Home > BEACON BUSINESS BANK > Performance and Condition Ratios
BEACON BUSINESS 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 | 4.5979% | 2,898 |
| Cost of funding earning assets | 1.2441% | 2,673 |
| Net interest margin | 3.3539% | 2,508 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 3.2344% | 795 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.0579% | 4,281 |
| Return on assets (ROA) | 0.0579% | 4,311 |
| Pretax return on assets | 0.0633% | 4,303 |
| Return on Equity (ROE) | 0.6900% | 4,287 |
| Retained earnings to average equity (ytd only) | 0.6947% | 3,900 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 96.1441% | 257 |
| Assets per employee ($millions) | 8.2806% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 667 |
| Loan loss allowance to noncurrent loans | 10,143.7500% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 3,717 |
| Noncurrent loans to loans | 0.0167% | 3,628 |
| Net loans and leases to total assets | 56.7800% | 3,140 |
| Net loans and leases to deposits | 78.6779% | 2,215 |
| Net loans and leases to core deposits | 118.7191% | 667 |
| Total domestic deposits to total assets | 72.1700% | 4,220 |
| Equity capital to assets | 8.8569% | 2,782 |
| Core capital (leverage) ratio | 10.9116% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1687% | 679 |
| Memoranda: | ||
| Average total assets | $164,205,400 | 3,238 |
| Average earning assets | $153,047,800 | 3,222 |
| Average equity | $13,675,200 | 3,370 |
| Average total loans | $87,973,400 | 3,320 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 3,178 |
| Cost of funding earning assets | 1.0045% | 3,025 |
| Net interest margin | 3.3554% | 2,556 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 3.3118% | 711 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.0651% | 4,341 |
| Return on assets (ROA) | 0.0651% | 4,362 |
| Pretax return on assets | 0.0708% | 4,355 |
| Return on Equity (ROE) | 0.7900% | 4,334 |
| Retained earnings to average equity (ytd only) | 0.7944% | 3,987 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 98.5472% | 193 |
| Assets per employee ($millions) | 9.1896% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 812 |
| Loan loss allowance to noncurrent loans | 7,440.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 3,748 |
| Noncurrent loans to loans | 0.0220% | 3,606 |
| Net loans and leases to total assets | 48.6600% | 3,704 |
| Net loans and leases to deposits | 64.0838% | 3,261 |
| Net loans and leases to core deposits | 91.9687% | 1,799 |
| Total domestic deposits to total assets | 75.9300% | 4,016 |
| Equity capital to assets | 6.9372% | 3,645 |
| Core capital (leverage) ratio | 11.5496% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6724% | 643 |
| Memoranda: | ||
| Average total assets | $163,854,000 | 3,249 |
| Average earning assets | $152,505,500 | 3,241 |
| Average equity | $13,427,000 | 3,383 |
| Average total loans | $86,052,250 | 3,344 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,947 |
| Cost of funding earning assets | 0.8905% | 2,954 |
| Net interest margin | 3.4852% | 2,296 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 3.4731% | 552 |
| Loan and lease loss provision to assets | -0.3500% | 4,631 |
| Net operating income to assets | 0.3219% | 4,125 |
| Return on assets (ROA) | 0.3219% | 4,150 |
| Pretax return on assets | 0.3282% | 4,200 |
| Return on Equity (ROE) | 3.7100% | 4,067 |
| Retained earnings to average equity (ytd only) | 3.7062% | 3,283 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.5155% | 164 |
| Assets per employee ($millions) | 8.6970% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,288 |
| Loan loss allowance to noncurrent loans | 271.9912% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 1,818 |
| Noncurrent loans to loans | 0.5392% | 1,380 |
| Net loans and leases to total assets | 50.5300% | 3,522 |
| Net loans and leases to deposits | 63.9988% | 3,190 |
| Net loans and leases to core deposits | 89.8493% | 1,806 |
| Total domestic deposits to total assets | 78.9600% | 3,726 |
| Equity capital to assets | 8.3120% | 3,017 |
| Core capital (leverage) ratio | 12.2026% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2006% | 616 |
| Memoranda: | ||
| Average total assets | $157,208,000 | 3,323 |
| Average earning assets | $145,989,667 | 3,311 |
| Average equity | $13,652,667 | 3,384 |
| Average total loans | $84,429,000 | 3,370 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 2,958 |
| Cost of funding earning assets | 0.7388% | 2,930 |
| Net interest margin | 3.4992% | 2,366 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 3.6086% | 482 |
| Loan and lease loss provision to assets | -0.3300% | 4,648 |
| Net operating income to assets | 0.1514% | 4,401 |
| Return on assets (ROA) | 0.1514% | 4,377 |
| Pretax return on assets | 0.1567% | 4,376 |
| Return on Equity (ROE) | 1.7000% | 4,329 |
| Retained earnings to average equity (ytd only) | 1.7044% | 3,752 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 105.0951% | 130 |
| Assets per employee ($millions) | 8.7924% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 914 |
| Loan loss allowance to noncurrent loans | 1,309.4340% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 3,131 |
| Noncurrent loans to loans | 0.1258% | 2,884 |
| Net loans and leases to total assets | 52.3600% | 3,323 |
| Net loans and leases to deposits | 67.1276% | 2,841 |
| Net loans and leases to core deposits | 69.6461% | 2,977 |
| Total domestic deposits to total assets | 78.0000% | 4,009 |
| Equity capital to assets | 8.9174% | 2,579 |
| Core capital (leverage) ratio | 13.1531% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1619% | 642 |
| Memoranda: | ||
| Average total assets | $153,190,500 | 3,395 |
| Average earning assets | $141,859,000 | 3,391 |
| Average equity | $13,611,500 | 3,426 |
| Average total loans | $84,269,500 | 3,413 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4474% | 3,214 |
| Cost of funding earning assets | 0.1351% | 4,206 |
| Net interest margin | 3.3123% | 2,534 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 3.7981% | 383 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.5775% | 3,930 |
| Return on assets (ROA) | 0.5775% | 3,895 |
| Pretax return on assets | 0.5820% | 4,060 |
| Return on Equity (ROE) | 5.7900% | 3,868 |
| Retained earnings to average equity (ytd only) | -1.4447% | 4,463 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.2097% | 353 |
| Assets per employee ($millions) | 7.7956% | 1,440 |
| Cash dividends to net income (ytd only)* | 124.9720% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 954 |
| Loan loss allowance to noncurrent loans | 1,203.5398% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,029 |
| Noncurrent loans to loans | 0.1341% | 2,844 |
| Net loans and leases to total assets | 55.9900% | 3,033 |
| Net loans and leases to deposits | 71.3429% | 2,463 |
| Net loans and leases to core deposits | 72.8208% | 2,660 |
| Total domestic deposits to total assets | 78.4700% | 4,048 |
| Equity capital to assets | 8.8511% | 2,454 |
| Core capital (leverage) ratio | 13.0978% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1609% | 615 |
| Memoranda: | ||
| Average total assets | $154,629,800 | 3,397 |
| Average earning assets | $146,605,200 | 3,356 |
| Average equity | $15,435,400 | 3,332 |
| Average total loans | $75,719,600 | 3,478 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1806% | 3,480 |
| Cost of funding earning assets | 0.1242% | 4,091 |
| Net interest margin | 3.0564% | 3,062 |
| Noninterest income to average assets | 1.4200% | 377 |
| Noninterest expense to average assets | 3.7638% | 383 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.6186% | 3,789 |
| Return on assets (ROA) | 0.6186% | 3,744 |
| Pretax return on assets | 0.6229% | 3,947 |
| Return on Equity (ROE) | 6.0400% | 3,792 |
| Retained earnings to average equity (ytd only) | -3.2548% | 4,545 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.7965% | 428 |
| Assets per employee ($millions) | 6.9797% | 1,955 |
| Cash dividends to net income (ytd only)* | 153.9310% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 768 |
| Loan loss allowance to noncurrent loans | 1,180.0000% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,121 |
| Noncurrent loans to loans | 0.1499% | 2,862 |
| Net loans and leases to total assets | 51.2000% | 3,367 |
| Net loans and leases to deposits | 56.2346% | 3,456 |
| Net loans and leases to core deposits | 57.1998% | 3,549 |
| Total domestic deposits to total assets | 91.0400% | 1,224 |
| Equity capital to assets | 8.2290% | 2,732 |
| Core capital (leverage) ratio | 12.5372% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9418% | 491 |
| Memoranda: | ||
| Average total assets | $156,258,000 | 3,404 |
| Average earning assets | $149,233,500 | 3,355 |
| Average equity | $16,016,750 | 3,315 |
| Average total loans | $73,578,500 | 3,526 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8999% | 3,780 |
| Cost of funding earning assets | 0.1219% | 3,938 |
| Net interest margin | 2.7779% | 3,506 |
| Noninterest income to average assets | 1.1975% | 479 |
| Noninterest expense to average assets | 3.6307% | 384 |
| Loan and lease loss provision to assets | -0.1463% | 4,646 |
| Net operating income to assets | 0.3754% | 4,159 |
| Return on assets (ROA) | 0.3754% | 4,116 |
| Pretax return on assets | 0.3805% | 4,187 |
| Return on Equity (ROE) | 3.4415% | 4,146 |
| Retained earnings to average equity (ytd only) | 3.4415% | 3,293 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9414% | 290 |
| Assets per employee ($millions) | 6.7061% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 862 |
| Loan loss allowance to noncurrent loans | 1,096.7742% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,182 |
| Noncurrent loans to loans | 0.1604% | 2,895 |
| Net loans and leases to total assets | 49.2388% | 3,447 |
| Net loans and leases to deposits | 55.1208% | 3,454 |
| Net loans and leases to core deposits | 56.1988% | 3,552 |
| Total domestic deposits to total assets | 89.3290% | 2,034 |
| Equity capital to assets | 9.5488% | 1,978 |
| Core capital (leverage) ratio | 12.8410% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3573% | 408 |
| Memoranda: | ||
| Average total assets | $157,159,333 | 3,439 |
| Average earning assets | $150,904,000 | 3,389 |
| Average equity | $17,143,667 | 3,308 |
| Average total loans | $71,428,667 | 3,596 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7119% | 3,925 |
| Cost of funding earning assets | 0.1201% | 3,897 |
| Net interest margin | 2.5918% | 3,680 |
| Noninterest income to average assets | 1.1852% | 494 |
| Noninterest expense to average assets | 3.6313% | 374 |
| Loan and lease loss provision to assets | -0.4791% | 4,755 |
| Net operating income to assets | 0.5321% | 3,622 |
| Return on assets (ROA) | 0.5321% | 3,591 |
| Pretax return on assets | 0.5371% | 3,794 |
| Return on Equity (ROE) | 4.5991% | 3,731 |
| Retained earnings to average equity (ytd only) | 4.5991% | 2,739 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4279% | 271 |
| Assets per employee ($millions) | 6.4785% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 779 |
| Loan loss allowance to noncurrent loans | 988.4615% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 3,239 |
| Noncurrent loans to loans | 0.1896% | 2,870 |
| Net loans and leases to total assets | 43.2743% | 3,793 |
| Net loans and leases to deposits | 49.2580% | 3,795 |
| Net loans and leases to core deposits | 50.2284% | 3,862 |
| Total domestic deposits to total assets | 87.8522% | 2,593 |
| Equity capital to assets | 10.8261% | 1,421 |
| Core capital (leverage) ratio | 13.0636% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9290% | 268 |
| Memoranda: | ||
| Average total assets | $158,619,000 | 3,434 |
| Average earning assets | $153,251,000 | 3,377 |
| Average equity | $18,351,500 | 3,290 |
| Average total loans | $68,490,000 | 3,646 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 2,494 |
| Cost of funding earning assets | 0.1832% | 3,621 |
| Net interest margin | 3.3746% | 2,105 |
| Noninterest income to average assets | 0.1983% | 4,171 |
| Noninterest expense to average assets | 3.1137% | 830 |
| Loan and lease loss provision to assets | -1.1269% | 4,835 |
| Net operating income to assets | 1.4647% | 1,096 |
| Return on assets (ROA) | 1.4647% | 1,156 |
| Pretax return on assets | 1.4702% | 1,814 |
| Return on Equity (ROE) | 12.7466% | 1,550 |
| Retained earnings to average equity (ytd only) | 12.7466% | 432 |
| Net charge-offs to loans | -0.8169% | 4,792 |
| Credit loss provision to net charge-offs | 265.2738% | 1,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0673% | 330 |
| Assets per employee ($millions) | 6.4701% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1561% | 481 |
| Loan loss allowance to noncurrent loans | 1,092.5926% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,357 |
| Noncurrent loans to loans | 0.1973% | 2,960 |
| Net loans and leases to total assets | 41.3810% | 4,009 |
| Net loans and leases to deposits | 48.0310% | 3,994 |
| Net loans and leases to core deposits | 48.9581% | 4,057 |
| Total domestic deposits to total assets | 86.1548% | 2,851 |
| Equity capital to assets | 12.2842% | 1,139 |
| Core capital (leverage) ratio | 10.8658% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8293% | 283 |
| Memoranda: | ||
| Average total assets | $163,373,600 | 3,360 |
| Average earning assets | $157,767,000 | 3,304 |
| Average equity | $18,773,600 | 3,317 |
| Average total loans | $84,955,600 | 3,403 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 2,635 |
| Cost of funding earning assets | 0.1904% | 3,713 |
| Net interest margin | 3.3812% | 2,207 |
| Noninterest income to average assets | 0.0716% | 4,752 |
| Noninterest expense to average assets | 3.3605% | 565 |
| Loan and lease loss provision to assets | -1.2987% | 4,909 |
| Net operating income to assets | 1.2708% | 1,918 |
| Return on assets (ROA) | 1.2708% | 1,971 |
| Pretax return on assets | 1.2773% | 2,681 |
| Return on Equity (ROE) | 11.2505% | 2,291 |
| Retained earnings to average equity (ytd only) | 11.2505% | 1,001 |
| Net charge-offs to loans | -1.0386% | 4,864 |
| Credit loss provision to net charge-offs | 229.8271% | 1,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6338% | 150 |
| Assets per employee ($millions) | 7.8048% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 460 |
| Loan loss allowance to noncurrent loans | 1,220.5674% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,578 |
| Noncurrent loans to loans | 0.1795% | 3,233 |
| Net loans and leases to total assets | 42.7912% | 4,039 |
| Net loans and leases to deposits | 48.1810% | 4,107 |
| Net loans and leases to core deposits | 48.8334% | 4,201 |
| Total domestic deposits to total assets | 88.8135% | 1,390 |
| Equity capital to assets | 10.7498% | 2,217 |
| Core capital (leverage) ratio | 11.4175% | 1,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9666% | 344 |
| Memoranda: | ||
| Average total assets | $163,778,750 | 3,394 |
| Average earning assets | $158,282,000 | 3,324 |
| Average equity | $18,499,500 | 3,387 |
| Average total loans | $89,092,000 | 3,393 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7329% | 2,248 |
| Cost of funding earning assets | 0.2115% | 3,642 |
| Net interest margin | 3.5214% | 1,797 |
| Noninterest income to average assets | 0.1029% | 4,681 |
| Noninterest expense to average assets | 3.6332% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.1333% | 4,815 |
| Return on assets (ROA) | -0.1333% | 4,821 |
| Pretax return on assets | -0.1257% | 4,811 |
| Return on Equity (ROE) | -1.2217% | 4,826 |
| Retained earnings to average equity (ytd only) | -1.2217% | 4,624 |
| Net charge-offs to loans | -0.5658% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5844% | 138 |
| Assets per employee ($millions) | 6.4472% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0770% | 66 |
| Loan loss allowance to noncurrent loans | 2,324.0000% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0969% | 3,563 |
| Noncurrent loans to loans | 0.1754% | 3,336 |
| Net loans and leases to total assets | 53.0065% | 3,249 |
| Net loans and leases to deposits | 59.8886% | 3,396 |
| Net loans and leases to core deposits | 60.8347% | 3,556 |
| Total domestic deposits to total assets | 88.5085% | 1,556 |
| Equity capital to assets | 11.0630% | 1,937 |
| Core capital (leverage) ratio | 10.2797% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8826% | 489 |
| Memoranda: | ||
| Average total assets | $157,490,333 | 3,453 |
| Average earning assets | $152,269,000 | 3,390 |
| Average equity | $17,189,333 | 3,493 |
| Average total loans | $92,610,667 | 3,359 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8923% | 1,847 |
| Cost of funding earning assets | 0.2268% | 3,665 |
| Net interest margin | 3.6655% | 1,413 |
| Noninterest income to average assets | 0.1158% | 4,607 |
| Noninterest expense to average assets | 3.8245% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.1712% | 4,828 |
| Return on assets (ROA) | -0.1712% | 4,830 |
| Pretax return on assets | -0.1687% | 4,826 |
| Return on Equity (ROE) | -1.5791% | 4,848 |
| Retained earnings to average equity (ytd only) | -1.5791% | 4,514 |
| Net charge-offs to loans | -0.9317% | 4,914 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6143% | 145 |
| Assets per employee ($millions) | 6.2445% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6330% | 89 |
| Loan loss allowance to noncurrent loans | 987.9656% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,076 |
| Noncurrent loans to loans | 0.3677% | 2,770 |
| Net loans and leases to total assets | 56.3323% | 2,995 |
| Net loans and leases to deposits | 63.2543% | 3,195 |
| Net loans and leases to core deposits | 64.1973% | 3,394 |
| Total domestic deposits to total assets | 89.0569% | 1,316 |
| Equity capital to assets | 10.4565% | 2,311 |
| Core capital (leverage) ratio | 10.7736% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5285% | 552 |
| Memoranda: | ||
| Average total assets | $158,869,500 | 3,448 |
| Average earning assets | $153,432,500 | 3,379 |
| Average equity | $17,225,000 | 3,498 |
| Average total loans | $96,164,000 | 3,321 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0279% | 2,648 |
| Cost of funding earning assets | 0.4012% | 3,569 |
| Net interest margin | 3.6267% | 2,052 |
| Noninterest income to average assets | 0.3911% | 3,142 |
| Noninterest expense to average assets | 3.9978% | 382 |
| Loan and lease loss provision to assets | 0.0942% | 3,172 |
| Net operating income to assets | -0.2073% | 4,819 |
| Return on assets (ROA) | -0.2073% | 4,835 |
| Pretax return on assets | -0.2001% | 4,824 |
| Return on Equity (ROE) | -1.8208% | 4,843 |
| Retained earnings to average equity (ytd only) | -2.2318% | 4,720 |
| Net charge-offs to loans | -0.3868% | 4,936 |
| Credit loss provision to net charge-offs | -37.9581% | 3,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7212% | 153 |
| Assets per employee ($millions) | 5.7549% | 2,574 |
| Cash dividends to net income (ytd only)* | -22.5705% | 4,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3094% | 110 |
| Loan loss allowance to noncurrent loans | 476.9231% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 2,275 |
| Noncurrent loans to loans | 0.6939% | 1,951 |
| Net loans and leases to total assets | 60.6226% | 2,778 |
| Net loans and leases to deposits | 68.8240% | 3,003 |
| Net loans and leases to core deposits | 70.6318% | 3,217 |
| Total domestic deposits to total assets | 88.0835% | 1,436 |
| Equity capital to assets | 11.2453% | 2,060 |
| Core capital (leverage) ratio | 10.4393% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3001% | 639 |
| Memoranda: | ||
| Average total assets | $153,911,000 | 3,356 |
| Average earning assets | $148,565,400 | 3,285 |
| Average equity | $17,519,800 | 3,416 |
| Average total loans | $98,766,000 | 3,249 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 3,090 |
| Cost of funding earning assets | 0.4376% | 3,598 |
| Net interest margin | 3.5216% | 2,520 |
| Noninterest income to average assets | 0.4606% | 2,787 |
| Noninterest expense to average assets | 4.0286% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.1754% | 4,834 |
| Return on assets (ROA) | -0.1754% | 4,845 |
| Pretax return on assets | -0.1676% | 4,832 |
| Return on Equity (ROE) | -1.4748% | 4,848 |
| Retained earnings to average equity (ytd only) | -1.9979% | 4,704 |
| Net charge-offs to loans | -0.0040% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3420% | 137 |
| Assets per employee ($millions) | 6.1975% | 2,087 |
| Cash dividends to net income (ytd only)* | -35.4680% | 5,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7455% | 179 |
| Loan loss allowance to noncurrent loans | 153.2167% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 1.2058% | 828 |
| Noncurrent loans to loans | 1.7919% | 739 |
| Net loans and leases to total assets | 65.4451% | 2,587 |
| Net loans and leases to deposits | 74.3673% | 2,922 |
| Net loans and leases to core deposits | 76.4122% | 3,137 |
| Total domestic deposits to total assets | 88.0026% | 1,217 |
| Equity capital to assets | 11.3377% | 2,122 |
| Core capital (leverage) ratio | 10.8180% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9848% | 681 |
| Memoranda: | ||
| Average total assets | $154,293,250 | 3,330 |
| Average earning assets | $148,981,250 | 3,255 |
| Average equity | $18,352,000 | 3,334 |
| Average total loans | $99,915,250 | 3,242 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 3,059 |
| Cost of funding earning assets | 0.4978% | 3,544 |
| Net interest margin | 3.5976% | 2,491 |
| Noninterest income to average assets | 0.6263% | 2,029 |
| Noninterest expense to average assets | 4.1115% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0184% | 4,795 |
| Return on assets (ROA) | -0.0184% | 4,804 |
| Pretax return on assets | -0.0145% | 4,799 |
| Return on Equity (ROE) | -0.1523% | 4,805 |
| Retained earnings to average equity (ytd only) | -0.9358% | 4,470 |
| Net charge-offs to loans | -0.0041% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3532% | 180 |
| Assets per employee ($millions) | 5.4204% | 2,717 |
| Cash dividends to net income (ytd only)* | -514.2857% | 5,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8033% | 164 |
| Loan loss allowance to noncurrent loans | 153.7190% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 1.2316% | 876 |
| Noncurrent loans to loans | 1.8237% | 768 |
| Net loans and leases to total assets | 65.6424% | 2,681 |
| Net loans and leases to deposits | 74.8160% | 2,991 |
| Net loans and leases to core deposits | 79.9108% | 2,953 |
| Total domestic deposits to total assets | 87.7385% | 1,311 |
| Equity capital to assets | 11.7233% | 1,822 |
| Core capital (leverage) ratio | 11.0156% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4461% | 634 |
| Memoranda: | ||
| Average total assets | $152,012,667 | 3,338 |
| Average earning assets | $146,653,000 | 3,258 |
| Average equity | $18,379,667 | 3,330 |
| Average total loans | $97,076,333 | 3,282 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 2,082 |
| Cost of funding earning assets | 0.6056% | 3,404 |
| Net interest margin | 3.9697% | 1,481 |
| Noninterest income to average assets | 0.9798% | 898 |
| Noninterest expense to average assets | 4.4732% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3266% | 4,291 |
| Return on assets (ROA) | 0.3266% | 4,319 |
| Pretax return on assets | 0.3319% | 4,402 |
| Return on Equity (ROE) | 2.6586% | 4,299 |
| Retained earnings to average equity (ytd only) | 1.8523% | 3,493 |
| Net charge-offs to loans | -0.0043% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0919% | 396 |
| Assets per employee ($millions) | 4.6055% | 3,125 |
| Cash dividends to net income (ytd only)* | 30.3279% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3030% | 109 |
| Loan loss allowance to noncurrent loans | 165.1860% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 1.2615% | 950 |
| Noncurrent loans to loans | 1.9996% | 709 |
| Net loans and leases to total assets | 61.0037% | 3,399 |
| Net loans and leases to deposits | 70.5994% | 3,551 |
| Net loans and leases to core deposits | 76.1873% | 3,484 |
| Total domestic deposits to total assets | 86.4082% | 1,821 |
| Equity capital to assets | 12.7422% | 1,597 |
| Core capital (leverage) ratio | 12.0684% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3659% | 712 |
| Memoranda: | ||
| Average total assets | $149,423,500 | 3,328 |
| Average earning assets | $143,989,500 | 3,252 |
| Average equity | $18,355,500 | 3,341 |
| Average total loans | $92,534,500 | 3,352 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6251% | 456 |
| Cost of funding earning assets | 0.7737% | 2,808 |
| Net interest margin | 4.8513% | 365 |
| Noninterest income to average assets | 0.6972% | 1,831 |
| Noninterest expense to average assets | 4.5031% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8411% | 3,415 |
| Return on assets (ROA) | 0.8411% | 3,503 |
| Pretax return on assets | 0.8482% | 3,880 |
| Return on Equity (ROE) | 6.4253% | 3,769 |
| Retained earnings to average equity (ytd only) | 3.9755% | 2,971 |
| Net charge-offs to loans | -0.1026% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1493% | 646 |
| Assets per employee ($millions) | 5.0347% | 2,549 |
| Cash dividends to net income (ytd only)* | 38.1277% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1306% | 110 |
| Loan loss allowance to noncurrent loans | 564.3264% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 3,065 |
| Noncurrent loans to loans | 0.5547% | 2,513 |
| Net loans and leases to total assets | 58.9613% | 3,675 |
| Net loans and leases to deposits | 67.5978% | 3,853 |
| Net loans and leases to core deposits | 72.2501% | 3,844 |
| Total domestic deposits to total assets | 87.2236% | 1,503 |
| Equity capital to assets | 11.8653% | 2,230 |
| Core capital (leverage) ratio | 12.3524% | 1,566 |
| Tier 1 risk-based capital ratio | 19.0636% | 1,500 |
| Total risk-based capital ratio | 20.3380% | 1,469 |
| Memoranda: | ||
| Average total assets | $139,702,600 | 3,441 |
| Average earning assets | $134,025,200 | 3,368 |
| Average equity | $18,287,000 | 3,310 |
| Average total loans | $99,428,000 | 3,232 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9684% | 254 |
| Cost of funding earning assets | 0.7973% | 2,736 |
| Net interest margin | 5.1711% | 205 |
| Noninterest income to average assets | 0.7384% | 1,628 |
| Noninterest expense to average assets | 4.5610% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1317% | 2,445 |
| Return on assets (ROA) | 1.1317% | 2,534 |
| Pretax return on assets | 1.1385% | 3,176 |
| Return on Equity (ROE) | 8.4186% | 3,148 |
| Retained earnings to average equity (ytd only) | 5.4418% | 2,649 |
| Net charge-offs to loans | -0.1353% | 5,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0242% | 921 |
| Assets per employee ($millions) | 4.5361% | 3,140 |
| Cash dividends to net income (ytd only)* | 35.3603% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0699% | 125 |
| Loan loss allowance to noncurrent loans | 523.5915% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 2,892 |
| Noncurrent loans to loans | 0.5863% | 2,529 |
| Net loans and leases to total assets | 66.7764% | 2,950 |
| Net loans and leases to deposits | 77.8312% | 3,110 |
| Net loans and leases to core deposits | 83.9121% | 3,098 |
| Total domestic deposits to total assets | 85.7965% | 2,084 |
| Equity capital to assets | 13.1909% | 1,516 |
| Core capital (leverage) ratio | 13.0152% | 1,338 |
| Tier 1 risk-based capital ratio | 19.3489% | 1,489 |
| Total risk-based capital ratio | 20.6242% | 1,454 |
| Memoranda: | ||
| Average total assets | $135,609,000 | 3,534 |
| Average earning assets | $130,103,750 | 3,460 |
| Average equity | $18,229,000 | 3,334 |
| Average total loans | $100,535,250 | 3,258 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4919% | 114 |
| Cost of funding earning assets | 0.7757% | 2,770 |
| Net interest margin | 5.7162% | 89 |
| Noninterest income to average assets | 0.8810% | 1,116 |
| Noninterest expense to average assets | 4.7171% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6470% | 815 |
| Return on assets (ROA) | 1.6470% | 849 |
| Pretax return on assets | 1.6545% | 1,383 |
| Return on Equity (ROE) | 12.1728% | 1,514 |
| Retained earnings to average equity (ytd only) | 7.6811% | 1,528 |
| Net charge-offs to loans | -0.1985% | 5,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0333% | 1,645 |
| Assets per employee ($millions) | 4.5826% | 3,022 |
| Cash dividends to net income (ytd only)* | 36.8994% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9514% | 130 |
| Loan loss allowance to noncurrent loans | 268.0794% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8067% | 1,742 |
| Noncurrent loans to loans | 1.1010% | 1,491 |
| Net loans and leases to total assets | 71.1081% | 2,361 |
| Net loans and leases to deposits | 83.1431% | 2,588 |
| Net loans and leases to core deposits | 90.0630% | 2,594 |
| Total domestic deposits to total assets | 85.5250% | 2,252 |
| Equity capital to assets | 13.4632% | 1,339 |
| Core capital (leverage) ratio | 12.8231% | 1,390 |
| Tier 1 risk-based capital ratio | 18.5532% | 1,651 |
| Total risk-based capital ratio | 19.8263% | 1,612 |
| Memoranda: | ||
| Average total assets | $133,938,670 | 3,570 |
| Average earning assets | $128,652,000 | 3,498 |
| Average equity | $18,122,330 | 3,337 |
| Average total loans | $101,755,330 | 3,263 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7260% | 349 |
| Cost of funding earning assets | 0.7397% | 2,836 |
| Net interest margin | 4.9862% | 287 |
| Noninterest income to average assets | 1.1379% | 623 |
| Noninterest expense to average assets | 4.9694% | 208 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9564% | 3,022 |
| Return on assets (ROA) | 0.9564% | 3,065 |
| Pretax return on assets | 0.9624% | 3,577 |
| Return on Equity (ROE) | 7.0500% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.0238% | 2,448 |
| Net charge-offs to loans | -0.3911% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3571% | 1,023 |
| Assets per employee ($millions) | 4.3999% | 3,331 |
| Cash dividends to net income (ytd only)* | 14.5570% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9341% | 141 |
| Loan loss allowance to noncurrent loans | 76.3814% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 2.8527% | 229 |
| Noncurrent loans to loans | 3.8414% | 209 |
| Net loans and leases to total assets | 72.0832% | 2,150 |
| Net loans and leases to deposits | 84.0320% | 2,381 |
| Net loans and leases to core deposits | 91.1823% | 2,380 |
| Total domestic deposits to total assets | 85.7806% | 2,372 |
| Equity capital to assets | 13.2744% | 1,306 |
| Core capital (leverage) ratio | 13.2586% | 1,163 |
| Tier 1 risk-based capital ratio | 18.1338% | 1,761 |
| Total risk-based capital ratio | 19.4066% | 1,710 |
| Memoranda: | ||
| Average total assets | $132,169,000 | 3,631 |
| Average earning assets | $127,070,000 | 3,559 |
| Average equity | $17,929,000 | 3,358 |
| Average total loans | $102,267,500 | 3,287 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9846% | 1,079 |
| Cost of funding earning assets | 0.4403% | 3,737 |
| Net interest margin | 4.5443% | 702 |
| Noninterest income to average assets | 1.5962% | 372 |
| Noninterest expense to average assets | 4.7254% | 253 |
| Loan and lease loss provision to assets | 0.1355% | 1,594 |
| Net operating income to assets | 1.0942% | 2,624 |
| Return on assets (ROA) | 1.0942% | 2,622 |
| Pretax return on assets | 1.1003% | 3,266 |
| Return on Equity (ROE) | 8.3038% | 3,320 |
| Retained earnings to average equity (ytd only) | 4.7401% | 2,919 |
| Net charge-offs to loans | -0.0039% | 4,307 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8490% | 1,387 |
| Assets per employee ($millions) | 4.4117% | 3,294 |
| Cash dividends to net income (ytd only)* | 42.9161% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7818% | 168 |
| Loan loss allowance to noncurrent loans | 65.4214% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 3.4313% | 156 |
| Noncurrent loans to loans | 4.2521% | 166 |
| Net loans and leases to total assets | 78.4516% | 1,191 |
| Net loans and leases to deposits | 92.4669% | 1,484 |
| Net loans and leases to core deposits | 100.9576% | 1,650 |
| Total domestic deposits to total assets | 84.8429% | 2,712 |
| Equity capital to assets | 13.8753% | 1,008 |
| Core capital (leverage) ratio | 12.6976% | 1,376 |
| Tier 1 risk-based capital ratio | 17.9822% | 1,757 |
| Total risk-based capital ratio | 19.2549% | 1,714 |
| Memoranda: | ||
| Average total assets | $132,877,000 | 3,608 |
| Average earning assets | $127,633,400 | 3,532 |
| Average equity | $17,510,000 | 3,343 |
| Average total loans | $102,678,800 | 3,248 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 1,364 |
| Cost of funding earning assets | 0.3900% | 3,933 |
| Net interest margin | 4.4341% | 839 |
| Noninterest income to average assets | 1.8154% | 318 |
| Noninterest expense to average assets | 4.6239% | 264 |
| Loan and lease loss provision to assets | 0.1789% | 1,016 |
| Net operating income to assets | 1.2676% | 1,973 |
| Return on assets (ROA) | 1.2676% | 1,980 |
| Pretax return on assets | 1.2735% | 2,711 |
| Return on Equity (ROE) | 9.7422% | 2,735 |
| Retained earnings to average equity (ytd only) | 5.7765% | 2,771 |
| Net charge-offs to loans | -0.0039% | 4,181 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3168% | 1,833 |
| Assets per employee ($millions) | 4.2414% | 3,517 |
| Cash dividends to net income (ytd only)* | 40.7057% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7746% | 175 |
| Loan loss allowance to noncurrent loans | 67.8403% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 3.0236% | 238 |
| Noncurrent loans to loans | 4.0900% | 198 |
| Net loans and leases to total assets | 71.8755% | 2,346 |
| Net loans and leases to deposits | 83.2254% | 2,685 |
| Net loans and leases to core deposits | 90.6063% | 2,607 |
| Total domestic deposits to total assets | 86.3625% | 2,033 |
| Equity capital to assets | 12.6058% | 1,518 |
| Core capital (leverage) ratio | 12.1570% | 1,686 |
| Tier 1 risk-based capital ratio | 16.6392% | 2,225 |
| Total risk-based capital ratio | 17.9107% | 2,166 |
| Memoranda: | ||
| Average total assets | $134,111,250 | 3,619 |
| Average earning assets | $128,877,500 | 3,546 |
| Average equity | $17,449,500 | 3,378 |
| Average total loans | $102,537,750 | 3,284 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0791% | 690 |
| Cost of funding earning assets | 0.3650% | 3,979 |
| Net interest margin | 4.7140% | 421 |
| Noninterest income to average assets | 1.9683% | 282 |
| Noninterest expense to average assets | 4.6964% | 257 |
| Loan and lease loss provision to assets | 0.0453% | 2,996 |
| Net operating income to assets | 1.7462% | 661 |
| Return on assets (ROA) | 1.7462% | 661 |
| Pretax return on assets | 1.7523% | 1,093 |
| Return on Equity (ROE) | 13.1180% | 1,334 |
| Retained earnings to average equity (ytd only) | 12.0059% | 514 |
| Net charge-offs to loans | -0.0039% | 4,047 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3652% | 2,253 |
| Assets per employee ($millions) | 4.2787% | 3,458 |
| Cash dividends to net income (ytd only)* | 8.4775% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5790% | 227 |
| Loan loss allowance to noncurrent loans | 1,320.3883% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 4,236 |
| Noncurrent loans to loans | 0.1953% | 4,023 |
| Net loans and leases to total assets | 75.0422% | 1,782 |
| Net loans and leases to deposits | 87.6531% | 2,153 |
| Net loans and leases to core deposits | 95.7006% | 2,085 |
| Total domestic deposits to total assets | 85.6127% | 2,450 |
| Equity capital to assets | 13.2955% | 1,185 |
| Core capital (leverage) ratio | 13.1166% | 1,179 |
| Tier 1 risk-based capital ratio | 17.4976% | 1,941 |
| Total risk-based capital ratio | 18.7678% | 1,889 |
| Memoranda: | ||
| Average total assets | $132,399,330 | 3,670 |
| Average earning assets | $127,109,670 | 3,601 |
| Average equity | $17,624,670 | 3,380 |
| Average total loans | $102,466,000 | 3,298 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 853 |
| Cost of funding earning assets | 0.3528% | 3,965 |
| Net interest margin | 4.5570% | 548 |
| Noninterest income to average assets | 1.6352% | 368 |
| Noninterest expense to average assets | 5.0776% | 210 |
| Loan and lease loss provision to assets | 0.0922% | 1,971 |
| Net operating income to assets | 0.8237% | 3,616 |
| Return on assets (ROA) | 0.8237% | 3,627 |
| Pretax return on assets | 0.8330% | 4,075 |
| Return on Equity (ROE) | 6.1840% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.8379% | 2,788 |
| Net charge-offs to loans | -0.0040% | 3,933 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5909% | 894 |
| Assets per employee ($millions) | 4.4047% | 3,314 |
| Cash dividends to net income (ytd only)* | 5.5970% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6227% | 224 |
| Loan loss allowance to noncurrent loans | 355.8901% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 2,522 |
| Noncurrent loans to loans | 0.7369% | 2,364 |
| Net loans and leases to total assets | 79.0325% | 1,075 |
| Net loans and leases to deposits | 92.4580% | 1,395 |
| Net loans and leases to core deposits | 100.3040% | 1,665 |
| Total domestic deposits to total assets | 85.4794% | 2,761 |
| Equity capital to assets | 13.6234% | 1,006 |
| Core capital (leverage) ratio | 12.5548% | 1,367 |
| Tier 1 risk-based capital ratio | 16.7870% | 2,183 |
| Total risk-based capital ratio | 18.0573% | 2,126 |
| Memoranda: | ||
| Average total assets | $130,139,500 | 3,748 |
| Average earning assets | $124,730,000 | 3,666 |
| Average equity | $17,335,000 | 3,430 |
| Average total loans | $100,965,500 | 3,342 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,551 |
| Cost of funding earning assets | 0.3642% | 3,573 |
| Net interest margin | 4.1896% | 1,211 |
| Noninterest income to average assets | 1.5951% | 408 |
| Noninterest expense to average assets | 4.2098% | 413 |
| Loan and lease loss provision to assets | 0.1893% | 1,115 |
| Net operating income to assets | 1.2188% | 1,456 |
| Return on assets (ROA) | 1.2188% | 1,481 |
| Pretax return on assets | 1.2188% | 2,693 |
| Return on Equity (ROE) | 9.8842% | 1,941 |
| Retained earnings to average equity (ytd only) | 9.8842% | 367 |
| Net charge-offs to loans | 0.0282% | 3,250 |
| Credit loss provision to net charge-offs | 892.8571% | 395 |
| Earnings coverage of net charge-offs (x) | 66.4286% | 888 |
| Efficiency ratio | 73.5480% | 1,971 |
| Assets per employee ($millions) | 4.7337% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7356% | 189 |
| Loan loss allowance to noncurrent loans | 460.2740% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 3,106 |
| Noncurrent loans to loans | 0.5943% | 2,740 |
| Net loans and leases to total assets | 72.1057% | 2,222 |
| Net loans and leases to deposits | 83.8085% | 2,513 |
| Net loans and leases to core deposits | 90.6453% | 2,497 |
| Total domestic deposits to total assets | 86.0362% | 2,419 |
| Equity capital to assets | 13.0282% | 1,254 |
| Core capital (leverage) ratio | 11.8032% | 1,722 |
| Tier 1 risk-based capital ratio | 17.0156% | 2,087 |
| Total risk-based capital ratio | 18.2866% | 2,031 |
| Memoranda: | ||
| Average total assets | $132,095,400 | 3,715 |
| Average earning assets | $126,838,600 | 3,631 |
| Average equity | $16,288,600 | 3,559 |
| Average total loans | $99,204,400 | 3,367 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 1,553 |
| Cost of funding earning assets | 0.3689% | 3,472 |
| Net interest margin | 4.1625% | 1,246 |
| Noninterest income to average assets | 1.3284% | 594 |
| Noninterest expense to average assets | 4.1489% | 429 |
| Loan and lease loss provision to assets | 0.1010% | 2,097 |
| Net operating income to assets | 1.0789% | 2,183 |
| Return on assets (ROA) | 1.0789% | 2,238 |
| Pretax return on assets | 1.0789% | 3,389 |
| Return on Equity (ROE) | 8.8755% | 2,682 |
| Retained earnings to average equity (ytd only) | 8.8755% | 890 |
| Net charge-offs to loans | 0.0389% | 2,661 |
| Credit loss provision to net charge-offs | 344.8276% | 875 |
| Earnings coverage of net charge-offs (x) | 40.2713% | 1,289 |
| Efficiency ratio | 76.6635% | 1,500 |
| Assets per employee ($millions) | 4.7014% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5029% | 263 |
| Loan loss allowance to noncurrent loans | 430.1695% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 3,298 |
| Noncurrent loans to loans | 0.5818% | 2,947 |
| Net loans and leases to total assets | 72.5143% | 2,180 |
| Net loans and leases to deposits | 83.5370% | 2,610 |
| Net loans and leases to core deposits | 91.1577% | 2,515 |
| Total domestic deposits to total assets | 86.8050% | 1,957 |
| Equity capital to assets | 12.3221% | 1,767 |
| Core capital (leverage) ratio | 11.6176% | 1,937 |
| Tier 1 risk-based capital ratio | 16.3477% | 2,366 |
| Total risk-based capital ratio | 17.6177% | 2,311 |
| Memoranda: | ||
| Average total assets | $131,983,500 | 3,756 |
| Average earning assets | $126,844,500 | 3,668 |
| Average equity | $16,043,750 | 3,621 |
| Average total loans | $99,440,750 | 3,389 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 1,700 |
| Cost of funding earning assets | 0.3691% | 3,391 |
| Net interest margin | 4.0700% | 1,407 |
| Noninterest income to average assets | 0.5439% | 2,750 |
| Noninterest expense to average assets | 4.0726% | 486 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3739% | 5,036 |
| Return on assets (ROA) | 0.3739% | 5,062 |
| Pretax return on assets | 0.3739% | 5,223 |
| Return on Equity (ROE) | 3.0902% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.0902% | 3,875 |
| Net charge-offs to loans | 0.0648% | 2,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 2,586 |
| Efficiency ratio | 90.2826% | 441 |
| Assets per employee ($millions) | 4.7395% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4509% | 295 |
| Loan loss allowance to noncurrent loans | 408.5570% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4491% | 3,317 |
| Noncurrent loans to loans | 0.5999% | 2,931 |
| Net loans and leases to total assets | 73.0293% | 2,037 |
| Net loans and leases to deposits | 83.8256% | 2,507 |
| Net loans and leases to core deposits | 92.9515% | 2,252 |
| Total domestic deposits to total assets | 87.1205% | 1,898 |
| Equity capital to assets | 12.0725% | 1,880 |
| Core capital (leverage) ratio | 11.7424% | 1,799 |
| Tier 1 risk-based capital ratio | 15.9251% | 2,531 |
| Total risk-based capital ratio | 17.1923% | 2,471 |
| Memoranda: | ||
| Average total assets | $130,531,330 | 3,797 |
| Average earning assets | $125,161,000 | 3,721 |
| Average equity | $15,791,670 | 3,663 |
| Average total loans | $98,786,330 | 3,419 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 1,732 |
| Cost of funding earning assets | 0.3810% | 3,196 |
| Net interest margin | 3.9944% | 1,488 |
| Noninterest income to average assets | 0.2287% | 4,905 |
| Noninterest expense to average assets | 3.9739% | 556 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0773% | 5,541 |
| Return on assets (ROA) | 0.0773% | 5,546 |
| Pretax return on assets | 0.0773% | 5,544 |
| Return on Equity (ROE) | 0.6379% | 5,546 |
| Retained earnings to average equity (ytd only) | 0.6379% | 4,764 |
| Net charge-offs to loans | -0.0041% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1861% | 314 |
| Assets per employee ($millions) | 4.5525% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4860% | 316 |
| Loan loss allowance to noncurrent loans | 407.7686% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 3,323 |
| Noncurrent loans to loans | 0.6097% | 2,995 |
| Net loans and leases to total assets | 75.9153% | 1,427 |
| Net loans and leases to deposits | 87.2824% | 1,882 |
| Net loans and leases to core deposits | 97.2338% | 1,729 |
| Total domestic deposits to total assets | 86.9766% | 2,223 |
| Equity capital to assets | 12.3252% | 1,647 |
| Core capital (leverage) ratio | 11.5823% | 1,891 |
| Tier 1 risk-based capital ratio | 15.7340% | 2,651 |
| Total risk-based capital ratio | 17.0014% | 2,588 |
| Memoranda: | ||
| Average total assets | $129,443,500 | 3,850 |
| Average earning assets | $123,874,500 | 3,775 |
| Average equity | $15,677,000 | 3,698 |
| Average total loans | $98,504,500 | 3,448 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 1,657 |
| Cost of funding earning assets | 0.3164% | 3,885 |
| Net interest margin | 4.1430% | 1,264 |
| Noninterest income to average assets | 0.4486% | 3,558 |
| Noninterest expense to average assets | 3.7451% | 830 |
| Loan and lease loss provision to assets | 0.1202% | 2,059 |
| Net operating income to assets | 0.5696% | 4,349 |
| Return on assets (ROA) | 0.5696% | 4,454 |
| Pretax return on assets | 0.5696% | 4,873 |
| Return on Equity (ROE) | 4.5959% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.5959% | 2,641 |
| Net charge-offs to loans | -0.0147% | 5,044 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2731% | 1,077 |
| Assets per employee ($millions) | 4.8673% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5222% | 304 |
| Loan loss allowance to noncurrent loans | 404.2623% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 3,403 |
| Noncurrent loans to loans | 0.6239% | 2,977 |
| Net loans and leases to total assets | 72.5224% | 2,089 |
| Net loans and leases to deposits | 82.9281% | 2,556 |
| Net loans and leases to core deposits | 92.0111% | 2,303 |
| Total domestic deposits to total assets | 87.4521% | 1,901 |
| Equity capital to assets | 11.9034% | 1,873 |
| Core capital (leverage) ratio | 10.6655% | 2,702 |
| Tier 1 risk-based capital ratio | 15.9060% | 2,588 |
| Total risk-based capital ratio | 17.1741% | 2,515 |
| Memoranda: | ||
| Average total assets | $124,831,000 | 3,910 |
| Average earning assets | $120,105,200 | 3,826 |
| Average equity | $15,470,200 | 3,758 |
| Average total loans | $95,202,000 | 3,478 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 1,790 |
| Cost of funding earning assets | 0.2854% | 4,248 |
| Net interest margin | 4.1356% | 1,292 |
| Noninterest income to average assets | 0.5130% | 3,162 |
| Noninterest expense to average assets | 3.8586% | 706 |
| Loan and lease loss provision to assets | 0.1223% | 1,904 |
| Net operating income to assets | 0.5163% | 4,638 |
| Return on assets (ROA) | 0.5163% | 4,739 |
| Pretax return on assets | 0.5163% | 5,086 |
| Return on Equity (ROE) | 4.1225% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.1225% | 3,374 |
| Net charge-offs to loans | -0.0197% | 5,004 |
| Credit loss provision to net charge-offs | -807.1429% | 5,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8135% | 923 |
| Assets per employee ($millions) | 4.9749% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4038% | 374 |
| Loan loss allowance to noncurrent loans | 393.0421% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 3,648 |
| Noncurrent loans to loans | 0.6116% | 3,185 |
| Net loans and leases to total assets | 70.7982% | 2,376 |
| Net loans and leases to deposits | 80.3911% | 2,916 |
| Net loans and leases to core deposits | 88.9004% | 2,671 |
| Total domestic deposits to total assets | 88.0671% | 1,369 |
| Equity capital to assets | 11.2236% | 2,774 |
| Core capital (leverage) ratio | 11.2703% | 2,212 |
| Tier 1 risk-based capital ratio | 15.3657% | 2,886 |
| Total risk-based capital ratio | 16.6320% | 2,810 |
| Memoranda: | ||
| Average total assets | $123,184,750 | 3,962 |
| Average earning assets | $118,675,000 | 3,874 |
| Average equity | $15,427,000 | 3,790 |
| Average total loans | $94,559,500 | 3,502 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 1,633 |
| Cost of funding earning assets | 0.2590% | 4,559 |
| Net interest margin | 4.2038% | 1,108 |
| Noninterest income to average assets | 0.6502% | 2,368 |
| Noninterest expense to average assets | 3.9859% | 603 |
| Loan and lease loss provision to assets | 0.1273% | 1,789 |
| Net operating income to assets | 0.5874% | 4,324 |
| Return on assets (ROA) | 0.5874% | 4,449 |
| Pretax return on assets | 0.5874% | 4,916 |
| Return on Equity (ROE) | 4.5058% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.5058% | 3,045 |
| Net charge-offs to loans | -0.0281% | 5,088 |
| Credit loss provision to net charge-offs | -576.9231% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8570% | 1,063 |
| Assets per employee ($millions) | 4.1524% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4472% | 386 |
| Loan loss allowance to noncurrent loans | 381.1802% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 3,472 |
| Noncurrent loans to loans | 0.6420% | 3,153 |
| Net loans and leases to total assets | 79.1158% | 1,045 |
| Net loans and leases to deposits | 91.6509% | 1,561 |
| Net loans and leases to core deposits | 98.6304% | 1,758 |
| Total domestic deposits to total assets | 86.3230% | 2,251 |
| Equity capital to assets | 12.9396% | 1,543 |
| Core capital (leverage) ratio | 12.1582% | 1,534 |
| Tier 1 risk-based capital ratio | 15.5899% | 2,826 |
| Total risk-based capital ratio | 16.8568% | 2,762 |
| Memoranda: | ||
| Average total assets | $117,814,330 | 4,094 |
| Average earning assets | $113,515,670 | 3,989 |
| Average equity | $15,358,000 | 3,819 |
| Average total loans | $92,396,670 | 3,559 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 1,587 |
| Cost of funding earning assets | 0.1960% | 5,240 |
| Net interest margin | 4.2766% | 964 |
| Noninterest income to average assets | 0.8137% | 1,575 |
| Noninterest expense to average assets | 3.9001% | 685 |
| Loan and lease loss provision to assets | 0.1305% | 1,621 |
| Net operating income to assets | 0.9029% | 2,739 |
| Return on assets (ROA) | 0.9029% | 2,865 |
| Pretax return on assets | 0.9029% | 3,833 |
| Return on Equity (ROE) | 6.9002% | 3,504 |
| Retained earnings to average equity (ytd only) | 6.9002% | 1,931 |
| Net charge-offs to loans | -0.0356% | 5,145 |
| Credit loss provision to net charge-offs | -475.0000% | 4,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2185% | 1,868 |
| Assets per employee ($millions) | 4.6871% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5164% | 383 |
| Loan loss allowance to noncurrent loans | 369.1824% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 3,513 |
| Noncurrent loans to loans | 0.6816% | 3,137 |
| Net loans and leases to total assets | 74.6400% | 1,623 |
| Net loans and leases to deposits | 86.0443% | 2,057 |
| Net loans and leases to core deposits | 92.2440% | 2,164 |
| Total domestic deposits to total assets | 86.7460% | 2,330 |
| Equity capital to assets | 12.6131% | 1,610 |
| Core capital (leverage) ratio | 13.1392% | 1,109 |
| Tier 1 risk-based capital ratio | 15.0734% | 3,121 |
| Total risk-based capital ratio | 16.3395% | 3,056 |
| Memoranda: | ||
| Average total assets | $116,511,000 | 4,144 |
| Average earning assets | $112,240,000 | 4,038 |
| Average equity | $15,246,000 | 3,845 |
| Average total loans | $89,764,000 | 3,625 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 1,937 |
| Cost of funding earning assets | 0.2084% | 5,211 |
| Net interest margin | 4.1812% | 1,207 |
| Noninterest income to average assets | 0.5847% | 2,804 |
| Noninterest expense to average assets | 3.8412% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7609% | 3,523 |
| Return on assets (ROA) | 0.7609% | 3,611 |
| Pretax return on assets | 0.7609% | 4,334 |
| Return on Equity (ROE) | 5.8157% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.8157% | 1,886 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4792% | 1,344 |
| Assets per employee ($millions) | 4.8329% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6711% | 330 |
| Loan loss allowance to noncurrent loans | 322.0979% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 3,124 |
| Noncurrent loans to loans | 0.8293% | 2,720 |
| Net loans and leases to total assets | 75.4941% | 1,494 |
| Net loans and leases to deposits | 88.1787% | 1,858 |
| Net loans and leases to core deposits | 96.6051% | 1,787 |
| Total domestic deposits to total assets | 85.6149% | 2,809 |
| Equity capital to assets | 13.6033% | 1,087 |
| Core capital (leverage) ratio | 12.8421% | 1,211 |
| Tier 1 risk-based capital ratio | 15.7473% | 2,807 |
| Total risk-based capital ratio | 17.0143% | 2,739 |
| Memoranda: | ||
| Average total assets | $112,360,400 | 4,211 |
| Average earning assets | $107,959,400 | 4,095 |
| Average equity | $14,701,600 | 3,881 |
| Average total loans | $82,261,000 | 3,764 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 1,757 |
| Cost of funding earning assets | 0.2132% | 5,255 |
| Net interest margin | 4.2362% | 1,087 |
| Noninterest income to average assets | 0.5574% | 3,005 |
| Noninterest expense to average assets | 3.8143% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8118% | 3,376 |
| Return on assets (ROA) | 0.8118% | 3,466 |
| Pretax return on assets | 0.8118% | 4,301 |
| Return on Equity (ROE) | 6.2661% | 4,017 |
| Retained earnings to average equity (ytd only) | 6.2661% | 2,080 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3507% | 1,482 |
| Assets per employee ($millions) | 4.5008% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8486% | 284 |
| Loan loss allowance to noncurrent loans | 317.2176% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 3,408 |
| Noncurrent loans to loans | 0.8980% | 2,728 |
| Net loans and leases to total assets | 67.1202% | 2,838 |
| Net loans and leases to deposits | 77.5215% | 3,148 |
| Net loans and leases to core deposits | 84.6772% | 2,970 |
| Total domestic deposits to total assets | 86.5826% | 2,241 |
| Equity capital to assets | 12.7440% | 1,593 |
| Core capital (leverage) ratio | 12.5381% | 1,391 |
| Tier 1 risk-based capital ratio | 16.9359% | 2,401 |
| Total risk-based capital ratio | 18.2050% | 2,339 |
| Memoranda: | ||
| Average total assets | $112,661,250 | 4,255 |
| Average earning assets | $108,207,750 | 4,140 |
| Average equity | $14,596,750 | 3,935 |
| Average total loans | $81,271,250 | 3,823 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 1,714 |
| Cost of funding earning assets | 0.2196% | 5,259 |
| Net interest margin | 4.2204% | 1,068 |
| Noninterest income to average assets | 0.5413% | 3,100 |
| Noninterest expense to average assets | 3.9224% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6636% | 4,063 |
| Return on assets (ROA) | 0.6636% | 4,166 |
| Pretax return on assets | 0.6636% | 4,779 |
| Return on Equity (ROE) | 5.0927% | 4,579 |
| Retained earnings to average equity (ytd only) | 5.0927% | 2,800 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3333% | 1,114 |
| Assets per employee ($millions) | 4.5438% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8849% | 304 |
| Loan loss allowance to noncurrent loans | 81.6527% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.5142% | 750 |
| Noncurrent loans to loans | 3.5332% | 494 |
| Net loans and leases to total assets | 69.1075% | 2,464 |
| Net loans and leases to deposits | 79.7922% | 2,821 |
| Net loans and leases to core deposits | 87.2885% | 2,632 |
| Total domestic deposits to total assets | 86.6093% | 2,366 |
| Equity capital to assets | 12.7674% | 1,509 |
| Core capital (leverage) ratio | 12.7050% | 1,293 |
| Tier 1 risk-based capital ratio | 16.9163% | 2,438 |
| Total risk-based capital ratio | 18.1864% | 2,381 |
| Memoranda: | ||
| Average total assets | $111,208,330 | 4,314 |
| Average earning assets | $106,578,670 | 4,211 |
| Average equity | $14,491,330 | 3,965 |
| Average total loans | $81,412,670 | 3,838 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 1,109 |
| Cost of funding earning assets | 0.2284% | 5,235 |
| Net interest margin | 4.4314% | 685 |
| Noninterest income to average assets | 0.8944% | 1,402 |
| Noninterest expense to average assets | 4.0103% | 685 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1162% | 1,811 |
| Return on assets (ROA) | 1.1162% | 1,915 |
| Pretax return on assets | 1.1162% | 3,010 |
| Return on Equity (ROE) | 8.4774% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.4774% | 1,385 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8014% | 2,211 |
| Assets per employee ($millions) | 3.9881% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8338% | 355 |
| Loan loss allowance to noncurrent loans | 333.6195% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 3,561 |
| Noncurrent loans to loans | 0.8494% | 3,122 |
| Net loans and leases to total assets | 74.2587% | 1,459 |
| Net loans and leases to deposits | 86.6448% | 1,759 |
| Net loans and leases to core deposits | 94.8023% | 1,708 |
| Total domestic deposits to total assets | 85.7047% | 3,094 |
| Equity capital to assets | 13.6006% | 1,130 |
| Core capital (leverage) ratio | 12.5084% | 1,361 |
| Tier 1 risk-based capital ratio | 16.1835% | 2,830 |
| Total risk-based capital ratio | 17.4412% | 2,771 |
| Memoranda: | ||
| Average total assets | $110,015,500 | 4,367 |
| Average earning assets | $105,069,500 | 4,272 |
| Average equity | $14,485,500 | 3,999 |
| Average total loans | $81,702,000 | 3,836 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,555 |
| Cost of funding earning assets | 0.3101% | 4,682 |
| Net interest margin | 4.0042% | 1,885 |
| Noninterest income to average assets | 0.7050% | 2,280 |
| Noninterest expense to average assets | 4.1495% | 637 |
| Loan and lease loss provision to assets | -0.1008% | 6,149 |
| Net operating income to assets | 0.4313% | 5,106 |
| Return on assets (ROA) | 0.4313% | 5,193 |
| Pretax return on assets | 0.4313% | 5,419 |
| Return on Equity (ROE) | 3.6940% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.6940% | 3,585 |
| Net charge-offs to loans | -0.0491% | 5,933 |
| Credit loss provision to net charge-offs | 283.3333% | 897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3208% | 684 |
| Assets per employee ($millions) | 4.1612% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8751% | 340 |
| Loan loss allowance to noncurrent loans | 328.9140% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 3,686 |
| Noncurrent loans to loans | 0.8741% | 3,131 |
| Net loans and leases to total assets | 70.1180% | 2,223 |
| Net loans and leases to deposits | 80.9992% | 2,605 |
| Net loans and leases to core deposits | 89.9632% | 2,290 |
| Total domestic deposits to total assets | 86.5663% | 2,530 |
| Equity capital to assets | 12.7510% | 1,502 |
| Core capital (leverage) ratio | 11.4712% | 1,990 |
| Tier 1 risk-based capital ratio | 17.0249% | 2,503 |
| Total risk-based capital ratio | 18.2961% | 2,446 |
| Memoranda: | ||
| Average total assets | $118,014,800 | 4,227 |
| Average earning assets | $111,258,000 | 4,156 |
| Average equity | $13,779,000 | 4,059 |
| Average total loans | $85,503,000 | 3,728 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 2,447 |
| Cost of funding earning assets | 0.3323% | 4,540 |
| Net interest margin | 4.0102% | 1,851 |
| Noninterest income to average assets | 0.2970% | 5,081 |
| Noninterest expense to average assets | 3.9810% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0882% | 6,046 |
| Return on assets (ROA) | 0.0882% | 6,068 |
| Pretax return on assets | 0.0882% | 6,075 |
| Return on Equity (ROE) | 0.7721% | 6,064 |
| Retained earnings to average equity (ytd only) | 0.7721% | 5,568 |
| Net charge-offs to loans | 0.1232% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.9875% | 4,263 |
| Efficiency ratio | 97.5309% | 452 |
| Assets per employee ($millions) | 4.1191% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7744% | 454 |
| Loan loss allowance to noncurrent loans | 184.6947% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0556% | 2,847 |
| Noncurrent loans to loans | 1.5021% | 2,158 |
| Net loans and leases to total assets | 68.3265% | 2,478 |
| Net loans and leases to deposits | 77.8649% | 2,964 |
| Net loans and leases to core deposits | 90.8472% | 2,133 |
| Total domestic deposits to total assets | 87.7500% | 1,899 |
| Equity capital to assets | 11.6213% | 2,381 |
| Core capital (leverage) ratio | 11.0724% | 2,413 |
| Tier 1 risk-based capital ratio | 16.6376% | 2,755 |
| Total risk-based capital ratio | 17.9093% | 2,699 |
| Memoranda: | ||
| Average total assets | $119,430,500 | 4,232 |
| Average earning assets | $112,344,250 | 4,161 |
| Average equity | $13,642,250 | 4,103 |
| Average total loans | $86,601,000 | 3,739 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,215 |
| Cost of funding earning assets | 0.3584% | 4,337 |
| Net interest margin | 4.0295% | 1,726 |
| Noninterest income to average assets | 0.2177% | 5,647 |
| Noninterest expense to average assets | 4.0913% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0888% | 6,250 |
| Return on assets (ROA) | -0.0888% | 6,265 |
| Pretax return on assets | -0.0888% | 6,250 |
| Return on Equity (ROE) | -0.7816% | 6,260 |
| Retained earnings to average equity (ytd only) | -0.7816% | 5,824 |
| Net charge-offs to loans | 0.1989% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.6092% | 4,186 |
| Efficiency ratio | 101.9247% | 354 |
| Assets per employee ($millions) | 4.0134% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6852% | 547 |
| Loan loss allowance to noncurrent loans | 186.8061% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 3,006 |
| Noncurrent loans to loans | 1.4374% | 2,402 |
| Net loans and leases to total assets | 69.8919% | 2,105 |
| Net loans and leases to deposits | 79.4501% | 2,588 |
| Net loans and leases to core deposits | 92.2042% | 1,926 |
| Total domestic deposits to total assets | 87.9696% | 1,916 |
| Equity capital to assets | 11.3602% | 2,544 |
| Core capital (leverage) ratio | 10.7929% | 2,630 |
| Tier 1 risk-based capital ratio | 15.8626% | 3,164 |
| Total risk-based capital ratio | 17.1327% | 3,089 |
| Memoranda: | ||
| Average total assets | $119,423,000 | 4,254 |
| Average earning assets | $112,172,000 | 4,183 |
| Average equity | $13,562,330 | 4,123 |
| Average total loans | $87,485,670 | 3,733 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 1,823 |
| Cost of funding earning assets | 0.3580% | 4,458 |
| Net interest margin | 4.1389% | 1,369 |
| Noninterest income to average assets | 0.2119% | 5,658 |
| Noninterest expense to average assets | 4.2444% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1446% | 6,315 |
| Return on assets (ROA) | -0.1446% | 6,323 |
| Pretax return on assets | -0.1446% | 6,312 |
| Return on Equity (ROE) | -1.2736% | 6,318 |
| Retained earnings to average equity (ytd only) | -1.2736% | 5,768 |
| Net charge-offs to loans | -0.0364% | 5,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2814% | 395 |
| Assets per employee ($millions) | 4.0061% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7062% | 618 |
| Loan loss allowance to noncurrent loans | 179.3027% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 2,940 |
| Noncurrent loans to loans | 1.5093% | 2,529 |
| Net loans and leases to total assets | 74.7979% | 1,153 |
| Net loans and leases to deposits | 85.3724% | 1,687 |
| Net loans and leases to core deposits | 100.6265% | 1,063 |
| Total domestic deposits to total assets | 87.6137% | 2,450 |
| Equity capital to assets | 11.6813% | 2,115 |
| Core capital (leverage) ratio | 10.8186% | 2,575 |
| Tier 1 risk-based capital ratio | 15.2513% | 3,578 |
| Total risk-based capital ratio | 16.5210% | 3,519 |
| Memoranda: | ||
| Average total assets | $118,933,000 | 4,300 |
| Average earning assets | $111,721,000 | 4,226 |
| Average equity | $13,504,500 | 4,150 |
| Average total loans | $87,991,500 | 3,748 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 2,153 |
| Cost of funding earning assets | 0.3705% | 4,951 |
| Net interest margin | 4.1439% | 1,527 |
| Noninterest income to average assets | 0.3899% | 4,517 |
| Noninterest expense to average assets | 4.3382% | 606 |
| Loan and lease loss provision to assets | -0.6245% | 6,766 |
| Net operating income to assets | 0.6170% | 4,181 |
| Return on assets (ROA) | 0.6170% | 4,293 |
| Pretax return on assets | 0.6170% | 4,816 |
| Return on Equity (ROE) | 5.5798% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.5798% | 2,232 |
| Net charge-offs to loans | -0.2917% | 6,670 |
| Credit loss provision to net charge-offs | 304.0650% | 752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9422% | 478 |
| Assets per employee ($millions) | 4.1962% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7807% | 617 |
| Loan loss allowance to noncurrent loans | 104.7826% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.8901% | 1,922 |
| Noncurrent loans to loans | 2.6538% | 1,391 |
| Net loans and leases to total assets | 69.2404% | 2,135 |
| Net loans and leases to deposits | 78.4503% | 2,669 |
| Net loans and leases to core deposits | 91.3713% | 1,865 |
| Total domestic deposits to total assets | 88.2602% | 2,024 |
| Equity capital to assets | 11.0429% | 2,576 |
| Core capital (leverage) ratio | 10.5721% | 2,817 |
| Tier 1 risk-based capital ratio | 15.6762% | 3,263 |
| Total risk-based capital ratio | 16.9467% | 3,213 |
| Memoranda: | ||
| Average total assets | $119,773,600 | 4,282 |
| Average earning assets | $113,901,000 | 4,185 |
| Average equity | $13,244,200 | 4,217 |
| Average total loans | $84,339,600 | 3,816 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 2,155 |
| Cost of funding earning assets | 0.3729% | 5,069 |
| Net interest margin | 4.1471% | 1,492 |
| Noninterest income to average assets | 0.4247% | 4,331 |
| Noninterest expense to average assets | 4.4348% | 555 |
| Loan and lease loss provision to assets | -0.5588% | 6,839 |
| Net operating income to assets | 0.5018% | 4,780 |
| Return on assets (ROA) | 0.5018% | 4,948 |
| Pretax return on assets | 0.5018% | 5,353 |
| Return on Equity (ROE) | 4.5367% | 4,965 |
| Retained earnings to average equity (ytd only) | 4.5367% | 3,446 |
| Net charge-offs to loans | 0.0239% | 4,652 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,324 |
| Earnings coverage of net charge-offs (x) | -3.4000% | 5,110 |
| Efficiency ratio | 101.0722% | 429 |
| Assets per employee ($millions) | 3.9301% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8394% | 651 |
| Loan loss allowance to noncurrent loans | 104.1286% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 1.8296% | 2,232 |
| Noncurrent loans to loans | 2.7269% | 1,548 |
| Net loans and leases to total assets | 65.1922% | 2,767 |
| Net loans and leases to deposits | 73.4440% | 3,326 |
| Net loans and leases to core deposits | 85.7694% | 2,437 |
| Total domestic deposits to total assets | 88.7645% | 1,685 |
| Equity capital to assets | 10.4928% | 3,283 |
| Core capital (leverage) ratio | 9.9789% | 3,707 |
| Tier 1 risk-based capital ratio | 15.6026% | 3,406 |
| Total risk-based capital ratio | 16.8738% | 3,352 |
| Memoranda: | ||
| Average total assets | $119,294,750 | 4,331 |
| Average earning assets | $113,714,000 | 4,231 |
| Average equity | $13,195,750 | 4,271 |
| Average total loans | $83,757,500 | 3,865 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 1,624 |
| Cost of funding earning assets | 0.3577% | 5,336 |
| Net interest margin | 4.3227% | 991 |
| Noninterest income to average assets | 0.5207% | 3,694 |
| Noninterest expense to average assets | 4.2292% | 676 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4183% | 5,146 |
| Return on assets (ROA) | 0.4183% | 5,300 |
| Pretax return on assets | 0.4183% | 5,594 |
| Return on Equity (ROE) | 3.7133% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.7133% | 3,942 |
| Net charge-offs to loans | 0.0455% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.8947% | 1,944 |
| Efficiency ratio | 90.7788% | 1,001 |
| Assets per employee ($millions) | 3.7936% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5432% | 355 |
| Loan loss allowance to noncurrent loans | 121.4106% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.9027% | 2,277 |
| Noncurrent loans to loans | 2.9184% | 1,536 |
| Net loans and leases to total assets | 62.8873% | 3,122 |
| Net loans and leases to deposits | 70.6074% | 3,641 |
| Net loans and leases to core deposits | 80.9984% | 2,912 |
| Total domestic deposits to total assets | 89.0661% | 1,592 |
| Equity capital to assets | 10.4234% | 3,396 |
| Core capital (leverage) ratio | 10.9298% | 2,427 |
| Tier 1 risk-based capital ratio | 15.5929% | 3,432 |
| Total risk-based capital ratio | 16.8730% | 3,363 |
| Memoranda: | ||
| Average total assets | $117,139,000 | 4,412 |
| Average earning assets | $111,827,000 | 4,295 |
| Average equity | $13,195,670 | 4,299 |
| Average total loans | $83,549,000 | 3,883 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6411% | 1,708 |
| Cost of funding earning assets | 0.3639% | 5,420 |
| Net interest margin | 4.2772% | 1,012 |
| Noninterest income to average assets | 0.8027% | 2,112 |
| Noninterest expense to average assets | 4.4097% | 579 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4668% | 4,842 |
| Return on assets (ROA) | 0.4668% | 5,004 |
| Pretax return on assets | 0.4668% | 5,369 |
| Return on Equity (ROE) | 3.9792% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.9792% | 3,845 |
| Net charge-offs to loans | -0.0095% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2828% | 1,122 |
| Assets per employee ($millions) | 3.4829% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4705% | 428 |
| Loan loss allowance to noncurrent loans | 211.7006% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 1.2346% | 3,503 |
| Noncurrent loans to loans | 1.6393% | 3,083 |
| Net loans and leases to total assets | 72.6973% | 1,246 |
| Net loans and leases to deposits | 83.0130% | 1,708 |
| Net loans and leases to core deposits | 91.3214% | 1,574 |
| Total domestic deposits to total assets | 87.5733% | 2,586 |
| Equity capital to assets | 11.9197% | 2,095 |
| Core capital (leverage) ratio | 11.2695% | 2,043 |
| Tier 1 risk-based capital ratio | 14.7578% | 3,991 |
| Total risk-based capital ratio | 16.0351% | 3,949 |
| Memoranda: | ||
| Average total assets | $113,114,000 | 4,550 |
| Average earning assets | $107,733,000 | 4,430 |
| Average equity | $13,269,000 | 4,338 |
| Average total loans | $84,513,500 | 3,885 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 2,309 |
| Cost of funding earning assets | 0.4181% | 5,802 |
| Net interest margin | 4.3543% | 1,272 |
| Noninterest income to average assets | 0.4225% | 4,435 |
| Noninterest expense to average assets | 4.3001% | 680 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2655% | 5,589 |
| Return on assets (ROA) | 0.2655% | 5,802 |
| Pretax return on assets | 0.2655% | 5,892 |
| Return on Equity (ROE) | 2.3192% | 5,816 |
| Retained earnings to average equity (ytd only) | 2.3192% | 4,605 |
| Net charge-offs to loans | 0.3303% | 2,991 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.0866% | 4,918 |
| Efficiency ratio | 94.0881% | 793 |
| Assets per employee ($millions) | 3.7024% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4211% | 459 |
| Loan loss allowance to noncurrent loans | 197.0887% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2869% | 3,503 |
| Noncurrent loans to loans | 1.7358% | 3,008 |
| Net loans and leases to total assets | 71.6007% | 1,552 |
| Net loans and leases to deposits | 81.4145% | 2,086 |
| Net loans and leases to core deposits | 89.2639% | 1,929 |
| Total domestic deposits to total assets | 87.9459% | 2,275 |
| Equity capital to assets | 11.5470% | 2,399 |
| Core capital (leverage) ratio | 10.8157% | 2,426 |
| Tier 1 risk-based capital ratio | 14.7409% | 3,870 |
| Total risk-based capital ratio | 16.0197% | 3,806 |
| Memoranda: | ||
| Average total assets | $113,368,400 | 4,512 |
| Average earning assets | $107,871,400 | 4,396 |
| Average equity | $12,978,600 | 4,363 |
| Average total loans | $83,870,000 | 3,912 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 2,394 |
| Cost of funding earning assets | 0.4228% | 5,967 |
| Net interest margin | 4.3763% | 1,258 |
| Noninterest income to average assets | 0.4695% | 4,138 |
| Noninterest expense to average assets | 4.3367% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2973% | 5,626 |
| Return on assets (ROA) | 0.2973% | 5,825 |
| Pretax return on assets | 0.2973% | 5,961 |
| Return on Equity (ROE) | 2.6026% | 5,849 |
| Retained earnings to average equity (ytd only) | 2.6026% | 5,009 |
| Net charge-offs to loans | 0.3622% | 2,653 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.1101% | 4,743 |
| Efficiency ratio | 93.5845% | 803 |
| Assets per employee ($millions) | 3.6382% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4078% | 505 |
| Loan loss allowance to noncurrent loans | 112.6712% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 2.3301% | 2,281 |
| Noncurrent loans to loans | 3.0245% | 1,840 |
| Net loans and leases to total assets | 74.4155% | 1,184 |
| Net loans and leases to deposits | 84.8289% | 1,760 |
| Net loans and leases to core deposits | 93.5048% | 1,624 |
| Total domestic deposits to total assets | 87.7242% | 2,210 |
| Equity capital to assets | 11.6489% | 2,595 |
| Core capital (leverage) ratio | 10.7495% | 2,655 |
| Tier 1 risk-based capital ratio | 14.5945% | 4,122 |
| Total risk-based capital ratio | 15.8740% | 4,069 |
| Memoranda: | ||
| Average total assets | $113,017,000 | 4,564 |
| Average earning assets | $107,546,500 | 4,451 |
| Average equity | $12,910,000 | 4,413 |
| Average total loans | $83,565,000 | 3,972 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 2,674 |
| Cost of funding earning assets | 0.4207% | 6,162 |
| Net interest margin | 4.3409% | 1,364 |
| Noninterest income to average assets | 0.3625% | 4,938 |
| Noninterest expense to average assets | 4.3751% | 607 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1114% | 6,130 |
| Return on assets (ROA) | 0.1114% | 6,294 |
| Pretax return on assets | 0.1114% | 6,306 |
| Return on Equity (ROE) | 0.9818% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.9818% | 5,683 |
| Net charge-offs to loans | 0.5627% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.2716% | 4,944 |
| Efficiency ratio | 97.5168% | 640 |
| Assets per employee ($millions) | 3.8012% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4159% | 531 |
| Loan loss allowance to noncurrent loans | 112.8244% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 3.0104% | 1,831 |
| Noncurrent loans to loans | 3.0276% | 1,948 |
| Net loans and leases to total assets | 73.2929% | 1,353 |
| Net loans and leases to deposits | 83.2323% | 1,952 |
| Net loans and leases to core deposits | 91.7525% | 1,803 |
| Total domestic deposits to total assets | 88.0583% | 2,104 |
| Equity capital to assets | 11.3297% | 2,750 |
| Core capital (leverage) ratio | 10.7597% | 2,531 |
| Tier 1 risk-based capital ratio | 14.1240% | 4,358 |
| Total risk-based capital ratio | 15.4017% | 4,307 |
| Memoranda: | ||
| Average total assets | $113,095,000 | 4,589 |
| Average earning assets | $107,444,000 | 4,474 |
| Average equity | $12,834,000 | 4,425 |
| Average total loans | $82,457,000 | 4,026 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 2,681 |
| Cost of funding earning assets | 0.4268% | 6,276 |
| Net interest margin | 4.3621% | 1,307 |
| Noninterest income to average assets | 0.3694% | 4,916 |
| Noninterest expense to average assets | 4.4396% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0675% | 6,298 |
| Return on assets (ROA) | 0.0675% | 6,417 |
| Pretax return on assets | 0.0675% | 6,427 |
| Return on Equity (ROE) | 0.5942% | 6,424 |
| Retained earnings to average equity (ytd only) | 0.5942% | 5,816 |
| Net charge-offs to loans | 0.5372% | 1,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1759% | 4,285 |
| Efficiency ratio | 98.5028% | 610 |
| Assets per employee ($millions) | 3.5969% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8300% | 427 |
| Loan loss allowance to noncurrent loans | 115.1402% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 3.1281% | 1,856 |
| Noncurrent loans to loans | 3.3264% | 1,914 |
| Net loans and leases to total assets | 69.3583% | 1,874 |
| Net loans and leases to deposits | 78.8970% | 2,355 |
| Net loans and leases to core deposits | 86.0468% | 2,285 |
| Total domestic deposits to total assets | 87.9100% | 2,383 |
| Equity capital to assets | 11.4587% | 2,477 |
| Core capital (leverage) ratio | 10.8066% | 2,434 |
| Tier 1 risk-based capital ratio | 14.6063% | 4,017 |
| Total risk-based capital ratio | 15.8874% | 3,956 |
| Memoranda: | ||
| Average total assets | $112,624,000 | 4,636 |
| Average earning assets | $106,830,000 | 4,518 |
| Average equity | $12,791,000 | 4,440 |
| Average total loans | $80,417,000 | 4,112 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 4,418 |
| Cost of funding earning assets | 0.5242% | 6,440 |
| Net interest margin | 4.1365% | 2,281 |
| Noninterest income to average assets | 0.8289% | 1,929 |
| Noninterest expense to average assets | 4.8006% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0722% | 6,134 |
| Return on assets (ROA) | 0.2366% | 5,613 |
| Pretax return on assets | 0.2366% | 5,700 |
| Return on Equity (ROE) | 2.2535% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.2535% | 4,606 |
| Net charge-offs to loans | 0.4293% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -0.2409% | 5,979 |
| Efficiency ratio | 101.5259% | 632 |
| Assets per employee ($millions) | 3.5545% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9644% | 392 |
| Loan loss allowance to noncurrent loans | 118.5571% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 3.0789% | 1,948 |
| Noncurrent loans to loans | 3.3439% | 1,937 |
| Net loans and leases to total assets | 67.8969% | 2,415 |
| Net loans and leases to deposits | 77.0270% | 2,996 |
| Net loans and leases to core deposits | 84.1933% | 2,868 |
| Total domestic deposits to total assets | 88.1470% | 2,065 |
| Equity capital to assets | 11.2578% | 2,733 |
| Core capital (leverage) ratio | 10.8989% | 2,349 |
| Tier 1 risk-based capital ratio | 14.8863% | 3,708 |
| Total risk-based capital ratio | 16.1704% | 3,653 |
| Memoranda: | ||
| Average total assets | $119,194,000 | 4,421 |
| Average earning assets | $112,366,400 | 4,320 |
| Average equity | $12,513,600 | 4,440 |
| Average total loans | $83,164,200 | 4,044 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 4,567 |
| Cost of funding earning assets | 0.5614% | 6,470 |
| Net interest margin | 4.1139% | 2,417 |
| Noninterest income to average assets | 0.9799% | 1,395 |
| Noninterest expense to average assets | 4.8020% | 437 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0520% | 6,073 |
| Return on assets (ROA) | 0.3097% | 5,535 |
| Pretax return on assets | 0.3097% | 5,685 |
| Return on Equity (ROE) | 3.0008% | 5,418 |
| Retained earnings to average equity (ytd only) | 3.0008% | 4,551 |
| Net charge-offs to loans | 0.3705% | 3,240 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.2017% | 5,446 |
| Efficiency ratio | 98.9291% | 698 |
| Assets per employee ($millions) | 3.3906% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2557% | 325 |
| Loan loss allowance to noncurrent loans | 122.9855% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 3.1826% | 2,009 |
| Noncurrent loans to loans | 3.4603% | 1,986 |
| Net loans and leases to total assets | 66.5943% | 2,764 |
| Net loans and leases to deposits | 78.2363% | 2,934 |
| Net loans and leases to core deposits | 82.4560% | 3,259 |
| Total domestic deposits to total assets | 85.1194% | 3,714 |
| Equity capital to assets | 11.4987% | 2,683 |
| Core capital (leverage) ratio | 10.1284% | 3,276 |
| Tier 1 risk-based capital ratio | 14.9808% | 3,670 |
| Total risk-based capital ratio | 16.2670% | 3,619 |
| Memoranda: | ||
| Average total assets | $120,556,750 | 4,404 |
| Average earning assets | $113,530,500 | 4,314 |
| Average equity | $12,440,750 | 4,465 |
| Average total loans | $83,851,250 | 4,066 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7506% | 4,299 |
| Cost of funding earning assets | 0.5925% | 6,501 |
| Net interest margin | 4.1581% | 2,193 |
| Noninterest income to average assets | 1.0580% | 1,172 |
| Noninterest expense to average assets | 4.6579% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3111% | 5,326 |
| Return on assets (ROA) | 0.4374% | 4,918 |
| Pretax return on assets | 0.4374% | 5,273 |
| Return on Equity (ROE) | 4.3906% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.3906% | 3,399 |
| Net charge-offs to loans | 0.0955% | 4,721 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.6829% | 2,802 |
| Efficiency ratio | 93.7398% | 995 |
| Assets per employee ($millions) | 3.6281% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3110% | 332 |
| Loan loss allowance to noncurrent loans | 72.6218% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 5.2929% | 1,142 |
| Noncurrent loans to loans | 5.9362% | 1,016 |
| Net loans and leases to total assets | 64.9620% | 3,265 |
| Net loans and leases to deposits | 73.7838% | 3,840 |
| Net loans and leases to core deposits | 77.6799% | 4,091 |
| Total domestic deposits to total assets | 88.0436% | 2,110 |
| Equity capital to assets | 10.5465% | 3,449 |
| Core capital (leverage) ratio | 9.5265% | 3,916 |
| Tier 1 risk-based capital ratio | 14.2062% | 4,011 |
| Total risk-based capital ratio | 15.4935% | 3,956 |
| Memoranda: | ||
| Average total assets | $123,445,330 | 4,355 |
| Average earning assets | $116,112,000 | 4,274 |
| Average equity | $12,299,000 | 4,476 |
| Average total loans | $85,860,000 | 4,049 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 4,182 |
| Cost of funding earning assets | 0.6171% | 6,536 |
| Net interest margin | 4.1573% | 2,050 |
| Noninterest income to average assets | 1.6631% | 493 |
| Noninterest expense to average assets | 4.7788% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7981% | 3,046 |
| Return on assets (ROA) | 0.7981% | 3,115 |
| Pretax return on assets | 0.7981% | 3,904 |
| Return on Equity (ROE) | 8.2406% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.2406% | 1,642 |
| Net charge-offs to loans | 0.1089% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 10.4167% | 1,634 |
| Efficiency ratio | 85.6898% | 1,749 |
| Assets per employee ($millions) | 4.0304% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0627% | 407 |
| Loan loss allowance to noncurrent loans | 112.4561% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 3.7162% | 1,819 |
| Noncurrent loans to loans | 3.6127% | 2,054 |
| Net loans and leases to total assets | 66.5474% | 2,869 |
| Net loans and leases to deposits | 80.4118% | 2,634 |
| Net loans and leases to core deposits | 84.2213% | 3,137 |
| Total domestic deposits to total assets | 82.7583% | 5,009 |
| Equity capital to assets | 9.8158% | 4,019 |
| Core capital (leverage) ratio | 9.5416% | 3,744 |
| Tier 1 risk-based capital ratio | 12.9620% | 4,855 |
| Total risk-based capital ratio | 14.2449% | 4,816 |
| Memoranda: | ||
| Average total assets | $125,304,500 | 4,353 |
| Average earning assets | $117,962,000 | 4,255 |
| Average equity | $12,135,000 | 4,518 |
| Average total loans | $88,149,500 | 4,013 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 6,394 |
| Cost of funding earning assets | 1.5157% | 2,552 |
| Net interest margin | 2.9868% | 6,750 |
| Noninterest income to average assets | 0.1990% | 6,354 |
| Noninterest expense to average assets | 3.9203% | 1,282 |
| Loan and lease loss provision to assets | 1.3019% | 1,179 |
| Net operating income to assets | -2.1943% | 7,106 |
| Return on assets (ROA) | -1.5923% | 6,958 |
| Pretax return on assets | -1.5923% | 6,890 |
| Return on Equity (ROE) | -20.0606% | 7,039 |
| Retained earnings to average equity (ytd only) | -20.0606% | 7,012 |
| Net charge-offs to loans | 1.3949% | 1,597 |
| Credit loss provision to net charge-offs | 141.6145% | 2,650 |
| Earnings coverage of net charge-offs (x) | -0.9708% | 6,597 |
| Efficiency ratio | 129.4739% | 322 |
| Assets per employee ($millions) | 3.9271% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9550% | 422 |
| Loan loss allowance to noncurrent loans | 69.0495% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 5.7254% | 1,065 |
| Noncurrent loans to loans | 5.7278% | 1,114 |
| Net loans and leases to total assets | 68.5043% | 2,862 |
| Net loans and leases to deposits | 80.9128% | 3,008 |
| Net loans and leases to core deposits | 85.9007% | 3,332 |
| Total domestic deposits to total assets | 84.6644% | 4,017 |
| Equity capital to assets | 9.5537% | 4,337 |
| Core capital (leverage) ratio | 8.4381% | 5,471 |
| Tier 1 risk-based capital ratio | 12.1846% | 5,303 |
| Total risk-based capital ratio | 13.4665% | 5,249 |
| Memoranda: | ||
| Average total assets | $156,314,600 | 3,768 |
| Average earning assets | $148,051,600 | 3,659 |
| Average equity | $12,407,400 | 4,505 |
| Average total loans | $103,019,800 | 3,710 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 6,833 |
| Cost of funding earning assets | 1.4114% | 3,513 |
| Net interest margin | 2.9762% | 6,875 |
| Noninterest income to average assets | 0.1382% | 6,864 |
| Noninterest expense to average assets | 3.6468% | 1,679 |
| Loan and lease loss provision to assets | 1.6547% | 775 |
| Net operating income to assets | -2.3393% | 7,309 |
| Return on assets (ROA) | -1.5742% | 7,134 |
| Pretax return on assets | -1.5742% | 7,064 |
| Return on Equity (ROE) | -20.6374% | 7,237 |
| Retained earnings to average equity (ytd only) | -20.6374% | 7,222 |
| Net charge-offs to loans | 1.6358% | 1,207 |
| Credit loss provision to net charge-offs | 155.9387% | 2,459 |
| Earnings coverage of net charge-offs (x) | -0.6452% | 6,372 |
| Efficiency ratio | 123.1128% | 362 |
| Assets per employee ($millions) | 3.8509% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7822% | 440 |
| Loan loss allowance to noncurrent loans | 54.0338% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 5.2434% | 1,198 |
| Noncurrent loans to loans | 6.9997% | 808 |
| Net loans and leases to total assets | 63.9232% | 4,142 |
| Net loans and leases to deposits | 87.8593% | 2,028 |
| Net loans and leases to core deposits | 95.0562% | 2,381 |
| Total domestic deposits to total assets | 72.7563% | 7,056 |
| Equity capital to assets | 9.1215% | 5,417 |
| Core capital (leverage) ratio | 7.8070% | 6,564 |
| Tier 1 risk-based capital ratio | 11.7819% | 5,660 |
| Total risk-based capital ratio | 13.0616% | 5,607 |
| Memoranda: | ||
| Average total assets | $163,976,250 | 3,680 |
| Average earning assets | $155,586,500 | 3,581 |
| Average equity | $12,507,750 | 4,546 |
| Average total loans | $106,366,500 | 3,672 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 6,943 |
| Cost of funding earning assets | 1.4784% | 3,377 |
| Net interest margin | 2.8996% | 7,010 |
| Noninterest income to average assets | 0.0341% | 7,416 |
| Noninterest expense to average assets | 3.3263% | 2,481 |
| Loan and lease loss provision to assets | 2.3255% | 501 |
| Net operating income to assets | -2.8695% | 7,488 |
| Return on assets (ROA) | -1.8863% | 7,287 |
| Pretax return on assets | -1.8863% | 7,206 |
| Return on Equity (ROE) | -26.2029% | 7,384 |
| Retained earnings to average equity (ytd only) | -26.2029% | 7,368 |
| Net charge-offs to loans | 3.4803% | 425 |
| Credit loss provision to net charge-offs | 103.7290% | 3,934 |
| Earnings coverage of net charge-offs (x) | -0.2426% | 5,899 |
| Efficiency ratio | 119.5514% | 424 |
| Assets per employee ($millions) | 4.2244% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0007% | 819 |
| Loan loss allowance to noncurrent loans | 46.9071% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 4.5487% | 1,451 |
| Noncurrent loans to loans | 6.3970% | 948 |
| Net loans and leases to total assets | 60.7741% | 4,913 |
| Net loans and leases to deposits | 82.5863% | 3,166 |
| Net loans and leases to core deposits | 89.8814% | 3,289 |
| Total domestic deposits to total assets | 73.5886% | 7,029 |
| Equity capital to assets | 6.8349% | 7,403 |
| Core capital (leverage) ratio | 6.1671% | 7,453 |
| Tier 1 risk-based capital ratio | 9.4995% | 7,262 |
| Total risk-based capital ratio | 10.7687% | 7,258 |
| Memoranda: | ||
| Average total assets | $169,856,670 | 3,601 |
| Average earning assets | $160,987,670 | 3,493 |
| Average equity | $12,227,670 | 4,618 |
| Average total loans | $109,415,670 | 3,651 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 6,720 |
| Cost of funding earning assets | 1.5438% | 3,309 |
| Net interest margin | 2.9904% | 6,851 |
| Noninterest income to average assets | 0.2498% | 6,153 |
| Noninterest expense to average assets | 3.1973% | 2,875 |
| Loan and lease loss provision to assets | 0.3667% | 3,169 |
| Net operating income to assets | -0.4905% | 6,821 |
| Return on assets (ROA) | 1.4050% | 1,135 |
| Pretax return on assets | 1.4050% | 1,764 |
| Return on Equity (ROE) | 19.0735% | 433 |
| Retained earnings to average equity (ytd only) | 19.0735% | 210 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0268% | 729 |
| Assets per employee ($millions) | 4.8807% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8165% | 966 |
| Loan loss allowance to noncurrent loans | 30.7137% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 5.7574% | 1,057 |
| Noncurrent loans to loans | 9.1702% | 518 |
| Net loans and leases to total assets | 61.0157% | 4,936 |
| Net loans and leases to deposits | 84.8996% | 2,786 |
| Net loans and leases to core deposits | 96.7302% | 2,496 |
| Total domestic deposits to total assets | 71.8680% | 7,274 |
| Equity capital to assets | 7.3345% | 7,194 |
| Core capital (leverage) ratio | 7.2715% | 7,054 |
| Tier 1 risk-based capital ratio | 10.3571% | 6,752 |
| Total risk-based capital ratio | 11.6237% | 6,734 |
| Memoranda: | ||
| Average total assets | $174,520,500 | 3,582 |
| Average earning assets | $164,793,500 | 3,482 |
| Average equity | $12,855,500 | 4,508 |
| Average total loans | $113,834,500 | 3,596 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 6,164 |
| Cost of funding earning assets | 1.7044% | 4,483 |
| Net interest margin | 3.3748% | 5,469 |
| Noninterest income to average assets | 0.3006% | 5,947 |
| Noninterest expense to average assets | 4.4108% | 863 |
| Loan and lease loss provision to assets | 2.1153% | 996 |
| Net operating income to assets | -3.1034% | 7,424 |
| Return on assets (ROA) | -3.0001% | 7,405 |
| Pretax return on assets | -2.9786% | 7,286 |
| Return on Equity (ROE) | -31.8071% | 7,436 |
| Retained earnings to average equity (ytd only) | -31.8071% | 7,421 |
| Net charge-offs to loans | 1.9568% | 1,261 |
| Credit loss provision to net charge-offs | 162.4295% | 2,714 |
| Earnings coverage of net charge-offs (x) | -0.7423% | 6,825 |
| Efficiency ratio | 94.5046% | 1,382 |
| Assets per employee ($millions) | 4.4445% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5112% | 1,208 |
| Loan loss allowance to noncurrent loans | 35.3527% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 4.8091% | 1,306 |
| Noncurrent loans to loans | 7.1032% | 780 |
| Net loans and leases to total assets | 66.0032% | 4,148 |
| Net loans and leases to deposits | 90.4869% | 2,142 |
| Net loans and leases to core deposits | 140.3056% | 801 |
| Total domestic deposits to total assets | 72.9423% | 7,161 |
| Equity capital to assets | 7.3983% | 7,123 |
| Core capital (leverage) ratio | 6.7236% | 7,401 |
| Tier 1 risk-based capital ratio | 9.3467% | 7,305 |
| Total risk-based capital ratio | 10.6102% | 7,282 |
| Memoranda: | ||
| Average total assets | $176,996,800 | 3,487 |
| Average earning assets | $164,869,800 | 3,426 |
| Average equity | $16,694,400 | 3,731 |
| Average total loans | $117,796,600 | 3,527 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 6,418 |
| Cost of funding earning assets | 1.7011% | 4,894 |
| Net interest margin | 3.3588% | 5,415 |
| Noninterest income to average assets | 0.3125% | 5,983 |
| Noninterest expense to average assets | 3.2525% | 3,115 |
| Loan and lease loss provision to assets | 2.7204% | 581 |
| Net operating income to assets | -2.5578% | 7,476 |
| Return on assets (ROA) | -2.5046% | 7,467 |
| Pretax return on assets | -2.4761% | 7,339 |
| Return on Equity (ROE) | -25.2287% | 7,510 |
| Retained earnings to average equity (ytd only) | -25.2287% | 7,489 |
| Net charge-offs to loans | 2.3611% | 784 |
| Credit loss provision to net charge-offs | 173.8506% | 2,667 |
| Earnings coverage of net charge-offs (x) | 0.1221% | 5,909 |
| Efficiency ratio | 94.4505% | 1,373 |
| Assets per employee ($millions) | 4.5667% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5158% | 1,046 |
| Loan loss allowance to noncurrent loans | 37.4739% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 4.6901% | 1,278 |
| Noncurrent loans to loans | 6.7135% | 840 |
| Net loans and leases to total assets | 68.1042% | 3,934 |
| Net loans and leases to deposits | 95.5748% | 1,640 |
| Net loans and leases to core deposits | 142.4315% | 822 |
| Total domestic deposits to total assets | 71.2575% | 7,309 |
| Equity capital to assets | 8.9331% | 5,588 |
| Core capital (leverage) ratio | 6.8642% | 7,511 |
| Tier 1 risk-based capital ratio | 8.9639% | 7,634 |
| Total risk-based capital ratio | 10.2278% | 7,645 |
| Memoranda: | ||
| Average total assets | $177,911,750 | 3,496 |
| Average earning assets | $165,850,500 | 3,450 |
| Average equity | $17,662,000 | 3,584 |
| Average total loans | $117,907,000 | 3,558 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0765% | 6,525 |
| Cost of funding earning assets | 1.6906% | 5,318 |
| Net interest margin | 3.3859% | 5,230 |
| Noninterest income to average assets | 0.3200% | 5,950 |
| Noninterest expense to average assets | 3.2346% | 3,216 |
| Loan and lease loss provision to assets | 0.1338% | 5,750 |
| Net operating income to assets | 0.0964% | 5,575 |
| Return on assets (ROA) | 0.1739% | 5,444 |
| Pretax return on assets | 0.1773% | 5,521 |
| Return on Equity (ROE) | 1.6973% | 5,404 |
| Retained earnings to average equity (ytd only) | 1.6973% | 4,396 |
| Net charge-offs to loans | -0.0582% | 7,873 |
| Credit loss provision to net charge-offs | -352.9412% | 7,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3097% | 1,547 |
| Assets per employee ($millions) | 4.5677% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 3,296 |
| Loan loss allowance to noncurrent loans | 88.5928% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 4,919 |
| Noncurrent loans to loans | 1.6727% | 3,989 |
| Net loans and leases to total assets | 60.4763% | 5,603 |
| Net loans and leases to deposits | 88.3911% | 3,108 |
| Net loans and leases to core deposits | 130.4345% | 1,528 |
| Total domestic deposits to total assets | 68.4190% | 7,594 |
| Equity capital to assets | 9.9952% | 3,943 |
| Core capital (leverage) ratio | 8.5598% | 5,336 |
| Tier 1 risk-based capital ratio | 11.8524% | 5,043 |
| Total risk-based capital ratio | 13.1036% | 4,958 |
| Memoranda: | ||
| Average total assets | $179,371,000 | 3,490 |
| Average earning assets | $166,690,330 | 3,450 |
| Average equity | $18,382,000 | 3,494 |
| Average total loans | $116,798,000 | 3,608 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 6,527 |
| Cost of funding earning assets | 1.6548% | 5,795 |
| Net interest margin | 3.4846% | 4,787 |
| Noninterest income to average assets | 0.3421% | 5,718 |
| Noninterest expense to average assets | 3.0906% | 3,410 |
| Loan and lease loss provision to assets | 0.1351% | 5,230 |
| Net operating income to assets | 0.3811% | 4,943 |
| Return on assets (ROA) | 0.4479% | 4,832 |
| Pretax return on assets | 0.4547% | 5,231 |
| Return on Equity (ROE) | 4.3162% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.3162% | 3,510 |
| Net charge-offs to loans | -0.1142% | 7,912 |
| Credit loss provision to net charge-offs | -176.4706% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5452% | 2,127 |
| Assets per employee ($millions) | 4.5709% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 3,581 |
| Loan loss allowance to noncurrent loans | 457.7143% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 6,945 |
| Noncurrent loans to loans | 0.3026% | 6,678 |
| Net loans and leases to total assets | 63.9757% | 4,991 |
| Net loans and leases to deposits | 94.8558% | 2,128 |
| Net loans and leases to core deposits | 143.1870% | 961 |
| Total domestic deposits to total assets | 67.4453% | 7,636 |
| Equity capital to assets | 10.5253% | 3,434 |
| Core capital (leverage) ratio | 8.7297% | 5,095 |
| Tier 1 risk-based capital ratio | 11.4991% | 5,415 |
| Total risk-based capital ratio | 12.7490% | 5,311 |
| Memoranda: | ||
| Average total assets | $177,702,500 | 3,549 |
| Average earning assets | $166,790,500 | 3,468 |
| Average equity | $18,442,000 | 3,493 |
| Average total loans | $119,118,500 | 3,581 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1760% | 4,637 |
| Cost of funding earning assets | 1.9946% | 6,429 |
| Net interest margin | 4.1815% | 2,387 |
| Noninterest income to average assets | 0.4153% | 5,342 |
| Noninterest expense to average assets | 3.1086% | 3,663 |
| Loan and lease loss provision to assets | 2.4986% | 417 |
| Net operating income to assets | -1.2904% | 7,382 |
| Return on assets (ROA) | -1.1643% | 7,268 |
| Pretax return on assets | -1.1643% | 7,097 |
| Return on Equity (ROE) | -10.3670% | 7,303 |
| Retained earnings to average equity (ytd only) | -14.8765% | 7,448 |
| Net charge-offs to loans | 3.9287% | 172 |
| Credit loss provision to net charge-offs | 97.0280% | 5,479 |
| Earnings coverage of net charge-offs (x) | 0.4692% | 5,955 |
| Efficiency ratio | 72.0115% | 3,931 |
| Assets per employee ($millions) | 4.4285% | 2,729 |
| Cash dividends to net income (ytd only)* | -43.4993% | 8,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 4,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 68.3525% | 4,398 |
| Net loans and leases to deposits | 98.0730% | 2,118 |
| Net loans and leases to core deposits | 140.6636% | 1,233 |
| Total domestic deposits to total assets | 69.6955% | 7,313 |
| Equity capital to assets | 10.2298% | 3,770 |
| Core capital (leverage) ratio | 8.6870% | 5,218 |
| Tier 1 risk-based capital ratio | 10.9685% | 5,754 |
| Total risk-based capital ratio | 12.1181% | 5,756 |
| Memoranda: | ||
| Average total assets | $177,698,600 | 3,436 |
| Average earning assets | $165,801,800 | 3,392 |
| Average equity | $19,957,600 | 3,237 |
| Average total loans | $116,475,600 | 3,533 |