| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8166% | 1,127 |
| Cost of funding earning assets | 1.1093% | 700 |
| Net interest margin | 3.7073% | 2,134 |
| Noninterest income to average assets | 0.2725% | 3,842 |
| Noninterest expense to average assets | 4.3059% | 303 |
| Loan and lease loss provision to assets | 0.4480% | 857 |
| Net operating income to assets | -0.9240% | 4,958 |
| Return on assets (ROA) | -0.9240% | 4,954 |
| Pretax return on assets | -0.9948% | 4,946 |
| Return on Equity (ROE) | -9.0397% | 4,980 |
| Retained earnings to average equity (ytd only) | -9.0397% | 4,900 |
| Net charge-offs to loans | 1.3943% | 93 |
| Credit loss provision to net charge-offs | 36.0444% | 2,685 |
| Earnings coverage of net charge-offs (x) | -0.4400% | 2,948 |
| Efficiency ratio | 114.5463% | 103 |
| Assets per employee ($millions) | 9.6630% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4268% | 1,497 |
| Loan loss allowance to noncurrent loans | 134.0054% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 1,253 |
| Noncurrent loans to loans | 1.0647% | 1,458 |
| Net loans and leases to total assets | 89.1017% | 45 |
| Net loans and leases to deposits | 100.1076% | 545 |
| Net loans and leases to core deposits | 120.3806% | 414 |
| Total domestic deposits to total assets | 89.0060% | 739 |
| Equity capital to assets | 9.6539% | 3,520 |
| Core capital (leverage) ratio | 9.4403% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $449,148,333 | 1,661 |
| Average earning assets | $422,415,333 | 1,639 |
| Average equity | $45,908,667 | 1,795 |
| Average total loans | $400,336,333 | 1,322 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9463% | 1,071 |
| Cost of funding earning assets | 1.2215% | 713 |
| Net interest margin | 3.7248% | 2,240 |
| Noninterest income to average assets | 0.2399% | 4,120 |
| Noninterest expense to average assets | 2.3748% | 3,593 |
| Loan and lease loss provision to assets | 0.8130% | 301 |
| Net operating income to assets | 0.2988% | 4,349 |
| Return on assets (ROA) | 0.2988% | 4,370 |
| Pretax return on assets | 0.5251% | 4,081 |
| Return on Equity (ROE) | 2.8403% | 4,253 |
| Retained earnings to average equity (ytd only) | 2.8403% | 3,143 |
| Net charge-offs to loans | 0.4666% | 314 |
| Credit loss provision to net charge-offs | 196.9298% | 1,426 |
| Earnings coverage of net charge-offs (x) | 3.2412% | 2,228 |
| Efficiency ratio | 63.9600% | 3,237 |
| Assets per employee ($millions) | 9.2466% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0902% | 440 |
| Loan loss allowance to noncurrent loans | 98.2643% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 2.0773% | 388 |
| Noncurrent loans to loans | 2.1272% | 635 |
| Net loans and leases to total assets | 86.6361% | 110 |
| Net loans and leases to deposits | 97.6271% | 768 |
| Net loans and leases to core deposits | 118.3403% | 520 |
| Total domestic deposits to total assets | 88.7418% | 791 |
| Equity capital to assets | 10.4788% | 3,344 |
| Core capital (leverage) ratio | 10.6044% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7547% | 2,826 |
| Memoranda: |
| Average total assets | $441,810,500 | 1,644 |
| Average earning assets | $411,943,000 | 1,630 |
| Average equity | $46,474,500 | 1,778 |
| Average total loans | $390,876,000 | 1,317 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1811% | 1,036 |
| Cost of funding earning assets | 1.4132% | 537 |
| Net interest margin | 3.7678% | 2,617 |
| Noninterest income to average assets | 0.2641% | 4,098 |
| Noninterest expense to average assets | 1.9994% | 4,532 |
| Loan and lease loss provision to assets | 0.4543% | 299 |
| Net operating income to assets | 1.0821% | 2,514 |
| Return on assets (ROA) | 1.0821% | 2,610 |
| Pretax return on assets | 1.3445% | 2,349 |
| Return on Equity (ROE) | 10.5335% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.5335% | 395 |
| Net charge-offs to loans | 0.0466% | 2,457 |
| Credit loss provision to net charge-offs | 1,097.1751% | 318 |
| Earnings coverage of net charge-offs (x) | 43.4463% | 1,238 |
| Efficiency ratio | 52.6420% | 4,555 |
| Assets per employee ($millions) | 9.1622% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9966% | 462 |
| Loan loss allowance to noncurrent loans | 132.7465% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 816 |
| Noncurrent loans to loans | 1.5040% | 958 |
| Net loans and leases to total assets | 86.6910% | 133 |
| Net loans and leases to deposits | 98.2834% | 735 |
| Net loans and leases to core deposits | 143.2781% | 158 |
| Total domestic deposits to total assets | 88.2051% | 1,032 |
| Equity capital to assets | 10.5597% | 3,390 |
| Core capital (leverage) ratio | 10.6086% | 2,851 |
| Tier 1 risk-based capital ratio | 11.4181% | 4,671 |
| Total risk-based capital ratio | 12.6764% | 4,543 |
| Memoranda: |
| Average total assets | $427,517,800 | 1,638 |
| Average earning assets | $400,998,200 | 1,620 |
| Average equity | $43,917,000 | 1,795 |
| Average total loans | $380,172,400 | 1,324 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2154% | 1,011 |
| Cost of funding earning assets | 1.4263% | 523 |
| Net interest margin | 3.7892% | 2,630 |
| Noninterest income to average assets | 0.2604% | 4,184 |
| Noninterest expense to average assets | 2.0032% | 4,544 |
| Loan and lease loss provision to assets | 0.3917% | 332 |
| Net operating income to assets | 1.1142% | 2,518 |
| Return on assets (ROA) | 1.1142% | 2,610 |
| Pretax return on assets | 1.4173% | 2,244 |
| Return on Equity (ROE) | 10.9255% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.9255% | 544 |
| Net charge-offs to loans | 0.0698% | 1,827 |
| Credit loss provision to net charge-offs | 629.7980% | 519 |
| Earnings coverage of net charge-offs (x) | 29.0862% | 1,656 |
| Efficiency ratio | 52.5461% | 4,555 |
| Assets per employee ($millions) | 8.8961% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8254% | 649 |
| Loan loss allowance to noncurrent loans | 167.8810% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 1,399 |
| Noncurrent loans to loans | 1.0873% | 1,460 |
| Net loans and leases to total assets | 86.9961% | 135 |
| Net loans and leases to deposits | 97.9656% | 821 |
| Net loans and leases to core deposits | 143.3742% | 154 |
| Total domestic deposits to total assets | 88.8027% | 687 |
| Equity capital to assets | 10.3852% | 3,650 |
| Core capital (leverage) ratio | 10.4107% | 3,185 |
| Tier 1 risk-based capital ratio | 11.6065% | 4,622 |
| Total risk-based capital ratio | 12.8636% | 4,510 |
| Memoranda: |
| Average total assets | $424,451,250 | 1,660 |
| Average earning assets | $397,861,500 | 1,643 |
| Average equity | $43,286,250 | 1,818 |
| Average total loans | $377,960,500 | 1,338 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1709% | 1,041 |
| Cost of funding earning assets | 1.3930% | 551 |
| Net interest margin | 3.7780% | 2,656 |
| Noninterest income to average assets | 0.2653% | 4,160 |
| Noninterest expense to average assets | 2.0284% | 4,556 |
| Loan and lease loss provision to assets | 0.2839% | 509 |
| Net operating income to assets | 1.1744% | 2,242 |
| Return on assets (ROA) | 1.1744% | 2,320 |
| Pretax return on assets | 1.5020% | 1,854 |
| Return on Equity (ROE) | 11.5894% | 1,749 |
| Retained earnings to average equity (ytd only) | 11.5894% | 464 |
| Net charge-offs to loans | 0.0053% | 2,965 |
| Credit loss provision to net charge-offs | 5,970.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 375.6000% | 210 |
| Efficiency ratio | 53.1788% | 4,544 |
| Assets per employee ($millions) | 8.2998% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7209% | 783 |
| Loan loss allowance to noncurrent loans | 197.8085% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 1,805 |
| Noncurrent loans to loans | 0.8700% | 1,862 |
| Net loans and leases to total assets | 87.1864% | 146 |
| Net loans and leases to deposits | 98.0499% | 837 |
| Net loans and leases to core deposits | 122.5455% | 470 |
| Total domestic deposits to total assets | 88.9205% | 692 |
| Equity capital to assets | 10.2125% | 3,785 |
| Core capital (leverage) ratio | 10.3503% | 3,241 |
| Tier 1 risk-based capital ratio | 11.2088% | 4,824 |
| Total risk-based capital ratio | 12.4645% | 4,718 |
| Memoranda: |
| Average total assets | $420,632,670 | 1,677 |
| Average earning assets | $395,131,000 | 1,654 |
| Average equity | $42,625,000 | 1,842 |
| Average total loans | $375,189,670 | 1,347 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1602% | 981 |
| Cost of funding earning assets | 1.3760% | 500 |
| Net interest margin | 3.7842% | 2,588 |
| Noninterest income to average assets | 0.3334% | 3,633 |
| Noninterest expense to average assets | 2.2016% | 4,254 |
| Loan and lease loss provision to assets | 0.1493% | 1,131 |
| Net operating income to assets | 1.1976% | 2,065 |
| Return on assets (ROA) | 1.1976% | 2,114 |
| Pretax return on assets | 1.5358% | 1,661 |
| Return on Equity (ROE) | 11.8665% | 1,586 |
| Retained earnings to average equity (ytd only) | 11.8665% | 634 |
| Net charge-offs to loans | -0.0011% | 3,810 |
| Credit loss provision to net charge-offs | -15,500.0000% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6435% | 4,257 |
| Assets per employee ($millions) | 8.1707% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6345% | 1,003 |
| Loan loss allowance to noncurrent loans | 181.4913% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7986% | 1,771 |
| Noncurrent loans to loans | 0.9006% | 1,855 |
| Net loans and leases to total assets | 87.2237% | 134 |
| Net loans and leases to deposits | 98.0044% | 786 |
| Net loans and leases to core deposits | 122.8697% | 451 |
| Total domestic deposits to total assets | 88.9998% | 858 |
| Equity capital to assets | 10.0392% | 3,791 |
| Core capital (leverage) ratio | 10.2108% | 3,372 |
| Tier 1 risk-based capital ratio | 10.9549% | 4,998 |
| Total risk-based capital ratio | 12.2091% | 4,900 |
| Memoranda: |
| Average total assets | $415,154,500 | 1,709 |
| Average earning assets | $389,829,500 | 1,682 |
| Average equity | $41,899,500 | 1,859 |
| Average total loans | $371,346,500 | 1,368 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0217% | 1,005 |
| Cost of funding earning assets | 1.0658% | 562 |
| Net interest margin | 3.9559% | 2,140 |
| Noninterest income to average assets | 0.3196% | 3,973 |
| Noninterest expense to average assets | 1.9034% | 4,889 |
| Loan and lease loss provision to assets | 0.2747% | 611 |
| Net operating income to assets | 1.4458% | 1,292 |
| Return on assets (ROA) | 1.4458% | 1,276 |
| Pretax return on assets | 1.8510% | 808 |
| Return on Equity (ROE) | 14.6124% | 920 |
| Retained earnings to average equity (ytd only) | 14.6124% | 135 |
| Net charge-offs to loans | 0.0811% | 1,980 |
| Credit loss provision to net charge-offs | 379.5699% | 854 |
| Earnings coverage of net charge-offs (x) | 29.3728% | 1,625 |
| Efficiency ratio | 47.2414% | 5,077 |
| Assets per employee ($millions) | 7.9497% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6401% | 942 |
| Loan loss allowance to noncurrent loans | 237.4209% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,174 |
| Noncurrent loans to loans | 0.6908% | 2,262 |
| Net loans and leases to total assets | 88.7792% | 87 |
| Net loans and leases to deposits | 101.0415% | 667 |
| Net loans and leases to core deposits | 120.5699% | 526 |
| Total domestic deposits to total assets | 87.8641% | 1,363 |
| Equity capital to assets | 10.1484% | 3,527 |
| Core capital (leverage) ratio | 10.4110% | 3,129 |
| Tier 1 risk-based capital ratio | 11.0743% | 4,938 |
| Total risk-based capital ratio | 12.3294% | 4,831 |
| Memoranda: |
| Average total assets | $385,518,600 | 1,774 |
| Average earning assets | $361,507,600 | 1,764 |
| Average equity | $38,145,600 | 1,931 |
| Average total loans | $344,052,000 | 1,423 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9652% | 1,006 |
| Cost of funding earning assets | 1.0409% | 500 |
| Net interest margin | 3.9243% | 2,218 |
| Noninterest income to average assets | 0.3525% | 3,776 |
| Noninterest expense to average assets | 1.8801% | 4,938 |
| Loan and lease loss provision to assets | 0.2842% | 530 |
| Net operating income to assets | 1.4586% | 1,302 |
| Return on assets (ROA) | 1.4586% | 1,302 |
| Pretax return on assets | 1.8629% | 874 |
| Return on Equity (ROE) | 14.8427% | 911 |
| Retained earnings to average equity (ytd only) | 14.8427% | 185 |
| Net charge-offs to loans | 0.1110% | 1,382 |
| Credit loss provision to net charge-offs | 287.5887% | 1,057 |
| Earnings coverage of net charge-offs (x) | 21.7305% | 1,907 |
| Efficiency ratio | 46.6852% | 5,118 |
| Assets per employee ($millions) | 8.1568% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6319% | 1,004 |
| Loan loss allowance to noncurrent loans | 275.1675% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 2,603 |
| Noncurrent loans to loans | 0.5931% | 2,601 |
| Net loans and leases to total assets | 88.5388% | 125 |
| Net loans and leases to deposits | 100.4384% | 744 |
| Net loans and leases to core deposits | 118.3616% | 633 |
| Total domestic deposits to total assets | 88.1523% | 1,175 |
| Equity capital to assets | 10.1037% | 3,538 |
| Core capital (leverage) ratio | 10.2128% | 3,392 |
| Tier 1 risk-based capital ratio | 11.0680% | 5,003 |
| Total risk-based capital ratio | 12.3226% | 4,901 |
| Memoranda: |
| Average total assets | $380,539,500 | 1,803 |
| Average earning assets | $356,338,250 | 1,786 |
| Average equity | $37,395,750 | 1,970 |
| Average total loans | $338,579,000 | 1,448 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8920% | 1,041 |
| Cost of funding earning assets | 0.9853% | 496 |
| Net interest margin | 3.9067% | 2,182 |
| Noninterest income to average assets | 0.3439% | 3,877 |
| Noninterest expense to average assets | 1.8680% | 5,005 |
| Loan and lease loss provision to assets | 0.2712% | 556 |
| Net operating income to assets | 1.4525% | 1,271 |
| Return on assets (ROA) | 1.4525% | 1,270 |
| Pretax return on assets | 1.8574% | 868 |
| Return on Equity (ROE) | 14.9258% | 867 |
| Retained earnings to average equity (ytd only) | 14.9258% | 202 |
| Net charge-offs to loans | 0.0563% | 1,801 |
| Credit loss provision to net charge-offs | 543.6170% | 668 |
| Earnings coverage of net charge-offs (x) | 42.6702% | 1,248 |
| Efficiency ratio | 46.7401% | 5,178 |
| Assets per employee ($millions) | 8.3050% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6195% | 1,063 |
| Loan loss allowance to noncurrent loans | 246.4598% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 2,476 |
| Noncurrent loans to loans | 0.6571% | 2,467 |
| Net loans and leases to total assets | 87.7576% | 150 |
| Net loans and leases to deposits | 98.3469% | 944 |
| Net loans and leases to core deposits | 113.1807% | 827 |
| Total domestic deposits to total assets | 89.2328% | 840 |
| Equity capital to assets | 9.7701% | 3,853 |
| Core capital (leverage) ratio | 10.0998% | 3,480 |
| Tier 1 risk-based capital ratio | 10.7621% | 5,165 |
| Total risk-based capital ratio | 12.0165% | 5,059 |
| Memoranda: |
| Average total assets | $376,876,670 | 1,826 |
| Average earning assets | $352,368,000 | 1,812 |
| Average equity | $36,674,670 | 2,002 |
| Average total loans | $333,970,330 | 1,467 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7973% | 1,086 |
| Cost of funding earning assets | 0.9136% | 556 |
| Net interest margin | 3.8837% | 2,110 |
| Noninterest income to average assets | 0.3955% | 3,502 |
| Noninterest expense to average assets | 2.0943% | 4,668 |
| Loan and lease loss provision to assets | 0.1783% | 970 |
| Net operating income to assets | 1.3659% | 1,438 |
| Return on assets (ROA) | 1.3659% | 1,451 |
| Pretax return on assets | 1.7474% | 1,007 |
| Return on Equity (ROE) | 14.0663% | 999 |
| Retained earnings to average equity (ytd only) | 14.0663% | 402 |
| Net charge-offs to loans | 0.2496% | 615 |
| Credit loss provision to net charge-offs | 80.8824% | 1,742 |
| Earnings coverage of net charge-offs (x) | 8.7353% | 2,014 |
| Efficiency ratio | 52.0968% | 4,957 |
| Assets per employee ($millions) | 8.4046% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5669% | 1,234 |
| Loan loss allowance to noncurrent loans | 527.2635% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 3,828 |
| Noncurrent loans to loans | 0.2972% | 3,703 |
| Net loans and leases to total assets | 86.0899% | 250 |
| Net loans and leases to deposits | 96.9423% | 941 |
| Net loans and leases to core deposits | 106.0200% | 1,237 |
| Total domestic deposits to total assets | 88.8054% | 1,204 |
| Equity capital to assets | 9.6730% | 3,916 |
| Core capital (leverage) ratio | 9.9719% | 3,564 |
| Tier 1 risk-based capital ratio | 10.7245% | 5,274 |
| Total risk-based capital ratio | 11.9778% | 5,166 |
| Memoranda: |
| Average total assets | $370,148,500 | 1,855 |
| Average earning assets | $345,444,500 | 1,850 |
| Average equity | $35,944,000 | 2,045 |
| Average total loans | $326,862,500 | 1,499 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8446% | 901 |
| Cost of funding earning assets | 0.7814% | 691 |
| Net interest margin | 4.0631% | 1,554 |
| Noninterest income to average assets | 0.3453% | 3,996 |
| Noninterest expense to average assets | 1.8685% | 5,162 |
| Loan and lease loss provision to assets | 0.3007% | 572 |
| Net operating income to assets | 1.2275% | 1,437 |
| Return on assets (ROA) | 1.2275% | 1,452 |
| Pretax return on assets | 1.9977% | 494 |
| Return on Equity (ROE) | 12.5081% | 1,078 |
| Retained earnings to average equity (ytd only) | 12.5081% | 157 |
| Net charge-offs to loans | 0.0285% | 3,243 |
| Credit loss provision to net charge-offs | 1,182.5581% | 314 |
| Earnings coverage of net charge-offs (x) | 90.3953% | 695 |
| Efficiency ratio | 44.8418% | 5,427 |
| Assets per employee ($millions) | 8.0464% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6167% | 1,101 |
| Loan loss allowance to noncurrent loans | 277.5651% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 2,825 |
| Noncurrent loans to loans | 0.5825% | 2,758 |
| Net loans and leases to total assets | 87.7469% | 150 |
| Net loans and leases to deposits | 99.4644% | 774 |
| Net loans and leases to core deposits | 115.2248% | 748 |
| Total domestic deposits to total assets | 88.2195% | 1,391 |
| Equity capital to assets | 9.7501% | 3,967 |
| Core capital (leverage) ratio | 9.9863% | 3,475 |
| Tier 1 risk-based capital ratio | 10.6841% | 5,303 |
| Total risk-based capital ratio | 11.9383% | 5,195 |
| Memoranda: |
| Average total assets | $338,244,400 | 1,969 |
| Average earning assets | $318,130,600 | 1,943 |
| Average equity | $33,194,400 | 2,163 |
| Average total loans | $301,785,400 | 1,559 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8151% | 901 |
| Cost of funding earning assets | 0.7472% | 767 |
| Net interest margin | 4.0679% | 1,486 |
| Noninterest income to average assets | 0.3559% | 3,988 |
| Noninterest expense to average assets | 1.8502% | 5,204 |
| Loan and lease loss provision to assets | 0.3158% | 489 |
| Net operating income to assets | 1.3470% | 1,205 |
| Return on assets (ROA) | 1.3470% | 1,229 |
| Pretax return on assets | 2.0191% | 528 |
| Return on Equity (ROE) | 13.7016% | 893 |
| Retained earnings to average equity (ytd only) | 13.7016% | 171 |
| Net charge-offs to loans | 0.0319% | 2,792 |
| Credit loss provision to net charge-offs | 1,108.4507% | 331 |
| Earnings coverage of net charge-offs (x) | 81.9614% | 796 |
| Efficiency ratio | 44.2090% | 5,477 |
| Assets per employee ($millions) | 7.7511% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5957% | 1,253 |
| Loan loss allowance to noncurrent loans | 261.2735% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5493% | 2,875 |
| Noncurrent loans to loans | 0.6108% | 2,885 |
| Net loans and leases to total assets | 88.5051% | 132 |
| Net loans and leases to deposits | 100.6357% | 704 |
| Net loans and leases to core deposits | 120.0669% | 585 |
| Total domestic deposits to total assets | 87.9460% | 1,392 |
| Equity capital to assets | 9.9083% | 4,029 |
| Core capital (leverage) ratio | 10.0015% | 3,562 |
| Tier 1 risk-based capital ratio | 10.9115% | 5,291 |
| Total risk-based capital ratio | 12.1660% | 5,180 |
| Memoranda: |
| Average total assets | $332,283,250 | 2,006 |
| Average earning assets | $312,783,750 | 1,986 |
| Average equity | $32,667,000 | 2,203 |
| Average total loans | $296,496,000 | 1,593 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7586% | 948 |
| Cost of funding earning assets | 0.7278% | 772 |
| Net interest margin | 4.0309% | 1,514 |
| Noninterest income to average assets | 0.3942% | 3,727 |
| Noninterest expense to average assets | 1.7975% | 5,313 |
| Loan and lease loss provision to assets | 0.3329% | 445 |
| Net operating income to assets | 1.3428% | 1,190 |
| Return on assets (ROA) | 1.3428% | 1,214 |
| Pretax return on assets | 2.0399% | 499 |
| Return on Equity (ROE) | 13.6971% | 870 |
| Retained earnings to average equity (ytd only) | 13.6971% | 204 |
| Net charge-offs to loans | 0.0454% | 2,304 |
| Credit loss provision to net charge-offs | 824.2424% | 454 |
| Earnings coverage of net charge-offs (x) | 58.7424% | 963 |
| Efficiency ratio | 43.1024% | 5,547 |
| Assets per employee ($millions) | 8.1445% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5717% | 1,326 |
| Loan loss allowance to noncurrent loans | 281.1321% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,105 |
| Noncurrent loans to loans | 0.5591% | 3,059 |
| Net loans and leases to total assets | 87.2923% | 183 |
| Net loans and leases to deposits | 101.3578% | 650 |
| Net loans and leases to core deposits | 149.4811% | 124 |
| Total domestic deposits to total assets | 86.1229% | 2,326 |
| Equity capital to assets | 9.7510% | 4,176 |
| Core capital (leverage) ratio | 10.1113% | 3,389 |
| Tier 1 risk-based capital ratio | 10.6466% | 5,401 |
| Total risk-based capital ratio | 11.9001% | 5,329 |
| Memoranda: |
| Average total assets | $326,778,330 | 2,041 |
| Average earning assets | $306,137,330 | 2,022 |
| Average equity | $32,036,000 | 2,228 |
| Average total loans | $290,758,000 | 1,617 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7280% | 889 |
| Cost of funding earning assets | 0.7045% | 826 |
| Net interest margin | 4.0236% | 1,406 |
| Noninterest income to average assets | 0.4475% | 3,330 |
| Noninterest expense to average assets | 1.9904% | 5,071 |
| Loan and lease loss provision to assets | 0.2971% | 460 |
| Net operating income to assets | 1.2597% | 1,349 |
| Return on assets (ROA) | 1.2597% | 1,383 |
| Pretax return on assets | 1.9327% | 583 |
| Return on Equity (ROE) | 12.8121% | 1,039 |
| Retained earnings to average equity (ytd only) | 12.8121% | 392 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1636% | 5,496 |
| Assets per employee ($millions) | 8.8446% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5684% | 1,459 |
| Loan loss allowance to noncurrent loans | 451.3460% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,963 |
| Noncurrent loans to loans | 0.3475% | 3,853 |
| Net loans and leases to total assets | 86.8202% | 170 |
| Net loans and leases to deposits | 98.9228% | 689 |
| Net loans and leases to core deposits | 121.5008% | 425 |
| Total domestic deposits to total assets | 87.7657% | 1,851 |
| Equity capital to assets | 9.7717% | 4,001 |
| Core capital (leverage) ratio | 10.1194% | 3,352 |
| Tier 1 risk-based capital ratio | 10.7397% | 5,444 |
| Total risk-based capital ratio | 11.9931% | 5,359 |
| Memoranda: |
| Average total assets | $319,133,500 | 2,097 |
| Average earning assets | $299,236,500 | 2,074 |
| Average equity | $31,376,500 | 2,269 |
| Average total loans | $284,453,500 | 1,649 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8553% | 797 |
| Cost of funding earning assets | 0.7099% | 780 |
| Net interest margin | 4.1454% | 1,254 |
| Noninterest income to average assets | 0.4234% | 3,722 |
| Noninterest expense to average assets | 1.9189% | 5,337 |
| Loan and lease loss provision to assets | 0.4516% | 315 |
| Net operating income to assets | 1.3151% | 1,180 |
| Return on assets (ROA) | 1.3151% | 1,239 |
| Pretax return on assets | 1.9666% | 539 |
| Return on Equity (ROE) | 13.1080% | 970 |
| Retained earnings to average equity (ytd only) | 13.1080% | 162 |
| Net charge-offs to loans | 0.1437% | 1,823 |
| Credit loss provision to net charge-offs | 353.9510% | 867 |
| Earnings coverage of net charge-offs (x) | 18.9537% | 1,937 |
| Efficiency ratio | 44.2450% | 5,688 |
| Assets per employee ($millions) | 8.4058% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5307% | 1,563 |
| Loan loss allowance to noncurrent loans | 418.9453% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 3,963 |
| Noncurrent loans to loans | 0.3654% | 3,814 |
| Net loans and leases to total assets | 88.7318% | 107 |
| Net loans and leases to deposits | 102.0327% | 532 |
| Net loans and leases to core deposits | 124.3394% | 376 |
| Total domestic deposits to total assets | 86.9640% | 2,166 |
| Equity capital to assets | 9.8950% | 3,824 |
| Core capital (leverage) ratio | 10.1198% | 3,342 |
| Tier 1 risk-based capital ratio | 10.7979% | 5,434 |
| Total risk-based capital ratio | 12.0512% | 5,338 |
| Memoranda: |
| Average total assets | $287,660,800 | 2,235 |
| Average earning assets | $271,579,800 | 2,203 |
| Average equity | $28,860,200 | 2,463 |
| Average total loans | $255,480,600 | 1,764 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8339% | 835 |
| Cost of funding earning assets | 0.7131% | 765 |
| Net interest margin | 4.1208% | 1,338 |
| Noninterest income to average assets | 0.4419% | 3,616 |
| Noninterest expense to average assets | 1.9402% | 5,309 |
| Loan and lease loss provision to assets | 0.4390% | 306 |
| Net operating income to assets | 1.2537% | 1,447 |
| Return on assets (ROA) | 1.2537% | 1,547 |
| Pretax return on assets | 1.9558% | 631 |
| Return on Equity (ROE) | 12.4491% | 1,186 |
| Retained earnings to average equity (ytd only) | 12.4491% | 255 |
| Net charge-offs to loans | 0.1070% | 1,878 |
| Credit loss provision to net charge-offs | 464.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 25.3100% | 1,642 |
| Efficiency ratio | 44.7561% | 5,722 |
| Assets per employee ($millions) | 8.0736% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5277% | 1,663 |
| Loan loss allowance to noncurrent loans | 348.6348% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 3,853 |
| Noncurrent loans to loans | 0.4382% | 3,714 |
| Net loans and leases to total assets | 88.1663% | 127 |
| Net loans and leases to deposits | 101.0156% | 639 |
| Net loans and leases to core deposits | 123.5751% | 424 |
| Total domestic deposits to total assets | 87.2798% | 1,766 |
| Equity capital to assets | 9.9889% | 4,135 |
| Core capital (leverage) ratio | 9.9537% | 3,627 |
| Tier 1 risk-based capital ratio | 10.9518% | 5,392 |
| Total risk-based capital ratio | 12.2051% | 5,307 |
| Memoranda: |
| Average total assets | $281,822,000 | 2,280 |
| Average earning assets | $266,250,000 | 2,246 |
| Average equity | $28,381,500 | 2,508 |
| Average total loans | $249,285,750 | 1,798 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7993% | 887 |
| Cost of funding earning assets | 0.7047% | 783 |
| Net interest margin | 4.0946% | 1,380 |
| Noninterest income to average assets | 0.4439% | 3,568 |
| Noninterest expense to average assets | 1.9740% | 5,327 |
| Loan and lease loss provision to assets | 0.4729% | 287 |
| Net operating income to assets | 1.2238% | 1,521 |
| Return on assets (ROA) | 1.2238% | 1,616 |
| Pretax return on assets | 1.8553% | 773 |
| Return on Equity (ROE) | 12.1166% | 1,273 |
| Retained earnings to average equity (ytd only) | 12.1166% | 309 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8845% | 5,756 |
| Assets per employee ($millions) | 8.1886% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5409% | 1,714 |
| Loan loss allowance to noncurrent loans | 307.8281% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 3,740 |
| Noncurrent loans to loans | 0.5006% | 3,579 |
| Net loans and leases to total assets | 86.9396% | 195 |
| Net loans and leases to deposits | 101.7836% | 577 |
| Net loans and leases to core deposits | 127.3288% | 349 |
| Total domestic deposits to total assets | 85.4161% | 2,681 |
| Equity capital to assets | 9.8029% | 4,448 |
| Core capital (leverage) ratio | 10.2217% | 3,307 |
| Tier 1 risk-based capital ratio | 10.6731% | 5,594 |
| Total risk-based capital ratio | 11.9265% | 5,509 |
| Memoranda: |
| Average total assets | $276,188,670 | 2,327 |
| Average earning assets | $260,245,670 | 2,297 |
| Average equity | $27,895,670 | 2,542 |
| Average total loans | $243,228,330 | 1,838 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8402% | 779 |
| Cost of funding earning assets | 0.7142% | 753 |
| Net interest margin | 4.1260% | 1,276 |
| Noninterest income to average assets | 0.5980% | 2,546 |
| Noninterest expense to average assets | 2.3126% | 4,626 |
| Loan and lease loss provision to assets | 0.4002% | 342 |
| Net operating income to assets | 1.1915% | 1,587 |
| Return on assets (ROA) | 1.1915% | 1,683 |
| Pretax return on assets | 1.7730% | 893 |
| Return on Equity (ROE) | 11.6082% | 1,424 |
| Retained earnings to average equity (ytd only) | 11.6082% | 560 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5536% | 5,540 |
| Assets per employee ($millions) | 7.6969% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5085% | 1,948 |
| Loan loss allowance to noncurrent loans | 277.1407% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 3,708 |
| Noncurrent loans to loans | 0.5443% | 3,556 |
| Net loans and leases to total assets | 85.4183% | 264 |
| Net loans and leases to deposits | 99.7694% | 637 |
| Net loans and leases to core deposits | 122.7202% | 395 |
| Total domestic deposits to total assets | 85.6157% | 2,856 |
| Equity capital to assets | 10.0550% | 4,006 |
| Core capital (leverage) ratio | 10.4004% | 3,071 |
| Tier 1 risk-based capital ratio | 11.1324% | 5,433 |
| Total risk-based capital ratio | 12.3852% | 5,340 |
| Memoranda: |
| Average total assets | $266,887,500 | 2,416 |
| Average earning assets | $251,479,000 | 2,375 |
| Average equity | $27,394,500 | 2,569 |
| Average total loans | $234,692,000 | 1,883 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8602% | 836 |
| Cost of funding earning assets | 0.7055% | 794 |
| Net interest margin | 4.1547% | 1,270 |
| Noninterest income to average assets | 0.3872% | 4,137 |
| Noninterest expense to average assets | 2.0337% | 5,390 |
| Loan and lease loss provision to assets | 0.2725% | 673 |
| Net operating income to assets | 1.3760% | 1,085 |
| Return on assets (ROA) | 1.3760% | 1,128 |
| Pretax return on assets | 2.0057% | 531 |
| Return on Equity (ROE) | 14.3525% | 792 |
| Retained earnings to average equity (ytd only) | 14.3525% | 152 |
| Net charge-offs to loans | 0.1762% | 1,627 |
| Credit loss provision to net charge-offs | 176.9022% | 1,534 |
| Earnings coverage of net charge-offs (x) | 14.7880% | 2,264 |
| Efficiency ratio | 47.1650% | 5,873 |
| Assets per employee ($millions) | 7.3339% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4659% | 2,153 |
| Loan loss allowance to noncurrent loans | 259.5054% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5041% | 3,623 |
| Noncurrent loans to loans | 0.5649% | 3,481 |
| Net loans and leases to total assets | 87.9348% | 128 |
| Net loans and leases to deposits | 103.2661% | 480 |
| Net loans and leases to core deposits | 128.2190% | 298 |
| Total domestic deposits to total assets | 85.1536% | 3,016 |
| Equity capital to assets | 10.4906% | 3,376 |
| Core capital (leverage) ratio | 10.5816% | 2,842 |
| Tier 1 risk-based capital ratio | 11.4727% | 5,272 |
| Total risk-based capital ratio | 12.7251% | 5,176 |
| Memoranda: |
| Average total assets | $238,873,800 | 2,588 |
| Average earning assets | $225,647,200 | 2,543 |
| Average equity | $22,902,000 | 2,886 |
| Average total loans | $208,821,000 | 2,001 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8683% | 822 |
| Cost of funding earning assets | 0.7086% | 805 |
| Net interest margin | 4.1598% | 1,255 |
| Noninterest income to average assets | 0.4089% | 4,017 |
| Noninterest expense to average assets | 2.0220% | 5,438 |
| Loan and lease loss provision to assets | 0.2673% | 610 |
| Net operating income to assets | 1.4060% | 1,097 |
| Return on assets (ROA) | 1.4060% | 1,140 |
| Pretax return on assets | 2.0464% | 546 |
| Return on Equity (ROE) | 15.0530% | 719 |
| Retained earnings to average equity (ytd only) | 15.0530% | 163 |
| Net charge-offs to loans | -0.0026% | 4,733 |
| Credit loss provision to net charge-offs | -11,750.0000% | 5,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6352% | 5,940 |
| Assets per employee ($millions) | 7.4705% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6253% | 1,694 |
| Loan loss allowance to noncurrent loans | 305.6848% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 3,970 |
| Noncurrent loans to loans | 0.5317% | 3,748 |
| Net loans and leases to total assets | 84.5695% | 342 |
| Net loans and leases to deposits | 98.3855% | 787 |
| Net loans and leases to core deposits | 121.5945% | 432 |
| Total domestic deposits to total assets | 85.9573% | 2,544 |
| Equity capital to assets | 10.2489% | 3,877 |
| Core capital (leverage) ratio | 10.5993% | 2,926 |
| Tier 1 risk-based capital ratio | 11.5511% | 5,345 |
| Total risk-based capital ratio | 12.8050% | 5,270 |
| Memoranda: |
| Average total assets | $234,420,250 | 2,642 |
| Average earning assets | $221,289,000 | 2,594 |
| Average equity | $21,895,500 | 3,001 |
| Average total loans | $203,757,250 | 2,054 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8570% | 799 |
| Cost of funding earning assets | 0.7131% | 788 |
| Net interest margin | 4.1439% | 1,241 |
| Noninterest income to average assets | 0.4335% | 3,830 |
| Noninterest expense to average assets | 2.1141% | 5,309 |
| Loan and lease loss provision to assets | 0.2764% | 593 |
| Net operating income to assets | 1.3506% | 1,190 |
| Return on assets (ROA) | 1.3506% | 1,235 |
| Pretax return on assets | 1.9746% | 625 |
| Return on Equity (ROE) | 15.0024% | 732 |
| Retained earnings to average equity (ytd only) | 15.0024% | 188 |
| Net charge-offs to loans | -0.0040% | 4,695 |
| Credit loss provision to net charge-offs | -7,875.0000% | 5,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4318% | 5,937 |
| Assets per employee ($millions) | 7.6871% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6376% | 1,795 |
| Loan loss allowance to noncurrent loans | 289.4288% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 3,979 |
| Noncurrent loans to loans | 0.5658% | 3,757 |
| Net loans and leases to total assets | 85.5729% | 261 |
| Net loans and leases to deposits | 98.3776% | 762 |
| Net loans and leases to core deposits | 119.7971% | 472 |
| Total domestic deposits to total assets | 86.9841% | 2,179 |
| Equity capital to assets | 8.9383% | 5,293 |
| Core capital (leverage) ratio | 9.1766% | 4,724 |
| Tier 1 risk-based capital ratio | 10.0485% | 6,076 |
| Total risk-based capital ratio | 11.3031% | 6,023 |
| Memoranda: |
| Average total assets | $227,894,670 | 2,719 |
| Average earning assets | $216,224,000 | 2,656 |
| Average equity | $20,516,670 | 3,161 |
| Average total loans | $198,892,000 | 2,095 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7533% | 938 |
| Cost of funding earning assets | 0.7095% | 822 |
| Net interest margin | 4.0438% | 1,426 |
| Noninterest income to average assets | 0.5281% | 3,105 |
| Noninterest expense to average assets | 2.1285% | 5,323 |
| Loan and lease loss provision to assets | 0.3197% | 430 |
| Net operating income to assets | 1.3058% | 1,252 |
| Return on assets (ROA) | 1.3058% | 1,341 |
| Pretax return on assets | 1.9291% | 678 |
| Return on Equity (ROE) | 14.4497% | 798 |
| Retained earnings to average equity (ytd only) | 14.4497% | 326 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6254% | 5,990 |
| Assets per employee ($millions) | 7.6044% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6289% | 1,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 86.1392% | 180 |
| Net loans and leases to deposits | 99.2871% | 601 |
| Net loans and leases to core deposits | 120.8941% | 390 |
| Total domestic deposits to total assets | 86.7577% | 2,522 |
| Equity capital to assets | 9.0049% | 5,285 |
| Core capital (leverage) ratio | 9.1460% | 4,796 |
| Tier 1 risk-based capital ratio | 10.1413% | 6,130 |
| Total risk-based capital ratio | 11.3960% | 6,072 |
| Memoranda: |
| Average total assets | $222,691,500 | 2,783 |
| Average earning assets | $211,978,000 | 2,711 |
| Average equity | $20,125,000 | 3,227 |
| Average total loans | $194,680,000 | 2,128 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9032% | 918 |
| Cost of funding earning assets | 0.7478% | 860 |
| Net interest margin | 4.1555% | 1,417 |
| Noninterest income to average assets | 0.4185% | 4,048 |
| Noninterest expense to average assets | 1.9965% | 5,765 |
| Loan and lease loss provision to assets | 0.2852% | 736 |
| Net operating income to assets | 1.3263% | 1,244 |
| Return on assets (ROA) | 1.3263% | 1,293 |
| Pretax return on assets | 2.0867% | 423 |
| Return on Equity (ROE) | 14.4896% | 849 |
| Retained earnings to average equity (ytd only) | 14.4896% | 158 |
| Net charge-offs to loans | 0.0556% | 3,720 |
| Credit loss provision to net charge-offs | 586.5979% | 454 |
| Earnings coverage of net charge-offs (x) | 48.7835% | 946 |
| Efficiency ratio | 45.7028% | 6,278 |
| Assets per employee ($millions) | 7.2417% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6224% | 2,022 |
| Loan loss allowance to noncurrent loans | 307,600.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 6,111 |
| Noncurrent loans to loans | 0.0005% | 5,947 |
| Net loans and leases to total assets | 85.8542% | 216 |
| Net loans and leases to deposits | 98.9827% | 687 |
| Net loans and leases to core deposits | 122.1577% | 364 |
| Total domestic deposits to total assets | 86.7365% | 2,430 |
| Equity capital to assets | 9.0711% | 5,212 |
| Core capital (leverage) ratio | 9.1765% | 4,715 |
| Tier 1 risk-based capital ratio | 9.6607% | 6,329 |
| Total risk-based capital ratio | 10.8047% | 6,320 |
| Memoranda: |
| Average total assets | $199,501,000 | 3,010 |
| Average earning assets | $189,629,800 | 2,907 |
| Average equity | $18,261,400 | 3,372 |
| Average total loans | $174,409,000 | 2,286 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8941% | 943 |
| Cost of funding earning assets | 0.7729% | 788 |
| Net interest margin | 4.1212% | 1,514 |
| Noninterest income to average assets | 0.4156% | 4,132 |
| Noninterest expense to average assets | 1.8790% | 5,985 |
| Loan and lease loss provision to assets | 0.2884% | 695 |
| Net operating income to assets | 1.3609% | 1,223 |
| Return on assets (ROA) | 1.3609% | 1,262 |
| Pretax return on assets | 2.1661% | 396 |
| Return on Equity (ROE) | 14.8302% | 855 |
| Retained earnings to average equity (ytd only) | 14.8302% | 214 |
| Net charge-offs to loans | -0.0031% | 5,226 |
| Credit loss provision to net charge-offs | -10,550.0000% | 6,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3596% | 6,381 |
| Assets per employee ($millions) | 6.9590% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6559% | 2,114 |
| Loan loss allowance to noncurrent loans | 1,352.2321% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 5,735 |
| Noncurrent loans to loans | 0.1225% | 5,561 |
| Net loans and leases to total assets | 86.1694% | 190 |
| Net loans and leases to deposits | 99.4587% | 642 |
| Net loans and leases to core deposits | 123.3391% | 321 |
| Total domestic deposits to total assets | 86.6383% | 2,504 |
| Equity capital to assets | 9.1134% | 5,242 |
| Core capital (leverage) ratio | 9.2097% | 4,769 |
| Tier 1 risk-based capital ratio | 9.7617% | 6,394 |
| Total risk-based capital ratio | 10.9006% | 6,387 |
| Memoranda: |
| Average total assets | $195,063,500 | 3,069 |
| Average earning assets | $185,442,250 | 2,993 |
| Average equity | $17,900,000 | 3,430 |
| Average total loans | $170,612,500 | 2,337 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8286% | 1,022 |
| Cost of funding earning assets | 0.7745% | 810 |
| Net interest margin | 4.0541% | 1,650 |
| Noninterest income to average assets | 0.4315% | 4,015 |
| Noninterest expense to average assets | 1.9318% | 5,946 |
| Loan and lease loss provision to assets | 0.2509% | 870 |
| Net operating income to assets | 1.3302% | 1,229 |
| Return on assets (ROA) | 1.3302% | 1,275 |
| Pretax return on assets | 2.1176% | 431 |
| Return on Equity (ROE) | 14.4596% | 878 |
| Retained earnings to average equity (ytd only) | 14.4596% | 239 |
| Net charge-offs to loans | -0.0048% | 5,168 |
| Credit loss provision to net charge-offs | -5,975.0000% | 5,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9219% | 6,392 |
| Assets per employee ($millions) | 8.0342% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6136% | 2,413 |
| Loan loss allowance to noncurrent loans | 1,270.5357% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 5,827 |
| Noncurrent loans to loans | 0.1270% | 5,635 |
| Net loans and leases to total assets | 86.3961% | 160 |
| Net loans and leases to deposits | 100.4841% | 532 |
| Net loans and leases to core deposits | 124.7107% | 290 |
| Total domestic deposits to total assets | 85.9799% | 3,049 |
| Equity capital to assets | 9.0892% | 5,210 |
| Core capital (leverage) ratio | 9.3326% | 4,549 |
| Tier 1 risk-based capital ratio | 9.9531% | 6,414 |
| Total risk-based capital ratio | 11.1542% | 6,388 |
| Memoranda: |
| Average total assets | $190,495,000 | 3,146 |
| Average earning assets | $181,792,000 | 3,056 |
| Average equity | $17,524,670 | 3,474 |
| Average total loans | $166,508,670 | 2,377 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7616% | 1,120 |
| Cost of funding earning assets | 0.7921% | 774 |
| Net interest margin | 3.9695% | 1,859 |
| Noninterest income to average assets | 0.3389% | 4,665 |
| Noninterest expense to average assets | 2.0419% | 5,797 |
| Loan and lease loss provision to assets | 0.2741% | 755 |
| Net operating income to assets | 1.1440% | 1,650 |
| Return on assets (ROA) | 1.1440% | 1,717 |
| Pretax return on assets | 1.8196% | 778 |
| Return on Equity (ROE) | 12.3550% | 1,325 |
| Retained earnings to average equity (ytd only) | 12.3550% | 565 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3737% | 6,294 |
| Assets per employee ($millions) | 8.2949% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6447% | 2,531 |
| Loan loss allowance to noncurrent loans | 13,004.7619% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 6,296 |
| Noncurrent loans to loans | 0.0126% | 6,133 |
| Net loans and leases to total assets | 85.6050% | 157 |
| Net loans and leases to deposits | 98.0359% | 540 |
| Net loans and leases to core deposits | 108.4499% | 655 |
| Total domestic deposits to total assets | 87.3201% | 2,620 |
| Equity capital to assets | 9.1576% | 4,929 |
| Core capital (leverage) ratio | 9.4356% | 4,366 |
| Tier 1 risk-based capital ratio | 9.8267% | 6,510 |
| Total risk-based capital ratio | 10.9834% | 6,499 |
| Memoranda: |
| Average total assets | $185,315,500 | 3,230 |
| Average earning assets | $177,249,500 | 3,134 |
| Average equity | $17,159,000 | 3,530 |
| Average total loans | $161,575,000 | 2,441 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8880% | 1,116 |
| Cost of funding earning assets | 0.8781% | 831 |
| Net interest margin | 4.0099% | 1,921 |
| Noninterest income to average assets | 0.4718% | 3,947 |
| Noninterest expense to average assets | 1.7000% | 6,446 |
| Loan and lease loss provision to assets | 0.3480% | 910 |
| Net operating income to assets | 1.4505% | 911 |
| Return on assets (ROA) | 1.4505% | 953 |
| Pretax return on assets | 2.2322% | 299 |
| Return on Equity (ROE) | 15.8345% | 642 |
| Retained earnings to average equity (ytd only) | 15.8345% | 151 |
| Net charge-offs to loans | 0.0385% | 4,692 |
| Credit loss provision to net charge-offs | 1,046.2963% | 244 |
| Earnings coverage of net charge-offs (x) | 77.5741% | 559 |
| Efficiency ratio | 39.7179% | 6,693 |
| Assets per employee ($millions) | 7.8195% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6575% | 2,541 |
| Loan loss allowance to noncurrent loans | 5,105.8824% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 6,301 |
| Noncurrent loans to loans | 0.0325% | 6,154 |
| Net loans and leases to total assets | 85.9032% | 160 |
| Net loans and leases to deposits | 97.9180% | 594 |
| Net loans and leases to core deposits | 119.9596% | 331 |
| Total domestic deposits to total assets | 87.7297% | 2,349 |
| Equity capital to assets | 9.3673% | 4,589 |
| Core capital (leverage) ratio | 9.6489% | 4,059 |
| Tier 1 risk-based capital ratio | 10.7605% | 6,279 |
| Total risk-based capital ratio | 11.9341% | 6,259 |
| Memoranda: |
| Average total assets | $162,354,200 | 3,525 |
| Average earning assets | $154,195,000 | 3,432 |
| Average equity | $14,872,600 | 3,891 |
| Average total loans | $140,135,200 | 2,695 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9140% | 1,093 |
| Cost of funding earning assets | 0.8985% | 820 |
| Net interest margin | 4.0154% | 1,896 |
| Noninterest income to average assets | 0.4979% | 3,821 |
| Noninterest expense to average assets | 1.7436% | 6,419 |
| Loan and lease loss provision to assets | 0.3165% | 1,069 |
| Net operating income to assets | 1.4271% | 1,038 |
| Return on assets (ROA) | 1.4271% | 1,097 |
| Pretax return on assets | 2.2433% | 353 |
| Return on Equity (ROE) | 15.6799% | 686 |
| Retained earnings to average equity (ytd only) | 15.6799% | 169 |
| Net charge-offs to loans | -0.0029% | 5,720 |
| Credit loss provision to net charge-offs | -12,500.0000% | 6,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5177% | 6,740 |
| Assets per employee ($millions) | 7.1175% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6829% | 2,680 |
| Loan loss allowance to noncurrent loans | 472.2753% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 5,501 |
| Noncurrent loans to loans | 0.3563% | 5,321 |
| Net loans and leases to total assets | 84.4777% | 216 |
| Net loans and leases to deposits | 96.6725% | 644 |
| Net loans and leases to core deposits | 120.2373% | 318 |
| Total domestic deposits to total assets | 87.3855% | 2,468 |
| Equity capital to assets | 9.4779% | 4,579 |
| Core capital (leverage) ratio | 9.6700% | 4,143 |
| Tier 1 risk-based capital ratio | 11.0307% | 6,267 |
| Total risk-based capital ratio | 12.2864% | 6,226 |
| Memoranda: |
| Average total assets | $157,980,500 | 3,627 |
| Average earning assets | $149,719,250 | 3,538 |
| Average equity | $14,379,000 | 4,041 |
| Average total loans | $135,894,000 | 2,773 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9346% | 1,022 |
| Cost of funding earning assets | 0.8942% | 924 |
| Net interest margin | 4.0404% | 1,726 |
| Noninterest income to average assets | 0.5634% | 3,420 |
| Noninterest expense to average assets | 1.7684% | 6,429 |
| Loan and lease loss provision to assets | 0.3253% | 1,066 |
| Net operating income to assets | 1.4366% | 1,007 |
| Return on assets (ROA) | 1.4366% | 1,092 |
| Pretax return on assets | 2.2915% | 349 |
| Return on Equity (ROE) | 16.0287% | 664 |
| Retained earnings to average equity (ytd only) | 16.0287% | 188 |
| Net charge-offs to loans | -0.0045% | 5,622 |
| Credit loss provision to net charge-offs | -8,333.3333% | 6,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3264% | 6,792 |
| Assets per employee ($millions) | 6.8093% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6793% | 2,861 |
| Loan loss allowance to noncurrent loans | 448.3748% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 5,516 |
| Noncurrent loans to loans | 0.3745% | 5,340 |
| Net loans and leases to total assets | 84.0108% | 236 |
| Net loans and leases to deposits | 94.7600% | 762 |
| Net loans and leases to core deposits | 117.7086% | 357 |
| Total domestic deposits to total assets | 88.6564% | 1,804 |
| Equity capital to assets | 8.9467% | 5,270 |
| Core capital (leverage) ratio | 9.2694% | 4,595 |
| Tier 1 risk-based capital ratio | 11.1440% | 6,269 |
| Total risk-based capital ratio | 12.3992% | 6,242 |
| Memoranda: |
| Average total assets | $153,701,000 | 3,710 |
| Average earning assets | $145,382,330 | 3,639 |
| Average equity | $13,775,330 | 4,194 |
| Average total loans | $132,267,330 | 2,836 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0874% | 757 |
| Cost of funding earning assets | 0.8801% | 1,081 |
| Net interest margin | 4.2073% | 1,169 |
| Noninterest income to average assets | 0.6127% | 3,065 |
| Noninterest expense to average assets | 1.7630% | 6,481 |
| Loan and lease loss provision to assets | 0.4434% | 646 |
| Net operating income to assets | 1.4647% | 924 |
| Return on assets (ROA) | 1.4647% | 1,006 |
| Pretax return on assets | 2.3891% | 315 |
| Return on Equity (ROE) | 16.3265% | 572 |
| Retained earnings to average equity (ytd only) | 16.3265% | 257 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3626% | 6,896 |
| Assets per employee ($millions) | 6.8948% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7032% | 2,995 |
| Loan loss allowance to noncurrent loans | 430.7252% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 5,562 |
| Noncurrent loans to loans | 0.3954% | 5,428 |
| Net loans and leases to total assets | 85.8741% | 126 |
| Net loans and leases to deposits | 96.0456% | 540 |
| Net loans and leases to core deposits | 120.9046% | 273 |
| Total domestic deposits to total assets | 89.4097% | 1,410 |
| Equity capital to assets | 9.0397% | 5,436 |
| Core capital (leverage) ratio | 9.3057% | 4,389 |
| Tier 1 risk-based capital ratio | 11.1217% | 6,352 |
| Total risk-based capital ratio | 12.3788% | 6,326 |
| Memoranda: |
| Average total assets | $148,840,000 | 3,835 |
| Average earning assets | $140,896,500 | 3,750 |
| Average equity | $13,352,500 | 4,315 |
| Average total loans | $128,582,000 | 2,914 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5258% | 593 |
| Cost of funding earning assets | 0.9724% | 1,511 |
| Net interest margin | 4.5534% | 855 |
| Noninterest income to average assets | 0.8183% | 2,184 |
| Noninterest expense to average assets | 2.4698% | 5,189 |
| Loan and lease loss provision to assets | 0.2963% | 2,308 |
| Net operating income to assets | 1.5324% | 858 |
| Return on assets (ROA) | 1.5324% | 948 |
| Pretax return on assets | 2.2951% | 345 |
| Return on Equity (ROE) | 16.6462% | 581 |
| Retained earnings to average equity (ytd only) | 16.6462% | 99 |
| Net charge-offs to loans | -0.1120% | 6,845 |
| Credit loss provision to net charge-offs | -304.8387% | 6,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7998% | 6,666 |
| Assets per employee ($millions) | 6.9521% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6783% | 3,012 |
| Loan loss allowance to noncurrent loans | 376.2590% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 5,545 |
| Noncurrent loans to loans | 0.4461% | 5,387 |
| Net loans and leases to total assets | 83.9459% | 217 |
| Net loans and leases to deposits | 97.8913% | 516 |
| Net loans and leases to core deposits | 120.7246% | 271 |
| Total domestic deposits to total assets | 85.7542% | 3,483 |
| Equity capital to assets | 8.8997% | 5,635 |
| Core capital (leverage) ratio | 9.4896% | 4,121 |
| Tier 1 risk-based capital ratio | 11.2760% | 6,229 |
| Total risk-based capital ratio | 12.5266% | 6,197 |
| Memoranda: |
| Average total assets | $127,578,600 | 4,200 |
| Average earning assets | $118,878,000 | 4,131 |
| Average equity | $11,744,400 | 4,623 |
| Average total loans | $110,718,000 | 3,286 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5828% | 572 |
| Cost of funding earning assets | 0.9858% | 1,648 |
| Net interest margin | 4.5970% | 823 |
| Noninterest income to average assets | 0.9270% | 1,744 |
| Noninterest expense to average assets | 2.3441% | 5,561 |
| Loan and lease loss provision to assets | 0.2201% | 2,856 |
| Net operating income to assets | 1.6231% | 804 |
| Return on assets (ROA) | 1.6231% | 888 |
| Pretax return on assets | 2.6455% | 235 |
| Return on Equity (ROE) | 17.4589% | 556 |
| Retained earnings to average equity (ytd only) | 17.4589% | 136 |
| Net charge-offs to loans | -0.1654% | 6,959 |
| Credit loss provision to net charge-offs | -152.6316% | 6,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9948% | 6,866 |
| Assets per employee ($millions) | 6.7802% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6432% | 3,356 |
| Loan loss allowance to noncurrent loans | 1,258.8235% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 6,440 |
| Noncurrent loans to loans | 0.1305% | 6,280 |
| Net loans and leases to total assets | 85.0145% | 185 |
| Net loans and leases to deposits | 96.2223% | 642 |
| Net loans and leases to core deposits | 114.1337% | 426 |
| Total domestic deposits to total assets | 88.3521% | 1,809 |
| Equity capital to assets | 9.0831% | 5,736 |
| Core capital (leverage) ratio | 9.3690% | 4,475 |
| Tier 1 risk-based capital ratio | 11.4174% | 6,279 |
| Total risk-based capital ratio | 12.6827% | 6,238 |
| Memoranda: |
| Average total assets | $122,974,750 | 4,331 |
| Average earning assets | $114,563,500 | 4,278 |
| Average equity | $11,432,250 | 4,724 |
| Average total loans | $107,235,500 | 3,385 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6339% | 547 |
| Cost of funding earning assets | 0.9775% | 1,893 |
| Net interest margin | 4.6564% | 740 |
| Noninterest income to average assets | 0.9835% | 1,506 |
| Noninterest expense to average assets | 2.4906% | 5,172 |
| Loan and lease loss provision to assets | 0.2374% | 2,699 |
| Net operating income to assets | 1.5914% | 852 |
| Return on assets (ROA) | 1.5914% | 952 |
| Pretax return on assets | 2.5950% | 263 |
| Return on Equity (ROE) | 16.9700% | 638 |
| Retained earnings to average equity (ytd only) | 16.9700% | 184 |
| Net charge-offs to loans | -0.2772% | 7,058 |
| Credit loss provision to net charge-offs | -97.9167% | 6,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7890% | 6,843 |
| Assets per employee ($millions) | 6.1388% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7094% | 3,188 |
| Loan loss allowance to noncurrent loans | 765.3061% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 6,312 |
| Noncurrent loans to loans | 0.2234% | 6,133 |
| Net loans and leases to total assets | 83.6309% | 231 |
| Net loans and leases to deposits | 92.2677% | 919 |
| Net loans and leases to core deposits | 110.4258% | 560 |
| Total domestic deposits to total assets | 90.6395% | 594 |
| Equity capital to assets | 9.0293% | 5,669 |
| Core capital (leverage) ratio | 9.5765% | 4,039 |
| Tier 1 risk-based capital ratio | 11.2630% | 6,362 |
| Total risk-based capital ratio | 12.5200% | 6,337 |
| Memoranda: |
| Average total assets | $118,765,000 | 4,446 |
| Average earning assets | $110,686,670 | 4,397 |
| Average equity | $11,137,330 | 4,779 |
| Average total loans | $103,911,000 | 3,477 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7491% | 472 |
| Cost of funding earning assets | 0.9625% | 2,213 |
| Net interest margin | 4.7866% | 581 |
| Noninterest income to average assets | 0.7564% | 2,367 |
| Noninterest expense to average assets | 2.5860% | 4,870 |
| Loan and lease loss provision to assets | 0.3659% | 1,722 |
| Net operating income to assets | 1.4214% | 1,179 |
| Return on assets (ROA) | 1.4214% | 1,323 |
| Pretax return on assets | 2.3186% | 442 |
| Return on Equity (ROE) | 14.8448% | 1,004 |
| Retained earnings to average equity (ytd only) | 14.8448% | 465 |
| Net charge-offs to loans | -0.2574% | 7,034 |
| Credit loss provision to net charge-offs | -160.0000% | 5,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0654% | 6,734 |
| Assets per employee ($millions) | 5.3563% | 1,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6895% | 3,385 |
| Loan loss allowance to noncurrent loans | 1,079.1411% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 6,545 |
| Noncurrent loans to loans | 0.1566% | 6,367 |
| Net loans and leases to total assets | 86.8592% | 96 |
| Net loans and leases to deposits | 96.0836% | 531 |
| Net loans and leases to core deposits | 121.3948% | 290 |
| Total domestic deposits to total assets | 90.3996% | 868 |
| Equity capital to assets | 9.4094% | 4,946 |
| Core capital (leverage) ratio | 9.8319% | 3,597 |
| Tier 1 risk-based capital ratio | 11.5713% | 6,243 |
| Total risk-based capital ratio | 12.8289% | 6,214 |
| Memoranda: |
| Average total assets | $113,690,500 | 4,605 |
| Average earning assets | $107,217,000 | 4,507 |
| Average equity | $10,886,000 | 4,844 |
| Average total loans | $101,023,000 | 3,569 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9131% | 504 |
| Cost of funding earning assets | 1.0188% | 3,248 |
| Net interest margin | 4.8944% | 515 |
| Noninterest income to average assets | 0.6354% | 2,974 |
| Noninterest expense to average assets | 2.7739% | 4,457 |
| Loan and lease loss provision to assets | 0.4135% | 2,526 |
| Net operating income to assets | 1.3594% | 1,116 |
| Return on assets (ROA) | 1.3594% | 1,204 |
| Pretax return on assets | 2.0719% | 461 |
| Return on Equity (ROE) | 13.0154% | 1,168 |
| Retained earnings to average equity (ytd only) | 13.0154% | 224 |
| Net charge-offs to loans | -0.0035% | 6,821 |
| Credit loss provision to net charge-offs | -13,233.3333% | 6,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7431% | 6,639 |
| Assets per employee ($millions) | 5.2163% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6236% | 3,500 |
| Loan loss allowance to noncurrent loans | 392.5926% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 6,053 |
| Noncurrent loans to loans | 0.4135% | 5,892 |
| Net loans and leases to total assets | 87.9507% | 77 |
| Net loans and leases to deposits | 99.3258% | 489 |
| Net loans and leases to core deposits | 134.5629% | 197 |
| Total domestic deposits to total assets | 88.5478% | 1,821 |
| Equity capital to assets | 9.7533% | 4,506 |
| Core capital (leverage) ratio | 10.2083% | 3,080 |
| Tier 1 risk-based capital ratio | 11.8042% | 5,956 |
| Total risk-based capital ratio | 13.0604% | 5,932 |
| Memoranda: |
| Average total assets | $96,000,800 | 5,013 |
| Average earning assets | $90,696,200 | 4,908 |
| Average equity | $10,026,600 | 5,008 |
| Average total loans | $85,331,200 | 3,987 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8866% | 576 |
| Cost of funding earning assets | 1.0385% | 3,404 |
| Net interest margin | 4.8480% | 571 |
| Noninterest income to average assets | 0.7659% | 2,221 |
| Noninterest expense to average assets | 2.7151% | 4,674 |
| Loan and lease loss provision to assets | 0.4348% | 2,305 |
| Net operating income to assets | 1.4108% | 1,130 |
| Return on assets (ROA) | 1.4108% | 1,210 |
| Pretax return on assets | 2.1925% | 431 |
| Return on Equity (ROE) | 13.2488% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.2488% | 354 |
| Net charge-offs to loans | -0.0130% | 6,818 |
| Credit loss provision to net charge-offs | -3,775.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8219% | 6,782 |
| Assets per employee ($millions) | 5.1920% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6506% | 3,444 |
| Loan loss allowance to noncurrent loans | 21,428.5714% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,062 |
| Noncurrent loans to loans | 0.0077% | 6,946 |
| Net loans and leases to total assets | 86.0707% | 132 |
| Net loans and leases to deposits | 96.8908% | 646 |
| Net loans and leases to core deposits | 134.6699% | 204 |
| Total domestic deposits to total assets | 88.8327% | 1,530 |
| Equity capital to assets | 9.9760% | 4,377 |
| Core capital (leverage) ratio | 10.6233% | 2,733 |
| Tier 1 risk-based capital ratio | 12.2480% | 5,707 |
| Total risk-based capital ratio | 13.5049% | 5,683 |
| Memoranda: |
| Average total assets | $92,615,500 | 5,148 |
| Average earning assets | $87,428,500 | 5,049 |
| Average equity | $9,862,250 | 5,075 |
| Average total loans | $82,180,750 | 4,117 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7452% | 804 |
| Cost of funding earning assets | 1.0467% | 3,626 |
| Net interest margin | 4.6984% | 732 |
| Noninterest income to average assets | 0.8484% | 1,809 |
| Noninterest expense to average assets | 2.8017% | 4,417 |
| Loan and lease loss provision to assets | 0.3848% | 2,492 |
| Net operating income to assets | 1.3682% | 1,153 |
| Return on assets (ROA) | 1.3682% | 1,223 |
| Pretax return on assets | 2.1266% | 466 |
| Return on Equity (ROE) | 12.5404% | 1,326 |
| Retained earnings to average equity (ytd only) | 12.5404% | 448 |
| Net charge-offs to loans | -0.0126% | 6,737 |
| Credit loss provision to net charge-offs | -3,420.0000% | 6,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7319% | 6,741 |
| Assets per employee ($millions) | 5.3319% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6086% | 3,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 87.0550% | 108 |
| Net loans and leases to deposits | 97.3992% | 625 |
| Net loans and leases to core deposits | 134.7749% | 224 |
| Total domestic deposits to total assets | 89.3795% | 1,312 |
| Equity capital to assets | 10.4058% | 3,631 |
| Core capital (leverage) ratio | 11.3116% | 2,041 |
| Tier 1 risk-based capital ratio | 12.8417% | 5,052 |
| Total risk-based capital ratio | 14.0980% | 5,022 |
| Memoranda: |
| Average total assets | $88,874,330 | 5,292 |
| Average earning assets | $84,453,670 | 5,179 |
| Average equity | $9,696,670 | 5,124 |
| Average total loans | $79,282,670 | 4,245 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8409% | 682 |
| Cost of funding earning assets | 1.0881% | 3,601 |
| Net interest margin | 4.7528% | 633 |
| Noninterest income to average assets | 1.4392% | 615 |
| Noninterest expense to average assets | 3.2207% | 2,815 |
| Loan and lease loss provision to assets | 0.2110% | 3,537 |
| Net operating income to assets | 1.6174% | 664 |
| Return on assets (ROA) | 1.6174% | 702 |
| Pretax return on assets | 2.5128% | 246 |
| Return on Equity (ROE) | 14.4480% | 915 |
| Retained earnings to average equity (ytd only) | 14.4480% | 440 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1798% | 6,678 |
| Assets per employee ($millions) | 4.7160% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6193% | 3,655 |
| Loan loss allowance to noncurrent loans | 3,250.0000% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 7,052 |
| Noncurrent loans to loans | 0.0498% | 6,925 |
| Net loans and leases to total assets | 88.3882% | 72 |
| Net loans and leases to deposits | 100.2432% | 453 |
| Net loans and leases to core deposits | 133.4169% | 237 |
| Total domestic deposits to total assets | 88.1738% | 2,275 |
| Equity capital to assets | 11.4551% | 2,310 |
| Core capital (leverage) ratio | 11.4855% | 1,856 |
| Tier 1 risk-based capital ratio | 13.9008% | 4,141 |
| Total risk-based capital ratio | 15.1573% | 4,111 |
| Memoranda: |
| Average total assets | $85,324,000 | 5,433 |
| Average earning assets | $80,878,000 | 5,330 |
| Average equity | $9,551,500 | 5,157 |
| Average total loans | $76,465,500 | 4,374 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6686% | 1,685 |
| Cost of funding earning assets | 1.3121% | 3,803 |
| Net interest margin | 4.3565% | 1,629 |
| Noninterest income to average assets | 0.3848% | 5,022 |
| Noninterest expense to average assets | 2.8363% | 4,451 |
| Loan and lease loss provision to assets | 0.3903% | 3,772 |
| Net operating income to assets | 2.3857% | 134 |
| Return on assets (ROA) | 2.3857% | 141 |
| Pretax return on assets | 1.3189% | 1,888 |
| Return on Equity (ROE) | 25.5845% | 96 |
| Retained earnings to average equity (ytd only) | 25.5845% | 24 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3983% | 5,661 |
| Assets per employee ($millions) | 5.0447% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5522% | 3,765 |
| Loan loss allowance to noncurrent loans | 3,131.5789% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 7,123 |
| Noncurrent loans to loans | 0.0496% | 7,006 |
| Net loans and leases to total assets | 88.0072% | 99 |
| Net loans and leases to deposits | 100.3097% | 558 |
| Net loans and leases to core deposits | 135.0686% | 270 |
| Total domestic deposits to total assets | 87.7355% | 2,402 |
| Equity capital to assets | 10.9363% | 2,741 |
| Core capital (leverage) ratio | 11.1797% | 2,028 |
| Tier 1 risk-based capital ratio | 12.8603% | 4,721 |
| Total risk-based capital ratio | 14.1167% | 4,685 |
| Memoranda: |
| Average total assets | $73,017,800 | 5,786 |
| Average earning assets | $69,734,600 | 5,680 |
| Average equity | $6,808,800 | 6,100 |
| Average total loans | $65,500,400 | 4,845 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6365% | 1,926 |
| Cost of funding earning assets | 1.3708% | 3,775 |
| Net interest margin | 4.2657% | 1,968 |
| Noninterest income to average assets | 0.4506% | 4,557 |
| Noninterest expense to average assets | 2.8888% | 4,134 |
| Loan and lease loss provision to assets | 0.3819% | 3,598 |
| Net operating income to assets | 1.2735% | 1,403 |
| Return on assets (ROA) | 1.2735% | 1,487 |
| Pretax return on assets | 1.2735% | 2,251 |
| Return on Equity (ROE) | 14.4222% | 949 |
| Retained earnings to average equity (ytd only) | 14.4222% | 244 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5714% | 5,331 |
| Assets per employee ($millions) | 4.8593% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5953% | 3,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 87.6704% | 120 |
| Net loans and leases to deposits | 98.5869% | 758 |
| Net loans and leases to core deposits | 126.2867% | 446 |
| Total domestic deposits to total assets | 88.9270% | 1,430 |
| Equity capital to assets | 11.0138% | 2,948 |
| Core capital (leverage) ratio | 11.6483% | 1,845 |
| Tier 1 risk-based capital ratio | 14.0375% | 3,806 |
| Total risk-based capital ratio | 15.2948% | 3,773 |
| Memoranda: |
| Average total assets | $69,832,250 | 5,949 |
| Average earning assets | $67,013,500 | 5,830 |
| Average equity | $6,166,250 | 6,400 |
| Average total loans | $62,709,250 | 5,043 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5210% | 2,437 |
| Cost of funding earning assets | 1.4136% | 3,789 |
| Net interest margin | 4.1074% | 2,523 |
| Noninterest income to average assets | 0.4881% | 4,208 |
| Noninterest expense to average assets | 2.7830% | 4,565 |
| Loan and lease loss provision to assets | 0.3572% | 3,576 |
| Net operating income to assets | 1.2918% | 1,327 |
| Return on assets (ROA) | 1.2918% | 1,386 |
| Pretax return on assets | 1.2918% | 2,115 |
| Return on Equity (ROE) | 16.1719% | 677 |
| Retained earnings to average equity (ytd only) | 16.1719% | 188 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7938% | 5,558 |
| Assets per employee ($millions) | 4.3793% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6043% | 3,425 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 89.7186% | 85 |
| Net loans and leases to deposits | 97.6073% | 913 |
| Net loans and leases to core deposits | 125.1249% | 541 |
| Total domestic deposits to total assets | 91.9179% | 235 |
| Equity capital to assets | 7.9765% | 6,775 |
| Core capital (leverage) ratio | 8.2496% | 5,855 |
| Tier 1 risk-based capital ratio | 9.7449% | 7,164 |
| Total risk-based capital ratio | 11.0020% | 7,146 |
| Memoranda: |
| Average total assets | $67,193,670 | 6,058 |
| Average earning assets | $64,517,000 | 5,944 |
| Average equity | $5,367,330 | 6,661 |
| Average total loans | $60,523,330 | 5,158 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5781% | 2,250 |
| Cost of funding earning assets | 1.4278% | 4,006 |
| Net interest margin | 4.1502% | 2,233 |
| Noninterest income to average assets | 0.7604% | 2,231 |
| Noninterest expense to average assets | 3.1084% | 3,228 |
| Loan and lease loss provision to assets | 0.3954% | 2,995 |
| Net operating income to assets | 1.2349% | 1,446 |
| Return on assets (ROA) | 1.2349% | 1,521 |
| Pretax return on assets | 1.2349% | 2,251 |
| Return on Equity (ROE) | 15.4475% | 808 |
| Retained earnings to average equity (ytd only) | 15.4475% | 379 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5969% | 5,205 |
| Assets per employee ($millions) | 4.2037% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6212% | 3,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 87.5154% | 146 |
| Net loans and leases to deposits | 95.1643% | 1,209 |
| Net loans and leases to core deposits | 121.0281% | 745 |
| Total domestic deposits to total assets | 91.9624% | 252 |
| Equity capital to assets | 7.9662% | 6,695 |
| Core capital (leverage) ratio | 8.2877% | 5,765 |
| Tier 1 risk-based capital ratio | 9.7972% | 7,157 |
| Total risk-based capital ratio | 11.0534% | 7,149 |
| Memoranda: |
| Average total assets | $65,756,500 | 6,182 |
| Average earning assets | $63,032,500 | 6,052 |
| Average equity | $5,256,500 | 6,755 |
| Average total loans | $58,840,500 | 5,303 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4798% | 4,254 |
| Cost of funding earning assets | 1.7985% | 4,001 |
| Net interest margin | 3.6813% | 4,211 |
| Noninterest income to average assets | 0.3567% | 5,545 |
| Noninterest expense to average assets | 3.4341% | 2,572 |
| Loan and lease loss provision to assets | 0.6554% | 3,191 |
| Net operating income to assets | -2.0277% | 7,105 |
| Return on assets (ROA) | -2.0277% | 7,101 |
| Pretax return on assets | -0.2287% | 5,733 |
| Return on Equity (ROE) | -20.6451% | 7,160 |
| Retained earnings to average equity (ytd only) | -20.6451% | 7,128 |
| Net charge-offs to loans | 0.3087% | 4,701 |
| Credit loss provision to net charge-offs | 241.5094% | 1,473 |
| Earnings coverage of net charge-offs (x) | 1.5723% | 4,565 |
| Efficiency ratio | 88.9478% | 1,803 |
| Assets per employee ($millions) | 4.0159% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5644% | 3,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 88.6233% | 145 |
| Net loans and leases to deposits | 96.4646% | 1,274 |
| Net loans and leases to core deposits | 124.4188% | 1,613 |
| Total domestic deposits to total assets | 91.8713% | 288 |
| Equity capital to assets | 8.0228% | 6,559 |
| Core capital (leverage) ratio | 8.3023% | 5,611 |
| Tier 1 risk-based capital ratio | 9.6726% | 7,118 |
| Total risk-based capital ratio | 10.9279% | 7,088 |
| Memoranda: |
| Average total assets | $58,588,600 | 6,404 |
| Average earning assets | $55,768,600 | 6,303 |
| Average equity | $5,754,400 | 6,690 |
| Average total loans | $51,514,400 | 5,606 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3392% | 5,227 |
| Cost of funding earning assets | 1.8837% | 3,964 |
| Net interest margin | 3.4555% | 5,048 |
| Noninterest income to average assets | 0.3312% | 5,837 |
| Noninterest expense to average assets | 3.5541% | 2,135 |
| Loan and lease loss provision to assets | 0.7276% | 2,557 |
| Net operating income to assets | -3.1250% | 7,618 |
| Return on assets (ROA) | -3.1250% | 7,623 |
| Pretax return on assets | -0.6693% | 6,460 |
| Return on Equity (ROE) | -30.2599% | 7,614 |
| Retained earnings to average equity (ytd only) | -30.2599% | 7,600 |
| Net charge-offs to loans | 0.4246% | 3,559 |
| Credit loss provision to net charge-offs | 196.2264% | 2,289 |
| Earnings coverage of net charge-offs (x) | 0.1572% | 5,868 |
| Efficiency ratio | 98.3861% | 1,149 |
| Assets per employee ($millions) | 3.8258% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5152% | 3,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 88.4516% | 176 |
| Net loans and leases to deposits | 96.4548% | 1,513 |
| Net loans and leases to core deposits | 115.1954% | 2,702 |
| Total domestic deposits to total assets | 91.7026% | 224 |
| Equity capital to assets | 8.1732% | 6,673 |
| Core capital (leverage) ratio | 8.1157% | 6,160 |
| Tier 1 risk-based capital ratio | 9.7557% | 7,183 |
| Total risk-based capital ratio | 11.0095% | 7,143 |
| Memoranda: |
| Average total assets | $57,172,250 | 6,496 |
| Average earning assets | $54,288,500 | 6,411 |
| Average equity | $5,904,250 | 6,700 |
| Average total loans | $49,930,750 | 5,725 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1357% | 6,295 |
| Cost of funding earning assets | 1.9401% | 4,060 |
| Net interest margin | 3.1955% | 5,933 |
| Noninterest income to average assets | 0.1541% | 7,166 |
| Noninterest expense to average assets | 3.6829% | 1,872 |
| Loan and lease loss provision to assets | 0.8992% | 1,879 |
| Net operating income to assets | -0.8706% | 6,880 |
| Return on assets (ROA) | -0.8706% | 6,888 |
| Pretax return on assets | -1.4187% | 7,046 |
| Return on Equity (ROE) | -7.8328% | 6,880 |
| Retained earnings to average equity (ytd only) | -7.8328% | 6,648 |
| Net charge-offs to loans | 0.6591% | 2,387 |
| Credit loss provision to net charge-offs | 157.8616% | 2,921 |
| Earnings coverage of net charge-offs (x) | -0.9119% | 6,212 |
| Efficiency ratio | 116.4213% | 733 |
| Assets per employee ($millions) | 3.9831% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4720% | 3,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 81.0827% | 1,122 |
| Net loans and leases to deposits | 89.8475% | 2,857 |
| Net loans and leases to core deposits | 113.2655% | 2,991 |
| Total domestic deposits to total assets | 90.2448% | 734 |
| Equity capital to assets | 9.5716% | 4,524 |
| Core capital (leverage) ratio | 8.7505% | 5,001 |
| Tier 1 risk-based capital ratio | 9.8336% | 7,098 |
| Total risk-based capital ratio | 11.0874% | 7,035 |
| Memoranda: |
| Average total assets | $55,825,670 | 6,601 |
| Average earning assets | $52,573,670 | 6,528 |
| Average equity | $6,204,670 | 6,641 |
| Average total loans | $48,249,000 | 5,836 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9009% | 7,175 |
| Cost of funding earning assets | 2.2336% | 2,997 |
| Net interest margin | 2.6673% | 7,273 |
| Noninterest income to average assets | 0.1388% | 7,306 |
| Noninterest expense to average assets | 3.9018% | 1,306 |
| Loan and lease loss provision to assets | 0.9253% | 1,399 |
| Net operating income to assets | -1.3263% | 7,430 |
| Return on assets (ROA) | -1.3263% | 7,443 |
| Pretax return on assets | -2.1745% | 7,582 |
| Return on Equity (ROE) | -10.9957% | 7,426 |
| Retained earnings to average equity (ytd only) | -10.9957% | 7,204 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.0930% | 369 |
| Assets per employee ($millions) | 3.3797% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6383% | 2,364 |
| Loan loss allowance to noncurrent loans | 503.1447% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 6,635 |
| Noncurrent loans to loans | 0.3256% | 6,624 |
| Net loans and leases to total assets | 88.8211% | 205 |
| Net loans and leases to deposits | 100.4014% | 1,357 |
| Net loans and leases to core deposits | 135.4828% | 1,336 |
| Total domestic deposits to total assets | 88.4660% | 1,502 |
| Equity capital to assets | 11.4119% | 2,652 |
| Core capital (leverage) ratio | 9.9101% | 3,506 |
| Tier 1 risk-based capital ratio | 10.7361% | 6,151 |
| Total risk-based capital ratio | 11.9926% | 6,053 |
| Memoranda: |
| Average total assets | $51,873,500 | 6,788 |
| Average earning assets | $48,889,000 | 6,712 |
| Average equity | $6,257,000 | 6,668 |
| Average total loans | $46,150,500 | 5,954 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2990% | 7,597 |
| Cost of funding earning assets | 3.0123% | 1,831 |
| Net interest margin | 2.2868% | 7,918 |
| Noninterest income to average assets | 0.4791% | 4,808 |
| Noninterest expense to average assets | 4.7129% | 756 |
| Loan and lease loss provision to assets | 1.4316% | 960 |
| Net operating income to assets | -2.1750% | 7,642 |
| Return on assets (ROA) | -2.1750% | 7,602 |
| Pretax return on assets | -3.5601% | 7,818 |
| Return on Equity (ROE) | -11.1778% | 7,358 |
| Retained earnings to average equity (ytd only) | -11.1778% | 7,172 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.3596% | 238 |
| Assets per employee ($millions) | 3.1045% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5643% | 2,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 86.1471% | 587 |
| Net loans and leases to deposits | 98.9914% | 1,985 |
| Net loans and leases to core deposits | 129.3835% | 1,902 |
| Total domestic deposits to total assets | 87.0249% | 1,925 |
| Equity capital to assets | 12.7698% | 1,881 |
| Core capital (leverage) ratio | 11.7192% | 2,116 |
| Tier 1 risk-based capital ratio | 12.4503% | 4,472 |
| Total risk-based capital ratio | 13.7050% | 4,369 |
| Memoranda: |
| Average total assets | $34,437,200 | 7,444 |
| Average earning assets | $31,703,800 | 7,424 |
| Average equity | $6,700,800 | 6,565 |
| Average total loans | $28,372,000 | 6,810 |
