.5860% | 4,241 |
| Return on assets (ROA) | 0.5860% | 4,358 |
| Pretax return on assets | 0.9181% | 3,776 |
| Return on Equity (ROE) | 6.8896% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.8896% | 1,938 |
| Net charge-offs to loans | 0.0377% | 2,234 |
| Credit loss provision to net charge-offs | 562.5000% | 554 |
| Earnings coverage of net charge-offs (x) | 31.3750% | 1,157 |
| Efficiency ratio | 73.6621% | 2,534 |
| Assets per employee ($millions) | 5.3559% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 4,249 |
| Loan loss allowance to noncurrent loans | 174.5247% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 3,095 |
| Noncurrent loans to loans | 0.6114% | 3,342 |
| Net loans and leases to total assets | 93.4838% | 14 |
| Net loans and leases to deposits | 114.4969% | 143 |
| Net loans and leases to core deposits | 126.2695% | 332 |
| Total domestic deposits to total assets | 81.6474% | 4,318 |
| Equity capital to assets | 8.4591% | 5,592 |
| Core capital (leverage) ratio | 8.6507% | 5,233 |
| Tier 1 risk-based capital ratio | 9.2017% | 6,045 |
| Total risk-based capital ratio | 10.2999% | 6,047 |
| Memoranda: | ||
| Average total assets | $179,509,000 | 3,208 |
| Average earning assets | $169,686,000 | 3,157 |
| Average equity | $15,269,500 | 3,838 |
| Average total loans | $169,692,000 | 2,407 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0729% | 543 |
| Cost of funding earning assets | 0.7702% | 579 |
| Net interest margin | 4.3027% | 960 |
| Noninterest income to average assets | 0.1722% | 5,552 |
| Noninterest expense to average assets | 3.2190% | 1,919 |
| Loan and lease loss provision to assets | 0.1643% | 1,402 |
| Net operating income to assets | 0.6404% | 4,082 |
| Return on assets (ROA) | 0.6404% | 4,171 |
| Pretax return on assets | 0.8356% | 4,089 |
| Return on Equity (ROE) | 7.7956% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.7956% | 982 |
| Net charge-offs to loans | 0.1792% | 1,601 |
| Credit loss provision to net charge-offs | 97.8417% | 2,600 |
| Earnings coverage of net charge-offs (x) | 5.9532% | 3,302 |
| Efficiency ratio | 76.2996% | 2,223 |
| Assets per employee ($millions) | 5.0548% | 2,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 4,294 |
| Loan loss allowance to noncurrent loans | 164.3657% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 2,995 |
| Noncurrent loans to loans | 0.6407% | 3,269 |
| Net loans and leases to total assets | 93.5756% | 10 |
| Net loans and leases to deposits | 116.6541% | 135 |
| Net loans and leases to core deposits | 129.0653% | 281 |
| Total domestic deposits to total assets | 80.2163% | 4,698 |
| Equity capital to assets | 8.5548% | 5,514 |
| Core capital (leverage) ratio | 8.7025% | 5,214 |
| Tier 1 risk-based capital ratio | 9.1173% | 6,097 |
| Total risk-based capital ratio | 10.1798% | 6,100 |
| Memoranda: | ||
| Average total assets | $165,518,600 | 3,369 |
| Average earning assets | $155,670,000 | 3,321 |
| Average equity | $13,597,400 | 4,034 |
| Average total loans | $155,133,200 | 2,524 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 500 |
| Cost of funding earning assets | 0.7796% | 561 |
| Net interest margin | 4.3392% | 888 |
| Noninterest income to average assets | 0.1713% | 5,621 |
| Noninterest expense to average assets | 3.2950% | 1,702 |
| Loan and lease loss provision to assets | 0.1697% | 1,247 |
| Net operating income to assets | 0.6024% | 4,374 |
| Return on assets (ROA) | 0.6024% | 4,480 |
| Pretax return on assets | 0.7852% | 4,382 |
| Return on Equity (ROE) | 7.4168% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.4168% | 1,493 |
| Net charge-offs to loans | -0.0026% | 4,735 |
| Credit loss provision to net charge-offs | -6,900.0000% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5313% | 2,015 |
| Assets per employee ($millions) | 5.0516% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 3,344 |
| Loan loss allowance to noncurrent loans | 142.9191% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 2,374 |
| Noncurrent loans to loans | 0.8770% | 2,787 |
| Net loans and leases to total assets | 93.4746% | 12 |
| Net loans and leases to deposits | 114.8763% | 162 |
| Net loans and leases to core deposits | 127.3426% | 318 |
| Total domestic deposits to total assets | 81.3697% | 4,371 |
| Equity capital to assets | 8.4738% | 5,719 |
| Core capital (leverage) ratio | 8.4856% | 5,561 |
| Tier 1 risk-based capital ratio | 9.0311% | 6,187 |
| Total risk-based capital ratio | 10.2812% | 6,180 |
| Memoranda: | ||
| Average total assets | $162,668,750 | 3,434 |
| Average earning assets | $152,897,250 | 3,383 |
| Average equity | $13,213,000 | 4,138 |
| Average total loans | $152,088,000 | 2,581 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 514 |
| Cost of funding earning assets | 0.7737% | 569 |
| Net interest margin | 4.3190% | 885 |
| Noninterest income to average assets | 0.1798% | 5,619 |
| Noninterest expense to average assets | 3.3634% | 1,542 |
| Loan and lease loss provision to assets | 0.1884% | 1,062 |
| Net operating income to assets | 0.6112% | 4,286 |
| Return on assets (ROA) | 0.6112% | 4,406 |
| Pretax return on assets | 0.6831% | 4,712 |
| Return on Equity (ROE) | 7.5844% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.5844% | 1,436 |
| Net charge-offs to loans | -0.0040% | 4,693 |
| Credit loss provision to net charge-offs | -5,066.6667% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4204% | 1,847 |
| Assets per employee ($millions) | 4.9968% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,504 |
| Loan loss allowance to noncurrent loans | 116.4044% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 2,173 |
| Noncurrent loans to loans | 1.0742% | 2,495 |
| Net loans and leases to total assets | 92.0968% | 29 |
| Net loans and leases to deposits | 108.8506% | 288 |
| Net loans and leases to core deposits | 120.8762% | 446 |
| Total domestic deposits to total assets | 84.6085% | 3,292 |
| Equity capital to assets | 8.1245% | 5,926 |
| Core capital (leverage) ratio | 8.2190% | 5,772 |
| Tier 1 risk-based capital ratio | 8.7860% | 6,267 |
| Total risk-based capital ratio | 10.0359% | 6,265 |
| Memoranda: | ||
| Average total assets | $161,324,330 | 3,469 |
| Average earning assets | $151,470,670 | 3,427 |
| Average equity | $13,000,330 | 4,213 |
| Average total loans | $150,183,330 | 2,615 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1159% | 470 |
| Cost of funding earning assets | 0.7617% | 613 |
| Net interest margin | 4.3543% | 793 |
| Noninterest income to average assets | 0.1580% | 5,795 |
| Noninterest expense to average assets | 3.5252% | 1,257 |
| Loan and lease loss provision to assets | 0.1153% | 1,790 |
| Net operating income to assets | 0.7497% | 3,537 |
| Return on assets (ROA) | 0.7497% | 3,675 |
| Pretax return on assets | 0.6168% | 4,868 |
| Return on Equity (ROE) | 9.3423% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.3423% | 1,088 |
| Net charge-offs to loans | -0.0054% | 4,516 |
| Credit loss provision to net charge-offs | -2,300.0000% | 5,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8033% | 1,521 |
| Assets per employee ($millions) | 5.2111% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 3,818 |
| Loan loss allowance to noncurrent loans | 103.6530% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0845% | 2,449 |
| Noncurrent loans to loans | 1.1804% | 2,412 |
| Net loans and leases to total assets | 90.7517% | 44 |
| Net loans and leases to deposits | 105.6476% | 326 |
| Net loans and leases to core deposits | 112.9218% | 613 |
| Total domestic deposits to total assets | 85.9003% | 2,996 |
| Equity capital to assets | 8.0121% | 6,025 |
| Core capital (leverage) ratio | 8.1215% | 5,870 |
| Tier 1 risk-based capital ratio | 8.9566% | 6,322 |
| Total risk-based capital ratio | 10.2067% | 6,314 |
| Memoranda: | ||
| Average total assets | $159,538,500 | 3,513 |
| Average earning assets | $150,197,000 | 3,464 |
| Average equity | $12,802,000 | 4,271 |
| Average total loans | $148,381,500 | 2,644 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1799% | 543 |
| Cost of funding earning assets | 0.7559% | 822 |
| Net interest margin | 4.4241% | 853 |
| Noninterest income to average assets | 0.3335% | 4,722 |
| Noninterest expense to average assets | 3.6152% | 1,273 |
| Loan and lease loss provision to assets | 0.1541% | 1,706 |
| Net operating income to assets | 0.4035% | 5,210 |
| Return on assets (ROA) | 0.4035% | 5,273 |
| Pretax return on assets | 0.7024% | 4,621 |
| Return on Equity (ROE) | 4.9008% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.9008% | 2,683 |
| Net charge-offs to loans | 0.0886% | 3,224 |
| Credit loss provision to net charge-offs | 187.8049% | 1,305 |
| Earnings coverage of net charge-offs (x) | 10.4390% | 2,608 |
| Efficiency ratio | 80.8473% | 1,796 |
| Assets per employee ($millions) | 4.7738% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 4,052 |
| Loan loss allowance to noncurrent loans | 98.2222% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 2,129 |
| Noncurrent loans to loans | 1.2134% | 2,422 |
| Net loans and leases to total assets | 93.0440% | 16 |
| Net loans and leases to deposits | 112.2113% | 189 |
| Net loans and leases to core deposits | 119.9653% | 410 |
| Total domestic deposits to total assets | 82.9186% | 4,108 |
| Equity capital to assets | 8.0370% | 6,049 |
| Core capital (leverage) ratio | 8.0596% | 5,959 |
| Tier 1 risk-based capital ratio | 8.7961% | 6,419 |
| Total risk-based capital ratio | 10.0279% | 6,421 |
| Memoranda: | ||
| Average total assets | $149,921,200 | 3,636 |
| Average earning assets | $140,233,200 | 3,604 |
| Average equity | $12,345,000 | 4,291 |
| Average total loans | $138,824,000 | 2,726 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1729% | 550 |
| Cost of funding earning assets | 0.7437% | 923 |
| Net interest margin | 4.4292% | 849 |
| Noninterest income to average assets | 0.3819% | 4,383 |
| Noninterest expense to average assets | 3.5905% | 1,312 |
| Loan and lease loss provision to assets | 0.1054% | 2,278 |
| Net operating income to assets | 0.4765% | 4,966 |
| Return on assets (ROA) | 0.4765% | 5,047 |
| Pretax return on assets | 0.8224% | 4,275 |
| Return on Equity (ROE) | 5.7502% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.7502% | 2,571 |
| Net charge-offs to loans | 0.0225% | 4,073 |
| Credit loss provision to net charge-offs | 508.6957% | 560 |
| Earnings coverage of net charge-offs (x) | 44.7767% | 1,049 |
| Efficiency ratio | 79.4657% | 1,993 |
| Assets per employee ($millions) | 4.7952% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 4,090 |
| Loan loss allowance to noncurrent loans | 89.7646% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.2734% | 2,415 |
| Noncurrent loans to loans | 1.3674% | 2,369 |
| Net loans and leases to total assets | 91.9868% | 29 |
| Net loans and leases to deposits | 110.1951% | 215 |
| Net loans and leases to core deposits | 118.0302% | 434 |
| Total domestic deposits to total assets | 83.4763% | 3,960 |
| Equity capital to assets | 8.1560% | 6,039 |
| Core capital (leverage) ratio | 8.2115% | 5,916 |
| Tier 1 risk-based capital ratio | 8.9487% | 6,484 |
| Total risk-based capital ratio | 10.1991% | 6,480 |
| Memoranda: | ||
| Average total assets | $148,018,000 | 3,690 |
| Average earning assets | $138,230,000 | 3,656 |
| Average equity | $12,266,000 | 4,330 |
| Average total loans | $136,444,000 | 2,768 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 494 |
| Cost of funding earning assets | 0.7350% | 992 |
| Net interest margin | 4.4803% | 734 |
| Noninterest income to average assets | 0.4022% | 4,225 |
| Noninterest expense to average assets | 3.6414% | 1,223 |
| Loan and lease loss provision to assets | 0.1258% | 1,963 |
| Net operating income to assets | 0.4856% | 4,864 |
| Return on assets (ROA) | 0.4856% | 4,935 |
| Pretax return on assets | 0.8207% | 4,193 |
| Return on Equity (ROE) | 5.8278% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.8278% | 2,432 |
| Net charge-offs to loans | 0.0372% | 3,476 |
| Credit loss provision to net charge-offs | 368.0000% | 739 |
| Earnings coverage of net charge-offs (x) | 27.6800% | 1,332 |
| Efficiency ratio | 79.3679% | 2,113 |
| Assets per employee ($millions) | 4.8831% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 4,158 |
| Loan loss allowance to noncurrent loans | 351.7312% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 5,082 |
| Noncurrent loans to loans | 0.3555% | 4,933 |
| Net loans and leases to total assets | 90.1074% | 48 |
| Net loans and leases to deposits | 107.5073% | 263 |
| Net loans and leases to core deposits | 113.0992% | 566 |
| Total domestic deposits to total assets | 83.8151% | 3,990 |
| Equity capital to assets | 8.1611% | 6,057 |
| Core capital (leverage) ratio | 8.1769% | 5,954 |
| Tier 1 risk-based capital ratio | 9.0135% | 6,536 |
| Total risk-based capital ratio | 10.2639% | 6,528 |
| Memoranda: | ||
| Average total assets | $146,208,670 | 3,741 |
| Average earning assets | $136,599,000 | 3,700 |
| Average equity | $12,183,000 | 4,364 |
| Average total loans | $134,290,670 | 2,803 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 522 |
| Cost of funding earning assets | 0.7414% | 1,003 |
| Net interest margin | 4.4187% | 773 |
| Noninterest income to average assets | 0.6378% | 2,533 |
| Noninterest expense to average assets | 3.6985% | 1,135 |
| Loan and lease loss provision to assets | 0.0975% | 2,296 |
| Net operating income to assets | 0.5542% | 4,440 |
| Return on assets (ROA) | 0.5542% | 4,512 |
| Pretax return on assets | 0.9748% | 3,426 |
| Return on Equity (ROE) | 6.5799% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.5799% | 2,236 |
| Net charge-offs to loans | -0.0030% | 4,741 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5248% | 2,549 |
| Assets per employee ($millions) | 4.8551% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,278 |
| Loan loss allowance to noncurrent loans | 344.0162% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 5,130 |
| Noncurrent loans to loans | 0.3694% | 5,019 |
| Net loans and leases to total assets | 90.4705% | 39 |
| Net loans and leases to deposits | 103.9531% | 293 |
| Net loans and leases to core deposits | 110.3950% | 574 |
| Total domestic deposits to total assets | 87.0301% | 2,792 |
| Equity capital to assets | 8.3726% | 5,764 |
| Core capital (leverage) ratio | 8.3426% | 5,807 |
| Tier 1 risk-based capital ratio | 9.1679% | 6,586 |
| Total risk-based capital ratio | 10.4187% | 6,576 |
| Memoranda: | ||
| Average total assets | $143,625,000 | 3,814 |
| Average earning assets | $134,338,000 | 3,760 |
| Average equity | $12,097,500 | 4,403 |
| Average total loans | $132,372,000 | 2,843 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 461 |
| Cost of funding earning assets | 0.8213% | 1,087 |
| Net interest margin | 4.5524% | 664 |
| Noninterest income to average assets | 0.6967% | 2,560 |
| Noninterest expense to average assets | 3.8211% | 1,104 |
| Loan and lease loss provision to assets | 0.2571% | 1,395 |
| Net operating income to assets | 0.5033% | 4,721 |
| Return on assets (ROA) | 0.5245% | 4,743 |
| Pretax return on assets | 0.8740% | 3,875 |
| Return on Equity (ROE) | 6.0797% | 4,044 |
| Retained earnings to average equity (ytd only) | 6.0797% | 1,922 |
| Net charge-offs to loans | 0.0213% | 5,009 |
| Credit loss provision to net charge-offs | 1,338.4615% | 190 |
| Earnings coverage of net charge-offs (x) | 57.1538% | 715 |
| Efficiency ratio | 77.6810% | 2,516 |
| Assets per employee ($millions) | 4.7199% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 4,325 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 5,207 |
| Noncurrent loans to loans | 0.3794% | 5,056 |
| Net loans and leases to total assets | 91.5380% | 23 |
| Net loans and leases to deposits | 107.0455% | 232 |
| Net loans and leases to core deposits | 113.1248% | 493 |
| Total domestic deposits to total assets | 85.5131% | 3,501 |
| Equity capital to assets | 8.4748% | 5,603 |
| Core capital (leverage) ratio | 8.2484% | 5,924 |
| Tier 1 risk-based capital ratio | 9.0339% | 6,660 |
| Total risk-based capital ratio | 10.2843% | 6,644 |
| Memoranda: | ||
| Average total assets | $135,354,200 | 3,971 |
| Average earning assets | $125,536,800 | 3,934 |
| Average equity | $11,678,200 | 4,513 |
| Average total loans | $122,035,600 | 2,999 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3611% | 478 |
| Cost of funding earning assets | 0.8349% | 1,123 |
| Net interest margin | 4.5262% | 705 |
| Noninterest income to average assets | 0.6836% | 2,717 |
| Noninterest expense to average assets | 3.7260% | 1,209 |
| Loan and lease loss provision to assets | 0.3020% | 1,121 |
| Net operating income to assets | 0.5524% | 4,577 |
| Return on assets (ROA) | 0.5820% | 4,549 |
| Pretax return on assets | 0.8819% | 3,959 |
| Return on Equity (ROE) | 6.7138% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.7138% | 2,023 |
| Net charge-offs to loans | -0.0045% | 5,768 |
| Credit loss provision to net charge-offs | -7,575.0000% | 6,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5875% | 2,634 |
| Assets per employee ($millions) | 4.7083% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 4,588 |
| Loan loss allowance to noncurrent loans | 241.5565% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 4,983 |
| Noncurrent loans to loans | 0.5221% | 4,891 |
| Net loans and leases to total assets | 91.1858% | 24 |
| Net loans and leases to deposits | 104.1608% | 289 |
| Net loans and leases to core deposits | 110.1241% | 575 |
| Total domestic deposits to total assets | 87.5433% | 2,387 |
| Equity capital to assets | 8.4057% | 5,828 |
| Core capital (leverage) ratio | 8.0611% | 6,182 |
| Tier 1 risk-based capital ratio | 8.7458% | 6,736 |
| Total risk-based capital ratio | 9.9964% | 6,739 |
| Memoranda: | ||
| Average total assets | $133,793,500 | 4,036 |
| Average earning assets | $123,604,000 | 4,013 |
| Average equity | $11,597,750 | 4,577 |
| Average total loans | $119,725,750 | 3,064 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 499 |
| Cost of funding earning assets | 0.8572% | 1,106 |
| Net interest margin | 4.4726% | 749 |
| Noninterest income to average assets | 0.8530% | 1,990 |
| Noninterest expense to average assets | 3.7591% | 1,157 |
| Loan and lease loss provision to assets | 0.3275% | 1,055 |
| Net operating income to assets | 0.5849% | 4,374 |
| Return on assets (ROA) | 0.5849% | 4,551 |
| Pretax return on assets | 0.8910% | 3,946 |
| Return on Equity (ROE) | 6.6748% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.6748% | 2,055 |
| Net charge-offs to loans | -0.0069% | 5,698 |
| Credit loss provision to net charge-offs | -5,375.0000% | 6,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5202% | 2,856 |
| Assets per employee ($millions) | 4.5237% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 4,638 |
| Loan loss allowance to noncurrent loans | 290.4851% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 5,296 |
| Noncurrent loans to loans | 0.4377% | 5,169 |
| Net loans and leases to total assets | 89.0901% | 61 |
| Net loans and leases to deposits | 99.4988% | 453 |
| Net loans and leases to core deposits | 105.1640% | 786 |
| Total domestic deposits to total assets | 89.5388% | 1,305 |
| Equity capital to assets | 8.5579% | 5,708 |
| Core capital (leverage) ratio | 8.2483% | 5,959 |
| Tier 1 risk-based capital ratio | 8.7700% | 6,770 |
| Total risk-based capital ratio | 10.0201% | 6,775 |
| Memoranda: | ||
| Average total assets | $131,308,330 | 4,111 |
| Average earning assets | $121,092,670 | 4,097 |
| Average equity | $11,506,000 | 4,624 |
| Average total loans | $116,153,000 | 3,143 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 458 |
| Cost of funding earning assets | 0.8943% | 1,013 |
| Net interest margin | 4.4579% | 730 |
| Noninterest income to average assets | 1.1339% | 1,166 |
| Noninterest expense to average assets | 3.6683% | 1,299 |
| Loan and lease loss provision to assets | 0.3966% | 783 |
| Net operating income to assets | 0.7776% | 3,295 |
| Return on assets (ROA) | 0.7776% | 3,427 |
| Pretax return on assets | 1.1773% | 2,656 |
| Return on Equity (ROE) | 8.7670% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.7670% | 1,461 |
| Net charge-offs to loans | -0.0106% | 5,465 |
| Credit loss provision to net charge-offs | -4,266.6667% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9764% | 3,979 |
| Assets per employee ($millions) | 4.5110% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 4,835 |
| Loan loss allowance to noncurrent loans | 272.0370% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4128% | 5,365 |
| Noncurrent loans to loans | 0.4679% | 5,252 |
| Net loans and leases to total assets | 87.0913% | 95 |
| Net loans and leases to deposits | 96.0698% | 538 |
| Net loans and leases to core deposits | 101.2081% | 877 |
| Total domestic deposits to total assets | 90.6543% | 692 |
| Equity capital to assets | 8.8626% | 5,650 |
| Core capital (leverage) ratio | 8.3987% | 5,710 |
| Tier 1 risk-based capital ratio | 9.1056% | 6,802 |
| Total risk-based capital ratio | 10.3527% | 6,800 |
| Memoranda: | ||
| Average total assets | $129,107,000 | 4,201 |
| Average earning assets | $118,979,500 | 4,176 |
| Average equity | $11,452,000 | 4,687 |
| Average total loans | $112,998,500 | 3,232 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2649% | 993 |
| Cost of funding earning assets | 0.9931% | 1,396 |
| Net interest margin | 4.2718% | 1,469 |
| Noninterest income to average assets | 0.3123% | 5,222 |
| Noninterest expense to average assets | 3.4511% | 1,944 |
| Loan and lease loss provision to assets | 0.4049% | 1,602 |
| Net operating income to assets | 1.3159% | 1,260 |
| Return on assets (ROA) | 1.3159% | 1,397 |
| Pretax return on assets | 0.4083% | 5,555 |
| Return on Equity (ROE) | 15.0215% | 806 |
| Retained earnings to average equity (ytd only) | 15.0215% | 158 |
| Net charge-offs to loans | 0.2166% | 3,660 |
| Credit loss provision to net charge-offs | 222.6415% | 1,128 |
| Earnings coverage of net charge-offs (x) | 4.4717% | 3,355 |
| Efficiency ratio | 80.9294% | 2,016 |
| Assets per employee ($millions) | 4.7183% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 5,072 |
| Loan loss allowance to noncurrent loans | 79.6429% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 3,444 |
| Noncurrent loans to loans | 1.5190% | 3,328 |
| Net loans and leases to total assets | 85.7632% | 137 |
| Net loans and leases to deposits | 96.1948% | 604 |
| Net loans and leases to core deposits | 101.2529% | 941 |
| Total domestic deposits to total assets | 89.1558% | 1,466 |
| Equity capital to assets | 8.8779% | 5,654 |
| Core capital (leverage) ratio | 8.4952% | 5,618 |
| Tier 1 risk-based capital ratio | 9.1382% | 6,841 |
| Total risk-based capital ratio | 10.3158% | 6,844 |
| Memoranda: | ||
| Average total assets | $116,570,800 | 4,427 |
| Average earning assets | $107,846,000 | 4,397 |
| Average equity | $10,212,000 | 4,933 |
| Average total loans | $97,878,400 | 3,576 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3165% | 979 |
| Cost of funding earning assets | 1.0191% | 1,455 |
| Net interest margin | 4.2974% | 1,472 |
| Noninterest income to average assets | 0.3115% | 5,296 |
| Noninterest expense to average assets | 3.4250% | 1,943 |
| Loan and lease loss provision to assets | 0.3770% | 1,710 |
| Net operating income to assets | 0.4941% | 4,864 |
| Return on assets (ROA) | 0.4941% | 5,134 |
| Pretax return on assets | 0.4941% | 5,484 |
| Return on Equity (ROE) | 5.6619% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.6619% | 2,917 |
| Net charge-offs to loans | 0.0831% | 4,561 |
| Credit loss provision to net charge-offs | 545.7627% | 488 |
| Earnings coverage of net charge-offs (x) | 12.6110% | 1,989 |
| Efficiency ratio | 79.7220% | 2,136 |
| Assets per employee ($millions) | 4.6871% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 4,944 |
| Loan loss allowance to noncurrent loans | 269.2771% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 5,667 |
| Noncurrent loans to loans | 0.4720% | 5,509 |
| Net loans and leases to total assets | 85.4822% | 165 |
| Net loans and leases to deposits | 95.8820% | 666 |
| Net loans and leases to core deposits | 99.6070% | 1,151 |
| Total domestic deposits to total assets | 89.1535% | 1,340 |
| Equity capital to assets | 8.3995% | 6,354 |
| Core capital (leverage) ratio | 8.4200% | 5,877 |
| Tier 1 risk-based capital ratio | 9.3527% | 6,913 |
| Total risk-based capital ratio | 10.5945% | 6,910 |
| Memoranda: | ||
| Average total assets | $113,864,750 | 4,545 |
| Average earning assets | $105,580,750 | 4,498 |
| Average equity | $9,937,500 | 5,038 |
| Average total loans | $94,699,000 | 3,688 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 1,122 |
| Cost of funding earning assets | 1.0237% | 1,621 |
| Net interest margin | 4.2365% | 1,648 |
| Noninterest income to average assets | 0.3777% | 4,816 |
| Noninterest expense to average assets | 3.4785% | 1,835 |
| Loan and lease loss provision to assets | 0.3579% | 1,848 |
| Net operating income to assets | 0.4640% | 4,984 |
| Return on assets (ROA) | 0.4640% | 5,225 |
| Pretax return on assets | 0.4640% | 5,532 |
| Return on Equity (ROE) | 5.2450% | 4,683 |
| Retained earnings to average equity (ytd only) | 5.2450% | 3,127 |
| Net charge-offs to loans | 0.1317% | 3,873 |
| Credit loss provision to net charge-offs | 331.6667% | 895 |
| Earnings coverage of net charge-offs (x) | 7.6167% | 2,449 |
| Efficiency ratio | 80.8867% | 2,050 |
| Assets per employee ($millions) | 4.6232% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 5,191 |
| Loan loss allowance to noncurrent loans | 402.9801% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.2613% | 6,122 |
| Noncurrent loans to loans | 0.3062% | 5,944 |
| Net loans and leases to total assets | 84.2904% | 199 |
| Net loans and leases to deposits | 94.0167% | 771 |
| Net loans and leases to core deposits | 100.2222% | 1,086 |
| Total domestic deposits to total assets | 89.6547% | 1,126 |
| Equity capital to assets | 8.6123% | 6,114 |
| Core capital (leverage) ratio | 8.7764% | 5,257 |
| Tier 1 risk-based capital ratio | 9.7939% | 6,872 |
| Total risk-based capital ratio | 10.9925% | 6,877 |
| Memoranda: | ||
| Average total assets | $111,198,330 | 4,637 |
| Average earning assets | $102,963,000 | 4,606 |
| Average equity | $9,838,000 | 5,064 |
| Average total loans | $91,094,330 | 3,778 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2689% | 1,174 |
| Cost of funding earning assets | 1.0490% | 1,680 |
| Net interest margin | 4.2199% | 1,703 |
| Noninterest income to average assets | 0.5174% | 3,796 |
| Noninterest expense to average assets | 3.4750% | 1,817 |
| Loan and lease loss provision to assets | 0.3266% | 1,916 |
| Net operating income to assets | 0.6128% | 4,292 |
| Return on assets (ROA) | 0.6128% | 4,503 |
| Pretax return on assets | 0.6128% | 5,071 |
| Return on Equity (ROE) | 6.8303% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.8303% | 2,512 |
| Net charge-offs to loans | -0.0046% | 5,783 |
| Credit loss provision to net charge-offs | -8,900.0000% | 6,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7199% | 2,397 |
| Assets per employee ($millions) | 5.0421% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,968 |
| Loan loss allowance to noncurrent loans | 321.7631% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 6,063 |
| Noncurrent loans to loans | 0.4077% | 5,855 |
| Net loans and leases to total assets | 79.2070% | 476 |
| Net loans and leases to deposits | 87.3033% | 1,249 |
| Net loans and leases to core deposits | 94.7381% | 1,395 |
| Total domestic deposits to total assets | 90.7263% | 676 |
| Equity capital to assets | 8.9338% | 5,592 |
| Core capital (leverage) ratio | 9.0708% | 4,727 |
| Tier 1 risk-based capital ratio | 10.4172% | 6,763 |
| Total risk-based capital ratio | 11.6508% | 6,762 |
| Memoranda: | ||
| Average total assets | $109,008,000 | 4,730 |
| Average earning assets | $100,666,000 | 4,684 |
| Average equity | $9,780,000 | 5,094 |
| Average total loans | $87,322,000 | 3,907 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1192% | 2,376 |
| Cost of funding earning assets | 1.1920% | 2,081 |
| Net interest margin | 3.9272% | 3,218 |
| Noninterest income to average assets | 0.7588% | 2,287 |
| Noninterest expense to average assets | 3.6576% | 1,625 |
| Loan and lease loss provision to assets | 0.2904% | 3,341 |
| Net operating income to assets | 0.7567% | 3,233 |
| Return on assets (ROA) | 0.7567% | 3,394 |
| Pretax return on assets | 0.5485% | 4,842 |
| Return on Equity (ROE) | 8.4724% | 2,684 |
| Retained earnings to average equity (ytd only) | 8.4724% | 929 |
| Net charge-offs to loans | 0.1701% | 4,797 |
| Credit loss provision to net charge-offs | 208.2090% | 1,185 |
| Earnings coverage of net charge-offs (x) | 6.0149% | 2,619 |
| Efficiency ratio | 81.3426% | 2,111 |
| Assets per employee ($millions) | 4.4620% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 5,119 |
| Loan loss allowance to noncurrent loans | 342.2222% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.2941% | 6,234 |
| Noncurrent loans to loans | 0.3679% | 5,986 |
| Net loans and leases to total assets | 78.9399% | 617 |
| Net loans and leases to deposits | 87.0814% | 1,511 |
| Net loans and leases to core deposits | 94.9011% | 1,600 |
| Total domestic deposits to total assets | 90.6508% | 644 |
| Equity capital to assets | 9.0112% | 5,541 |
| Core capital (leverage) ratio | 9.3864% | 4,197 |
| Tier 1 risk-based capital ratio | 10.5499% | 6,663 |
| Total risk-based capital ratio | 11.7219% | 6,677 |
| Memoranda: | ||
| Average total assets | $96,075,200 | 5,009 |
| Average earning assets | $91,439,200 | 4,872 |
| Average equity | $8,580,800 | 5,383 |
| Average total loans | $78,773,000 | 4,177 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 2,777 |
| Cost of funding earning assets | 1.2153% | 2,222 |
| Net interest margin | 3.8498% | 3,615 |
| Noninterest income to average assets | 0.8172% | 1,973 |
| Noninterest expense to average assets | 3.8247% | 1,272 |
| Loan and lease loss provision to assets | 0.2629% | 3,404 |
| Net operating income to assets | 0.4272% | 4,868 |
| Return on assets (ROA) | 0.4272% | 5,063 |
| Pretax return on assets | 0.4272% | 5,382 |
| Return on Equity (ROE) | 4.7953% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.7953% | 3,318 |
| Net charge-offs to loans | 0.1523% | 4,550 |
| Credit loss provision to net charge-offs | 209.0909% | 1,390 |
| Earnings coverage of net charge-offs (x) | 5.4886% | 2,768 |
| Efficiency ratio | 84.7152% | 1,664 |
| Assets per employee ($millions) | 4.5317% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,394 |
| Loan loss allowance to noncurrent loans | 283.4711% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 6,167 |
| Noncurrent loans to loans | 0.4303% | 5,983 |
| Net loans and leases to total assets | 83.5754% | 251 |
| Net loans and leases to deposits | 92.6532% | 952 |
| Net loans and leases to core deposits | 98.7625% | 1,365 |
| Total domestic deposits to total assets | 90.2024% | 765 |
| Equity capital to assets | 9.3101% | 5,367 |
| Core capital (leverage) ratio | 9.4681% | 4,203 |
| Tier 1 risk-based capital ratio | 10.5590% | 6,750 |
| Total risk-based capital ratio | 11.7306% | 6,771 |
| Memoranda: | ||
| Average total assets | $93,321,750 | 5,126 |
| Average earning assets | $89,629,500 | 4,963 |
| Average equity | $8,313,500 | 5,509 |
| Average total loans | $77,062,750 | 4,275 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 3,201 |
| Cost of funding earning assets | 1.2395% | 2,326 |
| Net interest margin | 3.7504% | 4,031 |
| Noninterest income to average assets | 1.1294% | 1,012 |
| Noninterest expense to average assets | 3.9168% | 1,161 |
| Loan and lease loss provision to assets | 0.2390% | 3,527 |
| Net operating income to assets | 0.5702% | 4,210 |
| Return on assets (ROA) | 0.5702% | 4,337 |
| Pretax return on assets | 0.5702% | 4,844 |
| Return on Equity (ROE) | 6.5076% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.5076% | 2,138 |
| Net charge-offs to loans | 0.2358% | 3,709 |
| Credit loss provision to net charge-offs | 123.8636% | 2,458 |
| Earnings coverage of net charge-offs (x) | 4.1932% | 2,933 |
| Efficiency ratio | 82.8770% | 1,973 |
| Assets per employee ($millions) | 4.4419% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 5,430 |
| Loan loss allowance to noncurrent loans | 252.3810% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 6,166 |
| Noncurrent loans to loans | 0.4863% | 5,934 |
| Net loans and leases to total assets | 78.5737% | 697 |
| Net loans and leases to deposits | 86.0169% | 1,792 |
| Net loans and leases to core deposits | 91.0550% | 2,247 |
| Total domestic deposits to total assets | 91.3468% | 381 |
| Equity capital to assets | 8.2643% | 6,457 |
| Core capital (leverage) ratio | 8.5596% | 5,460 |
| Tier 1 risk-based capital ratio | 9.7852% | 7,035 |
| Total risk-based capital ratio | 10.9405% | 7,069 |
| Memoranda: | ||
| Average total assets | $91,196,330 | 5,230 |
| Average earning assets | $87,456,670 | 5,080 |
| Average equity | $7,990,670 | 5,610 |
| Average total loans | $74,633,000 | 4,404 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0426% | 2,896 |
| Cost of funding earning assets | 1.2773% | 2,322 |
| Net interest margin | 3.7654% | 3,779 |
| Noninterest income to average assets | 1.3419% | 718 |
| Noninterest expense to average assets | 3.9530% | 1,096 |
| Loan and lease loss provision to assets | 0.2274% | 3,388 |
| Net operating income to assets | 0.7688% | 3,177 |
| Return on assets (ROA) | 0.7688% | 3,249 |
| Pretax return on assets | 0.7688% | 4,023 |
| Return on Equity (ROE) | 8.5053% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.5053% | 1,552 |
| Net charge-offs to loans | 0.4817% | 2,266 |
| Credit loss provision to net charge-offs | 56.8182% | 3,604 |
| Earnings coverage of net charge-offs (x) | 2.4886% | 3,091 |
| Efficiency ratio | 79.8713% | 2,560 |
| Assets per employee ($millions) | 4.6039% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 5,532 |
| Loan loss allowance to noncurrent loans | 223.1920% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 6,122 |
| Noncurrent loans to loans | 0.5464% | 5,936 |
| Net loans and leases to total assets | 78.7352% | 648 |
| Net loans and leases to deposits | 86.6577% | 1,628 |
| Net loans and leases to core deposits | 92.0796% | 2,120 |
| Total domestic deposits to total assets | 90.8577% | 697 |
| Equity capital to assets | 8.7003% | 5,658 |
| Core capital (leverage) ratio | 9.1124% | 4,431 |
| Tier 1 risk-based capital ratio | 10.1895% | 6,931 |
| Total risk-based capital ratio | 11.3293% | 6,977 |
| Memoranda: | ||
| Average total assets | $87,934,000 | 5,358 |
| Average earning assets | $84,241,500 | 5,221 |
| Average equity | $7,948,000 | 5,625 |
| Average total loans | $73,081,000 | 4,508 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0697% | 4,237 |
| Cost of funding earning assets | 1.3879% | 3,347 |
| Net interest margin | 3.6818% | 4,434 |
| Noninterest income to average assets | 0.4231% | 4,723 |
| Noninterest expense to average assets | 4.3183% | 794 |
| Loan and lease loss provision to assets | 0.4818% | 3,244 |
| Net operating income to assets | -0.6811% | 6,501 |
| Return on assets (ROA) | -0.6811% | 6,540 |
| Pretax return on assets | -0.8721% | 6,559 |
| Return on Equity (ROE) | -7.0209% | 6,558 |
| Retained earnings to average equity (ytd only) | -7.0209% | 6,459 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9375% | 536 |
| Assets per employee ($millions) | 4.6551% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 5,094 |
| Loan loss allowance to noncurrent loans | 444.2857% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 6,611 |
| Noncurrent loans to loans | 0.2886% | 6,482 |
| Net loans and leases to total assets | 85.7336% | 199 |
| Net loans and leases to deposits | 95.1017% | 939 |
| Net loans and leases to core deposits | 102.0035% | 1,455 |
| Total domestic deposits to total assets | 90.1493% | 1,014 |
| Equity capital to assets | 9.4103% | 4,531 |
| Core capital (leverage) ratio | 9.6788% | 3,459 |
| Tier 1 risk-based capital ratio | 10.6502% | 6,602 |
| Total risk-based capital ratio | 11.8999% | 6,567 |
| Memoranda: | ||
| Average total assets | $73,268,800 | 5,778 |
| Average earning assets | $69,748,000 | 5,679 |
| Average equity | $7,107,400 | 5,996 |
| Average total loans | $60,259,000 | 5,062 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9502% | 5,038 |
| Cost of funding earning assets | 1.3789% | 3,716 |
| Net interest margin | 3.5713% | 5,011 |
| Noninterest income to average assets | 0.2680% | 5,976 |
| Noninterest expense to average assets | 4.5508% | 562 |
| Loan and lease loss provision to assets | 0.4983% | 2,971 |
| Net operating income to assets | -1.3835% | 7,066 |
| Return on assets (ROA) | -1.3835% | 7,089 |
| Pretax return on assets | -1.3835% | 7,007 |
| Return on Equity (ROE) | -14.1373% | 7,078 |
| Retained earnings to average equity (ytd only) | -14.1373% | 7,046 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.1504% | 351 |
| Assets per employee ($millions) | 4.1405% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 5,035 |
| Loan loss allowance to noncurrent loans | 394.3925% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.2720% | 6,696 |
| Noncurrent loans to loans | 0.3262% | 6,540 |
| Net loans and leases to total assets | 82.3082% | 461 |
| Net loans and leases to deposits | 90.2139% | 1,699 |
| Net loans and leases to core deposits | 96.3829% | 2,214 |
| Total domestic deposits to total assets | 91.2367% | 372 |
| Equity capital to assets | 8.3527% | 6,450 |
| Core capital (leverage) ratio | 8.5212% | 5,468 |
| Tier 1 risk-based capital ratio | 9.5566% | 7,241 |
| Total risk-based capital ratio | 10.7865% | 7,246 |
| Memoranda: | ||
| Average total assets | $70,638,250 | 5,929 |
| Average earning assets | $67,200,500 | 5,823 |
| Average equity | $6,913,000 | 6,144 |
| Average total loans | $57,131,250 | 5,268 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 5,904 |
| Cost of funding earning assets | 1.3451% | 4,219 |
| Net interest margin | 3.4215% | 5,555 |
| Noninterest income to average assets | 0.2619% | 6,042 |
| Noninterest expense to average assets | 4.6703% | 486 |
| Loan and lease loss provision to assets | 0.5150% | 2,740 |
| Net operating income to assets | -1.6598% | 7,204 |
| Return on assets (ROA) | -1.6598% | 7,214 |
| Pretax return on assets | -1.6598% | 7,129 |
| Return on Equity (ROE) | -16.0524% | 7,174 |
| Retained earnings to average equity (ytd only) | -16.0524% | 7,137 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4708% | 300 |
| Assets per employee ($millions) | 4.0732% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 5,306 |
| Loan loss allowance to noncurrent loans | 302.0000% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 6,605 |
| Noncurrent loans to loans | 0.4065% | 6,433 |
| Net loans and leases to total assets | 78.4998% | 1,029 |
| Net loans and leases to deposits | 96.1433% | 1,038 |
| Net loans and leases to core deposits | 102.3709% | 1,790 |
| Total domestic deposits to total assets | 81.6488% | 5,128 |
| Equity capital to assets | 8.7531% | 5,810 |
| Core capital (leverage) ratio | 9.7699% | 3,449 |
| Tier 1 risk-based capital ratio | 10.3940% | 6,764 |
| Total risk-based capital ratio | 11.5559% | 6,813 |
| Memoranda: | ||
| Average total assets | $67,961,330 | 6,039 |
| Average earning assets | $64,825,670 | 5,931 |
| Average equity | $7,027,000 | 6,130 |
| Average total loans | $54,310,000 | 5,406 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 5,979 |
| Cost of funding earning assets | 1.3838% | 4,280 |
| Net interest margin | 3.3930% | 5,610 |
| Noninterest income to average assets | 0.1328% | 7,023 |
| Noninterest expense to average assets | 4.7117% | 472 |
| Loan and lease loss provision to assets | 0.5439% | 2,326 |
| Net operating income to assets | -1.8973% | 7,438 |
| Return on assets (ROA) | -1.8973% | 7,440 |
| Pretax return on assets | -1.8973% | 7,383 |
| Return on Equity (ROE) | -16.7750% | 7,364 |
| Retained earnings to average equity (ytd only) | -16.7750% | 7,272 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.3013% | 254 |
| Assets per employee ($millions) | 3.9355% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 5,382 |
| Loan loss allowance to noncurrent loans | 266.4000% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 6,593 |
| Noncurrent loans to loans | 0.4589% | 6,377 |
| Net loans and leases to total assets | 75.9709% | 1,549 |
| Net loans and leases to deposits | 91.3500% | 1,705 |
| Net loans and leases to core deposits | 96.4203% | 2,538 |
| Total domestic deposits to total assets | 83.1646% | 4,539 |
| Equity capital to assets | 9.8717% | 4,030 |
| Core capital (leverage) ratio | 11.8102% | 1,745 |
| Tier 1 risk-based capital ratio | 12.0640% | 5,134 |
| Total risk-based capital ratio | 13.2146% | 5,191 |
| Memoranda: | ||
| Average total assets | $63,247,000 | 6,265 |
| Average earning assets | $60,124,000 | 6,163 |
| Average equity | $7,153,500 | 6,131 |
| Average total loans | $50,712,000 | 5,640 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 7,423 |
| Cost of funding earning assets | 1.9522% | 3,201 |
| Net interest margin | 2.5018% | 7,425 |
| Noninterest income to average assets | 0.2934% | 6,016 |
| Noninterest expense to average assets | 7.0039% | 206 |
| Loan and lease loss provision to assets | 0.8342% | 2,637 |
| Net operating income to assets | -5.1626% | 7,762 |
| Return on assets (ROA) | -5.1626% | 7,755 |
| Pretax return on assets | -5.1626% | 7,727 |
| Return on Equity (ROE) | -33.6242% | 7,470 |
| Retained earnings to average equity (ytd only) | -33.9237% | 7,462 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 261.7840% | 76 |
| Assets per employee ($millions) | 3.0919% | 6,006 |
| Cash dividends to net income (ytd only)* | -0.8906% | 7,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 5,139 |
| Loan loss allowance to noncurrent loans | 232.0000% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 6,332 |
| Noncurrent loans to loans | 0.5326% | 6,187 |
| Net loans and leases to total assets | 83.3007% | 511 |
| Net loans and leases to deposits | 96.3746% | 1,286 |
| Net loans and leases to core deposits | 107.9091% | 3,110 |
| Total domestic deposits to total assets | 86.4343% | 2,802 |
| Equity capital to assets | 13.1417% | 1,452 |
| Core capital (leverage) ratio | 13.1478% | 1,200 |
| Tier 1 risk-based capital ratio | 15.5305% | 2,704 |
| Total risk-based capital ratio | 16.7638% | 2,663 |
| Memoranda: | ||
| Average total assets | $45,674,400 | 6,885 |
| Average earning assets | $43,489,000 | 6,784 |
| Average equity | $7,012,800 | 6,264 |
| Average total loans | $31,899,400 | 6,527 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 7,753 |
| Cost of funding earning assets | 1.9717% | 3,507 |
| Net interest margin | 2.1760% | 7,722 |
| Noninterest income to average assets | 0.0710% | 7,560 |
| Noninterest expense to average assets | 7.5096% | 172 |
| Loan and lease loss provision to assets | 0.7534% | 2,487 |
| Net operating income to assets | -6.1201% | 7,930 |
| Return on assets (ROA) | -6.1201% | 7,928 |
| Pretax return on assets | -6.1201% | 7,915 |
| Return on Equity (ROE) | -38.0915% | 7,735 |
| Retained earnings to average equity (ytd only) | -38.3606% | 7,730 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 350.4323% | 51 |
| Assets per employee ($millions) | 3.2410% | 5,541 |
| Cash dividends to net income (ytd only)* | -0.7065% | 7,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 5,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.8316% | 2,839 |
| Net loans and leases to deposits | 85.4442% | 3,424 |
| Net loans and leases to core deposits | 95.5383% | 4,860 |
| Total domestic deposits to total assets | 85.2388% | 3,102 |
| Equity capital to assets | 11.1313% | 2,900 |
| Core capital (leverage) ratio | 12.0680% | 1,774 |
| Tier 1 risk-based capital ratio | 15.0327% | 3,023 |
| Total risk-based capital ratio | 16.1152% | 3,047 |
| Memoranda: | ||
| Average total assets | $43,179,250 | 7,035 |
| Average earning assets | $41,114,250 | 6,955 |
| Average equity | $6,937,500 | 6,338 |
| Average total loans | $28,139,000 | 6,787 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8542% | 7,955 |
| Cost of funding earning assets | 1.9486% | 4,007 |
| Net interest margin | 1.9056% | 7,909 |
| Noninterest income to average assets | 0.0612% | 7,682 |
| Noninterest expense to average assets | 8.1313% | 160 |
| Loan and lease loss provision to assets | 0.7040% | 2,319 |
| Net operating income to assets | -6.9631% | 8,051 |
| Return on assets (ROA) | -6.9631% | 8,042 |
| Pretax return on assets | -6.9631% | 8,024 |
| Return on Equity (ROE) | -37.8868% | 7,823 |
| Retained earnings to average equity (ytd only) | -38.0534% | 7,809 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 434.3324% | 45 |
| Assets per employee ($millions) | 4.0308% | 3,621 |
| Cash dividends to net income (ytd only)* | -0.4396% | 7,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,940 |
| 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 | 56.5221% | 6,152 |
| Net loans and leases to deposits | 80.3446% | 4,492 |
| Net loans and leases to core deposits | 93.6960% | 5,152 |
| Total domestic deposits to total assets | 70.3496% | 7,434 |
| Equity capital to assets | 11.8676% | 2,281 |
| Core capital (leverage) ratio | 16.2958% | 701 |
| Tier 1 risk-based capital ratio | 18.7502% | 1,828 |
| Total risk-based capital ratio | 19.6870% | 1,842 |
| Memoranda: | ||
| Average total assets | $39,206,670 | 7,249 |
| Average earning assets | $37,257,670 | 7,164 |
| Average equity | $7,205,670 | 6,299 |
| Average total loans | $23,995,000 | 7,083 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 7,868 |
| Cost of funding earning assets | 2.1471% | 3,426 |
| Net interest margin | 2.1194% | 7,841 |
| Noninterest income to average assets | 0.0523% | 7,820 |
| Noninterest expense to average assets | 10.0018% | 116 |
| Loan and lease loss provision to assets | 0.5230% | 2,377 |
| Net operating income to assets | -8.4721% | 8,154 |
| Return on assets (ROA) | -8.4721% | 8,145 |
| Pretax return on assets | -8.4721% | 8,128 |
| Return on Equity (ROE) | -34.7453% | 7,943 |
| Retained earnings to average equity (ytd only) | -34.7453% | 7,911 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 487.2611% | 40 |
| Assets per employee ($millions) | 2.7165% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 5,458 |
| 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 | 56.4040% | 6,181 |
| Net loans and leases to deposits | 70.5207% | 5,931 |
| Net loans and leases to core deposits | 85.6909% | 5,931 |
| Total domestic deposits to total assets | 79.9821% | 5,379 |
| Equity capital to assets | 19.4946% | 448 |
| Core capital (leverage) ratio | 23.5038% | 269 |
| Tier 1 risk-based capital ratio | 29.0026% | 688 |
| Total risk-based capital ratio | 29.9345% | 689 |
| Memoranda: | ||
| Average total assets | $30,594,500 | 7,624 |
| Average earning assets | $28,876,500 | 7,577 |
| Average equity | $7,460,000 | 6,239 |
| Average total loans | $19,876,000 | 7,370 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 8,026 |
| Cost of funding earning assets | 1.1821% | 7,960 |
| Net interest margin | 3.3325% | 5,922 |
| Noninterest income to average assets | 0.0317% | 7,975 |
| Noninterest expense to average assets | 17.2375% | 62 |
| Loan and lease loss provision to assets | 1.0506% | 1,394 |
| Net operating income to assets | -15.1310% | 8,287 |
| Return on assets (ROA) | -15.1310% | 8,287 |
| Pretax return on assets | -15.1310% | 8,287 |
| Return on Equity (ROE) | -35.5892% | 8,028 |
| Retained earnings to average equity (ytd only) | -35.5892% | 7,996 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 545.9866% | 37 |
| Assets per employee ($millions) | 1.6541% | 8,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,269 |
| 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 | 77.1353% | 2,341 |
| Net loans and leases to deposits | 115.0966% | 565 |
| Net loans and leases to core deposits | 132.7413% | 1,674 |
| Total domestic deposits to total assets | 67.0179% | 7,571 |
| Equity capital to assets | 32.4121% | 146 |
| Core capital (leverage) ratio | 36.1559% | 129 |
| Tier 1 risk-based capital ratio | 36.4064% | 412 |
| Total risk-based capital ratio | 37.3704% | 413 |
| Memoranda: | ||
| Average total assets | $18,941,250 | 8,051 |
| Average earning assets | $17,764,500 | 8,010 |
| Average equity | $8,053,000 | 6,072 |
| Average total loans | $12,226,500 | 7,822 |