Home > Access Bank > Performance and Condition Ratios
Access Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2882% | 1,512 |
| Cost of funding earning assets | 1.8229% | 1,212 |
| Net interest margin | 3.4654% | 2,266 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 2.5431% | 2,179 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0324% | 2,113 |
| Return on assets (ROA) | 1.0324% | 2,091 |
| Pretax return on assets | 1.2848% | 1,912 |
| Return on Equity (ROE) | 10.1400% | 2,462 |
| Retained earnings to average equity (ytd only) | 10.1385% | 981 |
| Net charge-offs to loans | 0.0425% | 1,473 |
| Credit loss provision to net charge-offs | 178.2456% | 1,325 |
| Earnings coverage of net charge-offs (x) | 43.0982% | 1,396 |
| Efficiency ratio | 65.3437% | 2,436 |
| Assets per employee ($millions) | 7.3238% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,186 |
| Loan loss allowance to noncurrent loans | 21,367.3469% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,772 |
| Noncurrent loans to loans | 0.0068% | 3,725 |
| Net loans and leases to total assets | 75.0100% | 1,243 |
| Net loans and leases to deposits | 93.4037% | 985 |
| Net loans and leases to core deposits | 104.6615% | 1,185 |
| Total domestic deposits to total assets | 80.3100% | 3,415 |
| Equity capital to assets | 10.7139% | 1,624 |
| Core capital (leverage) ratio | 10.6707% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1166% | 2,547 |
| Memoranda: | ||
| Average total assets | $937,779,200 | 1,044 |
| Average earning assets | $873,184,000 | 1,029 |
| Average equity | $95,497,000 | 980 |
| Average total loans | $671,112,600 | 1,000 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 1,467 |
| Cost of funding earning assets | 1.6656% | 1,246 |
| Net interest margin | 3.5275% | 2,152 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 2.5643% | 2,046 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.0507% | 2,216 |
| Return on assets (ROA) | 1.0507% | 2,205 |
| Pretax return on assets | 1.3066% | 2,024 |
| Return on Equity (ROE) | 10.4900% | 2,504 |
| Retained earnings to average equity (ytd only) | 10.4936% | 1,262 |
| Net charge-offs to loans | 0.0459% | 1,229 |
| Credit loss provision to net charge-offs | 155.9471% | 1,296 |
| Earnings coverage of net charge-offs (x) | 41.2335% | 1,429 |
| Efficiency ratio | 65.1289% | 2,375 |
| Assets per employee ($millions) | 7.3667% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,134 |
| Loan loss allowance to noncurrent loans | 8,503.2787% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,709 |
| Noncurrent loans to loans | 0.0175% | 3,654 |
| Net loans and leases to total assets | 75.0000% | 1,236 |
| Net loans and leases to deposits | 91.2919% | 1,116 |
| Net loans and leases to core deposits | 99.8448% | 1,323 |
| Total domestic deposits to total assets | 82.1500% | 3,185 |
| Equity capital to assets | 10.4580% | 1,570 |
| Core capital (leverage) ratio | 10.2762% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8790% | 2,646 |
| Memoranda: | ||
| Average total assets | $935,647,000 | 1,048 |
| Average earning assets | $871,988,250 | 1,031 |
| Average equity | $93,680,500 | 991 |
| Average total loans | $659,107,500 | 1,012 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 1,586 |
| Cost of funding earning assets | 1.4569% | 1,321 |
| Net interest margin | 3.5309% | 2,201 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.5513% | 2,064 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0027% | 2,408 |
| Return on assets (ROA) | 1.0027% | 2,405 |
| Pretax return on assets | 1.2419% | 2,247 |
| Return on Equity (ROE) | 10.1600% | 2,661 |
| Retained earnings to average equity (ytd only) | 10.1608% | 1,364 |
| Net charge-offs to loans | 0.0257% | 1,367 |
| Credit loss provision to net charge-offs | 315.6627% | 840 |
| Earnings coverage of net charge-offs (x) | 73.7108% | 1,091 |
| Efficiency ratio | 65.6271% | 2,300 |
| Assets per employee ($millions) | 7.5835% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,025 |
| Loan loss allowance to noncurrent loans | 8,341.6000% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,709 |
| Noncurrent loans to loans | 0.0186% | 3,628 |
| Net loans and leases to total assets | 70.2300% | 1,714 |
| Net loans and leases to deposits | 83.9429% | 1,673 |
| Net loans and leases to core deposits | 91.1285% | 1,730 |
| Total domestic deposits to total assets | 83.6600% | 2,901 |
| Equity capital to assets | 10.0397% | 1,832 |
| Core capital (leverage) ratio | 9.8912% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7758% | 2,687 |
| Memoranda: | ||
| Average total assets | $943,039,667 | 1,029 |
| Average earning assets | $880,222,333 | 1,018 |
| Average equity | $93,063,667 | 994 |
| Average total loans | $646,985,000 | 1,012 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 1,475 |
| Cost of funding earning assets | 1.1979% | 1,455 |
| Net interest margin | 3.6677% | 1,977 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.5748% | 2,028 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9890% | 2,564 |
| Return on assets (ROA) | 0.9890% | 2,529 |
| Pretax return on assets | 1.2457% | 2,313 |
| Return on Equity (ROE) | 10.1100% | 2,753 |
| Retained earnings to average equity (ytd only) | 10.1092% | 1,669 |
| Net charge-offs to loans | 0.0372% | 991 |
| Credit loss provision to net charge-offs | 222.0339% | 786 |
| Earnings coverage of net charge-offs (x) | 52.0678% | 1,092 |
| Efficiency ratio | 65.7742% | 2,233 |
| Assets per employee ($millions) | 7.4844% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 964 |
| Loan loss allowance to noncurrent loans | 35,582.7586% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 3,883 |
| Noncurrent loans to loans | 0.0046% | 3,818 |
| Net loans and leases to total assets | 66.2400% | 2,035 |
| Net loans and leases to deposits | 74.2901% | 2,277 |
| Net loans and leases to core deposits | 80.1542% | 2,245 |
| Total domestic deposits to total assets | 89.1700% | 1,478 |
| Equity capital to assets | 9.8725% | 1,888 |
| Core capital (leverage) ratio | 9.5137% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6137% | 2,828 |
| Memoranda: | ||
| Average total assets | $944,380,000 | 1,044 |
| Average earning assets | $882,843,000 | 1,034 |
| Average equity | $92,391,000 | 1,010 |
| Average total loans | $635,065,500 | 1,034 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 1,548 |
| Cost of funding earning assets | 0.3100% | 2,791 |
| Net interest margin | 3.7568% | 1,250 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.5520% | 1,963 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2224% | 1,694 |
| Return on assets (ROA) | 1.2224% | 1,646 |
| Pretax return on assets | 1.5200% | 1,395 |
| Return on Equity (ROE) | 12.5300% | 1,960 |
| Retained earnings to average equity (ytd only) | 10.8222% | 927 |
| Net charge-offs to loans | 0.2262% | 354 |
| Credit loss provision to net charge-offs | 52.5537% | 1,809 |
| Earnings coverage of net charge-offs (x) | 10.8586% | 2,175 |
| Efficiency ratio | 60.8760% | 2,930 |
| Assets per employee ($millions) | 7.4467% | 1,656 |
| Cash dividends to net income (ytd only)* | 13.6469% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 1,417 |
| Loan loss allowance to noncurrent loans | 2,767.2783% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 3,459 |
| Noncurrent loans to loans | 0.0515% | 3,392 |
| Net loans and leases to total assets | 66.2000% | 2,018 |
| Net loans and leases to deposits | 74.1313% | 2,248 |
| Net loans and leases to core deposits | 76.6699% | 2,375 |
| Total domestic deposits to total assets | 89.3000% | 1,633 |
| Equity capital to assets | 9.6942% | 1,889 |
| Core capital (leverage) ratio | 9.4672% | 3,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2739% | 2,926 |
| Memoranda: | ||
| Average total assets | $918,392,000 | 1,053 |
| Average earning assets | $860,402,400 | 1,045 |
| Average equity | $89,575,400 | 1,036 |
| Average total loans | $597,154,400 | 1,034 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5141% | 2,095 |
| Cost of funding earning assets | 0.1259% | 3,899 |
| Net interest margin | 3.3881% | 1,639 |
| Noninterest income to average assets | 0.6532% | 1,530 |
| Noninterest expense to average assets | 2.5057% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0808% | 1,854 |
| Return on assets (ROA) | 1.0808% | 1,831 |
| Pretax return on assets | 1.3300% | 1,644 |
| Return on Equity (ROE) | 10.9646% | 1,991 |
| Retained earnings to average equity (ytd only) | 10.1086% | 985 |
| Net charge-offs to loans | 0.0059% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 355.1176% | 353 |
| Efficiency ratio | 64.6373% | 2,688 |
| Assets per employee ($millions) | 6.9900% | 1,949 |
| Cash dividends to net income (ytd only)* | 7.8068% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 1,068 |
| Loan loss allowance to noncurrent loans | 3,090.4153% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,630 |
| Noncurrent loans to loans | 0.0531% | 3,552 |
| Net loans and leases to total assets | 65.2881% | 1,780 |
| Net loans and leases to deposits | 73.1696% | 1,945 |
| Net loans and leases to core deposits | 75.0276% | 2,091 |
| Total domestic deposits to total assets | 89.2284% | 2,074 |
| Equity capital to assets | 9.9692% | 1,733 |
| Core capital (leverage) ratio | 9.4649% | 2,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2246% | 2,744 |
| Memoranda: | ||
| Average total assets | $907,842,333 | 1,071 |
| Average earning assets | $852,737,333 | 1,064 |
| Average equity | $89,488,000 | 1,057 |
| Average total loans | $574,414,667 | 1,054 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2573% | 2,509 |
| Cost of funding earning assets | 0.1137% | 3,963 |
| Net interest margin | 3.1436% | 2,043 |
| Noninterest income to average assets | 0.5456% | 1,925 |
| Noninterest expense to average assets | 2.3846% | 2,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9291% | 2,158 |
| Return on assets (ROA) | 0.9291% | 2,152 |
| Pretax return on assets | 1.1260% | 2,063 |
| Return on Equity (ROE) | 9.4774% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.4774% | 1,151 |
| Net charge-offs to loans | 0.0056% | 1,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 323.0000% | 302 |
| Efficiency ratio | 67.1797% | 2,608 |
| Assets per employee ($millions) | 7.1949% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 1,081 |
| Loan loss allowance to noncurrent loans | 462.3209% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 2,284 |
| Noncurrent loans to loans | 0.3641% | 2,180 |
| Net loans and leases to total assets | 61.4034% | 1,927 |
| Net loans and leases to deposits | 69.4195% | 2,018 |
| Net loans and leases to core deposits | 71.3557% | 2,169 |
| Total domestic deposits to total assets | 88.4527% | 2,317 |
| Equity capital to assets | 9.7066% | 2,122 |
| Core capital (leverage) ratio | 8.9615% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7325% | 2,706 |
| Memoranda: | ||
| Average total assets | $917,901,500 | 1,064 |
| Average earning assets | $865,746,000 | 1,050 |
| Average equity | $89,982,500 | 1,086 |
| Average total loans | $566,996,500 | 1,059 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 2,254 |
| Cost of funding earning assets | 0.2020% | 3,444 |
| Net interest margin | 3.4473% | 1,886 |
| Noninterest income to average assets | 1.1139% | 842 |
| Noninterest expense to average assets | 2.7439% | 1,500 |
| Loan and lease loss provision to assets | 0.0767% | 1,584 |
| Net operating income to assets | 1.2503% | 1,742 |
| Return on assets (ROA) | 1.2503% | 1,801 |
| Pretax return on assets | 1.5597% | 1,544 |
| Return on Equity (ROE) | 12.1002% | 1,781 |
| Retained earnings to average equity (ytd only) | 8.5395% | 1,332 |
| Net charge-offs to loans | 0.0028% | 2,521 |
| Credit loss provision to net charge-offs | 4,062.5000% | 174 |
| Earnings coverage of net charge-offs (x) | 866.2500% | 172 |
| Efficiency ratio | 61.9963% | 2,869 |
| Assets per employee ($millions) | 7.4379% | 1,653 |
| Cash dividends to net income (ytd only)* | 29.4268% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 972 |
| Loan loss allowance to noncurrent loans | 3,018.3801% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,778 |
| Noncurrent loans to loans | 0.0574% | 3,665 |
| Net loans and leases to total assets | 60.0236% | 2,161 |
| Net loans and leases to deposits | 67.9175% | 2,319 |
| Net loans and leases to core deposits | 69.8158% | 2,466 |
| Total domestic deposits to total assets | 88.3772% | 1,841 |
| Equity capital to assets | 9.9002% | 2,751 |
| Core capital (leverage) ratio | 8.7091% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0358% | 2,621 |
| Memoranda: | ||
| Average total assets | $846,948,400 | 1,092 |
| Average earning assets | $802,510,200 | 1,087 |
| Average equity | $87,511,200 | 1,125 |
| Average total loans | $568,917,600 | 1,062 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 2,273 |
| Cost of funding earning assets | 0.2234% | 3,393 |
| Net interest margin | 3.4777% | 1,934 |
| Noninterest income to average assets | 1.2921% | 702 |
| Noninterest expense to average assets | 2.8855% | 1,157 |
| Loan and lease loss provision to assets | 0.0563% | 1,860 |
| Net operating income to assets | 1.3280% | 1,738 |
| Return on assets (ROA) | 1.3280% | 1,795 |
| Pretax return on assets | 1.6463% | 1,565 |
| Return on Equity (ROE) | 12.7065% | 1,795 |
| Retained earnings to average equity (ytd only) | 9.2744% | 1,587 |
| Net charge-offs to loans | 0.0028% | 2,256 |
| Credit loss provision to net charge-offs | 2,916.6667% | 245 |
| Earnings coverage of net charge-offs (x) | 883.1667% | 182 |
| Efficiency ratio | 62.2654% | 2,647 |
| Assets per employee ($millions) | 6.8667% | 1,960 |
| Cash dividends to net income (ytd only)* | 27.0110% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 1,197 |
| Loan loss allowance to noncurrent loans | 294.7897% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 1,961 |
| Noncurrent loans to loans | 0.5632% | 1,906 |
| Net loans and leases to total assets | 64.8161% | 1,672 |
| Net loans and leases to deposits | 75.3227% | 1,737 |
| Net loans and leases to core deposits | 77.6441% | 1,915 |
| Total domestic deposits to total assets | 86.0512% | 2,726 |
| Equity capital to assets | 10.4184% | 2,518 |
| Core capital (leverage) ratio | 9.1218% | 3,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9325% | 2,732 |
| Memoranda: | ||
| Average total assets | $829,971,000 | 1,129 |
| Average earning assets | $786,582,750 | 1,116 |
| Average equity | $86,745,750 | 1,148 |
| Average total loans | $571,442,000 | 1,077 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6987% | 2,334 |
| Cost of funding earning assets | 0.2411% | 3,362 |
| Net interest margin | 3.4576% | 1,981 |
| Noninterest income to average assets | 1.4605% | 570 |
| Noninterest expense to average assets | 2.8516% | 1,252 |
| Loan and lease loss provision to assets | 0.0609% | 1,819 |
| Net operating income to assets | 1.4696% | 1,375 |
| Return on assets (ROA) | 1.4696% | 1,436 |
| Pretax return on assets | 1.8232% | 1,181 |
| Return on Equity (ROE) | 14.0450% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.2605% | 860 |
| Net charge-offs to loans | 0.0042% | 2,006 |
| Credit loss provision to net charge-offs | 2,083.3333% | 281 |
| Earnings coverage of net charge-offs (x) | 644.1667% | 214 |
| Efficiency ratio | 59.5965% | 3,069 |
| Assets per employee ($millions) | 6.9697% | 1,831 |
| Cash dividends to net income (ytd only)* | 12.7053% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 1,189 |
| Loan loss allowance to noncurrent loans | 291.6824% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 2,117 |
| Noncurrent loans to loans | 0.5626% | 1,990 |
| Net loans and leases to total assets | 64.9755% | 1,832 |
| Net loans and leases to deposits | 75.3734% | 1,883 |
| Net loans and leases to core deposits | 77.9708% | 2,050 |
| Total domestic deposits to total assets | 86.2048% | 2,663 |
| Equity capital to assets | 10.3508% | 2,537 |
| Core capital (leverage) ratio | 9.5535% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0082% | 2,719 |
| Memoranda: | ||
| Average total assets | $820,515,333 | 1,128 |
| Average earning assets | $777,248,000 | 1,121 |
| Average equity | $85,852,667 | 1,153 |
| Average total loans | $573,345,000 | 1,079 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 2,250 |
| Cost of funding earning assets | 0.2721% | 3,248 |
| Net interest margin | 3.4739% | 1,902 |
| Noninterest income to average assets | 1.1534% | 919 |
| Noninterest expense to average assets | 2.8549% | 1,245 |
| Loan and lease loss provision to assets | 0.0748% | 1,691 |
| Net operating income to assets | 1.2257% | 2,055 |
| Return on assets (ROA) | 1.2257% | 2,135 |
| Pretax return on assets | 1.5085% | 1,969 |
| Return on Equity (ROE) | 11.6477% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.8328% | 1,700 |
| Net charge-offs to loans | 0.0014% | 1,888 |
| Credit loss provision to net charge-offs | 7,500.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 1,587.5000% | 51 |
| Efficiency ratio | 63.6517% | 2,511 |
| Assets per employee ($millions) | 6.7981% | 1,938 |
| Cash dividends to net income (ytd only)* | 15.5818% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 1,325 |
| Loan loss allowance to noncurrent loans | 310.4926% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 2,347 |
| Noncurrent loans to loans | 0.5117% | 2,326 |
| Net loans and leases to total assets | 69.8751% | 1,303 |
| Net loans and leases to deposits | 81.4438% | 1,378 |
| Net loans and leases to core deposits | 85.1579% | 1,580 |
| Total domestic deposits to total assets | 85.7954% | 2,816 |
| Equity capital to assets | 10.4927% | 2,280 |
| Core capital (leverage) ratio | 9.0458% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7488% | 2,753 |
| Memoranda: | ||
| Average total assets | $802,134,000 | 1,138 |
| Average earning assets | $758,446,500 | 1,128 |
| Average equity | $84,411,500 | 1,155 |
| Average total loans | $576,860,500 | 1,068 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,019 |
| Cost of funding earning assets | 0.4885% | 3,022 |
| Net interest margin | 3.7549% | 1,631 |
| Noninterest income to average assets | 1.1189% | 849 |
| Noninterest expense to average assets | 3.0356% | 1,360 |
| Loan and lease loss provision to assets | 0.2621% | 1,475 |
| Net operating income to assets | 1.1147% | 1,863 |
| Return on assets (ROA) | 1.1162% | 1,976 |
| Pretax return on assets | 1.3682% | 1,760 |
| Return on Equity (ROE) | 9.8601% | 2,054 |
| Retained earnings to average equity (ytd only) | 8.5539% | 895 |
| Net charge-offs to loans | 0.0074% | 3,071 |
| Credit loss provision to net charge-offs | 4,612.5000% | 234 |
| Earnings coverage of net charge-offs (x) | 286.6000% | 358 |
| Efficiency ratio | 64.1926% | 2,791 |
| Assets per employee ($millions) | 6.5709% | 1,873 |
| Cash dividends to net income (ytd only)* | 13.2476% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5762% | 1,365 |
| Loan loss allowance to noncurrent loans | 243.8072% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 2,147 |
| Noncurrent loans to loans | 0.6465% | 2,060 |
| Net loans and leases to total assets | 71.7114% | 1,325 |
| Net loans and leases to deposits | 83.9600% | 1,461 |
| Net loans and leases to core deposits | 89.6755% | 1,555 |
| Total domestic deposits to total assets | 85.4115% | 2,610 |
| Equity capital to assets | 10.5551% | 2,625 |
| Core capital (leverage) ratio | 9.3492% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4019% | 2,822 |
| Memoranda: | ||
| Average total assets | $703,979,000 | 1,175 |
| Average earning assets | $664,644,800 | 1,159 |
| Average equity | $79,695,000 | 1,165 |
| Average total loans | $541,893,200 | 1,071 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 1,535 |
| Cost of funding earning assets | 0.5294% | 3,052 |
| Net interest margin | 3.9848% | 1,144 |
| Noninterest income to average assets | 1.0821% | 887 |
| Noninterest expense to average assets | 3.0843% | 1,260 |
| Loan and lease loss provision to assets | 0.3251% | 1,202 |
| Net operating income to assets | 1.1704% | 1,741 |
| Return on assets (ROA) | 1.1725% | 1,859 |
| Pretax return on assets | 1.4363% | 1,613 |
| Return on Equity (ROE) | 10.1589% | 1,966 |
| Retained earnings to average equity (ytd only) | 9.0458% | 966 |
| Net charge-offs to loans | 0.0115% | 2,695 |
| Credit loss provision to net charge-offs | 3,619.5652% | 293 |
| Earnings coverage of net charge-offs (x) | 195.8261% | 501 |
| Efficiency ratio | 62.7439% | 2,952 |
| Assets per employee ($millions) | 6.4913% | 1,841 |
| Cash dividends to net income (ytd only)* | 10.9575% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,276 |
| Loan loss allowance to noncurrent loans | 238.3499% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 2,253 |
| Noncurrent loans to loans | 0.6453% | 2,176 |
| Net loans and leases to total assets | 74.1264% | 1,355 |
| Net loans and leases to deposits | 87.3647% | 1,552 |
| Net loans and leases to core deposits | 93.5088% | 1,674 |
| Total domestic deposits to total assets | 84.8472% | 2,498 |
| Equity capital to assets | 10.6685% | 2,652 |
| Core capital (leverage) ratio | 10.2968% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7028% | 2,723 |
| Memoranda: | ||
| Average total assets | $682,848,250 | 1,185 |
| Average earning assets | $644,498,000 | 1,167 |
| Average equity | $78,812,000 | 1,164 |
| Average total loans | $533,741,250 | 1,076 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,396 |
| Cost of funding earning assets | 0.5929% | 3,002 |
| Net interest margin | 4.1105% | 1,091 |
| Noninterest income to average assets | 0.9644% | 1,047 |
| Noninterest expense to average assets | 3.0897% | 1,377 |
| Loan and lease loss provision to assets | 0.4224% | 935 |
| Net operating income to assets | 1.0832% | 2,025 |
| Return on assets (ROA) | 1.0864% | 2,136 |
| Pretax return on assets | 1.3341% | 1,921 |
| Return on Equity (ROE) | 9.1517% | 2,294 |
| Retained earnings to average equity (ytd only) | 8.4452% | 1,177 |
| Net charge-offs to loans | 0.0165% | 2,400 |
| Credit loss provision to net charge-offs | 3,220.9302% | 342 |
| Earnings coverage of net charge-offs (x) | 133.6279% | 575 |
| Efficiency ratio | 63.0511% | 2,946 |
| Assets per employee ($millions) | 5.8437% | 2,326 |
| Cash dividends to net income (ytd only)* | 7.7204% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,320 |
| Loan loss allowance to noncurrent loans | 653.3840% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 3,587 |
| Noncurrent loans to loans | 0.2268% | 3,566 |
| Net loans and leases to total assets | 82.1292% | 402 |
| Net loans and leases to deposits | 97.7701% | 672 |
| Net loans and leases to core deposits | 101.9487% | 1,118 |
| Total domestic deposits to total assets | 84.0024% | 2,743 |
| Equity capital to assets | 11.4624% | 1,997 |
| Core capital (leverage) ratio | 10.0442% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3344% | 2,876 |
| Memoranda: | ||
| Average total assets | $655,722,667 | 1,202 |
| Average earning assets | $618,609,000 | 1,193 |
| Average equity | $77,843,333 | 1,165 |
| Average total loans | $520,018,667 | 1,082 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,840 |
| Cost of funding earning assets | 0.6611% | 3,108 |
| Net interest margin | 3.9920% | 1,410 |
| Noninterest income to average assets | 0.8310% | 1,223 |
| Noninterest expense to average assets | 3.0678% | 1,722 |
| Loan and lease loss provision to assets | 0.1447% | 1,946 |
| Net operating income to assets | 1.1304% | 1,750 |
| Return on assets (ROA) | 1.1304% | 1,854 |
| Pretax return on assets | 1.3826% | 1,618 |
| Return on Equity (ROE) | 9.3459% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.3459% | 886 |
| Net charge-offs to loans | 0.0016% | 2,539 |
| Credit loss provision to net charge-offs | 11,500.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 1,214.0000% | 42 |
| Efficiency ratio | 65.9411% | 2,972 |
| Assets per employee ($millions) | 5.4236% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 1,367 |
| Loan loss allowance to noncurrent loans | 568.6692% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 3,620 |
| Noncurrent loans to loans | 0.2627% | 3,555 |
| Net loans and leases to total assets | 80.4601% | 644 |
| Net loans and leases to deposits | 96.2072% | 886 |
| Net loans and leases to core deposits | 100.7179% | 1,419 |
| Total domestic deposits to total assets | 83.6321% | 2,912 |
| Equity capital to assets | 12.7686% | 1,571 |
| Core capital (leverage) ratio | 11.1741% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2198% | 3,034 |
| Memoranda: | ||
| Average total assets | $635,886,000 | 1,203 |
| Average earning assets | $599,596,000 | 1,187 |
| Average equity | $76,910,500 | 1,178 |
| Average total loans | $490,170,500 | 1,110 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 1,707 |
| Cost of funding earning assets | 0.8006% | 2,680 |
| Net interest margin | 4.1160% | 1,495 |
| Noninterest income to average assets | 0.9046% | 1,171 |
| Noninterest expense to average assets | 3.1915% | 1,542 |
| Loan and lease loss provision to assets | 0.1459% | 1,467 |
| Net operating income to assets | 1.1406% | 2,290 |
| Return on assets (ROA) | 1.1409% | 2,390 |
| Pretax return on assets | 1.4111% | 2,116 |
| Return on Equity (ROE) | 9.3761% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.8223% | 757 |
| Net charge-offs to loans | -0.1013% | 4,957 |
| Credit loss provision to net charge-offs | -183.7953% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3624% | 2,714 |
| Assets per employee ($millions) | 6.0450% | 1,602 |
| Cash dividends to net income (ytd only)* | 5.9059% | 3,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 1,190 |
| Loan loss allowance to noncurrent loans | 339.4195% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 3,124 |
| Noncurrent loans to loans | 0.4452% | 2,846 |
| Net loans and leases to total assets | 71.7098% | 2,132 |
| Net loans and leases to deposits | 82.8538% | 2,465 |
| Net loans and leases to core deposits | 87.4743% | 2,660 |
| Total domestic deposits to total assets | 86.5498% | 1,826 |
| Equity capital to assets | 11.4685% | 2,556 |
| Core capital (leverage) ratio | 10.2548% | 3,238 |
| Tier 1 risk-based capital ratio | 11.1909% | 4,779 |
| Total risk-based capital ratio | 12.4411% | 4,675 |
| Memoranda: | ||
| Average total assets | $590,664,000 | 1,235 |
| Average earning assets | $551,576,400 | 1,231 |
| Average equity | $71,874,600 | 1,198 |
| Average total loans | $462,786,600 | 1,140 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 1,519 |
| Cost of funding earning assets | 0.8064% | 2,683 |
| Net interest margin | 4.1995% | 1,380 |
| Noninterest income to average assets | 0.8933% | 1,157 |
| Noninterest expense to average assets | 3.2305% | 1,410 |
| Loan and lease loss provision to assets | 0.1285% | 1,507 |
| Net operating income to assets | 1.1670% | 2,311 |
| Return on assets (ROA) | 1.1673% | 2,395 |
| Pretax return on assets | 1.4421% | 2,146 |
| Return on Equity (ROE) | 9.4372% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.6893% | 1,136 |
| Net charge-offs to loans | -0.1108% | 5,008 |
| Credit loss provision to net charge-offs | -145.1444% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4262% | 2,671 |
| Assets per employee ($millions) | 5.8526% | 1,715 |
| Cash dividends to net income (ytd only)* | 7.9251% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 1,383 |
| Loan loss allowance to noncurrent loans | 2,045.6716% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,448 |
| Noncurrent loans to loans | 0.0711% | 4,315 |
| Net loans and leases to total assets | 72.7991% | 2,036 |
| Net loans and leases to deposits | 84.1928% | 2,433 |
| Net loans and leases to core deposits | 92.2551% | 2,341 |
| Total domestic deposits to total assets | 86.4671% | 1,786 |
| Equity capital to assets | 11.5632% | 2,618 |
| Core capital (leverage) ratio | 10.9843% | 2,657 |
| Tier 1 risk-based capital ratio | 11.0847% | 4,870 |
| Total risk-based capital ratio | 12.3061% | 4,776 |
| Memoranda: | ||
| Average total assets | $573,603,250 | 1,273 |
| Average earning assets | $533,706,250 | 1,271 |
| Average equity | $70,951,500 | 1,205 |
| Average total loans | $458,545,500 | 1,153 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1248% | 1,160 |
| Cost of funding earning assets | 0.7915% | 2,687 |
| Net interest margin | 4.3334% | 1,076 |
| Noninterest income to average assets | 0.8233% | 1,271 |
| Noninterest expense to average assets | 3.3331% | 1,225 |
| Loan and lease loss provision to assets | 0.1358% | 1,368 |
| Net operating income to assets | 1.1254% | 2,425 |
| Return on assets (ROA) | 1.1254% | 2,497 |
| Pretax return on assets | 1.3862% | 2,245 |
| Return on Equity (ROE) | 8.8755% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.7385% | 1,502 |
| Net charge-offs to loans | -0.1673% | 5,101 |
| Credit loss provision to net charge-offs | -98.6842% | 3,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7559% | 2,576 |
| Assets per employee ($millions) | 5.3000% | 2,152 |
| Cash dividends to net income (ytd only)* | 12.8098% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 1,501 |
| Loan loss allowance to noncurrent loans | 1,940.4070% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 4,459 |
| Noncurrent loans to loans | 0.0736% | 4,346 |
| Net loans and leases to total assets | 79.7378% | 926 |
| Net loans and leases to deposits | 93.2674% | 1,343 |
| Net loans and leases to core deposits | 98.2598% | 1,873 |
| Total domestic deposits to total assets | 85.4937% | 2,266 |
| Equity capital to assets | 12.4191% | 1,904 |
| Core capital (leverage) ratio | 11.2522% | 2,376 |
| Tier 1 risk-based capital ratio | 10.8455% | 4,976 |
| Total risk-based capital ratio | 12.0482% | 4,904 |
| Memoranda: | ||
| Average total assets | $552,159,330 | 1,310 |
| Average earning assets | $513,735,000 | 1,309 |
| Average equity | $70,013,330 | 1,211 |
| Average total loans | $454,306,000 | 1,158 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 994 |
| Cost of funding earning assets | 0.7561% | 2,761 |
| Net interest margin | 4.3972% | 916 |
| Noninterest income to average assets | 0.7008% | 1,614 |
| Noninterest expense to average assets | 3.4261% | 1,074 |
| Loan and lease loss provision to assets | 0.1298% | 1,347 |
| Net operating income to assets | 1.0338% | 2,729 |
| Return on assets (ROA) | 1.0338% | 2,768 |
| Pretax return on assets | 1.2332% | 2,689 |
| Return on Equity (ROE) | 8.0639% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.0639% | 1,633 |
| Net charge-offs to loans | -0.1563% | 5,129 |
| Credit loss provision to net charge-offs | -100.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6101% | 2,250 |
| Assets per employee ($millions) | 4.9165% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 1,742 |
| Loan loss allowance to noncurrent loans | 1,770.9040% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 4,496 |
| Noncurrent loans to loans | 0.0781% | 4,412 |
| Net loans and leases to total assets | 81.9038% | 598 |
| Net loans and leases to deposits | 95.8805% | 979 |
| Net loans and leases to core deposits | 105.1046% | 1,235 |
| Total domestic deposits to total assets | 85.4228% | 2,516 |
| Equity capital to assets | 12.8478% | 1,542 |
| Core capital (leverage) ratio | 11.2486% | 2,342 |
| Tier 1 risk-based capital ratio | 11.0439% | 4,958 |
| Total risk-based capital ratio | 12.2216% | 4,894 |
| Memoranda: | ||
| Average total assets | $539,389,000 | 1,340 |
| Average earning assets | $501,498,000 | 1,340 |
| Average equity | $69,147,500 | 1,223 |
| Average total loans | $447,799,000 | 1,177 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 1,163 |
| Cost of funding earning assets | 0.5256% | 3,204 |
| Net interest margin | 4.4219% | 890 |
| Noninterest income to average assets | 0.7275% | 1,746 |
| Noninterest expense to average assets | 3.2373% | 1,459 |
| Loan and lease loss provision to assets | 0.2856% | 570 |
| Net operating income to assets | 1.0490% | 2,808 |
| Return on assets (ROA) | 1.0490% | 2,793 |
| Pretax return on assets | 1.3062% | 2,475 |
| Return on Equity (ROE) | 8.2968% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.7351% | 1,792 |
| Net charge-offs to loans | 0.0937% | 1,829 |
| Credit loss provision to net charge-offs | 372.5000% | 863 |
| Earnings coverage of net charge-offs (x) | 20.7600% | 1,977 |
| Efficiency ratio | 66.0871% | 2,863 |
| Assets per employee ($millions) | 4.7173% | 2,848 |
| Cash dividends to net income (ytd only)* | 18.8231% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 1,878 |
| Loan loss allowance to noncurrent loans | 846.9242% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 4,167 |
| Noncurrent loans to loans | 0.1580% | 4,031 |
| Net loans and leases to total assets | 81.8754% | 668 |
| Net loans and leases to deposits | 100.5275% | 705 |
| Net loans and leases to core deposits | 108.7943% | 1,067 |
| Total domestic deposits to total assets | 81.4458% | 3,798 |
| Equity capital to assets | 12.7907% | 1,444 |
| Core capital (leverage) ratio | 10.4727% | 3,063 |
| Tier 1 risk-based capital ratio | 11.1587% | 4,885 |
| Total risk-based capital ratio | 12.3147% | 4,838 |
| Memoranda: | ||
| Average total assets | $521,646,000 | 1,350 |
| Average earning assets | $483,867,000 | 1,354 |
| Average equity | $65,952,800 | 1,223 |
| Average total loans | $426,750,200 | 1,187 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 1,279 |
| Cost of funding earning assets | 0.4965% | 3,216 |
| Net interest margin | 4.3630% | 985 |
| Noninterest income to average assets | 0.7014% | 1,856 |
| Noninterest expense to average assets | 3.2415% | 1,431 |
| Loan and lease loss provision to assets | 0.2069% | 820 |
| Net operating income to assets | 1.0421% | 2,904 |
| Return on assets (ROA) | 1.0421% | 2,917 |
| Pretax return on assets | 1.3002% | 2,631 |
| Return on Equity (ROE) | 8.2674% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.3234% | 1,961 |
| Net charge-offs to loans | 0.0073% | 3,163 |
| Credit loss provision to net charge-offs | 3,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 254.9224% | 362 |
| Efficiency ratio | 67.2945% | 2,665 |
| Assets per employee ($millions) | 4.6670% | 2,887 |
| Cash dividends to net income (ytd only)* | 11.4180% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 1,965 |
| Loan loss allowance to noncurrent loans | 489.6161% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 3,858 |
| Noncurrent loans to loans | 0.2716% | 3,713 |
| Net loans and leases to total assets | 78.9543% | 1,177 |
| Net loans and leases to deposits | 92.6451% | 1,542 |
| Net loans and leases to core deposits | 102.6843% | 1,547 |
| Total domestic deposits to total assets | 85.2223% | 2,519 |
| Equity capital to assets | 12.7236% | 1,455 |
| Core capital (leverage) ratio | 11.0380% | 2,547 |
| Tier 1 risk-based capital ratio | 11.3608% | 4,868 |
| Total risk-based capital ratio | 12.4947% | 4,820 |
| Memoranda: | ||
| Average total assets | $518,795,000 | 1,362 |
| Average earning assets | $481,248,000 | 1,368 |
| Average equity | $65,395,750 | 1,228 |
| Average total loans | $422,848,500 | 1,203 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7855% | 1,289 |
| Cost of funding earning assets | 0.4600% | 3,285 |
| Net interest margin | 4.3255% | 990 |
| Noninterest income to average assets | 0.6908% | 1,911 |
| Noninterest expense to average assets | 3.1985% | 1,537 |
| Loan and lease loss provision to assets | 0.1977% | 871 |
| Net operating income to assets | 1.0439% | 2,833 |
| Return on assets (ROA) | 1.0439% | 2,830 |
| Pretax return on assets | 1.3044% | 2,491 |
| Return on Equity (ROE) | 8.3082% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.3611% | 1,895 |
| Net charge-offs to loans | 0.0052% | 2,982 |
| Credit loss provision to net charge-offs | 4,636.3636% | 85 |
| Earnings coverage of net charge-offs (x) | 352.2727% | 259 |
| Efficiency ratio | 67.0543% | 2,812 |
| Assets per employee ($millions) | 4.5661% | 3,022 |
| Cash dividends to net income (ytd only)* | 11.3999% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,554 |
| Loan loss allowance to noncurrent loans | 1,098.7629% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 4,540 |
| Noncurrent loans to loans | 0.1119% | 4,405 |
| Net loans and leases to total assets | 83.6987% | 491 |
| Net loans and leases to deposits | 98.3602% | 943 |
| Net loans and leases to core deposits | 109.4595% | 1,037 |
| Total domestic deposits to total assets | 85.0941% | 2,635 |
| Equity capital to assets | 12.9018% | 1,348 |
| Core capital (leverage) ratio | 11.1012% | 2,439 |
| Tier 1 risk-based capital ratio | 11.1139% | 4,993 |
| Total risk-based capital ratio | 12.1920% | 4,973 |
| Memoranda: | ||
| Average total assets | $515,934,670 | 1,372 |
| Average earning assets | $478,280,000 | 1,379 |
| Average equity | $64,827,330 | 1,237 |
| Average total loans | $423,132,330 | 1,205 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6495% | 1,441 |
| Cost of funding earning assets | 0.4138% | 3,490 |
| Net interest margin | 4.2358% | 1,092 |
| Noninterest income to average assets | 0.5372% | 2,596 |
| Noninterest expense to average assets | 3.1609% | 1,663 |
| Loan and lease loss provision to assets | 0.0849% | 2,104 |
| Net operating income to assets | 0.9826% | 2,923 |
| Return on assets (ROA) | 0.9826% | 2,956 |
| Pretax return on assets | 1.2188% | 2,681 |
| Return on Equity (ROE) | 7.9252% | 3,408 |
| Retained earnings to average equity (ytd only) | 6.9727% | 2,291 |
| Net charge-offs to loans | -0.0220% | 4,606 |
| Credit loss provision to net charge-offs | -478.2609% | 3,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7614% | 2,522 |
| Assets per employee ($millions) | 4.7255% | 2,820 |
| Cash dividends to net income (ytd only)* | 12.0189% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,788 |
| Loan loss allowance to noncurrent loans | 1,146.1894% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 4,666 |
| Noncurrent loans to loans | 0.1049% | 4,503 |
| Net loans and leases to total assets | 79.8718% | 953 |
| Net loans and leases to deposits | 99.3723% | 757 |
| Net loans and leases to core deposits | 110.2645% | 990 |
| Total domestic deposits to total assets | 80.3764% | 4,349 |
| Equity capital to assets | 12.6849% | 1,389 |
| Core capital (leverage) ratio | 10.8817% | 2,555 |
| Tier 1 risk-based capital ratio | 11.3802% | 4,935 |
| Total risk-based capital ratio | 12.4345% | 4,934 |
| Memoranda: | ||
| Average total assets | $518,201,000 | 1,377 |
| Average earning assets | $480,477,000 | 1,383 |
| Average equity | $64,251,000 | 1,257 |
| Average total loans | $418,015,500 | 1,219 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 1,487 |
| Cost of funding earning assets | 0.4254% | 2,998 |
| Net interest margin | 4.1544% | 1,290 |
| Noninterest income to average assets | 0.5919% | 2,488 |
| Noninterest expense to average assets | 3.0988% | 1,864 |
| Loan and lease loss provision to assets | 0.3207% | 527 |
| Net operating income to assets | 0.5651% | 4,167 |
| Return on assets (ROA) | 0.5645% | 4,200 |
| Pretax return on assets | 1.0564% | 3,358 |
| Return on Equity (ROE) | 4.7811% | 4,254 |
| Retained earnings to average equity (ytd only) | 2.5809% | 3,775 |
| Net charge-offs to loans | 0.0656% | 2,537 |
| Credit loss provision to net charge-offs | 623.1441% | 515 |
| Earnings coverage of net charge-offs (x) | 26.7773% | 1,660 |
| Efficiency ratio | 68.4203% | 2,815 |
| Assets per employee ($millions) | 4.7392% | 2,812 |
| Cash dividends to net income (ytd only)* | 46.0191% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 3,115 |
| Loan loss allowance to noncurrent loans | 1,166.4251% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 4,726 |
| Noncurrent loans to loans | 0.0978% | 4,555 |
| Net loans and leases to total assets | 79.5764% | 1,020 |
| Net loans and leases to deposits | 94.3268% | 1,238 |
| Net loans and leases to core deposits | 105.1876% | 1,331 |
| Total domestic deposits to total assets | 84.3625% | 3,079 |
| Equity capital to assets | 12.1213% | 1,751 |
| Core capital (leverage) ratio | 10.3667% | 2,997 |
| Tier 1 risk-based capital ratio | 11.2227% | 5,027 |
| Total risk-based capital ratio | 12.2496% | 5,029 |
| Memoranda: | ||
| Average total assets | $444,982,400 | 1,561 |
| Average earning assets | $416,116,400 | 1,543 |
| Average equity | $52,540,000 | 1,465 |
| Average total loans | $348,979,000 | 1,379 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5188% | 1,591 |
| Cost of funding earning assets | 0.4359% | 2,851 |
| Net interest margin | 4.0829% | 1,434 |
| Noninterest income to average assets | 0.6109% | 2,419 |
| Noninterest expense to average assets | 3.0391% | 2,002 |
| Loan and lease loss provision to assets | 0.2643% | 633 |
| Net operating income to assets | 0.7627% | 3,680 |
| Return on assets (ROA) | 0.7619% | 3,747 |
| Pretax return on assets | 1.1320% | 3,177 |
| Return on Equity (ROE) | 6.5065% | 3,909 |
| Retained earnings to average equity (ytd only) | 3.8256% | 3,640 |
| Net charge-offs to loans | 0.0012% | 3,741 |
| Credit loss provision to net charge-offs | 28,066.6667% | 14 |
| Earnings coverage of net charge-offs (x) | 1,483.9625% | 62 |
| Efficiency ratio | 67.7917% | 2,915 |
| Assets per employee ($millions) | 4.9703% | 2,487 |
| Cash dividends to net income (ytd only)* | 41.2031% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,284 |
| Loan loss allowance to noncurrent loans | 777.3913% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,710 |
| Noncurrent loans to loans | 0.1459% | 4,471 |
| Net loans and leases to total assets | 72.5962% | 2,165 |
| Net loans and leases to deposits | 85.6917% | 2,338 |
| Net loans and leases to core deposits | 96.0836% | 2,063 |
| Total domestic deposits to total assets | 84.7179% | 2,829 |
| Equity capital to assets | 11.9013% | 2,031 |
| Core capital (leverage) ratio | 10.2303% | 3,281 |
| Tier 1 risk-based capital ratio | 12.0110% | 4,609 |
| Total risk-based capital ratio | 13.0285% | 4,650 |
| Memoranda: | ||
| Average total assets | $424,716,000 | 1,630 |
| Average earning assets | $397,971,500 | 1,614 |
| Average equity | $49,734,000 | 1,537 |
| Average total loans | $330,364,000 | 1,457 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 1,602 |
| Cost of funding earning assets | 0.4497% | 2,605 |
| Net interest margin | 4.0196% | 1,546 |
| Noninterest income to average assets | 0.5468% | 2,736 |
| Noninterest expense to average assets | 2.9069% | 2,402 |
| Loan and lease loss provision to assets | 0.3057% | 491 |
| Net operating income to assets | 0.7532% | 3,629 |
| Return on assets (ROA) | 0.7518% | 3,688 |
| Pretax return on assets | 1.1070% | 3,147 |
| Return on Equity (ROE) | 6.4687% | 3,842 |
| Retained earnings to average equity (ytd only) | 2.0259% | 4,446 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7861% | 3,211 |
| Assets per employee ($millions) | 4.8960% | 2,516 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,876 |
| Loan loss allowance to noncurrent loans | 2,080.2956% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 5,092 |
| Noncurrent loans to loans | 0.0502% | 4,939 |
| Net loans and leases to total assets | 77.7744% | 1,277 |
| Net loans and leases to deposits | 92.3446% | 1,448 |
| Net loans and leases to core deposits | 106.1908% | 1,220 |
| Total domestic deposits to total assets | 84.2220% | 3,119 |
| Equity capital to assets | 12.2291% | 1,773 |
| Core capital (leverage) ratio | 10.5094% | 2,902 |
| Tier 1 risk-based capital ratio | 11.6215% | 4,881 |
| Total risk-based capital ratio | 12.5710% | 4,961 |
| Memoranda: | ||
| Average total assets | $387,358,000 | 1,770 |
| Average earning assets | $363,770,330 | 1,748 |
| Average equity | $45,017,000 | 1,680 |
| Average total loans | $309,099,000 | 1,532 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 1,588 |
| Cost of funding earning assets | 0.4781% | 2,260 |
| Net interest margin | 3.9409% | 1,641 |
| Noninterest income to average assets | 0.4617% | 3,241 |
| Noninterest expense to average assets | 2.8864% | 2,501 |
| Loan and lease loss provision to assets | 0.2333% | 659 |
| Net operating income to assets | 0.7343% | 3,538 |
| Return on assets (ROA) | 0.7309% | 3,606 |
| Pretax return on assets | 1.0617% | 3,124 |
| Return on Equity (ROE) | 6.5610% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.5610% | 2,048 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9472% | 3,056 |
| Assets per employee ($millions) | 5.2404% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.8105% | 719 |
| Net loans and leases to deposits | 98.0766% | 765 |
| Net loans and leases to core deposits | 122.8105% | 393 |
| Total domestic deposits to total assets | 82.3953% | 4,061 |
| Equity capital to assets | 11.2324% | 2,406 |
| Core capital (leverage) ratio | 11.1911% | 2,193 |
| Tier 1 risk-based capital ratio | 11.7224% | 4,899 |
| Total risk-based capital ratio | 12.9541% | 4,807 |
| Memoranda: | ||
| Average total assets | $323,999,500 | 2,074 |
| Average earning assets | $306,221,500 | 2,043 |
| Average equity | $36,092,000 | 2,026 |
| Average total loans | $261,627,500 | 1,765 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2249% | 2,405 |
| Cost of funding earning assets | 0.4582% | 2,461 |
| Net interest margin | 3.7666% | 2,445 |
| Noninterest income to average assets | 0.4514% | 3,534 |
| Noninterest expense to average assets | 2.8721% | 2,778 |
| Loan and lease loss provision to assets | 0.2376% | 903 |
| Net operating income to assets | 0.6349% | 4,071 |
| Return on assets (ROA) | 0.6360% | 4,176 |
| Pretax return on assets | 0.9094% | 3,818 |
| Return on Equity (ROE) | 5.5126% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.5126% | 2,005 |
| Net charge-offs to loans | 0.0286% | 3,450 |
| Credit loss provision to net charge-offs | 1,104.6154% | 354 |
| Earnings coverage of net charge-offs (x) | 53.2462% | 972 |
| Efficiency ratio | 71.4909% | 2,670 |
| Assets per employee ($millions) | 5.1284% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 2,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.3817% | 1,149 |
| Net loans and leases to deposits | 98.2884% | 800 |
| Net loans and leases to core deposits | 112.3312% | 766 |
| Total domestic deposits to total assets | 79.7466% | 4,620 |
| Equity capital to assets | 11.0461% | 2,595 |
| Core capital (leverage) ratio | 11.2898% | 2,091 |
| Tier 1 risk-based capital ratio | 12.1784% | 4,596 |
| Total risk-based capital ratio | 13.4100% | 4,486 |
| Memoranda: | ||
| Average total assets | $302,183,200 | 2,155 |
| Average earning assets | $286,092,200 | 2,121 |
| Average equity | $34,865,400 | 2,085 |
| Average total loans | $227,558,800 | 1,928 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 2,526 |
| Cost of funding earning assets | 0.4659% | 2,414 |
| Net interest margin | 3.7314% | 2,586 |
| Noninterest income to average assets | 0.4095% | 3,851 |
| Noninterest expense to average assets | 2.9350% | 2,520 |
| Loan and lease loss provision to assets | 0.2124% | 991 |
| Net operating income to assets | 0.5838% | 4,356 |
| Return on assets (ROA) | 0.5855% | 4,463 |
| Pretax return on assets | 0.7992% | 4,314 |
| Return on Equity (ROE) | 5.0163% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.0163% | 2,813 |
| Net charge-offs to loans | 0.0339% | 2,957 |
| Credit loss provision to net charge-offs | 844.6429% | 475 |
| Earnings coverage of net charge-offs (x) | 40.1455% | 1,245 |
| Efficiency ratio | 74.4109% | 2,201 |
| Assets per employee ($millions) | 4.9463% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4258% | 2,079 |
| Loan loss allowance to noncurrent loans | 22,633.3333% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 5,525 |
| Noncurrent loans to loans | 0.0063% | 5,392 |
| Net loans and leases to total assets | 74.1438% | 1,852 |
| Net loans and leases to deposits | 91.1288% | 1,616 |
| Net loans and leases to core deposits | 105.5525% | 1,225 |
| Total domestic deposits to total assets | 81.3615% | 4,145 |
| Equity capital to assets | 11.2343% | 2,756 |
| Core capital (leverage) ratio | 11.1279% | 2,334 |
| Tier 1 risk-based capital ratio | 13.0903% | 4,106 |
| Total risk-based capital ratio | 14.3402% | 4,016 |
| Memoranda: | ||
| Average total assets | $296,956,000 | 2,187 |
| Average earning assets | $281,317,250 | 2,153 |
| Average equity | $34,659,500 | 2,104 |
| Average total loans | $220,229,500 | 1,977 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 2,467 |
| Cost of funding earning assets | 0.4637% | 2,441 |
| Net interest margin | 3.7509% | 2,512 |
| Noninterest income to average assets | 0.3271% | 4,441 |
| Noninterest expense to average assets | 2.9667% | 2,458 |
| Loan and lease loss provision to assets | 0.2279% | 900 |
| Net operating income to assets | 0.5233% | 4,593 |
| Return on assets (ROA) | 0.5275% | 4,692 |
| Pretax return on assets | 0.6921% | 4,643 |
| Return on Equity (ROE) | 4.4589% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.4589% | 3,076 |
| Net charge-offs to loans | 0.0327% | 2,800 |
| Credit loss provision to net charge-offs | 945.7143% | 394 |
| Earnings coverage of net charge-offs (x) | 37.9429% | 1,192 |
| Efficiency ratio | 76.4372% | 2,018 |
| Assets per employee ($millions) | 4.7209% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 2,189 |
| Loan loss allowance to noncurrent loans | 21,826.6667% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 5,619 |
| Noncurrent loans to loans | 0.0065% | 5,487 |
| Net loans and leases to total assets | 76.1393% | 1,471 |
| Net loans and leases to deposits | 96.8265% | 982 |
| Net loans and leases to core deposits | 113.3955% | 750 |
| Total domestic deposits to total assets | 78.6348% | 4,868 |
| Equity capital to assets | 11.7367% | 2,320 |
| Core capital (leverage) ratio | 12.0426% | 1,601 |
| Tier 1 risk-based capital ratio | 13.6078% | 3,830 |
| Total risk-based capital ratio | 14.8579% | 3,754 |
| Memoranda: | ||
| Average total assets | $290,419,330 | 2,244 |
| Average earning assets | $275,188,330 | 2,204 |
| Average equity | $34,358,000 | 2,129 |
| Average total loans | $214,269,670 | 2,020 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0943% | 2,863 |
| Cost of funding earning assets | 0.4321% | 2,753 |
| Net interest margin | 3.6622% | 2,838 |
| Noninterest income to average assets | 0.2579% | 4,887 |
| Noninterest expense to average assets | 3.0015% | 2,385 |
| Loan and lease loss provision to assets | 0.2105% | 922 |
| Net operating income to assets | 0.4545% | 4,810 |
| Return on assets (ROA) | 0.4545% | 4,895 |
| Pretax return on assets | 0.5200% | 5,031 |
| Return on Equity (ROE) | 3.8259% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.8259% | 3,581 |
| Net charge-offs to loans | 0.0155% | 2,626 |
| Credit loss provision to net charge-offs | 1,887.5000% | 221 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 732 |
| Efficiency ratio | 80.4258% | 1,556 |
| Assets per employee ($millions) | 4.5250% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 2,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 74.5733% | 1,633 |
| Net loans and leases to deposits | 90.5567% | 1,508 |
| Net loans and leases to core deposits | 100.1441% | 1,475 |
| Total domestic deposits to total assets | 82.3499% | 4,103 |
| Equity capital to assets | 12.2350% | 1,868 |
| Core capital (leverage) ratio | 12.4429% | 1,359 |
| Tier 1 risk-based capital ratio | 14.5031% | 3,395 |
| Total risk-based capital ratio | 15.7535% | 3,329 |
| Memoranda: | ||
| Average total assets | $286,920,000 | 2,264 |
| Average earning assets | $272,184,500 | 2,225 |
| Average equity | $34,083,500 | 2,139 |
| Average total loans | $206,541,500 | 2,086 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 2,007 |
| Cost of funding earning assets | 0.5010% | 2,145 |
| Net interest margin | 3.8658% | 2,144 |
| Noninterest income to average assets | 0.3807% | 4,181 |
| Noninterest expense to average assets | 2.9465% | 2,712 |
| Loan and lease loss provision to assets | 0.0939% | 2,437 |
| Net operating income to assets | 0.6980% | 3,821 |
| Return on assets (ROA) | 0.7055% | 3,890 |
| Pretax return on assets | 1.0066% | 3,446 |
| Return on Equity (ROE) | 7.2539% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.2539% | 1,177 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0003% | 2,748 |
| Assets per employee ($millions) | 4.8081% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 2,093 |
| Loan loss allowance to noncurrent loans | 8,272.2222% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 5,211 |
| Noncurrent loans to loans | 0.0179% | 5,449 |
| Net loans and leases to total assets | 67.4311% | 2,795 |
| Net loans and leases to deposits | 78.6043% | 2,987 |
| Net loans and leases to core deposits | 86.5325% | 2,752 |
| Total domestic deposits to total assets | 85.7855% | 2,738 |
| Equity capital to assets | 11.5387% | 2,328 |
| Core capital (leverage) ratio | 12.3147% | 1,446 |
| Tier 1 risk-based capital ratio | 15.4092% | 2,982 |
| Total risk-based capital ratio | 16.6601% | 2,915 |
| Memoranda: | ||
| Average total assets | $252,433,200 | 2,485 |
| Average earning assets | $238,706,000 | 2,439 |
| Average equity | $24,552,400 | 2,732 |
| Average total loans | $194,121,400 | 2,130 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 1,458 |
| Cost of funding earning assets | 0.5225% | 2,020 |
| Net interest margin | 4.0261% | 1,618 |
| Noninterest income to average assets | 0.4079% | 4,023 |
| Noninterest expense to average assets | 2.9983% | 2,533 |
| Loan and lease loss provision to assets | 0.0853% | 2,459 |
| Net operating income to assets | 0.7832% | 3,505 |
| Return on assets (ROA) | 0.7932% | 3,550 |
| Pretax return on assets | 1.1389% | 3,056 |
| Return on Equity (ROE) | 8.6428% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.6428% | 1,023 |
| Net charge-offs to loans | -0.0083% | 4,930 |
| Credit loss provision to net charge-offs | -1,291.6667% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2492% | 3,005 |
| Assets per employee ($millions) | 4.8359% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 2,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 5,377 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 70.9576% | 2,241 |
| Net loans and leases to deposits | 79.9326% | 2,892 |
| Net loans and leases to core deposits | 91.6731% | 2,296 |
| Total domestic deposits to total assets | 88.7718% | 1,139 |
| Equity capital to assets | 8.5425% | 5,682 |
| Core capital (leverage) ratio | 9.4171% | 4,409 |
| Tier 1 risk-based capital ratio | 10.9181% | 5,692 |
| Total risk-based capital ratio | 12.1690% | 5,614 |
| Memoranda: | ||
| Average total assets | $242,218,500 | 2,579 |
| Average earning assets | $228,636,500 | 2,541 |
| Average equity | $22,230,000 | 2,961 |
| Average total loans | $192,464,750 | 2,154 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 928 |
| Cost of funding earning assets | 0.5423% | 1,887 |
| Net interest margin | 4.2370% | 1,029 |
| Noninterest income to average assets | 0.4509% | 3,700 |
| Noninterest expense to average assets | 3.1436% | 2,137 |
| Loan and lease loss provision to assets | 0.1125% | 1,954 |
| Net operating income to assets | 0.8232% | 3,258 |
| Return on assets (ROA) | 0.8387% | 3,289 |
| Pretax return on assets | 1.2074% | 2,749 |
| Return on Equity (ROE) | 8.8936% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.8936% | 960 |
| Net charge-offs to loans | -0.0116% | 4,970 |
| Credit loss provision to net charge-offs | -1,181.8182% | 5,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7854% | 3,196 |
| Assets per employee ($millions) | 5.0822% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 2,458 |
| Loan loss allowance to noncurrent loans | 2,771.1538% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 5,689 |
| Noncurrent loans to loans | 0.0527% | 5,532 |
| Net loans and leases to total assets | 81.3898% | 624 |
| Net loans and leases to deposits | 93.2633% | 1,224 |
| Net loans and leases to core deposits | 110.0525% | 831 |
| Total domestic deposits to total assets | 87.2689% | 2,028 |
| Equity capital to assets | 9.6080% | 4,520 |
| Core capital (leverage) ratio | 10.1444% | 3,404 |
| Tier 1 risk-based capital ratio | 10.8851% | 5,767 |
| Total risk-based capital ratio | 12.1357% | 5,688 |
| Memoranda: | ||
| Average total assets | $231,076,330 | 2,694 |
| Average earning assets | $217,605,000 | 2,643 |
| Average equity | $21,791,000 | 3,022 |
| Average total loans | $190,453,330 | 2,180 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8800% | 734 |
| Cost of funding earning assets | 0.5489% | 1,857 |
| Net interest margin | 4.3311% | 823 |
| Noninterest income to average assets | 0.4208% | 3,837 |
| Noninterest expense to average assets | 3.1552% | 2,109 |
| Loan and lease loss provision to assets | 0.1585% | 1,283 |
| Net operating income to assets | 0.8210% | 3,150 |
| Return on assets (ROA) | 0.8346% | 3,215 |
| Pretax return on assets | 1.1973% | 2,680 |
| Return on Equity (ROE) | 8.9385% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.9385% | 1,218 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2470% | 3,439 |
| Assets per employee ($millions) | 4.6669% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 2,475 |
| Loan loss allowance to noncurrent loans | 840.0593% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 5,366 |
| Noncurrent loans to loans | 0.1777% | 5,141 |
| Net loans and leases to total assets | 81.7100% | 493 |
| Net loans and leases to deposits | 94.4747% | 936 |
| Net loans and leases to core deposits | 106.8434% | 884 |
| Total domestic deposits to total assets | 86.4888% | 2,673 |
| Equity capital to assets | 9.8536% | 4,320 |
| Core capital (leverage) ratio | 10.0574% | 3,526 |
| Tier 1 risk-based capital ratio | 11.2428% | 5,692 |
| Total risk-based capital ratio | 12.4944% | 5,605 |
| Memoranda: | ||
| Average total assets | $227,182,500 | 2,742 |
| Average earning assets | $213,524,500 | 2,697 |
| Average equity | $21,211,500 | 3,115 |
| Average total loans | $187,033,500 | 2,212 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 1,561 |
| Cost of funding earning assets | 0.5585% | 2,145 |
| Net interest margin | 4.0397% | 1,776 |
| Noninterest income to average assets | 0.3187% | 4,839 |
| Noninterest expense to average assets | 2.8421% | 3,334 |
| Loan and lease loss provision to assets | 0.1889% | 1,356 |
| Net operating income to assets | 0.7412% | 3,672 |
| Return on assets (ROA) | 0.7418% | 3,771 |
| Pretax return on assets | 1.0739% | 3,188 |
| Return on Equity (ROE) | 8.5188% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.5188% | 822 |
| Net charge-offs to loans | 0.0484% | 3,856 |
| Credit loss provision to net charge-offs | 492.7711% | 531 |
| Earnings coverage of net charge-offs (x) | 32.9157% | 1,249 |
| Efficiency ratio | 69.2515% | 3,666 |
| Assets per employee ($millions) | 4.7018% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 2,545 |
| Loan loss allowance to noncurrent loans | 740.5405% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1639% | 5,369 |
| Noncurrent loans to loans | 0.2007% | 5,104 |
| Net loans and leases to total assets | 80.4846% | 670 |
| Net loans and leases to deposits | 93.6377% | 1,116 |
| Net loans and leases to core deposits | 108.3323% | 870 |
| Total domestic deposits to total assets | 85.9532% | 2,866 |
| Equity capital to assets | 8.8131% | 5,476 |
| Core capital (leverage) ratio | 8.7635% | 5,277 |
| Tier 1 risk-based capital ratio | 10.5260% | 6,091 |
| Total risk-based capital ratio | 11.7781% | 6,034 |
| Memoranda: | ||
| Average total assets | $216,496,800 | 2,820 |
| Average earning assets | $202,860,600 | 2,776 |
| Average equity | $18,852,400 | 3,304 |
| Average total loans | $171,572,600 | 2,311 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6151% | 1,522 |
| Cost of funding earning assets | 0.5559% | 2,232 |
| Net interest margin | 4.0592% | 1,694 |
| Noninterest income to average assets | 0.3069% | 4,985 |
| Noninterest expense to average assets | 2.8658% | 3,241 |
| Loan and lease loss provision to assets | 0.1457% | 1,717 |
| Net operating income to assets | 0.7590% | 3,632 |
| Return on assets (ROA) | 0.7594% | 3,723 |
| Pretax return on assets | 1.0962% | 3,201 |
| Return on Equity (ROE) | 8.7486% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.7486% | 1,077 |
| Net charge-offs to loans | 0.0071% | 4,460 |
| Credit loss provision to net charge-offs | 2,600.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 221.5500% | 295 |
| Efficiency ratio | 69.7787% | 3,549 |
| Assets per employee ($millions) | 4.9290% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 2,735 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 6,006 |
| Noncurrent loans to loans | 0.0516% | 5,809 |
| Net loans and leases to total assets | 78.3404% | 922 |
| Net loans and leases to deposits | 90.0424% | 1,424 |
| Net loans and leases to core deposits | 104.8667% | 1,039 |
| Total domestic deposits to total assets | 87.0039% | 2,319 |
| Equity capital to assets | 8.7203% | 5,626 |
| Core capital (leverage) ratio | 8.9714% | 5,110 |
| Tier 1 risk-based capital ratio | 10.7541% | 6,107 |
| Total risk-based capital ratio | 12.0063% | 6,060 |
| Memoranda: | ||
| Average total assets | $214,199,000 | 2,863 |
| Average earning assets | $200,527,250 | 2,821 |
| Average equity | $18,593,000 | 3,350 |
| Average total loans | $168,369,750 | 2,353 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 1,447 |
| Cost of funding earning assets | 0.5352% | 2,489 |
| Net interest margin | 4.0956% | 1,530 |
| Noninterest income to average assets | 0.2901% | 5,098 |
| Noninterest expense to average assets | 3.0322% | 2,722 |
| Loan and lease loss provision to assets | 0.1672% | 1,466 |
| Net operating income to assets | 0.6495% | 4,101 |
| Return on assets (ROA) | 0.6482% | 4,210 |
| Pretax return on assets | 0.9213% | 3,803 |
| Return on Equity (ROE) | 7.4796% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.4796% | 1,526 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5503% | 3,054 |
| Assets per employee ($millions) | 4.7376% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 2,887 |
| Loan loss allowance to noncurrent loans | 2,727.3684% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 6,060 |
| Noncurrent loans to loans | 0.0551% | 5,875 |
| Net loans and leases to total assets | 79.6908% | 725 |
| Net loans and leases to deposits | 94.9214% | 886 |
| Net loans and leases to core deposits | 111.6180% | 622 |
| Total domestic deposits to total assets | 83.9545% | 3,931 |
| Equity capital to assets | 8.8455% | 5,475 |
| Core capital (leverage) ratio | 9.1033% | 4,867 |
| Tier 1 risk-based capital ratio | 10.7307% | 6,157 |
| Total risk-based capital ratio | 11.9832% | 6,111 |
| Memoranda: | ||
| Average total assets | $211,663,670 | 2,897 |
| Average earning assets | $198,067,000 | 2,859 |
| Average equity | $18,343,330 | 3,387 |
| Average total loans | $165,692,330 | 2,386 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 2,112 |
| Cost of funding earning assets | 0.5113% | 2,795 |
| Net interest margin | 3.8958% | 2,102 |
| Noninterest income to average assets | 0.2636% | 5,251 |
| Noninterest expense to average assets | 3.0612% | 2,653 |
| Loan and lease loss provision to assets | 0.1897% | 1,254 |
| Net operating income to assets | 0.4780% | 4,794 |
| Return on assets (ROA) | 0.4780% | 4,871 |
| Pretax return on assets | 0.6543% | 4,648 |
| Return on Equity (ROE) | 5.5734% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.5734% | 2,756 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3876% | 2,430 |
| Assets per employee ($millions) | 4.9078% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,121 |
| Loan loss allowance to noncurrent loans | 2,703.2258% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 6,160 |
| Noncurrent loans to loans | 0.0557% | 5,984 |
| Net loans and leases to total assets | 76.1143% | 991 |
| Net loans and leases to deposits | 88.8138% | 1,273 |
| Net loans and leases to core deposits | 99.1136% | 1,164 |
| Total domestic deposits to total assets | 85.7010% | 3,513 |
| Equity capital to assets | 8.4665% | 5,683 |
| Core capital (leverage) ratio | 9.2644% | 4,628 |
| Tier 1 risk-based capital ratio | 10.8518% | 6,219 |
| Total risk-based capital ratio | 12.1045% | 6,165 |
| Memoranda: | ||
| Average total assets | $210,898,500 | 2,919 |
| Average earning assets | $197,134,500 | 2,879 |
| Average equity | $18,086,000 | 3,415 |
| Average total loans | $162,295,000 | 2,432 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 2,311 |
| Cost of funding earning assets | 0.5315% | 3,273 |
| Net interest margin | 3.9400% | 2,138 |
| Noninterest income to average assets | 0.4273% | 4,252 |
| Noninterest expense to average assets | 3.0456% | 2,911 |
| Loan and lease loss provision to assets | 0.2294% | 1,580 |
| Net operating income to assets | 0.6244% | 4,138 |
| Return on assets (ROA) | 0.6252% | 4,249 |
| Pretax return on assets | 0.8407% | 3,994 |
| Return on Equity (ROE) | 6.8886% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.8886% | 1,483 |
| Net charge-offs to loans | 0.0378% | 4,701 |
| Credit loss provision to net charge-offs | 839.6226% | 298 |
| Earnings coverage of net charge-offs (x) | 39.1321% | 969 |
| Efficiency ratio | 74.0198% | 3,127 |
| Assets per employee ($millions) | 4.7873% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 3,051 |
| Loan loss allowance to noncurrent loans | 648.9247% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 5,774 |
| Noncurrent loans to loans | 0.2359% | 5,473 |
| Net loans and leases to total assets | 75.4411% | 1,159 |
| Net loans and leases to deposits | 88.7234% | 1,381 |
| Net loans and leases to core deposits | 94.7551% | 1,541 |
| Total domestic deposits to total assets | 85.0295% | 3,735 |
| Equity capital to assets | 8.6902% | 5,383 |
| Core capital (leverage) ratio | 9.4238% | 4,378 |
| Tier 1 risk-based capital ratio | 11.0716% | 6,135 |
| Total risk-based capital ratio | 12.3241% | 6,076 |
| Memoranda: | ||
| Average total assets | $194,016,400 | 3,098 |
| Average earning assets | $181,574,800 | 3,049 |
| Average equity | $17,608,800 | 3,484 |
| Average total loans | $140,294,200 | 2,691 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4479% | 2,433 |
| Cost of funding earning assets | 0.5271% | 3,495 |
| Net interest margin | 3.9208% | 2,195 |
| Noninterest income to average assets | 0.3608% | 4,811 |
| Noninterest expense to average assets | 3.0301% | 2,885 |
| Loan and lease loss provision to assets | 0.1919% | 1,903 |
| Net operating income to assets | 0.5685% | 4,481 |
| Return on assets (ROA) | 0.5694% | 4,622 |
| Pretax return on assets | 0.8151% | 4,234 |
| Return on Equity (ROE) | 6.2032% | 4,075 |
| Retained earnings to average equity (ytd only) | 6.2032% | 2,285 |
| Net charge-offs to loans | 0.0588% | 4,065 |
| Credit loss provision to net charge-offs | 458.3333% | 582 |
| Earnings coverage of net charge-offs (x) | 24.0161% | 1,441 |
| Efficiency ratio | 75.0821% | 2,892 |
| Assets per employee ($millions) | 4.8336% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 3,363 |
| Loan loss allowance to noncurrent loans | 504.9661% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 5,757 |
| Noncurrent loans to loans | 0.3016% | 5,479 |
| Net loans and leases to total assets | 74.8134% | 1,156 |
| Net loans and leases to deposits | 87.4265% | 1,438 |
| Net loans and leases to core deposits | 93.6864% | 1,605 |
| Total domestic deposits to total assets | 85.5729% | 3,460 |
| Equity capital to assets | 9.0739% | 5,093 |
| Core capital (leverage) ratio | 9.5914% | 4,261 |
| Tier 1 risk-based capital ratio | 11.4684% | 6,076 |
| Total risk-based capital ratio | 12.7202% | 6,035 |
| Memoranda: | ||
| Average total assets | $191,057,500 | 3,168 |
| Average earning assets | $179,075,250 | 3,109 |
| Average equity | $17,538,750 | 3,523 |
| Average total loans | $135,940,000 | 2,772 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 2,984 |
| Cost of funding earning assets | 0.5283% | 3,626 |
| Net interest margin | 3.7644% | 2,696 |
| Noninterest income to average assets | 0.3742% | 4,718 |
| Noninterest expense to average assets | 3.0080% | 2,977 |
| Loan and lease loss provision to assets | 0.1209% | 2,812 |
| Net operating income to assets | 0.5409% | 4,606 |
| Return on assets (ROA) | 0.5423% | 4,759 |
| Pretax return on assets | 0.7819% | 4,380 |
| Return on Equity (ROE) | 5.8847% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.8847% | 2,500 |
| Net charge-offs to loans | 0.0801% | 3,575 |
| Credit loss provision to net charge-offs | 216.9811% | 1,118 |
| Earnings coverage of net charge-offs (x) | 16.1698% | 1,679 |
| Efficiency ratio | 76.9562% | 2,635 |
| Assets per employee ($millions) | 4.9050% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,453 |
| Loan loss allowance to noncurrent loans | 477.9817% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 5,706 |
| Noncurrent loans to loans | 0.3197% | 5,493 |
| Net loans and leases to total assets | 72.0607% | 1,569 |
| Net loans and leases to deposits | 83.9148% | 1,813 |
| Net loans and leases to core deposits | 89.8223% | 1,923 |
| Total domestic deposits to total assets | 85.8737% | 3,433 |
| Equity capital to assets | 9.2623% | 4,910 |
| Core capital (leverage) ratio | 9.7885% | 3,810 |
| Tier 1 risk-based capital ratio | 12.0021% | 5,789 |
| Total risk-based capital ratio | 13.2540% | 5,738 |
| Memoranda: | ||
| Average total assets | $190,295,000 | 3,190 |
| Average earning assets | $178,675,330 | 3,137 |
| Average equity | $17,537,000 | 3,548 |
| Average total loans | $132,291,670 | 2,835 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 2,739 |
| Cost of funding earning assets | 0.5233% | 3,856 |
| Net interest margin | 3.8131% | 2,399 |
| Noninterest income to average assets | 0.3246% | 5,107 |
| Noninterest expense to average assets | 2.8942% | 3,368 |
| Loan and lease loss provision to assets | 0.0707% | 3,451 |
| Net operating income to assets | 0.6492% | 3,967 |
| Return on assets (ROA) | 0.6492% | 4,125 |
| Pretax return on assets | 0.9529% | 3,552 |
| Return on Equity (ROE) | 7.0614% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.0614% | 2,125 |
| Net charge-offs to loans | 0.1259% | 2,663 |
| Credit loss provision to net charge-offs | 82.9268% | 2,122 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,634 |
| Efficiency ratio | 73.8715% | 3,291 |
| Assets per employee ($millions) | 5.1399% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 3,619 |
| Loan loss allowance to noncurrent loans | 1,060.5263% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 6,211 |
| Noncurrent loans to loans | 0.1461% | 6,034 |
| Net loans and leases to total assets | 63.8737% | 2,732 |
| Net loans and leases to deposits | 73.6981% | 2,960 |
| Net loans and leases to core deposits | 78.3193% | 3,015 |
| Total domestic deposits to total assets | 86.6693% | 3,147 |
| Equity capital to assets | 8.8559% | 5,659 |
| Core capital (leverage) ratio | 9.7602% | 3,715 |
| Tier 1 risk-based capital ratio | 12.8548% | 5,335 |
| Total risk-based capital ratio | 14.1140% | 5,272 |
| Memoranda: | ||
| Average total assets | $192,247,500 | 3,192 |
| Average earning assets | $181,166,500 | 3,130 |
| Average equity | $17,673,500 | 3,566 |
| Average total loans | $130,238,500 | 2,888 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 2,468 |
| Cost of funding earning assets | 0.6331% | 4,069 |
| Net interest margin | 4.0980% | 2,013 |
| Noninterest income to average assets | 0.2676% | 5,543 |
| Noninterest expense to average assets | 3.0418% | 3,127 |
| Loan and lease loss provision to assets | 0.3938% | 1,654 |
| Net operating income to assets | 0.7251% | 3,620 |
| Return on assets (ROA) | 0.9027% | 3,041 |
| Pretax return on assets | 0.9418% | 3,773 |
| Return on Equity (ROE) | 8.2801% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.2801% | 1,038 |
| Net charge-offs to loans | 0.0200% | 5,627 |
| Credit loss provision to net charge-offs | 2,673.9130% | 90 |
| Earnings coverage of net charge-offs (x) | 78.1304% | 490 |
| Efficiency ratio | 72.5565% | 3,313 |
| Assets per employee ($millions) | 4.9741% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 3,518 |
| Loan loss allowance to noncurrent loans | 1,758.2609% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 6,368 |
| Noncurrent loans to loans | 0.0882% | 6,269 |
| Net loans and leases to total assets | 69.7685% | 1,889 |
| Net loans and leases to deposits | 80.9632% | 2,150 |
| Net loans and leases to core deposits | 86.1683% | 2,299 |
| Total domestic deposits to total assets | 86.1731% | 3,266 |
| Equity capital to assets | 9.5604% | 4,806 |
| Core capital (leverage) ratio | 9.8756% | 3,578 |
| Tier 1 risk-based capital ratio | 12.7300% | 5,309 |
| Total risk-based capital ratio | 13.9830% | 5,240 |
| Memoranda: | ||
| Average total assets | $156,189,800 | 3,681 |
| Average earning assets | $149,585,600 | 3,563 |
| Average equity | $17,028,800 | 3,629 |
| Average total loans | $114,930,600 | 3,187 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8342% | 2,268 |
| Cost of funding earning assets | 0.6503% | 4,199 |
| Net interest margin | 4.1840% | 1,779 |
| Noninterest income to average assets | 0.2868% | 5,488 |
| Noninterest expense to average assets | 3.0691% | 2,982 |
| Loan and lease loss provision to assets | 0.4360% | 1,450 |
| Net operating income to assets | 0.8265% | 3,316 |
| Return on assets (ROA) | 1.1034% | 2,272 |
| Pretax return on assets | 1.0829% | 3,414 |
| Return on Equity (ROE) | 9.7507% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.7507% | 981 |
| Net charge-offs to loans | 0.0276% | 5,272 |
| Credit loss provision to net charge-offs | 2,121.7391% | 127 |
| Earnings coverage of net charge-offs (x) | 60.4268% | 649 |
| Efficiency ratio | 71.1917% | 3,471 |
| Assets per employee ($millions) | 4.8131% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 3,775 |
| Loan loss allowance to noncurrent loans | 1,619.6581% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 6,482 |
| Noncurrent loans to loans | 0.0950% | 6,378 |
| Net loans and leases to total assets | 71.9574% | 1,560 |
| Net loans and leases to deposits | 84.2488% | 1,841 |
| Net loans and leases to core deposits | 91.3619% | 1,841 |
| Total domestic deposits to total assets | 85.4106% | 3,562 |
| Equity capital to assets | 10.4228% | 3,929 |
| Core capital (leverage) ratio | 10.9932% | 2,390 |
| Tier 1 risk-based capital ratio | 13.4850% | 4,888 |
| Total risk-based capital ratio | 14.7383% | 4,841 |
| Memoranda: | ||
| Average total assets | $149,227,250 | 3,832 |
| Average earning assets | $143,527,750 | 3,703 |
| Average equity | $16,887,250 | 3,678 |
| Average total loans | $111,057,250 | 3,303 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0033% | 1,784 |
| Cost of funding earning assets | 0.6758% | 4,218 |
| Net interest margin | 4.3274% | 1,400 |
| Noninterest income to average assets | 0.2199% | 5,997 |
| Noninterest expense to average assets | 3.1551% | 2,732 |
| Loan and lease loss provision to assets | 0.4033% | 1,627 |
| Net operating income to assets | 1.0139% | 2,406 |
| Return on assets (ROA) | 1.4480% | 1,222 |
| Pretax return on assets | 1.2562% | 2,708 |
| Return on Equity (ROE) | 12.4102% | 1,531 |
| Retained earnings to average equity (ytd only) | 12.4102% | 519 |
| Net charge-offs to loans | 0.0561% | 4,631 |
| Credit loss provision to net charge-offs | 960.0000% | 341 |
| Earnings coverage of net charge-offs (x) | 29.1667% | 1,093 |
| Efficiency ratio | 72.0269% | 3,429 |
| Assets per employee ($millions) | 4.6237% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 4,002 |
| Loan loss allowance to noncurrent loans | 1,361.2903% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 6,487 |
| Noncurrent loans to loans | 0.1103% | 6,388 |
| Net loans and leases to total assets | 77.2890% | 810 |
| Net loans and leases to deposits | 95.0992% | 688 |
| Net loans and leases to core deposits | 104.7484% | 806 |
| Total domestic deposits to total assets | 81.2720% | 5,368 |
| Equity capital to assets | 12.0298% | 2,129 |
| Core capital (leverage) ratio | 11.8450% | 1,687 |
| Tier 1 risk-based capital ratio | 14.2546% | 4,266 |
| Total risk-based capital ratio | 15.5063% | 4,227 |
| Memoranda: | ||
| Average total assets | $142,817,000 | 3,954 |
| Average earning assets | $137,310,330 | 3,825 |
| Average equity | $16,663,670 | 3,707 |
| Average total loans | $107,038,670 | 3,401 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 1,689 |
| Cost of funding earning assets | 0.6905% | 4,361 |
| Net interest margin | 4.3690% | 1,294 |
| Noninterest income to average assets | 0.1094% | 6,700 |
| Noninterest expense to average assets | 3.1145% | 2,871 |
| Loan and lease loss provision to assets | 0.2834% | 2,200 |
| Net operating income to assets | 0.5977% | 4,350 |
| Return on assets (ROA) | 0.5977% | 4,568 |
| Pretax return on assets | 0.9372% | 3,909 |
| Return on Equity (ROE) | 5.2034% | 4,692 |
| Retained earnings to average equity (ytd only) | 5.2034% | 3,435 |
| Net charge-offs to loans | -0.0115% | 5,991 |
| Credit loss provision to net charge-offs | -3,366.6667% | 6,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8447% | 3,471 |
| Assets per employee ($millions) | 4.8105% | 2,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 4,454 |
| Loan loss allowance to noncurrent loans | 661.2069% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 6,486 |
| Noncurrent loans to loans | 0.2168% | 6,252 |
| Net loans and leases to total assets | 73.0795% | 1,210 |
| Net loans and leases to deposits | 87.6741% | 1,209 |
| Net loans and leases to core deposits | 98.6918% | 1,073 |
| Total domestic deposits to total assets | 83.3537% | 4,786 |
| Equity capital to assets | 11.4577% | 2,479 |
| Core capital (leverage) ratio | 11.2679% | 2,062 |
| Tier 1 risk-based capital ratio | 14.1610% | 4,350 |
| Total risk-based capital ratio | 15.4126% | 4,318 |
| Memoranda: | ||
| Average total assets | $142,557,500 | 3,995 |
| Average earning assets | $137,881,000 | 3,851 |
| Average equity | $16,374,000 | 3,754 |
| Average total loans | $104,322,500 | 3,498 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 1,463 |
| Cost of funding earning assets | 0.9726% | 3,559 |
| Net interest margin | 4.4083% | 1,378 |
| Noninterest income to average assets | 0.0850% | 6,702 |
| Noninterest expense to average assets | 3.3442% | 2,375 |
| Loan and lease loss provision to assets | 0.4992% | 2,106 |
| Net operating income to assets | 0.3611% | 5,027 |
| Return on assets (ROA) | 0.5205% | 4,550 |
| Pretax return on assets | 0.6259% | 4,606 |
| Return on Equity (ROE) | 4.0775% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.0775% | 3,290 |
| Net charge-offs to loans | 0.3504% | 3,647 |
| Credit loss provision to net charge-offs | 193.3544% | 1,317 |
| Earnings coverage of net charge-offs (x) | 3.6139% | 3,454 |
| Efficiency ratio | 78.1853% | 2,565 |
| Assets per employee ($millions) | 5.4154% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 4,421 |
| Loan loss allowance to noncurrent loans | 168.0376% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 5,456 |
| Noncurrent loans to loans | 0.8372% | 5,014 |
| Net loans and leases to total assets | 71.1763% | 1,792 |
| Net loans and leases to deposits | 85.0782% | 1,795 |
| Net loans and leases to core deposits | 95.5412% | 1,538 |
| Total domestic deposits to total assets | 83.6599% | 4,468 |
| Equity capital to assets | 11.5148% | 2,495 |
| Core capital (leverage) ratio | 11.4809% | 1,905 |
| Tier 1 risk-based capital ratio | 14.4628% | 3,995 |
| Total risk-based capital ratio | 15.7133% | 3,975 |
| Memoranda: | ||
| Average total assets | $122,390,400 | 4,335 |
| Average earning assets | $116,393,200 | 4,226 |
| Average equity | $15,622,400 | 3,786 |
| Average total loans | $90,182,600 | 3,849 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4570% | 1,374 |
| Cost of funding earning assets | 1.0386% | 3,401 |
| Net interest margin | 4.4184% | 1,355 |
| Noninterest income to average assets | 0.0826% | 6,831 |
| Noninterest expense to average assets | 3.4015% | 2,182 |
| Loan and lease loss provision to assets | 0.4426% | 2,262 |
| Net operating income to assets | 0.3779% | 5,093 |
| Return on assets (ROA) | 0.6146% | 4,204 |
| Pretax return on assets | 0.6939% | 4,505 |
| Return on Equity (ROE) | 4.6785% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.6785% | 3,398 |
| Net charge-offs to loans | 0.3940% | 3,147 |
| Credit loss provision to net charge-offs | 151.5504% | 2,056 |
| Earnings coverage of net charge-offs (x) | 2.9806% | 3,649 |
| Efficiency ratio | 79.6237% | 2,311 |
| Assets per employee ($millions) | 4.5310% | 2,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 5,089 |
| Loan loss allowance to noncurrent loans | 143.1151% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6743% | 5,451 |
| Noncurrent loans to loans | 0.8961% | 5,071 |
| Net loans and leases to total assets | 74.2831% | 1,285 |
| Net loans and leases to deposits | 89.8181% | 1,238 |
| Net loans and leases to core deposits | 102.4562% | 1,075 |
| Total domestic deposits to total assets | 82.7040% | 4,795 |
| Equity capital to assets | 12.2572% | 2,052 |
| Core capital (leverage) ratio | 11.4051% | 2,097 |
| Tier 1 risk-based capital ratio | 15.0103% | 3,653 |
| Total risk-based capital ratio | 16.2256% | 3,649 |
| Memoranda: | ||
| Average total assets | $117,787,750 | 4,485 |
| Average earning assets | $111,681,500 | 4,369 |
| Average equity | $15,474,750 | 3,829 |
| Average total loans | $87,316,500 | 3,959 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4225% | 1,494 |
| Cost of funding earning assets | 1.0923% | 3,301 |
| Net interest margin | 4.3302% | 1,565 |
| Noninterest income to average assets | 0.0742% | 6,945 |
| Noninterest expense to average assets | 3.5214% | 1,930 |
| Loan and lease loss provision to assets | 0.4874% | 2,022 |
| Net operating income to assets | 0.1703% | 5,832 |
| Return on assets (ROA) | 0.5051% | 4,621 |
| Pretax return on assets | 0.5651% | 4,860 |
| Return on Equity (ROE) | 3.7473% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.7473% | 3,829 |
| Net charge-offs to loans | 0.6781% | 2,142 |
| Credit loss provision to net charge-offs | 97.5265% | 3,234 |
| Earnings coverage of net charge-offs (x) | 1.3534% | 4,269 |
| Efficiency ratio | 83.8873% | 1,827 |
| Assets per employee ($millions) | 4.6002% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,285 |
| Loan loss allowance to noncurrent loans | 131.7757% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,529 |
| Noncurrent loans to loans | 0.9519% | 5,081 |
| Net loans and leases to total assets | 71.4893% | 1,885 |
| Net loans and leases to deposits | 89.5381% | 1,326 |
| Net loans and leases to core deposits | 96.6402% | 1,615 |
| Total domestic deposits to total assets | 79.8424% | 5,870 |
| Equity capital to assets | 12.5727% | 1,740 |
| Core capital (leverage) ratio | 13.1889% | 1,090 |
| Tier 1 risk-based capital ratio | 15.9753% | 2,986 |
| Total risk-based capital ratio | 17.1486% | 3,008 |
| Memoranda: | ||
| Average total assets | $113,250,330 | 4,627 |
| Average earning assets | $107,846,330 | 4,512 |
| Average equity | $15,264,330 | 3,860 |
| Average total loans | $83,463,330 | 4,111 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2161% | 2,165 |
| Cost of funding earning assets | 1.1312% | 3,290 |
| Net interest margin | 4.0848% | 2,325 |
| Noninterest income to average assets | 0.0668% | 7,059 |
| Noninterest expense to average assets | 3.7041% | 1,527 |
| Loan and lease loss provision to assets | 0.5790% | 1,494 |
| Net operating income to assets | -0.2172% | 6,583 |
| Return on assets (ROA) | 0.0631% | 6,247 |
| Pretax return on assets | 0.1485% | 6,061 |
| Return on Equity (ROE) | 0.4507% | 6,272 |
| Retained earnings to average equity (ytd only) | 0.4507% | 5,640 |
| Net charge-offs to loans | 0.9173% | 1,451 |
| Credit loss provision to net charge-offs | 84.7826% | 3,045 |
| Earnings coverage of net charge-offs (x) | 0.4239% | 4,304 |
| Efficiency ratio | 92.7509% | 1,114 |
| Assets per employee ($millions) | 4.1128% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 4,880 |
| Loan loss allowance to noncurrent loans | 393.9502% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 6,549 |
| Noncurrent loans to loans | 0.3439% | 6,307 |
| Net loans and leases to total assets | 72.5958% | 1,592 |
| Net loans and leases to deposits | 89.9469% | 1,237 |
| Net loans and leases to core deposits | 100.4861% | 1,300 |
| Total domestic deposits to total assets | 80.7096% | 5,741 |
| Equity capital to assets | 13.6197% | 1,139 |
| Core capital (leverage) ratio | 13.9248% | 873 |
| Tier 1 risk-based capital ratio | 16.7999% | 2,548 |
| Total risk-based capital ratio | 18.0373% | 2,521 |
| Memoranda: | ||
| Average total assets | $107,772,500 | 4,798 |
| Average earning assets | $103,602,500 | 4,646 |
| Average equity | $15,088,500 | 3,887 |
| Average total loans | $80,234,000 | 4,245 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 3,042 |
| Cost of funding earning assets | 1.2573% | 4,163 |
| Net interest margin | 4.0591% | 2,756 |
| Noninterest income to average assets | 0.0571% | 7,076 |
| Noninterest expense to average assets | 3.1285% | 3,351 |
| Loan and lease loss provision to assets | 0.4047% | 3,688 |
| Net operating income to assets | 0.4364% | 4,380 |
| Return on assets (ROA) | 0.6075% | 3,802 |
| Pretax return on assets | 0.6075% | 4,297 |
| Return on Equity (ROE) | 3.9757% | 4,539 |
| Retained earnings to average equity (ytd only) | 3.9757% | 3,084 |
| Net charge-offs to loans | 0.0082% | 6,758 |
| Credit loss provision to net charge-offs | 6,383.3333% | 23 |
| Earnings coverage of net charge-offs (x) | 132.6667% | 190 |
| Efficiency ratio | 78.8129% | 2,559 |
| Assets per employee ($millions) | 4.9762% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 4,326 |
| Loan loss allowance to noncurrent loans | 363.7821% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 6,494 |
| Noncurrent loans to loans | 0.3962% | 6,257 |
| Net loans and leases to total assets | 74.2699% | 1,605 |
| Net loans and leases to deposits | 93.4623% | 1,105 |
| Net loans and leases to core deposits | 106.3484% | 1,166 |
| Total domestic deposits to total assets | 79.4651% | 5,979 |
| Equity capital to assets | 14.4048% | 928 |
| Core capital (leverage) ratio | 14.5774% | 736 |
| Tier 1 risk-based capital ratio | 17.8110% | 2,064 |
| Total risk-based capital ratio | 19.0624% | 2,021 |
| Memoranda: | ||
| Average total assets | $94,644,800 | 5,139 |
| Average earning assets | $91,227,200 | 4,975 |
| Average equity | $14,462,800 | 4,036 |
| Average total loans | $72,869,600 | 4,574 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2593% | 3,537 |
| Cost of funding earning assets | 1.2736% | 4,414 |
| Net interest margin | 3.9857% | 3,166 |
| Noninterest income to average assets | 0.0564% | 7,245 |
| Noninterest expense to average assets | 3.1112% | 3,290 |
| Loan and lease loss provision to assets | 0.4629% | 3,159 |
| Net operating income to assets | 0.3298% | 5,051 |
| Return on assets (ROA) | 0.5641% | 4,198 |
| Pretax return on assets | 0.5641% | 4,709 |
| Return on Equity (ROE) | 3.6324% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.6324% | 3,891 |
| Net charge-offs to loans | 0.0112% | 6,512 |
| Credit loss provision to net charge-offs | 5,333.3333% | 51 |
| Earnings coverage of net charge-offs (x) | 91.3313% | 338 |
| Efficiency ratio | 79.6962% | 2,391 |
| Assets per employee ($millions) | 5.3760% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 4,597 |
| Loan loss allowance to noncurrent loans | 337.1069% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 6,604 |
| Noncurrent loans to loans | 0.4081% | 6,385 |
| Net loans and leases to total assets | 75.2399% | 1,543 |
| Net loans and leases to deposits | 97.6457% | 825 |
| Net loans and leases to core deposits | 111.4991% | 958 |
| Total domestic deposits to total assets | 77.0540% | 6,466 |
| Equity capital to assets | 14.5794% | 999 |
| Core capital (leverage) ratio | 14.9955% | 718 |
| Tier 1 risk-based capital ratio | 17.8588% | 2,057 |
| Total risk-based capital ratio | 19.1092% | 2,023 |
| Memoranda: | ||
| Average total assets | $92,181,000 | 5,284 |
| Average earning assets | $88,983,000 | 5,110 |
| Average equity | $14,315,250 | 4,129 |
| Average total loans | $71,400,250 | 4,703 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2693% | 3,608 |
| Cost of funding earning assets | 1.3057% | 4,497 |
| Net interest margin | 3.9637% | 3,190 |
| Noninterest income to average assets | 0.0540% | 7,316 |
| Noninterest expense to average assets | 3.1510% | 3,089 |
| Loan and lease loss provision to assets | 0.2948% | 4,029 |
| Net operating income to assets | 0.4276% | 4,628 |
| Return on assets (ROA) | 0.4276% | 4,790 |
| Pretax return on assets | 0.4276% | 5,129 |
| Return on Equity (ROE) | 2.6906% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.6906% | 4,430 |
| Net charge-offs to loans | 0.0231% | 6,013 |
| Credit loss provision to net charge-offs | 1,637.5000% | 245 |
| Earnings coverage of net charge-offs (x) | 40.1250% | 728 |
| Efficiency ratio | 81.3481% | 2,249 |
| Assets per employee ($millions) | 5.3029% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2046% | 5,438 |
| 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 | 75.6956% | 1,546 |
| Net loans and leases to deposits | 97.3786% | 929 |
| Net loans and leases to core deposits | 112.1071% | 1,029 |
| Total domestic deposits to total assets | 77.7333% | 6,328 |
| Equity capital to assets | 15.5387% | 762 |
| Core capital (leverage) ratio | 15.6765% | 610 |
| Tier 1 risk-based capital ratio | 18.7281% | 1,784 |
| Total risk-based capital ratio | 19.8687% | 1,777 |
| Memoranda: | ||
| Average total assets | $88,860,000 | 5,426 |
| Average earning assets | $85,627,330 | 5,251 |
| Average equity | $14,123,000 | 4,173 |
| Average total loans | $69,225,330 | 4,814 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2974% | 3,563 |
| Cost of funding earning assets | 1.3086% | 4,768 |
| Net interest margin | 3.9888% | 2,920 |
| Noninterest income to average assets | 0.0280% | 7,568 |
| Noninterest expense to average assets | 3.1742% | 2,959 |
| Loan and lease loss provision to assets | 0.2665% | 3,893 |
| Net operating income to assets | 0.4348% | 4,688 |
| Return on assets (ROA) | 0.4348% | 4,821 |
| Pretax return on assets | 0.4348% | 5,179 |
| Return on Equity (ROE) | 2.7018% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.7018% | 4,516 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9059% | 2,280 |
| Assets per employee ($millions) | 5.2044% | 1,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,612 |
| 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 | 77.2329% | 1,293 |
| Net loans and leases to deposits | 101.3257% | 674 |
| Net loans and leases to core deposits | 117.4779% | 889 |
| Total domestic deposits to total assets | 76.2224% | 6,720 |
| Equity capital to assets | 16.5472% | 595 |
| Core capital (leverage) ratio | 17.2211% | 436 |
| Tier 1 risk-based capital ratio | 19.6877% | 1,585 |
| Total risk-based capital ratio | 20.8059% | 1,576 |
| Memoranda: | ||
| Average total assets | $85,564,000 | 5,584 |
| Average earning assets | $82,531,500 | 5,418 |
| Average equity | $13,768,500 | 4,296 |
| Average total loans | $67,271,000 | 4,954 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1910% | 5,689 |
| Cost of funding earning assets | 1.6243% | 4,914 |
| Net interest margin | 3.5668% | 4,669 |
| Noninterest income to average assets | 0.0820% | 7,344 |
| Noninterest expense to average assets | 3.7658% | 1,761 |
| Loan and lease loss provision to assets | 0.6560% | 3,189 |
| Net operating income to assets | -0.9020% | 6,512 |
| Return on assets (ROA) | -0.6727% | 6,334 |
| Pretax return on assets | -0.6727% | 6,162 |
| Return on Equity (ROE) | -3.4248% | 6,044 |
| Retained earnings to average equity (ytd only) | -3.4248% | 5,774 |
| Net charge-offs to loans | 0.0681% | 6,433 |
| Credit loss provision to net charge-offs | 1,270.5882% | 240 |
| Earnings coverage of net charge-offs (x) | -4.7647% | 7,102 |
| Efficiency ratio | 106.9888% | 872 |
| Assets per employee ($millions) | 5.1659% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 5,590 |
| 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 | 78.2031% | 1,333 |
| Net loans and leases to deposits | 107.5293% | 482 |
| Net loans and leases to core deposits | 164.7206% | 289 |
| Total domestic deposits to total assets | 72.7273% | 7,181 |
| Equity capital to assets | 15.6036% | 766 |
| Core capital (leverage) ratio | 15.6985% | 661 |
| Tier 1 risk-based capital ratio | 18.2440% | 1,831 |
| Total risk-based capital ratio | 19.3372% | 1,829 |
| Memoranda: | ||
| Average total assets | $65,856,400 | 6,143 |
| Average earning assets | $63,475,000 | 6,018 |
| Average equity | $12,935,000 | 4,526 |
| Average total loans | $49,915,800 | 5,674 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 6,430 |
| Cost of funding earning assets | 1.6928% | 4,936 |
| Net interest margin | 3.3632% | 5,397 |
| Noninterest income to average assets | 0.0865% | 7,462 |
| Noninterest expense to average assets | 4.0654% | 1,190 |
| Loan and lease loss provision to assets | 0.7698% | 2,449 |
| Net operating income to assets | -1.5051% | 7,116 |
| Return on assets (ROA) | -1.1785% | 6,952 |
| Pretax return on assets | -1.1785% | 6,804 |
| Return on Equity (ROE) | -5.6136% | 6,516 |
| Retained earnings to average equity (ytd only) | -5.6136% | 6,338 |
| Net charge-offs to loans | 0.0261% | 6,518 |
| Credit loss provision to net charge-offs | 3,955.5556% | 107 |
| Earnings coverage of net charge-offs (x) | -37.7767% | 6,953 |
| Efficiency ratio | 122.0779% | 560 |
| Assets per employee ($millions) | 5.3748% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 5,158 |
| Loan loss allowance to noncurrent loans | 1,309.2593% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 7,392 |
| Noncurrent loans to loans | 0.0911% | 7,256 |
| Net loans and leases to total assets | 72.6328% | 2,872 |
| Net loans and leases to deposits | 95.5254% | 1,644 |
| Net loans and leases to core deposits | 140.5718% | 887 |
| Total domestic deposits to total assets | 76.0351% | 6,572 |
| Equity capital to assets | 15.7798% | 828 |
| Core capital (leverage) ratio | 17.6117% | 488 |
| Tier 1 risk-based capital ratio | 19.2031% | 1,702 |
| Total risk-based capital ratio | 20.2861% | 1,697 |
| Memoranda: | ||
| Average total assets | $61,657,000 | 6,322 |
| Average earning assets | $59,465,250 | 6,188 |
| Average equity | $12,944,500 | 4,555 |
| Average total loans | $46,045,750 | 5,881 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2167% | 6,018 |
| Cost of funding earning assets | 1.8166% | 4,675 |
| Net interest margin | 3.4001% | 5,171 |
| Noninterest income to average assets | 0.0904% | 7,523 |
| Noninterest expense to average assets | 4.7492% | 617 |
| Loan and lease loss provision to assets | 0.6108% | 2,609 |
| Net operating income to assets | -2.0023% | 7,431 |
| Return on assets (ROA) | -1.4566% | 7,228 |
| Pretax return on assets | -1.4566% | 7,069 |
| Return on Equity (ROE) | -6.1911% | 6,731 |
| Retained earnings to average equity (ytd only) | -6.1911% | 6,477 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.4424% | 419 |
| Assets per employee ($millions) | 4.4189% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,518 |
| 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 | 76.1157% | 2,156 |
| Net loans and leases to deposits | 107.8909% | 660 |
| Net loans and leases to core deposits | 173.2997% | 284 |
| Total domestic deposits to total assets | 70.5488% | 7,415 |
| Equity capital to assets | 20.6045% | 347 |
| Core capital (leverage) ratio | 21.0454% | 315 |
| Tier 1 risk-based capital ratio | 23.9858% | 1,038 |
| Total risk-based capital ratio | 24.9872% | 1,044 |
| Memoranda: | ||
| Average total assets | $55,335,330 | 6,622 |
| Average earning assets | $53,175,000 | 6,508 |
| Average equity | $13,018,670 | 4,532 |
| Average total loans | $41,639,330 | 6,126 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 6,545 |
| Cost of funding earning assets | 1.8865% | 4,705 |
| Net interest margin | 3.2489% | 5,693 |
| Noninterest income to average assets | 0.0999% | 7,541 |
| Noninterest expense to average assets | 4.3940% | 794 |
| Loan and lease loss provision to assets | 0.5608% | 2,236 |
| Net operating income to assets | -1.7592% | 7,589 |
| Return on assets (ROA) | -1.7592% | 7,593 |
| Pretax return on assets | -1.7592% | 7,456 |
| Return on Equity (ROE) | -6.9634% | 7,140 |
| Retained earnings to average equity (ytd only) | -6.9634% | 6,789 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.5000% | 432 |
| Assets per employee ($millions) | 4.3315% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,591 |
| Loan loss allowance to noncurrent loans | 832.6923% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 7,311 |
| Noncurrent loans to loans | 0.1301% | 7,144 |
| Net loans and leases to total assets | 70.2149% | 3,623 |
| Net loans and leases to deposits | 101.5957% | 1,217 |
| Net loans and leases to core deposits | 159.3760% | 499 |
| Total domestic deposits to total assets | 69.1121% | 7,504 |
| Equity capital to assets | 23.2019% | 271 |
| Core capital (leverage) ratio | 24.6471% | 240 |
| Tier 1 risk-based capital ratio | 28.1078% | 745 |
| Total risk-based capital ratio | 29.0561% | 749 |
| Memoranda: | ||
| Average total assets | $52,070,500 | 6,778 |
| Average earning assets | $49,617,000 | 6,677 |
| Average equity | $13,154,500 | 4,547 |
| Average total loans | $38,650,000 | 6,297 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 7,911 |
| Cost of funding earning assets | 1.5988% | 7,454 |
| Net interest margin | 3.2803% | 6,104 |
| Noninterest income to average assets | 0.0694% | 7,800 |
| Noninterest expense to average assets | 6.0259% | 400 |
| Loan and lease loss provision to assets | 1.1352% | 1,280 |
| Net operating income to assets | -4.3894% | 8,040 |
| Return on assets (ROA) | -4.3673% | 8,020 |
| Pretax return on assets | -3.9384% | 7,882 |
| Return on Equity (ROE) | -9.9511% | 7,279 |
| Retained earnings to average equity (ytd only) | -9.9511% | 7,070 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.2759% | 221 |
| Assets per employee ($millions) | 3.6793% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 6,304 |
| Loan loss allowance to noncurrent loans | 837.2093% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 7,219 |
| Noncurrent loans to loans | 0.1152% | 7,071 |
| Net loans and leases to total assets | 77.2909% | 2,310 |
| Net loans and leases to deposits | 111.0014% | 767 |
| Net loans and leases to core deposits | 157.7378% | 627 |
| Total domestic deposits to total assets | 69.6306% | 7,321 |
| Equity capital to assets | 27.6892% | 204 |
| Core capital (leverage) ratio | 30.8130% | 176 |
| Tier 1 risk-based capital ratio | 32.1859% | 540 |
| Total risk-based capital ratio | 33.0736% | 548 |
| Memoranda: | ||
| Average total assets | $31,713,000 | 7,579 |
| Average earning assets | $30,271,800 | 7,499 |
| Average equity | $13,918,000 | 4,357 |
| Average total loans | $20,148,600 | 7,327 |