Home > American Commerce Bank > Performance and Condition Ratios
American Commerce Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1842% | 506 |
| Cost of funding earning assets | 2.2013% | 637 |
| Net interest margin | 3.9829% | 1,234 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.2373% | 3,021 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.3371% | 1,352 |
| Return on assets (ROA) | 1.3371% | 1,326 |
| Pretax return on assets | 1.7450% | 973 |
| Return on Equity (ROE) | 10.8500% | 2,268 |
| Retained earnings to average equity (ytd only) | 10.8481% | 828 |
| Net charge-offs to loans | 0.1920% | 559 |
| Credit loss provision to net charge-offs | 84.0506% | 1,996 |
| Earnings coverage of net charge-offs (x) | 11.9962% | 2,167 |
| Efficiency ratio | 54.3343% | 3,653 |
| Assets per employee ($millions) | 9.2204% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 364 |
| Loan loss allowance to noncurrent loans | 76.2380% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.1942% | 116 |
| Noncurrent loans to loans | 2.6426% | 175 |
| Net loans and leases to total assets | 81.3600% | 489 |
| Net loans and leases to deposits | 97.3398% | 692 |
| Net loans and leases to core deposits | 114.4262% | 799 |
| Total domestic deposits to total assets | 83.5800% | 2,735 |
| Equity capital to assets | 13.1545% | 833 |
| Core capital (leverage) ratio | 13.1878% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4941% | 997 |
| Memoranda: | ||
| Average total assets | $504,009,200 | 1,717 |
| Average earning assets | $490,851,000 | 1,662 |
| Average equity | $62,121,600 | 1,358 |
| Average total loans | $411,506,000 | 1,445 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1415% | 445 |
| Cost of funding earning assets | 2.0912% | 602 |
| Net interest margin | 4.0503% | 1,150 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2302% | 2,994 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.3161% | 1,511 |
| Return on assets (ROA) | 1.3161% | 1,494 |
| Pretax return on assets | 1.7613% | 1,064 |
| Return on Equity (ROE) | 10.8600% | 2,414 |
| Retained earnings to average equity (ytd only) | 10.8574% | 1,183 |
| Net charge-offs to loans | 0.0454% | 1,239 |
| Credit loss provision to net charge-offs | 450.7143% | 682 |
| Earnings coverage of net charge-offs (x) | 52.2071% | 1,287 |
| Efficiency ratio | 53.6378% | 3,610 |
| Assets per employee ($millions) | 9.1972% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 325 |
| Loan loss allowance to noncurrent loans | 231.7958% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 730 |
| Noncurrent loans to loans | 0.9220% | 891 |
| Net loans and leases to total assets | 80.9700% | 542 |
| Net loans and leases to deposits | 97.3099% | 652 |
| Net loans and leases to core deposits | 114.7995% | 697 |
| Total domestic deposits to total assets | 83.2100% | 2,978 |
| Equity capital to assets | 12.6021% | 891 |
| Core capital (leverage) ratio | 12.1341% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1706% | 1,072 |
| Memoranda: | ||
| Average total assets | $505,535,500 | 1,718 |
| Average earning assets | $492,596,500 | 1,656 |
| Average equity | $61,277,750 | 1,362 |
| Average total loans | $411,026,500 | 1,445 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9844% | 448 |
| Cost of funding earning assets | 1.8557% | 669 |
| Net interest margin | 4.1287% | 1,041 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.3042% | 2,793 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.3426% | 1,468 |
| Return on assets (ROA) | 1.3426% | 1,455 |
| Pretax return on assets | 1.7969% | 1,014 |
| Return on Equity (ROE) | 11.2200% | 2,368 |
| Retained earnings to average equity (ytd only) | 11.2249% | 1,143 |
| Net charge-offs to loans | -0.0098% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.9416% | 3,617 |
| Assets per employee ($millions) | 10.0782% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 366 |
| Loan loss allowance to noncurrent loans | 381.2581% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 1,164 |
| Noncurrent loans to loans | 0.5464% | 1,366 |
| Net loans and leases to total assets | 77.8700% | 846 |
| Net loans and leases to deposits | 92.0430% | 1,019 |
| Net loans and leases to core deposits | 110.2559% | 817 |
| Total domestic deposits to total assets | 84.6000% | 2,662 |
| Equity capital to assets | 11.6358% | 1,160 |
| Core capital (leverage) ratio | 11.9022% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3242% | 1,256 |
| Memoranda: | ||
| Average total assets | $505,432,333 | 1,714 |
| Average earning assets | $492,650,667 | 1,654 |
| Average equity | $60,454,667 | 1,378 |
| Average total loans | $408,522,667 | 1,439 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8405% | 394 |
| Cost of funding earning assets | 1.5661% | 740 |
| Net interest margin | 4.2744% | 848 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.2278% | 3,019 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 1.3815% | 1,461 |
| Return on assets (ROA) | 1.3815% | 1,432 |
| Pretax return on assets | 1.8547% | 983 |
| Return on Equity (ROE) | 11.3800% | 2,380 |
| Retained earnings to average equity (ytd only) | 11.3814% | 1,380 |
| Net charge-offs to loans | -0.0200% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.7307% | 3,803 |
| Assets per employee ($millions) | 8.8862% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1335% | 356 |
| Loan loss allowance to noncurrent loans | 366.0211% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 1,025 |
| Noncurrent loans to loans | 0.5829% | 1,273 |
| Net loans and leases to total assets | 80.1300% | 527 |
| Net loans and leases to deposits | 95.6432% | 670 |
| Net loans and leases to core deposits | 114.6762% | 567 |
| Total domestic deposits to total assets | 83.7800% | 3,133 |
| Equity capital to assets | 12.1485% | 955 |
| Core capital (leverage) ratio | 12.3189% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1502% | 1,338 |
| Memoranda: | ||
| Average total assets | $491,076,500 | 1,763 |
| Average earning assets | $478,385,500 | 1,708 |
| Average equity | $59,606,000 | 1,401 |
| Average total loans | $400,403,000 | 1,470 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 214 |
| Cost of funding earning assets | 0.7246% | 523 |
| Net interest margin | 4.5010% | 292 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.3107% | 2,695 |
| Loan and lease loss provision to assets | 0.2800% | 313 |
| Net operating income to assets | 1.5303% | 821 |
| Return on assets (ROA) | 1.5303% | 795 |
| Pretax return on assets | 2.0089% | 471 |
| Return on Equity (ROE) | 12.4400% | 1,995 |
| Retained earnings to average equity (ytd only) | 12.4396% | 600 |
| Net charge-offs to loans | 0.0123% | 1,926 |
| Credit loss provision to net charge-offs | 2,706.5217% | 207 |
| Earnings coverage of net charge-offs (x) | 223.2609% | 602 |
| Efficiency ratio | 50.2688% | 4,113 |
| Assets per employee ($millions) | 8.9727% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 434 |
| Loan loss allowance to noncurrent loans | 263.0238% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 806 |
| Noncurrent loans to loans | 0.7584% | 988 |
| Net loans and leases to total assets | 79.5600% | 647 |
| Net loans and leases to deposits | 94.6691% | 739 |
| Net loans and leases to core deposits | 111.6372% | 553 |
| Total domestic deposits to total assets | 84.0400% | 3,199 |
| Equity capital to assets | 12.1269% | 894 |
| Core capital (leverage) ratio | 12.1414% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1598% | 1,326 |
| Memoranda: | ||
| Average total assets | $449,260,800 | 1,858 |
| Average earning assets | $437,506,400 | 1,796 |
| Average equity | $55,267,000 | 1,496 |
| Average total loans | $374,225,200 | 1,479 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 198 |
| Cost of funding earning assets | 0.5405% | 605 |
| Net interest margin | 4.5183% | 230 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.3352% | 2,525 |
| Loan and lease loss provision to assets | 0.2900% | 248 |
| Net operating income to assets | 1.5000% | 853 |
| Return on assets (ROA) | 1.5000% | 831 |
| Pretax return on assets | 2.0113% | 457 |
| Return on Equity (ROE) | 12.1500% | 1,988 |
| Retained earnings to average equity (ytd only) | 12.1456% | 762 |
| Net charge-offs to loans | -0.0065% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.3262% | 4,140 |
| Assets per employee ($millions) | 9.2331% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8720% | 635 |
| Loan loss allowance to noncurrent loans | 295.3965% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 975 |
| Noncurrent loans to loans | 0.6337% | 1,281 |
| Net loans and leases to total assets | 85.0000% | 182 |
| Net loans and leases to deposits | 100.4732% | 346 |
| Net loans and leases to core deposits | 116.3910% | 326 |
| Total domestic deposits to total assets | 84.6000% | 3,366 |
| Equity capital to assets | 12.0702% | 874 |
| Core capital (leverage) ratio | 12.4581% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2417% | 1,635 |
| Memoranda: | ||
| Average total assets | $440,444,500 | 1,894 |
| Average earning assets | $429,003,500 | 1,832 |
| Average equity | $54,394,250 | 1,527 |
| Average total loans | $369,445,250 | 1,480 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 172 |
| Cost of funding earning assets | 0.4626% | 649 |
| Net interest margin | 4.5340% | 184 |
| Noninterest income to average assets | 0.2956% | 3,392 |
| Noninterest expense to average assets | 2.3830% | 2,285 |
| Loan and lease loss provision to assets | 0.2092% | 387 |
| Net operating income to assets | 1.5859% | 570 |
| Return on assets (ROA) | 1.5859% | 559 |
| Pretax return on assets | 2.1176% | 281 |
| Return on Equity (ROE) | 12.7361% | 1,455 |
| Retained earnings to average equity (ytd only) | 12.7361% | 499 |
| Net charge-offs to loans | -0.0292% | 4,027 |
| Credit loss provision to net charge-offs | -865.3846% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5971% | 4,214 |
| Assets per employee ($millions) | 7.6428% | 1,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8417% | 752 |
| Loan loss allowance to noncurrent loans | 378.9083% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 1,312 |
| Noncurrent loans to loans | 0.4861% | 1,656 |
| Net loans and leases to total assets | 87.4742% | 57 |
| Net loans and leases to deposits | 104.4803% | 156 |
| Net loans and leases to core deposits | 122.6867% | 173 |
| Total domestic deposits to total assets | 83.7232% | 3,739 |
| Equity capital to assets | 12.6929% | 723 |
| Core capital (leverage) ratio | 12.8657% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5784% | 1,553 |
| Memoranda: | ||
| Average total assets | $430,296,667 | 1,938 |
| Average earning assets | $418,923,000 | 1,885 |
| Average equity | $53,580,000 | 1,597 |
| Average total loans | $356,624,667 | 1,510 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6955% | 228 |
| Cost of funding earning assets | 0.4736% | 567 |
| Net interest margin | 4.2219% | 274 |
| Noninterest income to average assets | 0.4097% | 2,625 |
| Noninterest expense to average assets | 2.3001% | 2,500 |
| Loan and lease loss provision to assets | 0.1169% | 713 |
| Net operating income to assets | 1.5705% | 554 |
| Return on assets (ROA) | 1.5705% | 546 |
| Pretax return on assets | 2.1037% | 298 |
| Return on Equity (ROE) | 12.7384% | 1,099 |
| Retained earnings to average equity (ytd only) | 12.7384% | 496 |
| Net charge-offs to loans | -0.0610% | 4,327 |
| Credit loss provision to net charge-offs | -240.3846% | 3,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8794% | 4,265 |
| Assets per employee ($millions) | 8.4391% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 636 |
| Loan loss allowance to noncurrent loans | 434.1603% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,650 |
| Noncurrent loans to loans | 0.4565% | 1,883 |
| Net loans and leases to total assets | 78.4319% | 346 |
| Net loans and leases to deposits | 95.0636% | 313 |
| Net loans and leases to core deposits | 111.8527% | 223 |
| Total domestic deposits to total assets | 82.5047% | 4,017 |
| Equity capital to assets | 12.4448% | 824 |
| Core capital (leverage) ratio | 12.5580% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6173% | 1,360 |
| Memoranda: | ||
| Average total assets | $427,626,000 | 1,955 |
| Average earning assets | $416,401,500 | 1,900 |
| Average equity | $52,722,500 | 1,658 |
| Average total loans | $340,826,500 | 1,549 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 271 |
| Cost of funding earning assets | 0.7138% | 305 |
| Net interest margin | 4.2544% | 445 |
| Noninterest income to average assets | 0.3462% | 3,352 |
| Noninterest expense to average assets | 2.1654% | 3,190 |
| Loan and lease loss provision to assets | 0.2796% | 305 |
| Net operating income to assets | 1.5491% | 915 |
| Return on assets (ROA) | 1.5491% | 948 |
| Pretax return on assets | 2.0455% | 557 |
| Return on Equity (ROE) | 13.0940% | 1,431 |
| Retained earnings to average equity (ytd only) | 13.0940% | 386 |
| Net charge-offs to loans | 0.0318% | 1,605 |
| Credit loss provision to net charge-offs | 1,074.7664% | 509 |
| Earnings coverage of net charge-offs (x) | 89.3832% | 934 |
| Efficiency ratio | 48.2215% | 4,388 |
| Assets per employee ($millions) | 9.2360% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9709% | 635 |
| Loan loss allowance to noncurrent loans | 386.0046% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 1,542 |
| Noncurrent loans to loans | 0.5106% | 1,843 |
| Net loans and leases to total assets | 77.8177% | 388 |
| Net loans and leases to deposits | 94.8255% | 352 |
| Net loans and leases to core deposits | 112.7425% | 245 |
| Total domestic deposits to total assets | 82.0641% | 3,959 |
| Equity capital to assets | 12.2119% | 1,166 |
| Core capital (leverage) ratio | 12.2685% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1446% | 1,230 |
| Memoranda: | ||
| Average total assets | $411,332,000 | 1,953 |
| Average earning assets | $400,693,400 | 1,905 |
| Average equity | $48,663,600 | 1,803 |
| Average total loans | $336,974,800 | 1,566 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 280 |
| Cost of funding earning assets | 0.7635% | 290 |
| Net interest margin | 4.2733% | 481 |
| Noninterest income to average assets | 0.3971% | 3,098 |
| Noninterest expense to average assets | 2.1701% | 3,167 |
| Loan and lease loss provision to assets | 0.3268% | 231 |
| Net operating income to assets | 1.5374% | 1,173 |
| Return on assets (ROA) | 1.5374% | 1,223 |
| Pretax return on assets | 2.0636% | 717 |
| Return on Equity (ROE) | 13.1049% | 1,667 |
| Retained earnings to average equity (ytd only) | 13.1049% | 622 |
| Net charge-offs to loans | 0.0416% | 1,267 |
| Credit loss provision to net charge-offs | 952.3810% | 525 |
| Earnings coverage of net charge-offs (x) | 69.6571% | 1,067 |
| Efficiency ratio | 47.5849% | 4,400 |
| Assets per employee ($millions) | 8.9587% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9016% | 767 |
| Loan loss allowance to noncurrent loans | 285.2128% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 1,370 |
| Noncurrent loans to loans | 0.6667% | 1,641 |
| Net loans and leases to total assets | 79.6365% | 312 |
| Net loans and leases to deposits | 95.2510% | 371 |
| Net loans and leases to core deposits | 114.1536% | 251 |
| Total domestic deposits to total assets | 83.6070% | 3,561 |
| Equity capital to assets | 11.9259% | 1,431 |
| Core capital (leverage) ratio | 11.8646% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3520% | 1,529 |
| Memoranda: | ||
| Average total assets | $407,950,750 | 1,983 |
| Average earning assets | $397,469,750 | 1,934 |
| Average equity | $47,858,750 | 1,850 |
| Average total loans | $336,903,250 | 1,596 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 321 |
| Cost of funding earning assets | 0.8097% | 281 |
| Net interest margin | 4.2381% | 545 |
| Noninterest income to average assets | 0.5134% | 2,571 |
| Noninterest expense to average assets | 2.2072% | 3,073 |
| Loan and lease loss provision to assets | 0.3221% | 250 |
| Net operating income to assets | 1.5729% | 1,110 |
| Return on assets (ROA) | 1.5729% | 1,170 |
| Pretax return on assets | 2.1111% | 674 |
| Return on Equity (ROE) | 13.4853% | 1,567 |
| Retained earnings to average equity (ytd only) | 13.4853% | 639 |
| Net charge-offs to loans | -0.0006% | 3,052 |
| Credit loss provision to net charge-offs | -65,000.0000% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5651% | 4,419 |
| Assets per employee ($millions) | 9.1744% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 890 |
| Loan loss allowance to noncurrent loans | 325.9510% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 1,766 |
| Noncurrent loans to loans | 0.5507% | 2,021 |
| Net loans and leases to total assets | 81.0831% | 260 |
| Net loans and leases to deposits | 96.6076% | 365 |
| Net loans and leases to core deposits | 114.7103% | 280 |
| Total domestic deposits to total assets | 83.9303% | 3,465 |
| Equity capital to assets | 11.5358% | 1,606 |
| Core capital (leverage) ratio | 11.7388% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2090% | 1,559 |
| Memoranda: | ||
| Average total assets | $403,581,667 | 1,988 |
| Average earning assets | $393,009,000 | 1,944 |
| Average equity | $47,073,333 | 1,866 |
| Average total loans | $335,265,667 | 1,611 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0268% | 341 |
| Cost of funding earning assets | 0.8776% | 249 |
| Net interest margin | 4.1492% | 666 |
| Noninterest income to average assets | 0.4240% | 2,963 |
| Noninterest expense to average assets | 2.0945% | 3,440 |
| Loan and lease loss provision to assets | 0.3043% | 304 |
| Net operating income to assets | 1.5367% | 1,248 |
| Return on assets (ROA) | 1.5367% | 1,312 |
| Pretax return on assets | 2.0631% | 852 |
| Return on Equity (ROE) | 13.0976% | 1,647 |
| Retained earnings to average equity (ytd only) | 13.0976% | 893 |
| Net charge-offs to loans | -0.0012% | 3,061 |
| Credit loss provision to net charge-offs | -30,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9425% | 4,411 |
| Assets per employee ($millions) | 8.6447% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 856 |
| Loan loss allowance to noncurrent loans | 315.7754% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 1,945 |
| Noncurrent loans to loans | 0.5739% | 2,133 |
| Net loans and leases to total assets | 78.7507% | 419 |
| Net loans and leases to deposits | 94.1550% | 483 |
| Net loans and leases to core deposits | 113.8856% | 324 |
| Total domestic deposits to total assets | 83.6394% | 3,535 |
| Equity capital to assets | 11.5742% | 1,498 |
| Core capital (leverage) ratio | 11.9037% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8820% | 1,334 |
| Memoranda: | ||
| Average total assets | $394,360,500 | 2,013 |
| Average earning assets | $383,785,000 | 1,955 |
| Average equity | $46,268,000 | 1,878 |
| Average total loans | $328,676,000 | 1,637 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9200% | 577 |
| Cost of funding earning assets | 1.2681% | 206 |
| Net interest margin | 3.6519% | 1,974 |
| Noninterest income to average assets | 0.2207% | 4,172 |
| Noninterest expense to average assets | 2.0408% | 4,062 |
| Loan and lease loss provision to assets | 0.3336% | 1,063 |
| Net operating income to assets | 1.0354% | 2,157 |
| Return on assets (ROA) | 1.0372% | 2,290 |
| Pretax return on assets | 1.3922% | 1,683 |
| Return on Equity (ROE) | 9.0629% | 2,368 |
| Retained earnings to average equity (ytd only) | 9.0629% | 759 |
| Net charge-offs to loans | 0.0669% | 1,823 |
| Credit loss provision to net charge-offs | 615.0485% | 1,086 |
| Earnings coverage of net charge-offs (x) | 31.7718% | 1,560 |
| Efficiency ratio | 54.2148% | 4,189 |
| Assets per employee ($millions) | 8.1296% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 1,062 |
| Loan loss allowance to noncurrent loans | 270.7729% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 1,870 |
| Noncurrent loans to loans | 0.6245% | 2,132 |
| Net loans and leases to total assets | 85.2885% | 117 |
| Net loans and leases to deposits | 102.4935% | 301 |
| Net loans and leases to core deposits | 125.9612% | 242 |
| Total domestic deposits to total assets | 83.2136% | 3,351 |
| Equity capital to assets | 11.8881% | 1,627 |
| Core capital (leverage) ratio | 11.5653% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4107% | 1,423 |
| Memoranda: | ||
| Average total assets | $379,762,000 | 1,923 |
| Average earning assets | $368,497,600 | 1,875 |
| Average equity | $43,462,800 | 1,891 |
| Average total loans | $308,004,200 | 1,653 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 829 |
| Cost of funding earning assets | 1.3399% | 202 |
| Net interest margin | 3.4985% | 2,591 |
| Noninterest income to average assets | 0.2412% | 4,039 |
| Noninterest expense to average assets | 1.9631% | 4,229 |
| Loan and lease loss provision to assets | 0.3091% | 1,293 |
| Net operating income to assets | 1.0144% | 2,280 |
| Return on assets (ROA) | 1.0144% | 2,412 |
| Pretax return on assets | 1.3615% | 1,847 |
| Return on Equity (ROE) | 8.9512% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.9512% | 994 |
| Net charge-offs to loans | -0.0018% | 3,871 |
| Credit loss provision to net charge-offs | -21,975.0000% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0255% | 4,143 |
| Assets per employee ($millions) | 8.7579% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 1,020 |
| Loan loss allowance to noncurrent loans | 93.8917% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4884% | 577 |
| Noncurrent loans to loans | 1.7355% | 776 |
| Net loans and leases to total assets | 83.1134% | 348 |
| Net loans and leases to deposits | 98.9389% | 578 |
| Net loans and leases to core deposits | 121.8524% | 374 |
| Total domestic deposits to total assets | 84.0048% | 2,821 |
| Equity capital to assets | 11.2582% | 2,184 |
| Core capital (leverage) ratio | 11.9724% | 1,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9699% | 1,506 |
| Memoranda: | ||
| Average total assets | $379,180,250 | 1,909 |
| Average earning assets | $367,688,250 | 1,854 |
| Average equity | $42,972,750 | 1,898 |
| Average total loans | $302,134,500 | 1,673 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 793 |
| Cost of funding earning assets | 1.4529% | 186 |
| Net interest margin | 3.5707% | 2,576 |
| Noninterest income to average assets | 0.1497% | 4,556 |
| Noninterest expense to average assets | 1.9294% | 4,365 |
| Loan and lease loss provision to assets | 0.2694% | 1,591 |
| Net operating income to assets | 1.0502% | 2,146 |
| Return on assets (ROA) | 1.0502% | 2,283 |
| Pretax return on assets | 1.4094% | 1,706 |
| Return on Equity (ROE) | 9.2455% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.2455% | 948 |
| Net charge-offs to loans | -0.0021% | 3,826 |
| Credit loss provision to net charge-offs | -16,800.0000% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4736% | 4,232 |
| Assets per employee ($millions) | 8.7651% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 760 |
| Loan loss allowance to noncurrent loans | 90.3884% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.4548% | 655 |
| Noncurrent loans to loans | 1.9194% | 715 |
| Net loans and leases to total assets | 72.5183% | 1,622 |
| Net loans and leases to deposits | 86.1886% | 1,745 |
| Net loans and leases to core deposits | 98.3932% | 1,383 |
| Total domestic deposits to total assets | 84.1391% | 2,708 |
| Equity capital to assets | 11.0156% | 2,329 |
| Core capital (leverage) ratio | 11.2369% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0684% | 1,234 |
| Memoranda: | ||
| Average total assets | $374,205,333 | 1,908 |
| Average earning assets | $362,449,333 | 1,845 |
| Average equity | $42,507,333 | 1,903 |
| Average total loans | $291,852,667 | 1,700 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 417 |
| Cost of funding earning assets | 1.5846% | 200 |
| Net interest margin | 3.8639% | 1,781 |
| Noninterest income to average assets | 0.1626% | 4,558 |
| Noninterest expense to average assets | 2.1291% | 4,160 |
| Loan and lease loss provision to assets | 0.1417% | 1,967 |
| Net operating income to assets | 1.2151% | 1,467 |
| Return on assets (ROA) | 1.2151% | 1,579 |
| Pretax return on assets | 1.6315% | 989 |
| Return on Equity (ROE) | 10.5242% | 1,560 |
| Retained earnings to average equity (ytd only) | 10.5242% | 637 |
| Net charge-offs to loans | -0.0027% | 3,710 |
| Credit loss provision to net charge-offs | -6,450.0000% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5608% | 4,354 |
| Assets per employee ($millions) | 8.2816% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 1,022 |
| Loan loss allowance to noncurrent loans | 314.5357% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 2,706 |
| Noncurrent loans to loans | 0.5149% | 2,721 |
| Net loans and leases to total assets | 76.1940% | 1,268 |
| Net loans and leases to deposits | 91.4011% | 1,354 |
| Net loans and leases to core deposits | 104.8532% | 1,127 |
| Total domestic deposits to total assets | 83.3623% | 2,996 |
| Equity capital to assets | 11.4283% | 2,502 |
| Core capital (leverage) ratio | 11.7652% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2198% | 1,549 |
| Memoranda: | ||
| Average total assets | $364,093,000 | 1,908 |
| Average earning assets | $352,393,500 | 1,841 |
| Average equity | $42,036,500 | 1,910 |
| Average total loans | $292,237,000 | 1,670 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0023% | 226 |
| Cost of funding earning assets | 1.6840% | 203 |
| Net interest margin | 4.3182% | 1,054 |
| Noninterest income to average assets | 0.2458% | 4,211 |
| Noninterest expense to average assets | 2.3319% | 3,864 |
| Loan and lease loss provision to assets | 0.2329% | 819 |
| Net operating income to assets | 1.4148% | 1,294 |
| Return on assets (ROA) | 1.4148% | 1,369 |
| Pretax return on assets | 1.8700% | 793 |
| Return on Equity (ROE) | 12.5963% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.5963% | 194 |
| Net charge-offs to loans | 0.0236% | 2,931 |
| Credit loss provision to net charge-offs | 1,138.8060% | 304 |
| Earnings coverage of net charge-offs (x) | 102.8060% | 664 |
| Efficiency ratio | 52.5816% | 4,563 |
| Assets per employee ($millions) | 8.2678% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5356% | 1,123 |
| Loan loss allowance to noncurrent loans | 242.9412% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,182 |
| Noncurrent loans to loans | 0.6321% | 2,303 |
| Net loans and leases to total assets | 81.9386% | 567 |
| Net loans and leases to deposits | 98.9128% | 677 |
| Net loans and leases to core deposits | 112.0038% | 758 |
| Total domestic deposits to total assets | 82.8393% | 3,251 |
| Equity capital to assets | 11.6684% | 2,373 |
| Core capital (leverage) ratio | 12.1136% | 1,706 |
| Tier 1 risk-based capital ratio | 14.4829% | 3,026 |
| Total risk-based capital ratio | 15.7369% | 2,924 |
| Memoranda: | ||
| Average total assets | $327,545,000 | 1,997 |
| Average earning assets | $317,747,200 | 1,928 |
| Average equity | $36,788,600 | 2,059 |
| Average total loans | $283,539,000 | 1,675 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0379% | 222 |
| Cost of funding earning assets | 1.6943% | 206 |
| Net interest margin | 4.3436% | 1,069 |
| Noninterest income to average assets | 0.2608% | 4,180 |
| Noninterest expense to average assets | 2.3900% | 3,717 |
| Loan and lease loss provision to assets | 0.2550% | 632 |
| Net operating income to assets | 1.3655% | 1,592 |
| Return on assets (ROA) | 1.3655% | 1,659 |
| Pretax return on assets | 1.8330% | 1,010 |
| Return on Equity (ROE) | 12.2904% | 1,518 |
| Retained earnings to average equity (ytd only) | 12.2904% | 350 |
| Net charge-offs to loans | 0.0162% | 2,825 |
| Credit loss provision to net charge-offs | 1,802.9412% | 213 |
| Earnings coverage of net charge-offs (x) | 147.6543% | 548 |
| Efficiency ratio | 53.3717% | 4,457 |
| Assets per employee ($millions) | 7.7125% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 1,199 |
| Loan loss allowance to noncurrent loans | 222.1888% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 2,242 |
| Noncurrent loans to loans | 0.6837% | 2,253 |
| Net loans and leases to total assets | 84.5497% | 290 |
| Net loans and leases to deposits | 102.4908% | 479 |
| Net loans and leases to core deposits | 115.9216% | 659 |
| Total domestic deposits to total assets | 82.4949% | 3,318 |
| Equity capital to assets | 11.8264% | 2,394 |
| Core capital (leverage) ratio | 11.9174% | 1,909 |
| Tier 1 risk-based capital ratio | 15.1482% | 2,782 |
| Total risk-based capital ratio | 16.4036% | 2,711 |
| Memoranda: | ||
| Average total assets | $320,552,500 | 2,046 |
| Average earning assets | $311,225,500 | 1,965 |
| Average equity | $35,615,000 | 2,124 |
| Average total loans | $280,462,000 | 1,702 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9488% | 260 |
| Cost of funding earning assets | 1.6724% | 204 |
| Net interest margin | 4.2763% | 1,191 |
| Noninterest income to average assets | 0.1171% | 4,976 |
| Noninterest expense to average assets | 2.3755% | 3,803 |
| Loan and lease loss provision to assets | 0.2469% | 629 |
| Net operating income to assets | 1.2307% | 2,034 |
| Return on assets (ROA) | 1.2307% | 2,092 |
| Pretax return on assets | 1.6520% | 1,389 |
| Return on Equity (ROE) | 11.3401% | 1,849 |
| Retained earnings to average equity (ytd only) | 11.3401% | 506 |
| Net charge-offs to loans | 0.0253% | 2,348 |
| Credit loss provision to net charge-offs | 1,108.5714% | 314 |
| Earnings coverage of net charge-offs (x) | 85.2571% | 777 |
| Efficiency ratio | 55.5754% | 4,296 |
| Assets per employee ($millions) | 7.4124% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,557 |
| Loan loss allowance to noncurrent loans | 222.2222% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 2,266 |
| Noncurrent loans to loans | 0.6362% | 2,349 |
| Net loans and leases to total assets | 87.8006% | 120 |
| Net loans and leases to deposits | 106.3753% | 324 |
| Net loans and leases to core deposits | 118.3676% | 590 |
| Total domestic deposits to total assets | 82.5385% | 3,359 |
| Equity capital to assets | 11.6274% | 2,502 |
| Core capital (leverage) ratio | 12.0636% | 1,791 |
| Tier 1 risk-based capital ratio | 14.3137% | 3,155 |
| Total risk-based capital ratio | 15.5674% | 3,075 |
| Memoranda: | ||
| Average total assets | $314,286,000 | 2,088 |
| Average earning assets | $305,543,000 | 2,005 |
| Average equity | $34,109,000 | 2,190 |
| Average total loans | $276,833,670 | 1,727 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8672% | 275 |
| Cost of funding earning assets | 1.6499% | 193 |
| Net interest margin | 4.2173% | 1,269 |
| Noninterest income to average assets | 0.0131% | 5,290 |
| Noninterest expense to average assets | 2.4224% | 3,709 |
| Loan and lease loss provision to assets | 0.2101% | 751 |
| Net operating income to assets | 1.1068% | 2,440 |
| Return on assets (ROA) | 1.1068% | 2,489 |
| Pretax return on assets | 1.4850% | 1,821 |
| Return on Equity (ROE) | 10.6133% | 2,116 |
| Retained earnings to average equity (ytd only) | 10.6133% | 900 |
| Net charge-offs to loans | 0.0540% | 1,514 |
| Credit loss provision to net charge-offs | 444.4444% | 652 |
| Earnings coverage of net charge-offs (x) | 35.8611% | 1,224 |
| Efficiency ratio | 58.8329% | 3,974 |
| Assets per employee ($millions) | 7.0561% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,402 |
| Loan loss allowance to noncurrent loans | 237.6421% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 2,243 |
| Noncurrent loans to loans | 0.6213% | 2,465 |
| Net loans and leases to total assets | 85.3437% | 249 |
| Net loans and leases to deposits | 100.3025% | 612 |
| Net loans and leases to core deposits | 108.3790% | 1,036 |
| Total domestic deposits to total assets | 85.0864% | 2,652 |
| Equity capital to assets | 10.3692% | 3,452 |
| Core capital (leverage) ratio | 10.4256% | 3,138 |
| Tier 1 risk-based capital ratio | 12.7438% | 4,012 |
| Total risk-based capital ratio | 13.9978% | 3,909 |
| Memoranda: | ||
| Average total assets | $304,650,500 | 2,173 |
| Average earning assets | $296,495,500 | 2,069 |
| Average equity | $31,771,500 | 2,313 |
| Average total loans | $266,718,000 | 1,771 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 382 |
| Cost of funding earning assets | 1.3236% | 198 |
| Net interest margin | 4.1949% | 1,401 |
| Noninterest income to average assets | 0.4247% | 3,277 |
| Noninterest expense to average assets | 2.6006% | 3,331 |
| Loan and lease loss provision to assets | 0.1206% | 1,829 |
| Net operating income to assets | 1.3452% | 1,632 |
| Return on assets (ROA) | 1.2885% | 1,842 |
| Pretax return on assets | 1.7017% | 1,164 |
| Return on Equity (ROE) | 12.1682% | 1,656 |
| Retained earnings to average equity (ytd only) | 12.1682% | 308 |
| Net charge-offs to loans | -0.0236% | 4,740 |
| Credit loss provision to net charge-offs | -579.3103% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8594% | 4,178 |
| Assets per employee ($millions) | 6.9496% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 1,433 |
| Loan loss allowance to noncurrent loans | 210.1038% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 1,953 |
| Noncurrent loans to loans | 0.6922% | 2,258 |
| Net loans and leases to total assets | 87.2236% | 155 |
| Net loans and leases to deposits | 100.8579% | 680 |
| Net loans and leases to core deposits | 109.2445% | 1,044 |
| Total domestic deposits to total assets | 86.4817% | 2,027 |
| Equity capital to assets | 10.4891% | 3,206 |
| Core capital (leverage) ratio | 10.5142% | 3,015 |
| Tier 1 risk-based capital ratio | 12.4537% | 4,167 |
| Total risk-based capital ratio | 13.7071% | 4,036 |
| Memoranda: | ||
| Average total assets | $278,548,400 | 2,277 |
| Average earning assets | $270,256,000 | 2,194 |
| Average equity | $29,495,000 | 2,363 |
| Average total loans | $245,733,600 | 1,849 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4039% | 440 |
| Cost of funding earning assets | 1.2255% | 227 |
| Net interest margin | 4.1784% | 1,422 |
| Noninterest income to average assets | 0.4597% | 3,104 |
| Noninterest expense to average assets | 2.6376% | 3,170 |
| Loan and lease loss provision to assets | 0.1151% | 1,758 |
| Net operating income to assets | 1.2886% | 1,904 |
| Return on assets (ROA) | 1.2115% | 2,197 |
| Pretax return on assets | 1.6605% | 1,379 |
| Return on Equity (ROE) | 11.4122% | 2,011 |
| Retained earnings to average equity (ytd only) | 11.4122% | 571 |
| Net charge-offs to loans | 0.0033% | 3,354 |
| Credit loss provision to net charge-offs | 3,933.3333% | 106 |
| Earnings coverage of net charge-offs (x) | 640.3175% | 137 |
| Efficiency ratio | 58.4738% | 4,046 |
| Assets per employee ($millions) | 7.0233% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 1,441 |
| Loan loss allowance to noncurrent loans | 191.4241% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 1,976 |
| Noncurrent loans to loans | 0.7698% | 2,163 |
| Net loans and leases to total assets | 83.4764% | 517 |
| Net loans and leases to deposits | 99.0268% | 860 |
| Net loans and leases to core deposits | 107.5783% | 1,195 |
| Total domestic deposits to total assets | 84.2968% | 2,857 |
| Equity capital to assets | 10.2520% | 3,400 |
| Core capital (leverage) ratio | 10.8373% | 2,754 |
| Tier 1 risk-based capital ratio | 12.9383% | 3,944 |
| Total risk-based capital ratio | 14.1923% | 3,845 |
| Memoranda: | ||
| Average total assets | $273,477,250 | 2,317 |
| Average earning assets | $265,133,750 | 2,238 |
| Average equity | $29,032,500 | 2,399 |
| Average total loans | $241,042,000 | 1,882 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3292% | 442 |
| Cost of funding earning assets | 1.1181% | 270 |
| Net interest margin | 4.2111% | 1,259 |
| Noninterest income to average assets | 0.6046% | 2,299 |
| Noninterest expense to average assets | 2.8005% | 2,656 |
| Loan and lease loss provision to assets | 0.0834% | 2,248 |
| Net operating income to assets | 1.3188% | 1,704 |
| Return on assets (ROA) | 1.2001% | 2,198 |
| Pretax return on assets | 1.6492% | 1,343 |
| Return on Equity (ROE) | 11.1632% | 2,045 |
| Retained earnings to average equity (ytd only) | 11.1632% | 638 |
| Net charge-offs to loans | -0.0328% | 4,766 |
| Credit loss provision to net charge-offs | -284.6154% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7979% | 3,967 |
| Assets per employee ($millions) | 6.1159% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 1,463 |
| Loan loss allowance to noncurrent loans | 1,044.3478% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 3,921 |
| Noncurrent loans to loans | 0.1416% | 4,262 |
| Net loans and leases to total assets | 89.2074% | 98 |
| Net loans and leases to deposits | 108.6098% | 329 |
| Net loans and leases to core deposits | 127.5406% | 378 |
| Total domestic deposits to total assets | 82.1356% | 3,671 |
| Equity capital to assets | 10.9086% | 2,723 |
| Core capital (leverage) ratio | 11.3463% | 2,207 |
| Tier 1 risk-based capital ratio | 13.1593% | 3,816 |
| Total risk-based capital ratio | 14.4140% | 3,728 |
| Memoranda: | ||
| Average total assets | $266,310,330 | 2,372 |
| Average earning assets | $257,939,000 | 2,295 |
| Average equity | $28,629,670 | 2,435 |
| Average total loans | $238,082,670 | 1,906 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4567% | 299 |
| Cost of funding earning assets | 1.0804% | 249 |
| Net interest margin | 4.3763% | 808 |
| Noninterest income to average assets | 0.8244% | 1,379 |
| Noninterest expense to average assets | 2.8371% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6126% | 830 |
| Return on assets (ROA) | 1.6126% | 832 |
| Pretax return on assets | 2.2196% | 366 |
| Return on Equity (ROE) | 15.1130% | 784 |
| Retained earnings to average equity (ytd only) | 15.1130% | 319 |
| Net charge-offs to loans | -0.0884% | 5,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1063% | 4,564 |
| Assets per employee ($millions) | 6.2610% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,510 |
| Loan loss allowance to noncurrent loans | 952.1739% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,238 |
| Noncurrent loans to loans | 0.1560% | 4,284 |
| Net loans and leases to total assets | 86.3216% | 236 |
| Net loans and leases to deposits | 102.8583% | 545 |
| Net loans and leases to core deposits | 121.5855% | 539 |
| Total domestic deposits to total assets | 83.9229% | 3,354 |
| Equity capital to assets | 10.6719% | 2,892 |
| Core capital (leverage) ratio | 11.0615% | 2,369 |
| Tier 1 risk-based capital ratio | 12.9615% | 3,967 |
| Total risk-based capital ratio | 14.2156% | 3,867 |
| Memoranda: | ||
| Average total assets | $264,915,500 | 2,403 |
| Average earning assets | $256,198,000 | 2,320 |
| Average equity | $28,267,000 | 2,482 |
| Average total loans | $235,294,000 | 1,929 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3140% | 353 |
| Cost of funding earning assets | 1.0281% | 185 |
| Net interest margin | 4.2858% | 994 |
| Noninterest income to average assets | 0.5905% | 2,495 |
| Noninterest expense to average assets | 2.8223% | 2,703 |
| Loan and lease loss provision to assets | 0.3625% | 426 |
| Net operating income to assets | 1.0774% | 1,950 |
| Return on assets (ROA) | 1.0774% | 1,969 |
| Pretax return on assets | 1.5410% | 1,483 |
| Return on Equity (ROE) | 9.9968% | 1,886 |
| Retained earnings to average equity (ytd only) | 9.9968% | 348 |
| Net charge-offs to loans | 0.0009% | 4,099 |
| Credit loss provision to net charge-offs | 45,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 2,363.0000% | 27 |
| Efficiency ratio | 59.7204% | 4,301 |
| Assets per employee ($millions) | 6.0620% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4709% | 1,505 |
| Loan loss allowance to noncurrent loans | 725.2101% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 2,640 |
| Noncurrent loans to loans | 0.2028% | 4,101 |
| Net loans and leases to total assets | 88.7093% | 109 |
| Net loans and leases to deposits | 104.0048% | 491 |
| Net loans and leases to core deposits | 126.3309% | 425 |
| Total domestic deposits to total assets | 85.2935% | 2,727 |
| Equity capital to assets | 10.6780% | 2,961 |
| Core capital (leverage) ratio | 10.6153% | 2,723 |
| Tier 1 risk-based capital ratio | 12.4529% | 4,237 |
| Total risk-based capital ratio | 13.7067% | 4,138 |
| Memoranda: | ||
| Average total assets | $248,274,000 | 2,501 |
| Average earning assets | $239,558,000 | 2,425 |
| Average equity | $26,758,600 | 2,559 |
| Average total loans | $217,019,000 | 2,020 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3183% | 333 |
| Cost of funding earning assets | 1.0050% | 192 |
| Net interest margin | 4.3133% | 889 |
| Noninterest income to average assets | 0.6205% | 2,360 |
| Noninterest expense to average assets | 2.7555% | 2,877 |
| Loan and lease loss provision to assets | 0.4622% | 272 |
| Net operating income to assets | 1.4368% | 1,015 |
| Return on assets (ROA) | 1.4368% | 1,032 |
| Pretax return on assets | 1.5640% | 1,532 |
| Return on Equity (ROE) | 13.2979% | 986 |
| Retained earnings to average equity (ytd only) | 13.2979% | 195 |
| Net charge-offs to loans | -0.0721% | 5,284 |
| Credit loss provision to net charge-offs | -739.1304% | 4,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6254% | 4,551 |
| Assets per employee ($millions) | 6.6974% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 1,335 |
| Loan loss allowance to noncurrent loans | 688.8454% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 2,340 |
| Noncurrent loans to loans | 0.2263% | 4,161 |
| Net loans and leases to total assets | 85.1137% | 327 |
| Net loans and leases to deposits | 97.7072% | 950 |
| Net loans and leases to core deposits | 118.1061% | 651 |
| Total domestic deposits to total assets | 87.1110% | 1,823 |
| Equity capital to assets | 10.6501% | 3,214 |
| Core capital (leverage) ratio | 10.7173% | 2,742 |
| Tier 1 risk-based capital ratio | 12.6194% | 4,250 |
| Total risk-based capital ratio | 13.8737% | 4,146 |
| Memoranda: | ||
| Average total assets | $245,175,750 | 2,544 |
| Average earning assets | $236,535,500 | 2,470 |
| Average equity | $26,489,750 | 2,601 |
| Average total loans | $212,601,750 | 2,066 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2568% | 357 |
| Cost of funding earning assets | 0.9688% | 200 |
| Net interest margin | 4.2880% | 888 |
| Noninterest income to average assets | 0.8814% | 1,325 |
| Noninterest expense to average assets | 2.8636% | 2,528 |
| Loan and lease loss provision to assets | 0.5504% | 205 |
| Net operating income to assets | 1.6086% | 691 |
| Return on assets (ROA) | 1.6086% | 712 |
| Pretax return on assets | 1.6086% | 1,315 |
| Return on Equity (ROE) | 14.8117% | 692 |
| Retained earnings to average equity (ytd only) | 14.8117% | 149 |
| Net charge-offs to loans | -0.1499% | 5,525 |
| Credit loss provision to net charge-offs | -423.0769% | 4,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0148% | 4,707 |
| Assets per employee ($millions) | 6.5890% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 1,485 |
| Loan loss allowance to noncurrent loans | 459.4005% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 2,031 |
| Noncurrent loans to loans | 0.3327% | 3,849 |
| Net loans and leases to total assets | 86.7542% | 223 |
| Net loans and leases to deposits | 99.9098% | 745 |
| Net loans and leases to core deposits | 120.3598% | 547 |
| Total domestic deposits to total assets | 86.8325% | 2,026 |
| Equity capital to assets | 10.8322% | 2,998 |
| Core capital (leverage) ratio | 10.9467% | 2,461 |
| Tier 1 risk-based capital ratio | 12.6364% | 4,222 |
| Total risk-based capital ratio | 13.8903% | 4,133 |
| Memoranda: | ||
| Average total assets | $239,834,330 | 2,594 |
| Average earning assets | $231,625,000 | 2,511 |
| Average equity | $26,047,000 | 2,630 |
| Average total loans | $208,190,000 | 2,102 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 223 |
| Cost of funding earning assets | 0.9467% | 216 |
| Net interest margin | 4.5569% | 469 |
| Noninterest income to average assets | 0.3240% | 4,226 |
| Noninterest expense to average assets | 2.7370% | 3,004 |
| Loan and lease loss provision to assets | 0.7333% | 139 |
| Net operating income to assets | 1.2534% | 1,368 |
| Return on assets (ROA) | 1.2534% | 1,400 |
| Pretax return on assets | 1.2534% | 2,403 |
| Return on Equity (ROE) | 11.5251% | 1,398 |
| Retained earnings to average equity (ytd only) | 11.5251% | 531 |
| Net charge-offs to loans | -0.0852% | 5,396 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9422% | 4,723 |
| Assets per employee ($millions) | 5.7180% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,914 |
| Loan loss allowance to noncurrent loans | 230.1901% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,006 |
| Noncurrent loans to loans | 0.6245% | 2,953 |
| Net loans and leases to total assets | 86.4181% | 190 |
| Net loans and leases to deposits | 100.1143% | 608 |
| Net loans and leases to core deposits | 121.4509% | 427 |
| Total domestic deposits to total assets | 86.3194% | 2,526 |
| Equity capital to assets | 10.7700% | 2,892 |
| Core capital (leverage) ratio | 11.2342% | 2,159 |
| Tier 1 risk-based capital ratio | 13.2174% | 3,935 |
| Total risk-based capital ratio | 14.4706% | 3,854 |
| Memoranda: | ||
| Average total assets | $234,560,500 | 2,663 |
| Average earning assets | $226,467,500 | 2,590 |
| Average equity | $25,509,500 | 2,680 |
| Average total loans | $201,990,500 | 2,161 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 553 |
| Cost of funding earning assets | 0.8775% | 331 |
| Net interest margin | 4.1644% | 1,200 |
| Noninterest income to average assets | 0.5679% | 2,829 |
| Noninterest expense to average assets | 3.3633% | 1,433 |
| Loan and lease loss provision to assets | 0.2177% | 1,017 |
| Net operating income to assets | 0.9922% | 2,382 |
| Return on assets (ROA) | 0.9922% | 2,487 |
| Pretax return on assets | 0.9922% | 3,502 |
| Return on Equity (ROE) | 8.6024% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.6024% | 665 |
| Net charge-offs to loans | -0.1599% | 5,696 |
| Credit loss provision to net charge-offs | -166.0584% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5433% | 2,345 |
| Assets per employee ($millions) | 5.3247% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 2,423 |
| Loan loss allowance to noncurrent loans | 189.6808% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 1,942 |
| Noncurrent loans to loans | 0.6964% | 2,802 |
| Net loans and leases to total assets | 83.3581% | 444 |
| Net loans and leases to deposits | 98.5399% | 778 |
| Net loans and leases to core deposits | 121.1748% | 453 |
| Total domestic deposits to total assets | 84.5932% | 3,211 |
| Equity capital to assets | 10.9860% | 2,637 |
| Core capital (leverage) ratio | 11.0742% | 2,281 |
| Tier 1 risk-based capital ratio | 13.3187% | 3,886 |
| Total risk-based capital ratio | 14.5702% | 3,791 |
| Memoranda: | ||
| Average total assets | $209,023,400 | 2,861 |
| Average earning assets | $201,035,000 | 2,776 |
| Average equity | $24,109,600 | 2,790 |
| Average total loans | $171,329,800 | 2,400 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 549 |
| Cost of funding earning assets | 0.8603% | 363 |
| Net interest margin | 4.1833% | 1,168 |
| Noninterest income to average assets | 0.4653% | 3,458 |
| Noninterest expense to average assets | 3.3209% | 1,518 |
| Loan and lease loss provision to assets | 0.2091% | 1,009 |
| Net operating income to assets | 0.9547% | 2,630 |
| Return on assets (ROA) | 0.9547% | 2,771 |
| Pretax return on assets | 0.9547% | 3,795 |
| Return on Equity (ROE) | 8.1680% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.1680% | 1,105 |
| Net charge-offs to loans | -0.1584% | 5,703 |
| Credit loss provision to net charge-offs | -162.4365% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0492% | 2,278 |
| Assets per employee ($millions) | 5.0192% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,782 |
| Loan loss allowance to noncurrent loans | 140.7808% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 1,441 |
| Noncurrent loans to loans | 0.9111% | 2,423 |
| Net loans and leases to total assets | 79.8720% | 908 |
| Net loans and leases to deposits | 95.8230% | 1,064 |
| Net loans and leases to core deposits | 107.1531% | 1,105 |
| Total domestic deposits to total assets | 83.3538% | 3,464 |
| Equity capital to assets | 10.9340% | 3,082 |
| Core capital (leverage) ratio | 11.5164% | 2,019 |
| Tier 1 risk-based capital ratio | 13.5914% | 3,808 |
| Total risk-based capital ratio | 14.8422% | 3,719 |
| Memoranda: | ||
| Average total assets | $204,038,250 | 2,922 |
| Average earning assets | $196,042,250 | 2,845 |
| Average equity | $23,848,500 | 2,830 |
| Average total loans | $165,808,500 | 2,460 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0466% | 538 |
| Cost of funding earning assets | 0.8485% | 381 |
| Net interest margin | 4.1981% | 1,118 |
| Noninterest income to average assets | 0.5499% | 2,903 |
| Noninterest expense to average assets | 3.4509% | 1,261 |
| Loan and lease loss provision to assets | 0.2084% | 1,026 |
| Net operating income to assets | 0.9189% | 2,775 |
| Return on assets (ROA) | 0.9189% | 2,909 |
| Pretax return on assets | 0.9189% | 3,882 |
| Return on Equity (ROE) | 7.6721% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.6721% | 1,301 |
| Net charge-offs to loans | -0.1948% | 5,805 |
| Credit loss provision to net charge-offs | -131.4103% | 4,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3774% | 2,168 |
| Assets per employee ($millions) | 5.0276% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 3,031 |
| Loan loss allowance to noncurrent loans | 145.1891% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.3393% | 1,495 |
| Noncurrent loans to loans | 0.8663% | 2,575 |
| Net loans and leases to total assets | 81.3460% | 704 |
| Net loans and leases to deposits | 96.3344% | 1,047 |
| Net loans and leases to core deposits | 125.2158% | 387 |
| Total domestic deposits to total assets | 84.4413% | 3,110 |
| Equity capital to assets | 11.4282% | 2,618 |
| Core capital (leverage) ratio | 11.7096% | 1,839 |
| Tier 1 risk-based capital ratio | 13.8994% | 3,661 |
| Total risk-based capital ratio | 15.1497% | 3,581 |
| Memoranda: | ||
| Average total assets | $196,762,670 | 3,018 |
| Average earning assets | $188,799,670 | 2,940 |
| Average equity | $23,566,000 | 2,867 |
| Average total loans | $160,162,330 | 2,530 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 701 |
| Cost of funding earning assets | 0.8431% | 398 |
| Net interest margin | 4.0502% | 1,478 |
| Noninterest income to average assets | 0.3650% | 4,107 |
| Noninterest expense to average assets | 3.4965% | 1,187 |
| Loan and lease loss provision to assets | 0.1899% | 1,042 |
| Net operating income to assets | 0.5613% | 4,361 |
| Return on assets (ROA) | 0.5613% | 4,466 |
| Pretax return on assets | 0.5613% | 4,920 |
| Return on Equity (ROE) | 4.5699% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.5699% | 3,194 |
| Net charge-offs to loans | -0.0600% | 5,414 |
| Credit loss provision to net charge-offs | -391.3043% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3150% | 1,345 |
| Assets per employee ($millions) | 4.5578% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,651 |
| Loan loss allowance to noncurrent loans | 71.1299% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.7233% | 1,110 |
| Noncurrent loans to loans | 1.6477% | 1,382 |
| Net loans and leases to total assets | 81.5291% | 623 |
| Net loans and leases to deposits | 96.9941% | 849 |
| Net loans and leases to core deposits | 110.8918% | 811 |
| Total domestic deposits to total assets | 84.0557% | 3,496 |
| Equity capital to assets | 11.6784% | 2,266 |
| Core capital (leverage) ratio | 12.5276% | 1,328 |
| Tier 1 risk-based capital ratio | 14.2570% | 3,532 |
| Total risk-based capital ratio | 15.4436% | 3,502 |
| Memoranda: | ||
| Average total assets | $189,563,500 | 3,097 |
| Average earning assets | $181,720,000 | 3,030 |
| Average equity | $23,283,000 | 2,895 |
| Average total loans | $153,264,000 | 2,604 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0197% | 601 |
| Cost of funding earning assets | 0.7492% | 642 |
| Net interest margin | 4.2705% | 1,024 |
| Noninterest income to average assets | 0.9987% | 1,184 |
| Noninterest expense to average assets | 4.2931% | 493 |
| Loan and lease loss provision to assets | 0.1590% | 1,459 |
| Net operating income to assets | 0.6293% | 4,144 |
| Return on assets (ROA) | 0.6333% | 4,212 |
| Pretax return on assets | 0.6347% | 4,724 |
| Return on Equity (ROE) | 4.1384% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.1384% | 3,055 |
| Net charge-offs to loans | -0.2839% | 6,006 |
| Credit loss provision to net charge-offs | -69.9405% | 5,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4649% | 1,138 |
| Assets per employee ($millions) | 3.7997% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,941 |
| Loan loss allowance to noncurrent loans | 64.9129% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.3182% | 698 |
| Noncurrent loans to loans | 1.9938% | 1,048 |
| Net loans and leases to total assets | 77.9814% | 1,123 |
| Net loans and leases to deposits | 94.8865% | 1,122 |
| Net loans and leases to core deposits | 106.7992% | 1,061 |
| Total domestic deposits to total assets | 82.1838% | 4,117 |
| Equity capital to assets | 12.9608% | 1,370 |
| Core capital (leverage) ratio | 12.7140% | 1,257 |
| Tier 1 risk-based capital ratio | 16.5431% | 2,456 |
| Total risk-based capital ratio | 17.7937% | 2,411 |
| Memoranda: | ||
| Average total assets | $147,794,200 | 3,607 |
| Average earning assets | $141,343,200 | 3,524 |
| Average equity | $22,617,400 | 2,913 |
| Average total loans | $118,352,600 | 3,077 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9773% | 655 |
| Cost of funding earning assets | 0.6944% | 862 |
| Net interest margin | 4.2829% | 994 |
| Noninterest income to average assets | 0.7204% | 2,147 |
| Noninterest expense to average assets | 4.2132% | 531 |
| Loan and lease loss provision to assets | 0.1951% | 1,036 |
| Net operating income to assets | 0.4092% | 5,130 |
| Return on assets (ROA) | 0.4140% | 5,197 |
| Pretax return on assets | 0.4140% | 5,440 |
| Return on Equity (ROE) | 2.5794% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.5794% | 4,585 |
| Net charge-offs to loans | -0.3290% | 6,102 |
| Credit loss provision to net charge-offs | -73.7410% | 5,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4556% | 895 |
| Assets per employee ($millions) | 3.7082% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 3,489 |
| Loan loss allowance to noncurrent loans | 53.3784% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 2.5223% | 687 |
| Noncurrent loans to loans | 2.3032% | 927 |
| Net loans and leases to total assets | 76.8477% | 1,267 |
| Net loans and leases to deposits | 94.7590% | 1,113 |
| Net loans and leases to core deposits | 106.5722% | 1,058 |
| Total domestic deposits to total assets | 81.0981% | 4,453 |
| Equity capital to assets | 12.5222% | 1,733 |
| Core capital (leverage) ratio | 12.5813% | 1,368 |
| Tier 1 risk-based capital ratio | 16.0499% | 2,774 |
| Total risk-based capital ratio | 17.2880% | 2,727 |
| Memoranda: | ||
| Average total assets | $140,096,500 | 3,755 |
| Average earning assets | $134,018,000 | 3,663 |
| Average equity | $22,485,250 | 2,941 |
| Average total loans | $112,668,500 | 3,189 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6834% | 1,106 |
| Cost of funding earning assets | 0.5858% | 1,521 |
| Net interest margin | 4.0975% | 1,357 |
| Noninterest income to average assets | 0.7463% | 2,011 |
| Noninterest expense to average assets | 4.3350% | 481 |
| Loan and lease loss provision to assets | 0.1426% | 1,530 |
| Net operating income to assets | 0.1917% | 5,715 |
| Return on assets (ROA) | 0.1917% | 5,778 |
| Pretax return on assets | 0.1917% | 5,827 |
| Return on Equity (ROE) | 1.0806% | 5,889 |
| Retained earnings to average equity (ytd only) | 1.0806% | 5,140 |
| Net charge-offs to loans | -0.0912% | 5,754 |
| Credit loss provision to net charge-offs | -191.4894% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8402% | 585 |
| Assets per employee ($millions) | 4.2852% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 4,615 |
| Loan loss allowance to noncurrent loans | 34.9925% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 2.8997% | 591 |
| Noncurrent loans to loans | 2.9973% | 663 |
| Net loans and leases to total assets | 78.5816% | 995 |
| Net loans and leases to deposits | 109.9669% | 262 |
| Net loans and leases to core deposits | 114.7310% | 637 |
| Total domestic deposits to total assets | 71.4593% | 5,960 |
| Equity capital to assets | 13.3369% | 1,244 |
| Core capital (leverage) ratio | 17.6294% | 321 |
| Tier 1 risk-based capital ratio | 16.2648% | 2,726 |
| Total risk-based capital ratio | 17.2840% | 2,794 |
| Memoranda: | ||
| Average total assets | $126,228,330 | 4,037 |
| Average earning assets | $120,853,330 | 3,933 |
| Average equity | $22,396,000 | 2,962 |
| Average total loans | $103,101,000 | 3,377 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9629% | 609 |
| Cost of funding earning assets | 0.6139% | 1,339 |
| Net interest margin | 4.3489% | 799 |
| Noninterest income to average assets | 0.6315% | 2,489 |
| Noninterest expense to average assets | 3.4864% | 1,344 |
| Loan and lease loss provision to assets | 0.1702% | 1,165 |
| Net operating income to assets | 1.1269% | 1,766 |
| Return on assets (ROA) | 1.1269% | 1,872 |
| Pretax return on assets | 1.1269% | 2,966 |
| Return on Equity (ROE) | 5.3097% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.3097% | 2,882 |
| Net charge-offs to loans | -0.0227% | 5,100 |
| Credit loss provision to net charge-offs | -900.0000% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8854% | 3,011 |
| Assets per employee ($millions) | 4.3588% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 2,795 |
| Loan loss allowance to noncurrent loans | 137.9493% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 1.4169% | 1,870 |
| Noncurrent loans to loans | 1.0355% | 2,696 |
| Net loans and leases to total assets | 82.6376% | 403 |
| Net loans and leases to deposits | 114.0695% | 157 |
| Net loans and leases to core deposits | 119.4231% | 426 |
| Total domestic deposits to total assets | 72.4450% | 6,017 |
| Equity capital to assets | 20.7312% | 195 |
| Core capital (leverage) ratio | 21.0931% | 165 |
| Tier 1 risk-based capital ratio | 24.1187% | 982 |
| Total risk-based capital ratio | 25.3724% | 966 |
| Memoranda: | ||
| Average total assets | $105,781,000 | 4,463 |
| Average earning assets | $100,990,000 | 4,372 |
| Average equity | $22,449,500 | 2,977 |
| Average total loans | $88,291,500 | 3,690 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 890 |
| Cost of funding earning assets | 0.5247% | 2,439 |
| Net interest margin | 4.3958% | 891 |
| Noninterest income to average assets | 0.7266% | 2,178 |
| Noninterest expense to average assets | 3.6825% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1971% | 1,590 |
| Return on assets (ROA) | 1.1971% | 1,658 |
| Pretax return on assets | 1.1971% | 2,662 |
| Return on Equity (ROE) | 5.0066% | 4,661 |
| Retained earnings to average equity (ytd only) | 5.0066% | 2,595 |
| Net charge-offs to loans | 0.0528% | 3,773 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 27.9231% | 1,417 |
| Efficiency ratio | 75.4674% | 2,601 |
| Assets per employee ($millions) | 3.7997% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 2,593 |
| Loan loss allowance to noncurrent loans | 130.1867% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 2.5519% | 894 |
| Noncurrent loans to loans | 1.1311% | 2,574 |
| Net loans and leases to total assets | 81.8512% | 536 |
| Net loans and leases to deposits | 115.5843% | 141 |
| Net loans and leases to core deposits | 121.0512% | 389 |
| Total domestic deposits to total assets | 70.8152% | 6,154 |
| Equity capital to assets | 21.7446% | 161 |
| Core capital (leverage) ratio | 23.1504% | 118 |
| Tier 1 risk-based capital ratio | 25.8608% | 768 |
| Total risk-based capital ratio | 27.1124% | 755 |
| Memoranda: | ||
| Average total assets | $90,970,200 | 4,813 |
| Average earning assets | $85,945,800 | 4,739 |
| Average equity | $21,751,400 | 2,978 |
| Average total loans | $73,866,000 | 4,061 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 891 |
| Cost of funding earning assets | 0.5166% | 2,589 |
| Net interest margin | 4.4043% | 877 |
| Noninterest income to average assets | 0.7116% | 2,271 |
| Noninterest expense to average assets | 3.6593% | 1,197 |
| Loan and lease loss provision to assets | 0.0303% | 3,807 |
| Net operating income to assets | 1.1779% | 1,759 |
| Return on assets (ROA) | 1.1779% | 1,829 |
| Pretax return on assets | 1.1779% | 2,870 |
| Return on Equity (ROE) | 4.7996% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.7996% | 3,215 |
| Net charge-offs to loans | 0.1765% | 2,039 |
| Credit loss provision to net charge-offs | 21.2766% | 3,569 |
| Earnings coverage of net charge-offs (x) | 8.4893% | 2,791 |
| Efficiency ratio | 75.1788% | 2,637 |
| Assets per employee ($millions) | 3.5250% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5953% | 2,317 |
| Loan loss allowance to noncurrent loans | 109.2211% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 3.0846% | 748 |
| Noncurrent loans to loans | 1.4606% | 2,230 |
| Net loans and leases to total assets | 82.1102% | 495 |
| Net loans and leases to deposits | 113.4334% | 161 |
| Net loans and leases to core deposits | 116.4742% | 488 |
| Total domestic deposits to total assets | 72.3863% | 6,145 |
| Equity capital to assets | 24.0196% | 115 |
| Core capital (leverage) ratio | 24.1549% | 101 |
| Tier 1 risk-based capital ratio | 28.8634% | 589 |
| Total risk-based capital ratio | 30.1183% | 578 |
| Memoranda: | ||
| Average total assets | $88,065,000 | 4,942 |
| Average earning assets | $83,098,750 | 4,865 |
| Average equity | $21,612,250 | 2,991 |
| Average total loans | $71,025,750 | 4,190 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 961 |
| Cost of funding earning assets | 0.5051% | 2,786 |
| Net interest margin | 4.3650% | 912 |
| Noninterest income to average assets | 0.6515% | 2,533 |
| Noninterest expense to average assets | 3.6123% | 1,275 |
| Loan and lease loss provision to assets | 0.0460% | 3,392 |
| Net operating income to assets | 1.1120% | 1,889 |
| Return on assets (ROA) | 1.1120% | 1,960 |
| Pretax return on assets | 1.1120% | 3,050 |
| Return on Equity (ROE) | 4.4976% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.4976% | 3,312 |
| Net charge-offs to loans | 0.2167% | 1,728 |
| Credit loss provision to net charge-offs | 26.6667% | 3,100 |
| Earnings coverage of net charge-offs (x) | 6.7067% | 2,733 |
| Efficiency ratio | 75.7239% | 2,684 |
| Assets per employee ($millions) | 3.5346% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 2,062 |
| Loan loss allowance to noncurrent loans | 90.4380% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 3.4324% | 688 |
| Noncurrent loans to loans | 1.9061% | 1,795 |
| Net loans and leases to total assets | 79.9353% | 694 |
| Net loans and leases to deposits | 111.3714% | 176 |
| Net loans and leases to core deposits | 114.0362% | 536 |
| Total domestic deposits to total assets | 71.7736% | 6,266 |
| Equity capital to assets | 24.5620% | 98 |
| Core capital (leverage) ratio | 23.8862% | 100 |
| Tier 1 risk-based capital ratio | 30.4186% | 506 |
| Total risk-based capital ratio | 31.6686% | 500 |
| Memoranda: | ||
| Average total assets | $86,870,000 | 5,003 |
| Average earning assets | $81,970,000 | 4,937 |
| Average equity | $21,478,330 | 3,000 |
| Average total loans | $69,209,670 | 4,263 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 825 |
| Cost of funding earning assets | 0.4922% | 2,990 |
| Net interest margin | 4.4345% | 749 |
| Noninterest income to average assets | 0.6409% | 2,512 |
| Noninterest expense to average assets | 3.5670% | 1,364 |
| Loan and lease loss provision to assets | 0.0929% | 2,366 |
| Net operating income to assets | 1.1658% | 1,578 |
| Return on assets (ROA) | 1.1658% | 1,650 |
| Pretax return on assets | 1.1658% | 2,637 |
| Return on Equity (ROE) | 4.6992% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.6992% | 3,295 |
| Net charge-offs to loans | 0.0825% | 2,321 |
| Credit loss provision to net charge-offs | 142.8571% | 1,298 |
| Earnings coverage of net charge-offs (x) | 19.3571% | 1,379 |
| Efficiency ratio | 73.9172% | 3,157 |
| Assets per employee ($millions) | 3.7973% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8658% | 1,853 |
| Loan loss allowance to noncurrent loans | 155.1313% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 2.8310% | 1,038 |
| Noncurrent loans to loans | 1.2027% | 3,036 |
| Net loans and leases to total assets | 75.0261% | 1,124 |
| Net loans and leases to deposits | 106.2532% | 231 |
| Net loans and leases to core deposits | 108.7614% | 639 |
| Total domestic deposits to total assets | 70.6106% | 6,423 |
| Equity capital to assets | 23.5793% | 118 |
| Core capital (leverage) ratio | 24.5854% | 93 |
| Tier 1 risk-based capital ratio | 30.6319% | 504 |
| Total risk-based capital ratio | 31.8885% | 495 |
| Memoranda: | ||
| Average total assets | $86,123,000 | 5,066 |
| Average earning assets | $81,272,500 | 4,992 |
| Average equity | $21,365,500 | 3,010 |
| Average total loans | $67,878,000 | 4,330 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 1,356 |
| Cost of funding earning assets | 0.5506% | 3,104 |
| Net interest margin | 4.2337% | 1,262 |
| Noninterest income to average assets | 1.0855% | 1,199 |
| Noninterest expense to average assets | 4.2283% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8168% | 3,209 |
| Return on assets (ROA) | 0.8168% | 3,308 |
| Pretax return on assets | 0.8168% | 4,086 |
| Return on Equity (ROE) | 2.9484% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.9484% | 4,145 |
| Net charge-offs to loans | 0.1713% | 3,114 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 6.5638% | 3,035 |
| Efficiency ratio | 83.8100% | 1,645 |
| Assets per employee ($millions) | 3.3796% | 5,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9582% | 1,651 |
| Loan loss allowance to noncurrent loans | 116.5766% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 3.2696% | 926 |
| Noncurrent loans to loans | 1.6798% | 2,389 |
| Net loans and leases to total assets | 79.8745% | 608 |
| Net loans and leases to deposits | 114.7058% | 112 |
| Net loans and leases to core deposits | 116.8112% | 401 |
| Total domestic deposits to total assets | 69.6342% | 6,536 |
| Equity capital to assets | 26.1888% | 82 |
| Core capital (leverage) ratio | 26.3508% | 76 |
| Tier 1 risk-based capital ratio | 33.8337% | 370 |
| Total risk-based capital ratio | 35.0337% | 364 |
| Memoranda: | ||
| Average total assets | $75,539,400 | 5,339 |
| Average earning assets | $70,646,600 | 5,294 |
| Average equity | $20,926,400 | 3,055 |
| Average total loans | $54,864,800 | 4,783 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,542 |
| Cost of funding earning assets | 0.5606% | 3,160 |
| Net interest margin | 4.1615% | 1,451 |
| Noninterest income to average assets | 1.0376% | 1,351 |
| Noninterest expense to average assets | 4.2024% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7193% | 3,757 |
| Return on assets (ROA) | 0.7193% | 3,892 |
| Pretax return on assets | 0.7193% | 4,615 |
| Return on Equity (ROE) | 2.5582% | 5,766 |
| Retained earnings to average equity (ytd only) | 2.5582% | 4,790 |
| Net charge-offs to loans | 0.0666% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 15.3828% | 1,870 |
| Efficiency ratio | 85.3855% | 1,428 |
| Assets per employee ($millions) | 3.2067% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2424% | 1,263 |
| Loan loss allowance to noncurrent loans | 165.6136% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 3.5927% | 926 |
| Noncurrent loans to loans | 1.3540% | 3,155 |
| Net loans and leases to total assets | 77.2066% | 849 |
| Net loans and leases to deposits | 108.9757% | 169 |
| Net loans and leases to core deposits | 111.0573% | 540 |
| Total domestic deposits to total assets | 70.8476% | 6,554 |
| Equity capital to assets | 27.3515% | 69 |
| Core capital (leverage) ratio | 27.4912% | 68 |
| Tier 1 risk-based capital ratio | 32.9242% | 404 |
| Total risk-based capital ratio | 34.1960% | 394 |
| Memoranda: | ||
| Average total assets | $74,146,500 | 5,428 |
| Average earning assets | $69,204,000 | 5,379 |
| Average equity | $20,847,500 | 3,089 |
| Average total loans | $52,060,750 | 4,927 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 1,971 |
| Cost of funding earning assets | 0.5711% | 3,210 |
| Net interest margin | 3.9947% | 1,876 |
| Noninterest income to average assets | 0.9780% | 1,585 |
| Noninterest expense to average assets | 4.1635% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5409% | 4,605 |
| Return on assets (ROA) | 0.5409% | 4,770 |
| Pretax return on assets | 0.5409% | 5,235 |
| Return on Equity (ROE) | 1.9057% | 5,981 |
| Retained earnings to average equity (ytd only) | 1.9057% | 5,056 |
| Net charge-offs to loans | 0.0692% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 11.6471% | 2,036 |
| Efficiency ratio | 88.5017% | 1,171 |
| Assets per employee ($millions) | 2.9284% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6359% | 847 |
| Loan loss allowance to noncurrent loans | 124.0724% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 4.1279% | 829 |
| Noncurrent loans to loans | 2.1245% | 2,253 |
| Net loans and leases to total assets | 69.1746% | 2,037 |
| Net loans and leases to deposits | 99.3214% | 464 |
| Net loans and leases to core deposits | 100.3666% | 1,051 |
| Total domestic deposits to total assets | 69.6472% | 6,669 |
| Equity capital to assets | 28.4801% | 67 |
| Core capital (leverage) ratio | 27.8841% | 63 |
| Tier 1 risk-based capital ratio | 43.3025% | 187 |
| Total risk-based capital ratio | 44.5667% | 187 |
| Memoranda: | ||
| Average total assets | $73,208,330 | 5,482 |
| Average earning assets | $68,291,000 | 5,438 |
| Average equity | $20,780,000 | 3,121 |
| Average total loans | $49,153,670 | 5,063 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 2,483 |
| Cost of funding earning assets | 0.5799% | 3,293 |
| Net interest margin | 3.8311% | 2,343 |
| Noninterest income to average assets | 1.2458% | 984 |
| Noninterest expense to average assets | 4.2454% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5737% | 4,339 |
| Return on assets (ROA) | 0.5737% | 4,489 |
| Pretax return on assets | 0.5737% | 5,036 |
| Return on Equity (ROE) | 2.0246% | 5,935 |
| Retained earnings to average equity (ytd only) | 2.0246% | 4,989 |
| Net charge-offs to loans | -0.0587% | 6,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0952% | 1,319 |
| Assets per employee ($millions) | 2.9807% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8566% | 771 |
| Loan loss allowance to noncurrent loans | 118.0203% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 4.4191% | 847 |
| Noncurrent loans to loans | 2.4204% | 2,138 |
| Net loans and leases to total assets | 63.6620% | 2,777 |
| Net loans and leases to deposits | 90.4410% | 926 |
| Net loans and leases to core deposits | 91.3800% | 1,572 |
| Total domestic deposits to total assets | 70.3906% | 6,741 |
| Equity capital to assets | 27.8997% | 71 |
| Core capital (leverage) ratio | 27.9040% | 68 |
| Tier 1 risk-based capital ratio | 42.4690% | 202 |
| Total risk-based capital ratio | 43.7394% | 201 |
| Memoranda: | ||
| Average total assets | $73,208,000 | 5,532 |
| Average earning assets | $68,282,500 | 5,482 |
| Average equity | $20,745,000 | 3,170 |
| Average total loans | $47,724,000 | 5,140 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 3,761 |
| Cost of funding earning assets | 0.7879% | 2,760 |
| Net interest margin | 3.6261% | 3,983 |
| Noninterest income to average assets | -2.0319% | 7,078 |
| Noninterest expense to average assets | 5.6768% | 256 |
| Loan and lease loss provision to assets | 0.4206% | 1,518 |
| Net operating income to assets | -4.8672% | 7,055 |
| Return on assets (ROA) | -4.8672% | 7,058 |
| Pretax return on assets | -4.8672% | 7,058 |
| Return on Equity (ROE) | -27.7988% | 6,944 |
| Retained earnings to average equity (ytd only) | -27.7988% | 6,920 |
| Net charge-offs to loans | 0.7294% | 1,611 |
| Credit loss provision to net charge-offs | 98.5240% | 3,151 |
| Earnings coverage of net charge-offs (x) | -10.4170% | 5,942 |
| Efficiency ratio | 461.4597% | 10 |
| Assets per employee ($millions) | 2.9958% | 6,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9776% | 679 |
| Loan loss allowance to noncurrent loans | 109.4637% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 5.3992% | 700 |
| Noncurrent loans to loans | 2.7202% | 1,946 |
| Net loans and leases to total assets | 62.9021% | 3,077 |
| Net loans and leases to deposits | 90.6732% | 1,010 |
| Net loans and leases to core deposits | 91.6768% | 1,658 |
| Total domestic deposits to total assets | 69.3723% | 6,809 |
| Equity capital to assets | 28.7904% | 69 |
| Core capital (leverage) ratio | 27.8896% | 71 |
| Tier 1 risk-based capital ratio | 40.8156% | 227 |
| Total risk-based capital ratio | 42.0887% | 220 |
| Memoranda: | ||
| Average total assets | $63,486,400 | 5,840 |
| Average earning assets | $57,113,800 | 5,836 |
| Average equity | $11,115,600 | 4,736 |
| Average total loans | $37,151,400 | 5,624 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 4,164 |
| Cost of funding earning assets | 0.8504% | 2,533 |
| Net interest margin | 3.5209% | 4,561 |
| Noninterest income to average assets | -2.0939% | 7,175 |
| Noninterest expense to average assets | 5.3868% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -4.3420% | 7,152 |
| Return on assets (ROA) | -4.3420% | 7,155 |
| Pretax return on assets | -4.3420% | 7,156 |
| Return on Equity (ROE) | -30.5668% | 7,065 |
| Retained earnings to average equity (ytd only) | -30.5668% | 7,058 |
| Net charge-offs to loans | 0.0575% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -133.2635% | 5,766 |
| Efficiency ratio | 515.5925% | 7 |
| Assets per employee ($millions) | 3.0649% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6242% | 417 |
| Loan loss allowance to noncurrent loans | 87.0417% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 6.8014% | 535 |
| Noncurrent loans to loans | 4.1637% | 1,197 |
| Net loans and leases to total assets | 49.7811% | 5,335 |
| Net loans and leases to deposits | 72.5339% | 3,527 |
| Net loans and leases to core deposits | 72.9675% | 4,126 |
| Total domestic deposits to total assets | 68.6316% | 6,899 |
| Equity capital to assets | 29.5848% | 71 |
| Core capital (leverage) ratio | 30.0285% | 65 |
| Tier 1 risk-based capital ratio | 46.4447% | 161 |
| Total risk-based capital ratio | 47.7014% | 160 |
| Memoranda: | ||
| Average total assets | $61,383,250 | 5,956 |
| Average earning assets | $54,719,500 | 5,970 |
| Average equity | $8,719,500 | 5,347 |
| Average total loans | $34,785,750 | 5,802 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 2,839 |
| Cost of funding earning assets | 0.9606% | 1,991 |
| Net interest margin | 3.7594% | 3,544 |
| Noninterest income to average assets | -0.1221% | 7,108 |
| Noninterest expense to average assets | 5.5892% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.3934% | 7,115 |
| Return on assets (ROA) | -2.3934% | 7,120 |
| Pretax return on assets | -2.3934% | 7,106 |
| Return on Equity (ROE) | -31.3815% | 7,114 |
| Retained earnings to average equity (ytd only) | -31.3815% | 7,103 |
| Net charge-offs to loans | 0.0415% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -98.0000% | 5,500 |
| Efficiency ratio | 174.8908% | 63 |
| Assets per employee ($millions) | 2.5885% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1208% | 320 |
| Loan loss allowance to noncurrent loans | 73.2804% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 9.6195% | 290 |
| Noncurrent loans to loans | 5.6233% | 820 |
| Net loans and leases to total assets | 56.5877% | 4,386 |
| Net loans and leases to deposits | 61.4547% | 5,075 |
| Net loans and leases to core deposits | 61.8166% | 5,406 |
| Total domestic deposits to total assets | 92.0804% | 216 |
| Equity capital to assets | 7.1347% | 6,881 |
| Core capital (leverage) ratio | 6.3024% | 6,955 |
| Tier 1 risk-based capital ratio | 9.9357% | 6,842 |
| Total risk-based capital ratio | 11.2075% | 6,819 |
| Memoranda: | ||
| Average total assets | $57,325,000 | 6,096 |
| Average earning assets | $50,593,000 | 6,134 |
| Average equity | $4,372,000 | 6,579 |
| Average total loans | $33,716,000 | 5,882 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 2,491 |
| Cost of funding earning assets | 0.9804% | 2,103 |
| Net interest margin | 3.8582% | 3,103 |
| Noninterest income to average assets | -0.9250% | 7,279 |
| Noninterest expense to average assets | 5.5847% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -3.1158% | 7,227 |
| Return on assets (ROA) | -3.1158% | 7,227 |
| Pretax return on assets | -3.1158% | 7,214 |
| Return on Equity (ROE) | -39.5891% | 7,199 |
| Retained earnings to average equity (ytd only) | -39.5891% | 7,183 |
| Net charge-offs to loans | 0.0948% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -56.0000% | 4,716 |
| Efficiency ratio | 226.1972% | 30 |
| Assets per employee ($millions) | 2.5723% | 6,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1143% | 339 |
| Loan loss allowance to noncurrent loans | 108.5490% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 8.5408% | 432 |
| Noncurrent loans to loans | 3.7902% | 1,631 |
| Net loans and leases to total assets | 54.5189% | 4,633 |
| Net loans and leases to deposits | 59.1498% | 5,261 |
| Net loans and leases to core deposits | 59.4924% | 5,575 |
| Total domestic deposits to total assets | 92.1708% | 229 |
| Equity capital to assets | 7.2596% | 6,863 |
| Core capital (leverage) ratio | 6.7932% | 6,908 |
| Tier 1 risk-based capital ratio | 9.8693% | 6,904 |
| Total risk-based capital ratio | 11.1414% | 6,904 |
| Memoranda: | ||
| Average total assets | $57,514,000 | 6,129 |
| Average earning assets | $50,594,000 | 6,168 |
| Average equity | $4,526,500 | 6,574 |
| Average total loans | $33,769,000 | 5,921 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7156% | 4,184 |
| Cost of funding earning assets | 1.0458% | 3,058 |
| Net interest margin | 3.6698% | 4,432 |
| Noninterest income to average assets | 0.3637% | 4,904 |
| Noninterest expense to average assets | 6.6721% | 158 |
| Loan and lease loss provision to assets | 1.7635% | 379 |
| Net operating income to assets | -4.8168% | 7,296 |
| Return on assets (ROA) | -4.7334% | 7,297 |
| Pretax return on assets | -4.7334% | 7,303 |
| Return on Equity (ROE) | -48.8111% | 7,198 |
| Retained earnings to average equity (ytd only) | -48.8111% | 7,195 |
| Net charge-offs to loans | 2.4729% | 474 |
| Credit loss provision to net charge-offs | 119.3002% | 2,680 |
| Earnings coverage of net charge-offs (x) | -2.0655% | 6,283 |
| Efficiency ratio | 184.3707% | 74 |
| Assets per employee ($millions) | 2.5393% | 6,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1063% | 353 |
| Loan loss allowance to noncurrent loans | 117.7665% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 8.7819% | 420 |
| Noncurrent loans to loans | 3.4868% | 1,836 |
| Net loans and leases to total assets | 58.1885% | 4,336 |
| Net loans and leases to deposits | 64.0797% | 4,996 |
| Net loans and leases to core deposits | 64.4980% | 5,412 |
| Total domestic deposits to total assets | 90.8064% | 585 |
| Equity capital to assets | 8.5170% | 6,126 |
| Core capital (leverage) ratio | 8.1381% | 6,089 |
| Tier 1 risk-based capital ratio | 11.5489% | 6,133 |
| Total risk-based capital ratio | 12.8385% | 6,090 |
| Memoranda: | ||
| Average total assets | $59,936,200 | 6,039 |
| Average earning assets | $53,164,000 | 6,074 |
| Average equity | $5,812,200 | 6,201 |
| Average total loans | $35,829,000 | 5,877 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7131% | 4,394 |
| Cost of funding earning assets | 1.0627% | 3,227 |
| Net interest margin | 3.6504% | 4,560 |
| Noninterest income to average assets | 0.5731% | 3,357 |
| Noninterest expense to average assets | 6.6715% | 155 |
| Loan and lease loss provision to assets | 1.8746% | 311 |
| Net operating income to assets | -4.7269% | 7,366 |
| Return on assets (ROA) | -4.6176% | 7,365 |
| Pretax return on assets | -4.6176% | 7,366 |
| Return on Equity (ROE) | -46.3251% | 7,278 |
| Retained earnings to average equity (ytd only) | -46.3251% | 7,272 |
| Net charge-offs to loans | 2.3537% | 485 |
| Credit loss provision to net charge-offs | 133.6973% | 2,383 |
| Earnings coverage of net charge-offs (x) | -2.0343% | 6,024 |
| Efficiency ratio | 174.6850% | 85 |
| Assets per employee ($millions) | 2.3166% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3423% | 300 |
| Loan loss allowance to noncurrent loans | 55.9797% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 10.6434% | 318 |
| Noncurrent loans to loans | 7.7569% | 585 |
| Net loans and leases to total assets | 59.4122% | 4,252 |
| Net loans and leases to deposits | 66.3495% | 4,852 |
| Net loans and leases to core deposits | 67.2616% | 5,273 |
| Total domestic deposits to total assets | 89.5443% | 1,117 |
| Equity capital to assets | 9.8626% | 4,529 |
| Core capital (leverage) ratio | 8.5620% | 5,610 |
| Tier 1 risk-based capital ratio | 12.9089% | 5,163 |
| Total risk-based capital ratio | 14.1619% | 5,143 |
| Memoranda: | ||
| Average total assets | $60,954,000 | 6,060 |
| Average earning assets | $54,202,250 | 6,091 |
| Average equity | $6,075,750 | 6,179 |
| Average total loans | $36,311,500 | 5,901 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 3,961 |
| Cost of funding earning assets | 1.0774% | 3,408 |
| Net interest margin | 3.7516% | 4,022 |
| Noninterest income to average assets | 0.4283% | 4,444 |
| Noninterest expense to average assets | 6.8082% | 150 |
| Loan and lease loss provision to assets | 1.5241% | 465 |
| Net operating income to assets | -4.5598% | 7,424 |
| Return on assets (ROA) | -4.4024% | 7,416 |
| Pretax return on assets | -4.4024% | 7,410 |
| Return on Equity (ROE) | -44.0361% | 7,329 |
| Retained earnings to average equity (ytd only) | -44.0361% | 7,326 |
| Net charge-offs to loans | 0.9576% | 1,634 |
| Credit loss provision to net charge-offs | 270.3911% | 1,125 |
| Earnings coverage of net charge-offs (x) | -5.3855% | 5,799 |
| Efficiency ratio | 180.4674% | 81 |
| Assets per employee ($millions) | 2.3478% | 7,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1203% | 377 |
| Loan loss allowance to noncurrent loans | 65.6479% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 9.9879% | 391 |
| Noncurrent loans to loans | 6.2763% | 915 |
| Net loans and leases to total assets | 58.1335% | 4,599 |
| Net loans and leases to deposits | 69.6794% | 4,475 |
| Net loans and leases to core deposits | 73.2900% | 4,672 |
| Total domestic deposits to total assets | 83.4300% | 4,571 |
| Equity capital to assets | 9.7340% | 4,492 |
| Core capital (leverage) ratio | 8.7871% | 5,071 |
| Tier 1 risk-based capital ratio | 11.9293% | 5,843 |
| Total risk-based capital ratio | 13.2049% | 5,796 |
| Memoranda: | ||
| Average total assets | $63,511,330 | 6,028 |
| Average earning assets | $56,616,000 | 6,070 |
| Average equity | $6,349,330 | 6,125 |
| Average total loans | $37,384,330 | 5,920 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9991% | 3,107 |
| Cost of funding earning assets | 1.1048% | 3,484 |
| Net interest margin | 3.8944% | 3,168 |
| Noninterest income to average assets | 0.1174% | 6,823 |
| Noninterest expense to average assets | 6.8639% | 154 |
| Loan and lease loss provision to assets | 2.9902% | 158 |
| Net operating income to assets | -6.2522% | 7,508 |
| Return on assets (ROA) | -6.2522% | 7,509 |
| Pretax return on assets | -6.2522% | 7,506 |
| Return on Equity (ROE) | -61.7732% | 7,444 |
| Retained earnings to average equity (ytd only) | -61.7732% | 7,435 |
| Net charge-offs to loans | 0.9901% | 1,365 |
| Credit loss provision to net charge-offs | 520.4301% | 694 |
| Earnings coverage of net charge-offs (x) | -5.6774% | 5,032 |
| Efficiency ratio | 190.5660% | 77 |
| Assets per employee ($millions) | 2.3069% | 7,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1558% | 380 |
| Loan loss allowance to noncurrent loans | 69.6498% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 9.2100% | 467 |
| Noncurrent loans to loans | 5.9667% | 1,060 |
| Net loans and leases to total assets | 57.5202% | 4,719 |
| Net loans and leases to deposits | 64.7621% | 5,161 |
| Net loans and leases to core deposits | 68.0028% | 5,286 |
| Total domestic deposits to total assets | 88.8177% | 1,883 |
| Equity capital to assets | 9.3694% | 4,622 |
| Core capital (leverage) ratio | 8.9185% | 4,741 |
| Tier 1 risk-based capital ratio | 12.5194% | 5,244 |
| Total risk-based capital ratio | 13.7643% | 5,232 |
| Memoranda: | ||
| Average total assets | $64,745,000 | 6,037 |
| Average earning assets | $57,930,000 | 6,067 |
| Average equity | $6,553,000 | 6,074 |
| Average total loans | $37,570,500 | 5,959 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 6,770 |
| Cost of funding earning assets | 1.4795% | 2,766 |
| Net interest margin | 2.8336% | 6,989 |
| Noninterest income to average assets | -2.1176% | 7,649 |
| Noninterest expense to average assets | 6.0540% | 227 |
| Loan and lease loss provision to assets | 2.3814% | 489 |
| Net operating income to assets | -7.9678% | 7,619 |
| Return on assets (ROA) | -7.9832% | 7,619 |
| Pretax return on assets | -7.9832% | 7,622 |
| Return on Equity (ROE) | -61.0274% | 7,488 |
| Retained earnings to average equity (ytd only) | -61.0274% | 7,486 |
| Net charge-offs to loans | 5.4393% | 139 |
| Credit loss provision to net charge-offs | 73.0934% | 5,790 |
| Earnings coverage of net charge-offs (x) | -1.7147% | 6,693 |
| Efficiency ratio | 1,294.6269% | 6 |
| Assets per employee ($millions) | 2.2378% | 7,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3539% | 654 |
| Loan loss allowance to noncurrent loans | 37.2861% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 9.5351% | 450 |
| Noncurrent loans to loans | 8.9949% | 518 |
| Net loans and leases to total assets | 54.1720% | 5,611 |
| Net loans and leases to deposits | 61.2431% | 5,930 |
| Net loans and leases to core deposits | 64.4119% | 6,019 |
| Total domestic deposits to total assets | 88.4540% | 1,974 |
| Equity capital to assets | 10.8695% | 2,801 |
| Core capital (leverage) ratio | 9.8472% | 3,268 |
| Tier 1 risk-based capital ratio | 16.2892% | 2,619 |
| Total risk-based capital ratio | 17.5507% | 2,572 |
| Memoranda: | ||
| Average total assets | $71,638,200 | 5,831 |
| Average earning assets | $65,359,000 | 5,819 |
| Average equity | $9,371,200 | 5,310 |
| Average total loans | $42,910,200 | 5,794 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 7,062 |
| Cost of funding earning assets | 1.5292% | 2,775 |
| Net interest margin | 2.6944% | 7,239 |
| Noninterest income to average assets | -0.8092% | 7,715 |
| Noninterest expense to average assets | 5.2951% | 306 |
| Loan and lease loss provision to assets | 1.6329% | 789 |
| Net operating income to assets | -5.2733% | 7,665 |
| Return on assets (ROA) | -5.2933% | 7,672 |
| Pretax return on assets | -5.2933% | 7,661 |
| Return on Equity (ROE) | -39.0055% | 7,481 |
| Retained earnings to average equity (ytd only) | -39.0055% | 7,478 |
| Net charge-offs to loans | 5.3998% | 143 |
| Credit loss provision to net charge-offs | 49.7783% | 5,887 |
| Earnings coverage of net charge-offs (x) | -1.1098% | 6,463 |
| Efficiency ratio | 320.0000% | 23 |
| Assets per employee ($millions) | 2.5122% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3639% | 1,523 |
| Loan loss allowance to noncurrent loans | 18.7587% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 12.7506% | 236 |
| Noncurrent loans to loans | 12.6018% | 250 |
| Net loans and leases to total assets | 55.3695% | 5,641 |
| Net loans and leases to deposits | 64.8431% | 5,803 |
| Net loans and leases to core deposits | 68.6768% | 5,880 |
| Total domestic deposits to total assets | 85.3900% | 3,410 |
| Equity capital to assets | 13.9447% | 1,180 |
| Core capital (leverage) ratio | 12.6859% | 1,343 |
| Tier 1 risk-based capital ratio | 20.3607% | 1,475 |
| Total risk-based capital ratio | 21.6244% | 1,449 |
| Memoranda: | ||
| Average total assets | $73,323,500 | 5,846 |
| Average earning assets | $67,050,250 | 5,827 |
| Average equity | $9,950,500 | 5,210 |
| Average total loans | $44,543,750 | 5,807 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 7,311 |
| Cost of funding earning assets | 1.5707% | 2,829 |
| Net interest margin | 2.4920% | 7,426 |
| Noninterest income to average assets | -0.1346% | 7,647 |
| Noninterest expense to average assets | 4.8549% | 416 |
| Loan and lease loss provision to assets | 1.2487% | 1,118 |
| Net operating income to assets | -3.9452% | 7,615 |
| Return on assets (ROA) | -3.9452% | 7,622 |
| Pretax return on assets | -3.9452% | 7,595 |
| Return on Equity (ROE) | -29.3268% | 7,427 |
| Retained earnings to average equity (ytd only) | -29.3268% | 7,411 |
| Net charge-offs to loans | 4.6383% | 240 |
| Credit loss provision to net charge-offs | 43.4051% | 5,548 |
| Earnings coverage of net charge-offs (x) | -0.9373% | 6,108 |
| Efficiency ratio | 224.9377% | 68 |
| Assets per employee ($millions) | 2.8485% | 6,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8833% | 929 |
| Loan loss allowance to noncurrent loans | 16.0823% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 13.6705% | 192 |
| Noncurrent loans to loans | 17.9281% | 109 |
| Net loans and leases to total assets | 54.4377% | 5,926 |
| Net loans and leases to deposits | 64.2019% | 6,018 |
| Net loans and leases to core deposits | 68.5136% | 6,019 |
| Total domestic deposits to total assets | 84.7913% | 3,733 |
| Equity capital to assets | 14.3921% | 1,041 |
| Core capital (leverage) ratio | 14.0665% | 914 |
| Tier 1 risk-based capital ratio | 22.1417% | 1,177 |
| Total risk-based capital ratio | 23.3982% | 1,153 |
| Memoranda: | ||
| Average total assets | $74,317,330 | 5,857 |
| Average earning assets | $68,378,000 | 5,816 |
| Average equity | $9,997,670 | 5,203 |
| Average total loans | $46,094,670 | 5,754 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 7,342 |
| Cost of funding earning assets | 1.6020% | 2,948 |
| Net interest margin | 2.5311% | 7,448 |
| Noninterest income to average assets | -0.4163% | 7,848 |
| Noninterest expense to average assets | 4.6617% | 488 |
| Loan and lease loss provision to assets | 1.9994% | 555 |
| Net operating income to assets | -4.7493% | 7,768 |
| Return on assets (ROA) | -4.7493% | 7,776 |
| Pretax return on assets | -4.7493% | 7,744 |
| Return on Equity (ROE) | -36.6519% | 7,631 |
| Retained earnings to average equity (ytd only) | -36.6519% | 7,612 |
| Net charge-offs to loans | 7.1029% | 131 |
| Credit loss provision to net charge-offs | 43.1953% | 4,585 |
| Earnings coverage of net charge-offs (x) | -0.5941% | 5,313 |
| Efficiency ratio | 243.8395% | 69 |
| Assets per employee ($millions) | 3.1653% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0111% | 814 |
| Loan loss allowance to noncurrent loans | 16.6160% | 7,162 |
| Noncurrent assets plus other real estate owned to assets | 14.9065% | 139 |
| Noncurrent loans to loans | 18.1219% | 105 |
| Net loans and leases to total assets | 57.9607% | 5,443 |
| Net loans and leases to deposits | 69.1366% | 5,454 |
| Net loans and leases to core deposits | 73.3117% | 5,575 |
| Total domestic deposits to total assets | 83.8351% | 4,229 |
| Equity capital to assets | 15.3132% | 806 |
| Core capital (leverage) ratio | 16.1856% | 553 |
| Tier 1 risk-based capital ratio | 23.9985% | 970 |
| Total risk-based capital ratio | 25.2641% | 948 |
| Memoranda: | ||
| Average total assets | $73,021,000 | 5,963 |
| Average earning assets | $67,165,000 | 5,928 |
| Average equity | $9,462,000 | 5,402 |
| Average total loans | $47,586,500 | 5,780 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4103% | 4,653 |
| Cost of funding earning assets | 2.7520% | 513 |
| Net interest margin | 2.6583% | 7,265 |
| Noninterest income to average assets | 0.5090% | 4,343 |
| Noninterest expense to average assets | 4.5419% | 765 |
| Loan and lease loss provision to assets | 6.0659% | 108 |
| Net operating income to assets | -7.6988% | 7,924 |
| Return on assets (ROA) | -7.6988% | 7,915 |
| Pretax return on assets | -7.6988% | 7,904 |
| Return on Equity (ROE) | -104.6865% | 7,941 |
| Retained earnings to average equity (ytd only) | -104.6865% | 7,941 |
| Net charge-offs to loans | 6.6421% | 138 |
| Credit loss provision to net charge-offs | 121.1280% | 4,403 |
| Earnings coverage of net charge-offs (x) | -0.3261% | 6,563 |
| Efficiency ratio | 156.1360% | 274 |
| Assets per employee ($millions) | 3.3369% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7127% | 440 |
| Loan loss allowance to noncurrent loans | 20.7570% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 15.7417% | 121 |
| Noncurrent loans to loans | 17.8865% | 102 |
| Net loans and leases to total assets | 68.3939% | 3,615 |
| Net loans and leases to deposits | 77.0345% | 4,554 |
| Net loans and leases to core deposits | 110.5940% | 2,830 |
| Total domestic deposits to total assets | 88.7834% | 1,582 |
| Equity capital to assets | 10.4046% | 3,278 |
| Core capital (leverage) ratio | 9.8720% | 3,238 |
| Tier 1 risk-based capital ratio | 14.5227% | 3,201 |
| Total risk-based capital ratio | 15.8050% | 3,125 |
| Memoranda: | ||
| Average total assets | $69,751,000 | 6,014 |
| Average earning assets | $62,972,200 | 6,035 |
| Average equity | $5,129,600 | 6,898 |
| Average total loans | $52,588,600 | 5,562 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 3,451 |
| Cost of funding earning assets | 2.7194% | 745 |
| Net interest margin | 2.9561% | 6,721 |
| Noninterest income to average assets | 0.4650% | 4,780 |
| Noninterest expense to average assets | 3.7873% | 1,618 |
| Loan and lease loss provision to assets | 5.4159% | 144 |
| Net operating income to assets | -6.0857% | 7,927 |
| Return on assets (ROA) | -6.0857% | 7,923 |
| Pretax return on assets | -6.0857% | 7,912 |
| Return on Equity (ROE) | -92.3874% | 7,997 |
| Retained earnings to average equity (ytd only) | -92.3874% | 7,996 |
| Net charge-offs to loans | 5.7593% | 162 |
| Credit loss provision to net charge-offs | 122.9366% | 4,115 |
| Earnings coverage of net charge-offs (x) | -0.1520% | 6,238 |
| Efficiency ratio | 121.4856% | 570 |
| Assets per employee ($millions) | 3.2748% | 5,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1366% | 595 |
| Loan loss allowance to noncurrent loans | 22.3146% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 12.4545% | 206 |
| Noncurrent loans to loans | 14.0561% | 178 |
| Net loans and leases to total assets | 70.1691% | 3,468 |
| Net loans and leases to deposits | 78.3321% | 4,693 |
| Net loans and leases to core deposits | 121.3024% | 2,135 |
| Total domestic deposits to total assets | 89.5789% | 933 |
| Equity capital to assets | 4.2931% | 7,988 |
| Core capital (leverage) ratio | 4.0447% | 7,984 |
| Tier 1 risk-based capital ratio | 5.5674% | 7,974 |
| Total risk-based capital ratio | 6.8408% | 7,979 |
| Memoranda: | ||
| Average total assets | $69,670,000 | 6,050 |
| Average earning assets | $62,512,500 | 6,086 |
| Average equity | $4,589,250 | 7,148 |
| Average total loans | $53,292,000 | 5,575 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0158% | 2,125 |
| Cost of funding earning assets | 2.8756% | 648 |
| Net interest margin | 3.1403% | 6,122 |
| Noninterest income to average assets | 0.7114% | 2,919 |
| Noninterest expense to average assets | 3.6557% | 1,933 |
| Loan and lease loss provision to assets | 5.3370% | 172 |
| Net operating income to assets | -5.4909% | 7,973 |
| Return on assets (ROA) | -5.4909% | 7,964 |
| Pretax return on assets | -5.4909% | 7,918 |
| Return on Equity (ROE) | -74.3318% | 8,027 |
| Retained earnings to average equity (ytd only) | -74.3318% | 8,026 |
| Net charge-offs to loans | 5.2964% | 229 |
| Credit loss provision to net charge-offs | 129.3455% | 3,596 |
| Earnings coverage of net charge-offs (x) | -0.0373% | 5,727 |
| Efficiency ratio | 104.3947% | 1,016 |
| Assets per employee ($millions) | 3.2135% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8597% | 642 |
| Loan loss allowance to noncurrent loans | 41.1147% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 6.6848% | 667 |
| Noncurrent loans to loans | 6.9554% | 709 |
| Net loans and leases to total assets | 73.3684% | 2,868 |
| Net loans and leases to deposits | 83.9483% | 3,886 |
| Net loans and leases to core deposits | 133.1844% | 1,360 |
| Total domestic deposits to total assets | 87.3971% | 2,051 |
| Equity capital to assets | 6.1487% | 7,901 |
| Core capital (leverage) ratio | 6.0367% | 7,918 |
| Tier 1 risk-based capital ratio | 7.7367% | 7,936 |
| Total risk-based capital ratio | 9.0053% | 7,953 |
| Memoranda: | ||
| Average total assets | $68,878,000 | 6,114 |
| Average earning assets | $61,205,000 | 6,175 |
| Average equity | $5,088,000 | 7,030 |
| Average total loans | $53,659,000 | 5,607 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0254% | 2,251 |
| Cost of funding earning assets | 2.8997% | 770 |
| Net interest margin | 3.1257% | 6,120 |
| Noninterest income to average assets | 0.4944% | 4,372 |
| Noninterest expense to average assets | 3.6252% | 1,806 |
| Loan and lease loss provision to assets | 4.9670% | 162 |
| Net operating income to assets | -5.2495% | 8,054 |
| Return on assets (ROA) | -5.2495% | 8,046 |
| Pretax return on assets | -5.2495% | 8,004 |
| Return on Equity (ROE) | -65.3659% | 8,100 |
| Retained earnings to average equity (ytd only) | -65.3659% | 8,086 |
| Net charge-offs to loans | 5.6516% | 176 |
| Credit loss provision to net charge-offs | 111.0526% | 3,476 |
| Earnings coverage of net charge-offs (x) | -0.0632% | 5,038 |
| Efficiency ratio | 108.4507% | 852 |
| Assets per employee ($millions) | 3.1438% | 5,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 1,106 |
| Loan loss allowance to noncurrent loans | 36.4832% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 5.4523% | 789 |
| Noncurrent loans to loans | 5.9680% | 810 |
| Net loans and leases to total assets | 77.4955% | 1,932 |
| Net loans and leases to deposits | 90.1187% | 2,909 |
| Net loans and leases to core deposits | 141.7663% | 1,022 |
| Total domestic deposits to total assets | 85.9927% | 2,732 |
| Equity capital to assets | 7.6427% | 7,229 |
| Core capital (leverage) ratio | 7.4752% | 7,185 |
| Tier 1 risk-based capital ratio | 9.3389% | 7,555 |
| Total risk-based capital ratio | 10.6081% | 7,502 |
| Memoranda: | ||
| Average total assets | $67,968,000 | 6,178 |
| Average earning assets | $61,937,500 | 6,178 |
| Average equity | $5,458,500 | 6,960 |
| Average total loans | $53,790,000 | 5,641 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8044% | 1,660 |
| Cost of funding earning assets | 3.3244% | 861 |
| Net interest margin | 3.4799% | 5,360 |
| Noninterest income to average assets | -0.4280% | 8,265 |
| Noninterest expense to average assets | 4.2441% | 1,102 |
| Loan and lease loss provision to assets | 1.1040% | 1,314 |
| Net operating income to assets | -2.6197% | 7,739 |
| Return on assets (ROA) | -2.5970% | 7,702 |
| Pretax return on assets | -2.5970% | 7,618 |
| Return on Equity (ROE) | -24.1899% | 7,847 |
| Retained earnings to average equity (ytd only) | -24.1899% | 7,790 |
| Net charge-offs to loans | 0.0088% | 6,807 |
| Credit loss provision to net charge-offs | 17,025.0000% | 37 |
| Earnings coverage of net charge-offs (x) | -233.7500% | 7,021 |
| Efficiency ratio | 155.5556% | 326 |
| Assets per employee ($millions) | 3.0351% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1028% | 1,067 |
| Loan loss allowance to noncurrent loans | 63.7565% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 3.3577% | 1,341 |
| Noncurrent loans to loans | 3.2981% | 1,574 |
| Net loans and leases to total assets | 77.3947% | 2,288 |
| Net loans and leases to deposits | 91.1670% | 3,266 |
| Net loans and leases to core deposits | 140.0791% | 1,266 |
| Total domestic deposits to total assets | 84.8934% | 2,889 |
| Equity capital to assets | 8.4332% | 6,198 |
| Core capital (leverage) ratio | 8.5422% | 5,494 |
| Tier 1 risk-based capital ratio | 10.2539% | 6,465 |
| Total risk-based capital ratio | 11.5056% | 6,332 |
| Memoranda: | ||
| Average total assets | $61,685,800 | 6,333 |
| Average earning assets | $55,949,200 | 6,337 |
| Average equity | $6,622,600 | 6,597 |
| Average total loans | $45,709,600 | 5,894 |