Home > United Republic Bank > Performance and Condition Ratios
United Republic Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7237% | 905 |
| Cost of funding earning assets | 2.2392% | 600 |
| Net interest margin | 3.4845% | 2,219 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 2.2844% | 2,887 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.5629% | 3,532 |
| Return on assets (ROA) | 0.5629% | 3,521 |
| Pretax return on assets | 0.7019% | 3,433 |
| Return on Equity (ROE) | 3.9700% | 3,889 |
| Retained earnings to average equity (ytd only) | 3.3044% | 3,193 |
| Net charge-offs to loans | 0.1241% | 788 |
| Credit loss provision to net charge-offs | 207.1823% | 1,197 |
| Earnings coverage of net charge-offs (x) | 9.8177% | 2,271 |
| Efficiency ratio | 69.5398% | 1,944 |
| Assets per employee ($millions) | 9.6625% | 784 |
| Cash dividends to net income (ytd only)* | 16.8269% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 1,905 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 80.2700% | 615 |
| Net loans and leases to deposits | 98.6775% | 607 |
| Net loans and leases to core deposits | 159.1490% | 157 |
| Total domestic deposits to total assets | 81.3500% | 3,247 |
| Equity capital to assets | 13.2579% | 812 |
| Core capital (leverage) ratio | 12.3401% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $184,772,800 | 3,091 |
| Average earning assets | $166,709,800 | 3,126 |
| Average equity | $26,177,600 | 2,453 |
| Average total loans | $145,802,200 | 2,707 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5865% | 918 |
| Cost of funding earning assets | 2.0592% | 635 |
| Net interest margin | 3.5273% | 2,153 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.3102% | 2,761 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.5541% | 3,656 |
| Return on assets (ROA) | 0.5541% | 3,642 |
| Pretax return on assets | 0.6939% | 3,565 |
| Return on Equity (ROE) | 3.8400% | 4,002 |
| Retained earnings to average equity (ytd only) | 2.9439% | 3,528 |
| Net charge-offs to loans | 0.1825% | 481 |
| Credit loss provision to net charge-offs | 148.1865% | 1,331 |
| Earnings coverage of net charge-offs (x) | 6.7254% | 2,268 |
| Efficiency ratio | 69.7806% | 1,815 |
| Assets per employee ($millions) | 9.0197% | 924 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,756 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 2,361 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.5700% | 815 |
| Net loans and leases to deposits | 96.2010% | 741 |
| Net loans and leases to core deposits | 139.5415% | 227 |
| Total domestic deposits to total assets | 81.6700% | 3,276 |
| Equity capital to assets | 13.8053% | 676 |
| Core capital (leverage) ratio | 12.4228% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $180,237,750 | 3,133 |
| Average earning assets | $162,197,000 | 3,161 |
| Average equity | $25,996,500 | 2,447 |
| Average total loans | $141,007,000 | 2,766 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3998% | 956 |
| Cost of funding earning assets | 1.8875% | 628 |
| Net interest margin | 3.5123% | 2,233 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.2678% | 2,897 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 0.5937% | 3,586 |
| Return on assets (ROA) | 0.5937% | 3,595 |
| Pretax return on assets | 0.7394% | 3,524 |
| Return on Equity (ROE) | 4.0500% | 4,024 |
| Retained earnings to average equity (ytd only) | 2.7057% | 3,552 |
| Net charge-offs to loans | 0.2076% | 388 |
| Credit loss provision to net charge-offs | 138.4615% | 1,246 |
| Earnings coverage of net charge-offs (x) | 6.2587% | 2,134 |
| Efficiency ratio | 68.3196% | 1,945 |
| Assets per employee ($millions) | 10.3977% | 591 |
| Cash dividends to net income (ytd only)* | 33.2700% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 1,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 1,055 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.6400% | 1,212 |
| Net loans and leases to deposits | 93.3652% | 918 |
| Net loans and leases to core deposits | 132.7022% | 289 |
| Total domestic deposits to total assets | 79.9400% | 3,585 |
| Equity capital to assets | 13.9625% | 652 |
| Core capital (leverage) ratio | 13.1085% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $177,179,333 | 3,163 |
| Average earning assets | $159,155,000 | 3,197 |
| Average equity | $25,945,667 | 2,465 |
| Average total loans | $137,735,333 | 2,796 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3981% | 721 |
| Cost of funding earning assets | 1.7812% | 468 |
| Net interest margin | 3.6168% | 2,090 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.3509% | 2,666 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 0.5691% | 3,747 |
| Return on assets (ROA) | 0.5691% | 3,716 |
| Pretax return on assets | 0.7108% | 3,635 |
| Return on Equity (ROE) | 3.7900% | 4,075 |
| Retained earnings to average equity (ytd only) | 2.6303% | 3,576 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.5410% | 1,799 |
| Assets per employee ($millions) | 9.5518% | 791 |
| Cash dividends to net income (ytd only)* | 30.6122% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,260 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3656% | 258 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 76.7900% | 896 |
| Net loans and leases to deposits | 92.9883% | 852 |
| Net loans and leases to core deposits | 138.9476% | 192 |
| Total domestic deposits to total assets | 82.5900% | 3,383 |
| Equity capital to assets | 15.1419% | 471 |
| Core capital (leverage) ratio | 13.2349% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $172,190,000 | 3,246 |
| Average earning assets | $154,499,500 | 3,270 |
| Average equity | $25,852,500 | 2,493 |
| Average total loans | $135,775,000 | 2,843 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 439 |
| Cost of funding earning assets | 0.8707% | 284 |
| Net interest margin | 3.9180% | 919 |
| Noninterest income to average assets | 0.0300% | 4,621 |
| Noninterest expense to average assets | 2.1761% | 3,085 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 0.8662% | 3,094 |
| Return on assets (ROA) | 0.8662% | 3,025 |
| Pretax return on assets | 1.1071% | 2,753 |
| Return on Equity (ROE) | 5.6300% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.1153% | 2,995 |
| Net charge-offs to loans | 0.0216% | 1,641 |
| Credit loss provision to net charge-offs | 1,870.3704% | 276 |
| Earnings coverage of net charge-offs (x) | 86.6296% | 1,046 |
| Efficiency ratio | 59.8082% | 3,085 |
| Assets per employee ($millions) | 9.5804% | 765 |
| Cash dividends to net income (ytd only)* | 9.1289% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,538 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 1,609 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.6300% | 740 |
| Net loans and leases to deposits | 97.5364% | 552 |
| Net loans and leases to core deposits | 143.9688% | 116 |
| Total domestic deposits to total assets | 80.6200% | 3,803 |
| Equity capital to assets | 14.8863% | 481 |
| Core capital (leverage) ratio | 13.0432% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,663,000 | 3,301 |
| Average earning assets | $150,332,400 | 3,325 |
| Average equity | $25,492,200 | 2,559 |
| Average total loans | $125,228,400 | 2,876 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 429 |
| Cost of funding earning assets | 0.7212% | 236 |
| Net interest margin | 3.8669% | 858 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 2.1321% | 3,125 |
| Loan and lease loss provision to assets | 0.2300% | 365 |
| Net operating income to assets | 0.8969% | 2,874 |
| Return on assets (ROA) | 0.8969% | 2,855 |
| Pretax return on assets | 1.1530% | 2,546 |
| Return on Equity (ROE) | 5.7800% | 3,835 |
| Retained earnings to average equity (ytd only) | 5.7791% | 2,827 |
| Net charge-offs to loans | 0.0306% | 1,223 |
| Credit loss provision to net charge-offs | 1,017.8571% | 400 |
| Earnings coverage of net charge-offs (x) | 60.8214% | 1,166 |
| Efficiency ratio | 59.7688% | 3,141 |
| Assets per employee ($millions) | 9.7154% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,467 |
| Loan loss allowance to noncurrent loans | 72.1557% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 277 |
| Noncurrent loans to loans | 1.6793% | 390 |
| Net loans and leases to total assets | 78.6500% | 645 |
| Net loans and leases to deposits | 98.3039% | 440 |
| Net loans and leases to core deposits | 149.2129% | 68 |
| Total domestic deposits to total assets | 80.0000% | 4,099 |
| Equity capital to assets | 14.4564% | 513 |
| Core capital (leverage) ratio | 13.1866% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $163,967,000 | 3,341 |
| Average earning assets | $148,641,000 | 3,360 |
| Average equity | $25,447,500 | 2,600 |
| Average total loans | $122,159,250 | 2,912 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 521 |
| Cost of funding earning assets | 0.6543% | 207 |
| Net interest margin | 3.6567% | 983 |
| Noninterest income to average assets | -0.0312% | 4,753 |
| Noninterest expense to average assets | 2.1269% | 3,071 |
| Loan and lease loss provision to assets | 0.2058% | 397 |
| Net operating income to assets | 0.7198% | 3,243 |
| Return on assets (ROA) | 0.7198% | 3,195 |
| Pretax return on assets | 0.9406% | 2,926 |
| Return on Equity (ROE) | 4.5250% | 3,904 |
| Retained earnings to average equity (ytd only) | 4.5250% | 2,873 |
| Net charge-offs to loans | 0.0481% | 914 |
| Credit loss provision to net charge-offs | 589.2857% | 579 |
| Earnings coverage of net charge-offs (x) | 32.8214% | 1,355 |
| Efficiency ratio | 64.0244% | 2,773 |
| Assets per employee ($millions) | 9.3421% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,769 |
| Loan loss allowance to noncurrent loans | 235.9940% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 1,427 |
| Noncurrent loans to loans | 0.5021% | 1,622 |
| Net loans and leases to total assets | 77.7108% | 573 |
| Net loans and leases to deposits | 94.8943% | 480 |
| Net loans and leases to core deposits | 144.6390% | 66 |
| Total domestic deposits to total assets | 81.8920% | 4,017 |
| Equity capital to assets | 15.0567% | 399 |
| Core capital (leverage) ratio | 13.5482% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,330,333 | 3,408 |
| Average earning assets | $144,884,000 | 3,448 |
| Average equity | $25,503,000 | 2,650 |
| Average total loans | $116,472,000 | 2,981 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 665 |
| Cost of funding earning assets | 0.6081% | 249 |
| Net interest margin | 3.4667% | 1,144 |
| Noninterest income to average assets | 0.0384% | 4,687 |
| Noninterest expense to average assets | 2.1456% | 2,998 |
| Loan and lease loss provision to assets | 0.1918% | 387 |
| Net operating income to assets | 0.6368% | 3,268 |
| Return on assets (ROA) | 0.6368% | 3,252 |
| Pretax return on assets | 0.8209% | 3,043 |
| Return on Equity (ROE) | 3.8914% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.8914% | 2,970 |
| Net charge-offs to loans | 0.1068% | 498 |
| Credit loss provision to net charge-offs | 258.6207% | 708 |
| Earnings coverage of net charge-offs (x) | 13.6552% | 1,386 |
| Efficiency ratio | 66.8826% | 2,653 |
| Assets per employee ($millions) | 8.5731% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,283 |
| Loan loss allowance to noncurrent loans | 170.2422% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.5618% | 1,070 |
| Noncurrent loans to loans | 0.7719% | 1,236 |
| Net loans and leases to total assets | 71.8266% | 852 |
| Net loans and leases to deposits | 88.7736% | 572 |
| Net loans and leases to core deposits | 129.9216% | 92 |
| Total domestic deposits to total assets | 80.9100% | 4,207 |
| Equity capital to assets | 16.4241% | 291 |
| Core capital (leverage) ratio | 14.0564% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,416,500 | 3,457 |
| Average earning assets | $140,769,000 | 3,498 |
| Average equity | $25,595,000 | 2,732 |
| Average total loans | $108,586,000 | 3,079 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6209% | 487 |
| Cost of funding earning assets | 0.8226% | 183 |
| Net interest margin | 3.7983% | 1,009 |
| Noninterest income to average assets | 0.1624% | 4,341 |
| Noninterest expense to average assets | 2.1250% | 3,322 |
| Loan and lease loss provision to assets | 0.2476% | 382 |
| Net operating income to assets | 0.9651% | 2,819 |
| Return on assets (ROA) | 0.9651% | 2,880 |
| Pretax return on assets | 1.2067% | 2,642 |
| Return on Equity (ROE) | 6.7043% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.7043% | 2,036 |
| Net charge-offs to loans | 0.0117% | 2,129 |
| Credit loss provision to net charge-offs | 2,884.6154% | 236 |
| Earnings coverage of net charge-offs (x) | 169.4615% | 604 |
| Efficiency ratio | 58.4471% | 3,372 |
| Assets per employee ($millions) | 8.8065% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 2,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 65.2460% | 1,560 |
| Net loans and leases to deposits | 80.4552% | 1,175 |
| Net loans and leases to core deposits | 118.5425% | 176 |
| Total domestic deposits to total assets | 81.0960% | 4,096 |
| Equity capital to assets | 16.3042% | 349 |
| Core capital (leverage) ratio | 14.6267% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,483,400 | 3,469 |
| Average earning assets | $136,271,600 | 3,517 |
| Average equity | $21,806,800 | 3,073 |
| Average total loans | $111,439,800 | 3,055 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 421 |
| Cost of funding earning assets | 0.8837% | 167 |
| Net interest margin | 3.9015% | 939 |
| Noninterest income to average assets | 0.1932% | 4,237 |
| Noninterest expense to average assets | 2.1452% | 3,232 |
| Loan and lease loss provision to assets | 0.2672% | 326 |
| Net operating income to assets | 1.0357% | 2,785 |
| Return on assets (ROA) | 1.0357% | 2,846 |
| Pretax return on assets | 1.2877% | 2,651 |
| Return on Equity (ROE) | 7.4559% | 3,545 |
| Retained earnings to average equity (ytd only) | 7.4559% | 2,247 |
| Net charge-offs to loans | 0.0153% | 1,777 |
| Credit loss provision to net charge-offs | 2,307.6923% | 298 |
| Earnings coverage of net charge-offs (x) | 134.3077% | 726 |
| Efficiency ratio | 57.0878% | 3,406 |
| Assets per employee ($millions) | 8.1856% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2982% | 2,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.9206% | 1,080 |
| Net loans and leases to deposits | 84.6050% | 922 |
| Net loans and leases to core deposits | 119.7070% | 185 |
| Total domestic deposits to total assets | 82.6435% | 3,790 |
| Equity capital to assets | 14.4251% | 649 |
| Core capital (leverage) ratio | 11.1424% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,725,000 | 3,517 |
| Average earning assets | $134,578,500 | 3,573 |
| Average equity | $20,797,250 | 3,181 |
| Average total loans | $113,085,750 | 3,064 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7697% | 486 |
| Cost of funding earning assets | 0.9238% | 166 |
| Net interest margin | 3.8459% | 1,076 |
| Noninterest income to average assets | 0.2339% | 4,004 |
| Noninterest expense to average assets | 2.1432% | 3,262 |
| Loan and lease loss provision to assets | 0.2990% | 285 |
| Net operating income to assets | 1.0125% | 2,851 |
| Return on assets (ROA) | 1.0125% | 2,934 |
| Pretax return on assets | 1.2490% | 2,772 |
| Return on Equity (ROE) | 7.3819% | 3,558 |
| Retained earnings to average equity (ytd only) | 7.3819% | 2,296 |
| Net charge-offs to loans | 0.0224% | 1,495 |
| Credit loss provision to net charge-offs | 1,730.7692% | 320 |
| Earnings coverage of net charge-offs (x) | 89.6154% | 794 |
| Efficiency ratio | 57.1634% | 3,380 |
| Assets per employee ($millions) | 8.3809% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 3,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 75.3415% | 649 |
| Net loans and leases to deposits | 90.6176% | 614 |
| Net loans and leases to core deposits | 127.9659% | 145 |
| Total domestic deposits to total assets | 83.1423% | 3,678 |
| Equity capital to assets | 13.8336% | 751 |
| Core capital (leverage) ratio | 10.9103% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,520,000 | 3,523 |
| Average earning assets | $135,311,333 | 3,568 |
| Average equity | $20,645,000 | 3,194 |
| Average total loans | $115,989,000 | 3,045 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 390 |
| Cost of funding earning assets | 0.9811% | 151 |
| Net interest margin | 3.9570% | 901 |
| Noninterest income to average assets | 0.1809% | 4,288 |
| Noninterest expense to average assets | 2.1470% | 3,282 |
| Loan and lease loss provision to assets | 0.1995% | 612 |
| Net operating income to assets | 1.1067% | 2,450 |
| Return on assets (ROA) | 1.1067% | 2,530 |
| Pretax return on assets | 1.3861% | 2,321 |
| Return on Equity (ROE) | 8.1040% | 3,292 |
| Retained earnings to average equity (ytd only) | 8.1040% | 2,201 |
| Net charge-offs to loans | 0.0652% | 884 |
| Credit loss provision to net charge-offs | 394.7368% | 660 |
| Earnings coverage of net charge-offs (x) | 31.3684% | 1,078 |
| Efficiency ratio | 56.5930% | 3,479 |
| Assets per employee ($millions) | 8.4603% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.8097% | 736 |
| Net loans and leases to deposits | 89.7598% | 713 |
| Net loans and leases to core deposits | 128.3000% | 161 |
| Total domestic deposits to total assets | 83.3444% | 3,605 |
| Equity capital to assets | 13.6061% | 769 |
| Core capital (leverage) ratio | 10.7685% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,351,500 | 3,523 |
| Average earning assets | $134,951,000 | 3,575 |
| Average equity | $20,533,000 | 3,196 |
| Average total loans | $116,514,500 | 3,045 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 648 |
| Cost of funding earning assets | 1.4156% | 121 |
| Net interest margin | 3.4481% | 2,633 |
| Noninterest income to average assets | 0.1586% | 4,503 |
| Noninterest expense to average assets | 2.1490% | 3,827 |
| Loan and lease loss provision to assets | 0.2133% | 1,841 |
| Net operating income to assets | 0.7004% | 3,433 |
| Return on assets (ROA) | 0.7004% | 3,569 |
| Pretax return on assets | 0.8846% | 3,410 |
| Return on Equity (ROE) | 4.9881% | 3,909 |
| Retained earnings to average equity (ytd only) | 4.9881% | 2,273 |
| Net charge-offs to loans | -0.1862% | 4,885 |
| Credit loss provision to net charge-offs | -149.2537% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0898% | 2,662 |
| Assets per employee ($millions) | 7.8115% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 4,175 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 78.7728% | 518 |
| Net loans and leases to deposits | 94.6794% | 621 |
| Net loans and leases to core deposits | 133.8750% | 170 |
| Total domestic deposits to total assets | 83.1995% | 3,356 |
| Equity capital to assets | 13.7086% | 870 |
| Core capital (leverage) ratio | 10.9495% | 1,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,626,400 | 3,503 |
| Average earning assets | $125,952,400 | 3,556 |
| Average equity | $19,747,000 | 3,212 |
| Average total loans | $107,949,600 | 3,120 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9410% | 678 |
| Cost of funding earning assets | 1.5194% | 112 |
| Net interest margin | 3.4216% | 2,845 |
| Noninterest income to average assets | 0.1173% | 4,692 |
| Noninterest expense to average assets | 2.1363% | 3,861 |
| Loan and lease loss provision to assets | 0.2163% | 1,862 |
| Net operating income to assets | 0.6519% | 3,623 |
| Return on assets (ROA) | 0.6519% | 3,725 |
| Pretax return on assets | 0.8326% | 3,563 |
| Return on Equity (ROE) | 4.6128% | 3,996 |
| Retained earnings to average equity (ytd only) | 4.6128% | 2,738 |
| Net charge-offs to loans | -0.0013% | 3,835 |
| Credit loss provision to net charge-offs | -22,500.0000% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9523% | 2,471 |
| Assets per employee ($millions) | 7.9789% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7353% | 4,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 74.5349% | 1,303 |
| Net loans and leases to deposits | 90.0690% | 1,256 |
| Net loans and leases to core deposits | 125.1573% | 320 |
| Total domestic deposits to total assets | 82.7531% | 3,203 |
| Equity capital to assets | 13.9806% | 857 |
| Core capital (leverage) ratio | 10.7681% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,678,500 | 3,521 |
| Average earning assets | $124,343,000 | 3,561 |
| Average equity | $19,597,250 | 3,227 |
| Average total loans | $105,441,750 | 3,166 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0253% | 791 |
| Cost of funding earning assets | 1.6371% | 97 |
| Net interest margin | 3.3882% | 3,142 |
| Noninterest income to average assets | 0.1241% | 4,682 |
| Noninterest expense to average assets | 2.1747% | 3,865 |
| Loan and lease loss provision to assets | 0.2189% | 1,905 |
| Net operating income to assets | 0.5969% | 3,749 |
| Return on assets (ROA) | 0.5969% | 3,826 |
| Pretax return on assets | 0.7662% | 3,682 |
| Return on Equity (ROE) | 4.2085% | 4,047 |
| Retained earnings to average equity (ytd only) | 4.2085% | 2,817 |
| Net charge-offs to loans | -0.0019% | 3,813 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6674% | 2,285 |
| Assets per employee ($millions) | 7.7759% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 4,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 73.8258% | 1,437 |
| Net loans and leases to deposits | 89.6301% | 1,386 |
| Net loans and leases to core deposits | 119.4081% | 439 |
| Total domestic deposits to total assets | 82.3671% | 3,273 |
| Equity capital to assets | 14.1099% | 834 |
| Core capital (leverage) ratio | 10.9816% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,031,333 | 3,517 |
| Average earning assets | $122,779,000 | 3,568 |
| Average equity | $19,436,667 | 3,227 |
| Average total loans | $104,642,333 | 3,170 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1619% | 706 |
| Cost of funding earning assets | 1.7811% | 93 |
| Net interest margin | 3.3808% | 3,359 |
| Noninterest income to average assets | 0.1918% | 4,405 |
| Noninterest expense to average assets | 2.2395% | 3,911 |
| Loan and lease loss provision to assets | 0.2213% | 1,396 |
| Net operating income to assets | 0.5872% | 3,635 |
| Return on assets (ROA) | 0.5872% | 3,693 |
| Pretax return on assets | 0.7554% | 3,535 |
| Return on Equity (ROE) | 4.1285% | 3,916 |
| Retained earnings to average equity (ytd only) | 4.1285% | 2,632 |
| Net charge-offs to loans | -0.0038% | 3,776 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4404% | 2,595 |
| Assets per employee ($millions) | 7.9384% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 4,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.2421% | 1,260 |
| Net loans and leases to deposits | 92.8778% | 1,194 |
| Net loans and leases to core deposits | 120.6692% | 449 |
| Total domestic deposits to total assets | 82.0886% | 3,391 |
| Equity capital to assets | 14.3331% | 947 |
| Core capital (leverage) ratio | 11.0628% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,564,000 | 3,507 |
| Average earning assets | $121,274,000 | 3,562 |
| Average equity | $19,280,500 | 3,242 |
| Average total loans | $104,939,000 | 3,154 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2828% | 845 |
| Cost of funding earning assets | 1.8302% | 126 |
| Net interest margin | 3.4526% | 3,582 |
| Noninterest income to average assets | 0.1652% | 4,661 |
| Noninterest expense to average assets | 2.3638% | 3,793 |
| Loan and lease loss provision to assets | 0.2253% | 856 |
| Net operating income to assets | 0.4875% | 4,432 |
| Return on assets (ROA) | 0.4875% | 4,483 |
| Pretax return on assets | 0.6452% | 4,338 |
| Return on Equity (ROE) | 3.5227% | 4,571 |
| Retained earnings to average equity (ytd only) | 3.5227% | 3,244 |
| Net charge-offs to loans | -0.0126% | 4,533 |
| Credit loss provision to net charge-offs | -2,307.6923% | 4,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9229% | 1,880 |
| Assets per employee ($millions) | 7.1671% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5332% | 4,847 |
| Loan loss allowance to noncurrent loans | 2,180.7692% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,561 |
| Noncurrent loans to loans | 0.0244% | 4,466 |
| Net loans and leases to total assets | 77.6773% | 1,129 |
| Net loans and leases to deposits | 94.2737% | 1,133 |
| Net loans and leases to core deposits | 125.6453% | 354 |
| Total domestic deposits to total assets | 82.3954% | 3,400 |
| Equity capital to assets | 14.1127% | 1,052 |
| Core capital (leverage) ratio | 10.6869% | 2,770 |
| Tier 1 risk-based capital ratio | 11.5294% | 4,612 |
| Total risk-based capital ratio | 11.9930% | 4,857 |
| Memoranda: | ||
| Average total assets | $133,134,000 | 3,521 |
| Average earning assets | $118,345,400 | 3,585 |
| Average equity | $18,423,400 | 3,293 |
| Average total loans | $102,840,400 | 3,190 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 865 |
| Cost of funding earning assets | 1.7957% | 142 |
| Net interest margin | 3.5028% | 3,554 |
| Noninterest income to average assets | 0.1682% | 4,712 |
| Noninterest expense to average assets | 2.4183% | 3,634 |
| Loan and lease loss provision to assets | 0.2266% | 752 |
| Net operating income to assets | 0.4623% | 4,599 |
| Return on assets (ROA) | 0.4623% | 4,633 |
| Pretax return on assets | 0.6295% | 4,493 |
| Return on Equity (ROE) | 3.3580% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.3580% | 3,722 |
| Net charge-offs to loans | -0.0170% | 4,544 |
| Credit loss provision to net charge-offs | -1,730.7692% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6853% | 1,742 |
| Assets per employee ($millions) | 6.5594% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4643% | 5,013 |
| Loan loss allowance to noncurrent loans | 1,892.3077% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 4,651 |
| Noncurrent loans to loans | 0.0245% | 4,568 |
| Net loans and leases to total assets | 76.5637% | 1,380 |
| Net loans and leases to deposits | 90.2274% | 1,673 |
| Net loans and leases to core deposits | 119.7731% | 546 |
| Total domestic deposits to total assets | 84.8564% | 2,474 |
| Equity capital to assets | 13.7977% | 1,233 |
| Core capital (leverage) ratio | 10.7978% | 2,841 |
| Tier 1 risk-based capital ratio | 11.5452% | 4,647 |
| Total risk-based capital ratio | 11.9538% | 4,935 |
| Memoranda: | ||
| Average total assets | $132,373,750 | 3,569 |
| Average earning assets | $117,390,250 | 3,628 |
| Average equity | $18,224,750 | 3,337 |
| Average total loans | $101,964,500 | 3,235 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2311% | 923 |
| Cost of funding earning assets | 1.7639% | 151 |
| Net interest margin | 3.4672% | 3,699 |
| Noninterest income to average assets | 0.1133% | 4,989 |
| Noninterest expense to average assets | 2.5593% | 3,305 |
| Loan and lease loss provision to assets | 0.2297% | 713 |
| Net operating income to assets | 0.2573% | 4,928 |
| Return on assets (ROA) | 0.2573% | 4,941 |
| Pretax return on assets | 0.3952% | 4,837 |
| Return on Equity (ROE) | 1.8704% | 4,957 |
| Retained earnings to average equity (ytd only) | 1.8704% | 4,154 |
| Net charge-offs to loans | -0.0258% | 4,633 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1727% | 1,042 |
| Assets per employee ($millions) | 6.2905% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4003% | 5,107 |
| Loan loss allowance to noncurrent loans | 25.8364% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 1,076 |
| Noncurrent loans to loans | 1.5494% | 988 |
| Net loans and leases to total assets | 78.5382% | 1,117 |
| Net loans and leases to deposits | 93.2978% | 1,336 |
| Net loans and leases to core deposits | 124.5935% | 416 |
| Total domestic deposits to total assets | 84.1802% | 2,785 |
| Equity capital to assets | 14.2044% | 1,055 |
| Core capital (leverage) ratio | 10.9246% | 2,666 |
| Tier 1 risk-based capital ratio | 11.3784% | 4,747 |
| Total risk-based capital ratio | 11.7273% | 5,029 |
| Memoranda: | ||
| Average total assets | $130,582,330 | 3,611 |
| Average earning assets | $115,654,330 | 3,680 |
| Average equity | $17,964,330 | 3,357 |
| Average total loans | $100,633,670 | 3,279 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4101% | 619 |
| Cost of funding earning assets | 1.7360% | 140 |
| Net interest margin | 3.6741% | 2,991 |
| Noninterest income to average assets | 0.0955% | 5,099 |
| Noninterest expense to average assets | 2.6189% | 3,158 |
| Loan and lease loss provision to assets | 0.2311% | 655 |
| Net operating income to assets | 0.3358% | 4,857 |
| Return on assets (ROA) | 0.3358% | 4,865 |
| Pretax return on assets | 0.4930% | 4,706 |
| Return on Equity (ROE) | 2.4823% | 4,896 |
| Retained earnings to average equity (ytd only) | 2.4823% | 3,929 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2350% | 1,356 |
| Assets per employee ($millions) | 6.1811% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3280% | 5,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.0159% | 1,313 |
| Net loans and leases to deposits | 98.3618% | 755 |
| Net loans and leases to core deposits | 127.9620% | 336 |
| Total domestic deposits to total assets | 78.2987% | 4,466 |
| Equity capital to assets | 13.6106% | 1,173 |
| Core capital (leverage) ratio | 10.1129% | 3,477 |
| Tier 1 risk-based capital ratio | 10.6604% | 5,127 |
| Total risk-based capital ratio | 10.9402% | 5,297 |
| Memoranda: | ||
| Average total assets | $129,823,500 | 3,662 |
| Average earning assets | $114,749,000 | 3,734 |
| Average equity | $17,564,500 | 3,405 |
| Average total loans | $98,867,500 | 3,341 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 1,343 |
| Cost of funding earning assets | 1.4087% | 135 |
| Net interest margin | 3.4694% | 3,804 |
| Noninterest income to average assets | 0.1484% | 4,966 |
| Noninterest expense to average assets | 2.5290% | 3,529 |
| Loan and lease loss provision to assets | 0.1689% | 1,192 |
| Net operating income to assets | 0.3970% | 4,871 |
| Return on assets (ROA) | 0.3970% | 4,865 |
| Pretax return on assets | 0.4870% | 4,816 |
| Return on Equity (ROE) | 2.9907% | 4,899 |
| Retained earnings to average equity (ytd only) | 2.9907% | 3,907 |
| Net charge-offs to loans | -0.0424% | 4,922 |
| Credit loss provision to net charge-offs | -535.0000% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1660% | 1,110 |
| Assets per employee ($millions) | 7.6379% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2607% | 5,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,585 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.8460% | 1,793 |
| Net loans and leases to deposits | 95.4196% | 1,126 |
| Net loans and leases to core deposits | 127.0831% | 374 |
| Total domestic deposits to total assets | 78.4387% | 4,415 |
| Equity capital to assets | 13.4484% | 1,166 |
| Core capital (leverage) ratio | 10.3497% | 3,202 |
| Tier 1 risk-based capital ratio | 10.7063% | 5,108 |
| Total risk-based capital ratio | 10.9254% | 5,327 |
| Memoranda: | ||
| Average total assets | $126,692,800 | 3,686 |
| Average earning assets | $110,883,200 | 3,790 |
| Average equity | $16,818,600 | 3,419 |
| Average total loans | $94,279,400 | 3,402 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 1,143 |
| Cost of funding earning assets | 1.3696% | 113 |
| Net interest margin | 3.5367% | 3,570 |
| Noninterest income to average assets | 0.1504% | 5,023 |
| Noninterest expense to average assets | 2.5701% | 3,382 |
| Loan and lease loss provision to assets | 0.1631% | 1,170 |
| Net operating income to assets | 0.4014% | 4,953 |
| Return on assets (ROA) | 0.4014% | 4,953 |
| Pretax return on assets | 0.5072% | 4,896 |
| Return on Equity (ROE) | 3.0335% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.0335% | 4,222 |
| Net charge-offs to loans | -0.0570% | 4,983 |
| Credit loss provision to net charge-offs | -385.0000% | 4,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0719% | 1,116 |
| Assets per employee ($millions) | 6.6769% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2122% | 5,393 |
| Loan loss allowance to noncurrent loans | 38.2643% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 2,224 |
| Noncurrent loans to loans | 0.5547% | 2,721 |
| Net loans and leases to total assets | 71.8992% | 2,345 |
| Net loans and leases to deposits | 92.2032% | 1,595 |
| Net loans and leases to core deposits | 114.3954% | 795 |
| Total domestic deposits to total assets | 77.9790% | 4,487 |
| Equity capital to assets | 13.6220% | 1,093 |
| Core capital (leverage) ratio | 10.0497% | 3,578 |
| Tier 1 risk-based capital ratio | 11.2829% | 4,908 |
| Total risk-based capital ratio | 11.4623% | 5,257 |
| Memoranda: | ||
| Average total assets | $125,905,000 | 3,730 |
| Average earning assets | $110,005,250 | 3,844 |
| Average equity | $16,657,750 | 3,456 |
| Average total loans | $93,490,000 | 3,438 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9257% | 964 |
| Cost of funding earning assets | 1.3349% | 94 |
| Net interest margin | 3.5908% | 3,358 |
| Noninterest income to average assets | 0.1561% | 5,045 |
| Noninterest expense to average assets | 2.6181% | 3,272 |
| Loan and lease loss provision to assets | 0.1497% | 1,262 |
| Net operating income to assets | 0.4045% | 4,950 |
| Return on assets (ROA) | 0.4045% | 4,954 |
| Pretax return on assets | 0.5112% | 4,885 |
| Return on Equity (ROE) | 3.0881% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.0881% | 4,017 |
| Net charge-offs to loans | -0.0871% | 5,120 |
| Credit loss provision to net charge-offs | -229.2683% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6304% | 1,151 |
| Assets per employee ($millions) | 6.7926% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1446% | 5,467 |
| Loan loss allowance to noncurrent loans | 26.6272% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 2,294 |
| Noncurrent loans to loans | 0.5431% | 2,790 |
| Net loans and leases to total assets | 72.2344% | 2,236 |
| Net loans and leases to deposits | 92.4274% | 1,529 |
| Net loans and leases to core deposits | 117.4903% | 655 |
| Total domestic deposits to total assets | 78.1526% | 4,562 |
| Equity capital to assets | 13.3296% | 1,170 |
| Core capital (leverage) ratio | 9.7742% | 3,812 |
| Tier 1 risk-based capital ratio | 11.1356% | 4,980 |
| Total risk-based capital ratio | 11.2602% | 5,370 |
| Memoranda: | ||
| Average total assets | $125,586,330 | 3,764 |
| Average earning assets | $109,223,670 | 3,886 |
| Average equity | $16,450,000 | 3,511 |
| Average total loans | $94,184,670 | 3,443 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 875 |
| Cost of funding earning assets | 1.2841% | 89 |
| Net interest margin | 3.6134% | 3,123 |
| Noninterest income to average assets | 0.1421% | 5,159 |
| Noninterest expense to average assets | 2.6354% | 3,229 |
| Loan and lease loss provision to assets | 0.1938% | 864 |
| Net operating income to assets | 0.3391% | 5,030 |
| Return on assets (ROA) | 0.3391% | 5,034 |
| Pretax return on assets | 0.4392% | 4,974 |
| Return on Equity (ROE) | 2.6130% | 5,093 |
| Retained earnings to average equity (ytd only) | 2.6130% | 4,132 |
| Net charge-offs to loans | -0.0042% | 3,953 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6324% | 1,073 |
| Assets per employee ($millions) | 6.5207% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0654% | 5,545 |
| Loan loss allowance to noncurrent loans | 12.0316% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6395% | 2,400 |
| Noncurrent loans to loans | 0.5434% | 2,898 |
| Net loans and leases to total assets | 71.4931% | 2,251 |
| Net loans and leases to deposits | 91.1158% | 1,543 |
| Net loans and leases to core deposits | 114.5910% | 774 |
| Total domestic deposits to total assets | 78.4640% | 4,655 |
| Equity capital to assets | 13.0807% | 1,199 |
| Core capital (leverage) ratio | 10.2938% | 3,195 |
| Tier 1 risk-based capital ratio | 11.0697% | 5,100 |
| Total risk-based capital ratio | 11.1241% | 5,476 |
| Memoranda: | ||
| Average total assets | $123,850,000 | 3,831 |
| Average earning assets | $107,155,500 | 3,967 |
| Average equity | $16,073,500 | 3,582 |
| Average total loans | $94,597,000 | 3,457 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0652% | 5,667 |
| Cost of funding earning assets | 0.0273% | 5,633 |
| Net interest margin | 0.0380% | 5,666 |
| Noninterest income to average assets | 0.0018% | 5,613 |
| Noninterest expense to average assets | 0.0000% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0239% | 5,336 |
| Return on assets (ROA) | 0.0239% | 5,338 |
| Pretax return on assets | 0.0364% | 5,417 |
| Return on Equity (ROE) | 0.1883% | 5,340 |
| Retained earnings to average equity (ytd only) | 0.1883% | 4,943 |
| Net charge-offs to loans | 0.0053% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 8.2000% | 2,941 |
| Efficiency ratio | 0.0000% | 5,665 |
| Assets per employee ($millions) | 6.1729% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 2,193 |
| Noncurrent loans to loans | 0.5287% | 2,924 |
| Net loans and leases to total assets | 81.7625% | 713 |
| Net loans and leases to deposits | 105.2900% | 431 |
| Net loans and leases to core deposits | 125.6104% | 445 |
| Total domestic deposits to total assets | 77.6546% | 4,769 |
| Equity capital to assets | 12.8643% | 1,330 |
| Core capital (leverage) ratio | 9.5889% | 3,927 |
| Tier 1 risk-based capital ratio | 10.0573% | 5,522 |
| Total risk-based capital ratio | 10.0573% | 5,636 |
| Memoranda: | ||
| Average total assets | $112,770,800 | 4,015 |
| Average earning assets | $102,724,600 | 4,051 |
| Average equity | $14,335,200 | 3,804 |
| Average total loans | $94,377,000 | 3,442 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 1,277 |
| Cost of funding earning assets | 0.8378% | 476 |
| Net interest margin | 3.8011% | 2,391 |
| Noninterest income to average assets | 0.1791% | 5,120 |
| Noninterest expense to average assets | 2.8197% | 2,661 |
| Loan and lease loss provision to assets | 0.0119% | 3,903 |
| Net operating income to assets | 0.5756% | 4,480 |
| Return on assets (ROA) | 0.5756% | 4,523 |
| Pretax return on assets | 0.8587% | 4,185 |
| Return on Equity (ROE) | 4.5427% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.0715% | 3,498 |
| Net charge-offs to loans | 0.0085% | 3,423 |
| Credit loss provision to net charge-offs | 166.6667% | 1,553 |
| Earnings coverage of net charge-offs (x) | 121.4975% | 621 |
| Efficiency ratio | 76.4078% | 1,531 |
| Assets per employee ($millions) | 5.7668% | 1,676 |
| Cash dividends to net income (ytd only)* | 10.3742% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 1,733 |
| Loan loss allowance to noncurrent loans | 103.3511% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 1,015 |
| Noncurrent loans to loans | 1.3939% | 1,342 |
| Net loans and leases to total assets | 84.7320% | 363 |
| Net loans and leases to deposits | 104.7714% | 460 |
| Net loans and leases to core deposits | 131.4549% | 318 |
| Total domestic deposits to total assets | 80.8732% | 4,087 |
| Equity capital to assets | 13.1287% | 1,323 |
| Core capital (leverage) ratio | 13.3374% | 1,084 |
| Tier 1 risk-based capital ratio | 14.4574% | 3,207 |
| Total risk-based capital ratio | 15.7088% | 3,119 |
| Memoranda: | ||
| Average total assets | $111,642,000 | 4,073 |
| Average earning assets | $103,125,000 | 4,086 |
| Average equity | $14,147,000 | 3,865 |
| Average total loans | $93,997,250 | 3,484 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 1,293 |
| Cost of funding earning assets | 0.8138% | 495 |
| Net interest margin | 3.7683% | 2,419 |
| Noninterest income to average assets | 0.1638% | 5,236 |
| Noninterest expense to average assets | 2.8843% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5003% | 4,706 |
| Return on assets (ROA) | 0.5003% | 4,741 |
| Pretax return on assets | 0.7585% | 4,410 |
| Return on Equity (ROE) | 3.9950% | 4,830 |
| Retained earnings to average equity (ytd only) | 3.9950% | 3,328 |
| Net charge-offs to loans | 0.0170% | 2,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 53.2500% | 1,025 |
| Efficiency ratio | 79.1789% | 1,313 |
| Assets per employee ($millions) | 5.7348% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 3,931 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.9372% | 564 |
| Net loans and leases to deposits | 98.0620% | 889 |
| Net loans and leases to core deposits | 127.6214% | 353 |
| Total domestic deposits to total assets | 84.5763% | 2,988 |
| Equity capital to assets | 13.0559% | 1,347 |
| Core capital (leverage) ratio | 13.2394% | 1,085 |
| Tier 1 risk-based capital ratio | 14.5137% | 3,159 |
| Total risk-based capital ratio | 15.7656% | 3,083 |
| Memoranda: | ||
| Average total assets | $112,333,000 | 4,090 |
| Average earning assets | $103,706,000 | 4,105 |
| Average equity | $14,067,670 | 3,881 |
| Average total loans | $93,930,670 | 3,500 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 1,356 |
| Cost of funding earning assets | 0.7896% | 523 |
| Net interest margin | 3.7165% | 2,434 |
| Noninterest income to average assets | 0.1719% | 5,251 |
| Noninterest expense to average assets | 2.9118% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4455% | 4,796 |
| Return on assets (ROA) | 0.4455% | 4,818 |
| Pretax return on assets | 0.6946% | 4,469 |
| Return on Equity (ROE) | 3.6316% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.6316% | 3,620 |
| Net charge-offs to loans | 0.0379% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,435 |
| Efficiency ratio | 80.7393% | 1,290 |
| Assets per employee ($millions) | 4.7000% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 1,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,982 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 85.8723% | 229 |
| Net loans and leases to deposits | 101.4370% | 522 |
| Net loans and leases to core deposits | 135.0677% | 213 |
| Total domestic deposits to total assets | 84.6559% | 3,239 |
| Equity capital to assets | 13.0074% | 1,253 |
| Core capital (leverage) ratio | 12.3881% | 1,399 |
| Tier 1 risk-based capital ratio | 14.1462% | 3,386 |
| Total risk-based capital ratio | 15.3986% | 3,305 |
| Memoranda: | ||
| Average total assets | $114,018,500 | 4,093 |
| Average earning assets | $105,369,000 | 4,096 |
| Average equity | $13,988,500 | 3,923 |
| Average total loans | $95,038,500 | 3,497 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 951 |
| Cost of funding earning assets | 0.8474% | 394 |
| Net interest margin | 3.9100% | 1,933 |
| Noninterest income to average assets | 0.3051% | 4,558 |
| Noninterest expense to average assets | 2.6692% | 3,452 |
| Loan and lease loss provision to assets | 0.7331% | 160 |
| Net operating income to assets | 0.3871% | 4,985 |
| Return on assets (ROA) | 0.3871% | 5,070 |
| Pretax return on assets | 0.5148% | 4,992 |
| Return on Equity (ROE) | 3.5333% | 5,001 |
| Retained earnings to average equity (ytd only) | 1.3745% | 4,720 |
| Net charge-offs to loans | 0.9922% | 186 |
| Credit loss provision to net charge-offs | 89.8551% | 2,797 |
| Earnings coverage of net charge-offs (x) | 1.5295% | 3,974 |
| Efficiency ratio | 68.1425% | 3,210 |
| Assets per employee ($millions) | 5.4517% | 1,898 |
| Cash dividends to net income (ytd only)* | 61.0998% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4108% | 2,033 |
| Loan loss allowance to noncurrent loans | 5,011.1111% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 4,093 |
| Noncurrent loans to loans | 0.0282% | 5,154 |
| Net loans and leases to total assets | 78.8347% | 1,068 |
| Net loans and leases to deposits | 91.4633% | 1,516 |
| Net loans and leases to core deposits | 125.7274% | 352 |
| Total domestic deposits to total assets | 86.1928% | 2,494 |
| Equity capital to assets | 11.6028% | 2,077 |
| Core capital (leverage) ratio | 11.2789% | 2,101 |
| Tier 1 risk-based capital ratio | 13.5659% | 3,730 |
| Total risk-based capital ratio | 14.8165% | 3,636 |
| Memoranda: | ||
| Average total assets | $126,853,200 | 3,882 |
| Average earning assets | $117,186,600 | 3,882 |
| Average equity | $13,896,400 | 3,954 |
| Average total loans | $104,310,200 | 3,308 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 1,029 |
| Cost of funding earning assets | 0.8525% | 375 |
| Net interest margin | 3.8694% | 2,085 |
| Noninterest income to average assets | 0.2675% | 4,858 |
| Noninterest expense to average assets | 2.7001% | 3,347 |
| Loan and lease loss provision to assets | 0.0519% | 3,214 |
| Net operating income to assets | 0.7715% | 3,504 |
| Return on assets (ROA) | 0.7715% | 3,647 |
| Pretax return on assets | 1.0877% | 3,281 |
| Return on Equity (ROE) | 7.1409% | 3,481 |
| Retained earnings to average equity (ytd only) | 4.2615% | 3,290 |
| Net charge-offs to loans | 0.0902% | 2,063 |
| Credit loss provision to net charge-offs | 69.4444% | 2,800 |
| Earnings coverage of net charge-offs (x) | 15.2635% | 2,189 |
| Efficiency ratio | 70.3214% | 2,844 |
| Assets per employee ($millions) | 6.0071% | 1,428 |
| Cash dividends to net income (ytd only)* | 40.3224% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,921 |
| Loan loss allowance to noncurrent loans | 143.0279% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1079% | 1,833 |
| Noncurrent loans to loans | 1.0222% | 2,198 |
| Net loans and leases to total assets | 80.5563% | 811 |
| Net loans and leases to deposits | 93.8447% | 1,271 |
| Net loans and leases to core deposits | 124.4240% | 406 |
| Total domestic deposits to total assets | 85.8401% | 2,434 |
| Equity capital to assets | 11.8127% | 2,245 |
| Core capital (leverage) ratio | 11.6118% | 1,944 |
| Tier 1 risk-based capital ratio | 12.9259% | 4,209 |
| Total risk-based capital ratio | 14.1762% | 4,115 |
| Memoranda: | ||
| Average total assets | $128,582,250 | 3,878 |
| Average earning assets | $118,707,500 | 3,873 |
| Average equity | $13,891,500 | 3,988 |
| Average total loans | $106,411,500 | 3,282 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 1,085 |
| Cost of funding earning assets | 0.8614% | 354 |
| Net interest margin | 3.8220% | 2,232 |
| Noninterest income to average assets | 0.2511% | 4,974 |
| Noninterest expense to average assets | 2.8037% | 3,014 |
| Loan and lease loss provision to assets | 0.0761% | 2,615 |
| Net operating income to assets | 0.6560% | 4,017 |
| Return on assets (ROA) | 0.6560% | 4,161 |
| Pretax return on assets | 0.8965% | 3,963 |
| Return on Equity (ROE) | 6.2503% | 3,935 |
| Retained earnings to average equity (ytd only) | 1.8997% | 4,606 |
| Net charge-offs to loans | -0.0055% | 4,549 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2443% | 2,324 |
| Assets per employee ($millions) | 6.6339% | 1,033 |
| Cash dividends to net income (ytd only)* | 69.6056% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 2,216 |
| Loan loss allowance to noncurrent loans | 202.2758% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 2.3388% | 632 |
| Noncurrent loans to loans | 0.7007% | 2,978 |
| Net loans and leases to total assets | 83.3797% | 477 |
| Net loans and leases to deposits | 96.4298% | 1,035 |
| Net loans and leases to core deposits | 128.2534% | 328 |
| Total domestic deposits to total assets | 86.4667% | 2,187 |
| Equity capital to assets | 11.0088% | 3,053 |
| Core capital (leverage) ratio | 10.6623% | 2,780 |
| Tier 1 risk-based capital ratio | 11.7647% | 5,000 |
| Total risk-based capital ratio | 13.0167% | 4,871 |
| Memoranda: | ||
| Average total assets | $131,395,670 | 3,854 |
| Average earning assets | $121,194,330 | 3,859 |
| Average equity | $13,791,330 | 4,016 |
| Average total loans | $109,142,670 | 3,249 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6474% | 1,152 |
| Cost of funding earning assets | 0.8629% | 360 |
| Net interest margin | 3.7845% | 2,350 |
| Noninterest income to average assets | 0.2267% | 5,116 |
| Noninterest expense to average assets | 3.0760% | 2,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6265% | 4,074 |
| Return on assets (ROA) | 0.6265% | 4,191 |
| Pretax return on assets | 0.6444% | 4,691 |
| Return on Equity (ROE) | 6.1095% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.1095% | 2,327 |
| Net charge-offs to loans | -0.0109% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6784% | 1,294 |
| Assets per employee ($millions) | 5.4026% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 2,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8717% | 971 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 78.7339% | 987 |
| Net loans and leases to deposits | 90.1486% | 1,560 |
| Net loans and leases to core deposits | 120.9036% | 443 |
| Total domestic deposits to total assets | 87.3379% | 2,036 |
| Equity capital to assets | 10.3298% | 3,710 |
| Core capital (leverage) ratio | 10.4632% | 3,009 |
| Tier 1 risk-based capital ratio | 11.2264% | 5,382 |
| Total risk-based capital ratio | 12.4043% | 5,329 |
| Memoranda: | ||
| Average total assets | $134,071,000 | 3,831 |
| Average earning assets | $123,768,000 | 3,832 |
| Average equity | $13,749,000 | 4,038 |
| Average total loans | $110,410,500 | 3,235 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 1,001 |
| Cost of funding earning assets | 0.7889% | 523 |
| Net interest margin | 3.9656% | 1,828 |
| Noninterest income to average assets | 0.2582% | 5,046 |
| Noninterest expense to average assets | 2.6814% | 3,647 |
| Loan and lease loss provision to assets | 0.1624% | 1,417 |
| Net operating income to assets | 0.6866% | 3,880 |
| Return on assets (ROA) | 0.6866% | 3,978 |
| Pretax return on assets | 1.0484% | 3,273 |
| Return on Equity (ROE) | 6.8434% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.4195% | 1,588 |
| Net charge-offs to loans | -0.0009% | 4,836 |
| Credit loss provision to net charge-offs | -21,000.0000% | 5,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8915% | 3,422 |
| Assets per employee ($millions) | 5.5449% | 1,745 |
| Cash dividends to net income (ytd only)* | 6.1937% | 4,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 2,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8997% | 959 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 83.8312% | 407 |
| Net loans and leases to deposits | 95.9672% | 1,015 |
| Net loans and leases to core deposits | 127.2819% | 311 |
| Total domestic deposits to total assets | 87.3539% | 1,953 |
| Equity capital to assets | 10.1791% | 3,772 |
| Core capital (leverage) ratio | 10.3378% | 3,118 |
| Tier 1 risk-based capital ratio | 10.6347% | 5,708 |
| Total risk-based capital ratio | 11.7807% | 5,678 |
| Memoranda: | ||
| Average total assets | $129,335,800 | 3,898 |
| Average earning assets | $118,517,800 | 3,912 |
| Average equity | $12,976,000 | 4,149 |
| Average total loans | $105,551,400 | 3,291 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,051 |
| Cost of funding earning assets | 0.7747% | 579 |
| Net interest margin | 3.9530% | 1,864 |
| Noninterest income to average assets | 0.2513% | 5,141 |
| Noninterest expense to average assets | 2.4745% | 4,273 |
| Loan and lease loss provision to assets | 0.1869% | 1,096 |
| Net operating income to assets | 0.7819% | 3,516 |
| Return on assets (ROA) | 0.7819% | 3,603 |
| Pretax return on assets | 1.2035% | 2,804 |
| Return on Equity (ROE) | 7.8230% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.2516% | 1,569 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0247% | 4,241 |
| Assets per employee ($millions) | 5.5436% | 1,746 |
| Cash dividends to net income (ytd only)* | 7.3040% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 3,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9001% | 1,098 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.5043% | 639 |
| Net loans and leases to deposits | 93.1103% | 1,290 |
| Net loans and leases to core deposits | 124.8995% | 355 |
| Total domestic deposits to total assets | 87.5352% | 1,786 |
| Equity capital to assets | 9.9311% | 4,254 |
| Core capital (leverage) ratio | 9.8151% | 3,883 |
| Tier 1 risk-based capital ratio | 10.3413% | 5,939 |
| Total risk-based capital ratio | 11.4600% | 5,922 |
| Memoranda: | ||
| Average total assets | $128,400,500 | 3,966 |
| Average earning assets | $117,374,750 | 3,976 |
| Average equity | $12,833,500 | 4,212 |
| Average total loans | $103,684,750 | 3,349 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 1,053 |
| Cost of funding earning assets | 0.7240% | 744 |
| Net interest margin | 3.9839% | 1,686 |
| Noninterest income to average assets | 0.2286% | 5,331 |
| Noninterest expense to average assets | 2.4564% | 4,375 |
| Loan and lease loss provision to assets | 0.1892% | 1,056 |
| Net operating income to assets | 0.7883% | 3,448 |
| Return on assets (ROA) | 0.7883% | 3,551 |
| Pretax return on assets | 1.2093% | 2,735 |
| Return on Equity (ROE) | 7.8697% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.0040% | 1,701 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7219% | 4,399 |
| Assets per employee ($millions) | 6.4917% | 1,055 |
| Cash dividends to net income (ytd only)* | 11.0000% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 3,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7701% | 1,316 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 72.7590% | 1,852 |
| Net loans and leases to deposits | 80.7612% | 2,688 |
| Net loans and leases to core deposits | 102.5036% | 1,294 |
| Total domestic deposits to total assets | 90.0916% | 620 |
| Equity capital to assets | 9.0675% | 5,172 |
| Core capital (leverage) ratio | 10.2420% | 3,290 |
| Tier 1 risk-based capital ratio | 10.2799% | 6,002 |
| Total risk-based capital ratio | 11.3660% | 5,997 |
| Memoranda: | ||
| Average total assets | $126,851,670 | 4,026 |
| Average earning assets | $115,464,330 | 4,040 |
| Average equity | $12,707,000 | 4,260 |
| Average total loans | $101,624,330 | 3,408 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 627 |
| Cost of funding earning assets | 0.7288% | 741 |
| Net interest margin | 4.2160% | 1,027 |
| Noninterest income to average assets | 0.1952% | 5,543 |
| Noninterest expense to average assets | 2.6618% | 3,716 |
| Loan and lease loss provision to assets | 0.2524% | 648 |
| Net operating income to assets | 0.6999% | 3,799 |
| Return on assets (ROA) | 0.6999% | 3,926 |
| Pretax return on assets | 1.0768% | 3,184 |
| Return on Equity (ROE) | 6.6108% | 3,703 |
| Retained earnings to average equity (ytd only) | 4.8627% | 3,136 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6948% | 4,034 |
| Assets per employee ($millions) | 6.0017% | 1,400 |
| Cash dividends to net income (ytd only)* | 26.4423% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 3,556 |
| Loan loss allowance to noncurrent loans | 339.8458% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 2.4301% | 894 |
| Noncurrent loans to loans | 0.3748% | 4,470 |
| Net loans and leases to total assets | 85.3558% | 230 |
| Net loans and leases to deposits | 102.8396% | 423 |
| Net loans and leases to core deposits | 128.9371% | 253 |
| Total domestic deposits to total assets | 82.9990% | 4,181 |
| Equity capital to assets | 10.5562% | 3,474 |
| Core capital (leverage) ratio | 10.6334% | 2,816 |
| Tier 1 risk-based capital ratio | 9.9108% | 6,190 |
| Total risk-based capital ratio | 10.9468% | 6,203 |
| Memoranda: | ||
| Average total assets | $118,868,500 | 4,205 |
| Average earning assets | $107,020,000 | 4,234 |
| Average equity | $12,585,500 | 4,307 |
| Average total loans | $99,796,500 | 3,455 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 926 |
| Cost of funding earning assets | 0.7737% | 748 |
| Net interest margin | 4.1258% | 1,500 |
| Noninterest income to average assets | 0.3575% | 4,542 |
| Noninterest expense to average assets | 2.9976% | 2,843 |
| Loan and lease loss provision to assets | 0.1467% | 1,799 |
| Net operating income to assets | 0.5879% | 4,434 |
| Return on assets (ROA) | 0.5879% | 4,508 |
| Pretax return on assets | 0.8942% | 3,930 |
| Return on Equity (ROE) | 4.8834% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.8834% | 2,691 |
| Net charge-offs to loans | -0.0086% | 5,534 |
| Credit loss provision to net charge-offs | -2,128.5714% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2258% | 2,800 |
| Assets per employee ($millions) | 5.1175% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 3,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1478% | 1,141 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.3446% | 695 |
| Net loans and leases to deposits | 98.4089% | 732 |
| Net loans and leases to core deposits | 122.0988% | 367 |
| Total domestic deposits to total assets | 81.6436% | 4,552 |
| Equity capital to assets | 10.6200% | 3,333 |
| Core capital (leverage) ratio | 11.2954% | 2,137 |
| Tier 1 risk-based capital ratio | 12.2168% | 5,215 |
| Total risk-based capital ratio | 13.4361% | 5,153 |
| Memoranda: | ||
| Average total assets | $101,546,800 | 4,562 |
| Average earning assets | $90,599,600 | 4,637 |
| Average equity | $12,225,000 | 4,318 |
| Average total loans | $81,331,400 | 3,838 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 960 |
| Cost of funding earning assets | 0.7741% | 785 |
| Net interest margin | 4.1106% | 1,543 |
| Noninterest income to average assets | 0.3637% | 4,520 |
| Noninterest expense to average assets | 3.0534% | 2,624 |
| Loan and lease loss provision to assets | 0.0150% | 4,114 |
| Net operating income to assets | 0.6263% | 4,323 |
| Return on assets (ROA) | 0.6263% | 4,424 |
| Pretax return on assets | 0.9695% | 3,718 |
| Return on Equity (ROE) | 5.0233% | 4,708 |
| Retained earnings to average equity (ytd only) | 5.0233% | 3,061 |
| Net charge-offs to loans | -0.0120% | 5,472 |
| Credit loss provision to net charge-offs | -157.1429% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6180% | 2,556 |
| Assets per employee ($millions) | 4.6223% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3779% | 1,144 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 79.8775% | 724 |
| Net loans and leases to deposits | 91.7192% | 1,256 |
| Net loans and leases to core deposits | 109.2133% | 781 |
| Total domestic deposits to total assets | 87.0892% | 2,268 |
| Equity capital to assets | 11.6344% | 2,371 |
| Core capital (leverage) ratio | 12.6398% | 1,335 |
| Tier 1 risk-based capital ratio | 13.2950% | 4,675 |
| Total risk-based capital ratio | 14.4883% | 4,641 |
| Memoranda: | ||
| Average total assets | $97,507,750 | 4,707 |
| Average earning assets | $87,153,750 | 4,766 |
| Average equity | $12,156,250 | 4,356 |
| Average total loans | $77,710,500 | 3,974 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 807 |
| Cost of funding earning assets | 0.7928% | 742 |
| Net interest margin | 4.1639% | 1,335 |
| Noninterest income to average assets | 0.4441% | 3,911 |
| Noninterest expense to average assets | 2.9840% | 2,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7550% | 3,545 |
| Return on assets (ROA) | 0.7550% | 3,646 |
| Pretax return on assets | 1.1589% | 2,838 |
| Return on Equity (ROE) | 5.9080% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.9080% | 2,373 |
| Net charge-offs to loans | -0.0133% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0265% | 3,337 |
| Assets per employee ($millions) | 3.9053% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 3,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6972% | 987 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.0146% | 796 |
| Net loans and leases to deposits | 92.3393% | 1,114 |
| Net loans and leases to core deposits | 104.6786% | 972 |
| Total domestic deposits to total assets | 85.5698% | 3,258 |
| Equity capital to assets | 13.0880% | 1,329 |
| Core capital (leverage) ratio | 12.8299% | 1,223 |
| Tier 1 risk-based capital ratio | 14.6072% | 3,864 |
| Total risk-based capital ratio | 15.8577% | 3,810 |
| Memoranda: | ||
| Average total assets | $94,572,330 | 4,811 |
| Average earning assets | $84,008,330 | 4,868 |
| Average equity | $12,085,330 | 4,379 |
| Average total loans | $74,937,330 | 4,075 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 736 |
| Cost of funding earning assets | 0.7945% | 765 |
| Net interest margin | 4.1915% | 1,244 |
| Noninterest income to average assets | 0.3369% | 4,681 |
| Noninterest expense to average assets | 2.6780% | 4,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8969% | 2,673 |
| Return on assets (ROA) | 0.8969% | 2,732 |
| Pretax return on assets | 1.3685% | 1,855 |
| Return on Equity (ROE) | 7.1033% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.1033% | 1,981 |
| Net charge-offs to loans | -0.0107% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1811% | 4,502 |
| Assets per employee ($millions) | 4.7773% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 3,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6458% | 1,165 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 74.4552% | 1,199 |
| Net loans and leases to deposits | 86.4418% | 1,539 |
| Net loans and leases to core deposits | 97.3427% | 1,289 |
| Total domestic deposits to total assets | 86.1334% | 3,290 |
| Equity capital to assets | 12.6724% | 1,472 |
| Core capital (leverage) ratio | 12.7353% | 1,281 |
| Tier 1 risk-based capital ratio | 15.0103% | 3,709 |
| Total risk-based capital ratio | 16.2609% | 3,653 |
| Memoranda: | ||
| Average total assets | $94,995,000 | 4,840 |
| Average earning assets | $84,075,500 | 4,915 |
| Average equity | $11,994,500 | 4,422 |
| Average total loans | $74,829,000 | 4,107 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 852 |
| Cost of funding earning assets | 0.8456% | 968 |
| Net interest margin | 4.1929% | 1,370 |
| Noninterest income to average assets | 0.7620% | 2,249 |
| Noninterest expense to average assets | 3.0046% | 3,044 |
| Loan and lease loss provision to assets | 0.1201% | 2,816 |
| Net operating income to assets | 1.3180% | 1,208 |
| Return on assets (ROA) | 1.3180% | 1,243 |
| Pretax return on assets | 1.3542% | 1,950 |
| Return on Equity (ROE) | 11.3797% | 1,645 |
| Retained earnings to average equity (ytd only) | 11.3797% | 379 |
| Net charge-offs to loans | -0.0268% | 6,205 |
| Credit loss provision to net charge-offs | -580.0000% | 6,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0828% | 4,359 |
| Assets per employee ($millions) | 4.7222% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 3,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6704% | 1,257 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 80.8257% | 513 |
| Net loans and leases to deposits | 93.8584% | 887 |
| Net loans and leases to core deposits | 106.1771% | 789 |
| Total domestic deposits to total assets | 86.1145% | 3,196 |
| Equity capital to assets | 12.5799% | 1,474 |
| Core capital (leverage) ratio | 12.0563% | 1,568 |
| Tier 1 risk-based capital ratio | 14.0835% | 4,242 |
| Total risk-based capital ratio | 15.3323% | 4,184 |
| Memoranda: | ||
| Average total assets | $96,586,000 | 4,826 |
| Average earning assets | $85,620,200 | 4,892 |
| Average equity | $11,186,600 | 4,602 |
| Average total loans | $74,607,400 | 4,105 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 1,135 |
| Cost of funding earning assets | 0.8483% | 1,057 |
| Net interest margin | 4.0463% | 1,798 |
| Noninterest income to average assets | 0.7098% | 2,553 |
| Noninterest expense to average assets | 2.9941% | 3,016 |
| Loan and lease loss provision to assets | 0.0082% | 4,817 |
| Net operating income to assets | 1.1271% | 1,898 |
| Return on assets (ROA) | 1.1271% | 1,965 |
| Pretax return on assets | 1.2959% | 2,349 |
| Return on Equity (ROE) | 9.9395% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.9395% | 801 |
| Net charge-offs to loans | -0.0325% | 6,184 |
| Credit loss provision to net charge-offs | -33.3333% | 5,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6583% | 3,810 |
| Assets per employee ($millions) | 4.8162% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 4,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6182% | 1,443 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 85.5083% | 169 |
| Net loans and leases to deposits | 101.6751% | 400 |
| Net loans and leases to core deposits | 110.7205% | 553 |
| Total domestic deposits to total assets | 84.0995% | 4,150 |
| Equity capital to assets | 11.8755% | 1,999 |
| Core capital (leverage) ratio | 11.9713% | 1,693 |
| Tier 1 risk-based capital ratio | 12.6379% | 5,370 |
| Total risk-based capital ratio | 13.7189% | 5,413 |
| Memoranda: | ||
| Average total assets | $97,121,500 | 4,851 |
| Average earning assets | $86,133,750 | 4,923 |
| Average equity | $11,013,000 | 4,682 |
| Average total loans | $73,902,750 | 4,160 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 1,273 |
| Cost of funding earning assets | 0.8705% | 1,027 |
| Net interest margin | 3.9567% | 2,020 |
| Noninterest income to average assets | 0.7003% | 2,638 |
| Noninterest expense to average assets | 3.0435% | 2,863 |
| Loan and lease loss provision to assets | 0.0123% | 4,634 |
| Net operating income to assets | 1.0186% | 2,252 |
| Return on assets (ROA) | 1.0186% | 2,372 |
| Pretax return on assets | 1.1357% | 2,947 |
| Return on Equity (ROE) | 9.1252% | 2,559 |
| Retained earnings to average equity (ytd only) | 9.1252% | 1,077 |
| Net charge-offs to loans | -0.0452% | 6,227 |
| Credit loss provision to net charge-offs | -37.5000% | 5,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6115% | 3,370 |
| Assets per employee ($millions) | 5.1376% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 4,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5836% | 1,626 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 75.9000% | 997 |
| Net loans and leases to deposits | 86.8773% | 1,473 |
| Net loans and leases to core deposits | 92.9808% | 1,610 |
| Total domestic deposits to total assets | 87.3645% | 2,607 |
| Equity capital to assets | 11.3631% | 2,413 |
| Core capital (leverage) ratio | 11.3868% | 2,028 |
| Tier 1 risk-based capital ratio | 13.5817% | 4,723 |
| Total risk-based capital ratio | 14.7750% | 4,710 |
| Memoranda: | ||
| Average total assets | $97,387,330 | 4,872 |
| Average earning assets | $85,931,000 | 4,953 |
| Average equity | $10,871,000 | 4,752 |
| Average total loans | $70,755,670 | 4,284 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,665 |
| Cost of funding earning assets | 0.9037% | 972 |
| Net interest margin | 3.7500% | 2,666 |
| Noninterest income to average assets | 0.6292% | 2,984 |
| Noninterest expense to average assets | 2.8908% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0486% | 2,044 |
| Return on assets (ROA) | 1.0486% | 2,152 |
| Pretax return on assets | 1.0486% | 3,154 |
| Return on Equity (ROE) | 9.4791% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.4791% | 1,250 |
| Net charge-offs to loans | -0.0758% | 6,318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3820% | 3,375 |
| Assets per employee ($millions) | 5.0131% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 4,223 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5164% | 1,825 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.9167% | 2,026 |
| Net loans and leases to deposits | 79.4016% | 2,163 |
| Net loans and leases to core deposits | 85.5753% | 2,153 |
| Total domestic deposits to total assets | 85.5358% | 3,779 |
| Equity capital to assets | 10.8597% | 3,126 |
| Core capital (leverage) ratio | 11.1895% | 2,107 |
| Tier 1 risk-based capital ratio | 13.8668% | 4,601 |
| Total risk-based capital ratio | 15.1023% | 4,575 |
| Memoranda: | ||
| Average total assets | $97,274,000 | 4,919 |
| Average earning assets | $85,867,000 | 4,987 |
| Average equity | $10,760,500 | 4,820 |
| Average total loans | $68,600,500 | 4,392 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 689 |
| Cost of funding earning assets | 0.9904% | 1,407 |
| Net interest margin | 4.4581% | 1,025 |
| Noninterest income to average assets | 0.9569% | 1,676 |
| Noninterest expense to average assets | 3.1936% | 2,637 |
| Loan and lease loss provision to assets | 0.3550% | 1,883 |
| Net operating income to assets | 1.2566% | 1,432 |
| Return on assets (ROA) | 1.2566% | 1,588 |
| Pretax return on assets | 1.2566% | 2,585 |
| Return on Equity (ROE) | 10.2222% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.2222% | 554 |
| Net charge-offs to loans | -0.0065% | 6,416 |
| Credit loss provision to net charge-offs | -7,225.0000% | 6,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4622% | 4,418 |
| Assets per employee ($millions) | 5.8929% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6759% | 1,804 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 71.2548% | 1,609 |
| Net loans and leases to deposits | 84.1430% | 1,737 |
| Net loans and leases to core deposits | 93.0230% | 1,554 |
| Total domestic deposits to total assets | 84.6829% | 3,996 |
| Equity capital to assets | 11.2773% | 2,651 |
| Core capital (leverage) ratio | 11.5498% | 1,843 |
| Tier 1 risk-based capital ratio | 13.5927% | 4,679 |
| Total risk-based capital ratio | 14.8144% | 4,655 |
| Memoranda: | ||
| Average total assets | $81,412,000 | 5,315 |
| Average earning assets | $70,276,600 | 5,418 |
| Average equity | $10,007,600 | 4,980 |
| Average total loans | $61,284,200 | 4,665 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5133% | 659 |
| Cost of funding earning assets | 0.9698% | 1,741 |
| Net interest margin | 4.5435% | 913 |
| Noninterest income to average assets | 0.7827% | 2,318 |
| Noninterest expense to average assets | 3.2756% | 2,344 |
| Loan and lease loss provision to assets | 0.4075% | 1,574 |
| Net operating income to assets | 1.0060% | 2,470 |
| Return on assets (ROA) | 1.0060% | 2,702 |
| Pretax return on assets | 1.0060% | 3,682 |
| Return on Equity (ROE) | 7.9853% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.9853% | 1,621 |
| Net charge-offs to loans | 0.0022% | 5,742 |
| Credit loss provision to net charge-offs | 23,900.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 831.0602% | 47 |
| Efficiency ratio | 69.8545% | 3,715 |
| Assets per employee ($millions) | 5.2443% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6727% | 1,968 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 72.0651% | 1,544 |
| Net loans and leases to deposits | 87.2545% | 1,447 |
| Net loans and leases to core deposits | 96.7145% | 1,349 |
| Total domestic deposits to total assets | 82.5918% | 4,792 |
| Equity capital to assets | 10.8106% | 3,489 |
| Core capital (leverage) ratio | 12.2142% | 1,528 |
| Tier 1 risk-based capital ratio | 12.8776% | 5,346 |
| Total risk-based capital ratio | 14.0148% | 5,391 |
| Memoranda: | ||
| Average total assets | $78,193,250 | 5,454 |
| Average earning assets | $67,229,750 | 5,574 |
| Average equity | $9,851,250 | 5,062 |
| Average total loans | $59,570,500 | 4,780 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6115% | 567 |
| Cost of funding earning assets | 0.9922% | 1,813 |
| Net interest margin | 4.6193% | 795 |
| Noninterest income to average assets | 0.3847% | 4,761 |
| Noninterest expense to average assets | 3.3108% | 2,281 |
| Loan and lease loss provision to assets | 0.2775% | 2,368 |
| Net operating income to assets | 0.7363% | 3,672 |
| Return on assets (ROA) | 0.7363% | 3,940 |
| Pretax return on assets | 0.7363% | 4,718 |
| Return on Equity (ROE) | 5.5069% | 4,580 |
| Retained earnings to average equity (ytd only) | 5.5069% | 2,984 |
| Net charge-offs to loans | 0.0106% | 5,308 |
| Credit loss provision to net charge-offs | 3,366.6667% | 87 |
| Earnings coverage of net charge-offs (x) | 123.0000% | 361 |
| Efficiency ratio | 76.5565% | 2,660 |
| Assets per employee ($millions) | 3.8780% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 4,925 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.4242% | 1,563 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 78.8049% | 637 |
| Net loans and leases to deposits | 91.9507% | 957 |
| Net loans and leases to core deposits | 100.7810% | 1,050 |
| Total domestic deposits to total assets | 85.7034% | 3,505 |
| Equity capital to assets | 13.4035% | 1,339 |
| Core capital (leverage) ratio | 13.7121% | 898 |
| Tier 1 risk-based capital ratio | 14.3378% | 4,218 |
| Total risk-based capital ratio | 15.4418% | 4,274 |
| Memoranda: | ||
| Average total assets | $72,791,670 | 5,645 |
| Average earning assets | $62,086,670 | 5,763 |
| Average equity | $9,733,330 | 5,098 |
| Average total loans | $56,451,330 | 4,932 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 615 |
| Cost of funding earning assets | 1.0480% | 1,691 |
| Net interest margin | 4.5631% | 886 |
| Noninterest income to average assets | 0.4091% | 4,604 |
| Noninterest expense to average assets | 3.3340% | 2,191 |
| Loan and lease loss provision to assets | 0.2764% | 2,250 |
| Net operating income to assets | 0.6745% | 4,010 |
| Return on assets (ROA) | 0.6745% | 4,224 |
| Pretax return on assets | 0.6745% | 4,874 |
| Return on Equity (ROE) | 5.0507% | 4,763 |
| Retained earnings to average equity (ytd only) | 5.0507% | 3,525 |
| Net charge-offs to loans | 0.0651% | 3,839 |
| Credit loss provision to net charge-offs | 555.5556% | 606 |
| Earnings coverage of net charge-offs (x) | 19.1111% | 1,237 |
| Efficiency ratio | 77.8065% | 2,522 |
| Assets per employee ($millions) | 3.9965% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 5,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.5072% | 1,637 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 75.9734% | 801 |
| Net loans and leases to deposits | 88.7008% | 1,086 |
| Net loans and leases to core deposits | 97.1143% | 1,192 |
| Total domestic deposits to total assets | 85.6513% | 3,716 |
| Equity capital to assets | 13.5146% | 1,234 |
| Core capital (leverage) ratio | 13.3792% | 995 |
| Tier 1 risk-based capital ratio | 14.6687% | 3,975 |
| Total risk-based capital ratio | 15.7294% | 4,089 |
| Memoranda: | ||
| Average total assets | $72,346,500 | 5,701 |
| Average earning assets | $61,450,000 | 5,827 |
| Average equity | $9,662,000 | 5,127 |
| Average total loans | $55,264,500 | 5,007 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8131% | 627 |
| Cost of funding earning assets | 1.1433% | 2,391 |
| Net interest margin | 4.6698% | 800 |
| Noninterest income to average assets | 0.7051% | 2,577 |
| Noninterest expense to average assets | 3.7910% | 1,362 |
| Loan and lease loss provision to assets | 0.4041% | 2,578 |
| Net operating income to assets | 0.4353% | 4,714 |
| Return on assets (ROA) | 0.4353% | 4,915 |
| Pretax return on assets | 0.4353% | 5,187 |
| Return on Equity (ROE) | 2.9576% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.9576% | 4,133 |
| Net charge-offs to loans | 0.2245% | 4,379 |
| Credit loss provision to net charge-offs | 231.2500% | 1,050 |
| Earnings coverage of net charge-offs (x) | 4.8036% | 2,973 |
| Efficiency ratio | 81.8733% | 2,040 |
| Assets per employee ($millions) | 5.1969% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 5,389 |
| Loan loss allowance to noncurrent loans | 51.8403% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 5.2229% | 1,002 |
| Noncurrent loans to loans | 2.3145% | 2,842 |
| Net loans and leases to total assets | 74.9230% | 1,101 |
| Net loans and leases to deposits | 87.2539% | 1,482 |
| Net loans and leases to core deposits | 95.3873% | 1,552 |
| Total domestic deposits to total assets | 85.8678% | 3,390 |
| Equity capital to assets | 13.1975% | 1,398 |
| Core capital (leverage) ratio | 13.6031% | 925 |
| Tier 1 risk-based capital ratio | 15.0733% | 3,597 |
| Total risk-based capital ratio | 16.1125% | 3,693 |
| Memoranda: | ||
| Average total assets | $64,100,000 | 5,923 |
| Average earning assets | $53,878,000 | 6,050 |
| Average equity | $9,433,200 | 5,170 |
| Average total loans | $49,882,200 | 5,270 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8076% | 693 |
| Cost of funding earning assets | 1.1574% | 2,586 |
| Net interest margin | 4.6502% | 850 |
| Noninterest income to average assets | 0.5554% | 3,476 |
| Noninterest expense to average assets | 3.7199% | 1,454 |
| Loan and lease loss provision to assets | 0.3509% | 2,768 |
| Net operating income to assets | 0.3853% | 5,062 |
| Return on assets (ROA) | 0.3853% | 5,249 |
| Pretax return on assets | 0.3853% | 5,514 |
| Return on Equity (ROE) | 2.5414% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.5414% | 4,841 |
| Net charge-offs to loans | -0.0137% | 6,832 |
| Credit loss provision to net charge-offs | -3,260.0000% | 6,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4783% | 1,794 |
| Assets per employee ($millions) | 4.2898% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 5,461 |
| Loan loss allowance to noncurrent loans | 48.8555% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 5.7127% | 963 |
| Noncurrent loans to loans | 2.4572% | 2,818 |
| Net loans and leases to total assets | 81.8987% | 367 |
| Net loans and leases to deposits | 97.6479% | 596 |
| Net loans and leases to core deposits | 104.3068% | 962 |
| Total domestic deposits to total assets | 83.8714% | 4,293 |
| Equity capital to assets | 13.8440% | 1,229 |
| Core capital (leverage) ratio | 14.2761% | 825 |
| Tier 1 risk-based capital ratio | 15.1077% | 3,605 |
| Total risk-based capital ratio | 16.1937% | 3,666 |
| Memoranda: | ||
| Average total assets | $61,936,000 | 6,033 |
| Average earning assets | $51,953,750 | 6,177 |
| Average equity | $9,391,000 | 5,209 |
| Average total loans | $48,559,500 | 5,366 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7106% | 857 |
| Cost of funding earning assets | 1.1922% | 2,629 |
| Net interest margin | 4.5184% | 1,091 |
| Noninterest income to average assets | 0.5829% | 3,245 |
| Noninterest expense to average assets | 3.8290% | 1,309 |
| Loan and lease loss provision to assets | 0.3316% | 2,790 |
| Net operating income to assets | 0.1675% | 5,840 |
| Return on assets (ROA) | 0.1675% | 5,937 |
| Pretax return on assets | 0.1675% | 5,987 |
| Return on Equity (ROE) | 1.0691% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.0691% | 5,434 |
| Net charge-offs to loans | -0.0175% | 6,793 |
| Credit loss provision to net charge-offs | -2,475.0000% | 6,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4675% | 1,367 |
| Assets per employee ($millions) | 4.3001% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2301% | 5,414 |
| Loan loss allowance to noncurrent loans | 44.1744% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 6.8154% | 767 |
| Noncurrent loans to loans | 2.7846% | 2,614 |
| Net loans and leases to total assets | 76.9337% | 926 |
| Net loans and leases to deposits | 96.2862% | 702 |
| Net loans and leases to core deposits | 101.5284% | 1,210 |
| Total domestic deposits to total assets | 79.9011% | 5,849 |
| Equity capital to assets | 14.5316% | 931 |
| Core capital (leverage) ratio | 15.5607% | 564 |
| Tier 1 risk-based capital ratio | 16.0913% | 2,934 |
| Total risk-based capital ratio | 17.1522% | 3,004 |
| Memoranda: | ||
| Average total assets | $59,702,670 | 6,148 |
| Average earning assets | $49,486,670 | 6,317 |
| Average equity | $9,354,000 | 5,221 |
| Average total loans | $45,781,000 | 5,529 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 1,133 |
| Cost of funding earning assets | 1.2577% | 2,453 |
| Net interest margin | 4.3096% | 1,534 |
| Noninterest income to average assets | 0.6771% | 2,692 |
| Noninterest expense to average assets | 3.8671% | 1,223 |
| Loan and lease loss provision to assets | 0.0977% | 4,787 |
| Net operating income to assets | 0.3002% | 5,399 |
| Return on assets (ROA) | 0.3002% | 5,467 |
| Pretax return on assets | 0.3002% | 5,647 |
| Return on Equity (ROE) | 1.8407% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.8407% | 5,008 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6710% | 1,270 |
| Assets per employee ($millions) | 3.6681% | 4,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,641 |
| Loan loss allowance to noncurrent loans | 34.7569% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 7.5738% | 655 |
| Noncurrent loans to loans | 3.4487% | 2,170 |
| Net loans and leases to total assets | 74.2967% | 1,304 |
| Net loans and leases to deposits | 89.4184% | 1,306 |
| Net loans and leases to core deposits | 95.9236% | 1,678 |
| Total domestic deposits to total assets | 83.0888% | 4,893 |
| Equity capital to assets | 15.9587% | 580 |
| Core capital (leverage) ratio | 16.4002% | 444 |
| Tier 1 risk-based capital ratio | 17.7733% | 2,190 |
| Total risk-based capital ratio | 18.7772% | 2,251 |
| Memoranda: | ||
| Average total assets | $57,303,500 | 6,277 |
| Average earning assets | $47,707,000 | 6,423 |
| Average equity | $9,344,500 | 5,216 |
| Average total loans | $43,551,000 | 5,677 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5993% | 1,889 |
| Cost of funding earning assets | 1.5922% | 2,113 |
| Net interest margin | 4.0072% | 2,994 |
| Noninterest income to average assets | 1.9688% | 406 |
| Noninterest expense to average assets | 4.8940% | 457 |
| Loan and lease loss provision to assets | 0.7959% | 2,049 |
| Net operating income to assets | -0.4334% | 6,342 |
| Return on assets (ROA) | -0.4334% | 6,369 |
| Pretax return on assets | -0.4334% | 6,272 |
| Return on Equity (ROE) | -2.2150% | 6,196 |
| Retained earnings to average equity (ytd only) | -2.2150% | 6,000 |
| Net charge-offs to loans | 0.8859% | 2,418 |
| Credit loss provision to net charge-offs | 129.9320% | 3,067 |
| Earnings coverage of net charge-offs (x) | 0.5918% | 5,512 |
| Efficiency ratio | 93.1034% | 1,113 |
| Assets per employee ($millions) | 3.4949% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 5,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.2273% | 1,196 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.9219% | 1,286 |
| Net loans and leases to deposits | 93.2645% | 1,122 |
| Net loans and leases to core deposits | 108.0667% | 1,042 |
| Total domestic deposits to total assets | 81.4049% | 5,386 |
| Equity capital to assets | 16.6726% | 495 |
| Core capital (leverage) ratio | 17.6315% | 351 |
| Tier 1 risk-based capital ratio | 18.8222% | 1,762 |
| Total risk-based capital ratio | 19.8619% | 1,782 |
| Memoranda: | ||
| Average total assets | $47,997,800 | 6,603 |
| Average earning assets | $39,379,600 | 6,740 |
| Average equity | $9,390,600 | 5,300 |
| Average total loans | $33,188,200 | 6,249 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 2,003 |
| Cost of funding earning assets | 1.6736% | 1,992 |
| Net interest margin | 3.9441% | 3,345 |
| Noninterest income to average assets | 1.7413% | 473 |
| Noninterest expense to average assets | 4.9632% | 394 |
| Loan and lease loss provision to assets | 0.5447% | 2,772 |
| Net operating income to assets | -0.5505% | 6,631 |
| Return on assets (ROA) | -0.5505% | 6,686 |
| Pretax return on assets | -0.5505% | 6,585 |
| Return on Equity (ROE) | -2.6929% | 6,469 |
| Retained earnings to average equity (ytd only) | -2.6929% | 6,312 |
| Net charge-offs to loans | 1.0148% | 1,982 |
| Credit loss provision to net charge-offs | 80.3419% | 5,122 |
| Earnings coverage of net charge-offs (x) | -0.0086% | 6,037 |
| Efficiency ratio | 100.1169% | 739 |
| Assets per employee ($millions) | 2.8420% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 5,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 6.3501% | 906 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.9070% | 2,512 |
| Net loans and leases to deposits | 91.2160% | 1,548 |
| Net loans and leases to core deposits | 106.2956% | 1,298 |
| Total domestic deposits to total assets | 77.7352% | 6,314 |
| Equity capital to assets | 19.3339% | 331 |
| Core capital (leverage) ratio | 20.1397% | 244 |
| Tier 1 risk-based capital ratio | 22.4295% | 1,144 |
| Total risk-based capital ratio | 23.3444% | 1,165 |
| Memoranda: | ||
| Average total assets | $46,017,750 | 6,737 |
| Average earning assets | $37,523,250 | 6,891 |
| Average equity | $9,407,500 | 5,373 |
| Average total loans | $30,743,000 | 6,447 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4141% | 2,914 |
| Cost of funding earning assets | 1.7202% | 2,012 |
| Net interest margin | 3.6939% | 4,393 |
| Noninterest income to average assets | 0.8707% | 1,799 |
| Noninterest expense to average assets | 4.3048% | 725 |
| Loan and lease loss provision to assets | 0.5171% | 2,729 |
| Net operating income to assets | -0.9237% | 6,911 |
| Return on assets (ROA) | -0.9237% | 6,930 |
| Pretax return on assets | -0.9237% | 6,853 |
| Return on Equity (ROE) | -4.4328% | 6,650 |
| Retained earnings to average equity (ytd only) | -4.4328% | 6,491 |
| Net charge-offs to loans | 1.3109% | 1,451 |
| Credit loss provision to net charge-offs | 60.6218% | 5,193 |
| Earnings coverage of net charge-offs (x) | -0.4767% | 6,008 |
| Efficiency ratio | 110.4308% | 543 |
| Assets per employee ($millions) | 2.7359% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 5,997 |
| Loan loss allowance to noncurrent loans | 212.0482% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 6,022 |
| Noncurrent loans to loans | 0.5133% | 6,225 |
| Net loans and leases to total assets | 68.7773% | 3,177 |
| Net loans and leases to deposits | 86.4217% | 2,440 |
| Net loans and leases to core deposits | 91.7090% | 3,027 |
| Total domestic deposits to total assets | 79.5833% | 5,867 |
| Equity capital to assets | 20.0404% | 283 |
| Core capital (leverage) ratio | 20.2125% | 238 |
| Tier 1 risk-based capital ratio | 24.4851% | 894 |
| Total risk-based capital ratio | 25.4098% | 906 |
| Memoranda: | ||
| Average total assets | $45,252,330 | 6,822 |
| Average earning assets | $37,088,670 | 6,966 |
| Average equity | $9,429,670 | 5,367 |
| Average total loans | $29,444,330 | 6,558 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2844% | 3,618 |
| Cost of funding earning assets | 1.7542% | 2,108 |
| Net interest margin | 3.5301% | 5,039 |
| Noninterest income to average assets | 0.2600% | 6,069 |
| Noninterest expense to average assets | 3.7021% | 1,512 |
| Loan and lease loss provision to assets | 0.3227% | 3,480 |
| Net operating income to assets | -0.8426% | 7,028 |
| Return on assets (ROA) | -0.8426% | 7,058 |
| Pretax return on assets | -0.8426% | 6,972 |
| Return on Equity (ROE) | -3.9646% | 6,818 |
| Retained earnings to average equity (ytd only) | -3.9646% | 6,492 |
| Net charge-offs to loans | 0.4858% | 2,603 |
| Credit loss provision to net charge-offs | 105.8824% | 3,245 |
| Earnings coverage of net charge-offs (x) | -1.7059% | 5,446 |
| Efficiency ratio | 116.3380% | 489 |
| Assets per employee ($millions) | 3.0206% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 3,837 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 6,571 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 61.5948% | 4,839 |
| Net loans and leases to deposits | 78.1671% | 4,011 |
| Net loans and leases to core deposits | 83.1115% | 4,324 |
| Total domestic deposits to total assets | 78.7989% | 6,124 |
| Equity capital to assets | 20.8281% | 248 |
| Core capital (leverage) ratio | 20.9954% | 212 |
| Tier 1 risk-based capital ratio | 26.5285% | 736 |
| Total risk-based capital ratio | 27.7345% | 726 |
| Memoranda: | ||
| Average total assets | $44,623,000 | 6,932 |
| Average earning assets | $36,939,000 | 7,059 |
| Average equity | $9,484,000 | 5,393 |
| Average total loans | $27,996,000 | 6,720 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7928% | 2,690 |
| Cost of funding earning assets | 1.9468% | 3,230 |
| Net interest margin | 3.8460% | 3,504 |
| Noninterest income to average assets | 0.1764% | 6,818 |
| Noninterest expense to average assets | 3.9158% | 1,488 |
| Loan and lease loss provision to assets | 0.2907% | 5,100 |
| Net operating income to assets | -0.8199% | 6,452 |
| Return on assets (ROA) | -0.8199% | 6,451 |
| Pretax return on assets | -0.8199% | 6,279 |
| Return on Equity (ROE) | -3.4139% | 6,043 |
| Retained earnings to average equity (ytd only) | -3.4139% | 5,772 |
| Net charge-offs to loans | 0.0038% | 7,194 |
| Credit loss provision to net charge-offs | 11,700.0000% | 30 |
| Earnings coverage of net charge-offs (x) | -213.0000% | 7,232 |
| Efficiency ratio | 115.6273% | 678 |
| Assets per employee ($millions) | 3.6614% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,502 |
| Loan loss allowance to noncurrent loans | 215.6566% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 6,328 |
| Noncurrent loans to loans | 0.7160% | 5,817 |
| Net loans and leases to total assets | 61.9705% | 4,993 |
| Net loans and leases to deposits | 79.5652% | 4,079 |
| Net loans and leases to core deposits | 103.2106% | 3,663 |
| Total domestic deposits to total assets | 77.8865% | 6,248 |
| Equity capital to assets | 21.6924% | 230 |
| Core capital (leverage) ratio | 21.8882% | 211 |
| Tier 1 risk-based capital ratio | 27.2868% | 684 |
| Total risk-based capital ratio | 28.5093% | 674 |
| Memoranda: | ||
| Average total assets | $40,247,000 | 7,083 |
| Average earning assets | $33,593,600 | 7,205 |
| Average equity | $9,666,400 | 5,395 |
| Average total loans | $26,537,200 | 6,827 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8728% | 2,572 |
| Cost of funding earning assets | 1.9820% | 3,459 |
| Net interest margin | 3.8908% | 3,262 |
| Noninterest income to average assets | 0.1695% | 6,995 |
| Noninterest expense to average assets | 4.0177% | 1,255 |
| Loan and lease loss provision to assets | 0.2780% | 4,751 |
| Net operating income to assets | -0.8849% | 6,752 |
| Return on assets (ROA) | -0.8849% | 6,755 |
| Pretax return on assets | -0.8849% | 6,600 |
| Return on Equity (ROE) | -3.5874% | 6,303 |
| Retained earnings to average equity (ytd only) | -3.5874% | 6,042 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7932% | 630 |
| Assets per employee ($millions) | 3.7840% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3579% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 68.5854% | 3,827 |
| Net loans and leases to deposits | 89.5905% | 2,654 |
| Net loans and leases to core deposits | 117.5879% | 2,461 |
| Total domestic deposits to total assets | 76.5544% | 6,456 |
| Equity capital to assets | 23.0636% | 212 |
| Core capital (leverage) ratio | 23.2103% | 203 |
| Tier 1 risk-based capital ratio | 28.0137% | 683 |
| Total risk-based capital ratio | 29.1605% | 675 |
| Memoranda: | ||
| Average total assets | $39,324,500 | 7,186 |
| Average earning assets | $32,760,250 | 7,298 |
| Average equity | $9,700,250 | 5,429 |
| Average total loans | $26,257,750 | 6,899 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9537% | 2,367 |
| Cost of funding earning assets | 2.0240% | 3,659 |
| Net interest margin | 3.9297% | 2,978 |
| Noninterest income to average assets | 0.1712% | 7,069 |
| Noninterest expense to average assets | 4.1963% | 1,078 |
| Loan and lease loss provision to assets | 0.2386% | 4,679 |
| Net operating income to assets | -0.9907% | 6,977 |
| Return on assets (ROA) | -0.9907% | 6,977 |
| Pretax return on assets | -0.9907% | 6,810 |
| Return on Equity (ROE) | -3.9245% | 6,473 |
| Retained earnings to average equity (ytd only) | -3.9245% | 6,126 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8373% | 632 |
| Assets per employee ($millions) | 4.1366% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 4,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 64.0405% | 4,973 |
| Net loans and leases to deposits | 84.1038% | 3,861 |
| Net loans and leases to core deposits | 107.5864% | 3,654 |
| Total domestic deposits to total assets | 76.1447% | 6,518 |
| Equity capital to assets | 23.3767% | 240 |
| Core capital (leverage) ratio | 24.4124% | 219 |
| Tier 1 risk-based capital ratio | 27.9957% | 718 |
| Total risk-based capital ratio | 29.0293% | 713 |
| Memoranda: | ||
| Average total assets | $38,558,000 | 7,273 |
| Average earning assets | $32,114,670 | 7,393 |
| Average equity | $9,733,670 | 5,444 |
| Average total loans | $25,363,330 | 7,003 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6530% | 4,033 |
| Cost of funding earning assets | 2.2612% | 2,880 |
| Net interest margin | 3.3918% | 5,170 |
| Noninterest income to average assets | 0.1507% | 7,222 |
| Noninterest expense to average assets | 4.7155% | 586 |
| Loan and lease loss provision to assets | 0.3122% | 3,471 |
| Net operating income to assets | -2.0671% | 7,676 |
| Return on assets (ROA) | -2.0671% | 7,671 |
| Pretax return on assets | -2.0671% | 7,550 |
| Return on Equity (ROE) | -7.8644% | 7,231 |
| Retained earnings to average equity (ytd only) | -7.8644% | 6,902 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.2727% | 313 |
| Assets per employee ($millions) | 4.0103% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 3,923 |
| Loan loss allowance to noncurrent loans | 81.1005% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0423% | 4,607 |
| Noncurrent loans to loans | 1.6372% | 3,819 |
| Net loans and leases to total assets | 62.8207% | 5,186 |
| Net loans and leases to deposits | 83.2221% | 4,103 |
| Net loans and leases to core deposits | 100.3785% | 4,504 |
| Total domestic deposits to total assets | 75.4856% | 6,606 |
| Equity capital to assets | 24.1129% | 244 |
| Core capital (leverage) ratio | 24.4186% | 246 |
| Tier 1 risk-based capital ratio | 29.0399% | 684 |
| Total risk-based capital ratio | 30.0610% | 685 |
| Memoranda: | ||
| Average total assets | $37,154,000 | 7,371 |
| Average earning assets | $30,780,000 | 7,488 |
| Average equity | $9,765,500 | 5,460 |
| Average total loans | $24,621,000 | 7,091 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8638% | 6,215 |
| Cost of funding earning assets | 2.9380% | 2,108 |
| Net interest margin | 2.9258% | 7,091 |
| Noninterest income to average assets | -0.0231% | 8,166 |
| Noninterest expense to average assets | 5.1691% | 585 |
| Loan and lease loss provision to assets | 1.1840% | 1,219 |
| Net operating income to assets | -3.9950% | 7,987 |
| Return on assets (ROA) | -3.9950% | 7,972 |
| Pretax return on assets | -3.9950% | 7,888 |
| Return on Equity (ROE) | -12.0350% | 7,426 |
| Retained earnings to average equity (ytd only) | -12.0350% | 7,246 |
| Net charge-offs to loans | 1.0256% | 1,209 |
| Credit loss provision to net charge-offs | 204.5714% | 2,377 |
| Earnings coverage of net charge-offs (x) | -4.8571% | 6,831 |
| Efficiency ratio | 219.2146% | 171 |
| Assets per employee ($millions) | 2.6312% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 3,700 |
| Loan loss allowance to noncurrent loans | 66.0297% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.3770% | 3,436 |
| Noncurrent loans to loans | 1.9865% | 2,783 |
| Net loans and leases to total assets | 68.4081% | 4,387 |
| Net loans and leases to deposits | 96.6701% | 2,344 |
| Net loans and leases to core deposits | 122.4886% | 2,453 |
| Total domestic deposits to total assets | 70.7645% | 7,195 |
| Equity capital to assets | 28.8291% | 186 |
| Core capital (leverage) ratio | 29.1134% | 197 |
| Tier 1 risk-based capital ratio | 31.6931% | 563 |
| Total risk-based capital ratio | 32.6927% | 566 |
| Memoranda: | ||
| Average total assets | $30,237,600 | 7,638 |
| Average earning assets | $24,608,600 | 7,761 |
| Average equity | $10,037,400 | 5,399 |
| Average total loans | $17,063,000 | 7,519 |