Home > Century Next Bank > Performance and Condition Ratios
Century Next 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 | 5.8345% | 788 |
| Cost of funding earning assets | 1.9541% | 988 |
| Net interest margin | 3.8804% | 1,417 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.7952% | 1,510 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0294% | 2,120 |
| Return on assets (ROA) | 1.0294% | 2,101 |
| Pretax return on assets | 1.2788% | 1,930 |
| Return on Equity (ROE) | 9.7300% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.7302% | 1,082 |
| Net charge-offs to loans | 0.0035% | 2,638 |
| Credit loss provision to net charge-offs | 1,310.0000% | 326 |
| Earnings coverage of net charge-offs (x) | 463.0500% | 310 |
| Efficiency ratio | 67.1379% | 2,216 |
| Assets per employee ($millions) | 6.7131% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 3,212 |
| Loan loss allowance to noncurrent loans | 246.9388% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 1,450 |
| Noncurrent loans to loans | 0.4130% | 1,749 |
| Net loans and leases to total assets | 76.7300% | 1,012 |
| Net loans and leases to deposits | 86.2989% | 1,595 |
| Net loans and leases to core deposits | 88.7194% | 2,138 |
| Total domestic deposits to total assets | 88.9100% | 1,095 |
| Equity capital to assets | 10.3623% | 1,804 |
| Core capital (leverage) ratio | 10.2739% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $703,683,000 | 1,307 |
| Average earning assets | $659,642,200 | 1,295 |
| Average equity | $74,448,800 | 1,189 |
| Average total loans | $574,127,200 | 1,115 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 774 |
| Cost of funding earning assets | 1.9035% | 861 |
| Net interest margin | 3.8097% | 1,573 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.8261% | 1,375 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9461% | 2,526 |
| Return on assets (ROA) | 0.9461% | 2,515 |
| Pretax return on assets | 1.1731% | 2,359 |
| Return on Equity (ROE) | 8.8900% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.8916% | 1,715 |
| Net charge-offs to loans | 0.0075% | 2,142 |
| Credit loss provision to net charge-offs | 818.7500% | 456 |
| Earnings coverage of net charge-offs (x) | 197.4375% | 606 |
| Efficiency ratio | 68.9004% | 1,916 |
| Assets per employee ($millions) | 6.1722% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,199 |
| Loan loss allowance to noncurrent loans | 236.6915% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 1,340 |
| Noncurrent loans to loans | 0.4358% | 1,743 |
| Net loans and leases to total assets | 80.9100% | 550 |
| Net loans and leases to deposits | 91.1627% | 1,130 |
| Net loans and leases to core deposits | 93.5156% | 1,702 |
| Total domestic deposits to total assets | 88.7500% | 1,335 |
| Equity capital to assets | 10.5525% | 1,533 |
| Core capital (leverage) ratio | 10.4806% | 2,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $688,280,250 | 1,322 |
| Average earning assets | $643,988,500 | 1,305 |
| Average equity | $73,235,500 | 1,198 |
| Average total loans | $569,343,250 | 1,119 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5113% | 818 |
| Cost of funding earning assets | 1.8216% | 709 |
| Net interest margin | 3.6897% | 1,837 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.8343% | 1,352 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8388% | 2,960 |
| Return on assets (ROA) | 0.8388% | 2,969 |
| Pretax return on assets | 1.0208% | 2,856 |
| Return on Equity (ROE) | 7.8600% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.8606% | 2,012 |
| Net charge-offs to loans | -0.0025% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.1557% | 1,644 |
| Assets per employee ($millions) | 6.0786% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 3,193 |
| Loan loss allowance to noncurrent loans | 1,954.0193% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,468 |
| Noncurrent loans to loans | 0.0537% | 3,317 |
| Net loans and leases to total assets | 81.9400% | 437 |
| Net loans and leases to deposits | 93.2398% | 929 |
| Net loans and leases to core deposits | 96.4112% | 1,441 |
| Total domestic deposits to total assets | 87.8900% | 1,647 |
| Equity capital to assets | 10.5916% | 1,554 |
| Core capital (leverage) ratio | 10.4670% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $679,049,000 | 1,331 |
| Average earning assets | $634,951,667 | 1,314 |
| Average equity | $72,463,000 | 1,210 |
| Average total loans | $564,019,333 | 1,117 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 811 |
| Cost of funding earning assets | 1.7110% | 562 |
| Net interest margin | 3.6063% | 2,114 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.8895% | 1,253 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.6977% | 3,473 |
| Return on assets (ROA) | 0.6977% | 3,421 |
| Pretax return on assets | 0.8633% | 3,322 |
| Return on Equity (ROE) | 6.5100% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.5128% | 2,642 |
| Net charge-offs to loans | -0.0108% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.3882% | 1,298 |
| Assets per employee ($millions) | 6.1537% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,309 |
| Loan loss allowance to noncurrent loans | 982.0428% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 2,105 |
| Noncurrent loans to loans | 0.1066% | 2,998 |
| Net loans and leases to total assets | 81.0300% | 453 |
| Net loans and leases to deposits | 91.9860% | 918 |
| Net loans and leases to core deposits | 96.4813% | 1,254 |
| Total domestic deposits to total assets | 88.0900% | 1,898 |
| Equity capital to assets | 10.4180% | 1,603 |
| Core capital (leverage) ratio | 10.3741% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $669,051,500 | 1,366 |
| Average earning assets | $624,899,500 | 1,354 |
| Average equity | $71,674,500 | 1,228 |
| Average total loans | $556,575,000 | 1,140 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 407 |
| Cost of funding earning assets | 0.8414% | 338 |
| Net interest margin | 3.9904% | 800 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 3.0288% | 929 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.9256% | 2,865 |
| Return on assets (ROA) | 0.9256% | 2,804 |
| Pretax return on assets | 1.2007% | 2,433 |
| Return on Equity (ROE) | 8.1600% | 3,345 |
| Retained earnings to average equity (ytd only) | 8.1590% | 1,770 |
| Net charge-offs to loans | -0.0128% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.2685% | 1,788 |
| Assets per employee ($millions) | 5.5890% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,046 |
| Loan loss allowance to noncurrent loans | 705.7108% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 1,883 |
| Noncurrent loans to loans | 0.1514% | 2,741 |
| Net loans and leases to total assets | 83.6900% | 281 |
| Net loans and leases to deposits | 95.7713% | 657 |
| Net loans and leases to core deposits | 102.4186% | 880 |
| Total domestic deposits to total assets | 87.3900% | 2,273 |
| Equity capital to assets | 11.0318% | 1,242 |
| Core capital (leverage) ratio | 10.7074% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $600,564,400 | 1,479 |
| Average earning assets | $557,865,600 | 1,482 |
| Average equity | $68,133,200 | 1,280 |
| Average total loans | $498,765,600 | 1,180 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 364 |
| Cost of funding earning assets | 0.6219% | 388 |
| Net interest margin | 4.0610% | 559 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 3.0579% | 839 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9749% | 2,566 |
| Return on assets (ROA) | 0.9749% | 2,541 |
| Pretax return on assets | 1.2679% | 2,146 |
| Return on Equity (ROE) | 8.5300% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.5288% | 1,813 |
| Net charge-offs to loans | -0.0252% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.3776% | 1,968 |
| Assets per employee ($millions) | 5.4707% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,085 |
| Loan loss allowance to noncurrent loans | 731.1140% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 2,739 |
| Noncurrent loans to loans | 0.1483% | 2,867 |
| Net loans and leases to total assets | 82.7800% | 333 |
| Net loans and leases to deposits | 94.7147% | 609 |
| Net loans and leases to core deposits | 102.6178% | 713 |
| Total domestic deposits to total assets | 87.4000% | 2,623 |
| Equity capital to assets | 10.9924% | 1,182 |
| Core capital (leverage) ratio | 10.7311% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $590,023,000 | 1,514 |
| Average earning assets | $547,534,250 | 1,516 |
| Average equity | $67,440,250 | 1,303 |
| Average total loans | $487,522,000 | 1,196 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 366 |
| Cost of funding earning assets | 0.4594% | 660 |
| Net interest margin | 4.0573% | 436 |
| Noninterest income to average assets | 0.7061% | 1,312 |
| Noninterest expense to average assets | 3.1363% | 690 |
| Loan and lease loss provision to assets | 0.0874% | 1,128 |
| Net operating income to assets | 0.9567% | 2,330 |
| Return on assets (ROA) | 0.9567% | 2,306 |
| Pretax return on assets | 1.2451% | 1,914 |
| Return on Equity (ROE) | 8.2551% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.2551% | 1,530 |
| Net charge-offs to loans | -0.0257% | 3,990 |
| Credit loss provision to net charge-offs | -413.1148% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2290% | 2,072 |
| Assets per employee ($millions) | 5.3844% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,219 |
| Loan loss allowance to noncurrent loans | 319.5052% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2807% | 1,904 |
| Noncurrent loans to loans | 0.3392% | 2,124 |
| Net loans and leases to total assets | 81.8557% | 293 |
| Net loans and leases to deposits | 93.6850% | 532 |
| Net loans and leases to core deposits | 103.8484% | 518 |
| Total domestic deposits to total assets | 87.3733% | 2,807 |
| Equity capital to assets | 11.0024% | 1,209 |
| Core capital (leverage) ratio | 10.9006% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $576,986,667 | 1,555 |
| Average earning assets | $535,087,000 | 1,568 |
| Average equity | $66,868,000 | 1,330 |
| Average total loans | $474,524,333 | 1,214 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 339 |
| Cost of funding earning assets | 0.4062% | 836 |
| Net interest margin | 4.0583% | 369 |
| Noninterest income to average assets | 0.6599% | 1,448 |
| Noninterest expense to average assets | 3.2827% | 544 |
| Loan and lease loss provision to assets | 0.0907% | 912 |
| Net operating income to assets | 0.8131% | 2,625 |
| Return on assets (ROA) | 0.8131% | 2,613 |
| Pretax return on assets | 1.0535% | 2,281 |
| Return on Equity (ROE) | 6.8238% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.8238% | 1,947 |
| Net charge-offs to loans | -0.0500% | 4,253 |
| Credit loss provision to net charge-offs | -221.0526% | 2,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1632% | 1,841 |
| Assets per employee ($millions) | 4.8177% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,067 |
| Loan loss allowance to noncurrent loans | 274.8606% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 1,694 |
| Noncurrent loans to loans | 0.4210% | 1,980 |
| Net loans and leases to total assets | 82.8840% | 125 |
| Net loans and leases to deposits | 96.1800% | 276 |
| Net loans and leases to core deposits | 107.7651% | 308 |
| Total domestic deposits to total assets | 86.1759% | 3,205 |
| Equity capital to assets | 11.9143% | 990 |
| Core capital (leverage) ratio | 11.4421% | 1,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,879,000 | 1,612 |
| Average earning assets | $515,973,500 | 1,630 |
| Average equity | $66,238,500 | 1,386 |
| Average total loans | $455,584,000 | 1,248 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 316 |
| Cost of funding earning assets | 0.4797% | 1,010 |
| Net interest margin | 4.3941% | 338 |
| Noninterest income to average assets | 0.7133% | 1,719 |
| Noninterest expense to average assets | 3.2013% | 725 |
| Loan and lease loss provision to assets | 0.3902% | 178 |
| Net operating income to assets | 0.9493% | 2,870 |
| Return on assets (ROA) | 0.9493% | 2,943 |
| Pretax return on assets | 1.2076% | 2,639 |
| Return on Equity (ROE) | 8.0907% | 3,190 |
| Retained earnings to average equity (ytd only) | 8.0907% | 1,502 |
| Net charge-offs to loans | 0.3172% | 265 |
| Credit loss provision to net charge-offs | 149.6429% | 1,493 |
| Earnings coverage of net charge-offs (x) | 6.1279% | 2,414 |
| Efficiency ratio | 65.7508% | 2,294 |
| Assets per employee ($millions) | 4.8079% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 2,957 |
| Loan loss allowance to noncurrent loans | 469.1137% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 2,524 |
| Noncurrent loans to loans | 0.2524% | 2,713 |
| Net loans and leases to total assets | 79.0923% | 314 |
| Net loans and leases to deposits | 91.7856% | 488 |
| Net loans and leases to core deposits | 103.7369% | 414 |
| Total domestic deposits to total assets | 86.1707% | 2,847 |
| Equity capital to assets | 11.9177% | 1,290 |
| Core capital (leverage) ratio | 11.4215% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $536,913,400 | 1,606 |
| Average earning assets | $499,242,400 | 1,607 |
| Average equity | $62,998,600 | 1,455 |
| Average total loans | $441,332,800 | 1,285 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 335 |
| Cost of funding earning assets | 0.5012% | 1,038 |
| Net interest margin | 4.4411% | 345 |
| Noninterest income to average assets | 0.7075% | 1,801 |
| Noninterest expense to average assets | 3.2432% | 660 |
| Loan and lease loss provision to assets | 0.5074% | 106 |
| Net operating income to assets | 0.8499% | 3,387 |
| Return on assets (ROA) | 0.8499% | 3,446 |
| Pretax return on assets | 1.0828% | 3,234 |
| Return on Equity (ROE) | 7.2730% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.2730% | 2,319 |
| Net charge-offs to loans | 0.5109% | 152 |
| Credit loss provision to net charge-offs | 120.0000% | 1,466 |
| Earnings coverage of net charge-offs (x) | 3.7609% | 2,295 |
| Efficiency ratio | 66.1421% | 2,082 |
| Assets per employee ($millions) | 4.6981% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,561 |
| Loan loss allowance to noncurrent loans | 411.3732% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 1,856 |
| Noncurrent loans to loans | 0.2612% | 2,882 |
| Net loans and leases to total assets | 83.2206% | 131 |
| Net loans and leases to deposits | 96.5886% | 333 |
| Net loans and leases to core deposits | 110.9627% | 307 |
| Total domestic deposits to total assets | 86.1599% | 2,687 |
| Equity capital to assets | 11.8685% | 1,461 |
| Core capital (leverage) ratio | 11.2002% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $532,915,000 | 1,629 |
| Average earning assets | $495,094,500 | 1,632 |
| Average equity | $62,274,750 | 1,487 |
| Average total loans | $441,029,250 | 1,304 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 410 |
| Cost of funding earning assets | 0.5259% | 1,059 |
| Net interest margin | 4.3658% | 439 |
| Noninterest income to average assets | 0.7133% | 1,756 |
| Noninterest expense to average assets | 3.2685% | 645 |
| Loan and lease loss provision to assets | 0.6885% | 61 |
| Net operating income to assets | 0.6308% | 3,917 |
| Return on assets (ROA) | 0.6308% | 3,976 |
| Pretax return on assets | 0.8125% | 3,837 |
| Return on Equity (ROE) | 5.4266% | 4,052 |
| Retained earnings to average equity (ytd only) | 5.4266% | 3,027 |
| Net charge-offs to loans | 0.8160% | 100 |
| Credit loss provision to net charge-offs | 102.5267% | 1,346 |
| Earnings coverage of net charge-offs (x) | 2.2353% | 2,138 |
| Efficiency ratio | 67.5573% | 1,930 |
| Assets per employee ($millions) | 4.4640% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,744 |
| Loan loss allowance to noncurrent loans | 278.1818% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 1,700 |
| Noncurrent loans to loans | 0.3687% | 2,579 |
| Net loans and leases to total assets | 81.9913% | 219 |
| Net loans and leases to deposits | 94.8582% | 426 |
| Net loans and leases to core deposits | 109.2478% | 383 |
| Total domestic deposits to total assets | 86.4357% | 2,578 |
| Equity capital to assets | 11.5462% | 1,602 |
| Core capital (leverage) ratio | 10.9667% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $530,461,000 | 1,622 |
| Average earning assets | $492,827,667 | 1,627 |
| Average equity | $61,658,667 | 1,493 |
| Average total loans | $436,537,333 | 1,315 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 445 |
| Cost of funding earning assets | 0.5513% | 1,095 |
| Net interest margin | 4.3032% | 516 |
| Noninterest income to average assets | 0.7245% | 1,792 |
| Noninterest expense to average assets | 3.2906% | 619 |
| Loan and lease loss provision to assets | 0.1537% | 839 |
| Net operating income to assets | 1.0076% | 2,786 |
| Return on assets (ROA) | 1.0076% | 2,876 |
| Pretax return on assets | 1.2838% | 2,611 |
| Return on Equity (ROE) | 8.6388% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.6388% | 2,054 |
| Net charge-offs to loans | 0.0529% | 977 |
| Credit loss provision to net charge-offs | 354.3860% | 696 |
| Earnings coverage of net charge-offs (x) | 33.1404% | 1,057 |
| Efficiency ratio | 68.5981% | 1,862 |
| Assets per employee ($millions) | 4.3287% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,554 |
| Loan loss allowance to noncurrent loans | 93.1850% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.0521% | 775 |
| Noncurrent loans to loans | 1.1512% | 1,158 |
| Net loans and leases to total assets | 80.5800% | 305 |
| Net loans and leases to deposits | 93.2981% | 529 |
| Net loans and leases to core deposits | 108.1849% | 456 |
| Total domestic deposits to total assets | 86.3683% | 2,594 |
| Equity capital to assets | 11.5475% | 1,511 |
| Core capital (leverage) ratio | 11.1275% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $525,619,000 | 1,616 |
| Average earning assets | $489,033,000 | 1,617 |
| Average equity | $61,305,000 | 1,486 |
| Average total loans | $431,075,000 | 1,327 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 310 |
| Cost of funding earning assets | 0.7835% | 1,280 |
| Net interest margin | 4.4568% | 356 |
| Noninterest income to average assets | 0.8244% | 1,468 |
| Noninterest expense to average assets | 3.2907% | 921 |
| Loan and lease loss provision to assets | 0.2865% | 1,324 |
| Net operating income to assets | 1.0652% | 2,047 |
| Return on assets (ROA) | 1.0652% | 2,185 |
| Pretax return on assets | 1.3591% | 1,789 |
| Return on Equity (ROE) | 9.3161% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.3161% | 710 |
| Net charge-offs to loans | 0.0773% | 1,710 |
| Credit loss provision to net charge-offs | 445.5385% | 1,339 |
| Earnings coverage of net charge-offs (x) | 25.5877% | 1,738 |
| Efficiency ratio | 65.6765% | 2,581 |
| Assets per employee ($millions) | 4.1490% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,601 |
| Loan loss allowance to noncurrent loans | 112.5836% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 1,072 |
| Noncurrent loans to loans | 0.9500% | 1,489 |
| Net loans and leases to total assets | 81.7127% | 317 |
| Net loans and leases to deposits | 94.8277% | 614 |
| Net loans and leases to core deposits | 112.1807% | 453 |
| Total domestic deposits to total assets | 86.1696% | 2,293 |
| Equity capital to assets | 11.7843% | 1,689 |
| Core capital (leverage) ratio | 11.1392% | 1,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,339,600 | 1,534 |
| Average earning assets | $466,233,400 | 1,550 |
| Average equity | $57,781,600 | 1,488 |
| Average total loans | $420,655,600 | 1,297 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2762% | 359 |
| Cost of funding earning assets | 0.8378% | 1,319 |
| Net interest margin | 4.4384% | 440 |
| Noninterest income to average assets | 0.7880% | 1,540 |
| Noninterest expense to average assets | 3.2741% | 945 |
| Loan and lease loss provision to assets | 0.2878% | 1,402 |
| Net operating income to assets | 1.0260% | 2,231 |
| Return on assets (ROA) | 1.0260% | 2,370 |
| Pretax return on assets | 1.3135% | 1,993 |
| Return on Equity (ROE) | 9.0436% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.0436% | 968 |
| Net charge-offs to loans | 0.0448% | 1,985 |
| Credit loss provision to net charge-offs | 770.2128% | 1,007 |
| Earnings coverage of net charge-offs (x) | 42.8511% | 1,310 |
| Efficiency ratio | 66.1538% | 2,451 |
| Assets per employee ($millions) | 4.3524% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 3,631 |
| Loan loss allowance to noncurrent loans | 88.6161% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.1250% | 923 |
| Noncurrent loans to loans | 1.1469% | 1,322 |
| Net loans and leases to total assets | 84.2434% | 255 |
| Net loans and leases to deposits | 97.7720% | 638 |
| Net loans and leases to core deposits | 120.7508% | 396 |
| Total domestic deposits to total assets | 86.1631% | 1,997 |
| Equity capital to assets | 11.7039% | 1,875 |
| Core capital (leverage) ratio | 10.7299% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $503,054,000 | 1,519 |
| Average earning assets | $463,275,750 | 1,532 |
| Average equity | $57,070,000 | 1,495 |
| Average total loans | $419,584,000 | 1,294 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 429 |
| Cost of funding earning assets | 0.9074% | 1,341 |
| Net interest margin | 4.4598% | 547 |
| Noninterest income to average assets | 0.8013% | 1,436 |
| Noninterest expense to average assets | 3.2521% | 1,072 |
| Loan and lease loss provision to assets | 0.2882% | 1,490 |
| Net operating income to assets | 1.0532% | 2,135 |
| Return on assets (ROA) | 1.0532% | 2,267 |
| Pretax return on assets | 1.3617% | 1,831 |
| Return on Equity (ROE) | 9.3835% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.3835% | 915 |
| Net charge-offs to loans | 0.1739% | 857 |
| Credit loss provision to net charge-offs | 200.0000% | 1,910 |
| Earnings coverage of net charge-offs (x) | 11.4503% | 2,096 |
| Efficiency ratio | 65.3431% | 2,612 |
| Assets per employee ($millions) | 4.2301% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 4,116 |
| Loan loss allowance to noncurrent loans | 114.9104% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 1,494 |
| Noncurrent loans to loans | 0.7594% | 1,983 |
| Net loans and leases to total assets | 81.9481% | 422 |
| Net loans and leases to deposits | 94.0530% | 961 |
| Net loans and leases to core deposits | 116.7585% | 507 |
| Total domestic deposits to total assets | 87.1296% | 1,567 |
| Equity capital to assets | 11.0268% | 2,318 |
| Core capital (leverage) ratio | 10.4147% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $502,447,333 | 1,488 |
| Average earning assets | $461,997,667 | 1,505 |
| Average equity | $56,396,667 | 1,494 |
| Average total loans | $416,215,333 | 1,285 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5966% | 302 |
| Cost of funding earning assets | 1.0935% | 1,066 |
| Net interest margin | 4.5030% | 499 |
| Noninterest income to average assets | 0.7057% | 1,632 |
| Noninterest expense to average assets | 3.3642% | 1,120 |
| Loan and lease loss provision to assets | 0.2947% | 1,050 |
| Net operating income to assets | 0.8645% | 2,638 |
| Return on assets (ROA) | 0.8645% | 2,742 |
| Pretax return on assets | 1.1697% | 2,305 |
| Return on Equity (ROE) | 7.6299% | 2,667 |
| Retained earnings to average equity (ytd only) | 7.6299% | 1,337 |
| Net charge-offs to loans | 0.0196% | 1,972 |
| Credit loss provision to net charge-offs | 1,810.0000% | 364 |
| Earnings coverage of net charge-offs (x) | 89.9500% | 622 |
| Efficiency ratio | 68.6446% | 2,563 |
| Assets per employee ($millions) | 4.3332% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,039 |
| Loan loss allowance to noncurrent loans | 49.8147% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.7203% | 562 |
| Noncurrent loans to loans | 1.8449% | 806 |
| Net loans and leases to total assets | 82.1486% | 424 |
| Net loans and leases to deposits | 94.7580% | 1,015 |
| Net loans and leases to core deposits | 119.7538% | 475 |
| Total domestic deposits to total assets | 86.6931% | 1,694 |
| Equity capital to assets | 11.3812% | 2,537 |
| Core capital (leverage) ratio | 10.6968% | 2,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $491,405,500 | 1,487 |
| Average earning assets | $449,919,500 | 1,493 |
| Average equity | $55,675,500 | 1,505 |
| Average total loans | $407,509,500 | 1,278 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7940% | 331 |
| Cost of funding earning assets | 1.2638% | 857 |
| Net interest margin | 4.5302% | 681 |
| Noninterest income to average assets | 0.8296% | 1,362 |
| Noninterest expense to average assets | 3.1769% | 1,575 |
| Loan and lease loss provision to assets | 0.2510% | 727 |
| Net operating income to assets | 1.2271% | 1,957 |
| Return on assets (ROA) | 1.2271% | 2,046 |
| Pretax return on assets | 1.5631% | 1,607 |
| Return on Equity (ROE) | 11.3049% | 1,769 |
| Retained earnings to average equity (ytd only) | 11.3049% | 296 |
| Net charge-offs to loans | 0.0882% | 1,858 |
| Credit loss provision to net charge-offs | 345.6897% | 809 |
| Earnings coverage of net charge-offs (x) | 24.9885% | 1,752 |
| Efficiency ratio | 62.6249% | 3,274 |
| Assets per employee ($millions) | 4.1078% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8440% | 4,173 |
| Loan loss allowance to noncurrent loans | 101.1528% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8418% | 1,524 |
| Noncurrent loans to loans | 0.8344% | 1,843 |
| Net loans and leases to total assets | 82.2443% | 527 |
| Net loans and leases to deposits | 94.7916% | 1,076 |
| Net loans and leases to core deposits | 120.4077% | 467 |
| Total domestic deposits to total assets | 86.7632% | 1,724 |
| Equity capital to assets | 11.2780% | 2,735 |
| Core capital (leverage) ratio | 10.2849% | 3,206 |
| Tier 1 risk-based capital ratio | 13.8238% | 3,355 |
| Total risk-based capital ratio | 14.7507% | 3,418 |
| Memoranda: | ||
| Average total assets | $479,359,800 | 1,476 |
| Average earning assets | $440,331,800 | 1,482 |
| Average equity | $52,030,400 | 1,542 |
| Average total loans | $394,394,600 | 1,283 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7858% | 358 |
| Cost of funding earning assets | 1.2583% | 887 |
| Net interest margin | 4.5275% | 724 |
| Noninterest income to average assets | 0.8307% | 1,327 |
| Noninterest expense to average assets | 3.2098% | 1,449 |
| Loan and lease loss provision to assets | 0.2211% | 775 |
| Net operating income to assets | 1.2511% | 2,013 |
| Return on assets (ROA) | 1.2511% | 2,093 |
| Pretax return on assets | 1.5636% | 1,769 |
| Return on Equity (ROE) | 11.6433% | 1,738 |
| Retained earnings to average equity (ytd only) | 11.6433% | 427 |
| Net charge-offs to loans | 0.0817% | 1,660 |
| Credit loss provision to net charge-offs | 329.5833% | 898 |
| Earnings coverage of net charge-offs (x) | 26.6043% | 1,734 |
| Efficiency ratio | 63.2360% | 3,121 |
| Assets per employee ($millions) | 4.2550% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 4,476 |
| Loan loss allowance to noncurrent loans | 213.7080% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 2,702 |
| Noncurrent loans to loans | 0.3628% | 3,252 |
| Net loans and leases to total assets | 81.5395% | 626 |
| Net loans and leases to deposits | 95.4780% | 1,077 |
| Net loans and leases to core deposits | 122.1858% | 467 |
| Total domestic deposits to total assets | 85.4013% | 2,256 |
| Equity capital to assets | 10.9724% | 3,114 |
| Core capital (leverage) ratio | 10.1077% | 3,526 |
| Tier 1 risk-based capital ratio | 13.5579% | 3,537 |
| Total risk-based capital ratio | 14.4150% | 3,665 |
| Memoranda: | ||
| Average total assets | $476,992,750 | 1,492 |
| Average earning assets | $438,674,500 | 1,493 |
| Average equity | $51,255,500 | 1,565 |
| Average total loans | $391,629,500 | 1,300 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7110% | 396 |
| Cost of funding earning assets | 1.2149% | 947 |
| Net interest margin | 4.4961% | 776 |
| Noninterest income to average assets | 0.7118% | 1,669 |
| Noninterest expense to average assets | 3.3108% | 1,265 |
| Loan and lease loss provision to assets | 0.2005% | 857 |
| Net operating income to assets | 1.0916% | 2,559 |
| Return on assets (ROA) | 1.0916% | 2,627 |
| Pretax return on assets | 1.3437% | 2,405 |
| Return on Equity (ROE) | 10.2332% | 2,278 |
| Retained earnings to average equity (ytd only) | 10.2332% | 697 |
| Net charge-offs to loans | 0.0242% | 2,365 |
| Credit loss provision to net charge-offs | 1,008.5106% | 339 |
| Earnings coverage of net charge-offs (x) | 77.6809% | 835 |
| Efficiency ratio | 67.1226% | 2,668 |
| Assets per employee ($millions) | 4.8244% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 4,606 |
| Loan loss allowance to noncurrent loans | 243.4146% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 2,798 |
| Noncurrent loans to loans | 0.3075% | 3,448 |
| Net loans and leases to total assets | 82.2896% | 561 |
| Net loans and leases to deposits | 97.9937% | 844 |
| Net loans and leases to core deposits | 124.5271% | 418 |
| Total domestic deposits to total assets | 83.9743% | 2,878 |
| Equity capital to assets | 10.7302% | 3,320 |
| Core capital (leverage) ratio | 10.0512% | 3,535 |
| Tier 1 risk-based capital ratio | 13.0475% | 3,814 |
| Total risk-based capital ratio | 13.8729% | 3,952 |
| Memoranda: | ||
| Average total assets | $472,881,670 | 1,505 |
| Average earning assets | $435,758,670 | 1,507 |
| Average equity | $50,443,670 | 1,580 |
| Average total loans | $388,135,330 | 1,309 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 414 |
| Cost of funding earning assets | 1.1574% | 1,023 |
| Net interest margin | 4.4623% | 800 |
| Noninterest income to average assets | 0.7118% | 1,570 |
| Noninterest expense to average assets | 3.2762% | 1,337 |
| Loan and lease loss provision to assets | 0.2025% | 787 |
| Net operating income to assets | 1.1160% | 2,407 |
| Return on assets (ROA) | 1.1160% | 2,456 |
| Pretax return on assets | 1.3544% | 2,248 |
| Return on Equity (ROE) | 10.4938% | 2,156 |
| Retained earnings to average equity (ytd only) | 10.4938% | 924 |
| Net charge-offs to loans | 0.0429% | 1,658 |
| Credit loss provision to net charge-offs | 578.0488% | 556 |
| Earnings coverage of net charge-offs (x) | 44.4390% | 1,091 |
| Efficiency ratio | 66.7079% | 2,832 |
| Assets per employee ($millions) | 4.9473% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 4,749 |
| Loan loss allowance to noncurrent loans | 195.9574% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 2,625 |
| Noncurrent loans to loans | 0.3648% | 3,271 |
| Net loans and leases to total assets | 80.7976% | 739 |
| Net loans and leases to deposits | 96.1986% | 946 |
| Net loans and leases to core deposits | 119.4547% | 542 |
| Total domestic deposits to total assets | 83.9904% | 3,046 |
| Equity capital to assets | 10.6226% | 3,236 |
| Core capital (leverage) ratio | 10.0816% | 3,515 |
| Tier 1 risk-based capital ratio | 13.0469% | 3,854 |
| Total risk-based capital ratio | 13.8339% | 3,995 |
| Memoranda: | ||
| Average total assets | $468,100,500 | 1,529 |
| Average earning assets | $432,331,500 | 1,528 |
| Average equity | $49,782,000 | 1,585 |
| Average total loans | $382,205,500 | 1,335 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 642 |
| Cost of funding earning assets | 1.0620% | 574 |
| Net interest margin | 4.1843% | 1,435 |
| Noninterest income to average assets | 0.5951% | 2,321 |
| Noninterest expense to average assets | 2.7904% | 2,726 |
| Loan and lease loss provision to assets | 0.2371% | 751 |
| Net operating income to assets | 1.1981% | 2,178 |
| Return on assets (ROA) | 1.1981% | 2,176 |
| Pretax return on assets | 1.4619% | 1,906 |
| Return on Equity (ROE) | 12.4503% | 1,563 |
| Retained earnings to average equity (ytd only) | 12.4503% | 282 |
| Net charge-offs to loans | 0.0662% | 2,171 |
| Credit loss provision to net charge-offs | 430.9392% | 783 |
| Earnings coverage of net charge-offs (x) | 30.8840% | 1,565 |
| Efficiency ratio | 61.8780% | 3,554 |
| Assets per employee ($millions) | 4.8066% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 4,844 |
| Loan loss allowance to noncurrent loans | 250.4390% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 2,843 |
| Noncurrent loans to loans | 0.2712% | 3,603 |
| Net loans and leases to total assets | 81.3419% | 763 |
| Net loans and leases to deposits | 97.1528% | 962 |
| Net loans and leases to core deposits | 120.2800% | 534 |
| Total domestic deposits to total assets | 83.7258% | 3,073 |
| Equity capital to assets | 10.6812% | 3,006 |
| Core capital (leverage) ratio | 9.7324% | 3,875 |
| Tier 1 risk-based capital ratio | 12.9024% | 3,900 |
| Total risk-based capital ratio | 13.6505% | 4,067 |
| Memoranda: | ||
| Average total assets | $329,023,400 | 1,998 |
| Average earning assets | $306,214,800 | 1,992 |
| Average equity | $31,661,800 | 2,241 |
| Average total loans | $273,554,600 | 1,708 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2161% | 611 |
| Cost of funding earning assets | 1.0591% | 466 |
| Net interest margin | 4.1570% | 1,478 |
| Noninterest income to average assets | 0.5479% | 2,577 |
| Noninterest expense to average assets | 2.6434% | 3,143 |
| Loan and lease loss provision to assets | 0.2501% | 630 |
| Net operating income to assets | 1.2417% | 2,074 |
| Return on assets (ROA) | 1.2417% | 2,082 |
| Pretax return on assets | 1.5360% | 1,786 |
| Return on Equity (ROE) | 13.4819% | 1,269 |
| Retained earnings to average equity (ytd only) | 13.4819% | 302 |
| Net charge-offs to loans | 0.0776% | 1,747 |
| Credit loss provision to net charge-offs | 385.4167% | 844 |
| Earnings coverage of net charge-offs (x) | 27.5271% | 1,701 |
| Efficiency ratio | 59.6786% | 3,854 |
| Assets per employee ($millions) | 4.7186% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9411% | 4,082 |
| Loan loss allowance to noncurrent loans | 757.6433% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 4,463 |
| Noncurrent loans to loans | 0.1242% | 4,332 |
| Net loans and leases to total assets | 81.6472% | 773 |
| Net loans and leases to deposits | 99.0362% | 856 |
| Net loans and leases to core deposits | 140.9808% | 204 |
| Total domestic deposits to total assets | 82.4417% | 3,478 |
| Equity capital to assets | 9.3639% | 4,215 |
| Core capital (leverage) ratio | 9.3462% | 4,342 |
| Tier 1 risk-based capital ratio | 13.2578% | 3,751 |
| Total risk-based capital ratio | 14.3564% | 3,753 |
| Memoranda: | ||
| Average total assets | $295,920,250 | 2,189 |
| Average earning assets | $276,315,000 | 2,168 |
| Average equity | $27,255,500 | 2,507 |
| Average total loans | $247,466,250 | 1,846 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 629 |
| Cost of funding earning assets | 0.9654% | 548 |
| Net interest margin | 4.1607% | 1,375 |
| Noninterest income to average assets | 0.5282% | 2,704 |
| Noninterest expense to average assets | 2.6847% | 3,067 |
| Loan and lease loss provision to assets | 0.2566% | 602 |
| Net operating income to assets | 1.1966% | 2,214 |
| Return on assets (ROA) | 1.1966% | 2,212 |
| Pretax return on assets | 1.4703% | 1,925 |
| Return on Equity (ROE) | 13.0682% | 1,349 |
| Retained earnings to average equity (ytd only) | 13.0682% | 371 |
| Net charge-offs to loans | 0.0122% | 2,727 |
| Credit loss provision to net charge-offs | 2,500.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 168.2667% | 476 |
| Efficiency ratio | 60.8561% | 3,786 |
| Assets per employee ($millions) | 5.5192% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 4,250 |
| Loan loss allowance to noncurrent loans | 541.3953% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 4,280 |
| Noncurrent loans to loans | 0.1700% | 4,147 |
| Net loans and leases to total assets | 82.5655% | 643 |
| Net loans and leases to deposits | 101.4668% | 701 |
| Net loans and leases to core deposits | 140.2124% | 191 |
| Total domestic deposits to total assets | 81.3720% | 3,900 |
| Equity capital to assets | 9.1216% | 4,460 |
| Core capital (leverage) ratio | 9.5307% | 4,083 |
| Tier 1 risk-based capital ratio | 12.4890% | 4,187 |
| Total risk-based capital ratio | 13.5395% | 4,195 |
| Memoranda: | ||
| Average total assets | $292,323,670 | 2,214 |
| Average earning assets | $272,836,670 | 2,200 |
| Average equity | $26,767,330 | 2,545 |
| Average total loans | $245,688,670 | 1,863 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0387% | 644 |
| Cost of funding earning assets | 0.8981% | 596 |
| Net interest margin | 4.1406% | 1,335 |
| Noninterest income to average assets | 0.5176% | 2,703 |
| Noninterest expense to average assets | 2.7233% | 2,962 |
| Loan and lease loss provision to assets | 0.2721% | 507 |
| Net operating income to assets | 1.1538% | 2,198 |
| Return on assets (ROA) | 1.1538% | 2,213 |
| Pretax return on assets | 1.4007% | 1,996 |
| Return on Equity (ROE) | 12.5748% | 1,388 |
| Retained earnings to average equity (ytd only) | 12.5748% | 585 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9486% | 3,795 |
| Assets per employee ($millions) | 4.9967% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8840% | 4,515 |
| Loan loss allowance to noncurrent loans | 399.8152% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 4,154 |
| Noncurrent loans to loans | 0.2211% | 3,987 |
| Net loans and leases to total assets | 83.6860% | 471 |
| Net loans and leases to deposits | 101.8208% | 591 |
| Net loans and leases to core deposits | 132.3259% | 297 |
| Total domestic deposits to total assets | 82.1895% | 3,905 |
| Equity capital to assets | 9.2248% | 4,338 |
| Core capital (leverage) ratio | 9.3294% | 4,282 |
| Tier 1 risk-based capital ratio | 12.5997% | 4,178 |
| Total risk-based capital ratio | 13.6196% | 4,219 |
| Memoranda: | ||
| Average total assets | $286,708,500 | 2,266 |
| Average earning assets | $268,560,000 | 2,242 |
| Average equity | $26,306,500 | 2,590 |
| Average total loans | $242,053,500 | 1,886 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 674 |
| Cost of funding earning assets | 0.6888% | 1,081 |
| Net interest margin | 4.2899% | 980 |
| Noninterest income to average assets | 0.6324% | 2,292 |
| Noninterest expense to average assets | 2.8304% | 2,677 |
| Loan and lease loss provision to assets | 0.2468% | 768 |
| Net operating income to assets | 0.9025% | 2,698 |
| Return on assets (ROA) | 0.9025% | 2,728 |
| Pretax return on assets | 1.5441% | 1,473 |
| Return on Equity (ROE) | 9.5441% | 2,084 |
| Retained earnings to average equity (ytd only) | 9.5441% | 415 |
| Net charge-offs to loans | 0.0196% | 3,450 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 108.8605% | 610 |
| Efficiency ratio | 61.2468% | 4,065 |
| Assets per employee ($millions) | 4.9756% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 4,765 |
| Loan loss allowance to noncurrent loans | 262.7503% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 3,830 |
| Noncurrent loans to loans | 0.3128% | 3,662 |
| Net loans and leases to total assets | 83.7235% | 475 |
| Net loans and leases to deposits | 103.3303% | 528 |
| Net loans and leases to core deposits | 135.2338% | 268 |
| Total domestic deposits to total assets | 81.0251% | 4,116 |
| Equity capital to assets | 9.1248% | 4,598 |
| Core capital (leverage) ratio | 9.2958% | 4,298 |
| Tier 1 risk-based capital ratio | 12.3203% | 4,314 |
| Total risk-based capital ratio | 13.2578% | 4,405 |
| Memoranda: | ||
| Average total assets | $261,379,000 | 2,404 |
| Average earning assets | $243,038,600 | 2,399 |
| Average equity | $24,716,800 | 2,694 |
| Average total loans | $219,865,800 | 1,999 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9446% | 689 |
| Cost of funding earning assets | 0.6459% | 1,266 |
| Net interest margin | 4.2987% | 927 |
| Noninterest income to average assets | 0.6609% | 2,158 |
| Noninterest expense to average assets | 2.8545% | 2,554 |
| Loan and lease loss provision to assets | 0.2580% | 660 |
| Net operating income to assets | 1.0570% | 2,299 |
| Return on assets (ROA) | 1.0570% | 2,335 |
| Pretax return on assets | 1.5406% | 1,616 |
| Return on Equity (ROE) | 11.0698% | 1,671 |
| Retained earnings to average equity (ytd only) | 11.0698% | 408 |
| Net charge-offs to loans | 0.0192% | 3,104 |
| Credit loss provision to net charge-offs | 1,596.7742% | 241 |
| Earnings coverage of net charge-offs (x) | 111.3288% | 650 |
| Efficiency ratio | 61.3463% | 3,990 |
| Assets per employee ($millions) | 4.9268% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 4,916 |
| Loan loss allowance to noncurrent loans | 491.9355% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 4,206 |
| Noncurrent loans to loans | 0.1608% | 4,418 |
| Net loans and leases to total assets | 83.1682% | 526 |
| Net loans and leases to deposits | 100.7933% | 691 |
| Net loans and leases to core deposits | 134.2189% | 281 |
| Total domestic deposits to total assets | 82.5137% | 3,622 |
| Equity capital to assets | 9.2490% | 4,689 |
| Core capital (leverage) ratio | 9.4636% | 4,211 |
| Tier 1 risk-based capital ratio | 12.2318% | 4,475 |
| Total risk-based capital ratio | 13.1095% | 4,597 |
| Memoranda: | ||
| Average total assets | $255,821,000 | 2,466 |
| Average earning assets | $237,586,250 | 2,462 |
| Average equity | $24,426,250 | 2,738 |
| Average total loans | $214,978,000 | 2,043 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 737 |
| Cost of funding earning assets | 0.6045% | 1,414 |
| Net interest margin | 4.2728% | 930 |
| Noninterest income to average assets | 0.6912% | 2,026 |
| Noninterest expense to average assets | 2.9222% | 2,354 |
| Loan and lease loss provision to assets | 0.2408% | 705 |
| Net operating income to assets | 1.0252% | 2,311 |
| Return on assets (ROA) | 1.0252% | 2,354 |
| Pretax return on assets | 1.4892% | 1,692 |
| Return on Equity (ROE) | 10.6141% | 1,789 |
| Retained earnings to average equity (ytd only) | 10.6141% | 492 |
| Net charge-offs to loans | 0.0134% | 2,988 |
| Credit loss provision to net charge-offs | 2,142.8571% | 199 |
| Earnings coverage of net charge-offs (x) | 153.9286% | 494 |
| Efficiency ratio | 62.8128% | 3,846 |
| Assets per employee ($millions) | 4.8429% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 5,079 |
| Loan loss allowance to noncurrent loans | 268.6179% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 3,758 |
| Noncurrent loans to loans | 0.2798% | 4,037 |
| Net loans and leases to total assets | 83.4191% | 495 |
| Net loans and leases to deposits | 101.8421% | 617 |
| Net loans and leases to core deposits | 137.4413% | 211 |
| Total domestic deposits to total assets | 81.9102% | 3,911 |
| Equity capital to assets | 9.4644% | 4,438 |
| Core capital (leverage) ratio | 9.7728% | 3,809 |
| Tier 1 risk-based capital ratio | 12.2757% | 4,440 |
| Total risk-based capital ratio | 13.0956% | 4,624 |
| Memoranda: | ||
| Average total assets | $249,127,670 | 2,524 |
| Average earning assets | $230,950,330 | 2,517 |
| Average equity | $24,062,330 | 2,779 |
| Average total loans | $209,540,000 | 2,091 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 710 |
| Cost of funding earning assets | 0.5792% | 1,517 |
| Net interest margin | 4.2466% | 890 |
| Noninterest income to average assets | 0.6273% | 2,284 |
| Noninterest expense to average assets | 2.9308% | 2,362 |
| Loan and lease loss provision to assets | 0.2470% | 614 |
| Net operating income to assets | 0.9599% | 2,478 |
| Return on assets (ROA) | 0.9599% | 2,537 |
| Pretax return on assets | 1.3847% | 1,936 |
| Return on Equity (ROE) | 9.8322% | 2,035 |
| Retained earnings to average equity (ytd only) | 9.8322% | 845 |
| Net charge-offs to loans | 0.0274% | 2,206 |
| Credit loss provision to net charge-offs | 1,071.4286% | 292 |
| Earnings coverage of net charge-offs (x) | 70.7857% | 716 |
| Efficiency ratio | 64.2367% | 3,791 |
| Assets per employee ($millions) | 4.6498% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 5,246 |
| Loan loss allowance to noncurrent loans | 301.6064% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 4,333 |
| Noncurrent loans to loans | 0.2418% | 4,241 |
| Net loans and leases to total assets | 82.9664% | 467 |
| Net loans and leases to deposits | 102.3523% | 481 |
| Net loans and leases to core deposits | 117.3675% | 543 |
| Total domestic deposits to total assets | 81.0597% | 4,405 |
| Equity capital to assets | 9.7485% | 4,020 |
| Core capital (leverage) ratio | 9.8712% | 3,661 |
| Tier 1 risk-based capital ratio | 12.8594% | 4,166 |
| Total risk-based capital ratio | 13.6640% | 4,341 |
| Memoranda: | ||
| Average total assets | $242,933,000 | 2,589 |
| Average earning assets | $225,120,000 | 2,600 |
| Average equity | $23,718,000 | 2,821 |
| Average total loans | $204,406,500 | 2,143 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 807 |
| Cost of funding earning assets | 0.5022% | 2,074 |
| Net interest margin | 4.3432% | 864 |
| Noninterest income to average assets | 0.6059% | 2,629 |
| Noninterest expense to average assets | 2.8206% | 2,956 |
| Loan and lease loss provision to assets | 0.2124% | 1,066 |
| Net operating income to assets | 1.0998% | 1,907 |
| Return on assets (ROA) | 1.0998% | 1,994 |
| Pretax return on assets | 1.6265% | 1,200 |
| Return on Equity (ROE) | 11.2798% | 1,476 |
| Retained earnings to average equity (ytd only) | 11.2798% | 278 |
| Net charge-offs to loans | 0.0509% | 3,025 |
| Credit loss provision to net charge-offs | 494.8454% | 670 |
| Earnings coverage of net charge-offs (x) | 42.8351% | 1,125 |
| Efficiency ratio | 60.5338% | 4,499 |
| Assets per employee ($millions) | 4.6947% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 5,408 |
| Loan loss allowance to noncurrent loans | 136.7367% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 3,515 |
| Noncurrent loans to loans | 0.4925% | 3,391 |
| Net loans and leases to total assets | 84.1523% | 373 |
| Net loans and leases to deposits | 104.1648% | 425 |
| Net loans and leases to core deposits | 139.0568% | 183 |
| Total domestic deposits to total assets | 80.7876% | 4,392 |
| Equity capital to assets | 9.7783% | 3,972 |
| Core capital (leverage) ratio | 9.9485% | 3,553 |
| Tier 1 risk-based capital ratio | 12.8519% | 4,166 |
| Total risk-based capital ratio | 13.6024% | 4,361 |
| Memoranda: | ||
| Average total assets | $225,943,200 | 2,700 |
| Average earning assets | $210,881,200 | 2,691 |
| Average equity | $22,030,600 | 2,982 |
| Average total loans | $190,481,200 | 2,206 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 823 |
| Cost of funding earning assets | 0.4869% | 2,202 |
| Net interest margin | 4.3542% | 839 |
| Noninterest income to average assets | 0.6008% | 2,653 |
| Noninterest expense to average assets | 2.8419% | 2,860 |
| Loan and lease loss provision to assets | 0.1977% | 1,076 |
| Net operating income to assets | 1.1046% | 1,979 |
| Return on assets (ROA) | 1.1046% | 2,083 |
| Pretax return on assets | 1.6324% | 1,299 |
| Return on Equity (ROE) | 11.3377% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.3377% | 382 |
| Net charge-offs to loans | 0.0192% | 3,322 |
| Credit loss provision to net charge-offs | 1,222.2222% | 343 |
| Earnings coverage of net charge-offs (x) | 113.1453% | 600 |
| Efficiency ratio | 60.8283% | 4,422 |
| Assets per employee ($millions) | 4.9326% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 5,517 |
| Loan loss allowance to noncurrent loans | 174.7283% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 3,993 |
| Noncurrent loans to loans | 0.3755% | 3,920 |
| Net loans and leases to total assets | 83.9917% | 412 |
| Net loans and leases to deposits | 104.3359% | 437 |
| Net loans and leases to core deposits | 133.2626% | 257 |
| Total domestic deposits to total assets | 80.5012% | 4,388 |
| Equity capital to assets | 9.8158% | 4,342 |
| Core capital (leverage) ratio | 9.9277% | 3,664 |
| Tier 1 risk-based capital ratio | 12.4070% | 4,530 |
| Total risk-based capital ratio | 12.9343% | 4,891 |
| Memoranda: | ||
| Average total assets | $222,571,750 | 2,741 |
| Average earning assets | $208,101,250 | 2,723 |
| Average equity | $21,685,250 | 3,033 |
| Average total loans | $187,388,750 | 2,235 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7766% | 927 |
| Cost of funding earning assets | 0.4734% | 2,333 |
| Net interest margin | 4.3032% | 918 |
| Noninterest income to average assets | 0.4993% | 3,197 |
| Noninterest expense to average assets | 2.8640% | 2,793 |
| Loan and lease loss provision to assets | 0.1914% | 1,133 |
| Net operating income to assets | 0.9777% | 2,482 |
| Return on assets (ROA) | 0.9777% | 2,628 |
| Pretax return on assets | 1.4698% | 1,775 |
| Return on Equity (ROE) | 10.0617% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.0617% | 584 |
| Net charge-offs to loans | 0.0065% | 3,461 |
| Credit loss provision to net charge-offs | 3,500.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 303.8333% | 222 |
| Efficiency ratio | 63.2904% | 4,138 |
| Assets per employee ($millions) | 4.8266% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6134% | 5,662 |
| Loan loss allowance to noncurrent loans | 189.3142% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,199 |
| Noncurrent loans to loans | 0.3240% | 4,207 |
| Net loans and leases to total assets | 84.7825% | 359 |
| Net loans and leases to deposits | 105.9138% | 369 |
| Net loans and leases to core deposits | 133.1003% | 264 |
| Total domestic deposits to total assets | 80.0486% | 4,527 |
| Equity capital to assets | 9.6808% | 4,570 |
| Core capital (leverage) ratio | 9.8191% | 3,787 |
| Tier 1 risk-based capital ratio | 12.3158% | 4,635 |
| Total risk-based capital ratio | 12.8026% | 5,010 |
| Memoranda: | ||
| Average total assets | $219,485,670 | 2,776 |
| Average earning assets | $205,336,000 | 2,758 |
| Average equity | $21,328,330 | 3,067 |
| Average total loans | $184,517,000 | 2,269 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 1,018 |
| Cost of funding earning assets | 0.4593% | 2,471 |
| Net interest margin | 4.2548% | 988 |
| Noninterest income to average assets | 0.3744% | 4,040 |
| Noninterest expense to average assets | 2.8989% | 2,710 |
| Loan and lease loss provision to assets | 0.1946% | 1,020 |
| Net operating income to assets | 0.8397% | 3,034 |
| Return on assets (ROA) | 0.8397% | 3,168 |
| Pretax return on assets | 1.2641% | 2,451 |
| Return on Equity (ROE) | 8.6236% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.6236% | 1,222 |
| Net charge-offs to loans | 0.0089% | 2,826 |
| Credit loss provision to net charge-offs | 2,625.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 196.7500% | 306 |
| Efficiency ratio | 66.5249% | 3,714 |
| Assets per employee ($millions) | 4.7952% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 5,771 |
| Loan loss allowance to noncurrent loans | 198.8991% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 3,739 |
| Noncurrent loans to loans | 0.2922% | 4,385 |
| Net loans and leases to total assets | 84.0579% | 367 |
| Net loans and leases to deposits | 106.0788% | 339 |
| Net loans and leases to core deposits | 132.2082% | 242 |
| Total domestic deposits to total assets | 79.2410% | 4,916 |
| Equity capital to assets | 9.6451% | 4,510 |
| Core capital (leverage) ratio | 9.9000% | 3,659 |
| Tier 1 risk-based capital ratio | 12.1732% | 4,797 |
| Total risk-based capital ratio | 12.6107% | 5,208 |
| Memoranda: | ||
| Average total assets | $215,803,000 | 2,825 |
| Average earning assets | $202,033,000 | 2,801 |
| Average equity | $21,012,000 | 3,099 |
| Average total loans | $180,017,000 | 2,310 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7653% | 981 |
| Cost of funding earning assets | 0.4143% | 3,002 |
| Net interest margin | 4.3510% | 874 |
| Noninterest income to average assets | 0.5454% | 3,038 |
| Noninterest expense to average assets | 3.1114% | 2,201 |
| Loan and lease loss provision to assets | 0.1588% | 1,461 |
| Net operating income to assets | 0.8956% | 2,900 |
| Return on assets (ROA) | 0.8956% | 2,980 |
| Pretax return on assets | 1.3235% | 2,184 |
| Return on Equity (ROE) | 8.2137% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.2137% | 847 |
| Net charge-offs to loans | 0.0315% | 3,589 |
| Credit loss provision to net charge-offs | 600.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 923 |
| Efficiency ratio | 67.7311% | 3,615 |
| Assets per employee ($millions) | 4.5875% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5665% | 5,845 |
| Loan loss allowance to noncurrent loans | 105.5854% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 3,672 |
| Noncurrent loans to loans | 0.5365% | 3,554 |
| Net loans and leases to total assets | 81.7682% | 620 |
| Net loans and leases to deposits | 104.5535% | 414 |
| Net loans and leases to core deposits | 127.5054% | 306 |
| Total domestic deposits to total assets | 78.2071% | 5,123 |
| Equity capital to assets | 9.8324% | 4,156 |
| Core capital (leverage) ratio | 10.8973% | 2,494 |
| Tier 1 risk-based capital ratio | 12.6715% | 4,525 |
| Total risk-based capital ratio | 13.0766% | 4,973 |
| Memoranda: | ||
| Average total assets | $181,331,600 | 3,148 |
| Average earning assets | $168,718,400 | 3,140 |
| Average equity | $19,771,800 | 3,193 |
| Average total loans | $152,216,000 | 2,566 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 829 |
| Cost of funding earning assets | 0.4205% | 3,007 |
| Net interest margin | 4.4429% | 732 |
| Noninterest income to average assets | 0.5819% | 2,838 |
| Noninterest expense to average assets | 3.1840% | 2,010 |
| Loan and lease loss provision to assets | 0.1656% | 1,282 |
| Net operating income to assets | 0.9108% | 2,910 |
| Return on assets (ROA) | 0.9108% | 3,002 |
| Pretax return on assets | 1.3555% | 2,196 |
| Return on Equity (ROE) | 8.1114% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.1114% | 1,208 |
| Net charge-offs to loans | 0.0436% | 3,021 |
| Credit loss provision to net charge-offs | 450.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 41.3323% | 1,214 |
| Efficiency ratio | 67.6715% | 3,602 |
| Assets per employee ($millions) | 4.2324% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5956% | 5,903 |
| Loan loss allowance to noncurrent loans | 96.6066% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 3,554 |
| Noncurrent loans to loans | 0.6165% | 3,467 |
| Net loans and leases to total assets | 83.5460% | 422 |
| Net loans and leases to deposits | 101.4235% | 583 |
| Net loans and leases to core deposits | 116.3952% | 572 |
| Total domestic deposits to total assets | 82.3734% | 4,037 |
| Equity capital to assets | 11.1236% | 2,884 |
| Core capital (leverage) ratio | 11.4952% | 2,045 |
| Tier 1 risk-based capital ratio | 13.7896% | 3,973 |
| Total risk-based capital ratio | 14.1923% | 4,385 |
| Memoranda: | ||
| Average total assets | $173,907,750 | 3,275 |
| Average earning assets | $161,393,000 | 3,264 |
| Average equity | $19,527,500 | 3,248 |
| Average total loans | $146,886,000 | 2,647 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 747 |
| Cost of funding earning assets | 0.4173% | 3,067 |
| Net interest margin | 4.4730% | 669 |
| Noninterest income to average assets | 0.5268% | 3,189 |
| Noninterest expense to average assets | 3.2392% | 1,869 |
| Loan and lease loss provision to assets | 0.1682% | 1,242 |
| Net operating income to assets | 0.8714% | 3,038 |
| Return on assets (ROA) | 0.8714% | 3,140 |
| Pretax return on assets | 1.2639% | 2,492 |
| Return on Equity (ROE) | 7.7351% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.7351% | 1,372 |
| Net charge-offs to loans | 0.0469% | 2,762 |
| Credit loss provision to net charge-offs | 423.5294% | 710 |
| Earnings coverage of net charge-offs (x) | 36.0588% | 1,207 |
| Efficiency ratio | 69.3423% | 3,437 |
| Assets per employee ($millions) | 4.1227% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 5,996 |
| Loan loss allowance to noncurrent loans | 80.0188% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 3,568 |
| Noncurrent loans to loans | 0.7291% | 3,294 |
| Net loans and leases to total assets | 83.9420% | 379 |
| Net loans and leases to deposits | 100.4686% | 623 |
| Net loans and leases to core deposits | 114.7598% | 635 |
| Total domestic deposits to total assets | 83.5505% | 3,740 |
| Equity capital to assets | 11.3806% | 2,509 |
| Core capital (leverage) ratio | 11.5768% | 1,944 |
| Tier 1 risk-based capital ratio | 14.2463% | 3,795 |
| Total risk-based capital ratio | 14.6311% | 4,218 |
| Memoranda: | ||
| Average total assets | $171,213,000 | 3,327 |
| Average earning assets | $158,641,330 | 3,315 |
| Average equity | $19,288,670 | 3,288 |
| Average total loans | $144,862,000 | 2,683 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 775 |
| Cost of funding earning assets | 0.4159% | 3,130 |
| Net interest margin | 4.4377% | 674 |
| Noninterest income to average assets | 0.4887% | 3,357 |
| Noninterest expense to average assets | 3.2401% | 1,871 |
| Loan and lease loss provision to assets | 0.1692% | 1,181 |
| Net operating income to assets | 0.8294% | 3,120 |
| Return on assets (ROA) | 0.8294% | 3,244 |
| Pretax return on assets | 1.1912% | 2,708 |
| Return on Equity (ROE) | 7.4004% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.4004% | 1,809 |
| Net charge-offs to loans | 0.0028% | 3,225 |
| Credit loss provision to net charge-offs | 7,200.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 579.0000% | 92 |
| Efficiency ratio | 70.4290% | 3,405 |
| Assets per employee ($millions) | 4.1655% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5613% | 6,104 |
| Loan loss allowance to noncurrent loans | 115.7895% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 4,380 |
| Noncurrent loans to loans | 0.4847% | 4,123 |
| Net loans and leases to total assets | 84.4401% | 284 |
| Net loans and leases to deposits | 102.5566% | 432 |
| Net loans and leases to core deposits | 118.7635% | 437 |
| Total domestic deposits to total assets | 82.3351% | 4,403 |
| Equity capital to assets | 11.3072% | 2,641 |
| Core capital (leverage) ratio | 11.2947% | 2,159 |
| Tier 1 risk-based capital ratio | 13.9856% | 4,031 |
| Total risk-based capital ratio | 14.3441% | 4,477 |
| Memoranda: | ||
| Average total assets | $170,242,500 | 3,362 |
| Average earning assets | $157,740,000 | 3,353 |
| Average equity | $19,080,000 | 3,330 |
| Average total loans | $144,192,000 | 2,705 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 812 |
| Cost of funding earning assets | 0.4576% | 3,097 |
| Net interest margin | 4.5180% | 722 |
| Noninterest income to average assets | 0.5907% | 2,913 |
| Noninterest expense to average assets | 3.4587% | 1,581 |
| Loan and lease loss provision to assets | 0.1233% | 2,124 |
| Net operating income to assets | 0.8019% | 3,358 |
| Return on assets (ROA) | 0.8019% | 3,459 |
| Pretax return on assets | 1.1672% | 2,793 |
| Return on Equity (ROE) | 6.9507% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.9507% | 1,434 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8268% | 3,065 |
| Assets per employee ($millions) | 4.0405% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5183% | 6,236 |
| Loan loss allowance to noncurrent loans | 106.4470% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 4,408 |
| Noncurrent loans to loans | 0.4869% | 4,203 |
| Net loans and leases to total assets | 84.0401% | 341 |
| Net loans and leases to deposits | 103.2753% | 462 |
| Net loans and leases to core deposits | 123.5659% | 330 |
| Total domestic deposits to total assets | 81.3748% | 4,631 |
| Equity capital to assets | 11.1072% | 2,797 |
| Core capital (leverage) ratio | 11.1096% | 2,304 |
| Tier 1 risk-based capital ratio | 14.1312% | 4,014 |
| Total risk-based capital ratio | 14.4483% | 4,515 |
| Memoranda: | ||
| Average total assets | $155,753,800 | 3,556 |
| Average earning assets | $143,361,200 | 3,549 |
| Average equity | $17,969,400 | 3,400 |
| Average total loans | $129,269,400 | 2,884 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 797 |
| Cost of funding earning assets | 0.4636% | 3,117 |
| Net interest margin | 4.5148% | 717 |
| Noninterest income to average assets | 0.6112% | 2,800 |
| Noninterest expense to average assets | 3.4596% | 1,553 |
| Loan and lease loss provision to assets | 0.1261% | 1,983 |
| Net operating income to assets | 0.8108% | 3,377 |
| Return on assets (ROA) | 0.8108% | 3,474 |
| Pretax return on assets | 1.1698% | 2,911 |
| Return on Equity (ROE) | 6.9559% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.9559% | 1,839 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7490% | 3,053 |
| Assets per employee ($millions) | 3.8444% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5114% | 6,326 |
| Loan loss allowance to noncurrent loans | 96.2604% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 4,565 |
| Noncurrent loans to loans | 0.5313% | 4,344 |
| Net loans and leases to total assets | 83.7389% | 348 |
| Net loans and leases to deposits | 100.6798% | 577 |
| Net loans and leases to core deposits | 122.4974% | 337 |
| Total domestic deposits to total assets | 83.1734% | 4,071 |
| Equity capital to assets | 11.3950% | 2,589 |
| Core capital (leverage) ratio | 11.4359% | 2,115 |
| Tier 1 risk-based capital ratio | 14.2218% | 4,068 |
| Total risk-based capital ratio | 14.5106% | 4,629 |
| Memoranda: | ||
| Average total assets | $152,267,250 | 3,620 |
| Average earning assets | $139,774,250 | 3,634 |
| Average equity | $17,749,500 | 3,446 |
| Average total loans | $125,747,000 | 2,963 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 881 |
| Cost of funding earning assets | 0.4660% | 3,149 |
| Net interest margin | 4.4521% | 774 |
| Noninterest income to average assets | 0.5952% | 2,842 |
| Noninterest expense to average assets | 3.4356% | 1,602 |
| Loan and lease loss provision to assets | 0.1287% | 1,918 |
| Net operating income to assets | 0.7654% | 3,486 |
| Return on assets (ROA) | 0.7654% | 3,594 |
| Pretax return on assets | 1.1166% | 3,025 |
| Return on Equity (ROE) | 6.5134% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.5134% | 2,026 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3963% | 3,088 |
| Assets per employee ($millions) | 3.7420% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4972% | 6,415 |
| Loan loss allowance to noncurrent loans | 51.7600% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 3,577 |
| Noncurrent loans to loans | 0.9606% | 3,320 |
| Net loans and leases to total assets | 82.3825% | 434 |
| Net loans and leases to deposits | 101.4798% | 482 |
| Net loans and leases to core deposits | 122.4642% | 330 |
| Total domestic deposits to total assets | 81.1812% | 4,924 |
| Equity capital to assets | 11.4360% | 2,482 |
| Core capital (leverage) ratio | 11.4805% | 2,018 |
| Tier 1 risk-based capital ratio | 14.8095% | 3,749 |
| Total risk-based capital ratio | 15.0779% | 4,326 |
| Memoranda: | ||
| Average total assets | $149,201,330 | 3,690 |
| Average earning assets | $136,923,000 | 3,692 |
| Average equity | $17,533,000 | 3,472 |
| Average total loans | $122,361,330 | 3,021 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8730% | 909 |
| Cost of funding earning assets | 0.4783% | 3,136 |
| Net interest margin | 4.3947% | 813 |
| Noninterest income to average assets | 0.5206% | 3,263 |
| Noninterest expense to average assets | 3.4485% | 1,594 |
| Loan and lease loss provision to assets | 0.1322% | 1,834 |
| Net operating income to assets | 0.6280% | 4,052 |
| Return on assets (ROA) | 0.6280% | 4,137 |
| Pretax return on assets | 0.9640% | 3,465 |
| Return on Equity (ROE) | 5.2677% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.2677% | 2,949 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8788% | 2,825 |
| Assets per employee ($millions) | 3.6908% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4973% | 6,507 |
| Loan loss allowance to noncurrent loans | 605.0505% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 6,071 |
| Noncurrent loans to loans | 0.0822% | 5,895 |
| Net loans and leases to total assets | 81.1874% | 435 |
| Net loans and leases to deposits | 98.2821% | 522 |
| Net loans and leases to core deposits | 118.0160% | 363 |
| Total domestic deposits to total assets | 82.6065% | 4,750 |
| Equity capital to assets | 11.8573% | 1,975 |
| Core capital (leverage) ratio | 11.9427% | 1,683 |
| Tier 1 risk-based capital ratio | 15.7438% | 3,306 |
| Total risk-based capital ratio | 15.9929% | 3,809 |
| Memoranda: | ||
| Average total assets | $145,221,000 | 3,783 |
| Average earning assets | $132,977,000 | 3,785 |
| Average equity | $17,313,000 | 3,505 |
| Average total loans | $118,481,500 | 3,101 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 730 |
| Cost of funding earning assets | 0.5101% | 3,497 |
| Net interest margin | 4.6231% | 582 |
| Noninterest income to average assets | 0.7170% | 2,454 |
| Noninterest expense to average assets | 3.8539% | 1,051 |
| Loan and lease loss provision to assets | 0.1353% | 2,619 |
| Net operating income to assets | 0.6734% | 3,925 |
| Return on assets (ROA) | 0.6734% | 4,025 |
| Pretax return on assets | 0.9635% | 3,502 |
| Return on Equity (ROE) | 5.1948% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.1948% | 2,478 |
| Net charge-offs to loans | -0.0028% | 5,875 |
| Credit loss provision to net charge-offs | -5,800.0000% | 6,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8144% | 2,497 |
| Assets per employee ($millions) | 3.7582% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4729% | 6,592 |
| Loan loss allowance to noncurrent loans | 556.5657% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 6,142 |
| Noncurrent loans to loans | 0.0850% | 5,961 |
| Net loans and leases to total assets | 81.1949% | 476 |
| Net loans and leases to deposits | 101.9958% | 400 |
| Net loans and leases to core deposits | 120.2240% | 325 |
| Total domestic deposits to total assets | 79.6061% | 5,529 |
| Equity capital to assets | 11.9885% | 1,813 |
| Core capital (leverage) ratio | 12.1404% | 1,522 |
| Tier 1 risk-based capital ratio | 16.0378% | 3,078 |
| Total risk-based capital ratio | 16.2515% | 3,607 |
| Memoranda: | ||
| Average total assets | $128,597,000 | 4,096 |
| Average earning assets | $117,821,400 | 4,092 |
| Average equity | $16,670,600 | 3,600 |
| Average total loans | $105,493,600 | 3,332 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 665 |
| Cost of funding earning assets | 0.5123% | 3,645 |
| Net interest margin | 4.6760% | 538 |
| Noninterest income to average assets | 0.7752% | 2,259 |
| Noninterest expense to average assets | 3.9580% | 896 |
| Loan and lease loss provision to assets | 0.1312% | 2,645 |
| Net operating income to assets | 0.6739% | 3,990 |
| Return on assets (ROA) | 0.6739% | 4,137 |
| Pretax return on assets | 0.9682% | 3,621 |
| Return on Equity (ROE) | 5.0891% | 4,681 |
| Retained earnings to average equity (ytd only) | 5.0891% | 3,013 |
| Net charge-offs to loans | -0.0052% | 5,785 |
| Credit loss provision to net charge-offs | -3,075.0000% | 6,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2627% | 2,382 |
| Assets per employee ($millions) | 3.6701% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4516% | 6,687 |
| Loan loss allowance to noncurrent loans | 486.4078% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 6,202 |
| Noncurrent loans to loans | 0.0928% | 6,057 |
| Net loans and leases to total assets | 83.5822% | 272 |
| Net loans and leases to deposits | 107.5747% | 202 |
| Net loans and leases to core deposits | 121.0649% | 304 |
| Total domestic deposits to total assets | 77.6969% | 5,948 |
| Equity capital to assets | 12.7659% | 1,441 |
| Core capital (leverage) ratio | 12.8954% | 1,242 |
| Tier 1 risk-based capital ratio | 16.1322% | 3,112 |
| Total risk-based capital ratio | 16.3036% | 3,671 |
| Memoranda: | ||
| Average total assets | $125,043,250 | 4,203 |
| Average earning assets | $114,511,250 | 4,214 |
| Average equity | $16,558,000 | 3,663 |
| Average total loans | $102,740,250 | 3,409 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 594 |
| Cost of funding earning assets | 0.5147% | 3,758 |
| Net interest margin | 4.7191% | 491 |
| Noninterest income to average assets | 0.7124% | 2,580 |
| Noninterest expense to average assets | 4.1359% | 750 |
| Loan and lease loss provision to assets | 0.1174% | 2,858 |
| Net operating income to assets | 0.5266% | 4,681 |
| Return on assets (ROA) | 0.5266% | 4,850 |
| Pretax return on assets | 0.7792% | 4,391 |
| Return on Equity (ROE) | 3.9259% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.9259% | 3,792 |
| Net charge-offs to loans | -0.0080% | 5,725 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1833% | 1,861 |
| Assets per employee ($millions) | 3.5095% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4316% | 6,752 |
| Loan loss allowance to noncurrent loans | 625.0000% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 6,178 |
| Noncurrent loans to loans | 0.0691% | 6,188 |
| Net loans and leases to total assets | 82.1610% | 348 |
| Net loans and leases to deposits | 103.6465% | 272 |
| Net loans and leases to core deposits | 115.5781% | 401 |
| Total domestic deposits to total assets | 79.2704% | 5,759 |
| Equity capital to assets | 13.1343% | 1,293 |
| Core capital (leverage) ratio | 13.1905% | 1,100 |
| Tier 1 risk-based capital ratio | 16.3613% | 3,001 |
| Total risk-based capital ratio | 16.4890% | 3,592 |
| Memoranda: | ||
| Average total assets | $122,682,670 | 4,285 |
| Average earning assets | $112,309,330 | 4,284 |
| Average equity | $16,455,000 | 3,704 |
| Average total loans | $100,009,000 | 3,494 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1948% | 610 |
| Cost of funding earning assets | 0.5245% | 3,844 |
| Net interest margin | 4.6703% | 501 |
| Noninterest income to average assets | 0.7083% | 2,545 |
| Noninterest expense to average assets | 4.1637% | 744 |
| Loan and lease loss provision to assets | 0.1192% | 2,744 |
| Net operating income to assets | 0.5097% | 4,607 |
| Return on assets (ROA) | 0.5097% | 4,756 |
| Pretax return on assets | 0.6984% | 4,590 |
| Return on Equity (ROE) | 3.7594% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.7594% | 3,981 |
| Net charge-offs to loans | -0.0041% | 5,231 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5880% | 1,821 |
| Assets per employee ($millions) | 3.2719% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4153% | 6,842 |
| Loan loss allowance to noncurrent loans | 513.7500% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 6,217 |
| Noncurrent loans to loans | 0.0808% | 6,242 |
| Net loans and leases to total assets | 81.4173% | 315 |
| Net loans and leases to deposits | 100.4750% | 330 |
| Net loans and leases to core deposits | 111.1032% | 461 |
| Total domestic deposits to total assets | 81.0324% | 5,488 |
| Equity capital to assets | 13.6239% | 1,170 |
| Core capital (leverage) ratio | 13.5752% | 918 |
| Tier 1 risk-based capital ratio | 17.0523% | 2,723 |
| Total risk-based capital ratio | 17.1467% | 3,290 |
| Memoranda: | ||
| Average total assets | $120,853,500 | 4,379 |
| Average earning assets | $110,571,500 | 4,361 |
| Average equity | $16,385,500 | 3,754 |
| Average total loans | $97,887,000 | 3,568 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3352% | 857 |
| Cost of funding earning assets | 0.6655% | 3,782 |
| Net interest margin | 4.6696% | 690 |
| Noninterest income to average assets | 1.0237% | 1,469 |
| Noninterest expense to average assets | 4.2556% | 714 |
| Loan and lease loss provision to assets | 0.1077% | 4,290 |
| Net operating income to assets | 0.6303% | 4,084 |
| Return on assets (ROA) | 0.6370% | 4,317 |
| Pretax return on assets | 0.9322% | 3,802 |
| Return on Equity (ROE) | 4.4957% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.4957% | 3,069 |
| Net charge-offs to loans | -0.0101% | 6,464 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5126% | 2,085 |
| Assets per employee ($millions) | 3.2608% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3864% | 6,905 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 6,311 |
| Noncurrent loans to loans | 0.1364% | 6,141 |
| Net loans and leases to total assets | 79.9234% | 482 |
| Net loans and leases to deposits | 99.1802% | 448 |
| Net loans and leases to core deposits | 103.0313% | 835 |
| Total domestic deposits to total assets | 80.5840% | 5,514 |
| Equity capital to assets | 13.4921% | 1,234 |
| Core capital (leverage) ratio | 13.4424% | 967 |
| Tier 1 risk-based capital ratio | 16.6035% | 2,838 |
| Total risk-based capital ratio | 16.6588% | 3,444 |
| Memoranda: | ||
| Average total assets | $111,454,000 | 4,559 |
| Average earning assets | $101,721,200 | 4,557 |
| Average equity | $15,793,000 | 3,811 |
| Average total loans | $89,204,400 | 3,764 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3767% | 875 |
| Cost of funding earning assets | 0.6893% | 3,860 |
| Net interest margin | 4.6874% | 688 |
| Noninterest income to average assets | 1.0517% | 1,373 |
| Noninterest expense to average assets | 4.2654% | 678 |
| Loan and lease loss provision to assets | 0.1099% | 4,197 |
| Net operating income to assets | 0.6570% | 4,105 |
| Return on assets (ROA) | 0.6620% | 4,350 |
| Pretax return on assets | 0.9613% | 3,867 |
| Return on Equity (ROE) | 4.6112% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.6112% | 3,659 |
| Net charge-offs to loans | -0.0183% | 6,482 |
| Credit loss provision to net charge-offs | -750.0000% | 6,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0367% | 2,088 |
| Assets per employee ($millions) | 2.9917% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3900% | 7,014 |
| Loan loss allowance to noncurrent loans | 99.7126% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 5,909 |
| Noncurrent loans to loans | 0.3911% | 5,676 |
| Net loans and leases to total assets | 80.0620% | 500 |
| Net loans and leases to deposits | 97.0647% | 595 |
| Net loans and leases to core deposits | 100.7870% | 1,064 |
| Total domestic deposits to total assets | 82.4831% | 4,840 |
| Equity capital to assets | 14.5059% | 968 |
| Core capital (leverage) ratio | 14.4363% | 725 |
| Tier 1 risk-based capital ratio | 17.6174% | 2,488 |
| Total risk-based capital ratio | 17.6471% | 3,031 |
| Memoranda: | ||
| Average total assets | $109,155,500 | 4,663 |
| Average earning assets | $99,612,250 | 4,651 |
| Average equity | $15,671,750 | 3,868 |
| Average total loans | $87,305,500 | 3,853 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3207% | 1,004 |
| Cost of funding earning assets | 0.7062% | 3,964 |
| Net interest margin | 4.6145% | 801 |
| Noninterest income to average assets | 0.9591% | 1,583 |
| Noninterest expense to average assets | 4.2451% | 697 |
| Loan and lease loss provision to assets | 0.1105% | 4,144 |
| Net operating income to assets | 0.5407% | 4,624 |
| Return on assets (ROA) | 0.5467% | 4,877 |
| Pretax return on assets | 0.8229% | 4,393 |
| Return on Equity (ROE) | 3.8216% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.8216% | 4,070 |
| Net charge-offs to loans | -0.0300% | 6,523 |
| Credit loss provision to net charge-offs | -461.5385% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1225% | 1,863 |
| Assets per employee ($millions) | 2.9571% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 7,094 |
| Loan loss allowance to noncurrent loans | 108.1633% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 6,104 |
| Noncurrent loans to loans | 0.3371% | 5,872 |
| Net loans and leases to total assets | 79.4271% | 570 |
| Net loans and leases to deposits | 96.1040% | 626 |
| Net loans and leases to core deposits | 99.2474% | 1,151 |
| Total domestic deposits to total assets | 82.6471% | 4,890 |
| Equity capital to assets | 14.3925% | 950 |
| Core capital (leverage) ratio | 14.3176% | 733 |
| Tier 1 risk-based capital ratio | 18.2344% | 2,217 |
| Total risk-based capital ratio | 18.2321% | 2,634 |
| Memoranda: | ||
| Average total assets | $108,643,000 | 4,704 |
| Average earning assets | $99,121,670 | 4,690 |
| Average equity | $15,543,330 | 3,879 |
| Average total loans | $86,750,670 | 3,886 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3908% | 927 |
| Cost of funding earning assets | 0.7458% | 3,895 |
| Net interest margin | 4.6450% | 754 |
| Noninterest income to average assets | 0.9089% | 1,708 |
| Noninterest expense to average assets | 4.1641% | 776 |
| Loan and lease loss provision to assets | 0.1108% | 3,965 |
| Net operating income to assets | 0.6318% | 4,211 |
| Return on assets (ROA) | 0.6318% | 4,420 |
| Pretax return on assets | 0.8683% | 4,162 |
| Return on Equity (ROE) | 4.4296% | 5,080 |
| Retained earnings to average equity (ytd only) | 4.4296% | 3,939 |
| Net charge-offs to loans | -0.0555% | 6,570 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9626% | 2,084 |
| Assets per employee ($millions) | 3.1171% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3329% | 7,159 |
| Loan loss allowance to noncurrent loans | 367.9487% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 6,705 |
| Noncurrent loans to loans | 0.0905% | 6,532 |
| Net loans and leases to total assets | 78.7470% | 520 |
| Net loans and leases to deposits | 95.1576% | 588 |
| Net loans and leases to core deposits | 98.5523% | 1,088 |
| Total domestic deposits to total assets | 82.7544% | 5,025 |
| Equity capital to assets | 14.2612% | 933 |
| Core capital (leverage) ratio | 14.1815% | 756 |
| Tier 1 risk-based capital ratio | 17.6952% | 2,406 |
| Total risk-based capital ratio | 17.6575% | 2,917 |
| Memoranda: | ||
| Average total assets | $108,259,000 | 4,746 |
| Average earning assets | $98,687,500 | 4,722 |
| Average equity | $15,441,500 | 3,904 |
| Average total loans | $86,516,000 | 3,921 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 1,118 |
| Cost of funding earning assets | 0.8821% | 4,241 |
| Net interest margin | 4.6389% | 854 |
| Noninterest income to average assets | 0.9935% | 1,386 |
| Noninterest expense to average assets | 4.1911% | 817 |
| Loan and lease loss provision to assets | 0.0489% | 5,975 |
| Net operating income to assets | 0.7259% | 3,351 |
| Return on assets (ROA) | 0.7302% | 3,512 |
| Pretax return on assets | 0.9954% | 3,258 |
| Return on Equity (ROE) | 5.0260% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.0260% | 2,621 |
| Net charge-offs to loans | -0.0127% | 6,909 |
| Credit loss provision to net charge-offs | -500.0000% | 6,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2439% | 2,408 |
| Assets per employee ($millions) | 2.9838% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2822% | 7,230 |
| Loan loss allowance to noncurrent loans | 51.4706% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 5,855 |
| Noncurrent loans to loans | 0.5482% | 5,621 |
| Net loans and leases to total assets | 80.6075% | 432 |
| Net loans and leases to deposits | 99.7856% | 467 |
| Net loans and leases to core deposits | 102.9254% | 972 |
| Total domestic deposits to total assets | 80.7807% | 5,516 |
| Equity capital to assets | 14.2658% | 981 |
| Core capital (leverage) ratio | 14.1939% | 778 |
| Tier 1 risk-based capital ratio | 18.3478% | 2,093 |
| Total risk-based capital ratio | 18.2575% | 2,553 |
| Memoranda: | ||
| Average total assets | $102,168,200 | 4,843 |
| Average earning assets | $93,297,400 | 4,826 |
| Average equity | $14,842,800 | 3,944 |
| Average total loans | $78,875,800 | 4,176 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5855% | 1,067 |
| Cost of funding earning assets | 0.8870% | 4,490 |
| Net interest margin | 4.6985% | 767 |
| Noninterest income to average assets | 0.8804% | 1,716 |
| Noninterest expense to average assets | 3.9752% | 1,035 |
| Loan and lease loss provision to assets | 0.0330% | 6,027 |
| Net operating income to assets | 0.7786% | 3,259 |
| Return on assets (ROA) | 0.7839% | 3,404 |
| Pretax return on assets | 1.1726% | 2,732 |
| Return on Equity (ROE) | 5.3704% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.3704% | 2,934 |
| Net charge-offs to loans | -0.0052% | 6,719 |
| Credit loss provision to net charge-offs | -833.3333% | 6,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2842% | 2,801 |
| Assets per employee ($millions) | 3.0223% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2544% | 7,311 |
| Loan loss allowance to noncurrent loans | 629.4118% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 6,977 |
| Noncurrent loans to loans | 0.0404% | 6,842 |
| Net loans and leases to total assets | 79.3277% | 578 |
| Net loans and leases to deposits | 97.9468% | 580 |
| Net loans and leases to core deposits | 101.3712% | 1,128 |
| Total domestic deposits to total assets | 80.9906% | 5,433 |
| Equity capital to assets | 14.2902% | 1,056 |
| Core capital (leverage) ratio | 14.2091% | 844 |
| Tier 1 risk-based capital ratio | 19.2023% | 1,874 |
| Total risk-based capital ratio | 19.4760% | 2,145 |
| Memoranda: | ||
| Average total assets | $100,855,750 | 4,902 |
| Average earning assets | $92,140,500 | 4,895 |
| Average equity | $14,722,500 | 3,980 |
| Average total loans | $76,886,750 | 4,280 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4927% | 1,312 |
| Cost of funding earning assets | 0.8738% | 4,874 |
| Net interest margin | 4.6189% | 877 |
| Noninterest income to average assets | 0.9313% | 1,533 |
| Noninterest expense to average assets | 3.9793% | 1,081 |
| Loan and lease loss provision to assets | 0.0141% | 6,104 |
| Net operating income to assets | 0.7660% | 3,217 |
| Return on assets (ROA) | 0.7660% | 3,348 |
| Pretax return on assets | 1.1470% | 2,678 |
| Return on Equity (ROE) | 5.2086% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.2086% | 2,868 |
| Net charge-offs to loans | -0.0161% | 6,779 |
| Credit loss provision to net charge-offs | -116.6667% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 2,908 |
| Assets per employee ($millions) | 2.9809% | 6,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2554% | 7,371 |
| Loan loss allowance to noncurrent loans | 60.8563% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 6,321 |
| Noncurrent loans to loans | 0.4196% | 6,064 |
| Net loans and leases to total assets | 76.6939% | 968 |
| Net loans and leases to deposits | 92.5379% | 994 |
| Net loans and leases to core deposits | 95.5372% | 1,730 |
| Total domestic deposits to total assets | 82.8783% | 4,814 |
| Equity capital to assets | 14.6225% | 909 |
| Core capital (leverage) ratio | 14.5322% | 757 |
| Tier 1 risk-based capital ratio | 19.3791% | 1,745 |
| Total risk-based capital ratio | 19.6412% | 1,993 |
| Memoranda: | ||
| Average total assets | $99,214,670 | 4,982 |
| Average earning assets | $90,410,670 | 4,980 |
| Average equity | $14,591,330 | 3,986 |
| Average total loans | $74,473,670 | 4,412 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 1,330 |
| Cost of funding earning assets | 0.8952% | 4,958 |
| Net interest margin | 4.5923% | 874 |
| Noninterest income to average assets | 0.5665% | 3,393 |
| Noninterest expense to average assets | 3.7699% | 1,395 |
| Loan and lease loss provision to assets | -0.0163% | 7,450 |
| Net operating income to assets | 0.6725% | 3,649 |
| Return on assets (ROA) | 0.6725% | 3,718 |
| Pretax return on assets | 0.9944% | 3,151 |
| Return on Equity (ROE) | 4.5590% | 4,620 |
| Retained earnings to average equity (ytd only) | 4.5590% | 3,445 |
| Net charge-offs to loans | -0.0330% | 6,744 |
| Credit loss provision to net charge-offs | 66.6667% | 3,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9700% | 2,697 |
| Assets per employee ($millions) | 2.9742% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2523% | 7,428 |
| Loan loss allowance to noncurrent loans | 113.4146% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 6,746 |
| Noncurrent loans to loans | 0.2225% | 6,536 |
| Net loans and leases to total assets | 74.9254% | 1,193 |
| Net loans and leases to deposits | 90.9312% | 1,130 |
| Net loans and leases to core deposits | 93.3329% | 1,972 |
| Total domestic deposits to total assets | 82.3978% | 5,148 |
| Equity capital to assets | 14.8349% | 800 |
| Core capital (leverage) ratio | 14.7758% | 698 |
| Tier 1 risk-based capital ratio | 20.8165% | 1,429 |
| Total risk-based capital ratio | 21.0836% | 1,594 |
| Memoranda: | ||
| Average total assets | $98,146,500 | 5,047 |
| Average earning assets | $89,366,500 | 5,046 |
| Average equity | $14,477,000 | 4,000 |
| Average total loans | $72,746,000 | 4,522 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7941% | 1,294 |
| Cost of funding earning assets | 1.1893% | 4,625 |
| Net interest margin | 4.6048% | 1,000 |
| Noninterest income to average assets | 0.6505% | 3,150 |
| Noninterest expense to average assets | 3.7046% | 1,693 |
| Loan and lease loss provision to assets | 0.0483% | 6,673 |
| Net operating income to assets | 0.7235% | 3,135 |
| Return on assets (ROA) | 0.7235% | 3,261 |
| Pretax return on assets | 1.0832% | 2,646 |
| Return on Equity (ROE) | 6.1765% | 3,534 |
| Retained earnings to average equity (ytd only) | 6.1765% | 1,730 |
| Net charge-offs to loans | 0.0485% | 6,313 |
| Credit loss provision to net charge-offs | 132.3529% | 2,967 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 711 |
| Efficiency ratio | 76.3152% | 3,002 |
| Assets per employee ($millions) | 3.0671% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2564% | 7,503 |
| Loan loss allowance to noncurrent loans | 23.7726% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 5,432 |
| Noncurrent loans to loans | 1.0785% | 4,935 |
| Net loans and leases to total assets | 72.9373% | 1,893 |
| Net loans and leases to deposits | 88.1198% | 1,770 |
| Net loans and leases to core deposits | 90.5245% | 2,687 |
| Total domestic deposits to total assets | 82.7706% | 4,894 |
| Equity capital to assets | 14.6659% | 869 |
| Core capital (leverage) ratio | 14.5998% | 731 |
| Tier 1 risk-based capital ratio | 21.0860% | 1,307 |
| Total risk-based capital ratio | 21.3569% | 1,435 |
| Memoranda: | ||
| Average total assets | $93,153,400 | 5,188 |
| Average earning assets | $84,672,200 | 5,192 |
| Average equity | $10,912,400 | 4,886 |
| Average total loans | $70,091,000 | 4,679 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8261% | 1,327 |
| Cost of funding earning assets | 1.2522% | 4,560 |
| Net interest margin | 4.5739% | 1,101 |
| Noninterest income to average assets | 0.6180% | 3,332 |
| Noninterest expense to average assets | 3.7124% | 1,542 |
| Loan and lease loss provision to assets | 0.0406% | 6,680 |
| Net operating income to assets | 0.6760% | 3,519 |
| Return on assets (ROA) | 0.6760% | 3,678 |
| Pretax return on assets | 1.0141% | 3,131 |
| Return on Equity (ROE) | 6.1872% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.1872% | 2,269 |
| Net charge-offs to loans | 0.0555% | 5,965 |
| Credit loss provision to net charge-offs | 96.5517% | 4,491 |
| Earnings coverage of net charge-offs (x) | 25.0662% | 1,006 |
| Efficiency ratio | 77.6324% | 2,672 |
| Assets per employee ($millions) | 2.9057% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2387% | 7,626 |
| Loan loss allowance to noncurrent loans | 64.1791% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 6,709 |
| Noncurrent loans to loans | 0.3719% | 6,450 |
| Net loans and leases to total assets | 70.6962% | 2,567 |
| Net loans and leases to deposits | 85.8463% | 2,376 |
| Net loans and leases to core deposits | 89.6372% | 3,151 |
| Total domestic deposits to total assets | 82.3520% | 4,853 |
| Equity capital to assets | 14.0216% | 1,160 |
| Core capital (leverage) ratio | 13.9421% | 930 |
| Tier 1 risk-based capital ratio | 21.5214% | 1,282 |
| Total risk-based capital ratio | 21.7827% | 1,422 |
| Memoranda: | ||
| Average total assets | $91,905,250 | 5,292 |
| Average earning assets | $83,370,000 | 5,293 |
| Average equity | $10,042,000 | 5,180 |
| Average total loans | $69,671,500 | 4,769 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9266% | 1,119 |
| Cost of funding earning assets | 1.3170% | 4,430 |
| Net interest margin | 4.6096% | 974 |
| Noninterest income to average assets | 0.6092% | 3,269 |
| Noninterest expense to average assets | 3.7838% | 1,390 |
| Loan and lease loss provision to assets | 0.0068% | 6,821 |
| Net operating income to assets | 0.6566% | 3,600 |
| Return on assets (ROA) | 0.6566% | 3,753 |
| Pretax return on assets | 0.9883% | 3,160 |
| Return on Equity (ROE) | 6.7392% | 3,428 |
| Retained earnings to average equity (ytd only) | 6.7392% | 1,952 |
| Net charge-offs to loans | 0.0929% | 5,205 |
| Credit loss provision to net charge-offs | 9.3750% | 5,948 |
| Earnings coverage of net charge-offs (x) | 13.7813% | 1,567 |
| Efficiency ratio | 78.9896% | 2,575 |
| Assets per employee ($millions) | 2.9359% | 6,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2079% | 7,707 |
| Loan loss allowance to noncurrent loans | 40.6162% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 6,462 |
| Noncurrent loans to loans | 0.5118% | 6,230 |
| Net loans and leases to total assets | 76.4825% | 1,396 |
| Net loans and leases to deposits | 86.3068% | 2,466 |
| Net loans and leases to core deposits | 89.9678% | 3,269 |
| Total domestic deposits to total assets | 88.6170% | 1,665 |
| Equity capital to assets | 9.6657% | 4,442 |
| Core capital (leverage) ratio | 9.5693% | 3,717 |
| Tier 1 risk-based capital ratio | 13.7215% | 3,922 |
| Total risk-based capital ratio | 13.9502% | 4,659 |
| Memoranda: | ||
| Average total assets | $88,640,330 | 5,430 |
| Average earning assets | $80,181,330 | 5,433 |
| Average equity | $8,636,000 | 5,598 |
| Average total loans | $68,872,000 | 4,829 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8519% | 1,321 |
| Cost of funding earning assets | 1.3481% | 4,511 |
| Net interest margin | 4.5038% | 1,131 |
| Noninterest income to average assets | 0.6175% | 3,154 |
| Noninterest expense to average assets | 3.7963% | 1,334 |
| Loan and lease loss provision to assets | -0.0046% | 7,832 |
| Net operating income to assets | 0.6266% | 3,770 |
| Return on assets (ROA) | 0.6266% | 3,899 |
| Pretax return on assets | 0.9056% | 3,448 |
| Return on Equity (ROE) | 6.4052% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.4052% | 2,409 |
| Net charge-offs to loans | 0.1461% | 4,056 |
| Credit loss provision to net charge-offs | -4.0000% | 5,951 |
| Earnings coverage of net charge-offs (x) | 7.8800% | 2,025 |
| Efficiency ratio | 80.6232% | 2,470 |
| Assets per employee ($millions) | 2.7807% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2115% | 7,806 |
| Loan loss allowance to noncurrent loans | 60.4082% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 6,789 |
| Noncurrent loans to loans | 0.3501% | 6,599 |
| Net loans and leases to total assets | 78.4718% | 1,066 |
| Net loans and leases to deposits | 88.5531% | 2,120 |
| Net loans and leases to core deposits | 92.0264% | 3,102 |
| Total domestic deposits to total assets | 88.6155% | 1,726 |
| Equity capital to assets | 9.7021% | 4,229 |
| Core capital (leverage) ratio | 9.6147% | 3,625 |
| Tier 1 risk-based capital ratio | 13.3461% | 4,093 |
| Total risk-based capital ratio | 13.5772% | 4,836 |
| Memoranda: | ||
| Average total assets | $87,454,000 | 5,530 |
| Average earning assets | $79,222,500 | 5,534 |
| Average equity | $8,555,500 | 5,674 |
| Average total loans | $68,431,000 | 4,918 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4221% | 790 |
| Cost of funding earning assets | 1.7612% | 4,199 |
| Net interest margin | 4.6609% | 886 |
| Noninterest income to average assets | 0.6586% | 3,237 |
| Noninterest expense to average assets | 3.9100% | 1,497 |
| Loan and lease loss provision to assets | 0.0171% | 7,331 |
| Net operating income to assets | 0.6624% | 3,090 |
| Return on assets (ROA) | 0.5720% | 3,512 |
| Pretax return on assets | 0.7952% | 3,259 |
| Return on Equity (ROE) | 5.6998% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.6998% | 1,473 |
| Net charge-offs to loans | 0.0140% | 7,024 |
| Credit loss provision to net charge-offs | 155.5556% | 2,917 |
| Earnings coverage of net charge-offs (x) | 85.4444% | 320 |
| Efficiency ratio | 80.4528% | 2,815 |
| Assets per employee ($millions) | 2.7718% | 6,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2586% | 7,852 |
| Loan loss allowance to noncurrent loans | 69.4779% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 6,723 |
| Noncurrent loans to loans | 0.3723% | 6,534 |
| Net loans and leases to total assets | 77.6427% | 1,456 |
| Net loans and leases to deposits | 87.7357% | 2,603 |
| Net loans and leases to core deposits | 116.9287% | 2,230 |
| Total domestic deposits to total assets | 88.4960% | 1,731 |
| Equity capital to assets | 9.8665% | 3,927 |
| Core capital (leverage) ratio | 9.7941% | 3,329 |
| Tier 1 risk-based capital ratio | 13.6534% | 3,717 |
| Total risk-based capital ratio | 13.9343% | 4,311 |
| Memoranda: | ||
| Average total assets | $81,995,200 | 5,667 |
| Average earning assets | $73,699,000 | 5,698 |
| Average equity | $8,228,400 | 5,857 |
| Average total loans | $64,084,400 | 5,100 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5264% | 711 |
| Cost of funding earning assets | 1.8306% | 4,229 |
| Net interest margin | 4.6958% | 833 |
| Noninterest income to average assets | 0.7488% | 2,718 |
| Noninterest expense to average assets | 3.8248% | 1,550 |
| Loan and lease loss provision to assets | 0.0132% | 7,200 |
| Net operating income to assets | 0.8001% | 2,815 |
| Return on assets (ROA) | 0.6797% | 3,339 |
| Pretax return on assets | 0.9546% | 3,043 |
| Return on Equity (ROE) | 6.7432% | 3,188 |
| Retained earnings to average equity (ytd only) | 6.7432% | 1,611 |
| Net charge-offs to loans | 0.0231% | 6,567 |
| Credit loss provision to net charge-offs | 72.7273% | 5,928 |
| Earnings coverage of net charge-offs (x) | 62.8023% | 521 |
| Efficiency ratio | 76.8823% | 3,344 |
| Assets per employee ($millions) | 2.6660% | 6,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2492% | 7,937 |
| Loan loss allowance to noncurrent loans | 148.6486% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 7,220 |
| Noncurrent loans to loans | 0.1676% | 7,069 |
| Net loans and leases to total assets | 77.4217% | 1,687 |
| Net loans and leases to deposits | 87.7566% | 3,014 |
| Net loans and leases to core deposits | 115.9179% | 2,632 |
| Total domestic deposits to total assets | 88.2232% | 1,550 |
| Equity capital to assets | 9.8568% | 4,271 |
| Core capital (leverage) ratio | 9.7976% | 3,520 |
| Tier 1 risk-based capital ratio | 12.8409% | 4,298 |
| Total risk-based capital ratio | 13.0945% | 5,050 |
| Memoranda: | ||
| Average total assets | $81,012,250 | 5,729 |
| Average earning assets | $72,687,000 | 5,764 |
| Average equity | $8,166,000 | 5,923 |
| Average total loans | $63,383,250 | 5,155 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6191% | 641 |
| Cost of funding earning assets | 1.8559% | 4,482 |
| Net interest margin | 4.7632% | 712 |
| Noninterest income to average assets | 0.6610% | 3,260 |
| Noninterest expense to average assets | 3.8327% | 1,605 |
| Loan and lease loss provision to assets | 0.0101% | 7,107 |
| Net operating income to assets | 0.6960% | 3,272 |
| Return on assets (ROA) | 0.5303% | 4,091 |
| Pretax return on assets | 0.8294% | 3,573 |
| Return on Equity (ROE) | 5.2195% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.2195% | 2,388 |
| Net charge-offs to loans | 0.0032% | 6,580 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 437.0000% | 80 |
| Efficiency ratio | 77.5229% | 3,414 |
| Assets per employee ($millions) | 2.6607% | 6,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2770% | 8,006 |
| Loan loss allowance to noncurrent loans | 73.7288% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 6,734 |
| Noncurrent loans to loans | 0.3756% | 6,575 |
| Net loans and leases to total assets | 78.4896% | 1,642 |
| Net loans and leases to deposits | 88.1231% | 3,149 |
| Net loans and leases to core deposits | 114.0185% | 2,906 |
| Total domestic deposits to total assets | 89.0682% | 1,234 |
| Equity capital to assets | 10.2603% | 3,656 |
| Core capital (leverage) ratio | 10.2176% | 3,074 |
| Tier 1 risk-based capital ratio | 13.5341% | 3,799 |
| Total risk-based capital ratio | 13.8230% | 4,387 |
| Memoranda: | ||
| Average total assets | $79,579,000 | 5,812 |
| Average earning assets | $71,339,000 | 5,842 |
| Average equity | $8,085,000 | 5,989 |
| Average total loans | $62,439,330 | 5,238 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4583% | 939 |
| Cost of funding earning assets | 1.8920% | 4,664 |
| Net interest margin | 4.5663% | 1,003 |
| Noninterest income to average assets | 0.8860% | 1,905 |
| Noninterest expense to average assets | 3.6497% | 1,753 |
| Loan and lease loss provision to assets | -0.0201% | 8,179 |
| Net operating income to assets | 0.9211% | 2,610 |
| Return on assets (ROA) | 0.5789% | 4,305 |
| Pretax return on assets | 0.8810% | 3,788 |
| Return on Equity (ROE) | 5.7267% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,766 |
| Net charge-offs to loans | -0.0193% | 7,427 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3724% | 4,125 |
| Assets per employee ($millions) | 2.7003% | 6,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2663% | 8,057 |
| Loan loss allowance to noncurrent loans | 225.3333% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 7,310 |
| Noncurrent loans to loans | 0.1182% | 7,186 |
| Net loans and leases to total assets | 78.1417% | 1,787 |
| Net loans and leases to deposits | 87.4130% | 3,398 |
| Net loans and leases to core deposits | 110.9201% | 3,320 |
| Total domestic deposits to total assets | 89.3936% | 1,058 |
| Equity capital to assets | 10.0077% | 3,999 |
| Core capital (leverage) ratio | 9.9553% | 3,449 |
| Tier 1 risk-based capital ratio | 12.7609% | 4,342 |
| Total risk-based capital ratio | 13.0286% | 5,063 |
| Memoranda: | ||
| Average total assets | $79,457,500 | 5,846 |
| Average earning assets | $72,093,500 | 5,841 |
| Average equity | $8,032,500 | 6,052 |
| Average total loans | $62,246,000 | 5,278 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6682% | 2,168 |
| Cost of funding earning assets | 2.4476% | 4,485 |
| Net interest margin | 4.2206% | 2,229 |
| Noninterest income to average assets | 0.6264% | 3,663 |
| Noninterest expense to average assets | 3.4088% | 2,647 |
| Loan and lease loss provision to assets | 0.0362% | 6,951 |
| Net operating income to assets | 0.7211% | 3,796 |
| Return on assets (ROA) | 0.5888% | 4,223 |
| Pretax return on assets | 0.8464% | 3,900 |
| Return on Equity (ROE) | 5.9036% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.9036% | 1,572 |
| Net charge-offs to loans | 0.0017% | 7,007 |
| Credit loss provision to net charge-offs | 2,800.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 828.0000% | 61 |
| Efficiency ratio | 75.8232% | 3,261 |
| Assets per employee ($millions) | 2.7824% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2802% | 8,098 |
| Loan loss allowance to noncurrent loans | 56.4356% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 6,072 |
| Noncurrent loans to loans | 0.4965% | 5,860 |
| Net loans and leases to total assets | 78.1072% | 2,107 |
| Net loans and leases to deposits | 87.5957% | 3,853 |
| Net loans and leases to core deposits | 113.0723% | 3,439 |
| Total domestic deposits to total assets | 89.1679% | 976 |
| Equity capital to assets | 10.2147% | 3,784 |
| Core capital (leverage) ratio | 10.1975% | 3,272 |
| Tier 1 risk-based capital ratio | 13.5188% | 3,813 |
| Total risk-based capital ratio | 13.8098% | 4,302 |
| Memoranda: | ||
| Average total assets | $77,270,000 | 5,794 |
| Average earning assets | $70,558,600 | 5,801 |
| Average equity | $7,707,200 | 6,208 |
| Average total loans | $60,055,600 | 5,262 |