Home > BlueHarbor Bank > Performance and Condition Ratios
BlueHarbor Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 1,835 |
| Cost of funding earning assets | 1.1839% | 2,844 |
| Net interest margin | 3.9267% | 1,322 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 1.8875% | 3,856 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.7017% | 732 |
| Return on assets (ROA) | 1.7017% | 698 |
| Pretax return on assets | 2.1879% | 499 |
| Return on Equity (ROE) | 15.5100% | 1,193 |
| Retained earnings to average equity (ytd only) | 15.5086% | 295 |
| Net charge-offs to loans | -0.0038% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 45.3569% | 4,218 |
| Assets per employee ($millions) | 11.6251% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 3,494 |
| Loan loss allowance to noncurrent loans | 7,777.2727% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,710 |
| Noncurrent loans to loans | 0.0123% | 3,664 |
| Net loans and leases to total assets | 82.1600% | 415 |
| Net loans and leases to deposits | 94.2761% | 917 |
| Net loans and leases to core deposits | 100.9602% | 1,376 |
| Total domestic deposits to total assets | 87.1400% | 1,632 |
| Equity capital to assets | 11.4854% | 1,290 |
| Core capital (leverage) ratio | 12.3733% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2929% | 1,443 |
| Memoranda: | ||
| Average total assets | $420,764,200 | 1,949 |
| Average earning assets | $392,082,600 | 1,943 |
| Average equity | $46,168,000 | 1,704 |
| Average total loans | $343,886,400 | 1,634 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 1,789 |
| Cost of funding earning assets | 1.0172% | 2,988 |
| Net interest margin | 4.0038% | 1,207 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.8603% | 3,868 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.8000% | 672 |
| Return on assets (ROA) | 1.8000% | 662 |
| Pretax return on assets | 2.3153% | 474 |
| Return on Equity (ROE) | 16.6000% | 1,153 |
| Retained earnings to average equity (ytd only) | 16.6047% | 417 |
| Net charge-offs to loans | -0.0051% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.8486% | 4,234 |
| Assets per employee ($millions) | 11.9145% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 3,538 |
| Loan loss allowance to noncurrent loans | 6,243.3962% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,724 |
| Noncurrent loans to loans | 0.0153% | 3,682 |
| Net loans and leases to total assets | 79.8000% | 673 |
| Net loans and leases to deposits | 90.8949% | 1,157 |
| Net loans and leases to core deposits | 93.8790% | 1,684 |
| Total domestic deposits to total assets | 87.7900% | 1,647 |
| Equity capital to assets | 10.9573% | 1,360 |
| Core capital (leverage) ratio | 12.0556% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2838% | 1,478 |
| Memoranda: | ||
| Average total assets | $418,423,000 | 1,958 |
| Average earning assets | $390,223,750 | 1,948 |
| Average equity | $45,359,500 | 1,711 |
| Average total loans | $340,658,750 | 1,640 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 1,699 |
| Cost of funding earning assets | 0.8102% | 3,175 |
| Net interest margin | 4.1154% | 1,062 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 1.8635% | 3,887 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.9194% | 542 |
| Return on assets (ROA) | 1.9194% | 537 |
| Pretax return on assets | 2.4699% | 369 |
| Return on Equity (ROE) | 17.7700% | 981 |
| Retained earnings to average equity (ytd only) | 17.7715% | 352 |
| Net charge-offs to loans | -0.0077% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.8081% | 4,308 |
| Assets per employee ($millions) | 12.0806% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 3,632 |
| Loan loss allowance to noncurrent loans | 5,486.4407% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 3,701 |
| Noncurrent loans to loans | 0.0173% | 3,639 |
| Net loans and leases to total assets | 80.0200% | 620 |
| Net loans and leases to deposits | 91.1079% | 1,100 |
| Net loans and leases to core deposits | 93.0718% | 1,620 |
| Total domestic deposits to total assets | 87.8300% | 1,666 |
| Equity capital to assets | 11.0435% | 1,375 |
| Core capital (leverage) ratio | 12.0499% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1631% | 1,522 |
| Memoranda: | ||
| Average total assets | $414,923,667 | 1,965 |
| Average earning assets | $386,309,333 | 1,959 |
| Average equity | $44,813,333 | 1,729 |
| Average total loans | $339,014,667 | 1,633 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 1,589 |
| Cost of funding earning assets | 0.5333% | 3,584 |
| Net interest margin | 4.2831% | 830 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 1.8532% | 3,947 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 2.0361% | 462 |
| Return on assets (ROA) | 2.0361% | 455 |
| Pretax return on assets | 2.6221% | 313 |
| Return on Equity (ROE) | 19.0700% | 879 |
| Retained earnings to average equity (ytd only) | 19.0732% | 433 |
| Net charge-offs to loans | -0.0154% | 4,007 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.0876% | 4,417 |
| Assets per employee ($millions) | 11.8741% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 3,717 |
| Loan loss allowance to noncurrent loans | 4,892.4242% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 3,675 |
| Noncurrent loans to loans | 0.0194% | 3,642 |
| Net loans and leases to total assets | 81.0300% | 453 |
| Net loans and leases to deposits | 92.2290% | 903 |
| Net loans and leases to core deposits | 93.6982% | 1,411 |
| Total domestic deposits to total assets | 87.8500% | 1,976 |
| Equity capital to assets | 10.8895% | 1,383 |
| Core capital (leverage) ratio | 11.7978% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7758% | 1,692 |
| Memoranda: | ||
| Average total assets | $410,975,500 | 2,000 |
| Average earning assets | $381,781,500 | 1,993 |
| Average equity | $43,873,000 | 1,770 |
| Average total loans | $337,732,000 | 1,659 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 2,281 |
| Cost of funding earning assets | 0.1729% | 3,977 |
| Net interest margin | 3.6259% | 1,573 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.7022% | 4,174 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.6418% | 619 |
| Return on assets (ROA) | 1.6418% | 589 |
| Pretax return on assets | 2.1120% | 372 |
| Return on Equity (ROE) | 17.1100% | 843 |
| Retained earnings to average equity (ytd only) | 17.1053% | 170 |
| Net charge-offs to loans | -0.0080% | 3,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.8542% | 4,434 |
| Assets per employee ($millions) | 11.6102% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 3,618 |
| Loan loss allowance to noncurrent loans | 4,343.8356% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,670 |
| Noncurrent loans to loans | 0.0218% | 3,648 |
| Net loans and leases to total assets | 81.7800% | 428 |
| Net loans and leases to deposits | 92.4445% | 892 |
| Net loans and leases to core deposits | 94.0288% | 1,296 |
| Total domestic deposits to total assets | 88.4700% | 1,900 |
| Equity capital to assets | 10.4563% | 1,468 |
| Core capital (leverage) ratio | 11.2112% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2737% | 1,864 |
| Memoranda: | ||
| Average total assets | $420,454,600 | 1,952 |
| Average earning assets | $392,702,800 | 1,938 |
| Average equity | $40,355,800 | 1,906 |
| Average total loans | $311,997,800 | 1,667 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 2,520 |
| Cost of funding earning assets | 0.1312% | 4,023 |
| Net interest margin | 3.3993% | 1,982 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.6686% | 4,207 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5274% | 789 |
| Return on assets (ROA) | 1.5274% | 770 |
| Pretax return on assets | 1.9645% | 503 |
| Return on Equity (ROE) | 16.2600% | 928 |
| Retained earnings to average equity (ytd only) | 16.2619% | 261 |
| Net charge-offs to loans | -0.0109% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.2499% | 4,416 |
| Assets per employee ($millions) | 11.9594% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 3,708 |
| Loan loss allowance to noncurrent loans | 3,779.0123% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,752 |
| Noncurrent loans to loans | 0.0250% | 3,724 |
| Net loans and leases to total assets | 76.6700% | 845 |
| Net loans and leases to deposits | 85.8456% | 1,179 |
| Net loans and leases to core deposits | 86.9974% | 1,465 |
| Total domestic deposits to total assets | 89.3100% | 1,954 |
| Equity capital to assets | 9.6312% | 1,805 |
| Core capital (leverage) ratio | 10.6272% | 2,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9405% | 2,078 |
| Memoranda: | ||
| Average total assets | $423,979,000 | 1,949 |
| Average earning assets | $396,302,000 | 1,941 |
| Average equity | $39,822,250 | 1,950 |
| Average total loans | $306,123,250 | 1,683 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 2,842 |
| Cost of funding earning assets | 0.1304% | 3,833 |
| Net interest margin | 3.1380% | 2,410 |
| Noninterest income to average assets | 0.5153% | 2,112 |
| Noninterest expense to average assets | 1.6440% | 4,230 |
| Loan and lease loss provision to assets | 0.0813% | 1,210 |
| Net operating income to assets | 1.3458% | 1,032 |
| Return on assets (ROA) | 1.3458% | 1,012 |
| Pretax return on assets | 1.7300% | 699 |
| Return on Equity (ROE) | 14.4484% | 1,012 |
| Retained earnings to average equity (ytd only) | 14.4484% | 320 |
| Net charge-offs to loans | -0.0167% | 3,799 |
| Credit loss provision to net charge-offs | -692.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5802% | 4,366 |
| Assets per employee ($millions) | 11.1344% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 3,676 |
| Loan loss allowance to noncurrent loans | 3,644.0476% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 3,807 |
| Noncurrent loans to loans | 0.0270% | 3,757 |
| Net loans and leases to total assets | 72.8839% | 1,019 |
| Net loans and leases to deposits | 81.2669% | 1,294 |
| Net loans and leases to core deposits | 82.3980% | 1,569 |
| Total domestic deposits to total assets | 89.6846% | 1,851 |
| Equity capital to assets | 9.3258% | 2,144 |
| Core capital (leverage) ratio | 9.7476% | 2,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6204% | 2,241 |
| Memoranda: | ||
| Average total assets | $425,779,333 | 1,954 |
| Average earning assets | $398,921,333 | 1,949 |
| Average equity | $39,658,333 | 2,013 |
| Average total loans | $300,176,333 | 1,701 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0883% | 3,010 |
| Cost of funding earning assets | 0.1368% | 3,677 |
| Net interest margin | 2.9515% | 2,661 |
| Noninterest income to average assets | 0.5057% | 2,116 |
| Noninterest expense to average assets | 1.6061% | 4,286 |
| Loan and lease loss provision to assets | 0.1414% | 567 |
| Net operating income to assets | 1.1866% | 1,276 |
| Return on assets (ROA) | 1.1866% | 1,275 |
| Pretax return on assets | 1.5256% | 971 |
| Return on Equity (ROE) | 12.7470% | 1,098 |
| Retained earnings to average equity (ytd only) | 12.7470% | 495 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0701% | 4,358 |
| Assets per employee ($millions) | 12.3173% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,736 |
| Loan loss allowance to noncurrent loans | 3,464.3678% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,854 |
| Noncurrent loans to loans | 0.0288% | 3,790 |
| Net loans and leases to total assets | 67.3501% | 1,277 |
| Net loans and leases to deposits | 74.7678% | 1,539 |
| Net loans and leases to core deposits | 78.1004% | 1,606 |
| Total domestic deposits to total assets | 90.0790% | 1,517 |
| Equity capital to assets | 8.9139% | 2,791 |
| Core capital (leverage) ratio | 9.4847% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3810% | 2,452 |
| Memoranda: | ||
| Average total assets | $427,115,500 | 1,956 |
| Average earning assets | $400,474,000 | 1,954 |
| Average equity | $39,758,500 | 2,064 |
| Average total loans | $294,545,500 | 1,719 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2919% | 3,237 |
| Cost of funding earning assets | 0.2508% | 2,921 |
| Net interest margin | 3.0410% | 3,072 |
| Noninterest income to average assets | 0.4931% | 2,603 |
| Noninterest expense to average assets | 1.6950% | 4,301 |
| Loan and lease loss provision to assets | -0.0097% | 4,168 |
| Net operating income to assets | 1.2708% | 1,686 |
| Return on assets (ROA) | 1.2708% | 1,744 |
| Pretax return on assets | 1.6279% | 1,345 |
| Return on Equity (ROE) | 12.7928% | 1,529 |
| Retained earnings to average equity (ytd only) | 12.0194% | 532 |
| Net charge-offs to loans | -0.0528% | 4,346 |
| Credit loss provision to net charge-offs | 26.8116% | 2,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1595% | 4,187 |
| Assets per employee ($millions) | 10.8108% | 535 |
| Cash dividends to net income (ytd only)* | 6.0455% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,772 |
| Loan loss allowance to noncurrent loans | 3,181.1111% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,910 |
| Noncurrent loans to loans | 0.0313% | 3,849 |
| Net loans and leases to total assets | 69.2704% | 1,128 |
| Net loans and leases to deposits | 77.5959% | 1,432 |
| Net loans and leases to core deposits | 83.1827% | 1,378 |
| Total domestic deposits to total assets | 89.2707% | 1,369 |
| Equity capital to assets | 9.7347% | 2,906 |
| Core capital (leverage) ratio | 9.6635% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9930% | 2,254 |
| Memoranda: | ||
| Average total assets | $380,062,800 | 2,061 |
| Average earning assets | $352,446,000 | 2,071 |
| Average equity | $37,755,600 | 2,166 |
| Average total loans | $261,587,200 | 1,873 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2950% | 3,402 |
| Cost of funding earning assets | 0.2847% | 2,750 |
| Net interest margin | 3.0104% | 3,275 |
| Noninterest income to average assets | 0.4844% | 2,695 |
| Noninterest expense to average assets | 1.6674% | 4,379 |
| Loan and lease loss provision to assets | -0.0494% | 4,456 |
| Net operating income to assets | 1.2879% | 1,859 |
| Return on assets (ROA) | 1.2879% | 1,914 |
| Pretax return on assets | 1.6495% | 1,550 |
| Return on Equity (ROE) | 12.8933% | 1,727 |
| Retained earnings to average equity (ytd only) | 11.8466% | 867 |
| Net charge-offs to loans | -0.0721% | 4,495 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0300% | 4,120 |
| Assets per employee ($millions) | 11.6532% | 414 |
| Cash dividends to net income (ytd only)* | 8.1179% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,856 |
| Loan loss allowance to noncurrent loans | 2,969.8925% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 2,871 |
| Noncurrent loans to loans | 0.0336% | 3,965 |
| Net loans and leases to total assets | 67.2406% | 1,406 |
| Net loans and leases to deposits | 75.1427% | 1,751 |
| Net loans and leases to core deposits | 80.9316% | 1,657 |
| Total domestic deposits to total assets | 89.4839% | 1,019 |
| Equity capital to assets | 9.5427% | 3,334 |
| Core capital (leverage) ratio | 9.6164% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1539% | 2,308 |
| Memoranda: | ||
| Average total assets | $372,376,250 | 2,121 |
| Average earning assets | $344,267,250 | 2,132 |
| Average equity | $37,196,750 | 2,217 |
| Average total loans | $255,126,000 | 1,929 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3088% | 3,401 |
| Cost of funding earning assets | 0.3191% | 2,594 |
| Net interest margin | 2.9897% | 3,351 |
| Noninterest income to average assets | 0.4965% | 2,635 |
| Noninterest expense to average assets | 1.6741% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2326% | 2,073 |
| Return on assets (ROA) | 1.2326% | 2,139 |
| Pretax return on assets | 1.5765% | 1,808 |
| Return on Equity (ROE) | 12.1348% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.5401% | 1,241 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5017% | 4,094 |
| Assets per employee ($millions) | 10.5378% | 517 |
| Cash dividends to net income (ytd only)* | 13.1413% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 3,657 |
| Loan loss allowance to noncurrent loans | 2,245.5285% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,936 |
| Noncurrent loans to loans | 0.0465% | 3,947 |
| Net loans and leases to total assets | 67.1258% | 1,564 |
| Net loans and leases to deposits | 75.0775% | 1,906 |
| Net loans and leases to core deposits | 82.0186% | 1,725 |
| Total domestic deposits to total assets | 89.4088% | 1,076 |
| Equity capital to assets | 9.6251% | 3,222 |
| Core capital (leverage) ratio | 10.0619% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4703% | 2,182 |
| Memoranda: | ||
| Average total assets | $360,547,667 | 2,157 |
| Average earning assets | $332,145,333 | 2,181 |
| Average equity | $36,622,000 | 2,247 |
| Average total loans | $247,831,000 | 1,978 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5108% | 2,887 |
| Cost of funding earning assets | 0.3590% | 2,452 |
| Net interest margin | 3.1518% | 2,834 |
| Noninterest income to average assets | 0.5713% | 2,323 |
| Noninterest expense to average assets | 1.7532% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3381% | 1,717 |
| Return on assets (ROA) | 1.3381% | 1,804 |
| Pretax return on assets | 1.7116% | 1,466 |
| Return on Equity (ROE) | 12.7955% | 1,730 |
| Retained earnings to average equity (ytd only) | 9.5551% | 1,784 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6008% | 4,140 |
| Assets per employee ($millions) | 10.4855% | 517 |
| Cash dividends to net income (ytd only)* | 25.3241% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1529% | 3,177 |
| Loan loss allowance to noncurrent loans | 1,663.8554% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 3,015 |
| Noncurrent loans to loans | 0.0693% | 3,944 |
| Net loans and leases to total assets | 64.5256% | 1,979 |
| Net loans and leases to deposits | 72.4518% | 2,268 |
| Net loans and leases to core deposits | 80.6294% | 1,946 |
| Total domestic deposits to total assets | 89.0599% | 1,311 |
| Equity capital to assets | 9.8667% | 2,828 |
| Core capital (leverage) ratio | 10.8854% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5857% | 1,712 |
| Memoranda: | ||
| Average total assets | $345,872,000 | 2,207 |
| Average earning assets | $317,536,000 | 2,237 |
| Average equity | $36,169,000 | 2,254 |
| Average total loans | $239,504,000 | 2,036 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 2,605 |
| Cost of funding earning assets | 0.5420% | 2,665 |
| Net interest margin | 3.4991% | 2,484 |
| Noninterest income to average assets | 0.4807% | 2,719 |
| Noninterest expense to average assets | 1.8772% | 4,356 |
| Loan and lease loss provision to assets | 0.2872% | 1,320 |
| Net operating income to assets | 1.1718% | 1,646 |
| Return on assets (ROA) | 1.1718% | 1,760 |
| Pretax return on assets | 1.4919% | 1,356 |
| Return on Equity (ROE) | 9.8263% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.8263% | 622 |
| Net charge-offs to loans | 0.0561% | 1,976 |
| Credit loss provision to net charge-offs | 650.0000% | 1,052 |
| Earnings coverage of net charge-offs (x) | 40.2698% | 1,388 |
| Efficiency ratio | 51.3425% | 4,435 |
| Assets per employee ($millions) | 9.2787% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 3,194 |
| Loan loss allowance to noncurrent loans | 1,302.8302% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 2,947 |
| Noncurrent loans to loans | 0.0885% | 3,931 |
| Net loans and leases to total assets | 72.8803% | 1,175 |
| Net loans and leases to deposits | 82.9717% | 1,547 |
| Net loans and leases to core deposits | 93.7978% | 1,257 |
| Total domestic deposits to total assets | 87.8375% | 1,557 |
| Equity capital to assets | 11.1248% | 2,155 |
| Core capital (leverage) ratio | 11.2408% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7059% | 1,626 |
| Memoranda: | ||
| Average total assets | $285,206,200 | 2,369 |
| Average earning assets | $258,836,400 | 2,412 |
| Average equity | $34,010,800 | 2,290 |
| Average total loans | $224,535,000 | 2,077 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 2,518 |
| Cost of funding earning assets | 0.5919% | 2,667 |
| Net interest margin | 3.5600% | 2,392 |
| Noninterest income to average assets | 0.4785% | 2,702 |
| Noninterest expense to average assets | 1.9008% | 4,323 |
| Loan and lease loss provision to assets | 0.3825% | 958 |
| Net operating income to assets | 1.1163% | 1,929 |
| Return on assets (ROA) | 1.1163% | 2,045 |
| Pretax return on assets | 1.4223% | 1,660 |
| Return on Equity (ROE) | 9.1790% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.1790% | 940 |
| Net charge-offs to loans | -0.0030% | 3,949 |
| Credit loss provision to net charge-offs | -15,800.0000% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2938% | 4,398 |
| Assets per employee ($millions) | 9.4542% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 2,633 |
| Loan loss allowance to noncurrent loans | 700.2445% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 2,762 |
| Noncurrent loans to loans | 0.1722% | 3,695 |
| Net loans and leases to total assets | 75.2196% | 1,202 |
| Net loans and leases to deposits | 85.7154% | 1,739 |
| Net loans and leases to core deposits | 96.0771% | 1,454 |
| Total domestic deposits to total assets | 87.7550% | 1,319 |
| Equity capital to assets | 11.1879% | 2,242 |
| Core capital (leverage) ratio | 11.6236% | 1,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8725% | 1,542 |
| Memoranda: | ||
| Average total assets | $275,319,500 | 2,399 |
| Average earning assets | $249,583,250 | 2,455 |
| Average equity | $33,481,500 | 2,305 |
| Average total loans | $220,808,000 | 2,103 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 2,313 |
| Cost of funding earning assets | 0.6773% | 2,514 |
| Net interest margin | 3.6833% | 2,230 |
| Noninterest income to average assets | 0.4607% | 2,760 |
| Noninterest expense to average assets | 1.9316% | 4,363 |
| Loan and lease loss provision to assets | 0.3725% | 1,124 |
| Net operating income to assets | 1.1524% | 1,789 |
| Return on assets (ROA) | 1.1524% | 1,923 |
| Pretax return on assets | 1.4679% | 1,533 |
| Return on Equity (ROE) | 9.1859% | 2,284 |
| Retained earnings to average equity (ytd only) | 9.1859% | 959 |
| Net charge-offs to loans | -0.0046% | 3,996 |
| Credit loss provision to net charge-offs | -9,800.0000% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2092% | 4,415 |
| Assets per employee ($millions) | 8.1553% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,893 |
| Loan loss allowance to noncurrent loans | 2,418.8679% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,237 |
| Noncurrent loans to loans | 0.0466% | 4,296 |
| Net loans and leases to total assets | 78.7945% | 746 |
| Net loans and leases to deposits | 90.8180% | 1,280 |
| Net loans and leases to core deposits | 102.8174% | 1,075 |
| Total domestic deposits to total assets | 86.7610% | 1,711 |
| Equity capital to assets | 11.9540% | 1,693 |
| Core capital (leverage) ratio | 12.2149% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9527% | 1,496 |
| Memoranda: | ||
| Average total assets | $263,096,667 | 2,459 |
| Average earning assets | $236,524,667 | 2,512 |
| Average equity | $33,007,000 | 2,319 |
| Average total loans | $215,230,667 | 2,124 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 2,031 |
| Cost of funding earning assets | 0.7417% | 2,714 |
| Net interest margin | 3.8471% | 1,830 |
| Noninterest income to average assets | 0.4954% | 2,568 |
| Noninterest expense to average assets | 2.2594% | 3,860 |
| Loan and lease loss provision to assets | 0.2572% | 1,208 |
| Net operating income to assets | 1.1098% | 1,815 |
| Return on assets (ROA) | 1.1098% | 1,908 |
| Pretax return on assets | 1.4131% | 1,519 |
| Return on Equity (ROE) | 8.6163% | 2,271 |
| Retained earnings to average equity (ytd only) | 8.6163% | 1,078 |
| Net charge-offs to loans | -0.0019% | 3,641 |
| Credit loss provision to net charge-offs | -16,200.0000% | 4,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4949% | 4,067 |
| Assets per employee ($millions) | 8.0679% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,410 |
| Loan loss allowance to noncurrent loans | 2,047.7064% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 3,250 |
| Noncurrent loans to loans | 0.0517% | 4,342 |
| Net loans and leases to total assets | 80.7804% | 597 |
| Net loans and leases to deposits | 94.1158% | 1,067 |
| Net loans and leases to core deposits | 113.8911% | 667 |
| Total domestic deposits to total assets | 85.8309% | 2,070 |
| Equity capital to assets | 12.7422% | 1,596 |
| Core capital (leverage) ratio | 13.3267% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9195% | 1,624 |
| Memoranda: | ||
| Average total assets | $251,927,000 | 2,480 |
| Average earning assets | $224,894,000 | 2,537 |
| Average equity | $32,450,000 | 2,333 |
| Average total loans | $209,110,000 | 2,124 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 1,944 |
| Cost of funding earning assets | 0.8245% | 2,568 |
| Net interest margin | 4.0084% | 1,829 |
| Noninterest income to average assets | 0.4518% | 2,997 |
| Noninterest expense to average assets | 2.3375% | 3,854 |
| Loan and lease loss provision to assets | 0.0869% | 2,280 |
| Net operating income to assets | 1.3133% | 1,639 |
| Return on assets (ROA) | 1.3133% | 1,718 |
| Pretax return on assets | 1.6382% | 1,375 |
| Return on Equity (ROE) | 10.0987% | 2,257 |
| Retained earnings to average equity (ytd only) | 10.0987% | 472 |
| Net charge-offs to loans | -0.0192% | 4,615 |
| Credit loss provision to net charge-offs | -545.9459% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5363% | 4,026 |
| Assets per employee ($millions) | 7.9252% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,535 |
| Loan loss allowance to noncurrent loans | 1,847.3214% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 3,153 |
| Noncurrent loans to loans | 0.0540% | 4,331 |
| Net loans and leases to total assets | 83.5904% | 359 |
| Net loans and leases to deposits | 98.9606% | 670 |
| Net loans and leases to core deposits | 118.0706% | 536 |
| Total domestic deposits to total assets | 84.4684% | 2,695 |
| Equity capital to assets | 13.0263% | 1,506 |
| Core capital (leverage) ratio | 13.1658% | 1,163 |
| Tier 1 risk-based capital ratio | 14.8315% | 2,855 |
| Total risk-based capital ratio | 15.7917% | 2,906 |
| Memoranda: | ||
| Average total assets | $232,387,800 | 2,559 |
| Average earning assets | $209,334,800 | 2,608 |
| Average equity | $30,221,800 | 2,378 |
| Average total loans | $193,185,400 | 2,214 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 2,095 |
| Cost of funding earning assets | 0.8327% | 2,553 |
| Net interest margin | 3.9740% | 2,041 |
| Noninterest income to average assets | 0.4354% | 3,100 |
| Noninterest expense to average assets | 2.3638% | 3,784 |
| Loan and lease loss provision to assets | 0.0704% | 2,468 |
| Net operating income to assets | 1.2596% | 1,988 |
| Return on assets (ROA) | 1.2596% | 2,069 |
| Pretax return on assets | 1.5681% | 1,746 |
| Return on Equity (ROE) | 9.6897% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.6897% | 833 |
| Net charge-offs to loans | -0.0253% | 4,645 |
| Credit loss provision to net charge-offs | -336.1111% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0605% | 3,795 |
| Assets per employee ($millions) | 7.2669% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 3,560 |
| Loan loss allowance to noncurrent loans | 1,727.8261% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 3,244 |
| Noncurrent loans to loans | 0.0580% | 4,374 |
| Net loans and leases to total assets | 81.9021% | 578 |
| Net loans and leases to deposits | 95.6422% | 1,058 |
| Net loans and leases to core deposits | 116.4535% | 640 |
| Total domestic deposits to total assets | 85.6339% | 2,150 |
| Equity capital to assets | 12.9462% | 1,658 |
| Core capital (leverage) ratio | 13.3759% | 1,184 |
| Tier 1 risk-based capital ratio | 14.9512% | 2,869 |
| Total risk-based capital ratio | 15.9096% | 2,930 |
| Memoranda: | ||
| Average total assets | $229,064,750 | 2,612 |
| Average earning assets | $205,599,000 | 2,667 |
| Average equity | $29,776,500 | 2,422 |
| Average total loans | $189,623,250 | 2,260 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 2,149 |
| Cost of funding earning assets | 0.8453% | 2,416 |
| Net interest margin | 3.9278% | 2,162 |
| Noninterest income to average assets | 0.3779% | 3,419 |
| Noninterest expense to average assets | 2.3815% | 3,786 |
| Loan and lease loss provision to assets | 0.1073% | 1,749 |
| Net operating income to assets | 1.1486% | 2,332 |
| Return on assets (ROA) | 1.1486% | 2,412 |
| Pretax return on assets | 1.4254% | 2,127 |
| Return on Equity (ROE) | 8.8235% | 2,928 |
| Retained earnings to average equity (ytd only) | 8.8235% | 1,087 |
| Net charge-offs to loans | -0.0032% | 4,040 |
| Credit loss provision to net charge-offs | -4,033.3333% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8430% | 3,605 |
| Assets per employee ($millions) | 8.1454% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,539 |
| Loan loss allowance to noncurrent loans | 160.8731% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 1,762 |
| Noncurrent loans to loans | 0.6300% | 2,367 |
| Net loans and leases to total assets | 80.7519% | 766 |
| Net loans and leases to deposits | 95.5116% | 1,096 |
| Net loans and leases to core deposits | 115.6265% | 698 |
| Total domestic deposits to total assets | 84.5468% | 2,666 |
| Equity capital to assets | 12.7599% | 1,713 |
| Core capital (leverage) ratio | 13.0543% | 1,272 |
| Tier 1 risk-based capital ratio | 14.7616% | 2,937 |
| Total risk-based capital ratio | 15.7187% | 3,000 |
| Memoranda: | ||
| Average total assets | $225,484,000 | 2,648 |
| Average earning assets | $203,016,330 | 2,707 |
| Average equity | $29,353,330 | 2,438 |
| Average total loans | $186,699,670 | 2,288 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 2,001 |
| Cost of funding earning assets | 0.8075% | 2,494 |
| Net interest margin | 3.9595% | 1,989 |
| Noninterest income to average assets | 0.3216% | 3,711 |
| Noninterest expense to average assets | 2.4660% | 3,595 |
| Loan and lease loss provision to assets | 0.0872% | 1,965 |
| Net operating income to assets | 1.0831% | 2,534 |
| Return on assets (ROA) | 1.0831% | 2,576 |
| Pretax return on assets | 1.3684% | 2,200 |
| Return on Equity (ROE) | 8.2322% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.2322% | 1,582 |
| Net charge-offs to loans | -0.0044% | 3,986 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8823% | 3,397 |
| Assets per employee ($millions) | 8.0769% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,711 |
| Loan loss allowance to noncurrent loans | 150.1998% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8481% | 1,673 |
| Noncurrent loans to loans | 0.6655% | 2,354 |
| Net loans and leases to total assets | 82.2855% | 561 |
| Net loans and leases to deposits | 98.4853% | 738 |
| Net loans and leases to core deposits | 111.6121% | 855 |
| Total domestic deposits to total assets | 83.5510% | 3,204 |
| Equity capital to assets | 12.9235% | 1,498 |
| Core capital (leverage) ratio | 13.3585% | 1,130 |
| Tier 1 risk-based capital ratio | 14.9622% | 2,903 |
| Total risk-based capital ratio | 15.9184% | 2,948 |
| Memoranda: | ||
| Average total assets | $220,118,000 | 2,723 |
| Average earning assets | $200,124,000 | 2,760 |
| Average equity | $28,959,500 | 2,466 |
| Average total loans | $183,698,500 | 2,328 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,429 |
| Cost of funding earning assets | 0.5823% | 2,838 |
| Net interest margin | 3.9298% | 2,227 |
| Noninterest income to average assets | 0.3623% | 3,674 |
| Noninterest expense to average assets | 2.3993% | 3,881 |
| Loan and lease loss provision to assets | 0.0842% | 2,447 |
| Net operating income to assets | 1.1573% | 2,351 |
| Return on assets (ROA) | 1.1573% | 2,354 |
| Pretax return on assets | 1.4773% | 1,851 |
| Return on Equity (ROE) | 9.0595% | 2,966 |
| Retained earnings to average equity (ytd only) | 9.0595% | 841 |
| Net charge-offs to loans | 0.0353% | 2,698 |
| Credit loss provision to net charge-offs | 286.8852% | 1,063 |
| Earnings coverage of net charge-offs (x) | 53.1967% | 1,095 |
| Efficiency ratio | 60.5759% | 3,767 |
| Assets per employee ($millions) | 7.9290% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 3,565 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 1,525 |
| Noncurrent loans to loans | 0.7139% | 2,203 |
| Net loans and leases to total assets | 82.9570% | 514 |
| Net loans and leases to deposits | 99.9381% | 752 |
| Net loans and leases to core deposits | 114.1443% | 780 |
| Total domestic deposits to total assets | 83.0084% | 3,325 |
| Equity capital to assets | 13.4023% | 1,180 |
| Core capital (leverage) ratio | 13.7789% | 990 |
| Tier 1 risk-based capital ratio | 15.4657% | 2,640 |
| Total risk-based capital ratio | 16.4427% | 2,674 |
| Memoranda: | ||
| Average total assets | $207,810,600 | 2,790 |
| Average earning assets | $190,290,200 | 2,827 |
| Average equity | $26,546,800 | 2,537 |
| Average total loans | $172,855,600 | 2,413 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 2,437 |
| Cost of funding earning assets | 0.5613% | 2,779 |
| Net interest margin | 3.8978% | 2,310 |
| Noninterest income to average assets | 0.3523% | 3,777 |
| Noninterest expense to average assets | 2.3357% | 4,007 |
| Loan and lease loss provision to assets | 0.0265% | 3,481 |
| Net operating income to assets | 1.2199% | 2,155 |
| Return on assets (ROA) | 1.2199% | 2,156 |
| Pretax return on assets | 1.5593% | 1,707 |
| Return on Equity (ROE) | 9.6728% | 2,765 |
| Retained earnings to average equity (ytd only) | 9.6728% | 1,005 |
| Net charge-offs to loans | 0.0491% | 2,126 |
| Credit loss provision to net charge-offs | 65.0794% | 2,684 |
| Earnings coverage of net charge-offs (x) | 38.9355% | 1,380 |
| Efficiency ratio | 59.5615% | 3,874 |
| Assets per employee ($millions) | 7.7211% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,884 |
| Loan loss allowance to noncurrent loans | 129.6636% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 1,543 |
| Noncurrent loans to loans | 0.7570% | 2,194 |
| Net loans and leases to total assets | 82.0674% | 704 |
| Net loans and leases to deposits | 98.4889% | 913 |
| Net loans and leases to core deposits | 112.6129% | 888 |
| Total domestic deposits to total assets | 83.3266% | 3,187 |
| Equity capital to assets | 13.1026% | 1,291 |
| Core capital (leverage) ratio | 13.4742% | 1,111 |
| Tier 1 risk-based capital ratio | 15.4109% | 2,686 |
| Total risk-based capital ratio | 16.3516% | 2,763 |
| Memoranda: | ||
| Average total assets | $206,242,750 | 2,827 |
| Average earning assets | $188,852,750 | 2,861 |
| Average equity | $26,010,500 | 2,582 |
| Average total loans | $171,213,000 | 2,440 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 2,513 |
| Cost of funding earning assets | 0.5452% | 2,650 |
| Net interest margin | 3.8236% | 2,488 |
| Noninterest income to average assets | 0.3426% | 3,885 |
| Noninterest expense to average assets | 2.3182% | 4,108 |
| Loan and lease loss provision to assets | 0.0088% | 3,671 |
| Net operating income to assets | 1.1932% | 2,231 |
| Return on assets (ROA) | 1.1932% | 2,230 |
| Pretax return on assets | 1.5241% | 1,730 |
| Return on Equity (ROE) | 9.5872% | 2,760 |
| Retained earnings to average equity (ytd only) | 9.5872% | 1,041 |
| Net charge-offs to loans | -0.0047% | 4,086 |
| Credit loss provision to net charge-offs | -225.0000% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1971% | 3,909 |
| Assets per employee ($millions) | 8.2449% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,629 |
| Loan loss allowance to noncurrent loans | 487.6056% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 2,775 |
| Noncurrent loans to loans | 0.2120% | 3,963 |
| Net loans and leases to total assets | 80.3962% | 958 |
| Net loans and leases to deposits | 93.1999% | 1,447 |
| Net loans and leases to core deposits | 105.3175% | 1,293 |
| Total domestic deposits to total assets | 86.2621% | 2,163 |
| Equity capital to assets | 12.7536% | 1,419 |
| Core capital (leverage) ratio | 12.9357% | 1,249 |
| Tier 1 risk-based capital ratio | 15.2968% | 2,731 |
| Total risk-based capital ratio | 16.2898% | 2,783 |
| Memoranda: | ||
| Average total assets | $205,500,330 | 2,851 |
| Average earning assets | $188,563,670 | 2,870 |
| Average equity | $25,575,670 | 2,623 |
| Average total loans | $170,690,000 | 2,455 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 2,683 |
| Cost of funding earning assets | 0.5228% | 2,609 |
| Net interest margin | 3.7332% | 2,674 |
| Noninterest income to average assets | 0.3217% | 4,004 |
| Noninterest expense to average assets | 2.3315% | 4,113 |
| Loan and lease loss provision to assets | 0.0175% | 3,309 |
| Net operating income to assets | 1.1268% | 2,301 |
| Return on assets (ROA) | 1.1268% | 2,320 |
| Pretax return on assets | 1.4387% | 1,868 |
| Return on Equity (ROE) | 9.1675% | 2,821 |
| Retained earnings to average equity (ytd only) | 9.1675% | 1,405 |
| Net charge-offs to loans | -0.0070% | 4,121 |
| Credit loss provision to net charge-offs | -300.0000% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5543% | 3,868 |
| Assets per employee ($millions) | 7.3589% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,959 |
| Loan loss allowance to noncurrent loans | 446.7700% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 2,814 |
| Noncurrent loans to loans | 0.2238% | 3,981 |
| Net loans and leases to total assets | 83.0763% | 529 |
| Net loans and leases to deposits | 95.9195% | 1,039 |
| Net loans and leases to core deposits | 117.1170% | 688 |
| Total domestic deposits to total assets | 86.6104% | 2,272 |
| Equity capital to assets | 12.3287% | 1,585 |
| Core capital (leverage) ratio | 12.6079% | 1,342 |
| Tier 1 risk-based capital ratio | 14.4636% | 3,138 |
| Total risk-based capital ratio | 15.4346% | 3,206 |
| Memoranda: | ||
| Average total assets | $205,189,000 | 2,885 |
| Average earning assets | $190,509,000 | 2,874 |
| Average equity | $25,219,500 | 2,674 |
| Average total loans | $172,312,000 | 2,443 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 2,446 |
| Cost of funding earning assets | 0.4933% | 2,394 |
| Net interest margin | 3.7721% | 2,531 |
| Noninterest income to average assets | 0.2706% | 4,504 |
| Noninterest expense to average assets | 2.3162% | 4,282 |
| Loan and lease loss provision to assets | 0.0802% | 2,599 |
| Net operating income to assets | 0.7005% | 3,605 |
| Return on assets (ROA) | 0.7005% | 3,659 |
| Pretax return on assets | 1.4158% | 1,939 |
| Return on Equity (ROE) | 5.4220% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.4220% | 1,857 |
| Net charge-offs to loans | -0.0062% | 4,681 |
| Credit loss provision to net charge-offs | -1,520.0000% | 5,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7583% | 4,146 |
| Assets per employee ($millions) | 7.8588% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,954 |
| Loan loss allowance to noncurrent loans | 430.3258% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 2,821 |
| Noncurrent loans to loans | 0.2324% | 3,971 |
| Net loans and leases to total assets | 83.1992% | 528 |
| Net loans and leases to deposits | 97.5711% | 937 |
| Net loans and leases to core deposits | 119.7452% | 594 |
| Total domestic deposits to total assets | 85.2704% | 2,733 |
| Equity capital to assets | 12.2527% | 1,668 |
| Core capital (leverage) ratio | 12.5390% | 1,334 |
| Tier 1 risk-based capital ratio | 14.1985% | 3,256 |
| Total risk-based capital ratio | 15.1674% | 3,318 |
| Memoranda: | ||
| Average total assets | $189,578,600 | 3,023 |
| Average earning assets | $177,991,400 | 2,982 |
| Average equity | $24,493,000 | 2,711 |
| Average total loans | $161,943,000 | 2,523 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 2,435 |
| Cost of funding earning assets | 0.4841% | 2,399 |
| Net interest margin | 3.7657% | 2,519 |
| Noninterest income to average assets | 0.3292% | 4,182 |
| Noninterest expense to average assets | 2.3174% | 4,254 |
| Loan and lease loss provision to assets | 0.1384% | 1,546 |
| Net operating income to assets | 0.9339% | 2,860 |
| Return on assets (ROA) | 0.9339% | 2,919 |
| Pretax return on assets | 1.4166% | 2,075 |
| Return on Equity (ROE) | 7.1271% | 3,581 |
| Retained earnings to average equity (ytd only) | 7.1271% | 1,625 |
| Net charge-offs to loans | -0.0075% | 4,557 |
| Credit loss provision to net charge-offs | -2,144.4444% | 5,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8444% | 4,251 |
| Assets per employee ($millions) | 7.9179% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,895 |
| Loan loss allowance to noncurrent loans | 426.4563% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 2,728 |
| Noncurrent loans to loans | 0.2420% | 4,087 |
| Net loans and leases to total assets | 85.1258% | 326 |
| Net loans and leases to deposits | 101.5084% | 646 |
| Net loans and leases to core deposits | 125.3424% | 423 |
| Total domestic deposits to total assets | 83.8608% | 3,173 |
| Equity capital to assets | 12.6771% | 1,562 |
| Core capital (leverage) ratio | 12.7721% | 1,309 |
| Tier 1 risk-based capital ratio | 14.2131% | 3,343 |
| Total risk-based capital ratio | 15.2071% | 3,389 |
| Memoranda: | ||
| Average total assets | $185,890,750 | 3,086 |
| Average earning assets | $174,909,500 | 3,040 |
| Average equity | $24,357,250 | 2,747 |
| Average total loans | $159,499,250 | 2,571 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,578 |
| Cost of funding earning assets | 0.4675% | 2,435 |
| Net interest margin | 3.7034% | 2,648 |
| Noninterest income to average assets | 0.3420% | 4,105 |
| Noninterest expense to average assets | 2.3621% | 4,172 |
| Loan and lease loss provision to assets | 0.1672% | 1,185 |
| Net operating income to assets | 0.8555% | 3,132 |
| Return on assets (ROA) | 0.8555% | 3,183 |
| Pretax return on assets | 1.2976% | 2,394 |
| Return on Equity (ROE) | 6.4533% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.4533% | 1,872 |
| Net charge-offs to loans | -0.0103% | 4,542 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7241% | 4,044 |
| Assets per employee ($millions) | 7.6894% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 3,936 |
| Loan loss allowance to noncurrent loans | 403.5294% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6201% | 2,709 |
| Noncurrent loans to loans | 0.2564% | 4,122 |
| Net loans and leases to total assets | 85.3378% | 318 |
| Net loans and leases to deposits | 103.3483% | 531 |
| Net loans and leases to core deposits | 127.2702% | 361 |
| Total domestic deposits to total assets | 82.5730% | 3,692 |
| Equity capital to assets | 12.7916% | 1,474 |
| Core capital (leverage) ratio | 13.0883% | 1,138 |
| Tier 1 risk-based capital ratio | 14.3456% | 3,243 |
| Total risk-based capital ratio | 15.3463% | 3,290 |
| Memoranda: | ||
| Average total assets | $181,872,000 | 3,134 |
| Average earning assets | $171,138,670 | 3,096 |
| Average equity | $24,111,670 | 2,769 |
| Average total loans | $155,912,000 | 2,619 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1038% | 2,640 |
| Cost of funding earning assets | 0.4302% | 2,719 |
| Net interest margin | 3.6736% | 2,585 |
| Noninterest income to average assets | 0.3147% | 4,299 |
| Noninterest expense to average assets | 2.4178% | 4,067 |
| Loan and lease loss provision to assets | 0.1200% | 1,593 |
| Net operating income to assets | 0.8014% | 3,218 |
| Return on assets (ROA) | 0.8014% | 3,272 |
| Pretax return on assets | 1.2180% | 2,518 |
| Return on Equity (ROE) | 5.9315% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.9315% | 2,385 |
| Net charge-offs to loans | 0.0026% | 2,876 |
| Credit loss provision to net charge-offs | 5,300.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 591.0000% | 94 |
| Efficiency ratio | 64.3761% | 3,774 |
| Assets per employee ($millions) | 7.1614% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 4,036 |
| Loan loss allowance to noncurrent loans | 256.4593% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 2,355 |
| Noncurrent loans to loans | 0.4052% | 3,640 |
| Net loans and leases to total assets | 85.5207% | 254 |
| Net loans and leases to deposits | 102.5876% | 469 |
| Net loans and leases to core deposits | 125.1426% | 341 |
| Total domestic deposits to total assets | 83.3636% | 3,713 |
| Equity capital to assets | 13.4421% | 1,090 |
| Core capital (leverage) ratio | 13.6698% | 923 |
| Tier 1 risk-based capital ratio | 14.9804% | 2,972 |
| Total risk-based capital ratio | 15.9780% | 3,027 |
| Memoranda: | ||
| Average total assets | $176,690,000 | 3,224 |
| Average earning assets | $165,504,500 | 3,200 |
| Average equity | $23,872,500 | 2,803 |
| Average total loans | $150,985,500 | 2,688 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 2,481 |
| Cost of funding earning assets | 0.4039% | 2,963 |
| Net interest margin | 3.7978% | 2,323 |
| Noninterest income to average assets | 0.2639% | 4,846 |
| Noninterest expense to average assets | 2.5292% | 3,921 |
| Loan and lease loss provision to assets | 0.0104% | 4,168 |
| Net operating income to assets | 0.7484% | 3,540 |
| Return on assets (ROA) | 0.7484% | 3,663 |
| Pretax return on assets | 1.1860% | 2,731 |
| Return on Equity (ROE) | 5.3004% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.3004% | 2,129 |
| Net charge-offs to loans | -0.0304% | 5,248 |
| Credit loss provision to net charge-offs | -41.4634% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8881% | 3,258 |
| Assets per employee ($millions) | 6.9738% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,972 |
| Loan loss allowance to noncurrent loans | 345.5556% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 2,626 |
| Noncurrent loans to loans | 0.3056% | 4,044 |
| Net loans and leases to total assets | 83.5676% | 425 |
| Net loans and leases to deposits | 101.6720% | 557 |
| Net loans and leases to core deposits | 122.2559% | 423 |
| Total domestic deposits to total assets | 82.1934% | 4,016 |
| Equity capital to assets | 13.5817% | 1,014 |
| Core capital (leverage) ratio | 13.8488% | 856 |
| Tier 1 risk-based capital ratio | 15.4513% | 2,765 |
| Total risk-based capital ratio | 16.4618% | 2,813 |
| Memoranda: | ||
| Average total assets | $164,081,600 | 3,355 |
| Average earning assets | $149,559,400 | 3,376 |
| Average equity | $23,168,000 | 2,878 |
| Average total loans | $134,827,000 | 2,849 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 2,463 |
| Cost of funding earning assets | 0.4033% | 2,985 |
| Net interest margin | 3.8113% | 2,291 |
| Noninterest income to average assets | 0.2212% | 5,141 |
| Noninterest expense to average assets | 2.5945% | 3,682 |
| Loan and lease loss provision to assets | 0.0140% | 3,974 |
| Net operating income to assets | 0.6967% | 3,870 |
| Return on assets (ROA) | 0.6967% | 4,000 |
| Pretax return on assets | 1.0682% | 3,360 |
| Return on Equity (ROE) | 4.8841% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.8841% | 2,904 |
| Net charge-offs to loans | -0.0395% | 5,283 |
| Credit loss provision to net charge-offs | -43.5897% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5658% | 2,815 |
| Assets per employee ($millions) | 7.0482% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,801 |
| Loan loss allowance to noncurrent loans | 334.1935% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 2,736 |
| Noncurrent loans to loans | 0.3309% | 4,072 |
| Net loans and leases to total assets | 82.1657% | 591 |
| Net loans and leases to deposits | 98.3826% | 822 |
| Net loans and leases to core deposits | 116.8839% | 616 |
| Total domestic deposits to total assets | 83.5165% | 3,394 |
| Equity capital to assets | 13.8895% | 1,083 |
| Core capital (leverage) ratio | 14.1730% | 802 |
| Tier 1 risk-based capital ratio | 15.8720% | 2,680 |
| Total risk-based capital ratio | 16.9279% | 2,691 |
| Memoranda: | ||
| Average total assets | $161,515,750 | 3,399 |
| Average earning assets | $146,438,500 | 3,424 |
| Average equity | $23,040,250 | 2,904 |
| Average total loans | $131,721,000 | 2,904 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2177% | 2,457 |
| Cost of funding earning assets | 0.4037% | 2,996 |
| Net interest margin | 3.8139% | 2,257 |
| Noninterest income to average assets | 0.3057% | 4,600 |
| Noninterest expense to average assets | 2.6345% | 3,596 |
| Loan and lease loss provision to assets | 0.0214% | 3,705 |
| Net operating income to assets | 0.7083% | 3,746 |
| Return on assets (ROA) | 0.7083% | 3,900 |
| Pretax return on assets | 1.0845% | 3,260 |
| Return on Equity (ROE) | 4.9195% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.9195% | 2,782 |
| Net charge-offs to loans | -0.0031% | 4,437 |
| Credit loss provision to net charge-offs | -850.0000% | 5,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4339% | 2,914 |
| Assets per employee ($millions) | 6.0030% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 3,645 |
| Loan loss allowance to noncurrent loans | 322.5532% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8249% | 2,531 |
| Noncurrent loans to loans | 0.3566% | 4,090 |
| Net loans and leases to total assets | 80.3815% | 844 |
| Net loans and leases to deposits | 95.9092% | 1,088 |
| Net loans and leases to core deposits | 117.0955% | 608 |
| Total domestic deposits to total assets | 83.8100% | 3,348 |
| Equity capital to assets | 14.3464% | 921 |
| Core capital (leverage) ratio | 14.6341% | 685 |
| Tier 1 risk-based capital ratio | 16.5173% | 2,418 |
| Total risk-based capital ratio | 17.6031% | 2,428 |
| Memoranda: | ||
| Average total assets | $158,968,670 | 3,444 |
| Average earning assets | $143,159,000 | 3,492 |
| Average equity | $22,888,670 | 2,931 |
| Average total loans | $128,780,330 | 2,954 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 2,402 |
| Cost of funding earning assets | 0.4082% | 2,984 |
| Net interest margin | 3.8114% | 2,254 |
| Noninterest income to average assets | 0.3227% | 4,420 |
| Noninterest expense to average assets | 2.6834% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7090% | 3,669 |
| Return on assets (ROA) | 0.7090% | 3,786 |
| Pretax return on assets | 1.0800% | 3,172 |
| Return on Equity (ROE) | 4.9149% | 4,519 |
| Retained earnings to average equity (ytd only) | 4.9149% | 2,990 |
| Net charge-offs to loans | -0.0031% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3032% | 2,903 |
| Assets per employee ($millions) | 6.3836% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 3,713 |
| Loan loss allowance to noncurrent loans | 414.9584% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 2,775 |
| Noncurrent loans to loans | 0.2797% | 4,430 |
| Net loans and leases to total assets | 79.9234% | 825 |
| Net loans and leases to deposits | 95.1283% | 1,031 |
| Net loans and leases to core deposits | 116.9831% | 566 |
| Total domestic deposits to total assets | 84.0164% | 3,510 |
| Equity capital to assets | 14.3443% | 870 |
| Core capital (leverage) ratio | 14.4305% | 709 |
| Tier 1 risk-based capital ratio | 16.6683% | 2,408 |
| Total risk-based capital ratio | 17.7633% | 2,426 |
| Memoranda: | ||
| Average total assets | $157,412,000 | 3,472 |
| Average earning assets | $142,098,500 | 3,524 |
| Average equity | $22,706,500 | 2,954 |
| Average total loans | $127,270,500 | 2,980 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,155 |
| Cost of funding earning assets | 0.3969% | 3,194 |
| Net interest margin | 3.9222% | 1,958 |
| Noninterest income to average assets | 0.2992% | 4,742 |
| Noninterest expense to average assets | 2.8702% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6377% | 4,102 |
| Return on assets (ROA) | 0.6377% | 4,182 |
| Pretax return on assets | 1.0059% | 3,452 |
| Return on Equity (ROE) | 4.1857% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.1857% | 3,008 |
| Net charge-offs to loans | 0.0008% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,459.0000% | 29 |
| Efficiency ratio | 74.0484% | 2,570 |
| Assets per employee ($millions) | 5.5441% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 3,530 |
| Loan loss allowance to noncurrent loans | 404.5946% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 2,680 |
| Noncurrent loans to loans | 0.2948% | 4,401 |
| Net loans and leases to total assets | 79.8770% | 861 |
| Net loans and leases to deposits | 94.5539% | 1,147 |
| Net loans and leases to core deposits | 119.0687% | 500 |
| Total domestic deposits to total assets | 84.4777% | 3,296 |
| Equity capital to assets | 14.5077% | 771 |
| Core capital (leverage) ratio | 14.6075% | 687 |
| Tier 1 risk-based capital ratio | 16.8473% | 2,337 |
| Total risk-based capital ratio | 17.9684% | 2,338 |
| Memoranda: | ||
| Average total assets | $145,043,000 | 3,647 |
| Average earning assets | $132,272,200 | 3,656 |
| Average equity | $22,099,000 | 2,963 |
| Average total loans | $118,944,400 | 3,068 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 2,059 |
| Cost of funding earning assets | 0.3898% | 3,327 |
| Net interest margin | 3.9658% | 1,823 |
| Noninterest income to average assets | 0.2957% | 4,825 |
| Noninterest expense to average assets | 2.9352% | 2,726 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6213% | 4,278 |
| Return on assets (ROA) | 0.6213% | 4,388 |
| Pretax return on assets | 0.9778% | 3,705 |
| Return on Equity (ROE) | 4.0253% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.0253% | 3,601 |
| Net charge-offs to loans | 0.0057% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 208.8906% | 351 |
| Efficiency ratio | 75.0120% | 2,401 |
| Assets per employee ($millions) | 5.6340% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 3,500 |
| Loan loss allowance to noncurrent loans | 660.1770% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 3,110 |
| Noncurrent loans to loans | 0.1860% | 4,906 |
| Net loans and leases to total assets | 78.8907% | 974 |
| Net loans and leases to deposits | 94.3184% | 1,170 |
| Net loans and leases to core deposits | 119.6839% | 481 |
| Total domestic deposits to total assets | 83.6430% | 3,550 |
| Equity capital to assets | 14.7215% | 800 |
| Core capital (leverage) ratio | 15.1098% | 616 |
| Tier 1 risk-based capital ratio | 17.2654% | 2,273 |
| Total risk-based capital ratio | 18.4186% | 2,254 |
| Memoranda: | ||
| Average total assets | $142,495,000 | 3,712 |
| Average earning assets | $129,975,750 | 3,730 |
| Average equity | $21,993,500 | 2,992 |
| Average total loans | $117,307,000 | 3,114 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 2,266 |
| Cost of funding earning assets | 0.3823% | 3,454 |
| Net interest margin | 3.8911% | 2,013 |
| Noninterest income to average assets | 0.2900% | 4,889 |
| Noninterest expense to average assets | 3.0900% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5069% | 4,738 |
| Return on assets (ROA) | 0.5069% | 4,851 |
| Pretax return on assets | 0.7955% | 4,334 |
| Return on Equity (ROE) | 3.2296% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.2296% | 3,995 |
| Net charge-offs to loans | 0.0155% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 61.5556% | 831 |
| Efficiency ratio | 79.5270% | 1,831 |
| Assets per employee ($millions) | 5.3480% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 3,671 |
| Loan loss allowance to noncurrent loans | 462.1118% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 2,401 |
| Noncurrent loans to loans | 0.2642% | 4,724 |
| Net loans and leases to total assets | 83.3768% | 427 |
| Net loans and leases to deposits | 106.5105% | 356 |
| Net loans and leases to core deposits | 133.0225% | 227 |
| Total domestic deposits to total assets | 78.2804% | 5,215 |
| Equity capital to assets | 15.2291% | 662 |
| Core capital (leverage) ratio | 15.6790% | 515 |
| Tier 1 risk-based capital ratio | 16.9359% | 2,430 |
| Total risk-based capital ratio | 18.0808% | 2,428 |
| Memoranda: | ||
| Average total assets | $139,287,330 | 3,792 |
| Average earning assets | $128,704,330 | 3,781 |
| Average equity | $21,860,000 | 3,011 |
| Average total loans | $115,909,670 | 3,156 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 2,135 |
| Cost of funding earning assets | 0.3812% | 3,513 |
| Net interest margin | 3.9074% | 1,868 |
| Noninterest income to average assets | 0.3452% | 4,439 |
| Noninterest expense to average assets | 3.1302% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5207% | 4,582 |
| Return on assets (ROA) | 0.5207% | 4,699 |
| Pretax return on assets | 0.8133% | 4,188 |
| Return on Equity (ROE) | 3.2668% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.2668% | 4,022 |
| Net charge-offs to loans | 0.0460% | 2,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.3846% | 1,380 |
| Efficiency ratio | 79.3769% | 1,975 |
| Assets per employee ($millions) | 5.3088% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 3,397 |
| Loan loss allowance to noncurrent loans | 380.5128% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 2,090 |
| Noncurrent loans to loans | 0.3418% | 4,561 |
| Net loans and leases to total assets | 81.5779% | 507 |
| Net loans and leases to deposits | 102.0898% | 450 |
| Net loans and leases to core deposits | 129.0020% | 251 |
| Total domestic deposits to total assets | 79.9080% | 5,069 |
| Equity capital to assets | 15.8813% | 559 |
| Core capital (leverage) ratio | 16.1411% | 447 |
| Tier 1 risk-based capital ratio | 17.7593% | 2,214 |
| Total risk-based capital ratio | 18.9672% | 2,200 |
| Memoranda: | ||
| Average total assets | $136,733,500 | 3,867 |
| Average earning assets | $125,913,500 | 3,870 |
| Average equity | $21,795,000 | 3,040 |
| Average total loans | $112,924,500 | 3,217 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 1,671 |
| Cost of funding earning assets | 0.4396% | 3,278 |
| Net interest margin | 4.1185% | 1,516 |
| Noninterest income to average assets | 0.3606% | 4,516 |
| Noninterest expense to average assets | 2.6780% | 3,950 |
| Loan and lease loss provision to assets | 0.0801% | 2,881 |
| Net operating income to assets | 0.8421% | 3,162 |
| Return on assets (ROA) | 0.8563% | 3,184 |
| Pretax return on assets | 1.3513% | 2,071 |
| Return on Equity (ROE) | 5.5079% | 4,401 |
| Retained earnings to average equity (ytd only) | 5.5079% | 2,252 |
| Net charge-offs to loans | 0.0331% | 4,169 |
| Credit loss provision to net charge-offs | 300.0000% | 864 |
| Earnings coverage of net charge-offs (x) | 52.7500% | 889 |
| Efficiency ratio | 65.5229% | 4,324 |
| Assets per employee ($millions) | 5.8886% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,237 |
| Loan loss allowance to noncurrent loans | 262.6316% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.3253% | 2,119 |
| Noncurrent loans to loans | 0.5100% | 4,136 |
| Net loans and leases to total assets | 81.4150% | 584 |
| Net loans and leases to deposits | 102.9975% | 476 |
| Net loans and leases to core deposits | 129.2973% | 257 |
| Total domestic deposits to total assets | 79.0456% | 5,242 |
| Equity capital to assets | 15.9993% | 534 |
| Core capital (leverage) ratio | 15.2806% | 566 |
| Tier 1 risk-based capital ratio | 17.4875% | 2,320 |
| Total risk-based capital ratio | 18.7373% | 2,288 |
| Memoranda: | ||
| Average total assets | $134,763,400 | 3,888 |
| Average earning assets | $121,938,200 | 3,920 |
| Average equity | $20,951,800 | 3,059 |
| Average total loans | $108,729,400 | 3,249 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,573 |
| Cost of funding earning assets | 0.4513% | 3,233 |
| Net interest margin | 4.1452% | 1,448 |
| Noninterest income to average assets | 0.4329% | 4,002 |
| Noninterest expense to average assets | 2.6855% | 3,875 |
| Loan and lease loss provision to assets | 0.1070% | 2,252 |
| Net operating income to assets | 0.8705% | 3,070 |
| Return on assets (ROA) | 0.8896% | 3,060 |
| Pretax return on assets | 1.4096% | 1,974 |
| Return on Equity (ROE) | 5.7639% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.7639% | 2,561 |
| Net charge-offs to loans | 0.0938% | 2,870 |
| Credit loss provision to net charge-offs | 142.1053% | 1,660 |
| Earnings coverage of net charge-offs (x) | 19.7501% | 1,767 |
| Efficiency ratio | 64.3637% | 4,485 |
| Assets per employee ($millions) | 6.5206% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 3,628 |
| Loan loss allowance to noncurrent loans | 201.2431% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 1,529 |
| Noncurrent loans to loans | 0.6474% | 3,992 |
| Net loans and leases to total assets | 80.6044% | 650 |
| Net loans and leases to deposits | 96.7845% | 820 |
| Net loans and leases to core deposits | 122.2547% | 344 |
| Total domestic deposits to total assets | 83.2823% | 4,038 |
| Equity capital to assets | 15.5346% | 628 |
| Core capital (leverage) ratio | 14.5985% | 700 |
| Tier 1 risk-based capital ratio | 17.0097% | 2,616 |
| Total risk-based capital ratio | 18.2440% | 2,578 |
| Memoranda: | ||
| Average total assets | $134,595,000 | 3,924 |
| Average earning assets | $121,424,000 | 3,960 |
| Average equity | $20,772,500 | 3,085 |
| Average total loans | $107,971,000 | 3,287 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 1,721 |
| Cost of funding earning assets | 0.4566% | 3,248 |
| Net interest margin | 4.0780% | 1,581 |
| Noninterest income to average assets | 0.4559% | 3,826 |
| Noninterest expense to average assets | 2.6828% | 3,930 |
| Loan and lease loss provision to assets | 0.1614% | 1,537 |
| Net operating income to assets | 0.8084% | 3,281 |
| Return on assets (ROA) | 0.8160% | 3,351 |
| Pretax return on assets | 1.2943% | 2,270 |
| Return on Equity (ROE) | 5.2994% | 4,529 |
| Retained earnings to average equity (ytd only) | 5.2994% | 2,763 |
| Net charge-offs to loans | 0.1444% | 2,228 |
| Credit loss provision to net charge-offs | 140.2597% | 1,523 |
| Earnings coverage of net charge-offs (x) | 12.5455% | 2,048 |
| Efficiency ratio | 65.0127% | 4,532 |
| Assets per employee ($millions) | 6.0887% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 3,991 |
| Loan loss allowance to noncurrent loans | 125.7340% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 2.2058% | 1,380 |
| Noncurrent loans to loans | 1.0149% | 3,204 |
| Net loans and leases to total assets | 80.4362% | 636 |
| Net loans and leases to deposits | 98.7655% | 618 |
| Net loans and leases to core deposits | 124.7461% | 289 |
| Total domestic deposits to total assets | 81.4416% | 4,829 |
| Equity capital to assets | 14.9601% | 708 |
| Core capital (leverage) ratio | 14.5143% | 698 |
| Tier 1 risk-based capital ratio | 16.3640% | 2,894 |
| Total risk-based capital ratio | 17.5714% | 2,871 |
| Memoranda: | ||
| Average total assets | $133,815,670 | 3,962 |
| Average earning assets | $120,450,000 | 3,997 |
| Average equity | $20,606,000 | 3,106 |
| Average total loans | $106,684,330 | 3,319 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 1,772 |
| Cost of funding earning assets | 0.4722% | 3,207 |
| Net interest margin | 4.0413% | 1,626 |
| Noninterest income to average assets | 0.6304% | 2,566 |
| Noninterest expense to average assets | 2.8828% | 3,275 |
| Loan and lease loss provision to assets | 0.1775% | 1,360 |
| Net operating income to assets | 0.7467% | 3,441 |
| Return on assets (ROA) | 0.7467% | 3,524 |
| Pretax return on assets | 1.1844% | 2,550 |
| Return on Equity (ROE) | 4.7764% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.7764% | 3,248 |
| Net charge-offs to loans | -0.0233% | 5,426 |
| Credit loss provision to net charge-offs | -966.6667% | 5,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9164% | 4,197 |
| Assets per employee ($millions) | 7.0603% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 3,615 |
| Loan loss allowance to noncurrent loans | 126.2935% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 2.4078% | 1,343 |
| Noncurrent loans to loans | 1.1062% | 3,213 |
| Net loans and leases to total assets | 78.3423% | 727 |
| Net loans and leases to deposits | 97.6855% | 563 |
| Net loans and leases to core deposits | 124.2322% | 252 |
| Total domestic deposits to total assets | 80.1984% | 5,452 |
| Equity capital to assets | 15.3721% | 623 |
| Core capital (leverage) ratio | 15.0027% | 604 |
| Tier 1 risk-based capital ratio | 15.9822% | 3,178 |
| Total risk-based capital ratio | 17.2153% | 3,136 |
| Memoranda: | ||
| Average total assets | $130,704,000 | 4,054 |
| Average earning assets | $116,894,500 | 4,118 |
| Average equity | $20,434,000 | 3,122 |
| Average total loans | $102,977,500 | 3,410 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 1,656 |
| Cost of funding earning assets | 0.5498% | 3,114 |
| Net interest margin | 4.1202% | 1,589 |
| Noninterest income to average assets | 0.2995% | 5,204 |
| Noninterest expense to average assets | 2.6228% | 4,382 |
| Loan and lease loss provision to assets | 0.1713% | 2,144 |
| Net operating income to assets | 0.7210% | 3,695 |
| Return on assets (ROA) | 0.7235% | 3,776 |
| Pretax return on assets | 1.2450% | 2,391 |
| Return on Equity (ROE) | 4.7088% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.7088% | 2,809 |
| Net charge-offs to loans | 0.2127% | 2,759 |
| Credit loss provision to net charge-offs | 105.1887% | 2,294 |
| Earnings coverage of net charge-offs (x) | 8.6745% | 2,627 |
| Efficiency ratio | 64.9981% | 4,734 |
| Assets per employee ($millions) | 6.6980% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 3,492 |
| Loan loss allowance to noncurrent loans | 153.7217% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 2.5436% | 1,338 |
| Noncurrent loans to loans | 0.9328% | 3,660 |
| Net loans and leases to total assets | 76.9656% | 958 |
| Net loans and leases to deposits | 94.9771% | 802 |
| Net loans and leases to core deposits | 120.6910% | 319 |
| Total domestic deposits to total assets | 81.0360% | 5,166 |
| Equity capital to assets | 15.9097% | 540 |
| Core capital (leverage) ratio | 14.9730% | 607 |
| Tier 1 risk-based capital ratio | 16.6239% | 2,786 |
| Total risk-based capital ratio | 17.8728% | 2,750 |
| Memoranda: | ||
| Average total assets | $130,204,000 | 4,068 |
| Average earning assets | $118,052,800 | 4,085 |
| Average equity | $20,005,000 | 3,152 |
| Average total loans | $99,684,000 | 3,454 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,678 |
| Cost of funding earning assets | 0.5584% | 3,176 |
| Net interest margin | 4.1117% | 1,596 |
| Noninterest income to average assets | 0.2831% | 5,420 |
| Noninterest expense to average assets | 2.5782% | 4,467 |
| Loan and lease loss provision to assets | 0.2271% | 1,596 |
| Net operating income to assets | 0.7207% | 3,751 |
| Return on assets (ROA) | 0.7240% | 3,858 |
| Pretax return on assets | 1.2239% | 2,606 |
| Return on Equity (ROE) | 4.7531% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.7531% | 3,266 |
| Net charge-offs to loans | 0.1310% | 3,224 |
| Credit loss provision to net charge-offs | 227.5510% | 1,068 |
| Earnings coverage of net charge-offs (x) | 14.4902% | 1,942 |
| Efficiency ratio | 64.0688% | 4,787 |
| Assets per employee ($millions) | 7.1496% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5576% | 3,195 |
| Loan loss allowance to noncurrent loans | 376.2836% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 2.2884% | 1,723 |
| Noncurrent loans to loans | 0.4140% | 5,155 |
| Net loans and leases to total assets | 75.5783% | 1,056 |
| Net loans and leases to deposits | 93.6311% | 848 |
| Net loans and leases to core deposits | 119.8511% | 327 |
| Total domestic deposits to total assets | 80.7192% | 5,296 |
| Equity capital to assets | 15.6559% | 604 |
| Core capital (leverage) ratio | 14.3854% | 767 |
| Tier 1 risk-based capital ratio | 17.3171% | 2,575 |
| Total risk-based capital ratio | 18.5692% | 2,545 |
| Memoranda: | ||
| Average total assets | $130,939,500 | 4,089 |
| Average earning assets | $119,137,750 | 4,110 |
| Average equity | $19,944,500 | 3,192 |
| Average total loans | $99,761,750 | 3,483 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 1,733 |
| Cost of funding earning assets | 0.5591% | 3,326 |
| Net interest margin | 4.0779% | 1,605 |
| Noninterest income to average assets | 0.2719% | 5,509 |
| Noninterest expense to average assets | 2.6320% | 4,274 |
| Loan and lease loss provision to assets | 0.1063% | 3,020 |
| Net operating income to assets | 0.7594% | 3,516 |
| Return on assets (ROA) | 0.7594% | 3,667 |
| Pretax return on assets | 1.2666% | 2,418 |
| Return on Equity (ROE) | 5.0310% | 4,717 |
| Retained earnings to average equity (ytd only) | 5.0310% | 3,039 |
| Net charge-offs to loans | -0.0040% | 5,599 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7186% | 4,599 |
| Assets per employee ($millions) | 7.0594% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 3,887 |
| Loan loss allowance to noncurrent loans | 257.9861% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 2.3075% | 1,874 |
| Noncurrent loans to loans | 0.5550% | 4,873 |
| Net loans and leases to total assets | 76.2697% | 955 |
| Net loans and leases to deposits | 97.1750% | 594 |
| Net loans and leases to core deposits | 124.2850% | 251 |
| Total domestic deposits to total assets | 78.4870% | 5,880 |
| Equity capital to assets | 14.9857% | 714 |
| Core capital (leverage) ratio | 14.3980% | 727 |
| Tier 1 risk-based capital ratio | 17.0241% | 2,706 |
| Total risk-based capital ratio | 18.2754% | 2,676 |
| Memoranda: | ||
| Average total assets | $131,688,330 | 4,106 |
| Average earning assets | $120,551,330 | 4,112 |
| Average equity | $19,876,670 | 3,221 |
| Average total loans | $100,081,330 | 3,489 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 1,791 |
| Cost of funding earning assets | 0.5699% | 3,384 |
| Net interest margin | 4.0429% | 1,637 |
| Noninterest income to average assets | 0.2545% | 5,636 |
| Noninterest expense to average assets | 2.5416% | 4,609 |
| Loan and lease loss provision to assets | 0.4568% | 621 |
| Net operating income to assets | 0.5672% | 4,375 |
| Return on assets (ROA) | 0.5672% | 4,524 |
| Pretax return on assets | 0.9535% | 3,550 |
| Return on Equity (ROE) | 3.7440% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.7440% | 3,989 |
| Net charge-offs to loans | -0.0285% | 5,875 |
| Credit loss provision to net charge-offs | -2,128.5714% | 5,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3134% | 4,958 |
| Assets per employee ($millions) | 6.8902% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 3,434 |
| Loan loss allowance to noncurrent loans | 89.1033% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 2.9722% | 1,510 |
| Noncurrent loans to loans | 1.7862% | 2,884 |
| Net loans and leases to total assets | 74.1508% | 1,054 |
| Net loans and leases to deposits | 91.1989% | 874 |
| Net loans and leases to core deposits | 116.2565% | 346 |
| Total domestic deposits to total assets | 81.3067% | 5,417 |
| Equity capital to assets | 15.1605% | 721 |
| Core capital (leverage) ratio | 14.2341% | 736 |
| Tier 1 risk-based capital ratio | 17.5903% | 2,523 |
| Total risk-based capital ratio | 18.8431% | 2,493 |
| Memoranda: | ||
| Average total assets | $130,468,500 | 4,173 |
| Average earning assets | $119,321,000 | 4,169 |
| Average equity | $19,765,000 | 3,275 |
| Average total loans | $98,229,500 | 3,554 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 3,165 |
| Cost of funding earning assets | 0.7138% | 3,374 |
| Net interest margin | 3.8468% | 3,034 |
| Noninterest income to average assets | -0.0111% | 6,851 |
| Noninterest expense to average assets | 2.5228% | 5,021 |
| Loan and lease loss provision to assets | 0.2913% | 2,343 |
| Net operating income to assets | 0.3292% | 5,365 |
| Return on assets (ROA) | 0.3178% | 5,614 |
| Pretax return on assets | 0.5472% | 5,144 |
| Return on Equity (ROE) | 2.2260% | 5,840 |
| Retained earnings to average equity (ytd only) | 2.2260% | 4,672 |
| Net charge-offs to loans | 0.6890% | 1,715 |
| Credit loss provision to net charge-offs | 61.1455% | 4,414 |
| Earnings coverage of net charge-offs (x) | 1.7972% | 4,531 |
| Efficiency ratio | 74.6617% | 2,954 |
| Assets per employee ($millions) | 7.6485% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 3,960 |
| Loan loss allowance to noncurrent loans | 163.4682% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 2.7441% | 1,756 |
| Noncurrent loans to loans | 0.8843% | 4,409 |
| Net loans and leases to total assets | 74.1417% | 1,175 |
| Net loans and leases to deposits | 90.7937% | 996 |
| Net loans and leases to core deposits | 113.1067% | 437 |
| Total domestic deposits to total assets | 81.6595% | 5,208 |
| Equity capital to assets | 15.1380% | 705 |
| Core capital (leverage) ratio | 14.3656% | 706 |
| Tier 1 risk-based capital ratio | 18.4069% | 2,134 |
| Total risk-based capital ratio | 19.6575% | 2,097 |
| Memoranda: | ||
| Average total assets | $135,600,800 | 4,035 |
| Average earning assets | $119,501,200 | 4,117 |
| Average equity | $19,361,800 | 3,281 |
| Average total loans | $93,761,600 | 3,657 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5216% | 3,551 |
| Cost of funding earning assets | 0.7488% | 3,365 |
| Net interest margin | 3.7728% | 3,453 |
| Noninterest income to average assets | -0.0263% | 6,979 |
| Noninterest expense to average assets | 2.5937% | 4,767 |
| Loan and lease loss provision to assets | 0.2131% | 2,938 |
| Net operating income to assets | 0.2637% | 5,736 |
| Return on assets (ROA) | 0.2637% | 5,930 |
| Pretax return on assets | 0.4574% | 5,573 |
| Return on Equity (ROE) | 1.8739% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.8739% | 5,403 |
| Net charge-offs to loans | 0.3450% | 2,725 |
| Credit loss provision to net charge-offs | 91.2500% | 3,259 |
| Earnings coverage of net charge-offs (x) | 2.8708% | 3,892 |
| Efficiency ratio | 79.4574% | 2,179 |
| Assets per employee ($millions) | 8.1603% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 2,919 |
| Loan loss allowance to noncurrent loans | 205.1122% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 2.9166% | 1,800 |
| Noncurrent loans to loans | 0.8601% | 4,699 |
| Net loans and leases to total assets | 70.1528% | 1,884 |
| Net loans and leases to deposits | 84.6769% | 1,782 |
| Net loans and leases to core deposits | 104.9848% | 809 |
| Total domestic deposits to total assets | 82.8476% | 4,710 |
| Equity capital to assets | 14.9090% | 845 |
| Core capital (leverage) ratio | 13.6984% | 944 |
| Tier 1 risk-based capital ratio | 18.5575% | 2,139 |
| Total risk-based capital ratio | 19.8125% | 2,107 |
| Memoranda: | ||
| Average total assets | $136,995,000 | 4,042 |
| Average earning assets | $119,482,750 | 4,164 |
| Average equity | $19,281,500 | 3,322 |
| Average total loans | $92,748,000 | 3,720 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 3,649 |
| Cost of funding earning assets | 0.7896% | 3,278 |
| Net interest margin | 3.7394% | 3,643 |
| Noninterest income to average assets | -0.0906% | 7,085 |
| Noninterest expense to average assets | 2.5802% | 4,846 |
| Loan and lease loss provision to assets | 0.1164% | 4,072 |
| Net operating income to assets | 0.2487% | 5,770 |
| Return on assets (ROA) | 0.2487% | 5,958 |
| Pretax return on assets | 0.4327% | 5,625 |
| Return on Equity (ROE) | 1.8002% | 6,101 |
| Retained earnings to average equity (ytd only) | 1.8002% | 5,294 |
| Net charge-offs to loans | 0.4580% | 2,229 |
| Credit loss provision to net charge-offs | 38.2075% | 4,307 |
| Earnings coverage of net charge-offs (x) | 1.8019% | 4,075 |
| Efficiency ratio | 82.4529% | 1,822 |
| Assets per employee ($millions) | 8.0522% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 3,298 |
| Loan loss allowance to noncurrent loans | 81.7697% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 4.0932% | 1,229 |
| Noncurrent loans to loans | 2.0598% | 2,878 |
| Net loans and leases to total assets | 65.4145% | 2,788 |
| Net loans and leases to deposits | 78.0177% | 2,664 |
| Net loans and leases to core deposits | 98.8650% | 1,187 |
| Total domestic deposits to total assets | 83.8458% | 4,381 |
| Equity capital to assets | 14.1525% | 1,032 |
| Core capital (leverage) ratio | 13.1391% | 1,111 |
| Tier 1 risk-based capital ratio | 18.6357% | 2,089 |
| Total risk-based capital ratio | 19.8897% | 2,046 |
| Memoranda: | ||
| Average total assets | $139,138,330 | 4,029 |
| Average earning assets | $119,806,670 | 4,179 |
| Average equity | $19,220,000 | 3,320 |
| Average total loans | $92,584,000 | 3,742 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 3,471 |
| Cost of funding earning assets | 0.8690% | 2,927 |
| Net interest margin | 3.7380% | 3,650 |
| Noninterest income to average assets | 0.2367% | 5,939 |
| Noninterest expense to average assets | 2.5666% | 4,939 |
| Loan and lease loss provision to assets | 0.6217% | 906 |
| Net operating income to assets | 0.0684% | 6,296 |
| Return on assets (ROA) | 0.0684% | 6,416 |
| Pretax return on assets | 0.1397% | 6,321 |
| Return on Equity (ROE) | 0.5015% | 6,441 |
| Retained earnings to average equity (ytd only) | 0.5015% | 5,841 |
| Net charge-offs to loans | 0.2271% | 2,790 |
| Credit loss provision to net charge-offs | 411.3208% | 766 |
| Earnings coverage of net charge-offs (x) | 5.0377% | 2,453 |
| Efficiency ratio | 77.1208% | 2,627 |
| Assets per employee ($millions) | 7.9321% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 2,487 |
| Loan loss allowance to noncurrent loans | 84.4875% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 4.4496% | 1,207 |
| Noncurrent loans to loans | 2.3206% | 2,789 |
| Net loans and leases to total assets | 64.0916% | 2,833 |
| Net loans and leases to deposits | 76.2408% | 2,759 |
| Net loans and leases to core deposits | 96.9960% | 1,200 |
| Total domestic deposits to total assets | 84.0647% | 4,455 |
| Equity capital to assets | 13.4286% | 1,263 |
| Core capital (leverage) ratio | 12.8244% | 1,193 |
| Tier 1 risk-based capital ratio | 17.8479% | 2,346 |
| Total risk-based capital ratio | 19.1049% | 2,319 |
| Memoranda: | ||
| Average total assets | $140,264,000 | 4,025 |
| Average earning assets | $115,999,000 | 4,292 |
| Average equity | $19,143,500 | 3,332 |
| Average total loans | $93,337,000 | 3,747 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 3,586 |
| Cost of funding earning assets | 1.0542% | 2,989 |
| Net interest margin | 3.7962% | 3,836 |
| Noninterest income to average assets | 0.0933% | 6,670 |
| Noninterest expense to average assets | 2.5907% | 5,132 |
| Loan and lease loss provision to assets | 0.3337% | 3,023 |
| Net operating income to assets | 0.2080% | 5,571 |
| Return on assets (ROA) | 0.2195% | 5,666 |
| Pretax return on assets | 0.4427% | 5,159 |
| Return on Equity (ROE) | 1.5639% | 5,822 |
| Retained earnings to average equity (ytd only) | 1.5639% | 5,095 |
| Net charge-offs to loans | 0.2255% | 4,371 |
| Credit loss provision to net charge-offs | 204.1096% | 1,219 |
| Earnings coverage of net charge-offs (x) | 4.6393% | 3,037 |
| Efficiency ratio | 77.3518% | 2,689 |
| Assets per employee ($millions) | 7.2501% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7839% | 2,920 |
| Loan loss allowance to noncurrent loans | 65.3710% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 4.9909% | 1,075 |
| Noncurrent loans to loans | 2.7289% | 2,386 |
| Net loans and leases to total assets | 66.5483% | 2,675 |
| Net loans and leases to deposits | 78.1096% | 2,822 |
| Net loans and leases to core deposits | 98.9198% | 1,267 |
| Total domestic deposits to total assets | 85.1987% | 3,741 |
| Equity capital to assets | 13.8758% | 1,115 |
| Core capital (leverage) ratio | 12.9166% | 1,176 |
| Tier 1 risk-based capital ratio | 17.7872% | 2,266 |
| Total risk-based capital ratio | 19.0438% | 2,241 |
| Memoranda: | ||
| Average total assets | $133,940,000 | 4,095 |
| Average earning assets | $114,878,800 | 4,262 |
| Average equity | $18,799,400 | 3,312 |
| Average total loans | $97,130,800 | 3,696 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 3,640 |
| Cost of funding earning assets | 1.1058% | 2,937 |
| Net interest margin | 3.7738% | 3,996 |
| Noninterest income to average assets | 0.4592% | 4,224 |
| Noninterest expense to average assets | 3.0288% | 3,443 |
| Loan and lease loss provision to assets | 0.1935% | 4,086 |
| Net operating income to assets | 0.2844% | 5,451 |
| Return on assets (ROA) | 0.2998% | 5,571 |
| Pretax return on assets | 0.5183% | 5,096 |
| Return on Equity (ROE) | 2.1295% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.1295% | 5,071 |
| Net charge-offs to loans | 0.1822% | 4,341 |
| Credit loss provision to net charge-offs | 144.0299% | 2,204 |
| Earnings coverage of net charge-offs (x) | 5.1194% | 2,870 |
| Efficiency ratio | 81.4945% | 2,041 |
| Assets per employee ($millions) | 7.2580% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 3,769 |
| Loan loss allowance to noncurrent loans | 48.2114% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 4.6410% | 1,283 |
| Noncurrent loans to loans | 3.2715% | 2,113 |
| Net loans and leases to total assets | 67.6952% | 2,537 |
| Net loans and leases to deposits | 79.5218% | 2,717 |
| Net loans and leases to core deposits | 102.3159% | 1,080 |
| Total domestic deposits to total assets | 85.1278% | 3,712 |
| Equity capital to assets | 13.8584% | 1,220 |
| Core capital (leverage) ratio | 12.9514% | 1,245 |
| Tier 1 risk-based capital ratio | 17.5154% | 2,439 |
| Total risk-based capital ratio | 18.7686% | 2,410 |
| Memoranda: | ||
| Average total assets | $132,987,250 | 4,130 |
| Average earning assets | $114,790,000 | 4,287 |
| Average equity | $18,720,750 | 3,321 |
| Average total loans | $98,079,500 | 3,698 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9431% | 3,426 |
| Cost of funding earning assets | 1.1348% | 3,008 |
| Net interest margin | 3.8082% | 3,741 |
| Noninterest income to average assets | 0.4157% | 4,549 |
| Noninterest expense to average assets | 2.6890% | 4,862 |
| Loan and lease loss provision to assets | 0.8359% | 1,086 |
| Net operating income to assets | 0.1167% | 5,972 |
| Return on assets (ROA) | 0.1401% | 6,004 |
| Pretax return on assets | 0.2589% | 5,781 |
| Return on Equity (ROE) | 0.9897% | 6,093 |
| Retained earnings to average equity (ytd only) | 0.9897% | 5,471 |
| Net charge-offs to loans | 0.2945% | 3,403 |
| Credit loss provision to net charge-offs | 376.0274% | 801 |
| Earnings coverage of net charge-offs (x) | 4.7603% | 2,789 |
| Efficiency ratio | 71.7594% | 3,788 |
| Assets per employee ($millions) | 7.0636% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 2,630 |
| Loan loss allowance to noncurrent loans | 49.0667% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 5.4237% | 1,091 |
| Noncurrent loans to loans | 3.8978% | 1,783 |
| Net loans and leases to total assets | 70.3155% | 2,154 |
| Net loans and leases to deposits | 83.1914% | 2,234 |
| Net loans and leases to core deposits | 108.4041% | 790 |
| Total domestic deposits to total assets | 84.5225% | 4,109 |
| Equity capital to assets | 14.0051% | 1,094 |
| Core capital (leverage) ratio | 13.2042% | 1,085 |
| Tier 1 risk-based capital ratio | 16.8060% | 2,604 |
| Total risk-based capital ratio | 18.0625% | 2,565 |
| Memoranda: | ||
| Average total assets | $131,349,000 | 4,197 |
| Average earning assets | $114,908,670 | 4,305 |
| Average equity | $18,590,670 | 3,319 |
| Average total loans | $99,156,330 | 3,708 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8909% | 3,637 |
| Cost of funding earning assets | 1.1546% | 3,131 |
| Net interest margin | 3.7362% | 3,914 |
| Noninterest income to average assets | 0.3479% | 5,123 |
| Noninterest expense to average assets | 2.8294% | 4,333 |
| Loan and lease loss provision to assets | 0.6681% | 1,279 |
| Net operating income to assets | 0.0943% | 6,109 |
| Return on assets (ROA) | 0.1416% | 6,025 |
| Pretax return on assets | 0.2617% | 5,772 |
| Return on Equity (ROE) | 0.9952% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.9952% | 5,429 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7753% | 3,019 |
| Assets per employee ($millions) | 6.8157% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 3,586 |
| Loan loss allowance to noncurrent loans | 55.3733% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 4.7252% | 1,349 |
| Noncurrent loans to loans | 2.9544% | 2,544 |
| Net loans and leases to total assets | 76.7950% | 902 |
| Net loans and leases to deposits | 91.5652% | 1,060 |
| Net loans and leases to core deposits | 105.2382% | 978 |
| Total domestic deposits to total assets | 83.8692% | 4,540 |
| Equity capital to assets | 14.2921% | 934 |
| Core capital (leverage) ratio | 13.3007% | 1,025 |
| Tier 1 risk-based capital ratio | 15.9105% | 2,946 |
| Total risk-based capital ratio | 17.1635% | 2,918 |
| Memoranda: | ||
| Average total assets | $129,919,500 | 4,265 |
| Average earning assets | $116,052,500 | 4,298 |
| Average equity | $18,488,000 | 3,329 |
| Average total loans | $100,630,000 | 3,701 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0713% | 4,227 |
| Cost of funding earning assets | 1.4673% | 2,836 |
| Net interest margin | 3.6041% | 4,801 |
| Noninterest income to average assets | 0.3451% | 5,332 |
| Noninterest expense to average assets | 2.6470% | 5,233 |
| Loan and lease loss provision to assets | 0.7636% | 2,148 |
| Net operating income to assets | 0.1289% | 5,513 |
| Return on assets (ROA) | 0.1494% | 5,601 |
| Pretax return on assets | 0.2428% | 5,373 |
| Return on Equity (ROE) | 1.0189% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.0189% | 5,031 |
| Net charge-offs to loans | 1.0925% | 2,040 |
| Credit loss provision to net charge-offs | 88.4366% | 5,189 |
| Earnings coverage of net charge-offs (x) | 1.1286% | 4,979 |
| Efficiency ratio | 73.0922% | 3,579 |
| Assets per employee ($millions) | 6.8601% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 4,352 |
| Loan loss allowance to noncurrent loans | 60.2768% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 4.2320% | 1,579 |
| Noncurrent loans to loans | 2.3802% | 3,138 |
| Net loans and leases to total assets | 75.7406% | 1,328 |
| Net loans and leases to deposits | 89.1547% | 1,625 |
| Net loans and leases to core deposits | 102.9727% | 1,391 |
| Total domestic deposits to total assets | 84.9541% | 3,873 |
| Equity capital to assets | 14.1690% | 990 |
| Core capital (leverage) ratio | 13.2925% | 1,030 |
| Tier 1 risk-based capital ratio | 15.9695% | 2,770 |
| Total risk-based capital ratio | 17.2202% | 2,719 |
| Memoranda: | ||
| Average total assets | $125,197,400 | 4,373 |
| Average earning assets | $113,816,400 | 4,381 |
| Average equity | $18,352,400 | 3,374 |
| Average total loans | $98,947,000 | 3,827 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 4,458 |
| Cost of funding earning assets | 1.5381% | 2,730 |
| Net interest margin | 3.5360% | 5,162 |
| Noninterest income to average assets | 0.3368% | 5,472 |
| Noninterest expense to average assets | 2.7094% | 4,840 |
| Loan and lease loss provision to assets | 0.6521% | 2,339 |
| Net operating income to assets | 0.1285% | 5,694 |
| Return on assets (ROA) | 0.1560% | 5,781 |
| Pretax return on assets | 0.2539% | 5,605 |
| Return on Equity (ROE) | 1.0551% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.0551% | 5,396 |
| Net charge-offs to loans | 0.5744% | 3,025 |
| Credit loss provision to net charge-offs | 142.5882% | 2,767 |
| Earnings coverage of net charge-offs (x) | 1.8871% | 4,294 |
| Efficiency ratio | 75.8434% | 2,983 |
| Assets per employee ($millions) | 6.8469% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 3,156 |
| Loan loss allowance to noncurrent loans | 133.8710% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 3.4084% | 2,084 |
| Noncurrent loans to loans | 1.2686% | 4,735 |
| Net loans and leases to total assets | 77.5528% | 1,116 |
| Net loans and leases to deposits | 95.1407% | 1,088 |
| Net loans and leases to core deposits | 108.0216% | 1,161 |
| Total domestic deposits to total assets | 81.5139% | 5,199 |
| Equity capital to assets | 14.2776% | 1,091 |
| Core capital (leverage) ratio | 13.5270% | 1,051 |
| Tier 1 risk-based capital ratio | 15.8405% | 2,848 |
| Total risk-based capital ratio | 17.0945% | 2,789 |
| Memoranda: | ||
| Average total assets | $123,911,500 | 4,455 |
| Average earning assets | $113,381,750 | 4,448 |
| Average equity | $18,323,500 | 3,422 |
| Average total loans | $98,644,250 | 3,903 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0866% | 4,526 |
| Cost of funding earning assets | 1.6322% | 2,473 |
| Net interest margin | 3.4544% | 5,428 |
| Noninterest income to average assets | 0.3512% | 5,340 |
| Noninterest expense to average assets | 2.7640% | 4,642 |
| Loan and lease loss provision to assets | 0.5712% | 2,491 |
| Net operating income to assets | 0.1100% | 5,837 |
| Return on assets (ROA) | 0.1247% | 5,896 |
| Pretax return on assets | 0.2035% | 5,763 |
| Return on Equity (ROE) | 0.8333% | 6,000 |
| Retained earnings to average equity (ytd only) | 0.8333% | 5,435 |
| Net charge-offs to loans | 0.2405% | 4,159 |
| Credit loss provision to net charge-offs | 297.4359% | 1,248 |
| Earnings coverage of net charge-offs (x) | 3.9145% | 3,122 |
| Efficiency ratio | 78.6181% | 2,641 |
| Assets per employee ($millions) | 7.1146% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,681 |
| Loan loss allowance to noncurrent loans | 136.4536% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 3.1781% | 2,229 |
| Noncurrent loans to loans | 1.3296% | 4,730 |
| Net loans and leases to total assets | 75.7727% | 1,531 |
| Net loans and leases to deposits | 90.3728% | 1,796 |
| Net loans and leases to core deposits | 100.9141% | 1,927 |
| Total domestic deposits to total assets | 83.8445% | 4,178 |
| Equity capital to assets | 14.3969% | 1,039 |
| Core capital (leverage) ratio | 13.5313% | 1,047 |
| Tier 1 risk-based capital ratio | 15.9994% | 2,671 |
| Total risk-based capital ratio | 17.2540% | 2,633 |
| Memoranda: | ||
| Average total assets | $121,851,330 | 4,531 |
| Average earning assets | $111,626,000 | 4,519 |
| Average equity | $18,240,000 | 3,426 |
| Average total loans | $97,314,670 | 3,979 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0021% | 5,013 |
| Cost of funding earning assets | 1.6347% | 2,744 |
| Net interest margin | 3.3674% | 5,721 |
| Noninterest income to average assets | 0.1078% | 7,157 |
| Noninterest expense to average assets | 2.7891% | 4,520 |
| Loan and lease loss provision to assets | 0.3975% | 2,988 |
| Net operating income to assets | 0.0269% | 6,225 |
| Return on assets (ROA) | 0.0269% | 6,339 |
| Pretax return on assets | 0.0438% | 6,273 |
| Return on Equity (ROE) | 0.1764% | 6,354 |
| Retained earnings to average equity (ytd only) | 0.1764% | 5,748 |
| Net charge-offs to loans | 0.0539% | 4,864 |
| Credit loss provision to net charge-offs | 907.6923% | 506 |
| Earnings coverage of net charge-offs (x) | 10.0769% | 1,784 |
| Efficiency ratio | 86.3399% | 1,761 |
| Assets per employee ($millions) | 6.8608% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 3,116 |
| Loan loss allowance to noncurrent loans | 37.9381% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 3.6860% | 1,896 |
| Noncurrent loans to loans | 4.4430% | 1,687 |
| Net loans and leases to total assets | 78.7334% | 1,020 |
| Net loans and leases to deposits | 94.0057% | 1,348 |
| Net loans and leases to core deposits | 103.1804% | 1,807 |
| Total domestic deposits to total assets | 83.7539% | 4,261 |
| Equity capital to assets | 14.7351% | 944 |
| Core capital (leverage) ratio | 14.0710% | 944 |
| Tier 1 risk-based capital ratio | 16.4292% | 2,480 |
| Total risk-based capital ratio | 17.6838% | 2,433 |
| Memoranda: | ||
| Average total assets | $118,746,000 | 4,665 |
| Average earning assets | $110,113,000 | 4,608 |
| Average equity | $18,141,500 | 3,458 |
| Average total loans | $96,557,500 | 4,060 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 6,622 |
| Cost of funding earning assets | 1.8411% | 3,779 |
| Net interest margin | 3.0966% | 6,379 |
| Noninterest income to average assets | 0.1109% | 7,206 |
| Noninterest expense to average assets | 3.9521% | 1,433 |
| Loan and lease loss provision to assets | 1.2343% | 1,863 |
| Net operating income to assets | -0.0881% | 5,658 |
| Return on assets (ROA) | -0.0835% | 5,662 |
| Pretax return on assets | -2.2241% | 7,031 |
| Return on Equity (ROE) | -0.4015% | 5,601 |
| Retained earnings to average equity (ytd only) | -0.4015% | 5,062 |
| Net charge-offs to loans | 0.0908% | 6,221 |
| Credit loss provision to net charge-offs | 1,725.0000% | 185 |
| Earnings coverage of net charge-offs (x) | -13.9333% | 7,174 |
| Efficiency ratio | 133.7369% | 441 |
| Assets per employee ($millions) | 5.6999% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 3,055 |
| Loan loss allowance to noncurrent loans | 913.4503% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 6,654 |
| Noncurrent loans to loans | 0.1815% | 6,969 |
| Net loans and leases to total assets | 81.2777% | 797 |
| Net loans and leases to deposits | 98.8489% | 1,019 |
| Net loans and leases to core deposits | 142.1809% | 730 |
| Total domestic deposits to total assets | 82.2242% | 4,854 |
| Equity capital to assets | 15.8652% | 719 |
| Core capital (leverage) ratio | 15.4655% | 696 |
| Tier 1 risk-based capital ratio | 16.9266% | 2,170 |
| Total risk-based capital ratio | 18.1811% | 2,140 |
| Memoranda: | ||
| Average total assets | $83,853,800 | 5,597 |
| Average earning assets | $77,018,800 | 5,560 |
| Average equity | $17,434,400 | 3,592 |
| Average total loans | $66,095,000 | 5,014 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 7,246 |
| Cost of funding earning assets | 1.8831% | 3,969 |
| Net interest margin | 2.8399% | 6,988 |
| Noninterest income to average assets | 0.1066% | 7,374 |
| Noninterest expense to average assets | 4.0566% | 1,202 |
| Loan and lease loss provision to assets | 1.3749% | 1,398 |
| Net operating income to assets | -2.7219% | 7,520 |
| Return on assets (ROA) | -2.7149% | 7,523 |
| Pretax return on assets | -2.7149% | 7,422 |
| Return on Equity (ROE) | -11.9964% | 7,019 |
| Retained earnings to average equity (ytd only) | -11.9964% | 6,945 |
| Net charge-offs to loans | 0.0339% | 6,422 |
| Credit loss provision to net charge-offs | 5,246.6667% | 77 |
| Earnings coverage of net charge-offs (x) | -51.3985% | 6,963 |
| Efficiency ratio | 149.7099% | 324 |
| Assets per employee ($millions) | 4.9686% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 2,759 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.8858% | 1,002 |
| Net loans and leases to deposits | 98.1728% | 1,308 |
| Net loans and leases to core deposits | 127.1687% | 1,641 |
| Total domestic deposits to total assets | 82.3912% | 4,504 |
| Equity capital to assets | 16.7997% | 660 |
| Core capital (leverage) ratio | 17.2972% | 516 |
| Tier 1 risk-based capital ratio | 19.8255% | 1,593 |
| Total risk-based capital ratio | 21.0800% | 1,551 |
| Memoranda: | ||
| Average total assets | $76,317,750 | 5,870 |
| Average earning assets | $69,954,000 | 5,847 |
| Average equity | $17,271,500 | 3,648 |
| Average total loans | $59,064,500 | 5,334 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 7,694 |
| Cost of funding earning assets | 1.8895% | 4,320 |
| Net interest margin | 2.5365% | 7,433 |
| Noninterest income to average assets | 0.1020% | 7,468 |
| Noninterest expense to average assets | 4.4177% | 847 |
| Loan and lease loss provision to assets | 1.3375% | 1,295 |
| Net operating income to assets | -3.3570% | 7,733 |
| Return on assets (ROA) | -3.3453% | 7,735 |
| Pretax return on assets | -3.3453% | 7,646 |
| Return on Equity (ROE) | -13.1470% | 7,232 |
| Retained earnings to average equity (ytd only) | -13.1470% | 7,123 |
| Net charge-offs to loans | 0.0582% | 5,683 |
| Credit loss provision to net charge-offs | 3,060.0000% | 160 |
| Earnings coverage of net charge-offs (x) | -46.2000% | 6,595 |
| Efficiency ratio | 184.2041% | 238 |
| Assets per employee ($millions) | 4.7178% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 2,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.5057% | 3,344 |
| Net loans and leases to deposits | 89.9405% | 2,841 |
| Net loans and leases to core deposits | 113.9219% | 2,916 |
| Total domestic deposits to total assets | 79.5033% | 5,646 |
| Equity capital to assets | 18.8545% | 470 |
| Core capital (leverage) ratio | 20.3300% | 345 |
| Tier 1 risk-based capital ratio | 25.6822% | 883 |
| Total risk-based capital ratio | 26.9360% | 859 |
| Memoranda: | ||
| Average total assets | $68,633,330 | 6,127 |
| Average earning assets | $62,133,330 | 6,141 |
| Average equity | $17,464,000 | 3,625 |
| Average total loans | $51,507,330 | 5,697 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 7,933 |
| Cost of funding earning assets | 1.7511% | 5,347 |
| Net interest margin | 2.3700% | 7,653 |
| Noninterest income to average assets | 0.0963% | 7,566 |
| Noninterest expense to average assets | 5.2640% | 409 |
| Loan and lease loss provision to assets | 1.8235% | 675 |
| Net operating income to assets | -4.8305% | 8,027 |
| Return on assets (ROA) | -4.8030% | 8,019 |
| Pretax return on assets | -4.8030% | 7,970 |
| Return on Equity (ROE) | -15.7336% | 7,639 |
| Retained earnings to average equity (ytd only) | -15.7336% | 7,479 |
| Net charge-offs to loans | 0.1342% | 3,887 |
| Credit loss provision to net charge-offs | 1,766.6667% | 362 |
| Earnings coverage of net charge-offs (x) | -29.1333% | 5,682 |
| Efficiency ratio | 233.2317% | 143 |
| Assets per employee ($millions) | 3.8192% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 2,547 |
| 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% | 7,590 |
| Net loans and leases to total assets | 71.2419% | 3,418 |
| Net loans and leases to deposits | 98.8735% | 1,550 |
| Net loans and leases to core deposits | 119.6334% | 2,450 |
| Total domestic deposits to total assets | 72.0536% | 7,201 |
| Equity capital to assets | 23.9830% | 249 |
| Core capital (leverage) ratio | 30.6030% | 148 |
| Tier 1 risk-based capital ratio | 33.2236% | 485 |
| Total risk-based capital ratio | 34.4732% | 478 |
| Memoranda: | ||
| Average total assets | $58,130,500 | 6,542 |
| Average earning assets | $52,995,500 | 6,541 |
| Average equity | $17,745,500 | 3,603 |
| Average total loans | $44,697,000 | 6,031 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 8,142 |
| Cost of funding earning assets | 1.2092% | 7,934 |
| Net interest margin | 2.2917% | 7,915 |
| Noninterest income to average assets | 0.0656% | 7,819 |
| Noninterest expense to average assets | 5.8145% | 439 |
| Loan and lease loss provision to assets | 1.6739% | 779 |
| Net operating income to assets | -5.3098% | 8,109 |
| Return on assets (ROA) | -5.3098% | 8,101 |
| Pretax return on assets | -5.3098% | 8,053 |
| Return on Equity (ROE) | -9.8622% | 7,271 |
| Retained earnings to average equity (ytd only) | -9.8622% | 7,062 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 266.8848% | 125 |
| Assets per employee ($millions) | 2.1849% | 7,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 2,279 |
| 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 | 83.0126% | 1,045 |
| Net loans and leases to deposits | 162.6856% | 58 |
| Net loans and leases to core deposits | 224.6903% | 101 |
| Total domestic deposits to total assets | 51.0264% | 8,117 |
| Equity capital to assets | 41.3941% | 96 |
| Core capital (leverage) ratio | 43.1484% | 99 |
| Tier 1 risk-based capital ratio | 50.0764% | 218 |
| Total risk-based capital ratio | 51.3288% | 216 |
| Memoranda: | ||
| Average total assets | $35,067,500 | 7,421 |
| Average earning assets | $32,334,500 | 7,393 |
| Average equity | $18,880,250 | 3,418 |
| Average total loans | $19,326,500 | 7,376 |