Home > Transpecos Banks, SSB > Performance and Condition Ratios
Transpecos Banks, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2548% | 188 |
| Cost of funding earning assets | 2.7755% | 219 |
| Net interest margin | 4.4793% | 635 |
| Noninterest income to average assets | 1.6300% | 349 |
| Noninterest expense to average assets | 4.1920% | 327 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.0524% | 2,058 |
| Return on assets (ROA) | 1.0480% | 2,041 |
| Pretax return on assets | 1.0480% | 2,541 |
| Return on Equity (ROE) | 12.7400% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.4893% | 2,064 |
| Net charge-offs to loans | 0.2265% | 482 |
| Credit loss provision to net charge-offs | 243.4156% | 1,092 |
| Earnings coverage of net charge-offs (x) | 9.0895% | 2,311 |
| Efficiency ratio | 74.8262% | 1,365 |
| Assets per employee ($millions) | 6.8456% | 2,177 |
| Cash dividends to net income (ytd only)* | 49.0632% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 3,809 |
| Loan loss allowance to noncurrent loans | 50.8208% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3078% | 316 |
| Noncurrent loans to loans | 1.7117% | 363 |
| Net loans and leases to total assets | 67.6400% | 2,081 |
| Net loans and leases to deposits | 82.6362% | 1,899 |
| Net loans and leases to core deposits | 147.8955% | 219 |
| Total domestic deposits to total assets | 81.8500% | 3,155 |
| Equity capital to assets | 7.7283% | 3,590 |
| Core capital (leverage) ratio | 9.1474% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $626,460,600 | 1,421 |
| Average earning assets | $554,860,600 | 1,482 |
| Average equity | $51,530,800 | 1,570 |
| Average total loans | $429,128,200 | 1,399 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1729% | 176 |
| Cost of funding earning assets | 2.6785% | 201 |
| Net interest margin | 4.4944% | 619 |
| Noninterest income to average assets | 1.2000% | 498 |
| Noninterest expense to average assets | 4.3361% | 298 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 0.5494% | 3,664 |
| Return on assets (ROA) | 0.5494% | 3,652 |
| Pretax return on assets | 0.5494% | 3,826 |
| Return on Equity (ROE) | 6.5500% | 3,533 |
| Retained earnings to average equity (ytd only) | 0.5215% | 4,042 |
| Net charge-offs to loans | 0.1509% | 555 |
| Credit loss provision to net charge-offs | 360.3486% | 774 |
| Earnings coverage of net charge-offs (x) | 8.3943% | 2,196 |
| Efficiency ratio | 83.3102% | 654 |
| Assets per employee ($millions) | 6.9299% | 2,007 |
| Cash dividends to net income (ytd only)* | 92.0394% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8797% | 3,800 |
| Loan loss allowance to noncurrent loans | 36.8898% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.7199% | 185 |
| Noncurrent loans to loans | 2.3846% | 208 |
| Net loans and leases to total assets | 65.5400% | 2,284 |
| Net loans and leases to deposits | 78.5686% | 2,191 |
| Net loans and leases to core deposits | 119.3417% | 567 |
| Total domestic deposits to total assets | 83.4100% | 2,924 |
| Equity capital to assets | 7.3762% | 3,433 |
| Core capital (leverage) ratio | 9.3067% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $591,398,000 | 1,503 |
| Average earning assets | $527,193,250 | 1,554 |
| Average equity | $49,600,000 | 1,607 |
| Average total loans | $405,621,750 | 1,454 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9305% | 183 |
| Cost of funding earning assets | 2.5102% | 191 |
| Net interest margin | 4.4203% | 683 |
| Noninterest income to average assets | 1.2100% | 434 |
| Noninterest expense to average assets | 4.5988% | 260 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.3458% | 4,096 |
| Return on assets (ROA) | 0.3458% | 4,119 |
| Pretax return on assets | 0.3458% | 4,185 |
| Return on Equity (ROE) | 3.9100% | 4,034 |
| Retained earnings to average equity (ytd only) | -1.5755% | 4,262 |
| Net charge-offs to loans | 0.2134% | 378 |
| Credit loss provision to net charge-offs | 189.2768% | 1,077 |
| Earnings coverage of net charge-offs (x) | 3.8005% | 2,245 |
| Efficiency ratio | 89.0509% | 383 |
| Assets per employee ($millions) | 5.5237% | 3,129 |
| Cash dividends to net income (ytd only)* | 140.3433% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 4,074 |
| Loan loss allowance to noncurrent loans | 59.4051% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 391 |
| Noncurrent loans to loans | 1.2972% | 547 |
| Net loans and leases to total assets | 71.8800% | 1,545 |
| Net loans and leases to deposits | 88.3702% | 1,311 |
| Net loans and leases to core deposits | 165.1058% | 90 |
| Total domestic deposits to total assets | 81.3400% | 3,368 |
| Equity capital to assets | 7.9066% | 3,279 |
| Core capital (leverage) ratio | 9.8106% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2358% | 2,813 |
| Memoranda: | ||
| Average total assets | $539,053,000 | 1,640 |
| Average earning assets | $481,955,000 | 1,683 |
| Average equity | $47,731,333 | 1,654 |
| Average total loans | $375,882,667 | 1,519 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2145% | 103 |
| Cost of funding earning assets | 2.5966% | 81 |
| Net interest margin | 4.6179% | 496 |
| Noninterest income to average assets | 1.0500% | 534 |
| Noninterest expense to average assets | 4.7872% | 245 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3970% | 4,093 |
| Return on assets (ROA) | 0.4010% | 4,037 |
| Pretax return on assets | 0.4010% | 4,130 |
| Return on Equity (ROE) | 4.2400% | 4,000 |
| Retained earnings to average equity (ytd only) | -3.1947% | 4,245 |
| Net charge-offs to loans | 0.0143% | 1,420 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 1,182 |
| Efficiency ratio | 92.3426% | 295 |
| Assets per employee ($millions) | 5.7749% | 2,958 |
| Cash dividends to net income (ytd only)* | 175.3535% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,061 |
| Loan loss allowance to noncurrent loans | 169.0860% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 999 |
| Noncurrent loans to loans | 0.4819% | 1,507 |
| Net loans and leases to total assets | 67.6500% | 1,875 |
| Net loans and leases to deposits | 75.5036% | 2,161 |
| Net loans and leases to core deposits | 134.9891% | 228 |
| Total domestic deposits to total assets | 89.6000% | 1,298 |
| Equity capital to assets | 8.8478% | 2,632 |
| Core capital (leverage) ratio | 9.2458% | 3,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4029% | 2,222 |
| Memoranda: | ||
| Average total assets | $493,729,000 | 1,758 |
| Average earning assets | $442,276,500 | 1,796 |
| Average equity | $46,703,000 | 1,692 |
| Average total loans | $335,753,500 | 1,663 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 253 |
| Cost of funding earning assets | 0.5098% | 1,321 |
| Net interest margin | 4.5968% | 249 |
| Noninterest income to average assets | 1.3800% | 378 |
| Noninterest expense to average assets | 4.9936% | 217 |
| Loan and lease loss provision to assets | -0.0600% | 4,444 |
| Net operating income to assets | 0.6330% | 3,797 |
| Return on assets (ROA) | 0.7195% | 3,511 |
| Pretax return on assets | 0.7195% | 3,816 |
| Return on Equity (ROE) | 9.4000% | 2,994 |
| Retained earnings to average equity (ytd only) | 3.6092% | 3,538 |
| Net charge-offs to loans | -0.0769% | 4,456 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.6936% | 311 |
| Assets per employee ($millions) | 4.2578% | 4,169 |
| Cash dividends to net income (ytd only)* | 61.6068% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 3,543 |
| Loan loss allowance to noncurrent loans | 151.4286% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 707 |
| Noncurrent loans to loans | 0.6374% | 1,160 |
| Net loans and leases to total assets | 67.0800% | 1,924 |
| Net loans and leases to deposits | 75.8213% | 2,114 |
| Net loans and leases to core deposits | 113.7074% | 494 |
| Total domestic deposits to total assets | 88.4700% | 1,900 |
| Equity capital to assets | 10.2802% | 1,566 |
| Core capital (leverage) ratio | 12.2406% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4881% | 1,480 |
| Memoranda: | ||
| Average total assets | $422,100,600 | 1,942 |
| Average earning assets | $384,658,200 | 1,966 |
| Average equity | $32,306,200 | 2,231 |
| Average total loans | $308,356,200 | 1,684 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 190 |
| Cost of funding earning assets | 0.3411% | 1,778 |
| Net interest margin | 4.7374% | 161 |
| Noninterest income to average assets | 1.4300% | 373 |
| Noninterest expense to average assets | 4.7538% | 229 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8832% | 2,950 |
| Return on assets (ROA) | 0.9984% | 2,452 |
| Pretax return on assets | 0.9984% | 3,014 |
| Return on Equity (ROE) | 14.2700% | 1,357 |
| Retained earnings to average equity (ytd only) | 8.4466% | 1,836 |
| Net charge-offs to loans | -0.0832% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.4841% | 631 |
| Assets per employee ($millions) | 4.2576% | 4,192 |
| Cash dividends to net income (ytd only)* | 40.7970% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 2,777 |
| Loan loss allowance to noncurrent loans | 112.2415% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9887% | 450 |
| Noncurrent loans to loans | 1.0277% | 740 |
| Net loans and leases to total assets | 72.8300% | 1,198 |
| Net loans and leases to deposits | 80.3962% | 1,558 |
| Net loans and leases to core deposits | 113.1972% | 385 |
| Total domestic deposits to total assets | 90.5800% | 1,411 |
| Equity capital to assets | 7.5296% | 3,203 |
| Core capital (leverage) ratio | 7.6510% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3047% | 2,986 |
| Memoranda: | ||
| Average total assets | $422,245,500 | 1,958 |
| Average earning assets | $386,585,250 | 1,975 |
| Average equity | $29,549,500 | 2,391 |
| Average total loans | $314,065,750 | 1,653 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 211 |
| Cost of funding earning assets | 0.1796% | 3,188 |
| Net interest margin | 4.6739% | 153 |
| Noninterest income to average assets | 1.4788% | 341 |
| Noninterest expense to average assets | 4.5156% | 209 |
| Loan and lease loss provision to assets | 0.1576% | 594 |
| Net operating income to assets | 1.0889% | 1,817 |
| Return on assets (ROA) | 1.2581% | 1,247 |
| Pretax return on assets | 1.2581% | 1,878 |
| Return on Equity (ROE) | 18.1571% | 458 |
| Retained earnings to average equity (ytd only) | 13.0190% | 464 |
| Net charge-offs to loans | -0.0031% | 3,213 |
| Credit loss provision to net charge-offs | -6,800.0000% | 3,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3669% | 1,063 |
| Assets per employee ($millions) | 4.8795% | 3,787 |
| Cash dividends to net income (ytd only)* | 28.2977% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8907% | 3,976 |
| Loan loss allowance to noncurrent loans | 76.2115% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0793% | 422 |
| Noncurrent loans to loans | 1.1688% | 687 |
| Net loans and leases to total assets | 74.7466% | 834 |
| Net loans and leases to deposits | 82.8994% | 1,190 |
| Net loans and leases to core deposits | 132.2712% | 111 |
| Total domestic deposits to total assets | 90.1654% | 1,645 |
| Equity capital to assets | 6.5255% | 4,010 |
| Core capital (leverage) ratio | 8.6815% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1133% | 3,078 |
| Memoranda: | ||
| Average total assets | $431,441,667 | 1,929 |
| Average earning assets | $395,389,667 | 1,960 |
| Average equity | $29,894,667 | 2,424 |
| Average total loans | $321,512,000 | 1,626 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 152 |
| Cost of funding earning assets | 0.1414% | 3,608 |
| Net interest margin | 4.8571% | 109 |
| Noninterest income to average assets | 0.6096% | 1,656 |
| Noninterest expense to average assets | 4.1205% | 259 |
| Loan and lease loss provision to assets | 0.1926% | 382 |
| Net operating income to assets | 0.7299% | 2,935 |
| Return on assets (ROA) | 1.0814% | 1,572 |
| Pretax return on assets | 1.0814% | 2,201 |
| Return on Equity (ROE) | 15.1157% | 628 |
| Retained earnings to average equity (ytd only) | 10.4989% | 907 |
| Net charge-offs to loans | 0.0247% | 1,073 |
| Credit loss provision to net charge-offs | 1,052.6316% | 319 |
| Earnings coverage of net charge-offs (x) | 50.4211% | 923 |
| Efficiency ratio | 81.7071% | 1,009 |
| Assets per employee ($millions) | 4.3568% | 4,225 |
| Cash dividends to net income (ytd only)* | 30.5432% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,504 |
| Loan loss allowance to noncurrent loans | 33.0421% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.3025% | 112 |
| Noncurrent loans to loans | 3.1942% | 155 |
| Net loans and leases to total assets | 71.3215% | 896 |
| Net loans and leases to deposits | 86.0057% | 738 |
| Net loans and leases to core deposits | 114.2261% | 190 |
| Total domestic deposits to total assets | 82.9264% | 3,954 |
| Equity capital to assets | 7.7141% | 3,792 |
| Core capital (leverage) ratio | 8.2738% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0687% | 2,877 |
| Memoranda: | ||
| Average total assets | $415,388,000 | 1,996 |
| Average earning assets | $379,153,000 | 2,032 |
| Average equity | $29,717,500 | 2,499 |
| Average total loans | $307,467,500 | 1,674 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 440 |
| Cost of funding earning assets | 0.1820% | 3,638 |
| Net interest margin | 4.4909% | 277 |
| Noninterest income to average assets | 1.2149% | 719 |
| Noninterest expense to average assets | 4.1178% | 268 |
| Loan and lease loss provision to assets | 0.3179% | 245 |
| Net operating income to assets | 0.9472% | 2,880 |
| Return on assets (ROA) | 0.9472% | 2,950 |
| Pretax return on assets | 0.9472% | 3,385 |
| Return on Equity (ROE) | 15.7163% | 801 |
| Retained earnings to average equity (ytd only) | 7.8670% | 1,596 |
| Net charge-offs to loans | 0.4302% | 192 |
| Credit loss provision to net charge-offs | 92.5355% | 1,862 |
| Earnings coverage of net charge-offs (x) | 3.6823% | 2,532 |
| Efficiency ratio | 76.4981% | 1,064 |
| Assets per employee ($millions) | 5.6782% | 3,086 |
| Cash dividends to net income (ytd only)* | 49.9441% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,221 |
| Loan loss allowance to noncurrent loans | 37.4797% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.6681% | 232 |
| Noncurrent loans to loans | 2.2025% | 336 |
| Net loans and leases to total assets | 75.1103% | 579 |
| Net loans and leases to deposits | 95.5085% | 332 |
| Net loans and leases to core deposits | 127.8073% | 111 |
| Total domestic deposits to total assets | 78.6425% | 4,343 |
| Equity capital to assets | 6.5647% | 4,782 |
| Core capital (leverage) ratio | 7.7299% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4480% | 2,991 |
| Memoranda: | ||
| Average total assets | $471,827,200 | 1,768 |
| Average earning assets | $437,908,200 | 1,777 |
| Average equity | $28,435,400 | 2,620 |
| Average total loans | $376,836,400 | 1,437 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2990% | 954 |
| Cost of funding earning assets | 0.1918% | 3,702 |
| Net interest margin | 4.1072% | 645 |
| Noninterest income to average assets | 1.2126% | 774 |
| Noninterest expense to average assets | 3.8363% | 327 |
| Loan and lease loss provision to assets | 0.2004% | 517 |
| Net operating income to assets | 0.9958% | 2,929 |
| Return on assets (ROA) | 0.9958% | 2,995 |
| Pretax return on assets | 0.9958% | 3,470 |
| Return on Equity (ROE) | 16.8717% | 783 |
| Retained earnings to average equity (ytd only) | 9.7986% | 1,382 |
| Net charge-offs to loans | 0.2311% | 357 |
| Credit loss provision to net charge-offs | 107.3025% | 1,536 |
| Earnings coverage of net charge-offs (x) | 6.4054% | 2,178 |
| Efficiency ratio | 76.2305% | 1,023 |
| Assets per employee ($millions) | 6.1036% | 2,586 |
| Cash dividends to net income (ytd only)* | 41.9229% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 4,295 |
| Loan loss allowance to noncurrent loans | 43.2269% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.4657% | 340 |
| Noncurrent loans to loans | 1.9332% | 464 |
| Net loans and leases to total assets | 75.1835% | 601 |
| Net loans and leases to deposits | 106.7988% | 123 |
| Net loans and leases to core deposits | 139.3427% | 84 |
| Total domestic deposits to total assets | 70.3973% | 4,722 |
| Equity capital to assets | 6.2318% | 4,879 |
| Core capital (leverage) ratio | 8.8070% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3244% | 2,899 |
| Memoranda: | ||
| Average total assets | $479,059,500 | 1,765 |
| Average earning assets | $445,548,750 | 1,772 |
| Average equity | $28,275,500 | 2,658 |
| Average total loans | $387,187,750 | 1,442 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 1,232 |
| Cost of funding earning assets | 0.1979% | 3,774 |
| Net interest margin | 3.9723% | 860 |
| Noninterest income to average assets | 1.3910% | 612 |
| Noninterest expense to average assets | 3.7577% | 348 |
| Loan and lease loss provision to assets | 0.2313% | 445 |
| Net operating income to assets | 1.1092% | 2,510 |
| Return on assets (ROA) | 1.1092% | 2,574 |
| Pretax return on assets | 1.1092% | 3,183 |
| Return on Equity (ROE) | 19.1344% | 530 |
| Retained earnings to average equity (ytd only) | 12.0080% | 917 |
| Net charge-offs to loans | 0.2967% | 296 |
| Credit loss provision to net charge-offs | 94.5946% | 1,417 |
| Earnings coverage of net charge-offs (x) | 5.4814% | 1,992 |
| Efficiency ratio | 73.7055% | 1,268 |
| Assets per employee ($millions) | 6.6828% | 2,032 |
| Cash dividends to net income (ytd only)* | 37.2439% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 4,504 |
| Loan loss allowance to noncurrent loans | 45.2788% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2593% | 522 |
| Noncurrent loans to loans | 1.5833% | 701 |
| Net loans and leases to total assets | 78.9703% | 378 |
| Net loans and leases to deposits | 127.2482% | 40 |
| Net loans and leases to core deposits | 151.4469% | 65 |
| Total domestic deposits to total assets | 62.0601% | 4,856 |
| Equity capital to assets | 5.6900% | 4,934 |
| Core capital (leverage) ratio | 8.3790% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1152% | 2,674 |
| Memoranda: | ||
| Average total assets | $484,120,667 | 1,752 |
| Average earning assets | $451,828,667 | 1,753 |
| Average equity | $28,064,667 | 2,670 |
| Average total loans | $399,018,000 | 1,413 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0183% | 1,574 |
| Cost of funding earning assets | 0.1918% | 3,993 |
| Net interest margin | 3.8265% | 1,090 |
| Noninterest income to average assets | 2.0623% | 355 |
| Noninterest expense to average assets | 3.9068% | 308 |
| Loan and lease loss provision to assets | 0.1892% | 646 |
| Net operating income to assets | 1.5400% | 1,238 |
| Return on assets (ROA) | 1.5400% | 1,304 |
| Pretax return on assets | 1.5400% | 1,885 |
| Return on Equity (ROE) | 26.3098% | 222 |
| Retained earnings to average equity (ytd only) | 22.7176% | 186 |
| Net charge-offs to loans | 0.1944% | 419 |
| Credit loss provision to net charge-offs | 115.9794% | 1,059 |
| Earnings coverage of net charge-offs (x) | 10.5979% | 1,490 |
| Efficiency ratio | 69.3180% | 1,781 |
| Assets per employee ($millions) | 6.1464% | 2,459 |
| Cash dividends to net income (ytd only)* | 13.6537% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7061% | 4,561 |
| Loan loss allowance to noncurrent loans | 44.8557% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3890% | 484 |
| Noncurrent loans to loans | 1.5741% | 776 |
| Net loans and leases to total assets | 85.6796% | 96 |
| Net loans and leases to deposits | 141.9973% | 25 |
| Net loans and leases to core deposits | 162.0498% | 59 |
| Total domestic deposits to total assets | 60.3389% | 4,882 |
| Equity capital to assets | 5.9511% | 4,945 |
| Core capital (leverage) ratio | 7.5815% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1373% | 2,614 |
| Memoranda: | ||
| Average total assets | $475,575,500 | 1,766 |
| Average earning assets | $444,171,000 | 1,764 |
| Average equity | $27,837,500 | 2,682 |
| Average total loans | $399,194,000 | 1,415 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8839% | 46 |
| Cost of funding earning assets | 0.3190% | 4,035 |
| Net interest margin | 6.5649% | 31 |
| Noninterest income to average assets | 0.7373% | 1,725 |
| Noninterest expense to average assets | 4.6540% | 232 |
| Loan and lease loss provision to assets | 1.0711% | 80 |
| Net operating income to assets | 1.0740% | 2,008 |
| Return on assets (ROA) | 1.2959% | 1,359 |
| Pretax return on assets | 1.2959% | 1,990 |
| Return on Equity (ROE) | 18.8998% | 285 |
| Retained earnings to average equity (ytd only) | 17.8611% | 89 |
| Net charge-offs to loans | 0.9571% | 140 |
| Credit loss provision to net charge-offs | 143.2927% | 2,461 |
| Earnings coverage of net charge-offs (x) | 2.8697% | 3,128 |
| Efficiency ratio | 68.4502% | 2,171 |
| Assets per employee ($millions) | 7.4878% | 1,291 |
| Cash dividends to net income (ytd only)* | 5.4957% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7512% | 4,509 |
| Loan loss allowance to noncurrent loans | 47.7686% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3137% | 610 |
| Noncurrent loans to loans | 1.5727% | 842 |
| Net loans and leases to total assets | 80.9384% | 371 |
| Net loans and leases to deposits | 114.5703% | 111 |
| Net loans and leases to core deposits | 155.5545% | 75 |
| Total domestic deposits to total assets | 70.6452% | 4,759 |
| Equity capital to assets | 5.7542% | 4,981 |
| Core capital (leverage) ratio | 8.3907% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7827% | 2,974 |
| Memoranda: | ||
| Average total assets | $351,031,800 | 2,044 |
| Average earning assets | $324,133,200 | 2,063 |
| Average equity | $24,069,000 | 2,870 |
| Average total loans | $274,150,600 | 1,806 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0952% | 44 |
| Cost of funding earning assets | 0.3724% | 3,950 |
| Net interest margin | 6.7228% | 29 |
| Noninterest income to average assets | 0.4072% | 3,042 |
| Noninterest expense to average assets | 4.6931% | 217 |
| Loan and lease loss provision to assets | 1.1270% | 102 |
| Net operating income to assets | 0.7679% | 3,218 |
| Return on assets (ROA) | 0.7679% | 3,334 |
| Pretax return on assets | 0.7679% | 3,735 |
| Return on Equity (ROE) | 10.5747% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.5747% | 659 |
| Net charge-offs to loans | 1.0563% | 130 |
| Credit loss provision to net charge-offs | 138.8633% | 2,395 |
| Earnings coverage of net charge-offs (x) | 2.3349% | 3,001 |
| Efficiency ratio | 71.2375% | 1,721 |
| Assets per employee ($millions) | 7.2917% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 4,452 |
| Loan loss allowance to noncurrent loans | 79.1247% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8138% | 1,417 |
| Noncurrent loans to loans | 0.9633% | 1,562 |
| Net loans and leases to total assets | 80.1287% | 602 |
| Net loans and leases to deposits | 124.5862% | 80 |
| Net loans and leases to core deposits | 160.2005% | 81 |
| Total domestic deposits to total assets | 64.3159% | 4,884 |
| Equity capital to assets | 6.1746% | 4,998 |
| Core capital (leverage) ratio | 8.1146% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4825% | 2,798 |
| Memoranda: | ||
| Average total assets | $320,857,500 | 2,166 |
| Average earning assets | $294,988,250 | 2,185 |
| Average equity | $23,300,250 | 2,920 |
| Average total loans | $246,513,250 | 1,941 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8719% | 26 |
| Cost of funding earning assets | 0.4612% | 3,736 |
| Net interest margin | 8.4107% | 21 |
| Noninterest income to average assets | 0.4511% | 2,801 |
| Noninterest expense to average assets | 5.5365% | 154 |
| Loan and lease loss provision to assets | 1.4584% | 88 |
| Net operating income to assets | 1.0956% | 1,981 |
| Return on assets (ROA) | 1.0956% | 2,101 |
| Pretax return on assets | 1.0956% | 2,718 |
| Return on Equity (ROE) | 14.1025% | 865 |
| Retained earnings to average equity (ytd only) | 14.1025% | 270 |
| Net charge-offs to loans | 1.0659% | 131 |
| Credit loss provision to net charge-offs | 182.4185% | 1,986 |
| Earnings coverage of net charge-offs (x) | 3.1947% | 2,702 |
| Efficiency ratio | 68.4322% | 2,181 |
| Assets per employee ($millions) | 7.5311% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 4,108 |
| Loan loss allowance to noncurrent loans | 88.8743% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 1,594 |
| Noncurrent loans to loans | 0.9842% | 1,578 |
| Net loans and leases to total assets | 78.5945% | 773 |
| Net loans and leases to deposits | 123.6275% | 77 |
| Net loans and leases to core deposits | 151.5018% | 102 |
| Total domestic deposits to total assets | 63.5737% | 4,922 |
| Equity capital to assets | 6.2919% | 5,025 |
| Core capital (leverage) ratio | 7.5083% | 4,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7041% | 2,731 |
| Memoranda: | ||
| Average total assets | $291,699,000 | 2,302 |
| Average earning assets | $264,948,000 | 2,336 |
| Average equity | $22,662,667 | 2,954 |
| Average total loans | $218,782,667 | 2,094 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9421% | 172 |
| Cost of funding earning assets | 0.7616% | 2,598 |
| Net interest margin | 5.1805% | 150 |
| Noninterest income to average assets | 0.6205% | 1,948 |
| Noninterest expense to average assets | 4.0357% | 491 |
| Loan and lease loss provision to assets | 1.2327% | 142 |
| Net operating income to assets | 0.0116% | 4,741 |
| Return on assets (ROA) | 0.0116% | 4,728 |
| Pretax return on assets | 0.0116% | 4,724 |
| Return on Equity (ROE) | 0.1292% | 4,727 |
| Retained earnings to average equity (ytd only) | 0.1292% | 3,964 |
| Net charge-offs to loans | 1.6932% | 89 |
| Credit loss provision to net charge-offs | 101.7760% | 1,802 |
| Earnings coverage of net charge-offs (x) | 1.0273% | 2,425 |
| Efficiency ratio | 76.4337% | 1,518 |
| Assets per employee ($millions) | 5.1173% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,617 |
| Loan loss allowance to noncurrent loans | 134.8855% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 2,393 |
| Noncurrent loans to loans | 0.7538% | 2,117 |
| Net loans and leases to total assets | 68.6070% | 2,451 |
| Net loans and leases to deposits | 75.6688% | 3,101 |
| Net loans and leases to core deposits | 101.9026% | 1,329 |
| Total domestic deposits to total assets | 90.6675% | 155 |
| Equity capital to assets | 8.9038% | 4,655 |
| Core capital (leverage) ratio | 8.7316% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8677% | 2,766 |
| Memoranda: | ||
| Average total assets | $241,741,000 | 2,538 |
| Average earning assets | $217,430,500 | 2,593 |
| Average equity | $21,674,000 | 3,016 |
| Average total loans | $172,922,000 | 2,433 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0957% | 196 |
| Cost of funding earning assets | 0.9114% | 2,150 |
| Net interest margin | 5.1843% | 199 |
| Noninterest income to average assets | 1.6557% | 347 |
| Noninterest expense to average assets | 4.2860% | 379 |
| Loan and lease loss provision to assets | 1.4808% | 59 |
| Net operating income to assets | 0.4797% | 4,450 |
| Return on assets (ROA) | 0.6001% | 4,222 |
| Pretax return on assets | 0.6001% | 4,415 |
| Return on Equity (ROE) | 6.7850% | 3,629 |
| Retained earnings to average equity (ytd only) | 0.9105% | 4,415 |
| Net charge-offs to loans | 1.9991% | 57 |
| Credit loss provision to net charge-offs | 113.8482% | 2,209 |
| Earnings coverage of net charge-offs (x) | 1.5073% | 3,528 |
| Efficiency ratio | 68.6144% | 2,371 |
| Assets per employee ($millions) | 4.6547% | 3,017 |
| Cash dividends to net income (ytd only)* | 86.5801% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 3,388 |
| Loan loss allowance to noncurrent loans | 99.8861% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 1,718 |
| Noncurrent loans to loans | 1.0207% | 1,486 |
| Net loans and leases to total assets | 73.1703% | 1,895 |
| Net loans and leases to deposits | 80.8889% | 2,674 |
| Net loans and leases to core deposits | 104.8092% | 1,179 |
| Total domestic deposits to total assets | 90.4578% | 205 |
| Equity capital to assets | 9.0326% | 4,672 |
| Core capital (leverage) ratio | 8.1455% | 4,993 |
| Tier 1 risk-based capital ratio | 10.9429% | 4,877 |
| Total risk-based capital ratio | 11.9272% | 4,883 |
| Memoranda: | ||
| Average total assets | $230,960,600 | 2,569 |
| Average earning assets | $204,521,600 | 2,662 |
| Average equity | $20,427,400 | 3,094 |
| Average total loans | $150,265,800 | 2,618 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0938% | 207 |
| Cost of funding earning assets | 0.9066% | 2,203 |
| Net interest margin | 5.1872% | 202 |
| Noninterest income to average assets | 2.0365% | 258 |
| Noninterest expense to average assets | 4.4346% | 319 |
| Loan and lease loss provision to assets | 1.3939% | 61 |
| Net operating income to assets | 0.7849% | 3,719 |
| Return on assets (ROA) | 0.7849% | 3,790 |
| Pretax return on assets | 0.7849% | 4,156 |
| Return on Equity (ROE) | 8.9221% | 2,921 |
| Retained earnings to average equity (ytd only) | 3.3334% | 3,740 |
| Net charge-offs to loans | 0.9731% | 151 |
| Credit loss provision to net charge-offs | 228.0038% | 1,181 |
| Earnings coverage of net charge-offs (x) | 3.5639% | 3,087 |
| Efficiency ratio | 67.0544% | 2,580 |
| Assets per employee ($millions) | 4.8518% | 2,728 |
| Cash dividends to net income (ytd only)* | 62.6384% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 751 |
| Loan loss allowance to noncurrent loans | 81.7436% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 871 |
| Noncurrent loans to loans | 2.1323% | 617 |
| Net loans and leases to total assets | 62.5316% | 3,441 |
| Net loans and leases to deposits | 68.9076% | 3,849 |
| Net loans and leases to core deposits | 90.4546% | 2,507 |
| Total domestic deposits to total assets | 90.7470% | 129 |
| Equity capital to assets | 8.7110% | 4,919 |
| Core capital (leverage) ratio | 8.3754% | 4,995 |
| Tier 1 risk-based capital ratio | 11.7954% | 4,523 |
| Total risk-based capital ratio | 13.0494% | 4,410 |
| Memoranda: | ||
| Average total assets | $230,517,000 | 2,602 |
| Average earning assets | $203,393,500 | 2,695 |
| Average equity | $20,278,750 | 3,126 |
| Average total loans | $144,820,500 | 2,697 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 216 |
| Cost of funding earning assets | 0.9328% | 1,993 |
| Net interest margin | 5.1055% | 235 |
| Noninterest income to average assets | 1.9391% | 281 |
| Noninterest expense to average assets | 4.4231% | 328 |
| Loan and lease loss provision to assets | 1.0155% | 93 |
| Net operating income to assets | 0.9713% | 3,023 |
| Return on assets (ROA) | 0.9713% | 3,095 |
| Pretax return on assets | 0.9713% | 3,644 |
| Return on Equity (ROE) | 11.0031% | 1,970 |
| Retained earnings to average equity (ytd only) | 5.5016% | 2,519 |
| Net charge-offs to loans | 1.0563% | 132 |
| Credit loss provision to net charge-offs | 153.7433% | 1,462 |
| Earnings coverage of net charge-offs (x) | 3.0080% | 2,887 |
| Efficiency ratio | 69.0040% | 2,376 |
| Assets per employee ($millions) | 4.5291% | 3,093 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1433% | 2,827 |
| Loan loss allowance to noncurrent loans | 94.1049% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 1,500 |
| Noncurrent loans to loans | 1.2149% | 1,315 |
| Net loans and leases to total assets | 65.1355% | 3,217 |
| Net loans and leases to deposits | 72.0939% | 3,680 |
| Net loans and leases to core deposits | 76.1250% | 3,715 |
| Total domestic deposits to total assets | 90.3482% | 227 |
| Equity capital to assets | 9.1946% | 4,659 |
| Core capital (leverage) ratio | 8.9715% | 4,644 |
| Tier 1 risk-based capital ratio | 12.1233% | 4,348 |
| Total risk-based capital ratio | 13.1886% | 4,336 |
| Memoranda: | ||
| Average total assets | $226,492,330 | 2,637 |
| Average earning assets | $198,337,000 | 2,754 |
| Average equity | $19,994,330 | 3,150 |
| Average total loans | $141,631,670 | 2,746 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0894% | 193 |
| Cost of funding earning assets | 1.0270% | 1,458 |
| Net interest margin | 5.0624% | 261 |
| Noninterest income to average assets | 1.1452% | 614 |
| Noninterest expense to average assets | 4.3845% | 341 |
| Loan and lease loss provision to assets | 0.6118% | 171 |
| Net operating income to assets | 0.5012% | 4,518 |
| Return on assets (ROA) | 0.5012% | 4,539 |
| Pretax return on assets | 0.5012% | 4,678 |
| Return on Equity (ROE) | 5.8020% | 4,080 |
| Retained earnings to average equity (ytd only) | 0.6401% | 4,400 |
| Net charge-offs to loans | 0.7393% | 202 |
| Credit loss provision to net charge-offs | 136.1111% | 1,322 |
| Earnings coverage of net charge-offs (x) | 2.4762% | 2,491 |
| Efficiency ratio | 79.7534% | 1,081 |
| Assets per employee ($millions) | 4.2342% | 3,571 |
| Cash dividends to net income (ytd only)* | 88.9680% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 3,650 |
| Loan loss allowance to noncurrent loans | 65.1619% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 1,267 |
| Noncurrent loans to loans | 1.5451% | 1,038 |
| Net loans and leases to total assets | 62.6091% | 3,449 |
| Net loans and leases to deposits | 68.8885% | 3,849 |
| Net loans and leases to core deposits | 93.9179% | 2,128 |
| Total domestic deposits to total assets | 90.8847% | 194 |
| Equity capital to assets | 8.7130% | 4,873 |
| Core capital (leverage) ratio | 8.3063% | 5,102 |
| Tier 1 risk-based capital ratio | 12.2837% | 4,309 |
| Total risk-based capital ratio | 13.2185% | 4,370 |
| Memoranda: | ||
| Average total assets | $224,247,000 | 2,687 |
| Average earning assets | $192,794,000 | 2,824 |
| Average equity | $19,372,500 | 3,215 |
| Average total loans | $136,351,500 | 2,837 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3969% | 481 |
| Cost of funding earning assets | 0.6879% | 2,159 |
| Net interest margin | 4.7090% | 477 |
| Noninterest income to average assets | 1.4929% | 415 |
| Noninterest expense to average assets | 4.5883% | 280 |
| Loan and lease loss provision to assets | 0.4783% | 254 |
| Net operating income to assets | 0.5058% | 4,652 |
| Return on assets (ROA) | 0.5058% | 4,653 |
| Pretax return on assets | 0.5058% | 4,786 |
| Return on Equity (ROE) | 5.4938% | 4,327 |
| Retained earnings to average equity (ytd only) | -1.5774% | 5,107 |
| Net charge-offs to loans | 0.7276% | 218 |
| Credit loss provision to net charge-offs | 110.0230% | 2,339 |
| Earnings coverage of net charge-offs (x) | 2.2638% | 3,540 |
| Efficiency ratio | 82.3403% | 769 |
| Assets per employee ($millions) | 4.3093% | 3,447 |
| Cash dividends to net income (ytd only)* | 128.7129% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,538 |
| Loan loss allowance to noncurrent loans | 144.0258% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 2,482 |
| Noncurrent loans to loans | 0.7104% | 2,215 |
| Net loans and leases to total assets | 57.7617% | 3,993 |
| Net loans and leases to deposits | 63.4457% | 4,277 |
| Net loans and leases to core deposits | 92.9835% | 2,319 |
| Total domestic deposits to total assets | 91.0412% | 199 |
| Equity capital to assets | 8.5648% | 4,885 |
| Core capital (leverage) ratio | 8.6534% | 4,916 |
| Tier 1 risk-based capital ratio | 12.4923% | 4,143 |
| Total risk-based capital ratio | 13.3905% | 4,220 |
| Memoranda: | ||
| Average total assets | $199,680,000 | 2,875 |
| Average earning assets | $172,986,600 | 2,992 |
| Average equity | $18,384,400 | 3,256 |
| Average total loans | $119,299,000 | 3,003 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 515 |
| Cost of funding earning assets | 0.6243% | 2,303 |
| Net interest margin | 4.6839% | 487 |
| Noninterest income to average assets | 1.6661% | 360 |
| Noninterest expense to average assets | 4.6050% | 266 |
| Loan and lease loss provision to assets | 0.2666% | 576 |
| Net operating income to assets | 0.9284% | 3,396 |
| Return on assets (ROA) | 0.9284% | 3,408 |
| Pretax return on assets | 0.9284% | 3,926 |
| Return on Equity (ROE) | 9.8847% | 2,673 |
| Retained earnings to average equity (ytd only) | 3.2851% | 4,108 |
| Net charge-offs to loans | 0.4271% | 374 |
| Credit loss provision to net charge-offs | 103.7534% | 2,205 |
| Earnings coverage of net charge-offs (x) | 4.6515% | 3,035 |
| Efficiency ratio | 79.3967% | 999 |
| Assets per employee ($millions) | 4.0475% | 3,808 |
| Cash dividends to net income (ytd only)* | 66.7655% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,667 |
| Loan loss allowance to noncurrent loans | 1,252.4752% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 3,015 |
| Noncurrent loans to loans | 0.0810% | 4,514 |
| Net loans and leases to total assets | 58.6309% | 3,979 |
| Net loans and leases to deposits | 65.1148% | 4,266 |
| Net loans and leases to core deposits | 88.2406% | 2,831 |
| Total domestic deposits to total assets | 90.0423% | 498 |
| Equity capital to assets | 9.3747% | 4,205 |
| Core capital (leverage) ratio | 9.5350% | 4,133 |
| Tier 1 risk-based capital ratio | 14.0959% | 3,325 |
| Total risk-based capital ratio | 15.0178% | 3,397 |
| Memoranda: | ||
| Average total assets | $193,579,750 | 2,951 |
| Average earning assets | $170,850,000 | 3,041 |
| Average equity | $18,182,500 | 3,295 |
| Average total loans | $116,431,000 | 3,062 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3148% | 455 |
| Cost of funding earning assets | 0.5522% | 2,594 |
| Net interest margin | 4.7626% | 380 |
| Noninterest income to average assets | 1.4759% | 442 |
| Noninterest expense to average assets | 4.5704% | 281 |
| Loan and lease loss provision to assets | 0.1192% | 1,665 |
| Net operating income to assets | 1.0726% | 2,701 |
| Return on assets (ROA) | 1.0726% | 2,704 |
| Pretax return on assets | 1.0726% | 3,425 |
| Return on Equity (ROE) | 11.4115% | 1,947 |
| Retained earnings to average equity (ytd only) | 4.6190% | 3,278 |
| Net charge-offs to loans | 0.2058% | 771 |
| Credit loss provision to net charge-offs | 95.7265% | 2,111 |
| Earnings coverage of net charge-offs (x) | 9.5726% | 2,383 |
| Efficiency ratio | 79.3167% | 1,084 |
| Assets per employee ($millions) | 3.8055% | 4,201 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,806 |
| Loan loss allowance to noncurrent loans | 716.0920% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 2,786 |
| Noncurrent loans to loans | 0.1404% | 4,269 |
| Net loans and leases to total assets | 63.2063% | 3,489 |
| Net loans and leases to deposits | 70.0051% | 3,856 |
| Net loans and leases to core deposits | 88.8818% | 2,651 |
| Total domestic deposits to total assets | 90.2881% | 465 |
| Equity capital to assets | 9.1750% | 4,402 |
| Core capital (leverage) ratio | 8.9983% | 4,693 |
| Tier 1 risk-based capital ratio | 13.2348% | 3,772 |
| Total risk-based capital ratio | 14.1870% | 3,851 |
| Memoranda: | ||
| Average total assets | $187,949,330 | 3,020 |
| Average earning assets | $169,151,670 | 3,071 |
| Average equity | $17,666,330 | 3,373 |
| Average total loans | $113,686,000 | 3,113 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 869 |
| Cost of funding earning assets | 0.4531% | 3,185 |
| Net interest margin | 4.4473% | 687 |
| Noninterest income to average assets | 1.6421% | 365 |
| Noninterest expense to average assets | 4.4374% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2181% | 1,934 |
| Return on assets (ROA) | 1.2181% | 1,942 |
| Pretax return on assets | 1.2181% | 2,683 |
| Return on Equity (ROE) | 12.7984% | 1,318 |
| Retained earnings to average equity (ytd only) | 2.5688% | 4,148 |
| Net charge-offs to loans | 0.0995% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 20.8519% | 1,454 |
| Efficiency ratio | 78.4621% | 1,308 |
| Assets per employee ($millions) | 3.9134% | 4,128 |
| Cash dividends to net income (ytd only)* | 79.9290% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 3,372 |
| Loan loss allowance to noncurrent loans | 123.2394% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,835 |
| Noncurrent loans to loans | 0.8933% | 2,039 |
| Net loans and leases to total assets | 56.2414% | 4,102 |
| Net loans and leases to deposits | 62.0623% | 4,336 |
| Net loans and leases to core deposits | 74.4416% | 3,782 |
| Total domestic deposits to total assets | 90.6209% | 437 |
| Equity capital to assets | 8.9687% | 4,590 |
| Core capital (leverage) ratio | 9.1275% | 4,536 |
| Tier 1 risk-based capital ratio | 13.5719% | 3,617 |
| Total risk-based capital ratio | 14.5591% | 3,682 |
| Memoranda: | ||
| Average total assets | $184,883,000 | 3,081 |
| Average earning assets | $166,842,000 | 3,132 |
| Average equity | $17,596,000 | 3,408 |
| Average total loans | $108,570,000 | 3,217 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 1,033 |
| Cost of funding earning assets | 0.3631% | 3,588 |
| Net interest margin | 4.4073% | 750 |
| Noninterest income to average assets | 1.9792% | 303 |
| Noninterest expense to average assets | 4.6174% | 288 |
| Loan and lease loss provision to assets | 0.0837% | 2,530 |
| Net operating income to assets | 1.2272% | 1,440 |
| Return on assets (ROA) | 1.2290% | 1,448 |
| Pretax return on assets | 1.2290% | 2,646 |
| Return on Equity (ROE) | 12.2140% | 1,147 |
| Retained earnings to average equity (ytd only) | 6.3978% | 1,331 |
| Net charge-offs to loans | 0.0228% | 3,349 |
| Credit loss provision to net charge-offs | 572.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 89.6000% | 701 |
| Efficiency ratio | 77.8875% | 1,369 |
| Assets per employee ($millions) | 3.4819% | 4,721 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,887 |
| Loan loss allowance to noncurrent loans | 125.6024% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 2,602 |
| Noncurrent loans to loans | 0.9408% | 1,894 |
| Net loans and leases to total assets | 60.0912% | 3,822 |
| Net loans and leases to deposits | 67.1427% | 4,095 |
| Net loans and leases to core deposits | 71.8375% | 4,057 |
| Total domestic deposits to total assets | 89.4978% | 779 |
| Equity capital to assets | 10.1340% | 3,554 |
| Core capital (leverage) ratio | 9.8066% | 3,690 |
| Tier 1 risk-based capital ratio | 15.0265% | 2,844 |
| Total risk-based capital ratio | 16.1492% | 2,827 |
| Memoranda: | ||
| Average total assets | $170,876,000 | 3,235 |
| Average earning assets | $153,110,000 | 3,279 |
| Average equity | $17,193,400 | 3,466 |
| Average total loans | $109,708,200 | 3,189 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 1,029 |
| Cost of funding earning assets | 0.3383% | 3,789 |
| Net interest margin | 4.4118% | 711 |
| Noninterest income to average assets | 2.2288% | 264 |
| Noninterest expense to average assets | 4.7916% | 251 |
| Loan and lease loss provision to assets | 0.0996% | 2,121 |
| Net operating income to assets | 1.3045% | 1,316 |
| Return on assets (ROA) | 1.3069% | 1,346 |
| Pretax return on assets | 1.3069% | 2,449 |
| Return on Equity (ROE) | 13.0122% | 1,056 |
| Retained earnings to average equity (ytd only) | 8.3287% | 1,083 |
| Net charge-offs to loans | -0.0265% | 4,954 |
| Credit loss provision to net charge-offs | -577.2727% | 4,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3377% | 1,416 |
| Assets per employee ($millions) | 4.1736% | 3,691 |
| Cash dividends to net income (ytd only)* | 35.9928% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,052 |
| Loan loss allowance to noncurrent loans | 130.6830% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 2,817 |
| Noncurrent loans to loans | 0.9007% | 2,129 |
| Net loans and leases to total assets | 56.0619% | 4,231 |
| Net loans and leases to deposits | 62.1243% | 4,500 |
| Net loans and leases to core deposits | 66.6731% | 4,445 |
| Total domestic deposits to total assets | 90.2415% | 396 |
| Equity capital to assets | 9.2272% | 4,703 |
| Core capital (leverage) ratio | 10.1531% | 3,372 |
| Tier 1 risk-based capital ratio | 14.5158% | 3,172 |
| Total risk-based capital ratio | 15.6296% | 3,167 |
| Memoranda: | ||
| Average total assets | $170,070,750 | 3,277 |
| Average earning assets | $152,920,250 | 3,315 |
| Average equity | $17,081,000 | 3,514 |
| Average total loans | $110,668,250 | 3,193 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 527 |
| Cost of funding earning assets | 0.3297% | 3,797 |
| Net interest margin | 4.7123% | 386 |
| Noninterest income to average assets | 1.9095% | 337 |
| Noninterest expense to average assets | 4.9580% | 223 |
| Loan and lease loss provision to assets | 0.0922% | 2,145 |
| Net operating income to assets | 1.0924% | 2,011 |
| Return on assets (ROA) | 1.0924% | 2,069 |
| Pretax return on assets | 1.0924% | 3,213 |
| Return on Equity (ROE) | 10.5396% | 1,815 |
| Retained earnings to average equity (ytd only) | 6.9829% | 1,601 |
| Net charge-offs to loans | -0.0863% | 5,370 |
| Credit loss provision to net charge-offs | -156.2500% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7161% | 1,134 |
| Assets per employee ($millions) | 3.4676% | 4,768 |
| Cash dividends to net income (ytd only)* | 33.7458% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,320 |
| Loan loss allowance to noncurrent loans | 1,092.1739% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 4,649 |
| Noncurrent loans to loans | 0.1052% | 4,709 |
| Net loans and leases to total assets | 63.5780% | 3,443 |
| Net loans and leases to deposits | 71.1300% | 3,815 |
| Net loans and leases to core deposits | 75.9221% | 3,781 |
| Total domestic deposits to total assets | 89.3829% | 768 |
| Equity capital to assets | 10.1687% | 3,715 |
| Core capital (leverage) ratio | 10.2956% | 3,151 |
| Tier 1 risk-based capital ratio | 15.1708% | 2,856 |
| Total risk-based capital ratio | 16.3390% | 2,825 |
| Memoranda: | ||
| Average total assets | $162,765,670 | 3,364 |
| Average earning assets | $146,213,670 | 3,409 |
| Average equity | $16,869,670 | 3,549 |
| Average total loans | $111,253,330 | 3,203 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 506 |
| Cost of funding earning assets | 0.3009% | 4,035 |
| Net interest margin | 4.7222% | 361 |
| Noninterest income to average assets | 1.4474% | 514 |
| Noninterest expense to average assets | 4.8414% | 262 |
| Loan and lease loss provision to assets | 0.1881% | 893 |
| Net operating income to assets | 0.6296% | 4,019 |
| Return on assets (ROA) | 0.6296% | 4,066 |
| Pretax return on assets | 0.6296% | 4,661 |
| Return on Equity (ROE) | 5.9505% | 3,942 |
| Retained earnings to average equity (ytd only) | 5.9505% | 2,372 |
| Net charge-offs to loans | -0.2174% | 5,635 |
| Credit loss provision to net charge-offs | -122.9508% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5496% | 839 |
| Assets per employee ($millions) | 3.4571% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,824 |
| Loan loss allowance to noncurrent loans | 712.9213% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 4,540 |
| Noncurrent loans to loans | 0.1515% | 4,584 |
| Net loans and leases to total assets | 70.0474% | 2,371 |
| Net loans and leases to deposits | 78.3904% | 2,932 |
| Net loans and leases to core deposits | 82.9028% | 3,001 |
| Total domestic deposits to total assets | 89.3571% | 970 |
| Equity capital to assets | 10.2705% | 3,445 |
| Core capital (leverage) ratio | 10.2040% | 3,235 |
| Tier 1 risk-based capital ratio | 14.5763% | 3,162 |
| Total risk-based capital ratio | 15.7198% | 3,146 |
| Memoranda: | ||
| Average total assets | $159,457,500 | 3,440 |
| Average earning assets | $142,222,000 | 3,493 |
| Average equity | $16,872,500 | 3,565 |
| Average total loans | $112,238,000 | 3,215 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8815% | 765 |
| Cost of funding earning assets | 0.1952% | 5,065 |
| Net interest margin | 4.6863% | 433 |
| Noninterest income to average assets | 1.6529% | 435 |
| Noninterest expense to average assets | 5.1703% | 239 |
| Loan and lease loss provision to assets | 0.0948% | 2,469 |
| Net operating income to assets | 0.5742% | 4,330 |
| Return on assets (ROA) | 0.6345% | 4,182 |
| Pretax return on assets | 0.6345% | 4,694 |
| Return on Equity (ROE) | 5.7166% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.7166% | 1,870 |
| Net charge-offs to loans | 0.2416% | 1,153 |
| Credit loss provision to net charge-offs | 56.9721% | 3,293 |
| Earnings coverage of net charge-offs (x) | 4.0199% | 3,573 |
| Efficiency ratio | 88.5432% | 637 |
| Assets per employee ($millions) | 3.1219% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,957 |
| Loan loss allowance to noncurrent loans | 4,357.6923% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,968 |
| Noncurrent loans to loans | 0.0243% | 5,170 |
| Net loans and leases to total assets | 69.1861% | 2,599 |
| Net loans and leases to deposits | 81.7330% | 2,699 |
| Net loans and leases to core deposits | 88.1078% | 2,662 |
| Total domestic deposits to total assets | 84.6489% | 3,190 |
| Equity capital to assets | 10.9183% | 2,696 |
| Core capital (leverage) ratio | 10.6754% | 2,685 |
| Tier 1 risk-based capital ratio | 14.7532% | 3,070 |
| Total risk-based capital ratio | 15.8049% | 3,105 |
| Memoranda: | ||
| Average total assets | $150,823,200 | 3,512 |
| Average earning assets | $134,733,400 | 3,577 |
| Average equity | $16,740,600 | 3,586 |
| Average total loans | $103,873,800 | 3,316 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 885 |
| Cost of funding earning assets | 0.1840% | 5,233 |
| Net interest margin | 4.6222% | 486 |
| Noninterest income to average assets | 1.7291% | 421 |
| Noninterest expense to average assets | 5.1110% | 249 |
| Loan and lease loss provision to assets | 0.1136% | 2,034 |
| Net operating income to assets | 0.6494% | 4,085 |
| Return on assets (ROA) | 0.7301% | 3,827 |
| Pretax return on assets | 0.7301% | 4,531 |
| Return on Equity (ROE) | 6.5510% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.5510% | 1,878 |
| Net charge-offs to loans | 0.2845% | 802 |
| Credit loss provision to net charge-offs | 58.1818% | 2,930 |
| Earnings coverage of net charge-offs (x) | 3.9090% | 3,341 |
| Efficiency ratio | 87.0110% | 733 |
| Assets per employee ($millions) | 2.9163% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 4,223 |
| Loan loss allowance to noncurrent loans | 2,611.3636% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 5,007 |
| Noncurrent loans to loans | 0.0396% | 5,211 |
| Net loans and leases to total assets | 74.0101% | 1,868 |
| Net loans and leases to deposits | 88.9395% | 1,897 |
| Net loans and leases to core deposits | 95.6285% | 2,037 |
| Total domestic deposits to total assets | 83.2140% | 3,510 |
| Equity capital to assets | 11.4105% | 2,587 |
| Core capital (leverage) ratio | 11.3924% | 2,118 |
| Tier 1 risk-based capital ratio | 14.2554% | 3,430 |
| Total risk-based capital ratio | 15.2945% | 3,459 |
| Memoranda: | ||
| Average total assets | $150,285,750 | 3,533 |
| Average earning assets | $134,767,750 | 3,591 |
| Average equity | $16,750,250 | 3,613 |
| Average total loans | $103,100,000 | 3,342 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 961 |
| Cost of funding earning assets | 0.1930% | 5,210 |
| Net interest margin | 4.5553% | 545 |
| Noninterest income to average assets | 1.9482% | 345 |
| Noninterest expense to average assets | 5.0794% | 256 |
| Loan and lease loss provision to assets | 0.0570% | 2,996 |
| Net operating income to assets | 0.9124% | 2,800 |
| Return on assets (ROA) | 1.0331% | 2,370 |
| Pretax return on assets | 1.0331% | 3,465 |
| Return on Equity (ROE) | 9.3424% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.3424% | 760 |
| Net charge-offs to loans | 0.4881% | 449 |
| Credit loss provision to net charge-offs | 17.5510% | 2,947 |
| Earnings coverage of net charge-offs (x) | 2.9837% | 3,188 |
| Efficiency ratio | 83.9728% | 1,054 |
| Assets per employee ($millions) | 3.2475% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,266 |
| Loan loss allowance to noncurrent loans | 2,361.3636% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 5,053 |
| Noncurrent loans to loans | 0.0441% | 5,284 |
| Net loans and leases to total assets | 66.0316% | 3,079 |
| Net loans and leases to deposits | 79.5773% | 2,990 |
| Net loans and leases to core deposits | 85.8807% | 2,912 |
| Total domestic deposits to total assets | 82.9780% | 3,665 |
| Equity capital to assets | 11.4377% | 2,612 |
| Core capital (leverage) ratio | 10.6601% | 2,784 |
| Tier 1 risk-based capital ratio | 14.7017% | 3,203 |
| Total risk-based capital ratio | 15.6735% | 3,296 |
| Memoranda: | ||
| Average total assets | $150,804,000 | 3,550 |
| Average earning assets | $135,754,330 | 3,599 |
| Average equity | $16,676,670 | 3,631 |
| Average total loans | $100,391,670 | 3,402 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 828 |
| Cost of funding earning assets | 0.1861% | 5,316 |
| Net interest margin | 4.6244% | 476 |
| Noninterest income to average assets | 2.0777% | 323 |
| Noninterest expense to average assets | 5.1084% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1669% | 1,656 |
| Return on assets (ROA) | 1.1669% | 1,763 |
| Pretax return on assets | 1.1669% | 2,831 |
| Return on Equity (ROE) | 10.7334% | 1,703 |
| Retained earnings to average equity (ytd only) | 10.7334% | 705 |
| Net charge-offs to loans | 0.3414% | 652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.1395% | 2,358 |
| Efficiency ratio | 81.4051% | 1,434 |
| Assets per employee ($millions) | 3.2992% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,705 |
| Loan loss allowance to noncurrent loans | 175.2656% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 3,285 |
| Noncurrent loans to loans | 0.6628% | 3,186 |
| Net loans and leases to total assets | 64.7540% | 3,142 |
| Net loans and leases to deposits | 73.4360% | 3,507 |
| Net loans and leases to core deposits | 78.5278% | 3,443 |
| Total domestic deposits to total assets | 88.1775% | 1,543 |
| Equity capital to assets | 11.0285% | 2,906 |
| Core capital (leverage) ratio | 10.3029% | 3,193 |
| Tier 1 risk-based capital ratio | 14.6249% | 3,327 |
| Total risk-based capital ratio | 15.7232% | 3,343 |
| Memoranda: | ||
| Average total assets | $151,514,500 | 3,566 |
| Average earning assets | $137,530,500 | 3,590 |
| Average equity | $16,472,000 | 3,665 |
| Average total loans | $100,748,000 | 3,408 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 1,110 |
| Cost of funding earning assets | 0.1674% | 5,554 |
| Net interest margin | 4.5310% | 624 |
| Noninterest income to average assets | 1.3812% | 634 |
| Noninterest expense to average assets | 4.7599% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7350% | 3,648 |
| Return on assets (ROA) | 0.7350% | 3,741 |
| Pretax return on assets | 0.7350% | 4,420 |
| Return on Equity (ROE) | 6.8454% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.8454% | 1,350 |
| Net charge-offs to loans | 0.0159% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 70.6000% | 764 |
| Efficiency ratio | 86.6237% | 949 |
| Assets per employee ($millions) | 3.1528% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,397 |
| Loan loss allowance to noncurrent loans | 306.4198% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 4,311 |
| Noncurrent loans to loans | 0.3960% | 4,037 |
| Net loans and leases to total assets | 66.7620% | 2,879 |
| Net loans and leases to deposits | 76.2954% | 3,216 |
| Net loans and leases to core deposits | 82.8020% | 3,065 |
| Total domestic deposits to total assets | 87.5046% | 1,881 |
| Equity capital to assets | 10.6194% | 3,217 |
| Core capital (leverage) ratio | 10.2983% | 3,156 |
| Tier 1 risk-based capital ratio | 13.5328% | 3,990 |
| Total risk-based capital ratio | 14.6797% | 3,984 |
| Memoranda: | ||
| Average total assets | $144,079,600 | 3,663 |
| Average earning assets | $130,808,800 | 3,686 |
| Average equity | $15,470,200 | 3,764 |
| Average total loans | $94,463,200 | 3,491 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6299% | 1,260 |
| Cost of funding earning assets | 0.1506% | 5,768 |
| Net interest margin | 4.4792% | 681 |
| Noninterest income to average assets | 1.2933% | 719 |
| Noninterest expense to average assets | 4.7047% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6570% | 4,093 |
| Return on assets (ROA) | 0.6570% | 4,209 |
| Pretax return on assets | 0.6570% | 4,811 |
| Return on Equity (ROE) | 6.1008% | 4,109 |
| Retained earnings to average equity (ytd only) | 6.1008% | 2,182 |
| Net charge-offs to loans | 0.0014% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 702.7368% | 108 |
| Efficiency ratio | 87.7469% | 861 |
| Assets per employee ($millions) | 2.9924% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 3,069 |
| Loan loss allowance to noncurrent loans | 189.5770% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 3,736 |
| Noncurrent loans to loans | 0.6875% | 3,259 |
| Net loans and leases to total assets | 67.5723% | 2,757 |
| Net loans and leases to deposits | 76.9014% | 3,206 |
| Net loans and leases to core deposits | 85.4749% | 2,905 |
| Total domestic deposits to total assets | 87.8687% | 1,630 |
| Equity capital to assets | 11.1636% | 2,832 |
| Core capital (leverage) ratio | 10.0069% | 3,618 |
| Tier 1 risk-based capital ratio | 13.8450% | 3,941 |
| Total risk-based capital ratio | 15.0614% | 3,901 |
| Memoranda: | ||
| Average total assets | $142,265,500 | 3,714 |
| Average earning assets | $129,215,750 | 3,749 |
| Average equity | $15,320,000 | 3,820 |
| Average total loans | $92,510,000 | 3,566 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,369 |
| Cost of funding earning assets | 0.1462% | 5,876 |
| Net interest margin | 4.4166% | 741 |
| Noninterest income to average assets | 1.4537% | 603 |
| Noninterest expense to average assets | 4.7589% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7143% | 3,824 |
| Return on assets (ROA) | 0.7143% | 3,939 |
| Pretax return on assets | 0.7143% | 4,612 |
| Return on Equity (ROE) | 6.7136% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.7136% | 1,837 |
| Net charge-offs to loans | 0.0088% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 492 |
| Efficiency ratio | 86.9498% | 986 |
| Assets per employee ($millions) | 3.1276% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 3,311 |
| Loan loss allowance to noncurrent loans | 220.8113% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 4,133 |
| Noncurrent loans to loans | 0.5834% | 3,705 |
| Net loans and leases to total assets | 66.6836% | 2,838 |
| Net loans and leases to deposits | 75.3316% | 3,337 |
| Net loans and leases to core deposits | 81.8834% | 3,190 |
| Total domestic deposits to total assets | 88.5201% | 1,405 |
| Equity capital to assets | 10.6910% | 3,222 |
| Core capital (leverage) ratio | 9.8704% | 3,774 |
| Tier 1 risk-based capital ratio | 13.6495% | 4,128 |
| Total risk-based capital ratio | 14.8621% | 4,083 |
| Memoranda: | ||
| Average total assets | $142,805,670 | 3,739 |
| Average earning assets | $129,963,670 | 3,757 |
| Average equity | $15,193,000 | 3,856 |
| Average total loans | $91,249,330 | 3,610 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 1,969 |
| Cost of funding earning assets | 0.1449% | 5,964 |
| Net interest margin | 4.1952% | 1,069 |
| Noninterest income to average assets | 0.8631% | 1,519 |
| Noninterest expense to average assets | 4.5012% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1884% | 5,704 |
| Return on assets (ROA) | 0.1884% | 5,790 |
| Pretax return on assets | 0.1884% | 5,846 |
| Return on Equity (ROE) | 1.7750% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.7750% | 4,758 |
| Net charge-offs to loans | -0.0408% | 5,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9832% | 504 |
| Assets per employee ($millions) | 3.4436% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 3,283 |
| Loan loss allowance to noncurrent loans | 285.5530% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3575% | 4,578 |
| Noncurrent loans to loans | 0.4637% | 4,190 |
| Net loans and leases to total assets | 65.1827% | 2,902 |
| Net loans and leases to deposits | 73.6029% | 3,363 |
| Net loans and leases to core deposits | 76.6414% | 3,529 |
| Total domestic deposits to total assets | 88.5599% | 1,517 |
| Equity capital to assets | 10.4908% | 3,544 |
| Core capital (leverage) ratio | 9.5776% | 4,174 |
| Tier 1 risk-based capital ratio | 13.7044% | 4,218 |
| Total risk-based capital ratio | 14.9543% | 4,124 |
| Memoranda: | ||
| Average total assets | $142,274,000 | 3,772 |
| Average earning assets | $129,767,000 | 3,786 |
| Average equity | $15,099,000 | 3,897 |
| Average total loans | $88,279,500 | 3,691 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4271% | 2,136 |
| Cost of funding earning assets | 0.2279% | 5,539 |
| Net interest margin | 4.1992% | 1,302 |
| Noninterest income to average assets | 1.3672% | 655 |
| Noninterest expense to average assets | 4.9973% | 305 |
| Loan and lease loss provision to assets | -0.5802% | 6,457 |
| Net operating income to assets | 0.7878% | 3,436 |
| Return on assets (ROA) | 0.7982% | 3,480 |
| Pretax return on assets | 0.7982% | 4,266 |
| Return on Equity (ROE) | 7.3746% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.3746% | 1,239 |
| Net charge-offs to loans | -0.7205% | 6,429 |
| Credit loss provision to net charge-offs | 156.6265% | 1,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0126% | 507 |
| Assets per employee ($millions) | 3.4130% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 2,253 |
| Loan loss allowance to noncurrent loans | 810.3226% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 5,258 |
| Noncurrent loans to loans | 0.1913% | 5,138 |
| Net loans and leases to total assets | 57.0017% | 4,196 |
| Net loans and leases to deposits | 64.5233% | 4,474 |
| Net loans and leases to core deposits | 66.0437% | 4,666 |
| Total domestic deposits to total assets | 88.3428% | 1,599 |
| Equity capital to assets | 10.7639% | 3,165 |
| Core capital (leverage) ratio | 9.6871% | 3,987 |
| Tier 1 risk-based capital ratio | 16.1952% | 2,861 |
| Total risk-based capital ratio | 17.4489% | 2,801 |
| Memoranda: | ||
| Average total assets | $134,431,800 | 3,898 |
| Average earning assets | $122,858,000 | 3,905 |
| Average equity | $14,550,000 | 3,925 |
| Average total loans | $69,119,200 | 4,216 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 2,045 |
| Cost of funding earning assets | 0.2504% | 5,405 |
| Net interest margin | 4.2018% | 1,288 |
| Noninterest income to average assets | 1.3097% | 709 |
| Noninterest expense to average assets | 4.8900% | 333 |
| Loan and lease loss provision to assets | -0.4569% | 6,523 |
| Net operating income to assets | 0.7105% | 3,886 |
| Return on assets (ROA) | 0.7245% | 3,921 |
| Pretax return on assets | 0.7245% | 4,610 |
| Return on Equity (ROE) | 6.6841% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.6841% | 1,989 |
| Net charge-offs to loans | -0.9232% | 6,511 |
| Credit loss provision to net charge-offs | 99.5633% | 2,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0711% | 543 |
| Assets per employee ($millions) | 3.3135% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1053% | 1,086 |
| Loan loss allowance to noncurrent loans | 2,369.2308% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 5,514 |
| Noncurrent loans to loans | 0.0889% | 5,680 |
| Net loans and leases to total assets | 52.7107% | 4,732 |
| Net loans and leases to deposits | 60.1610% | 4,921 |
| Net loans and leases to core deposits | 61.9043% | 5,039 |
| Total domestic deposits to total assets | 87.6160% | 1,969 |
| Equity capital to assets | 11.4057% | 2,576 |
| Core capital (leverage) ratio | 9.7912% | 3,949 |
| Tier 1 risk-based capital ratio | 16.7720% | 2,699 |
| Total risk-based capital ratio | 18.0307% | 2,641 |
| Memoranda: | ||
| Average total assets | $133,057,000 | 3,953 |
| Average earning assets | $121,405,000 | 3,961 |
| Average equity | $14,422,000 | 3,977 |
| Average total loans | $66,144,250 | 4,328 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 2,801 |
| Cost of funding earning assets | 0.2794% | 5,193 |
| Net interest margin | 3.9619% | 1,928 |
| Noninterest income to average assets | 0.9521% | 1,324 |
| Noninterest expense to average assets | 4.8378% | 344 |
| Loan and lease loss provision to assets | -0.4995% | 6,593 |
| Net operating income to assets | 0.2195% | 5,780 |
| Return on assets (ROA) | 0.2694% | 5,740 |
| Pretax return on assets | 0.2694% | 5,839 |
| Return on Equity (ROE) | 2.5312% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.5312% | 4,586 |
| Net charge-offs to loans | -1.1409% | 6,581 |
| Credit loss provision to net charge-offs | 90.6593% | 2,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1441% | 293 |
| Assets per employee ($millions) | 3.2215% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2987% | 901 |
| Loan loss allowance to noncurrent loans | 2,278.2609% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 5,620 |
| Noncurrent loans to loans | 0.1009% | 5,714 |
| Net loans and leases to total assets | 50.5852% | 4,901 |
| Net loans and leases to deposits | 57.6256% | 5,074 |
| Net loans and leases to core deposits | 59.5719% | 5,158 |
| Total domestic deposits to total assets | 87.7826% | 2,047 |
| Equity capital to assets | 11.2241% | 2,677 |
| Core capital (leverage) ratio | 9.4592% | 4,385 |
| Tier 1 risk-based capital ratio | 16.8996% | 2,665 |
| Total risk-based capital ratio | 18.1611% | 2,625 |
| Memoranda: | ||
| Average total assets | $132,125,000 | 3,990 |
| Average earning assets | $120,246,330 | 4,002 |
| Average equity | $14,064,330 | 4,040 |
| Average total loans | $63,809,330 | 4,431 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2059% | 2,854 |
| Cost of funding earning assets | 0.2944% | 5,130 |
| Net interest margin | 3.9115% | 2,050 |
| Noninterest income to average assets | 0.9716% | 1,193 |
| Noninterest expense to average assets | 4.6191% | 404 |
| Loan and lease loss provision to assets | -0.3784% | 6,641 |
| Net operating income to assets | 0.2694% | 5,599 |
| Return on assets (ROA) | 0.2694% | 5,643 |
| Pretax return on assets | 0.2694% | 5,782 |
| Return on Equity (ROE) | 2.6016% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.6016% | 4,512 |
| Net charge-offs to loans | -1.5279% | 6,656 |
| Credit loss provision to net charge-offs | 53.1915% | 2,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4161% | 413 |
| Assets per employee ($millions) | 3.3772% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6892% | 636 |
| Loan loss allowance to noncurrent loans | 2,257.5342% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 5,711 |
| Noncurrent loans to loans | 0.1191% | 5,759 |
| Net loans and leases to total assets | 44.1450% | 5,494 |
| Net loans and leases to deposits | 49.8062% | 5,611 |
| Net loans and leases to core deposits | 53.6170% | 5,527 |
| Total domestic deposits to total assets | 88.6334% | 1,874 |
| Equity capital to assets | 10.3132% | 3,445 |
| Core capital (leverage) ratio | 9.3406% | 4,510 |
| Tier 1 risk-based capital ratio | 18.5616% | 2,103 |
| Total risk-based capital ratio | 19.8266% | 2,067 |
| Memoranda: | ||
| Average total assets | $132,146,500 | 4,030 |
| Average earning assets | $119,545,500 | 4,051 |
| Average equity | $13,684,000 | 4,110 |
| Average total loans | $61,521,000 | 4,531 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 4,484 |
| Cost of funding earning assets | 0.3991% | 4,663 |
| Net interest margin | 3.4949% | 3,933 |
| Noninterest income to average assets | 1.1426% | 1,077 |
| Noninterest expense to average assets | 4.1076% | 769 |
| Loan and lease loss provision to assets | -0.1475% | 6,540 |
| Net operating income to assets | 0.2453% | 5,703 |
| Return on assets (ROA) | 0.2555% | 5,746 |
| Pretax return on assets | 0.2555% | 5,837 |
| Return on Equity (ROE) | 2.5540% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.5540% | 4,431 |
| Net charge-offs to loans | -0.0309% | 6,232 |
| Credit loss provision to net charge-offs | 1,010.0000% | 249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6736% | 556 |
| Assets per employee ($millions) | 3.9153% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4903% | 835 |
| Loan loss allowance to noncurrent loans | 166.2703% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 3,653 |
| Noncurrent loans to loans | 1.4978% | 2,647 |
| Net loans and leases to total assets | 46.6092% | 5,435 |
| Net loans and leases to deposits | 52.6601% | 5,574 |
| Net loans and leases to core deposits | 56.4041% | 5,503 |
| Total domestic deposits to total assets | 88.5096% | 1,905 |
| Equity capital to assets | 10.3991% | 3,286 |
| Core capital (leverage) ratio | 9.2406% | 4,653 |
| Tier 1 risk-based capital ratio | 17.4107% | 2,450 |
| Total risk-based capital ratio | 18.6727% | 2,420 |
| Memoranda: | ||
| Average total assets | $136,966,800 | 3,935 |
| Average earning assets | $120,033,200 | 4,047 |
| Average equity | $13,704,000 | 4,124 |
| Average total loans | $64,810,600 | 4,449 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8262% | 4,745 |
| Cost of funding earning assets | 0.4205% | 4,607 |
| Net interest margin | 3.4057% | 4,262 |
| Noninterest income to average assets | 1.0760% | 1,267 |
| Noninterest expense to average assets | 4.0678% | 794 |
| Loan and lease loss provision to assets | -0.0979% | 6,630 |
| Net operating income to assets | 0.0681% | 6,193 |
| Return on assets (ROA) | 0.0816% | 6,223 |
| Pretax return on assets | 0.0816% | 6,224 |
| Return on Equity (ROE) | 0.8230% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.8230% | 5,651 |
| Net charge-offs to loans | 0.0305% | 4,523 |
| Credit loss provision to net charge-offs | -680.0000% | 6,119 |
| Earnings coverage of net charge-offs (x) | -2.0665% | 5,085 |
| Efficiency ratio | 100.7369% | 441 |
| Assets per employee ($millions) | 3.5347% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6017% | 831 |
| Loan loss allowance to noncurrent loans | 248.1424% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 4,328 |
| Noncurrent loans to loans | 1.0485% | 3,703 |
| Net loans and leases to total assets | 45.8848% | 5,557 |
| Net loans and leases to deposits | 51.6918% | 5,732 |
| Net loans and leases to core deposits | 55.9440% | 5,628 |
| Total domestic deposits to total assets | 88.7662% | 1,684 |
| Equity capital to assets | 10.0700% | 3,805 |
| Core capital (leverage) ratio | 8.9544% | 5,195 |
| Tier 1 risk-based capital ratio | 17.6441% | 2,462 |
| Total risk-based capital ratio | 18.9083% | 2,423 |
| Memoranda: | ||
| Average total assets | $138,907,500 | 3,936 |
| Average earning assets | $120,813,500 | 4,084 |
| Average equity | $13,771,000 | 4,159 |
| Average total loans | $65,573,500 | 4,464 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,865 |
| Cost of funding earning assets | 0.4531% | 4,400 |
| Net interest margin | 3.3355% | 4,432 |
| Noninterest income to average assets | 1.0875% | 1,295 |
| Noninterest expense to average assets | 4.0236% | 838 |
| Loan and lease loss provision to assets | 0.1384% | 2,599 |
| Net operating income to assets | -0.2048% | 6,491 |
| Return on assets (ROA) | -0.2048% | 6,526 |
| Pretax return on assets | -0.2048% | 6,499 |
| Return on Equity (ROE) | -2.0757% | 6,529 |
| Retained earnings to average equity (ytd only) | -2.0757% | 6,201 |
| Net charge-offs to loans | 2.0211% | 224 |
| Credit loss provision to net charge-offs | 14.4970% | 3,834 |
| Earnings coverage of net charge-offs (x) | -0.0695% | 4,573 |
| Efficiency ratio | 101.6774% | 438 |
| Assets per employee ($millions) | 3.8931% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 2,214 |
| Loan loss allowance to noncurrent loans | 99.5641% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 3,652 |
| Noncurrent loans to loans | 1.8735% | 2,526 |
| Net loans and leases to total assets | 44.0936% | 5,733 |
| Net loans and leases to deposits | 49.4555% | 5,886 |
| Net loans and leases to core deposits | 53.5624% | 5,784 |
| Total domestic deposits to total assets | 89.1581% | 1,531 |
| Equity capital to assets | 9.7110% | 4,294 |
| Core capital (leverage) ratio | 7.8623% | 6,272 |
| Tier 1 risk-based capital ratio | 17.5245% | 2,505 |
| Total risk-based capital ratio | 18.7808% | 2,469 |
| Memoranda: | ||
| Average total assets | $141,615,330 | 3,917 |
| Average earning assets | $121,840,330 | 4,085 |
| Average equity | $13,971,330 | 4,153 |
| Average total loans | $66,893,670 | 4,430 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 4,810 |
| Cost of funding earning assets | 0.4876% | 4,200 |
| Net interest margin | 3.3176% | 4,456 |
| Noninterest income to average assets | 0.9203% | 1,688 |
| Noninterest expense to average assets | 3.8671% | 1,038 |
| Loan and lease loss provision to assets | 0.2772% | 1,268 |
| Net operating income to assets | -0.4325% | 6,648 |
| Return on assets (ROA) | -0.4325% | 6,679 |
| Pretax return on assets | -0.4325% | 6,654 |
| Return on Equity (ROE) | -4.3512% | 6,671 |
| Retained earnings to average equity (ytd only) | -4.3512% | 6,312 |
| Net charge-offs to loans | 0.5622% | 1,084 |
| Credit loss provision to net charge-offs | 102.0408% | 1,798 |
| Earnings coverage of net charge-offs (x) | -0.5714% | 3,932 |
| Efficiency ratio | 104.1822% | 437 |
| Assets per employee ($millions) | 3.7389% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6487% | 970 |
| Loan loss allowance to noncurrent loans | 500.5814% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 5,253 |
| Noncurrent loans to loans | 0.5291% | 5,118 |
| Net loans and leases to total assets | 40.3034% | 5,975 |
| Net loans and leases to deposits | 44.7912% | 6,135 |
| Net loans and leases to core deposits | 48.5092% | 6,066 |
| Total domestic deposits to total assets | 89.9805% | 1,067 |
| Equity capital to assets | 9.0031% | 5,477 |
| Core capital (leverage) ratio | 8.3830% | 5,731 |
| Tier 1 risk-based capital ratio | 15.9894% | 3,278 |
| Total risk-based capital ratio | 17.2533% | 3,226 |
| Memoranda: | ||
| Average total assets | $144,294,000 | 3,907 |
| Average earning assets | $121,413,000 | 4,127 |
| Average equity | $14,341,000 | 4,128 |
| Average total loans | $69,729,000 | 4,353 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 3,042 |
| Cost of funding earning assets | 0.5762% | 4,576 |
| Net interest margin | 4.0136% | 2,345 |
| Noninterest income to average assets | 1.4999% | 701 |
| Noninterest expense to average assets | 5.0615% | 359 |
| Loan and lease loss provision to assets | -0.2659% | 7,002 |
| Net operating income to assets | 0.2973% | 5,477 |
| Return on assets (ROA) | 0.3492% | 5,518 |
| Pretax return on assets | 0.3492% | 5,718 |
| Return on Equity (ROE) | 3.3116% | 5,424 |
| Retained earnings to average equity (ytd only) | 3.3116% | 3,896 |
| Net charge-offs to loans | -0.5003% | 7,002 |
| Credit loss provision to net charge-offs | 95.2880% | 3,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3832% | 585 |
| Assets per employee ($millions) | 2.9234% | 6,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3117% | 1,348 |
| Loan loss allowance to noncurrent loans | 276.6881% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7693% | 4,539 |
| Noncurrent loans to loans | 0.8355% | 4,523 |
| Net loans and leases to total assets | 55.2815% | 4,409 |
| Net loans and leases to deposits | 63.0680% | 4,655 |
| Net loans and leases to core deposits | 69.9709% | 4,321 |
| Total domestic deposits to total assets | 87.6537% | 2,444 |
| Equity capital to assets | 11.0555% | 2,887 |
| Core capital (leverage) ratio | 8.9725% | 4,942 |
| Tier 1 risk-based capital ratio | 14.4057% | 4,090 |
| Total risk-based capital ratio | 15.6662% | 4,040 |
| Memoranda: | ||
| Average total assets | $136,875,800 | 4,009 |
| Average earning assets | $122,532,600 | 4,055 |
| Average equity | $14,434,000 | 4,077 |
| Average total loans | $76,359,600 | 4,141 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 3,062 |
| Cost of funding earning assets | 0.5929% | 4,721 |
| Net interest margin | 4.0459% | 2,308 |
| Noninterest income to average assets | 1.6063% | 575 |
| Noninterest expense to average assets | 4.8091% | 422 |
| Loan and lease loss provision to assets | -0.3589% | 7,131 |
| Net operating income to assets | 0.7901% | 3,500 |
| Return on assets (ROA) | 0.8692% | 3,378 |
| Pretax return on assets | 0.8692% | 4,226 |
| Return on Equity (ROE) | 8.3386% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.3386% | 1,470 |
| Net charge-offs to loans | -0.4477% | 7,091 |
| Credit loss provision to net charge-offs | 144.1860% | 1,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7710% | 899 |
| Assets per employee ($millions) | 2.6935% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 1,829 |
| Loan loss allowance to noncurrent loans | 185.0816% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9111% | 4,455 |
| Noncurrent loans to loans | 1.1567% | 4,126 |
| Net loans and leases to total assets | 56.1459% | 4,427 |
| Net loans and leases to deposits | 64.3150% | 4,676 |
| Net loans and leases to core deposits | 71.6170% | 4,302 |
| Total domestic deposits to total assets | 87.2983% | 2,503 |
| Equity capital to assets | 11.7751% | 2,457 |
| Core capital (leverage) ratio | 9.4576% | 4,336 |
| Tier 1 risk-based capital ratio | 15.4656% | 3,563 |
| Total risk-based capital ratio | 16.7254% | 3,514 |
| Memoranda: | ||
| Average total assets | $138,206,250 | 4,019 |
| Average earning assets | $124,139,250 | 4,060 |
| Average equity | $14,406,500 | 4,121 |
| Average total loans | $76,838,000 | 4,172 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 3,421 |
| Cost of funding earning assets | 0.6196% | 4,725 |
| Net interest margin | 3.9686% | 2,639 |
| Noninterest income to average assets | 1.8714% | 438 |
| Noninterest expense to average assets | 4.6764% | 464 |
| Loan and lease loss provision to assets | -0.3088% | 7,178 |
| Net operating income to assets | 1.0696% | 2,164 |
| Return on assets (ROA) | 1.1857% | 1,961 |
| Pretax return on assets | 1.1857% | 2,994 |
| Return on Equity (ROE) | 11.8438% | 1,719 |
| Retained earnings to average equity (ytd only) | 11.8438% | 611 |
| Net charge-offs to loans | -0.7205% | 7,167 |
| Credit loss provision to net charge-offs | 77.8571% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0083% | 1,435 |
| Assets per employee ($millions) | 2.7333% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2948% | 1,600 |
| Loan loss allowance to noncurrent loans | 154.7368% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1067% | 4,171 |
| Noncurrent loans to loans | 1.4830% | 3,686 |
| Net loans and leases to total assets | 57.2479% | 4,291 |
| Net loans and leases to deposits | 65.3929% | 4,587 |
| Net loans and leases to core deposits | 72.6668% | 4,219 |
| Total domestic deposits to total assets | 87.5446% | 2,438 |
| Equity capital to assets | 11.5171% | 2,574 |
| Core capital (leverage) ratio | 8.9585% | 4,970 |
| Tier 1 risk-based capital ratio | 14.8366% | 3,873 |
| Total risk-based capital ratio | 16.0975% | 3,820 |
| Memoranda: | ||
| Average total assets | $141,178,330 | 3,987 |
| Average earning assets | $126,846,000 | 4,016 |
| Average equity | $14,134,000 | 4,174 |
| Average total loans | $77,724,330 | 4,162 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 3,754 |
| Cost of funding earning assets | 0.6434% | 4,792 |
| Net interest margin | 3.8967% | 2,940 |
| Noninterest income to average assets | 2.6244% | 283 |
| Noninterest expense to average assets | 4.7944% | 421 |
| Loan and lease loss provision to assets | -0.6157% | 7,266 |
| Net operating income to assets | 1.9429% | 467 |
| Return on assets (ROA) | 2.1673% | 365 |
| Pretax return on assets | 2.1673% | 570 |
| Return on Equity (ROE) | 23.2156% | 238 |
| Retained earnings to average equity (ytd only) | 23.2156% | 120 |
| Net charge-offs to loans | -0.7319% | 7,186 |
| Credit loss provision to net charge-offs | 157.3427% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3192% | 2,452 |
| Assets per employee ($millions) | 2.7225% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1886% | 1,903 |
| Loan loss allowance to noncurrent loans | 369.8630% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 5,538 |
| Noncurrent loans to loans | 0.5917% | 5,478 |
| Net loans and leases to total assets | 52.1426% | 5,000 |
| Net loans and leases to deposits | 59.0067% | 5,279 |
| Net loans and leases to core deposits | 65.3211% | 4,984 |
| Total domestic deposits to total assets | 88.3673% | 2,090 |
| Equity capital to assets | 10.6727% | 3,297 |
| Core capital (leverage) ratio | 8.2697% | 5,925 |
| Tier 1 risk-based capital ratio | 14.2526% | 4,274 |
| Total risk-based capital ratio | 15.5108% | 4,245 |
| Memoranda: | ||
| Average total assets | $146,169,500 | 3,937 |
| Average earning assets | $131,187,000 | 3,964 |
| Average equity | $13,646,000 | 4,270 |
| Average total loans | $78,151,000 | 4,174 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9316% | 3,198 |
| Cost of funding earning assets | 0.9877% | 3,464 |
| Net interest margin | 3.9439% | 3,139 |
| Noninterest income to average assets | 1.1680% | 965 |
| Noninterest expense to average assets | 5.8318% | 229 |
| Loan and lease loss provision to assets | 0.2067% | 4,118 |
| Net operating income to assets | -1.3349% | 6,867 |
| Return on assets (ROA) | -1.3083% | 6,879 |
| Pretax return on assets | -1.3083% | 6,845 |
| Return on Equity (ROE) | -16.1228% | 6,911 |
| Retained earnings to average equity (ytd only) | -16.1228% | 6,890 |
| Net charge-offs to loans | 0.9908% | 1,754 |
| Credit loss provision to net charge-offs | 35.2371% | 5,707 |
| Earnings coverage of net charge-offs (x) | -1.9235% | 6,275 |
| Efficiency ratio | 123.9855% | 276 |
| Assets per employee ($millions) | 2.8960% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 2,087 |
| Loan loss allowance to noncurrent loans | 214.3577% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 4,880 |
| Noncurrent loans to loans | 0.9650% | 4,777 |
| Net loans and leases to total assets | 52.4989% | 5,235 |
| Net loans and leases to deposits | 57.7647% | 5,718 |
| Net loans and leases to core deposits | 66.8636% | 5,167 |
| Total domestic deposits to total assets | 90.8840% | 549 |
| Equity capital to assets | 8.1263% | 6,495 |
| Core capital (leverage) ratio | 6.1976% | 7,030 |
| Tier 1 risk-based capital ratio | 10.1611% | 6,812 |
| Total risk-based capital ratio | 11.4183% | 6,793 |
| Memoranda: | ||
| Average total assets | $158,217,600 | 3,652 |
| Average earning assets | $141,840,200 | 3,712 |
| Average equity | $12,839,000 | 4,366 |
| Average total loans | $93,659,200 | 3,771 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 3,189 |
| Cost of funding earning assets | 1.0161% | 3,562 |
| Net interest margin | 3.9637% | 3,082 |
| Noninterest income to average assets | 1.2296% | 868 |
| Noninterest expense to average assets | 5.4788% | 263 |
| Loan and lease loss provision to assets | 0.2141% | 3,881 |
| Net operating income to assets | -0.9134% | 6,849 |
| Return on assets (ROA) | -0.9134% | 6,885 |
| Pretax return on assets | -0.9134% | 6,838 |
| Return on Equity (ROE) | -11.2599% | 6,928 |
| Retained earnings to average equity (ytd only) | -11.2599% | 6,895 |
| Net charge-offs to loans | 0.8842% | 1,806 |
| Credit loss provision to net charge-offs | 40.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | -1.3063% | 5,966 |
| Efficiency ratio | 114.6307% | 366 |
| Assets per employee ($millions) | 3.0151% | 6,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1904% | 1,884 |
| Loan loss allowance to noncurrent loans | 247.9328% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 5,122 |
| Noncurrent loans to loans | 0.8835% | 5,092 |
| Net loans and leases to total assets | 52.6306% | 5,369 |
| Net loans and leases to deposits | 57.8795% | 5,851 |
| Net loans and leases to core deposits | 67.5794% | 5,226 |
| Total domestic deposits to total assets | 90.9314% | 452 |
| Equity capital to assets | 8.1811% | 6,576 |
| Core capital (leverage) ratio | 6.6267% | 7,048 |
| Tier 1 risk-based capital ratio | 10.8459% | 6,636 |
| Total risk-based capital ratio | 12.1047% | 6,608 |
| Memoranda: | ||
| Average total assets | $159,399,750 | 3,663 |
| Average earning assets | $142,758,250 | 3,722 |
| Average equity | $12,930,500 | 4,365 |
| Average total loans | $96,503,500 | 3,738 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0304% | 3,011 |
| Cost of funding earning assets | 0.9601% | 4,249 |
| Net interest margin | 4.0703% | 2,533 |
| Noninterest income to average assets | 1.1336% | 1,006 |
| Noninterest expense to average assets | 5.7613% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.0059% | 6,944 |
| Return on assets (ROA) | -1.0186% | 6,955 |
| Pretax return on assets | -1.0186% | 6,900 |
| Return on Equity (ROE) | -12.5931% | 6,999 |
| Retained earnings to average equity (ytd only) | -12.5931% | 6,959 |
| Net charge-offs to loans | 0.1970% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -8.1224% | 5,819 |
| Efficiency ratio | 121.1533% | 335 |
| Assets per employee ($millions) | 2.8876% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3746% | 1,635 |
| Loan loss allowance to noncurrent loans | 117.6628% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 2.7314% | 2,447 |
| Noncurrent loans to loans | 2.0182% | 3,455 |
| Net loans and leases to total assets | 58.1371% | 4,597 |
| Net loans and leases to deposits | 64.0293% | 5,266 |
| Net loans and leases to core deposits | 75.4453% | 4,382 |
| Total domestic deposits to total assets | 90.7977% | 591 |
| Equity capital to assets | 8.2403% | 6,479 |
| Core capital (leverage) ratio | 7.0757% | 6,966 |
| Tier 1 risk-based capital ratio | 10.6917% | 6,718 |
| Total risk-based capital ratio | 11.9532% | 6,695 |
| Memoranda: | ||
| Average total assets | $158,261,670 | 3,711 |
| Average earning assets | $140,824,000 | 3,780 |
| Average equity | $12,800,670 | 4,386 |
| Average total loans | $99,468,330 | 3,701 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 2,303 |
| Cost of funding earning assets | 0.9615% | 4,486 |
| Net interest margin | 4.2181% | 1,839 |
| Noninterest income to average assets | 1.0814% | 1,125 |
| Noninterest expense to average assets | 5.3591% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.5244% | 6,817 |
| Return on assets (ROA) | -0.5495% | 6,837 |
| Pretax return on assets | -0.5495% | 6,778 |
| Return on Equity (ROE) | -6.8563% | 6,911 |
| Retained earnings to average equity (ytd only) | -6.8563% | 6,669 |
| Net charge-offs to loans | 0.0117% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -69.6667% | 5,095 |
| Efficiency ratio | 110.8459% | 484 |
| Assets per employee ($millions) | 2.4344% | 7,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3885% | 1,619 |
| Loan loss allowance to noncurrent loans | 184.5907% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 2.1692% | 3,106 |
| Noncurrent loans to loans | 1.2940% | 4,537 |
| Net loans and leases to total assets | 57.6280% | 4,701 |
| Net loans and leases to deposits | 63.3555% | 5,341 |
| Net loans and leases to core deposits | 70.8515% | 4,944 |
| Total domestic deposits to total assets | 90.9597% | 647 |
| Equity capital to assets | 8.0133% | 6,485 |
| Core capital (leverage) ratio | 7.0692% | 6,976 |
| Tier 1 risk-based capital ratio | 10.7853% | 6,646 |
| Total risk-based capital ratio | 12.0463% | 6,619 |
| Memoranda: | ||
| Average total assets | $159,428,500 | 3,717 |
| Average earning assets | $141,863,500 | 3,791 |
| Average equity | $12,776,500 | 4,390 |
| Average total loans | $102,774,000 | 3,647 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6890% | 1,609 |
| Cost of funding earning assets | 1.0039% | 5,665 |
| Net interest margin | 4.6851% | 844 |
| Noninterest income to average assets | 1.1657% | 1,085 |
| Noninterest expense to average assets | 4.9182% | 450 |
| Loan and lease loss provision to assets | 3.0561% | 303 |
| Net operating income to assets | -2.6970% | 7,227 |
| Return on assets (ROA) | -2.5809% | 7,221 |
| Pretax return on assets | -2.5809% | 7,191 |
| Return on Equity (ROE) | -26.3334% | 7,162 |
| Retained earnings to average equity (ytd only) | -26.3334% | 7,146 |
| Net charge-offs to loans | 3.2768% | 473 |
| Credit loss provision to net charge-offs | 133.5014% | 2,924 |
| Earnings coverage of net charge-offs (x) | 0.1569% | 5,954 |
| Efficiency ratio | 93.1956% | 1,106 |
| Assets per employee ($millions) | 2.2251% | 7,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1079% | 2,055 |
| Loan loss allowance to noncurrent loans | 93.7322% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 2.5226% | 2,750 |
| Noncurrent loans to loans | 2.2489% | 3,275 |
| Net loans and leases to total assets | 68.6673% | 2,819 |
| Net loans and leases to deposits | 75.6053% | 3,903 |
| Net loans and leases to core deposits | 86.9670% | 3,189 |
| Total domestic deposits to total assets | 90.8233% | 681 |
| Equity capital to assets | 8.0146% | 6,484 |
| Core capital (leverage) ratio | 7.0194% | 7,016 |
| Tier 1 risk-based capital ratio | 9.7394% | 7,069 |
| Total risk-based capital ratio | 10.9987% | 7,069 |
| Memoranda: | ||
| Average total assets | $155,952,000 | 3,775 |
| Average earning assets | $136,859,800 | 3,878 |
| Average equity | $15,284,800 | 3,888 |
| Average total loans | $108,949,000 | 3,571 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5549% | 2,235 |
| Cost of funding earning assets | 1.0122% | 5,883 |
| Net interest margin | 4.5427% | 1,162 |
| Noninterest income to average assets | 1.1752% | 1,006 |
| Noninterest expense to average assets | 4.2691% | 763 |
| Loan and lease loss provision to assets | 1.6777% | 762 |
| Net operating income to assets | -0.8017% | 6,795 |
| Return on assets (ROA) | -0.6470% | 6,743 |
| Pretax return on assets | -0.6470% | 6,648 |
| Return on Equity (ROE) | -6.3140% | 6,746 |
| Retained earnings to average equity (ytd only) | -6.3140% | 6,666 |
| Net charge-offs to loans | 0.6246% | 2,876 |
| Credit loss provision to net charge-offs | 384.9020% | 808 |
| Earnings coverage of net charge-offs (x) | 2.0098% | 4,210 |
| Efficiency ratio | 82.9734% | 1,950 |
| Assets per employee ($millions) | 2.5243% | 7,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2369% | 1,729 |
| Loan loss allowance to noncurrent loans | 48.3469% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 3.5059% | 2,035 |
| Noncurrent loans to loans | 4.6268% | 1,541 |
| Net loans and leases to total assets | 69.2276% | 2,921 |
| Net loans and leases to deposits | 77.4102% | 3,938 |
| Net loans and leases to core deposits | 88.6507% | 3,293 |
| Total domestic deposits to total assets | 89.4295% | 1,159 |
| Equity capital to assets | 9.7509% | 4,471 |
| Core capital (leverage) ratio | 8.8527% | 4,920 |
| Tier 1 risk-based capital ratio | 11.1887% | 6,205 |
| Total risk-based capital ratio | 12.4490% | 6,188 |
| Memoranda: | ||
| Average total assets | $156,001,500 | 3,828 |
| Average earning assets | $136,333,750 | 3,936 |
| Average equity | $15,985,250 | 3,811 |
| Average total loans | $108,872,500 | 3,625 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6479% | 1,951 |
| Cost of funding earning assets | 0.9998% | 6,142 |
| Net interest margin | 4.6481% | 895 |
| Noninterest income to average assets | 1.1223% | 1,039 |
| Noninterest expense to average assets | 4.1933% | 820 |
| Loan and lease loss provision to assets | 0.3970% | 3,339 |
| Net operating income to assets | 0.6215% | 3,774 |
| Return on assets (ROA) | 0.6331% | 3,856 |
| Pretax return on assets | 0.6331% | 4,462 |
| Return on Equity (ROE) | 6.0762% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.0762% | 2,291 |
| Net charge-offs to loans | 0.4167% | 3,328 |
| Credit loss provision to net charge-offs | 137.2197% | 2,922 |
| Earnings coverage of net charge-offs (x) | 3.5202% | 3,294 |
| Efficiency ratio | 80.4581% | 2,377 |
| Assets per employee ($millions) | 2.5832% | 6,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 5,871 |
| Loan loss allowance to noncurrent loans | 31.3819% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 2.6876% | 2,691 |
| Noncurrent loans to loans | 3.5519% | 2,222 |
| Net loans and leases to total assets | 66.9973% | 3,621 |
| Net loans and leases to deposits | 75.6472% | 4,393 |
| Net loans and leases to core deposits | 87.7382% | 3,582 |
| Total domestic deposits to total assets | 88.5654% | 1,692 |
| Equity capital to assets | 10.7016% | 3,173 |
| Core capital (leverage) ratio | 8.8648% | 4,811 |
| Tier 1 risk-based capital ratio | 11.9281% | 5,376 |
| Total risk-based capital ratio | 12.9602% | 5,536 |
| Memoranda: | ||
| Average total assets | $154,150,670 | 3,883 |
| Average earning assets | $135,625,000 | 3,987 |
| Average equity | $16,062,670 | 3,789 |
| Average total loans | $107,030,330 | 3,693 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5864% | 2,207 |
| Cost of funding earning assets | 1.0054% | 6,346 |
| Net interest margin | 4.5811% | 989 |
| Noninterest income to average assets | 1.1598% | 919 |
| Noninterest expense to average assets | 4.1171% | 888 |
| Loan and lease loss provision to assets | 0.3726% | 3,133 |
| Net operating income to assets | 0.6875% | 3,492 |
| Return on assets (ROA) | 0.6875% | 3,612 |
| Pretax return on assets | 0.6875% | 4,280 |
| Return on Equity (ROE) | 6.6911% | 3,522 |
| Retained earnings to average equity (ytd only) | 6.6911% | 2,282 |
| Net charge-offs to loans | 0.1530% | 4,014 |
| Credit loss provision to net charge-offs | 346.3415% | 1,165 |
| Earnings coverage of net charge-offs (x) | 9.8537% | 1,800 |
| Efficiency ratio | 79.5236% | 2,644 |
| Assets per employee ($millions) | 2.6935% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,779 |
| Loan loss allowance to noncurrent loans | 57.8821% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.3742% | 3,055 |
| Noncurrent loans to loans | 1.9858% | 3,805 |
| Net loans and leases to total assets | 66.5002% | 3,749 |
| Net loans and leases to deposits | 74.6697% | 4,649 |
| Net loans and leases to core deposits | 86.3905% | 3,837 |
| Total domestic deposits to total assets | 89.0592% | 1,489 |
| Equity capital to assets | 10.1253% | 3,710 |
| Core capital (leverage) ratio | 9.0602% | 4,455 |
| Tier 1 risk-based capital ratio | 11.8918% | 5,306 |
| Total risk-based capital ratio | 12.9537% | 5,442 |
| Memoranda: | ||
| Average total assets | $152,438,500 | 3,975 |
| Average earning assets | $133,681,000 | 4,083 |
| Average equity | $15,662,500 | 3,890 |
| Average total loans | $107,165,000 | 3,751 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0131% | 1,816 |
| Cost of funding earning assets | 1.1644% | 6,784 |
| Net interest margin | 4.8487% | 620 |
| Noninterest income to average assets | 1.2908% | 902 |
| Noninterest expense to average assets | 4.3524% | 930 |
| Loan and lease loss provision to assets | 0.5647% | 3,552 |
| Net operating income to assets | 0.6302% | 3,218 |
| Return on assets (ROA) | 0.7501% | 2,811 |
| Pretax return on assets | 0.7501% | 3,407 |
| Return on Equity (ROE) | 7.5577% | 2,562 |
| Retained earnings to average equity (ytd only) | 5.1426% | 1,744 |
| Net charge-offs to loans | 0.5250% | 3,682 |
| Credit loss provision to net charge-offs | 148.0591% | 3,167 |
| Earnings coverage of net charge-offs (x) | 3.1331% | 3,496 |
| Efficiency ratio | 78.4598% | 3,122 |
| Assets per employee ($millions) | 1.9058% | 7,780 |
| Cash dividends to net income (ytd only)* | 31.9549% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 6,298 |
| Loan loss allowance to noncurrent loans | 75.9780% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 2.0961% | 3,282 |
| Noncurrent loans to loans | 1.3338% | 4,692 |
| Net loans and leases to total assets | 72.7369% | 2,569 |
| Net loans and leases to deposits | 81.9163% | 3,631 |
| Net loans and leases to core deposits | 105.9300% | 3,347 |
| Total domestic deposits to total assets | 88.7942% | 1,577 |
| Equity capital to assets | 10.4315% | 3,258 |
| Core capital (leverage) ratio | 9.2922% | 3,989 |
| Tier 1 risk-based capital ratio | 11.5987% | 5,295 |
| Total risk-based capital ratio | 12.5667% | 5,539 |
| Memoranda: | ||
| Average total assets | $141,853,800 | 4,081 |
| Average earning assets | $124,527,800 | 4,203 |
| Average equity | $14,078,400 | 4,231 |
| Average total loans | $103,057,400 | 3,870 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9620% | 2,187 |
| Cost of funding earning assets | 1.1861% | 6,929 |
| Net interest margin | 4.7759% | 720 |
| Noninterest income to average assets | 1.3299% | 869 |
| Noninterest expense to average assets | 4.3456% | 858 |
| Loan and lease loss provision to assets | 0.3938% | 3,951 |
| Net operating income to assets | 0.7734% | 2,922 |
| Return on assets (ROA) | 0.8486% | 2,691 |
| Pretax return on assets | 0.8486% | 3,383 |
| Return on Equity (ROE) | 8.6676% | 2,390 |
| Retained earnings to average equity (ytd only) | 5.3638% | 2,275 |
| Net charge-offs to loans | 0.2784% | 4,295 |
| Credit loss provision to net charge-offs | 195.2830% | 2,307 |
| Earnings coverage of net charge-offs (x) | 5.7877% | 2,732 |
| Efficiency ratio | 78.8266% | 3,025 |
| Assets per employee ($millions) | 1.7407% | 7,923 |
| Cash dividends to net income (ytd only)* | 38.1165% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 6,329 |
| Loan loss allowance to noncurrent loans | 63.2690% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 2.3597% | 2,916 |
| Noncurrent loans to loans | 1.5722% | 4,281 |
| Net loans and leases to total assets | 74.9767% | 2,252 |
| Net loans and leases to deposits | 84.2816% | 3,603 |
| Net loans and leases to core deposits | 98.7496% | 4,517 |
| Total domestic deposits to total assets | 88.9597% | 1,214 |
| Equity capital to assets | 10.0773% | 3,988 |
| Core capital (leverage) ratio | 8.5955% | 5,309 |
| Tier 1 risk-based capital ratio | 10.5876% | 6,361 |
| Total risk-based capital ratio | 11.5421% | 6,635 |
| Memoranda: | ||
| Average total assets | $140,153,500 | 4,133 |
| Average earning assets | $122,753,000 | 4,281 |
| Average equity | $13,721,250 | 4,356 |
| Average total loans | $101,513,250 | 3,947 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9115% | 2,535 |
| Cost of funding earning assets | 1.1943% | 7,120 |
| Net interest margin | 4.7172% | 777 |
| Noninterest income to average assets | 1.1349% | 1,220 |
| Noninterest expense to average assets | 4.2406% | 1,021 |
| Loan and lease loss provision to assets | 0.3759% | 3,673 |
| Net operating income to assets | 0.6522% | 3,458 |
| Return on assets (ROA) | 0.6522% | 3,566 |
| Pretax return on assets | 0.6522% | 4,157 |
| Return on Equity (ROE) | 6.7267% | 3,319 |
| Retained earnings to average equity (ytd only) | 4.6705% | 2,701 |
| Net charge-offs to loans | 0.2794% | 3,800 |
| Credit loss provision to net charge-offs | 188.5714% | 2,420 |
| Earnings coverage of net charge-offs (x) | 5.1571% | 2,901 |
| Efficiency ratio | 80.4865% | 2,965 |
| Assets per employee ($millions) | 1.7875% | 7,977 |
| Cash dividends to net income (ytd only)* | 30.5677% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 6,403 |
| Loan loss allowance to noncurrent loans | 57.1176% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 3.5857% | 1,729 |
| Noncurrent loans to loans | 1.7115% | 3,944 |
| Net loans and leases to total assets | 72.4042% | 3,114 |
| Net loans and leases to deposits | 81.4250% | 4,312 |
| Net loans and leases to core deposits | 94.7673% | 5,031 |
| Total domestic deposits to total assets | 88.9214% | 1,304 |
| Equity capital to assets | 10.1762% | 3,747 |
| Core capital (leverage) ratio | 8.2190% | 5,950 |
| Tier 1 risk-based capital ratio | 10.6930% | 6,192 |
| Total risk-based capital ratio | 11.6035% | 6,467 |
| Memoranda: | ||
| Average total assets | $140,453,330 | 4,163 |
| Average earning assets | $123,081,670 | 4,289 |
| Average equity | $13,617,330 | 4,391 |
| Average total loans | $100,198,670 | 4,010 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9300% | 2,650 |
| Cost of funding earning assets | 1.1969% | 7,303 |
| Net interest margin | 4.7332% | 716 |
| Noninterest income to average assets | 1.1096% | 1,205 |
| Noninterest expense to average assets | 4.0012% | 1,187 |
| Loan and lease loss provision to assets | 0.3530% | 3,198 |
| Net operating income to assets | 0.9106% | 2,658 |
| Return on assets (ROA) | 0.9106% | 2,805 |
| Pretax return on assets | 0.9106% | 3,679 |
| Return on Equity (ROE) | 9.6197% | 2,488 |
| Retained earnings to average equity (ytd only) | 9.6197% | 1,308 |
| Net charge-offs to loans | 0.3498% | 2,685 |
| Credit loss provision to net charge-offs | 143.1818% | 2,865 |
| Earnings coverage of net charge-offs (x) | 5.1250% | 2,740 |
| Efficiency ratio | 75.9979% | 3,497 |
| Assets per employee ($millions) | 1.8115% | 8,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 6,771 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 3.3946% | 1,601 |
| Noncurrent loans to loans | 2.6887% | 2,445 |
| Net loans and leases to total assets | 68.3835% | 4,050 |
| Net loans and leases to deposits | 76.3350% | 5,173 |
| Net loans and leases to core deposits | 88.8848% | 5,659 |
| Total domestic deposits to total assets | 89.5835% | 979 |
| Equity capital to assets | 9.6088% | 4,513 |
| Core capital (leverage) ratio | 7.9976% | 6,447 |
| Tier 1 risk-based capital ratio | 10.7638% | 6,126 |
| Total risk-based capital ratio | 11.5987% | 6,461 |
| Memoranda: | ||
| Average total assets | $142,756,500 | 4,133 |
| Average earning assets | $125,328,500 | 4,261 |
| Average equity | $13,514,000 | 4,440 |
| Average total loans | $100,633,000 | 4,017 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8745% | 1,480 |
| Cost of funding earning assets | 1.6973% | 7,262 |
| Net interest margin | 5.1772% | 354 |
| Noninterest income to average assets | 1.3697% | 769 |
| Noninterest expense to average assets | 4.1120% | 1,256 |
| Loan and lease loss provision to assets | 0.4412% | 3,086 |
| Net operating income to assets | 1.3486% | 1,346 |
| Return on assets (ROA) | 1.3486% | 1,308 |
| Pretax return on assets | 1.3486% | 2,134 |
| Return on Equity (ROE) | 14.1047% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.8218% | 1,605 |
| Net charge-offs to loans | 0.5798% | 2,080 |
| Credit loss provision to net charge-offs | 106.9470% | 5,020 |
| Earnings coverage of net charge-offs (x) | 4.3382% | 4,012 |
| Efficiency ratio | 69.6741% | 4,410 |
| Assets per employee ($millions) | 1.7366% | 8,076 |
| Cash dividends to net income (ytd only)* | 58.7248% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 7,002 |
| Loan loss allowance to noncurrent loans | 38.7466% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 2.9437% | 1,568 |
| Noncurrent loans to loans | 2.1323% | 2,591 |
| Net loans and leases to total assets | 71.3962% | 3,709 |
| Net loans and leases to deposits | 79.4026% | 5,148 |
| Net loans and leases to core deposits | 89.4361% | 5,850 |
| Total domestic deposits to total assets | 89.9167% | 680 |
| Equity capital to assets | 9.3235% | 4,915 |
| Core capital (leverage) ratio | 8.2109% | 6,149 |
| Tier 1 risk-based capital ratio | 9.8892% | 6,862 |
| Total risk-based capital ratio | 10.6433% | 7,343 |
| Memoranda: | ||
| Average total assets | $132,586,000 | 4,223 |
| Average earning assets | $116,066,600 | 4,363 |
| Average equity | $12,676,600 | 4,653 |
| Average total loans | $94,339,000 | 4,097 |