Home > University Bank > Performance and Condition Ratios
University Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1976% | 493 |
| Cost of funding earning assets | 1.8729% | 1,118 |
| Net interest margin | 4.3246% | 782 |
| Noninterest income to average assets | 7.2400% | 102 |
| Noninterest expense to average assets | 9.5657% | 116 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.1849% | 1,683 |
| Return on assets (ROA) | 1.0208% | 2,130 |
| Pretax return on assets | 1.3382% | 1,767 |
| Return on Equity (ROE) | 10.2200% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.4078% | 1,154 |
| Net charge-offs to loans | 0.0041% | 2,588 |
| Credit loss provision to net charge-offs | 3,131.0345% | 159 |
| Earnings coverage of net charge-offs (x) | 467.2414% | 307 |
| Efficiency ratio | 85.4643% | 591 |
| Assets per employee ($millions) | 1.9032% | 4,452 |
| Cash dividends to net income (ytd only)* | 7.9677% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 4,294 |
| Loan loss allowance to noncurrent loans | 92.2231% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5952% | 927 |
| Noncurrent loans to loans | 0.6016% | 1,309 |
| Net loans and leases to total assets | 87.6200% | 100 |
| Net loans and leases to deposits | 117.8737% | 99 |
| Net loans and leases to core deposits | 188.7333% | 89 |
| Total domestic deposits to total assets | 74.3300% | 4,082 |
| Equity capital to assets | 9.9894% | 2,019 |
| Core capital (leverage) ratio | 10.0548% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $837,313,400 | 1,145 |
| Average earning assets | $764,317,000 | 1,150 |
| Average equity | $83,611,200 | 1,096 |
| Average total loans | $706,132,600 | 950 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1083% | 466 |
| Cost of funding earning assets | 1.8365% | 949 |
| Net interest margin | 4.2718% | 834 |
| Noninterest income to average assets | 7.5500% | 100 |
| Noninterest expense to average assets | 9.8305% | 114 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.2119% | 1,765 |
| Return on assets (ROA) | 1.0444% | 2,222 |
| Pretax return on assets | 1.3688% | 1,848 |
| Return on Equity (ROE) | 10.4600% | 2,511 |
| Retained earnings to average equity (ytd only) | 9.7086% | 1,492 |
| Net charge-offs to loans | 0.0066% | 2,197 |
| Credit loss provision to net charge-offs | 1,347.0588% | 328 |
| Earnings coverage of net charge-offs (x) | 292.2941% | 460 |
| Efficiency ratio | 85.8045% | 524 |
| Assets per employee ($millions) | 1.7904% | 4,485 |
| Cash dividends to net income (ytd only)* | 7.1840% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5367% | 4,328 |
| Loan loss allowance to noncurrent loans | 96.3786% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5296% | 1,103 |
| Noncurrent loans to loans | 0.5568% | 1,436 |
| Net loans and leases to total assets | 85.2000% | 197 |
| Net loans and leases to deposits | 99.1031% | 558 |
| Net loans and leases to core deposits | 149.6593% | 152 |
| Total domestic deposits to total assets | 85.9700% | 2,205 |
| Equity capital to assets | 10.2454% | 1,672 |
| Core capital (leverage) ratio | 10.1976% | 2,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $819,212,250 | 1,159 |
| Average earning assets | $747,333,250 | 1,173 |
| Average equity | $81,795,250 | 1,110 |
| Average total loans | $682,288,000 | 982 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9143% | 492 |
| Cost of funding earning assets | 1.8489% | 677 |
| Net interest margin | 4.0654% | 1,139 |
| Noninterest income to average assets | 7.5000% | 98 |
| Noninterest expense to average assets | 9.7511% | 106 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1370% | 2,015 |
| Return on assets (ROA) | 0.9768% | 2,485 |
| Pretax return on assets | 1.2812% | 2,132 |
| Return on Equity (ROE) | 9.8800% | 2,741 |
| Retained earnings to average equity (ytd only) | 9.8759% | 1,439 |
| Net charge-offs to loans | 0.0118% | 1,753 |
| Credit loss provision to net charge-offs | 182.0513% | 1,089 |
| Earnings coverage of net charge-offs (x) | 150.1795% | 753 |
| Efficiency ratio | 86.9156% | 461 |
| Assets per employee ($millions) | 1.7548% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5081% | 4,374 |
| Loan loss allowance to noncurrent loans | 82.6257% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 949 |
| Noncurrent loans to loans | 0.6150% | 1,215 |
| Net loans and leases to total assets | 82.1400% | 408 |
| Net loans and leases to deposits | 95.5254% | 759 |
| Net loans and leases to core deposits | 144.5117% | 179 |
| Total domestic deposits to total assets | 85.9900% | 2,231 |
| Equity capital to assets | 10.0141% | 1,856 |
| Core capital (leverage) ratio | 10.2672% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $802,840,000 | 1,178 |
| Average earning assets | $732,764,667 | 1,184 |
| Average equity | $79,405,667 | 1,124 |
| Average total loans | $661,775,000 | 991 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6690% | 473 |
| Cost of funding earning assets | 1.7075% | 566 |
| Net interest margin | 3.9614% | 1,343 |
| Noninterest income to average assets | 7.2300% | 108 |
| Noninterest expense to average assets | 9.8542% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7771% | 3,269 |
| Return on assets (ROA) | 0.6563% | 3,521 |
| Pretax return on assets | 0.8638% | 3,321 |
| Return on Equity (ROE) | 6.6800% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.6820% | 2,595 |
| Net charge-offs to loans | -0.0031% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.8455% | 330 |
| Assets per employee ($millions) | 1.5533% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5488% | 4,408 |
| Loan loss allowance to noncurrent loans | 115.9688% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 1,002 |
| Noncurrent loans to loans | 0.4732% | 1,531 |
| Net loans and leases to total assets | 84.2100% | 221 |
| Net loans and leases to deposits | 98.6572% | 505 |
| Net loans and leases to core deposits | 158.4453% | 95 |
| Total domestic deposits to total assets | 85.3600% | 2,758 |
| Equity capital to assets | 10.3110% | 1,666 |
| Core capital (leverage) ratio | 10.3077% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $775,223,000 | 1,221 |
| Average earning assets | $706,514,000 | 1,232 |
| Average equity | $76,144,500 | 1,171 |
| Average total loans | $638,432,500 | 1,029 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 1,184 |
| Cost of funding earning assets | 0.3539% | 2,450 |
| Net interest margin | 3.8818% | 1,001 |
| Noninterest income to average assets | 12.3400% | 89 |
| Noninterest expense to average assets | 14.6811% | 82 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.8656% | 3,096 |
| Return on assets (ROA) | 0.7947% | 3,279 |
| Pretax return on assets | 1.0284% | 2,987 |
| Return on Equity (ROE) | 7.2100% | 3,585 |
| Retained earnings to average equity (ytd only) | 2.7787% | 3,781 |
| Net charge-offs to loans | -0.0048% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 93.0961% | 239 |
| Assets per employee ($millions) | 1.5325% | 4,624 |
| Cash dividends to net income (ytd only)* | 61.4687% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5702% | 4,367 |
| Loan loss allowance to noncurrent loans | 21.9989% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 2.0752% | 115 |
| Noncurrent loans to loans | 2.5917% | 177 |
| Net loans and leases to total assets | 79.6100% | 635 |
| Net loans and leases to deposits | 101.5272% | 383 |
| Net loans and leases to core deposits | 168.4838% | 56 |
| Total domestic deposits to total assets | 78.4200% | 4,057 |
| Equity capital to assets | 9.3414% | 2,117 |
| Core capital (leverage) ratio | 10.2950% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $596,344,200 | 1,493 |
| Average earning assets | $524,994,200 | 1,567 |
| Average equity | $65,715,000 | 1,312 |
| Average total loans | $441,042,000 | 1,291 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 1,450 |
| Cost of funding earning assets | 0.0563% | 4,547 |
| Net interest margin | 3.8573% | 874 |
| Noninterest income to average assets | 14.4900% | 85 |
| Noninterest expense to average assets | 16.3132% | 80 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1836% | 1,757 |
| Return on assets (ROA) | 1.1177% | 1,979 |
| Pretax return on assets | 1.4362% | 1,611 |
| Return on Equity (ROE) | 9.6200% | 2,841 |
| Retained earnings to average equity (ytd only) | 3.8063% | 3,508 |
| Net charge-offs to loans | -0.0054% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.3863% | 290 |
| Assets per employee ($millions) | 1.2354% | 4,676 |
| Cash dividends to net income (ytd only)* | 60.4424% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7276% | 4,212 |
| Loan loss allowance to noncurrent loans | 24.0755% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.3460% | 100 |
| Noncurrent loans to loans | 3.0220% | 154 |
| Net loans and leases to total assets | 77.0700% | 795 |
| Net loans and leases to deposits | 102.5672% | 281 |
| Net loans and leases to core deposits | 102.7010% | 710 |
| Total domestic deposits to total assets | 75.1400% | 4,402 |
| Equity capital to assets | 9.6160% | 1,820 |
| Core capital (leverage) ratio | 10.1948% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $550,042,750 | 1,616 |
| Average earning assets | $478,010,250 | 1,690 |
| Average equity | $63,891,750 | 1,351 |
| Average total loans | $394,852,750 | 1,399 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4248% | 2,360 |
| Cost of funding earning assets | 0.0457% | 4,617 |
| Net interest margin | 3.3791% | 1,664 |
| Noninterest income to average assets | 16.9610% | 40 |
| Noninterest expense to average assets | 17.5895% | 43 |
| Loan and lease loss provision to assets | 0.0169% | 2,298 |
| Net operating income to assets | 1.7768% | 359 |
| Return on assets (ROA) | 1.6678% | 458 |
| Pretax return on assets | 2.1448% | 271 |
| Return on Equity (ROE) | 13.3497% | 1,279 |
| Retained earnings to average equity (ytd only) | 6.7455% | 2,073 |
| Net charge-offs to loans | -0.0062% | 3,416 |
| Credit loss provision to net charge-offs | -390.9091% | 3,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5050% | 473 |
| Assets per employee ($millions) | 1.0224% | 4,732 |
| Cash dividends to net income (ytd only)* | 49.4707% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 3,968 |
| Loan loss allowance to noncurrent loans | 19.9807% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 3.3390% | 43 |
| Noncurrent loans to loans | 4.4757% | 78 |
| Net loans and leases to total assets | 73.9367% | 925 |
| Net loans and leases to deposits | 94.5326% | 495 |
| Net loans and leases to core deposits | 94.6726% | 887 |
| Total domestic deposits to total assets | 78.2129% | 4,340 |
| Equity capital to assets | 11.5925% | 1,001 |
| Core capital (leverage) ratio | 11.0613% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $509,780,333 | 1,712 |
| Average earning assets | $437,395,000 | 1,819 |
| Average equity | $63,686,667 | 1,379 |
| Average total loans | $352,874,667 | 1,522 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1485% | 2,830 |
| Cost of funding earning assets | 0.0356% | 4,687 |
| Net interest margin | 3.1128% | 2,128 |
| Noninterest income to average assets | 18.1439% | 37 |
| Noninterest expense to average assets | 18.2198% | 40 |
| Loan and lease loss provision to assets | 0.0627% | 1,291 |
| Net operating income to assets | 1.9924% | 227 |
| Return on assets (ROA) | 1.7309% | 386 |
| Pretax return on assets | 2.2645% | 239 |
| Return on Equity (ROE) | 13.3026% | 977 |
| Retained earnings to average equity (ytd only) | 5.4567% | 2,430 |
| Net charge-offs to loans | -0.0062% | 3,414 |
| Credit loss provision to net charge-offs | -1,520.0000% | 3,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4965% | 660 |
| Assets per employee ($millions) | 0.8698% | 4,762 |
| Cash dividends to net income (ytd only)* | 58.9805% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,707 |
| Loan loss allowance to noncurrent loans | 21.0780% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 3.7135% | 41 |
| Noncurrent loans to loans | 5.8339% | 48 |
| Net loans and leases to total assets | 62.8715% | 1,756 |
| Net loans and leases to deposits | 84.1004% | 876 |
| Net loans and leases to core deposits | 84.2501% | 1,229 |
| Total domestic deposits to total assets | 74.7577% | 4,550 |
| Equity capital to assets | 13.2357% | 647 |
| Core capital (leverage) ratio | 12.3001% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,055,000 | 1,785 |
| Average earning assets | $415,188,000 | 1,902 |
| Average equity | $63,115,500 | 1,428 |
| Average total loans | $320,708,000 | 1,619 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1534% | 4,634 |
| Cost of funding earning assets | 0.0319% | 4,753 |
| Net interest margin | 2.1215% | 4,530 |
| Noninterest income to average assets | 19.6208% | 39 |
| Noninterest expense to average assets | 15.8222% | 40 |
| Loan and lease loss provision to assets | -0.0556% | 4,381 |
| Net operating income to assets | 4.5646% | 51 |
| Return on assets (ROA) | 4.1244% | 60 |
| Pretax return on assets | 5.3407% | 52 |
| Return on Equity (ROE) | 43.9759% | 25 |
| Retained earnings to average equity (ytd only) | 22.5571% | 37 |
| Net charge-offs to loans | -0.0067% | 3,626 |
| Credit loss provision to net charge-offs | 1,638.0952% | 361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3834% | 1,379 |
| Assets per employee ($millions) | 0.9146% | 4,804 |
| Cash dividends to net income (ytd only)* | 48.7058% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,376 |
| Loan loss allowance to noncurrent loans | 19.1391% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 3.9336% | 44 |
| Noncurrent loans to loans | 5.7238% | 53 |
| Net loans and leases to total assets | 67.9700% | 1,272 |
| Net loans and leases to deposits | 92.7566% | 426 |
| Net loans and leases to core deposits | 92.9196% | 831 |
| Total domestic deposits to total assets | 73.2778% | 4,607 |
| Equity capital to assets | 12.8345% | 949 |
| Core capital (leverage) ratio | 10.2931% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $618,220,600 | 1,416 |
| Average earning assets | $561,396,200 | 1,449 |
| Average equity | $57,981,800 | 1,560 |
| Average total loans | $311,482,600 | 1,660 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9738% | 4,768 |
| Cost of funding earning assets | 0.0300% | 4,842 |
| Net interest margin | 1.9438% | 4,702 |
| Noninterest income to average assets | 19.6069% | 41 |
| Noninterest expense to average assets | 15.0993% | 45 |
| Loan and lease loss provision to assets | -0.0748% | 4,536 |
| Net operating income to assets | 5.0259% | 50 |
| Return on assets (ROA) | 4.5724% | 55 |
| Pretax return on assets | 5.9088% | 53 |
| Return on Equity (ROE) | 52.3734% | 15 |
| Retained earnings to average equity (ytd only) | 30.5946% | 25 |
| Net charge-offs to loans | -0.0070% | 3,541 |
| Credit loss provision to net charge-offs | 2,281.2500% | 303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5570% | 1,542 |
| Assets per employee ($millions) | 1.2723% | 4,870 |
| Cash dividends to net income (ytd only)* | 41.5838% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 3,130 |
| Loan loss allowance to noncurrent loans | 26.4335% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.9992% | 187 |
| Noncurrent loans to loans | 4.4140% | 100 |
| Net loans and leases to total assets | 44.7629% | 3,885 |
| Net loans and leases to deposits | 54.3705% | 3,704 |
| Net loans and leases to core deposits | 54.4298% | 3,886 |
| Total domestic deposits to total assets | 82.3293% | 3,855 |
| Equity capital to assets | 9.0667% | 3,771 |
| Core capital (leverage) ratio | 10.6402% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $650,673,000 | 1,377 |
| Average earning assets | $595,779,750 | 1,403 |
| Average equity | $56,806,000 | 1,605 |
| Average total loans | $305,440,750 | 1,710 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9679% | 4,814 |
| Cost of funding earning assets | 0.0301% | 4,879 |
| Net interest margin | 1.9378% | 4,738 |
| Noninterest income to average assets | 20.1375% | 41 |
| Noninterest expense to average assets | 15.3210% | 42 |
| Loan and lease loss provision to assets | -0.0035% | 4,392 |
| Net operating income to assets | 5.2107% | 49 |
| Return on assets (ROA) | 4.7547% | 56 |
| Pretax return on assets | 6.1421% | 53 |
| Return on Equity (ROE) | 55.2302% | 16 |
| Retained earnings to average equity (ytd only) | 36.2623% | 17 |
| Net charge-offs to loans | -0.0073% | 3,554 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8644% | 1,657 |
| Assets per employee ($millions) | 1.2812% | 4,906 |
| Cash dividends to net income (ytd only)* | 34.3432% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 2,183 |
| Loan loss allowance to noncurrent loans | 24.7265% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.3082% | 162 |
| Noncurrent loans to loans | 5.4652% | 69 |
| Net loans and leases to total assets | 41.6641% | 4,206 |
| Net loans and leases to deposits | 50.0133% | 4,111 |
| Net loans and leases to core deposits | 50.0656% | 4,232 |
| Total domestic deposits to total assets | 83.3061% | 3,639 |
| Equity capital to assets | 8.4972% | 4,206 |
| Core capital (leverage) ratio | 11.1168% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $637,269,667 | 1,394 |
| Average earning assets | $584,788,667 | 1,414 |
| Average equity | $54,861,333 | 1,647 |
| Average total loans | $302,951,000 | 1,729 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1996% | 4,794 |
| Cost of funding earning assets | 0.0310% | 4,915 |
| Net interest margin | 2.1686% | 4,640 |
| Noninterest income to average assets | 21.0899% | 40 |
| Noninterest expense to average assets | 15.9357% | 41 |
| Loan and lease loss provision to assets | -0.0040% | 4,559 |
| Net operating income to assets | 5.6444% | 49 |
| Return on assets (ROA) | 5.1562% | 57 |
| Pretax return on assets | 6.6585% | 53 |
| Return on Equity (ROE) | 59.4485% | 20 |
| Retained earnings to average equity (ytd only) | 44.3598% | 23 |
| Net charge-offs to loans | -0.0078% | 3,567 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0044% | 1,812 |
| Assets per employee ($millions) | 1.2544% | 4,936 |
| Cash dividends to net income (ytd only)* | 25.3812% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 2,388 |
| Loan loss allowance to noncurrent loans | 24.2822% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 2.5015% | 164 |
| Noncurrent loans to loans | 5.4021% | 67 |
| Net loans and leases to total assets | 45.6982% | 3,983 |
| Net loans and leases to deposits | 55.9287% | 3,794 |
| Net loans and leases to core deposits | 55.9655% | 3,978 |
| Total domestic deposits to total assets | 81.7079% | 3,954 |
| Equity capital to assets | 8.4169% | 4,183 |
| Core capital (leverage) ratio | 12.3406% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $605,483,000 | 1,437 |
| Average earning assets | $555,187,500 | 1,460 |
| Average equity | $52,516,000 | 1,697 |
| Average total loans | $306,426,500 | 1,713 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6011% | 4,823 |
| Cost of funding earning assets | 0.0537% | 4,936 |
| Net interest margin | 2.5474% | 4,546 |
| Noninterest income to average assets | 25.8221% | 37 |
| Noninterest expense to average assets | 19.4984% | 39 |
| Loan and lease loss provision to assets | 0.6809% | 245 |
| Net operating income to assets | 6.2796% | 35 |
| Return on assets (ROA) | 5.7249% | 37 |
| Pretax return on assets | 7.3970% | 34 |
| Return on Equity (ROE) | 73.4490% | 8 |
| Retained earnings to average equity (ytd only) | 52.9532% | 6 |
| Net charge-offs to loans | -0.0065% | 4,186 |
| Credit loss provision to net charge-offs | -18,577.7778% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2755% | 2,051 |
| Assets per employee ($millions) | 1.0806% | 4,960 |
| Cash dividends to net income (ytd only)* | 27.9048% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,418 |
| Loan loss allowance to noncurrent loans | 24.4828% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.9589% | 128 |
| Noncurrent loans to loans | 5.3060% | 73 |
| Net loans and leases to total assets | 55.0407% | 3,385 |
| Net loans and leases to deposits | 69.0884% | 2,973 |
| Net loans and leases to core deposits | 69.1431% | 3,324 |
| Total domestic deposits to total assets | 79.6671% | 4,110 |
| Equity capital to assets | 9.0125% | 4,041 |
| Core capital (leverage) ratio | 11.3197% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,132,800 | 1,576 |
| Average earning assets | $445,114,600 | 1,607 |
| Average equity | $38,281,000 | 2,085 |
| Average total loans | $277,378,200 | 1,786 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7570% | 4,852 |
| Cost of funding earning assets | 0.0591% | 4,977 |
| Net interest margin | 2.6978% | 4,466 |
| Noninterest income to average assets | 26.2295% | 35 |
| Noninterest expense to average assets | 19.6741% | 39 |
| Loan and lease loss provision to assets | 1.1070% | 107 |
| Net operating income to assets | 6.2309% | 37 |
| Return on assets (ROA) | 5.6540% | 39 |
| Pretax return on assets | 7.3138% | 36 |
| Return on Equity (ROE) | 75.9836% | 10 |
| Retained earnings to average equity (ytd only) | 57.8763% | 8 |
| Net charge-offs to loans | -0.0059% | 4,090 |
| Credit loss provision to net charge-offs | -32,925.0000% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5754% | 2,099 |
| Assets per employee ($millions) | 1.2328% | 4,990 |
| Cash dividends to net income (ytd only)* | 23.8305% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 1,450 |
| Loan loss allowance to noncurrent loans | 31.9600% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 2.3444% | 239 |
| Noncurrent loans to loans | 4.6250% | 126 |
| Net loans and leases to total assets | 49.9406% | 4,103 |
| Net loans and leases to deposits | 61.2395% | 3,977 |
| Net loans and leases to core deposits | 61.2814% | 4,143 |
| Total domestic deposits to total assets | 81.5497% | 3,532 |
| Equity capital to assets | 7.3080% | 4,902 |
| Core capital (leverage) ratio | 11.1693% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $475,875,000 | 1,601 |
| Average earning assets | $430,803,250 | 1,637 |
| Average equity | $35,410,250 | 2,193 |
| Average total loans | $269,744,000 | 1,818 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2076% | 4,712 |
| Cost of funding earning assets | 0.0688% | 5,008 |
| Net interest margin | 3.1388% | 3,814 |
| Noninterest income to average assets | 24.5416% | 36 |
| Noninterest expense to average assets | 20.0360% | 39 |
| Loan and lease loss provision to assets | 1.8234% | 62 |
| Net operating income to assets | 4.3498% | 43 |
| Return on assets (ROA) | 4.0102% | 47 |
| Pretax return on assets | 5.1664% | 40 |
| Return on Equity (ROE) | 53.4374% | 11 |
| Retained earnings to average equity (ytd only) | 53.4374% | 5 |
| Net charge-offs to loans | -0.0047% | 3,999 |
| Credit loss provision to net charge-offs | -65,316.6667% | 4,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1740% | 1,544 |
| Assets per employee ($millions) | 1.1299% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 1,167 |
| Loan loss allowance to noncurrent loans | 96.7352% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 1,417 |
| Noncurrent loans to loans | 1.5851% | 937 |
| Net loans and leases to total assets | 54.2518% | 3,854 |
| Net loans and leases to deposits | 64.7538% | 3,827 |
| Net loans and leases to core deposits | 64.8022% | 4,032 |
| Total domestic deposits to total assets | 83.7817% | 2,823 |
| Equity capital to assets | 7.0567% | 4,963 |
| Core capital (leverage) ratio | 10.4385% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $429,857,000 | 1,714 |
| Average earning assets | $386,708,333 | 1,765 |
| Average equity | $32,258,333 | 2,350 |
| Average total loans | $255,925,333 | 1,864 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5394% | 4,598 |
| Cost of funding earning assets | 0.0503% | 5,080 |
| Net interest margin | 3.4891% | 3,018 |
| Noninterest income to average assets | 15.8748% | 44 |
| Noninterest expense to average assets | 19.1870% | 42 |
| Loan and lease loss provision to assets | 0.4665% | 636 |
| Net operating income to assets | -0.5262% | 4,935 |
| Return on assets (ROA) | -0.3523% | 4,871 |
| Pretax return on assets | -0.4921% | 4,888 |
| Return on Equity (ROE) | -4.5004% | 4,907 |
| Retained earnings to average equity (ytd only) | -4.5004% | 4,481 |
| Net charge-offs to loans | -0.0647% | 4,706 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0175% | 222 |
| Assets per employee ($millions) | 0.8212% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 4,938 |
| Loan loss allowance to noncurrent loans | 44.0269% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 2,068 |
| Noncurrent loans to loans | 0.9436% | 1,747 |
| Net loans and leases to total assets | 68.1073% | 2,520 |
| Net loans and leases to deposits | 84.9147% | 2,115 |
| Net loans and leases to core deposits | 85.0048% | 2,765 |
| Total domestic deposits to total assets | 80.2067% | 3,820 |
| Equity capital to assets | 7.4452% | 5,039 |
| Core capital (leverage) ratio | 10.5856% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $374,732,000 | 1,875 |
| Average earning assets | $334,296,000 | 1,915 |
| Average equity | $29,330,500 | 2,495 |
| Average total loans | $235,097,500 | 1,964 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 3,029 |
| Cost of funding earning assets | 0.0668% | 5,136 |
| Net interest margin | 4.4072% | 882 |
| Noninterest income to average assets | 18.0818% | 41 |
| Noninterest expense to average assets | 20.3038% | 38 |
| Loan and lease loss provision to assets | 0.0902% | 2,218 |
| Net operating income to assets | 1.2539% | 1,859 |
| Return on assets (ROA) | 1.1941% | 2,177 |
| Pretax return on assets | 1.5331% | 1,705 |
| Return on Equity (ROE) | 14.5771% | 780 |
| Retained earnings to average equity (ytd only) | 14.5771% | 105 |
| Net charge-offs to loans | 0.0197% | 3,028 |
| Credit loss provision to net charge-offs | 838.2353% | 392 |
| Earnings coverage of net charge-offs (x) | 156.3824% | 482 |
| Efficiency ratio | 92.2425% | 285 |
| Assets per employee ($millions) | 0.7735% | 5,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3154% | 5,036 |
| Loan loss allowance to noncurrent loans | 19.5886% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9114% | 1,396 |
| Noncurrent loans to loans | 1.6100% | 877 |
| Net loans and leases to total assets | 56.4307% | 3,892 |
| Net loans and leases to deposits | 67.1107% | 3,890 |
| Net loans and leases to core deposits | 67.1841% | 4,126 |
| Total domestic deposits to total assets | 84.0859% | 2,825 |
| Equity capital to assets | 8.2660% | 4,991 |
| Core capital (leverage) ratio | 8.1475% | 4,992 |
| Tier 1 risk-based capital ratio | 14.0666% | 3,233 |
| Total risk-based capital ratio | 14.5548% | 3,508 |
| Memoranda: | ||
| Average total assets | $315,891,600 | 2,064 |
| Average earning assets | $279,906,000 | 2,147 |
| Average equity | $25,876,200 | 2,643 |
| Average total loans | $172,608,200 | 2,391 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 3,436 |
| Cost of funding earning assets | 0.0703% | 5,208 |
| Net interest margin | 4.3037% | 1,160 |
| Noninterest income to average assets | 17.9446% | 38 |
| Noninterest expense to average assets | 20.3474% | 36 |
| Loan and lease loss provision to assets | 0.1235% | 1,581 |
| Net operating income to assets | 1.0033% | 2,966 |
| Return on assets (ROA) | 1.0233% | 2,972 |
| Pretax return on assets | 1.2900% | 2,704 |
| Return on Equity (ROE) | 12.5262% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.5262% | 325 |
| Net charge-offs to loans | 0.0323% | 2,429 |
| Credit loss provision to net charge-offs | 707.5000% | 472 |
| Earnings coverage of net charge-offs (x) | 79.8281% | 860 |
| Efficiency ratio | 93.4844% | 246 |
| Assets per employee ($millions) | 0.8101% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2568% | 5,141 |
| Loan loss allowance to noncurrent loans | 27.8195% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 2,208 |
| Noncurrent loans to loans | 0.9232% | 1,735 |
| Net loans and leases to total assets | 63.7514% | 3,309 |
| Net loans and leases to deposits | 75.7672% | 3,317 |
| Net loans and leases to core deposits | 75.8432% | 3,708 |
| Total domestic deposits to total assets | 84.1412% | 2,769 |
| Equity capital to assets | 7.2061% | 5,204 |
| Core capital (leverage) ratio | 8.5513% | 4,922 |
| Tier 1 risk-based capital ratio | 11.4419% | 4,697 |
| Total risk-based capital ratio | 11.8511% | 4,971 |
| Memoranda: | ||
| Average total assets | $305,525,250 | 2,148 |
| Average earning assets | $269,499,250 | 2,229 |
| Average equity | $24,960,500 | 2,736 |
| Average total loans | $165,186,000 | 2,479 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 3,161 |
| Cost of funding earning assets | 0.0788% | 5,247 |
| Net interest margin | 4.3774% | 982 |
| Noninterest income to average assets | 17.4755% | 37 |
| Noninterest expense to average assets | 21.0808% | 35 |
| Loan and lease loss provision to assets | 0.2324% | 694 |
| Net operating income to assets | -0.0200% | 5,106 |
| Return on assets (ROA) | 0.0515% | 5,092 |
| Pretax return on assets | 0.0465% | 5,095 |
| Return on Equity (ROE) | 0.5981% | 5,077 |
| Retained earnings to average equity (ytd only) | 0.5981% | 4,536 |
| Net charge-offs to loans | 0.0592% | 1,803 |
| Credit loss provision to net charge-offs | 792.6829% | 430 |
| Earnings coverage of net charge-offs (x) | 7.0732% | 2,522 |
| Efficiency ratio | 98.9048% | 166 |
| Assets per employee ($millions) | 0.6928% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3737% | 5,127 |
| Loan loss allowance to noncurrent loans | 140.0835% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 3,924 |
| Noncurrent loans to loans | 0.2668% | 3,576 |
| Net loans and leases to total assets | 54.9373% | 4,149 |
| Net loans and leases to deposits | 64.4866% | 4,198 |
| Net loans and leases to core deposits | 64.5609% | 4,385 |
| Total domestic deposits to total assets | 85.1918% | 2,391 |
| Equity capital to assets | 7.4750% | 5,238 |
| Core capital (leverage) ratio | 8.3866% | 5,019 |
| Tier 1 risk-based capital ratio | 11.3472% | 4,771 |
| Total risk-based capital ratio | 11.8630% | 4,978 |
| Memoranda: | ||
| Average total assets | $279,638,000 | 2,299 |
| Average earning assets | $243,567,330 | 2,402 |
| Average equity | $24,076,330 | 2,793 |
| Average total loans | $138,609,330 | 2,781 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3799% | 3,303 |
| Cost of funding earning assets | 0.0843% | 5,300 |
| Net interest margin | 4.2956% | 1,102 |
| Noninterest income to average assets | 15.5205% | 45 |
| Noninterest expense to average assets | 20.4145% | 37 |
| Loan and lease loss provision to assets | 0.2993% | 428 |
| Net operating income to assets | -1.1534% | 5,295 |
| Return on assets (ROA) | -1.0131% | 5,284 |
| Pretax return on assets | -1.3201% | 5,292 |
| Return on Equity (ROE) | -10.8587% | 5,302 |
| Retained earnings to average equity (ytd only) | -10.8587% | 5,135 |
| Net charge-offs to loans | -0.0203% | 4,492 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8852% | 127 |
| Assets per employee ($millions) | 0.6164% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4866% | 5,096 |
| Loan loss allowance to noncurrent loans | 126.0776% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 3,815 |
| Noncurrent loans to loans | 0.3860% | 3,200 |
| Net loans and leases to total assets | 44.8219% | 4,708 |
| Net loans and leases to deposits | 54.2303% | 4,672 |
| Net loans and leases to core deposits | 54.3076% | 4,776 |
| Total domestic deposits to total assets | 82.6511% | 3,520 |
| Equity capital to assets | 8.8492% | 4,781 |
| Core capital (leverage) ratio | 9.4313% | 4,227 |
| Tier 1 risk-based capital ratio | 14.1413% | 3,280 |
| Total risk-based capital ratio | 14.7288% | 3,523 |
| Memoranda: | ||
| Average total assets | $256,641,500 | 2,472 |
| Average earning assets | $223,017,500 | 2,567 |
| Average equity | $23,944,000 | 2,811 |
| Average total loans | $118,132,000 | 3,039 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 3,856 |
| Cost of funding earning assets | 0.0799% | 5,326 |
| Net interest margin | 3.9846% | 2,042 |
| Noninterest income to average assets | 12.7307% | 50 |
| Noninterest expense to average assets | 14.9884% | 43 |
| Loan and lease loss provision to assets | -0.0880% | 5,250 |
| Net operating income to assets | 1.0900% | 2,646 |
| Return on assets (ROA) | 1.0105% | 2,943 |
| Pretax return on assets | 1.3080% | 2,466 |
| Return on Equity (ROE) | 10.9712% | 2,092 |
| Retained earnings to average equity (ytd only) | 6.0666% | 2,161 |
| Net charge-offs to loans | -0.1648% | 5,239 |
| Credit loss provision to net charge-offs | 109.6618% | 2,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8530% | 281 |
| Assets per employee ($millions) | 0.6317% | 5,374 |
| Cash dividends to net income (ytd only)* | 44.7045% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3335% | 5,264 |
| Loan loss allowance to noncurrent loans | 79.7938% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 3,701 |
| Noncurrent loans to loans | 0.4179% | 3,038 |
| Net loans and leases to total assets | 46.9434% | 4,698 |
| Net loans and leases to deposits | 56.0643% | 4,663 |
| Net loans and leases to core deposits | 56.1484% | 4,772 |
| Total domestic deposits to total assets | 83.7314% | 3,070 |
| Equity capital to assets | 9.9508% | 3,727 |
| Core capital (leverage) ratio | 9.5407% | 4,073 |
| Tier 1 risk-based capital ratio | 16.7854% | 2,143 |
| Total risk-based capital ratio | 17.2713% | 2,338 |
| Memoranda: | ||
| Average total assets | $257,880,000 | 2,417 |
| Average earning assets | $230,211,000 | 2,481 |
| Average equity | $23,753,000 | 2,746 |
| Average total loans | $125,605,400 | 2,933 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8804% | 4,255 |
| Cost of funding earning assets | 0.0760% | 5,398 |
| Net interest margin | 3.8044% | 2,633 |
| Noninterest income to average assets | 13.3231% | 50 |
| Noninterest expense to average assets | 14.9076% | 44 |
| Loan and lease loss provision to assets | -0.1207% | 5,363 |
| Net operating income to assets | 1.5329% | 1,114 |
| Return on assets (ROA) | 1.4148% | 1,436 |
| Pretax return on assets | 1.8224% | 959 |
| Return on Equity (ROE) | 15.6576% | 755 |
| Retained earnings to average equity (ytd only) | 9.0652% | 1,188 |
| Net charge-offs to loans | -0.2094% | 5,307 |
| Credit loss provision to net charge-offs | 117.4129% | 2,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9589% | 365 |
| Assets per employee ($millions) | 0.6743% | 5,442 |
| Cash dividends to net income (ytd only)* | 42.1033% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3001% | 5,356 |
| Loan loss allowance to noncurrent loans | 42.6928% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 3,374 |
| Noncurrent loans to loans | 0.7029% | 2,315 |
| Net loans and leases to total assets | 46.3999% | 4,783 |
| Net loans and leases to deposits | 54.6554% | 4,798 |
| Net loans and leases to core deposits | 54.8024% | 4,882 |
| Total domestic deposits to total assets | 84.8954% | 2,641 |
| Equity capital to assets | 9.2901% | 4,291 |
| Core capital (leverage) ratio | 8.3348% | 5,183 |
| Tier 1 risk-based capital ratio | 16.2324% | 2,363 |
| Total risk-based capital ratio | 16.8046% | 2,560 |
| Memoranda: | ||
| Average total assets | $260,754,500 | 2,408 |
| Average earning assets | $233,338,000 | 2,473 |
| Average equity | $23,562,000 | 2,780 |
| Average total loans | $127,995,000 | 2,925 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 4,894 |
| Cost of funding earning assets | 0.0741% | 5,454 |
| Net interest margin | 3.4478% | 3,803 |
| Noninterest income to average assets | 13.5328% | 50 |
| Noninterest expense to average assets | 15.1066% | 43 |
| Loan and lease loss provision to assets | -0.1636% | 5,459 |
| Net operating income to assets | 1.3276% | 1,669 |
| Return on assets (ROA) | 1.2218% | 2,088 |
| Pretax return on assets | 1.5738% | 1,588 |
| Return on Equity (ROE) | 13.6528% | 1,168 |
| Retained earnings to average equity (ytd only) | 3.6051% | 3,792 |
| Net charge-offs to loans | -0.3028% | 5,390 |
| Credit loss provision to net charge-offs | 108.1633% | 1,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7132% | 346 |
| Assets per employee ($millions) | 0.7542% | 5,502 |
| Cash dividends to net income (ytd only)* | 73.5944% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2580% | 5,437 |
| Loan loss allowance to noncurrent loans | 47.2155% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 3,654 |
| Noncurrent loans to loans | 0.5465% | 2,783 |
| Net loans and leases to total assets | 51.1252% | 4,534 |
| Net loans and leases to deposits | 59.4412% | 4,559 |
| Net loans and leases to core deposits | 59.5824% | 4,723 |
| Total domestic deposits to total assets | 86.0096% | 2,269 |
| Equity capital to assets | 7.9681% | 5,232 |
| Core capital (leverage) ratio | 8.9092% | 4,771 |
| Tier 1 risk-based capital ratio | 12.9713% | 3,908 |
| Total risk-based capital ratio | 13.4916% | 4,229 |
| Memoranda: | ||
| Average total assets | $259,119,330 | 2,432 |
| Average earning assets | $232,208,330 | 2,492 |
| Average equity | $23,189,330 | 2,824 |
| Average total loans | $129,447,670 | 2,914 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 4,765 |
| Cost of funding earning assets | 0.0853% | 5,490 |
| Net interest margin | 3.4849% | 3,588 |
| Noninterest income to average assets | 13.8587% | 49 |
| Noninterest expense to average assets | 15.4323% | 44 |
| Loan and lease loss provision to assets | -0.0199% | 5,426 |
| Net operating income to assets | 1.2436% | 1,834 |
| Return on assets (ROA) | 1.0977% | 2,442 |
| Pretax return on assets | 1.4177% | 1,948 |
| Return on Equity (ROE) | 11.4953% | 1,771 |
| Retained earnings to average equity (ytd only) | -1.5281% | 4,966 |
| Net charge-offs to loans | -0.0202% | 4,568 |
| Credit loss provision to net charge-offs | 200.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7306% | 412 |
| Assets per employee ($millions) | 0.6489% | 5,569 |
| Cash dividends to net income (ytd only)* | 113.2931% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3398% | 5,468 |
| Loan loss allowance to noncurrent loans | 47.6190% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 3,520 |
| Noncurrent loans to loans | 0.7136% | 2,430 |
| Net loans and leases to total assets | 45.8859% | 4,798 |
| Net loans and leases to deposits | 53.6811% | 4,813 |
| Net loans and leases to core deposits | 53.8279% | 4,921 |
| Total domestic deposits to total assets | 85.4788% | 2,763 |
| Equity capital to assets | 8.9933% | 4,563 |
| Core capital (leverage) ratio | 10.2718% | 3,218 |
| Tier 1 risk-based capital ratio | 11.7007% | 4,740 |
| Total risk-based capital ratio | 12.1701% | 5,084 |
| Memoranda: | ||
| Average total assets | $241,235,000 | 2,575 |
| Average earning assets | $215,789,000 | 2,639 |
| Average equity | $23,035,500 | 2,862 |
| Average total loans | $118,595,500 | 3,081 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1883% | 5,202 |
| Cost of funding earning assets | 0.0759% | 5,561 |
| Net interest margin | 3.1124% | 4,664 |
| Noninterest income to average assets | 14.3524% | 49 |
| Noninterest expense to average assets | 15.0329% | 44 |
| Loan and lease loss provision to assets | 0.0643% | 2,931 |
| Net operating income to assets | 2.0725% | 244 |
| Return on assets (ROA) | 1.9497% | 317 |
| Pretax return on assets | 1.9447% | 553 |
| Return on Equity (ROE) | 23.1705% | 93 |
| Retained earnings to average equity (ytd only) | 23.1705% | 24 |
| Net charge-offs to loans | 0.1327% | 1,727 |
| Credit loss provision to net charge-offs | 90.0000% | 2,782 |
| Earnings coverage of net charge-offs (x) | 29.8176% | 1,554 |
| Efficiency ratio | 87.4063% | 565 |
| Assets per employee ($millions) | 0.5660% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3398% | 5,535 |
| Loan loss allowance to noncurrent loans | 59.1837% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 3,675 |
| Noncurrent loans to loans | 0.5741% | 2,780 |
| Net loans and leases to total assets | 52.4609% | 4,486 |
| Net loans and leases to deposits | 63.5444% | 4,348 |
| Net loans and leases to core deposits | 63.7458% | 4,547 |
| Total domestic deposits to total assets | 82.5580% | 3,710 |
| Equity capital to assets | 9.9442% | 3,766 |
| Core capital (leverage) ratio | 10.3117% | 3,057 |
| Tier 1 risk-based capital ratio | 12.2584% | 4,362 |
| Total risk-based capital ratio | 12.6295% | 4,809 |
| Memoranda: | ||
| Average total assets | $237,778,400 | 2,578 |
| Average earning assets | $214,847,200 | 2,622 |
| Average equity | $20,008,200 | 3,146 |
| Average total loans | $128,135,000 | 2,941 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 5,346 |
| Cost of funding earning assets | 0.0850% | 5,606 |
| Net interest margin | 3.0067% | 4,901 |
| Noninterest income to average assets | 14.5591% | 53 |
| Noninterest expense to average assets | 14.7448% | 48 |
| Loan and lease loss provision to assets | 0.0931% | 2,221 |
| Net operating income to assets | 1.6068% | 705 |
| Return on assets (ROA) | 1.5669% | 790 |
| Pretax return on assets | 2.4063% | 251 |
| Return on Equity (ROE) | 19.4551% | 252 |
| Retained earnings to average equity (ytd only) | 19.4551% | 55 |
| Net charge-offs to loans | 0.1791% | 1,176 |
| Credit loss provision to net charge-offs | 96.0000% | 2,374 |
| Earnings coverage of net charge-offs (x) | 26.1711% | 1,693 |
| Efficiency ratio | 85.1383% | 680 |
| Assets per employee ($millions) | 0.6679% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3172% | 5,614 |
| Loan loss allowance to noncurrent loans | 250.6024% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 4,917 |
| Noncurrent loans to loans | 0.1266% | 4,555 |
| Net loans and leases to total assets | 49.5577% | 4,730 |
| Net loans and leases to deposits | 58.0638% | 4,751 |
| Net loans and leases to core deposits | 58.2158% | 4,907 |
| Total domestic deposits to total assets | 85.3504% | 2,578 |
| Equity capital to assets | 7.8702% | 5,552 |
| Core capital (leverage) ratio | 9.2035% | 4,516 |
| Tier 1 risk-based capital ratio | 11.6474% | 4,854 |
| Total risk-based capital ratio | 12.0419% | 5,261 |
| Memoranda: | ||
| Average total assets | $240,476,500 | 2,578 |
| Average earning assets | $217,954,500 | 2,619 |
| Average equity | $19,367,250 | 3,235 |
| Average total loans | $130,297,500 | 2,938 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0369% | 5,408 |
| Cost of funding earning assets | 0.1125% | 5,552 |
| Net interest margin | 2.9244% | 5,054 |
| Noninterest income to average assets | 15.3731% | 49 |
| Noninterest expense to average assets | 15.2975% | 47 |
| Loan and lease loss provision to assets | -0.0017% | 5,518 |
| Net operating income to assets | 1.7826% | 466 |
| Return on assets (ROA) | 1.6967% | 575 |
| Pretax return on assets | 2.6275% | 169 |
| Return on Equity (ROE) | 20.8870% | 181 |
| Retained earnings to average equity (ytd only) | 20.8870% | 53 |
| Net charge-offs to loans | 0.0015% | 3,467 |
| Credit loss provision to net charge-offs | -200.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | 3,155.0000% | 10 |
| Efficiency ratio | 84.7754% | 786 |
| Assets per employee ($millions) | 0.6935% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2887% | 5,672 |
| Loan loss allowance to noncurrent loans | 121.7391% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 4,525 |
| Noncurrent loans to loans | 0.2371% | 4,181 |
| Net loans and leases to total assets | 53.7715% | 4,410 |
| Net loans and leases to deposits | 62.7531% | 4,448 |
| Net loans and leases to core deposits | 62.9121% | 4,671 |
| Total domestic deposits to total assets | 85.6873% | 2,526 |
| Equity capital to assets | 7.3817% | 5,673 |
| Core capital (leverage) ratio | 9.1734% | 4,526 |
| Tier 1 risk-based capital ratio | 12.7768% | 4,137 |
| Total risk-based capital ratio | 13.2366% | 4,527 |
| Memoranda: | ||
| Average total assets | $232,692,000 | 2,653 |
| Average earning assets | $209,751,670 | 2,701 |
| Average equity | $18,901,670 | 3,287 |
| Average total loans | $130,008,670 | 2,947 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1212% | 5,344 |
| Cost of funding earning assets | 0.1093% | 5,616 |
| Net interest margin | 3.0119% | 4,869 |
| Noninterest income to average assets | 16.0765% | 44 |
| Noninterest expense to average assets | 16.1120% | 45 |
| Loan and lease loss provision to assets | -0.0149% | 5,667 |
| Net operating income to assets | 1.7632% | 482 |
| Return on assets (ROA) | 1.7016% | 561 |
| Pretax return on assets | 2.5944% | 190 |
| Return on Equity (ROE) | 19.8092% | 237 |
| Retained earnings to average equity (ytd only) | 19.8092% | 108 |
| Net charge-offs to loans | -0.0098% | 4,414 |
| Credit loss provision to net charge-offs | 266.6667% | 845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7371% | 817 |
| Assets per employee ($millions) | 0.6340% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3433% | 5,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 5,141 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 51.5895% | 4,550 |
| Net loans and leases to deposits | 61.5825% | 4,459 |
| Net loans and leases to core deposits | 61.7639% | 4,674 |
| Total domestic deposits to total assets | 83.7730% | 3,564 |
| Equity capital to assets | 8.0138% | 5,514 |
| Core capital (leverage) ratio | 9.0203% | 4,708 |
| Tier 1 risk-based capital ratio | 15.8428% | 2,611 |
| Total risk-based capital ratio | 16.2952% | 2,876 |
| Memoranda: | ||
| Average total assets | $214,150,500 | 2,839 |
| Average earning assets | $190,313,500 | 2,928 |
| Average equity | $18,395,500 | 3,359 |
| Average total loans | $122,272,000 | 3,083 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0522% | 5,454 |
| Cost of funding earning assets | 0.0963% | 5,721 |
| Net interest margin | 2.9560% | 5,040 |
| Noninterest income to average assets | 16.1266% | 47 |
| Noninterest expense to average assets | 15.7845% | 45 |
| Loan and lease loss provision to assets | 0.0034% | 4,287 |
| Net operating income to assets | 1.9616% | 349 |
| Return on assets (ROA) | 1.8639% | 410 |
| Pretax return on assets | 2.9001% | 121 |
| Return on Equity (ROE) | 24.9851% | 76 |
| Retained earnings to average equity (ytd only) | 24.3366% | 27 |
| Net charge-offs to loans | -0.0091% | 4,918 |
| Credit loss provision to net charge-offs | -63.6364% | 4,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8411% | 1,023 |
| Assets per employee ($millions) | 0.5176% | 5,880 |
| Cash dividends to net income (ytd only)* | 2.5954% | 4,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3445% | 5,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 5,309 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 63.3701% | 3,430 |
| Net loans and leases to deposits | 78.2376% | 3,075 |
| Net loans and leases to core deposits | 78.5264% | 3,531 |
| Total domestic deposits to total assets | 80.9969% | 4,333 |
| Equity capital to assets | 9.2920% | 4,483 |
| Core capital (leverage) ratio | 8.6441% | 5,127 |
| Tier 1 risk-based capital ratio | 16.3464% | 2,405 |
| Total risk-based capital ratio | 16.7809% | 2,666 |
| Memoranda: | ||
| Average total assets | $206,714,800 | 2,893 |
| Average earning assets | $185,963,800 | 2,940 |
| Average equity | $15,421,200 | 3,762 |
| Average total loans | $121,014,200 | 3,055 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9114% | 5,642 |
| Cost of funding earning assets | 0.0903% | 5,809 |
| Net interest margin | 2.8211% | 5,321 |
| Noninterest income to average assets | 14.5052% | 49 |
| Noninterest expense to average assets | 14.8866% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4366% | 994 |
| Return on assets (ROA) | 1.4537% | 1,014 |
| Pretax return on assets | 2.1935% | 391 |
| Return on Equity (ROE) | 20.6510% | 210 |
| Retained earnings to average equity (ytd only) | 19.7496% | 60 |
| Net charge-offs to loans | -0.0066% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0477% | 730 |
| Assets per employee ($millions) | 0.6801% | 5,940 |
| Cash dividends to net income (ytd only)* | 4.3649% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3007% | 5,859 |
| Loan loss allowance to noncurrent loans | 96.4789% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 4,630 |
| Noncurrent loans to loans | 0.3117% | 4,137 |
| Net loans and leases to total assets | 55.0514% | 4,399 |
| Net loans and leases to deposits | 64.4659% | 4,452 |
| Net loans and leases to core deposits | 64.6405% | 4,691 |
| Total domestic deposits to total assets | 85.3962% | 2,645 |
| Equity capital to assets | 6.6174% | 5,913 |
| Core capital (leverage) ratio | 8.9439% | 4,888 |
| Tier 1 risk-based capital ratio | 14.9698% | 3,063 |
| Total risk-based capital ratio | 15.3697% | 3,419 |
| Memoranda: | ||
| Average total assets | $210,126,250 | 2,867 |
| Average earning assets | $190,513,750 | 2,903 |
| Average equity | $14,791,500 | 3,867 |
| Average total loans | $120,575,000 | 3,063 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0034% | 5,647 |
| Cost of funding earning assets | 0.0862% | 5,906 |
| Net interest margin | 2.9172% | 5,239 |
| Noninterest income to average assets | 13.7534% | 52 |
| Noninterest expense to average assets | 15.2975% | 46 |
| Loan and lease loss provision to assets | 0.0030% | 3,976 |
| Net operating income to assets | 0.7194% | 3,701 |
| Return on assets (ROA) | 0.7872% | 3,520 |
| Pretax return on assets | 1.1586% | 2,947 |
| Return on Equity (ROE) | 10.9104% | 1,681 |
| Retained earnings to average equity (ytd only) | 9.5080% | 715 |
| Net charge-offs to loans | -0.0069% | 4,605 |
| Credit loss provision to net charge-offs | -75.0000% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1045% | 445 |
| Assets per employee ($millions) | 0.6235% | 6,020 |
| Cash dividends to net income (ytd only)* | 12.8535% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3042% | 5,936 |
| Loan loss allowance to noncurrent loans | 99.2771% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 4,600 |
| Noncurrent loans to loans | 0.3064% | 4,271 |
| Net loans and leases to total assets | 62.2345% | 3,597 |
| Net loans and leases to deposits | 72.8897% | 3,712 |
| Net loans and leases to core deposits | 73.1139% | 4,069 |
| Total domestic deposits to total assets | 85.3818% | 2,697 |
| Equity capital to assets | 6.8528% | 5,972 |
| Core capital (leverage) ratio | 8.5439% | 5,327 |
| Tier 1 risk-based capital ratio | 14.2533% | 3,469 |
| Total risk-based capital ratio | 14.6762% | 3,858 |
| Memoranda: | ||
| Average total assets | $197,653,330 | 3,005 |
| Average earning assets | $178,730,000 | 3,056 |
| Average equity | $14,261,670 | 3,961 |
| Average total loans | $115,204,000 | 3,153 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7906% | 5,861 |
| Cost of funding earning assets | 0.0614% | 6,026 |
| Net interest margin | 2.7292% | 5,574 |
| Noninterest income to average assets | 12.0090% | 54 |
| Noninterest expense to average assets | 15.4219% | 45 |
| Loan and lease loss provision to assets | -0.0021% | 5,861 |
| Net operating income to assets | -0.6277% | 5,990 |
| Return on assets (ROA) | -0.4702% | 5,965 |
| Pretax return on assets | -0.7936% | 6,004 |
| Return on Equity (ROE) | -6.3666% | 5,992 |
| Retained earnings to average equity (ytd only) | -9.2474% | 5,786 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3235% | 192 |
| Assets per employee ($millions) | 0.5602% | 6,086 |
| Cash dividends to net income (ytd only)* | -45.2489% | 6,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3631% | 5,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 4,954 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 56.8731% | 4,162 |
| Net loans and leases to deposits | 65.4329% | 4,305 |
| Net loans and leases to core deposits | 65.6515% | 4,557 |
| Total domestic deposits to total assets | 86.9181% | 2,245 |
| Equity capital to assets | 7.0403% | 6,001 |
| Core capital (leverage) ratio | 8.7525% | 5,121 |
| Tier 1 risk-based capital ratio | 14.9853% | 3,170 |
| Total risk-based capital ratio | 15.4751% | 3,477 |
| Memoranda: | ||
| Average total assets | $187,993,000 | 3,113 |
| Average earning assets | $169,425,000 | 3,161 |
| Average equity | $13,885,000 | 4,022 |
| Average total loans | $105,083,000 | 3,332 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,540 |
| Cost of funding earning assets | 0.0743% | 6,053 |
| Net interest margin | 3.5709% | 3,240 |
| Noninterest income to average assets | 18.7982% | 44 |
| Noninterest expense to average assets | 18.7213% | 42 |
| Loan and lease loss provision to assets | -0.2030% | 5,988 |
| Net operating income to assets | 2.1956% | 252 |
| Return on assets (ROA) | 2.1077% | 297 |
| Pretax return on assets | 3.2391% | 103 |
| Return on Equity (ROE) | 25.4982% | 94 |
| Retained earnings to average equity (ytd only) | 17.8879% | 80 |
| Net charge-offs to loans | -0.0532% | 5,575 |
| Credit loss provision to net charge-offs | 581.4815% | 579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4894% | 1,044 |
| Assets per employee ($millions) | 0.5403% | 6,145 |
| Cash dividends to net income (ytd only)* | 29.8466% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4095% | 5,986 |
| Loan loss allowance to noncurrent loans | 134.1060% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 4,249 |
| Noncurrent loans to loans | 0.3054% | 4,364 |
| Net loans and leases to total assets | 54.4170% | 4,464 |
| Net loans and leases to deposits | 64.3877% | 4,439 |
| Net loans and leases to core deposits | 64.4974% | 4,708 |
| Total domestic deposits to total assets | 84.5145% | 3,279 |
| Equity capital to assets | 7.8466% | 5,905 |
| Core capital (leverage) ratio | 8.9327% | 4,965 |
| Tier 1 risk-based capital ratio | 16.1712% | 2,614 |
| Total risk-based capital ratio | 16.7128% | 2,886 |
| Memoranda: | ||
| Average total assets | $154,674,200 | 3,500 |
| Average earning assets | $131,983,800 | 3,660 |
| Average equity | $12,785,200 | 4,177 |
| Average total loans | $101,435,600 | 3,359 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9081% | 3,720 |
| Cost of funding earning assets | 0.0814% | 6,115 |
| Net interest margin | 3.8268% | 2,279 |
| Noninterest income to average assets | 19.7824% | 45 |
| Noninterest expense to average assets | 19.0208% | 44 |
| Loan and lease loss provision to assets | -0.1774% | 6,081 |
| Net operating income to assets | 2.7450% | 114 |
| Return on assets (ROA) | 2.6856% | 127 |
| Pretax return on assets | 4.0982% | 76 |
| Return on Equity (ROE) | 31.9944% | 42 |
| Retained earnings to average equity (ytd only) | 26.4064% | 39 |
| Net charge-offs to loans | -0.0039% | 4,790 |
| Credit loss provision to net charge-offs | 6,566.6667% | 60 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4879% | 1,330 |
| Assets per employee ($millions) | 0.4779% | 6,240 |
| Cash dividends to net income (ytd only)* | 17.4657% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4700% | 6,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 4,445 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 61.9273% | 3,617 |
| Net loans and leases to deposits | 80.8608% | 2,783 |
| Net loans and leases to core deposits | 81.0290% | 3,340 |
| Total domestic deposits to total assets | 76.5850% | 5,407 |
| Equity capital to assets | 8.9280% | 5,373 |
| Core capital (leverage) ratio | 10.3403% | 3,208 |
| Tier 1 risk-based capital ratio | 16.4932% | 2,581 |
| Total risk-based capital ratio | 17.0592% | 2,826 |
| Memoranda: | ||
| Average total assets | $148,094,000 | 3,630 |
| Average earning assets | $124,557,750 | 3,839 |
| Average equity | $12,431,000 | 4,279 |
| Average total loans | $102,070,250 | 3,385 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 3,391 |
| Cost of funding earning assets | 0.0872% | 6,175 |
| Net interest margin | 3.8881% | 2,027 |
| Noninterest income to average assets | 21.1736% | 43 |
| Noninterest expense to average assets | 19.6003% | 41 |
| Loan and lease loss provision to assets | -0.1850% | 6,172 |
| Net operating income to assets | 3.2899% | 81 |
| Return on assets (ROA) | 3.1633% | 87 |
| Pretax return on assets | 4.8576% | 61 |
| Return on Equity (ROE) | 38.6023% | 28 |
| Retained earnings to average equity (ytd only) | 29.7581% | 32 |
| Net charge-offs to loans | -0.0039% | 4,684 |
| Credit loss provision to net charge-offs | 6,650.0000% | 72 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1254% | 1,739 |
| Assets per employee ($millions) | 0.4986% | 6,316 |
| Cash dividends to net income (ytd only)* | 22.9112% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4604% | 6,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 4,610 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 68.9161% | 2,498 |
| Net loans and leases to deposits | 87.6415% | 1,879 |
| Net loans and leases to core deposits | 87.8095% | 2,571 |
| Total domestic deposits to total assets | 78.6341% | 5,169 |
| Equity capital to assets | 8.1630% | 5,906 |
| Core capital (leverage) ratio | 9.6645% | 4,048 |
| Tier 1 risk-based capital ratio | 14.2020% | 3,814 |
| Total risk-based capital ratio | 14.7902% | 4,125 |
| Memoranda: | ||
| Average total assets | $143,773,670 | 3,720 |
| Average earning assets | $119,287,670 | 3,964 |
| Average equity | $11,781,670 | 4,419 |
| Average total loans | $102,691,000 | 3,386 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 2,881 |
| Cost of funding earning assets | 0.0950% | 6,226 |
| Net interest margin | 3.9936% | 1,579 |
| Noninterest income to average assets | 17.9198% | 47 |
| Noninterest expense to average assets | 21.3194% | 36 |
| Loan and lease loss provision to assets | -0.3518% | 6,320 |
| Net operating income to assets | 0.0910% | 5,894 |
| Return on assets (ROA) | 0.2487% | 5,657 |
| Pretax return on assets | 0.2972% | 5,656 |
| Return on Equity (ROE) | 3.0272% | 5,368 |
| Retained earnings to average equity (ytd only) | -16.2067% | 6,236 |
| Net charge-offs to loans | -0.0042% | 4,455 |
| Credit loss provision to net charge-offs | 11,600.0000% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7471% | 351 |
| Assets per employee ($millions) | 0.4182% | 6,392 |
| Cash dividends to net income (ytd only)* | 635.3659% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5472% | 6,121 |
| Loan loss allowance to noncurrent loans | 175.7188% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 4,039 |
| Noncurrent loans to loans | 0.3114% | 4,675 |
| Net loans and leases to total assets | 73.0928% | 1,640 |
| Net loans and leases to deposits | 91.3898% | 1,247 |
| Net loans and leases to core deposits | 91.3898% | 1,995 |
| Total domestic deposits to total assets | 79.9792% | 5,057 |
| Equity capital to assets | 8.3965% | 5,808 |
| Core capital (leverage) ratio | 10.1232% | 3,434 |
| Tier 1 risk-based capital ratio | 12.4484% | 4,944 |
| Total risk-based capital ratio | 13.0811% | 5,246 |
| Memoranda: | ||
| Average total assets | $131,898,500 | 3,958 |
| Average earning assets | $105,268,500 | 4,268 |
| Average equity | $10,835,000 | 4,630 |
| Average total loans | $96,044,000 | 3,521 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 1,709 |
| Cost of funding earning assets | 0.1173% | 6,261 |
| Net interest margin | 4.4288% | 847 |
| Noninterest income to average assets | 22.3081% | 36 |
| Noninterest expense to average assets | 24.5576% | 29 |
| Loan and lease loss provision to assets | -0.2609% | 6,344 |
| Net operating income to assets | 1.0892% | 2,017 |
| Return on assets (ROA) | 0.9740% | 2,587 |
| Pretax return on assets | 1.5414% | 1,409 |
| Return on Equity (ROE) | 11.4323% | 1,578 |
| Retained earnings to average equity (ytd only) | 6.6307% | 1,579 |
| Net charge-offs to loans | -0.0058% | 5,481 |
| Credit loss provision to net charge-offs | 6,160.0000% | 46 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3904% | 578 |
| Assets per employee ($millions) | 0.3985% | 6,481 |
| Cash dividends to net income (ytd only)* | 42.0000% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 5,938 |
| Loan loss allowance to noncurrent loans | 239.2086% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4948% | 4,149 |
| Noncurrent loans to loans | 0.3035% | 4,760 |
| Net loans and leases to total assets | 71.0746% | 2,061 |
| Net loans and leases to deposits | 90.1439% | 1,506 |
| Net loans and leases to core deposits | 90.1439% | 2,263 |
| Total domestic deposits to total assets | 78.8457% | 5,280 |
| Equity capital to assets | 8.1769% | 5,976 |
| Core capital (leverage) ratio | 13.2819% | 1,031 |
| Tier 1 risk-based capital ratio | 16.3519% | 2,786 |
| Total risk-based capital ratio | 17.1325% | 2,969 |
| Memoranda: | ||
| Average total assets | $118,073,600 | 4,225 |
| Average earning assets | $97,182,000 | 4,476 |
| Average equity | $10,059,200 | 4,739 |
| Average total loans | $86,059,600 | 3,712 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 1,647 |
| Cost of funding earning assets | 0.1174% | 6,351 |
| Net interest margin | 4.4515% | 816 |
| Noninterest income to average assets | 22.5116% | 35 |
| Noninterest expense to average assets | 24.7928% | 29 |
| Loan and lease loss provision to assets | -0.3425% | 6,489 |
| Net operating income to assets | 1.1844% | 1,737 |
| Return on assets (ROA) | 1.0229% | 2,411 |
| Pretax return on assets | 1.6180% | 1,269 |
| Return on Equity (ROE) | 11.8751% | 1,508 |
| Retained earnings to average equity (ytd only) | 7.8051% | 1,444 |
| Net charge-offs to loans | -0.0063% | 5,338 |
| Credit loss provision to net charge-offs | 7,425.0000% | 54 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2886% | 581 |
| Assets per employee ($millions) | 0.3454% | 6,563 |
| Cash dividends to net income (ytd only)* | 34.2725% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7999% | 5,872 |
| Loan loss allowance to noncurrent loans | 6,145.4545% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 4,953 |
| Noncurrent loans to loans | 0.0130% | 5,981 |
| Net loans and leases to total assets | 74.4580% | 1,450 |
| Net loans and leases to deposits | 94.0887% | 1,034 |
| Net loans and leases to core deposits | 94.0887% | 1,856 |
| Total domestic deposits to total assets | 79.1360% | 5,294 |
| Equity capital to assets | 9.2299% | 5,114 |
| Core capital (leverage) ratio | 12.7445% | 1,284 |
| Tier 1 risk-based capital ratio | 19.3756% | 1,807 |
| Total risk-based capital ratio | 20.3224% | 1,853 |
| Memoranda: | ||
| Average total assets | $115,611,500 | 4,306 |
| Average earning assets | $96,565,250 | 4,536 |
| Average equity | $9,959,000 | 4,797 |
| Average total loans | $84,678,250 | 3,785 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 2,153 |
| Cost of funding earning assets | 0.1190% | 6,418 |
| Net interest margin | 4.2885% | 1,046 |
| Noninterest income to average assets | 21.0533% | 35 |
| Noninterest expense to average assets | 23.9139% | 28 |
| Loan and lease loss provision to assets | -0.3447% | 6,545 |
| Net operating income to assets | 0.7186% | 3,735 |
| Return on assets (ROA) | 0.5968% | 4,465 |
| Pretax return on assets | 0.9484% | 3,684 |
| Return on Equity (ROE) | 7.0914% | 3,579 |
| Retained earnings to average equity (ytd only) | 5.5631% | 2,605 |
| Net charge-offs to loans | -0.0094% | 5,309 |
| Credit loss provision to net charge-offs | 5,025.0000% | 72 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8052% | 519 |
| Assets per employee ($millions) | 0.4018% | 6,627 |
| Cash dividends to net income (ytd only)* | 21.5517% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8123% | 5,943 |
| Loan loss allowance to noncurrent loans | 7,009.0909% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 5,205 |
| Noncurrent loans to loans | 0.0116% | 6,051 |
| Net loans and leases to total assets | 73.6822% | 1,478 |
| Net loans and leases to deposits | 91.1340% | 1,257 |
| Net loans and leases to core deposits | 91.1340% | 2,015 |
| Total domestic deposits to total assets | 80.8504% | 5,027 |
| Equity capital to assets | 7.9062% | 6,203 |
| Core capital (leverage) ratio | 12.9364% | 1,175 |
| Tier 1 risk-based capital ratio | 17.4897% | 2,417 |
| Total risk-based capital ratio | 18.4897% | 2,481 |
| Memoranda: | ||
| Average total assets | $116,618,330 | 4,315 |
| Average earning assets | $97,517,670 | 4,541 |
| Average equity | $9,814,670 | 4,842 |
| Average total loans | $84,734,670 | 3,800 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3874% | 2,186 |
| Cost of funding earning assets | 0.1293% | 6,445 |
| Net interest margin | 4.2581% | 1,085 |
| Noninterest income to average assets | 18.8327% | 40 |
| Noninterest expense to average assets | 25.0178% | 31 |
| Loan and lease loss provision to assets | -0.7205% | 6,689 |
| Net operating income to assets | -1.2572% | 6,614 |
| Return on assets (ROA) | -1.2716% | 6,611 |
| Pretax return on assets | -1.9200% | 6,641 |
| Return on Equity (ROE) | -14.6004% | 6,601 |
| Retained earnings to average equity (ytd only) | -14.6004% | 6,458 |
| Net charge-offs to loans | -0.0151% | 5,209 |
| Credit loss provision to net charge-offs | 6,666.6667% | 42 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4382% | 249 |
| Assets per employee ($millions) | 0.3570% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 5,754 |
| Loan loss allowance to noncurrent loans | 7,009.0909% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 5,154 |
| Noncurrent loans to loans | 0.0134% | 6,129 |
| Net loans and leases to total assets | 72.1001% | 1,563 |
| Net loans and leases to deposits | 90.0370% | 1,148 |
| Net loans and leases to core deposits | 90.0370% | 1,902 |
| Total domestic deposits to total assets | 80.0783% | 5,468 |
| Equity capital to assets | 8.3873% | 5,755 |
| Core capital (leverage) ratio | 12.9942% | 1,166 |
| Tier 1 risk-based capital ratio | 18.5222% | 2,115 |
| Total risk-based capital ratio | 19.6388% | 2,116 |
| Memoranda: | ||
| Average total assets | $111,041,000 | 4,469 |
| Average earning assets | $92,811,500 | 4,707 |
| Average equity | $9,671,000 | 4,896 |
| Average total loans | $79,643,500 | 3,944 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4019% | 2,580 |
| Cost of funding earning assets | 0.1346% | 6,592 |
| Net interest margin | 4.2672% | 1,176 |
| Noninterest income to average assets | 23.3055% | 31 |
| Noninterest expense to average assets | 23.6933% | 29 |
| Loan and lease loss provision to assets | 0.0843% | 3,429 |
| Net operating income to assets | 1.5561% | 749 |
| Return on assets (ROA) | 1.0444% | 2,208 |
| Pretax return on assets | 2.6773% | 165 |
| Return on Equity (ROE) | 12.7338% | 1,226 |
| Retained earnings to average equity (ytd only) | 12.7338% | 256 |
| Net charge-offs to loans | 0.3257% | 2,052 |
| Credit loss provision to net charge-offs | 34.4828% | 4,157 |
| Earnings coverage of net charge-offs (x) | 13.3897% | 2,030 |
| Efficiency ratio | 87.8618% | 1,232 |
| Assets per employee ($millions) | 0.3424% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 4,354 |
| Loan loss allowance to noncurrent loans | 8,800.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 5,034 |
| Noncurrent loans to loans | 0.0143% | 6,236 |
| Net loans and leases to total assets | 69.7371% | 2,058 |
| Net loans and leases to deposits | 87.7234% | 1,498 |
| Net loans and leases to core deposits | 87.9835% | 2,248 |
| Total domestic deposits to total assets | 79.4966% | 5,549 |
| Equity capital to assets | 9.0442% | 4,974 |
| Core capital (leverage) ratio | 12.8889% | 1,183 |
| Tier 1 risk-based capital ratio | 20.0516% | 1,642 |
| Total risk-based capital ratio | 21.3045% | 1,610 |
| Memoranda: | ||
| Average total assets | $118,628,600 | 4,300 |
| Average earning assets | $101,775,200 | 4,466 |
| Average equity | $9,730,000 | 4,914 |
| Average total loans | $89,033,800 | 3,711 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,843 |
| Cost of funding earning assets | 0.1337% | 6,690 |
| Net interest margin | 4.2033% | 1,321 |
| Noninterest income to average assets | 24.2759% | 32 |
| Noninterest expense to average assets | 23.4124% | 31 |
| Loan and lease loss provision to assets | 0.1211% | 2,782 |
| Net operating income to assets | 2.8932% | 121 |
| Return on assets (ROA) | 2.2963% | 227 |
| Pretax return on assets | 3.7820% | 83 |
| Return on Equity (ROE) | 28.6583% | 83 |
| Retained earnings to average equity (ytd only) | 28.6583% | 36 |
| Net charge-offs to loans | 0.3548% | 1,773 |
| Credit loss provision to net charge-offs | 44.8980% | 3,617 |
| Earnings coverage of net charge-offs (x) | 16.6775% | 1,785 |
| Efficiency ratio | 83.8778% | 1,615 |
| Assets per employee ($millions) | 0.3657% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 4,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 5,264 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 74.8187% | 1,155 |
| Net loans and leases to deposits | 94.2096% | 817 |
| Net loans and leases to core deposits | 94.7530% | 1,499 |
| Total domestic deposits to total assets | 79.4172% | 5,645 |
| Equity capital to assets | 9.3879% | 4,692 |
| Core capital (leverage) ratio | 12.6857% | 1,331 |
| Tier 1 risk-based capital ratio | 19.7467% | 1,799 |
| Total risk-based capital ratio | 20.9989% | 1,763 |
| Memoranda: | ||
| Average total assets | $121,061,000 | 4,303 |
| Average earning assets | $104,740,250 | 4,437 |
| Average equity | $9,700,250 | 4,971 |
| Average total loans | $92,064,500 | 3,664 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,579 |
| Cost of funding earning assets | 0.1585% | 6,680 |
| Net interest margin | 3.9824% | 1,926 |
| Noninterest income to average assets | 25.4274% | 32 |
| Noninterest expense to average assets | 23.3789% | 31 |
| Loan and lease loss provision to assets | 0.0437% | 4,092 |
| Net operating income to assets | 3.6112% | 78 |
| Return on assets (ROA) | 2.9635% | 121 |
| Pretax return on assets | 4.8160% | 60 |
| Return on Equity (ROE) | 39.0414% | 33 |
| Retained earnings to average equity (ytd only) | 39.0414% | 15 |
| Net charge-offs to loans | 0.0191% | 4,463 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 377.8889% | 132 |
| Efficiency ratio | 80.9340% | 2,033 |
| Assets per employee ($millions) | 0.3904% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 4,791 |
| Loan loss allowance to noncurrent loans | 840.7143% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 5,235 |
| Noncurrent loans to loans | 0.1473% | 5,953 |
| Net loans and leases to total assets | 77.0623% | 864 |
| Net loans and leases to deposits | 97.6448% | 561 |
| Net loans and leases to core deposits | 98.1718% | 1,199 |
| Total domestic deposits to total assets | 78.9211% | 5,814 |
| Equity capital to assets | 8.5531% | 5,714 |
| Core capital (leverage) ratio | 12.4491% | 1,386 |
| Tier 1 risk-based capital ratio | 17.7438% | 2,416 |
| Total risk-based capital ratio | 18.9980% | 2,383 |
| Memoranda: | ||
| Average total assets | $123,504,330 | 4,265 |
| Average earning assets | $107,272,330 | 4,407 |
| Average equity | $9,374,670 | 5,087 |
| Average total loans | $94,047,670 | 3,633 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0857% | 3,783 |
| Cost of funding earning assets | 0.1516% | 6,794 |
| Net interest margin | 3.9341% | 2,003 |
| Noninterest income to average assets | 23.4073% | 33 |
| Noninterest expense to average assets | 23.5295% | 32 |
| Loan and lease loss provision to assets | 0.0804% | 3,305 |
| Net operating income to assets | 2.1230% | 279 |
| Return on assets (ROA) | 1.6566% | 704 |
| Pretax return on assets | 2.7534% | 198 |
| Return on Equity (ROE) | 23.2689% | 160 |
| Retained earnings to average equity (ytd only) | 23.2689% | 81 |
| Net charge-offs to loans | -0.0086% | 5,391 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6993% | 1,354 |
| Assets per employee ($millions) | 0.3712% | 6,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 4,520 |
| Loan loss allowance to noncurrent loans | 1,316.6667% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 5,383 |
| Noncurrent loans to loans | 0.1017% | 6,173 |
| Net loans and leases to total assets | 76.1495% | 819 |
| Net loans and leases to deposits | 95.9953% | 544 |
| Net loans and leases to core deposits | 96.5427% | 1,175 |
| Total domestic deposits to total assets | 79.3263% | 5,905 |
| Equity capital to assets | 7.9429% | 6,413 |
| Core capital (leverage) ratio | 11.2536% | 2,051 |
| Tier 1 risk-based capital ratio | 17.0740% | 2,711 |
| Total risk-based capital ratio | 18.3296% | 2,684 |
| Memoranda: | ||
| Average total assets | $124,354,500 | 4,297 |
| Average earning assets | $108,183,000 | 4,418 |
| Average equity | $8,853,000 | 5,254 |
| Average total loans | $93,550,500 | 3,665 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 4,333 |
| Cost of funding earning assets | 0.1367% | 6,947 |
| Net interest margin | 4.1304% | 1,886 |
| Noninterest income to average assets | 21.5289% | 38 |
| Noninterest expense to average assets | 20.0792% | 36 |
| Loan and lease loss provision to assets | 1.0832% | 355 |
| Net operating income to assets | 2.5089% | 150 |
| Return on assets (ROA) | 1.6183% | 808 |
| Pretax return on assets | 3.1371% | 126 |
| Return on Equity (ROE) | 26.2548% | 96 |
| Retained earnings to average equity (ytd only) | 26.2548% | 24 |
| Net charge-offs to loans | 1.5888% | 535 |
| Credit loss provision to net charge-offs | 92.6295% | 3,362 |
| Earnings coverage of net charge-offs (x) | 4.3705% | 3,393 |
| Efficiency ratio | 79.7102% | 2,181 |
| Assets per employee ($millions) | 0.4337% | 7,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1748% | 5,235 |
| Loan loss allowance to noncurrent loans | 1,272.5275% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 4,518 |
| Noncurrent loans to loans | 0.0923% | 6,254 |
| Net loans and leases to total assets | 72.6924% | 1,390 |
| Net loans and leases to deposits | 86.8251% | 1,403 |
| Net loans and leases to core deposits | 87.4299% | 2,152 |
| Total domestic deposits to total assets | 83.7228% | 4,426 |
| Equity capital to assets | 6.4140% | 6,853 |
| Core capital (leverage) ratio | 9.6868% | 3,831 |
| Tier 1 risk-based capital ratio | 14.2852% | 4,176 |
| Total risk-based capital ratio | 15.5383% | 4,130 |
| Memoranda: | ||
| Average total assets | $128,780,200 | 4,173 |
| Average earning assets | $114,152,800 | 4,245 |
| Average equity | $7,937,600 | 5,523 |
| Average total loans | $94,790,000 | 3,645 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3000% | 4,455 |
| Cost of funding earning assets | 0.1431% | 7,050 |
| Net interest margin | 4.1569% | 1,877 |
| Noninterest income to average assets | 19.7671% | 40 |
| Noninterest expense to average assets | 18.9670% | 40 |
| Loan and lease loss provision to assets | 1.4361% | 223 |
| Net operating income to assets | 2.9590% | 107 |
| Return on assets (ROA) | 2.0009% | 433 |
| Pretax return on assets | 2.1128% | 556 |
| Return on Equity (ROE) | 32.8125% | 49 |
| Retained earnings to average equity (ytd only) | 32.8125% | 25 |
| Net charge-offs to loans | 2.1041% | 327 |
| Credit loss provision to net charge-offs | 92.7076% | 3,216 |
| Earnings coverage of net charge-offs (x) | 2.9095% | 3,867 |
| Efficiency ratio | 80.8002% | 1,975 |
| Assets per employee ($millions) | 0.4292% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,648 |
| Loan loss allowance to noncurrent loans | 206.9519% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 4,540 |
| Noncurrent loans to loans | 0.5398% | 5,365 |
| Net loans and leases to total assets | 79.2956% | 567 |
| Net loans and leases to deposits | 102.1143% | 341 |
| Net loans and leases to core deposits | 102.9078% | 936 |
| Total domestic deposits to total assets | 77.6537% | 6,138 |
| Equity capital to assets | 6.7865% | 6,909 |
| Core capital (leverage) ratio | 10.1879% | 3,299 |
| Tier 1 risk-based capital ratio | 16.1962% | 3,173 |
| Total risk-based capital ratio | 17.4487% | 3,139 |
| Memoranda: | ||
| Average total assets | $127,474,500 | 4,241 |
| Average earning assets | $113,671,000 | 4,297 |
| Average equity | $7,773,250 | 5,617 |
| Average total loans | $93,845,500 | 3,699 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 5,155 |
| Cost of funding earning assets | 0.1685% | 7,078 |
| Net interest margin | 3.9747% | 2,612 |
| Noninterest income to average assets | 18.6159% | 42 |
| Noninterest expense to average assets | 18.2136% | 45 |
| Loan and lease loss provision to assets | 0.9261% | 495 |
| Net operating income to assets | 3.0119% | 103 |
| Return on assets (ROA) | 2.0290% | 424 |
| Pretax return on assets | 2.0290% | 660 |
| Return on Equity (ROE) | 34.6056% | 54 |
| Retained earnings to average equity (ytd only) | 34.6056% | 38 |
| Net charge-offs to loans | 2.6657% | 252 |
| Credit loss provision to net charge-offs | 48.6733% | 4,066 |
| Earnings coverage of net charge-offs (x) | 2.0697% | 3,953 |
| Efficiency ratio | 82.2222% | 1,853 |
| Assets per employee ($millions) | 0.4883% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6604% | 6,870 |
| Loan loss allowance to noncurrent loans | 60.8045% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 4,037 |
| Noncurrent loans to loans | 1.0861% | 4,352 |
| Net loans and leases to total assets | 72.0229% | 1,551 |
| Net loans and leases to deposits | 92.4301% | 896 |
| Net loans and leases to core deposits | 93.3799% | 1,661 |
| Total domestic deposits to total assets | 77.9215% | 6,168 |
| Equity capital to assets | 6.0128% | 7,025 |
| Core capital (leverage) ratio | 10.0240% | 3,393 |
| Tier 1 risk-based capital ratio | 15.5573% | 3,402 |
| Total risk-based capital ratio | 16.4142% | 3,624 |
| Memoranda: | ||
| Average total assets | $126,762,670 | 4,271 |
| Average earning assets | $112,762,330 | 4,338 |
| Average equity | $7,432,330 | 5,730 |
| Average total loans | $90,482,000 | 3,793 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 4,367 |
| Cost of funding earning assets | 0.2504% | 7,005 |
| Net interest margin | 4.1389% | 1,968 |
| Noninterest income to average assets | 18.2622% | 40 |
| Noninterest expense to average assets | 19.1717% | 35 |
| Loan and lease loss provision to assets | 0.2323% | 2,623 |
| Net operating income to assets | 2.5355% | 173 |
| Return on assets (ROA) | 1.2727% | 1,702 |
| Pretax return on assets | 1.2727% | 2,642 |
| Return on Equity (ROE) | 22.0178% | 274 |
| Retained earnings to average equity (ytd only) | 22.0178% | 133 |
| Net charge-offs to loans | 1.5120% | 662 |
| Credit loss provision to net charge-offs | 21.7125% | 3,749 |
| Earnings coverage of net charge-offs (x) | 2.5872% | 3,136 |
| Efficiency ratio | 87.3844% | 1,347 |
| Assets per employee ($millions) | 0.4467% | 7,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 5,383 |
| Loan loss allowance to noncurrent loans | 113.0580% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 1.5428% | 3,550 |
| Noncurrent loans to loans | 1.0820% | 4,532 |
| Net loans and leases to total assets | 65.6261% | 2,540 |
| Net loans and leases to deposits | 74.0767% | 3,116 |
| Net loans and leases to core deposits | 74.8057% | 3,783 |
| Total domestic deposits to total assets | 88.5920% | 1,959 |
| Equity capital to assets | 5.8191% | 7,088 |
| Core capital (leverage) ratio | 9.5151% | 4,028 |
| Tier 1 risk-based capital ratio | 15.1815% | 3,634 |
| Total risk-based capital ratio | 16.4339% | 3,588 |
| Memoranda: | ||
| Average total assets | $122,263,500 | 4,403 |
| Average earning assets | $108,627,000 | 4,466 |
| Average equity | $7,067,000 | 5,850 |
| Average total loans | $86,508,500 | 3,922 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 5,533 |
| Cost of funding earning assets | 0.5261% | 6,433 |
| Net interest margin | 3.8446% | 3,596 |
| Noninterest income to average assets | 11.0297% | 60 |
| Noninterest expense to average assets | 15.1577% | 45 |
| Loan and lease loss provision to assets | 0.2759% | 3,459 |
| Net operating income to assets | -0.8075% | 6,660 |
| Return on assets (ROA) | -0.2522% | 6,361 |
| Pretax return on assets | -0.4117% | 6,426 |
| Return on Equity (ROE) | -4.3002% | 6,490 |
| Retained earnings to average equity (ytd only) | -4.3002% | 6,396 |
| Net charge-offs to loans | 0.8643% | 2,005 |
| Credit loss provision to net charge-offs | 45.3890% | 5,523 |
| Earnings coverage of net charge-offs (x) | -1.1369% | 6,213 |
| Efficiency ratio | 104.7769% | 545 |
| Assets per employee ($millions) | 0.4457% | 7,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 4,422 |
| Loan loss allowance to noncurrent loans | 77.2368% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 2.3414% | 2,589 |
| Noncurrent loans to loans | 1.8214% | 3,440 |
| Net loans and leases to total assets | 74.1855% | 1,240 |
| Net loans and leases to deposits | 87.5900% | 1,438 |
| Net loans and leases to core deposits | 89.0217% | 2,248 |
| Total domestic deposits to total assets | 84.6963% | 4,002 |
| Equity capital to assets | 5.7396% | 7,112 |
| Core capital (leverage) ratio | 8.8819% | 4,972 |
| Tier 1 risk-based capital ratio | 15.1692% | 3,532 |
| Total risk-based capital ratio | 16.4282% | 3,493 |
| Memoranda: | ||
| Average total assets | $114,173,200 | 4,548 |
| Average earning assets | $102,064,600 | 4,586 |
| Average equity | $6,697,400 | 5,955 |
| Average total loans | $80,297,200 | 4,133 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 5,666 |
| Cost of funding earning assets | 0.5214% | 6,618 |
| Net interest margin | 3.8605% | 3,570 |
| Noninterest income to average assets | 10.0306% | 65 |
| Noninterest expense to average assets | 14.5079% | 48 |
| Loan and lease loss provision to assets | 0.4234% | 2,354 |
| Net operating income to assets | -1.4510% | 7,031 |
| Return on assets (ROA) | -0.8657% | 6,865 |
| Pretax return on assets | -0.8657% | 6,814 |
| Return on Equity (ROE) | -14.6731% | 7,005 |
| Retained earnings to average equity (ytd only) | -14.6731% | 6,980 |
| Net charge-offs to loans | 0.4232% | 3,028 |
| Credit loss provision to net charge-offs | 144.9393% | 2,185 |
| Earnings coverage of net charge-offs (x) | -3.5182% | 6,076 |
| Efficiency ratio | 107.6235% | 474 |
| Assets per employee ($millions) | 0.4924% | 7,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8213% | 2,862 |
| Loan loss allowance to noncurrent loans | 88.9840% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 2.5883% | 2,492 |
| Noncurrent loans to loans | 2.0468% | 3,308 |
| Net loans and leases to total assets | 70.2322% | 2,040 |
| Net loans and leases to deposits | 86.2112% | 1,661 |
| Net loans and leases to core deposits | 87.4029% | 2,573 |
| Total domestic deposits to total assets | 81.4652% | 5,269 |
| Equity capital to assets | 5.1013% | 7,255 |
| Core capital (leverage) ratio | 9.6669% | 3,892 |
| Tier 1 risk-based capital ratio | 15.1612% | 3,571 |
| Total risk-based capital ratio | 16.4255% | 3,528 |
| Memoranda: | ||
| Average total assets | $112,745,000 | 4,606 |
| Average earning assets | $100,744,000 | 4,652 |
| Average equity | $6,651,500 | 6,012 |
| Average total loans | $77,819,750 | 4,252 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 5,601 |
| Cost of funding earning assets | 0.5362% | 6,721 |
| Net interest margin | 3.8918% | 3,361 |
| Noninterest income to average assets | 13.3990% | 50 |
| Noninterest expense to average assets | 17.3739% | 41 |
| Loan and lease loss provision to assets | 0.0036% | 6,198 |
| Net operating income to assets | -0.5089% | 6,698 |
| Return on assets (ROA) | 0.0344% | 6,238 |
| Pretax return on assets | 0.0344% | 6,218 |
| Return on Equity (ROE) | 0.5560% | 6,177 |
| Retained earnings to average equity (ytd only) | 0.5560% | 5,630 |
| Net charge-offs to loans | 0.0319% | 5,400 |
| Credit loss provision to net charge-offs | 16.6667% | 5,179 |
| Earnings coverage of net charge-offs (x) | -23.2500% | 5,844 |
| Efficiency ratio | 102.9952% | 633 |
| Assets per employee ($millions) | 0.4267% | 7,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1928% | 1,931 |
| Loan loss allowance to noncurrent loans | 76.3636% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 3.3924% | 1,946 |
| Noncurrent loans to loans | 2.8716% | 2,546 |
| Net loans and leases to total assets | 72.2372% | 1,744 |
| Net loans and leases to deposits | 83.8854% | 2,125 |
| Net loans and leases to core deposits | 85.7622% | 2,939 |
| Total domestic deposits to total assets | 86.1142% | 3,262 |
| Equity capital to assets | 6.7758% | 7,145 |
| Core capital (leverage) ratio | 10.1978% | 3,037 |
| Tier 1 risk-based capital ratio | 17.8408% | 2,227 |
| Total risk-based capital ratio | 19.0605% | 2,189 |
| Memoranda: | ||
| Average total assets | $110,441,330 | 4,693 |
| Average earning assets | $98,464,670 | 4,746 |
| Average equity | $6,834,000 | 5,972 |
| Average total loans | $75,227,670 | 4,378 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 6,364 |
| Cost of funding earning assets | 0.5306% | 6,862 |
| Net interest margin | 3.6326% | 4,412 |
| Noninterest income to average assets | 12.7202% | 58 |
| Noninterest expense to average assets | 16.3277% | 45 |
| Loan and lease loss provision to assets | 0.0035% | 5,817 |
| Net operating income to assets | -0.3510% | 6,704 |
| Return on assets (ROA) | 0.0174% | 6,352 |
| Pretax return on assets | 0.0174% | 6,331 |
| Return on Equity (ROE) | 0.2931% | 6,312 |
| Retained earnings to average equity (ytd only) | 0.2931% | 5,692 |
| Net charge-offs to loans | 0.3656% | 2,603 |
| Credit loss provision to net charge-offs | 1.4493% | 4,464 |
| Earnings coverage of net charge-offs (x) | -1.4493% | 4,932 |
| Efficiency ratio | 102.1749% | 665 |
| Assets per employee ($millions) | 0.5478% | 7,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2709% | 1,815 |
| Loan loss allowance to noncurrent loans | 67.1483% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 3.2980% | 2,078 |
| Noncurrent loans to loans | 3.3819% | 2,217 |
| Net loans and leases to total assets | 59.1069% | 4,444 |
| Net loans and leases to deposits | 66.7118% | 4,876 |
| Net loans and leases to core deposits | 68.0477% | 5,281 |
| Total domestic deposits to total assets | 88.6004% | 2,016 |
| Equity capital to assets | 5.9354% | 7,290 |
| Core capital (leverage) ratio | 10.3787% | 2,724 |
| Tier 1 risk-based capital ratio | 18.3231% | 2,010 |
| Total risk-based capital ratio | 19.4707% | 2,008 |
| Memoranda: | ||
| Average total assets | $115,092,500 | 4,616 |
| Average earning assets | $103,286,000 | 4,651 |
| Average equity | $6,824,500 | 5,980 |
| Average total loans | $75,492,500 | 4,402 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 7,097 |
| Cost of funding earning assets | 0.6429% | 7,021 |
| Net interest margin | 3.4065% | 5,606 |
| Noninterest income to average assets | 11.4220% | 59 |
| Noninterest expense to average assets | 13.3732% | 58 |
| Loan and lease loss provision to assets | 0.6801% | 2,422 |
| Net operating income to assets | 0.1331% | 5,493 |
| Return on assets (ROA) | -0.1688% | 6,128 |
| Pretax return on assets | -0.0688% | 5,971 |
| Return on Equity (ROE) | -3.3035% | 6,302 |
| Retained earnings to average equity (ytd only) | -4.0124% | 6,203 |
| Net charge-offs to loans | 0.5991% | 3,233 |
| Credit loss provision to net charge-offs | 190.0810% | 1,700 |
| Earnings coverage of net charge-offs (x) | 2.5587% | 3,831 |
| Efficiency ratio | 93.5929% | 1,082 |
| Assets per employee ($millions) | 0.5331% | 7,616 |
| Cash dividends to net income (ytd only)* | -21.4592% | 7,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0243% | 2,240 |
| Loan loss allowance to noncurrent loans | 88.7453% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 2.8512% | 2,457 |
| Noncurrent loans to loans | 2.2811% | 3,236 |
| Net loans and leases to total assets | 69.2694% | 2,713 |
| Net loans and leases to deposits | 80.9009% | 3,012 |
| Net loans and leases to core deposits | 82.5692% | 3,811 |
| Total domestic deposits to total assets | 85.6226% | 3,542 |
| Equity capital to assets | 5.9238% | 7,352 |
| Core capital (leverage) ratio | 9.2739% | 4,058 |
| Tier 1 risk-based capital ratio | 17.5497% | 2,156 |
| Total risk-based capital ratio | 18.7441% | 2,142 |
| Memoranda: | ||
| Average total assets | $138,067,400 | 4,092 |
| Average earning assets | $116,189,000 | 4,312 |
| Average equity | $7,053,200 | 6,014 |
| Average total loans | $82,461,200 | 4,262 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8767% | 7,358 |
| Cost of funding earning assets | 0.6413% | 7,198 |
| Net interest margin | 3.2354% | 6,228 |
| Noninterest income to average assets | 9.1209% | 69 |
| Noninterest expense to average assets | 11.7143% | 65 |
| Loan and lease loss provision to assets | -0.1873% | 7,718 |
| Net operating income to assets | 0.2791% | 5,243 |
| Return on assets (ROA) | 0.1613% | 5,767 |
| Pretax return on assets | 0.1613% | 5,812 |
| Return on Equity (ROE) | 3.2623% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.3249% | 4,774 |
| Net charge-offs to loans | -0.6060% | 7,690 |
| Credit loss provision to net charge-offs | 53.7234% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2225% | 767 |
| Assets per employee ($millions) | 0.6516% | 7,717 |
| Cash dividends to net income (ytd only)* | 28.7383% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 4,102 |
| Loan loss allowance to noncurrent loans | 56.0896% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.4358% | 2,935 |
| Noncurrent loans to loans | 2.6213% | 3,000 |
| Net loans and leases to total assets | 60.2615% | 4,855 |
| Net loans and leases to deposits | 67.6369% | 5,472 |
| Net loans and leases to core deposits | 68.5071% | 5,891 |
| Total domestic deposits to total assets | 89.0956% | 1,342 |
| Equity capital to assets | 4.6973% | 7,601 |
| Core capital (leverage) ratio | 7.2558% | 7,031 |
| Tier 1 risk-based capital ratio | 16.5543% | 2,540 |
| Total risk-based capital ratio | 17.7772% | 2,503 |
| Memoranda: | ||
| Average total assets | $143,797,750 | 4,040 |
| Average earning assets | $119,343,250 | 4,300 |
| Average equity | $7,111,250 | 6,072 |
| Average total loans | $82,724,250 | 4,330 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 7,321 |
| Cost of funding earning assets | 0.7277% | 7,131 |
| Net interest margin | 3.3208% | 5,940 |
| Noninterest income to average assets | 7.8714% | 87 |
| Noninterest expense to average assets | 11.2150% | 64 |
| Loan and lease loss provision to assets | -0.4037% | 7,807 |
| Net operating income to assets | -0.2928% | 6,465 |
| Return on assets (ROA) | -0.0469% | 6,237 |
| Pretax return on assets | -0.0469% | 6,197 |
| Return on Equity (ROE) | -0.9317% | 6,307 |
| Retained earnings to average equity (ytd only) | -2.3433% | 6,197 |
| Net charge-offs to loans | -0.8852% | 7,760 |
| Credit loss provision to net charge-offs | 81.1429% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6225% | 615 |
| Assets per employee ($millions) | 0.8059% | 7,778 |
| Cash dividends to net income (ytd only)* | -151.5152% | 7,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 3,693 |
| Loan loss allowance to noncurrent loans | 44.4172% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 2.3557% | 3,069 |
| Noncurrent loans to loans | 3.4771% | 2,278 |
| Net loans and leases to total assets | 53.9688% | 5,987 |
| Net loans and leases to deposits | 59.6741% | 6,445 |
| Net loans and leases to core deposits | 61.0849% | 6,633 |
| Total domestic deposits to total assets | 90.4392% | 705 |
| Equity capital to assets | 4.6613% | 7,655 |
| Core capital (leverage) ratio | 8.0876% | 6,143 |
| Tier 1 risk-based capital ratio | 17.9666% | 1,968 |
| Total risk-based capital ratio | 19.2222% | 1,935 |
| Memoranda: | ||
| Average total assets | $140,686,670 | 4,123 |
| Average earning assets | $112,141,330 | 4,504 |
| Average equity | $7,084,000 | 6,112 |
| Average total loans | $79,080,330 | 4,469 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 6,976 |
| Cost of funding earning assets | 0.7614% | 7,202 |
| Net interest margin | 3.6530% | 4,476 |
| Noninterest income to average assets | 8.1568% | 81 |
| Noninterest expense to average assets | 11.1785% | 67 |
| Loan and lease loss provision to assets | -0.8113% | 7,914 |
| Net operating income to assets | 0.4409% | 4,660 |
| Return on assets (ROA) | 0.5026% | 4,523 |
| Pretax return on assets | 0.5026% | 4,952 |
| Return on Equity (ROE) | 9.5899% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.5899% | 1,237 |
| Net charge-offs to loans | -1.5373% | 7,862 |
| Credit loss provision to net charge-offs | 92.6174% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4267% | 739 |
| Assets per employee ($millions) | 0.7325% | 7,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 3,183 |
| Loan loss allowance to noncurrent loans | 38.9755% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.8011% | 2,596 |
| Noncurrent loans to loans | 4.2784% | 1,783 |
| Net loans and leases to total assets | 52.1770% | 6,251 |
| Net loans and leases to deposits | 57.6904% | 6,638 |
| Net loans and leases to core deposits | 59.1704% | 6,804 |
| Total domestic deposits to total assets | 90.4432% | 766 |
| Equity capital to assets | 5.2186% | 7,704 |
| Core capital (leverage) ratio | 8.9619% | 4,632 |
| Tier 1 risk-based capital ratio | 19.6708% | 1,591 |
| Total risk-based capital ratio | 20.9493% | 1,549 |
| Memoranda: | ||
| Average total assets | $136,083,000 | 4,272 |
| Average earning assets | $98,769,000 | 4,911 |
| Average equity | $7,132,500 | 6,143 |
| Average total loans | $77,538,000 | 4,588 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 7,481 |
| Cost of funding earning assets | 0.8333% | 7,508 |
| Net interest margin | 3.5622% | 4,685 |
| Noninterest income to average assets | 12.2034% | 58 |
| Noninterest expense to average assets | 12.4938% | 75 |
| Loan and lease loss provision to assets | 1.1198% | 2,042 |
| Net operating income to assets | 1.7834% | 372 |
| Return on assets (ROA) | 0.5035% | 3,810 |
| Pretax return on assets | 0.3674% | 4,588 |
| Return on Equity (ROE) | 9.9838% | 1,696 |
| Retained earnings to average equity (ytd only) | 9.9838% | 374 |
| Net charge-offs to loans | 1.5123% | 1,659 |
| Credit loss provision to net charge-offs | 117.3913% | 4,619 |
| Earnings coverage of net charge-offs (x) | 2.9008% | 3,633 |
| Efficiency ratio | 81.8680% | 2,620 |
| Assets per employee ($millions) | 0.7641% | 7,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 3,864 |
| Loan loss allowance to noncurrent loans | 31.3445% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 3.3780% | 2,009 |
| Noncurrent loans to loans | 4.7026% | 1,489 |
| Net loans and leases to total assets | 60.1339% | 5,314 |
| Net loans and leases to deposits | 68.0244% | 5,824 |
| Net loans and leases to core deposits | 73.7695% | 6,550 |
| Total domestic deposits to total assets | 88.4004% | 1,771 |
| Equity capital to assets | 5.2647% | 7,762 |
| Core capital (leverage) ratio | 9.1754% | 4,159 |
| Tier 1 risk-based capital ratio | 20.3401% | 1,401 |
| Total risk-based capital ratio | 21.5277% | 1,373 |
| Memoranda: | ||
| Average total assets | $137,436,600 | 4,179 |
| Average earning assets | $117,960,200 | 4,357 |
| Average equity | $6,931,200 | 6,292 |
| Average total loans | $86,691,200 | 4,308 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5113% | 7,498 |
| Cost of funding earning assets | 0.9119% | 7,535 |
| Net interest margin | 3.5994% | 4,485 |
| Noninterest income to average assets | 11.9005% | 60 |
| Noninterest expense to average assets | 12.2156% | 81 |
| Loan and lease loss provision to assets | 0.9328% | 2,065 |
| Net operating income to assets | 2.0101% | 286 |
| Return on assets (ROA) | 0.6726% | 3,366 |
| Pretax return on assets | 0.4500% | 4,664 |
| Return on Equity (ROE) | 13.4797% | 1,015 |
| Retained earnings to average equity (ytd only) | 13.4797% | 223 |
| Net charge-offs to loans | 1.5810% | 1,296 |
| Credit loss provision to net charge-offs | 92.8092% | 5,407 |
| Earnings coverage of net charge-offs (x) | 2.7066% | 3,874 |
| Efficiency ratio | 81.7871% | 2,607 |
| Assets per employee ($millions) | 0.7344% | 8,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 5,907 |
| Loan loss allowance to noncurrent loans | 45.8524% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 2.2162% | 3,074 |
| Noncurrent loans to loans | 2.3316% | 3,226 |
| Net loans and leases to total assets | 66.3959% | 4,331 |
| Net loans and leases to deposits | 75.2009% | 5,180 |
| Net loans and leases to core deposits | 83.1507% | 6,108 |
| Total domestic deposits to total assets | 88.2914% | 1,522 |
| Equity capital to assets | 5.6262% | 7,905 |
| Core capital (leverage) ratio | 8.8858% | 4,833 |
| Tier 1 risk-based capital ratio | 20.3341% | 1,495 |
| Total risk-based capital ratio | 21.5731% | 1,447 |
| Memoranda: | ||
| Average total assets | $138,365,750 | 4,174 |
| Average earning assets | $116,682,000 | 4,417 |
| Average equity | $6,904,000 | 6,351 |
| Average total loans | $87,960,500 | 4,311 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 7,622 |
| Cost of funding earning assets | 0.9892% | 7,564 |
| Net interest margin | 3.5175% | 4,715 |
| Noninterest income to average assets | 12.2822% | 62 |
| Noninterest expense to average assets | 11.9120% | 93 |
| Loan and lease loss provision to assets | 1.1120% | 1,542 |
| Net operating income to assets | 2.4820% | 113 |
| Return on assets (ROA) | 1.0447% | 2,032 |
| Pretax return on assets | 0.7179% | 3,943 |
| Return on Equity (ROE) | 21.7508% | 251 |
| Retained earnings to average equity (ytd only) | 21.7508% | 63 |
| Net charge-offs to loans | 2.2021% | 825 |
| Credit loss provision to net charge-offs | 80.7536% | 5,178 |
| Earnings coverage of net charge-offs (x) | 2.3727% | 3,878 |
| Efficiency ratio | 78.4758% | 3,282 |
| Assets per employee ($millions) | 0.8126% | 8,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 6,011 |
| Loan loss allowance to noncurrent loans | 35.3073% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 2.1688% | 2,976 |
| Noncurrent loans to loans | 2.9211% | 2,463 |
| Net loans and leases to total assets | 50.7858% | 6,799 |
| Net loans and leases to deposits | 55.4292% | 7,197 |
| Net loans and leases to core deposits | 63.3846% | 7,323 |
| Total domestic deposits to total assets | 91.6228% | 288 |
| Equity capital to assets | 4.7700% | 8,054 |
| Core capital (leverage) ratio | 8.3387% | 5,728 |
| Tier 1 risk-based capital ratio | 17.9989% | 2,025 |
| Total risk-based capital ratio | 19.2650% | 1,950 |
| Memoranda: | ||
| Average total assets | $142,629,670 | 4,124 |
| Average earning assets | $117,470,000 | 4,432 |
| Average equity | $6,850,330 | 6,422 |
| Average total loans | $89,188,330 | 4,298 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1637% | 6,432 |
| Cost of funding earning assets | 1.2421% | 7,194 |
| Net interest margin | 3.9217% | 2,969 |
| Noninterest income to average assets | 11.0578% | 63 |
| Noninterest expense to average assets | 10.2039% | 110 |
| Loan and lease loss provision to assets | 0.6963% | 1,817 |
| Net operating income to assets | 3.9257% | 35 |
| Return on assets (ROA) | 2.8740% | 95 |
| Pretax return on assets | 2.2093% | 435 |
| Return on Equity (ROE) | 59.6225% | 19 |
| Retained earnings to average equity (ytd only) | 59.6225% | 13 |
| Net charge-offs to loans | 1.8070% | 800 |
| Credit loss provision to net charge-offs | 56.2500% | 4,583 |
| Earnings coverage of net charge-offs (x) | 3.1968% | 3,251 |
| Efficiency ratio | 72.0558% | 4,188 |
| Assets per employee ($millions) | 0.9462% | 8,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7791% | 7,232 |
| Loan loss allowance to noncurrent loans | 527.5168% | 661 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 4,575 |
| Noncurrent loans to loans | 0.1477% | 7,097 |
| Net loans and leases to total assets | 66.9612% | 4,353 |
| Net loans and leases to deposits | 76.1730% | 5,198 |
| Net loans and leases to core deposits | 94.5770% | 5,102 |
| Total domestic deposits to total assets | 87.9068% | 1,784 |
| Equity capital to assets | 4.9151% | 8,123 |
| Core capital (leverage) ratio | 8.0835% | 6,322 |
| Tier 1 risk-based capital ratio | 14.2603% | 3,450 |
| Total risk-based capital ratio | 15.3270% | 3,468 |
| Memoranda: | ||
| Average total assets | $139,594,000 | 4,197 |
| Average earning assets | $110,462,500 | 4,627 |
| Average equity | $6,729,000 | 6,506 |
| Average total loans | $95,629,500 | 4,161 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1153% | 4,960 |
| Cost of funding earning assets | 1.5143% | 7,588 |
| Net interest margin | 4.6010% | 1,174 |
| Noninterest income to average assets | 5.9303% | 108 |
| Noninterest expense to average assets | 9.3909% | 159 |
| Loan and lease loss provision to assets | 0.9295% | 1,594 |
| Net operating income to assets | 0.1056% | 6,099 |
| Return on assets (ROA) | 0.1056% | 5,939 |
| Pretax return on assets | -0.3764% | 6,527 |
| Return on Equity (ROE) | 1.9828% | 5,627 |
| Retained earnings to average equity (ytd only) | 1.9828% | 3,997 |
| Net charge-offs to loans | 1.1061% | 1,100 |
| Credit loss provision to net charge-offs | 138.3091% | 3,843 |
| Earnings coverage of net charge-offs (x) | 0.8230% | 5,739 |
| Efficiency ratio | 94.4380% | 1,248 |
| Assets per employee ($millions) | 0.8646% | 8,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 5,414 |
| Loan loss allowance to noncurrent loans | 58.0607% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.0934% | 2,354 |
| Noncurrent loans to loans | 1.8602% | 2,974 |
| Net loans and leases to total assets | 68.9269% | 4,269 |
| Net loans and leases to deposits | 85.9307% | 4,129 |
| Net loans and leases to core deposits | 115.7867% | 3,146 |
| Total domestic deposits to total assets | 80.2122% | 4,942 |
| Equity capital to assets | 4.7112% | 8,213 |
| Core capital (leverage) ratio | 7.8001% | 6,799 |
| Tier 1 risk-based capital ratio | 12.5880% | 4,384 |
| Total risk-based capital ratio | 13.8534% | 4,276 |
| Memoranda: | ||
| Average total assets | $112,641,400 | 4,702 |
| Average earning assets | $98,261,000 | 4,857 |
| Average equity | $6,001,600 | 6,805 |
| Average total loans | $68,437,800 | 4,928 |