Home > Commencement Bank > Performance and Condition Ratios
Commencement Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8278% | 2,422 |
| Cost of funding earning assets | 1.4773% | 1,999 |
| Net interest margin | 3.3505% | 2,516 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.7065% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5246% | 3,616 |
| Return on assets (ROA) | 0.5246% | 3,600 |
| Pretax return on assets | 0.6316% | 3,583 |
| Return on Equity (ROE) | 6.4000% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.9832% | 2,250 |
| Net charge-offs to loans | -0.1633% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.0076% | 849 |
| Assets per employee ($millions) | 7.7101% | 1,585 |
| Cash dividends to net income (ytd only)* | 6.4767% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 1,853 |
| Loan loss allowance to noncurrent loans | 1,025.2252% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 2,889 |
| Noncurrent loans to loans | 0.1253% | 2,891 |
| Net loans and leases to total assets | 74.6500% | 1,280 |
| Net loans and leases to deposits | 82.3335% | 1,919 |
| Net loans and leases to core deposits | 86.8944% | 2,250 |
| Total domestic deposits to total assets | 90.6600% | 588 |
| Equity capital to assets | 8.5225% | 3,037 |
| Core capital (leverage) ratio | 10.1711% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5161% | 1,680 |
| Memoranda: | ||
| Average total assets | $588,650,000 | 1,503 |
| Average earning assets | $546,874,600 | 1,503 |
| Average equity | $48,268,800 | 1,652 |
| Average total loans | $436,030,800 | 1,379 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 2,423 |
| Cost of funding earning assets | 1.4056% | 1,852 |
| Net interest margin | 3.3198% | 2,638 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.6878% | 1,703 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5066% | 3,749 |
| Return on assets (ROA) | 0.5066% | 3,749 |
| Pretax return on assets | 0.6179% | 3,710 |
| Return on Equity (ROE) | 6.2400% | 3,598 |
| Retained earnings to average equity (ytd only) | 5.6814% | 2,722 |
| Net charge-offs to loans | -0.0930% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.2196% | 789 |
| Assets per employee ($millions) | 7.7153% | 1,502 |
| Cash dividends to net income (ytd only)* | 8.9326% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,318 |
| Loan loss allowance to noncurrent loans | 232.3361% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 1,469 |
| Noncurrent loans to loans | 0.5199% | 1,523 |
| Net loans and leases to total assets | 74.6400% | 1,277 |
| Net loans and leases to deposits | 85.2694% | 1,631 |
| Net loans and leases to core deposits | 90.6716% | 1,879 |
| Total domestic deposits to total assets | 87.5400% | 1,725 |
| Equity capital to assets | 8.1860% | 2,931 |
| Core capital (leverage) ratio | 10.0230% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4421% | 1,734 |
| Memoranda: | ||
| Average total assets | $589,321,250 | 1,507 |
| Average earning assets | $547,122,000 | 1,502 |
| Average equity | $47,851,250 | 1,648 |
| Average total loans | $434,267,250 | 1,378 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 2,416 |
| Cost of funding earning assets | 1.3628% | 1,549 |
| Net interest margin | 3.2366% | 2,896 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.6383% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4972% | 3,815 |
| Return on assets (ROA) | 0.4972% | 3,820 |
| Pretax return on assets | 0.6059% | 3,791 |
| Return on Equity (ROE) | 6.1400% | 3,658 |
| Retained earnings to average equity (ytd only) | 5.3070% | 2,859 |
| Net charge-offs to loans | -0.0868% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.2312% | 764 |
| Assets per employee ($millions) | 8.5444% | 1,074 |
| Cash dividends to net income (ytd only)* | 13.5685% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1867% | 2,505 |
| Loan loss allowance to noncurrent loans | 199.0751% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 1,270 |
| Noncurrent loans to loans | 0.5961% | 1,252 |
| Net loans and leases to total assets | 69.9200% | 1,751 |
| Net loans and leases to deposits | 76.4882% | 2,263 |
| Net loans and leases to core deposits | 83.6003% | 2,231 |
| Total domestic deposits to total assets | 91.4100% | 522 |
| Equity capital to assets | 7.8467% | 3,316 |
| Core capital (leverage) ratio | 9.7286% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2081% | 1,812 |
| Memoranda: | ||
| Average total assets | $592,879,667 | 1,496 |
| Average earning assets | $551,200,667 | 1,493 |
| Average equity | $48,012,333 | 1,651 |
| Average total loans | $433,294,333 | 1,366 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 2,358 |
| Cost of funding earning assets | 1.1930% | 1,473 |
| Net interest margin | 3.2900% | 2,903 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.6508% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5157% | 3,861 |
| Return on assets (ROA) | 0.5157% | 3,824 |
| Pretax return on assets | 0.6292% | 3,795 |
| Return on Equity (ROE) | 6.2700% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.2654% | 2,691 |
| Net charge-offs to loans | -0.0518% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.7338% | 778 |
| Assets per employee ($millions) | 8.3234% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 2,783 |
| Loan loss allowance to noncurrent loans | 193.7644% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 1,148 |
| Noncurrent loans to loans | 0.5971% | 1,245 |
| Net loans and leases to total assets | 73.8100% | 1,228 |
| Net loans and leases to deposits | 83.1403% | 1,562 |
| Net loans and leases to core deposits | 92.3751% | 1,485 |
| Total domestic deposits to total assets | 88.7800% | 1,623 |
| Equity capital to assets | 8.4564% | 2,926 |
| Core capital (leverage) ratio | 9.9484% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1598% | 1,923 |
| Memoranda: | ||
| Average total assets | $581,720,500 | 1,544 |
| Average earning assets | $539,460,500 | 1,539 |
| Average equity | $47,882,000 | 1,663 |
| Average total loans | $432,283,000 | 1,378 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 2,010 |
| Cost of funding earning assets | 0.2790% | 3,051 |
| Net interest margin | 3.6108% | 1,616 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.3284% | 2,645 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9949% | 2,585 |
| Return on assets (ROA) | 0.9949% | 2,537 |
| Pretax return on assets | 1.2207% | 2,369 |
| Return on Equity (ROE) | 11.4400% | 2,323 |
| Retained earnings to average equity (ytd only) | 10.1956% | 1,099 |
| Net charge-offs to loans | 0.0084% | 2,076 |
| Credit loss provision to net charge-offs | 859.3750% | 476 |
| Earnings coverage of net charge-offs (x) | 219.7500% | 609 |
| Efficiency ratio | 64.5432% | 2,426 |
| Assets per employee ($millions) | 9.0750% | 894 |
| Cash dividends to net income (ytd only)* | 10.8952% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 2,590 |
| Loan loss allowance to noncurrent loans | 189.2056% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 1,122 |
| Noncurrent loans to loans | 0.6126% | 1,217 |
| Net loans and leases to total assets | 73.0900% | 1,303 |
| Net loans and leases to deposits | 84.4580% | 1,430 |
| Net loans and leases to core deposits | 93.4596% | 1,321 |
| Total domestic deposits to total assets | 86.5400% | 2,557 |
| Equity capital to assets | 8.0051% | 3,057 |
| Core capital (leverage) ratio | 10.0988% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9475% | 1,998 |
| Memoranda: | ||
| Average total assets | $553,524,200 | 1,600 |
| Average earning assets | $509,358,400 | 1,609 |
| Average equity | $48,128,600 | 1,669 |
| Average total loans | $381,291,200 | 1,453 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 2,045 |
| Cost of funding earning assets | 0.1680% | 3,651 |
| Net interest margin | 3.5349% | 1,561 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.3815% | 2,393 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.9433% | 2,688 |
| Return on assets (ROA) | 0.9433% | 2,654 |
| Pretax return on assets | 1.1479% | 2,560 |
| Return on Equity (ROE) | 10.6300% | 2,533 |
| Retained earnings to average equity (ytd only) | 9.5265% | 1,477 |
| Net charge-offs to loans | 0.0047% | 2,015 |
| Credit loss provision to net charge-offs | 576.9231% | 564 |
| Earnings coverage of net charge-offs (x) | 367.8462% | 415 |
| Efficiency ratio | 66.9623% | 2,158 |
| Assets per employee ($millions) | 8.9354% | 917 |
| Cash dividends to net income (ytd only)* | 10.3413% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 2,478 |
| Loan loss allowance to noncurrent loans | 164.7321% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 1,034 |
| Noncurrent loans to loans | 0.7341% | 1,111 |
| Net loans and leases to total assets | 70.7400% | 1,417 |
| Net loans and leases to deposits | 78.0088% | 1,707 |
| Net loans and leases to core deposits | 81.4986% | 1,798 |
| Total domestic deposits to total assets | 90.6800% | 1,373 |
| Equity capital to assets | 8.2100% | 2,751 |
| Core capital (leverage) ratio | 9.8362% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9080% | 1,736 |
| Memoranda: | ||
| Average total assets | $546,704,500 | 1,628 |
| Average earning assets | $502,367,750 | 1,635 |
| Average equity | $48,537,250 | 1,677 |
| Average total loans | $369,248,000 | 1,482 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 2,208 |
| Cost of funding earning assets | 0.1703% | 3,311 |
| Net interest margin | 3.3044% | 1,897 |
| Noninterest income to average assets | 0.1823% | 4,093 |
| Noninterest expense to average assets | 2.2698% | 2,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7654% | 3,087 |
| Return on assets (ROA) | 0.7654% | 3,052 |
| Pretax return on assets | 0.9503% | 2,896 |
| Return on Equity (ROE) | 8.4068% | 2,895 |
| Retained earnings to average equity (ytd only) | 7.1960% | 1,922 |
| Net charge-offs to loans | 0.0072% | 1,734 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 198.9231% | 540 |
| Efficiency ratio | 70.3070% | 1,915 |
| Assets per employee ($millions) | 9.0493% | 863 |
| Cash dividends to net income (ytd only)* | 14.4023% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 2,625 |
| Loan loss allowance to noncurrent loans | 167.5062% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 1,118 |
| Noncurrent loans to loans | 0.7242% | 1,192 |
| Net loans and leases to total assets | 69.6632% | 1,323 |
| Net loans and leases to deposits | 76.8199% | 1,625 |
| Net loans and leases to core deposits | 79.7621% | 1,732 |
| Total domestic deposits to total assets | 90.6838% | 1,389 |
| Equity capital to assets | 8.4693% | 2,787 |
| Core capital (leverage) ratio | 9.5737% | 2,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5643% | 1,843 |
| Memoranda: | ||
| Average total assets | $544,275,333 | 1,640 |
| Average earning assets | $500,369,000 | 1,660 |
| Average equity | $49,555,333 | 1,694 |
| Average total loans | $360,104,667 | 1,502 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3561% | 2,224 |
| Cost of funding earning assets | 0.1816% | 3,067 |
| Net interest margin | 3.1745% | 1,960 |
| Noninterest income to average assets | 0.1784% | 4,103 |
| Noninterest expense to average assets | 2.1998% | 2,840 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7291% | 2,944 |
| Return on assets (ROA) | 0.7291% | 2,933 |
| Pretax return on assets | 0.9023% | 2,766 |
| Return on Equity (ROE) | 7.7319% | 2,785 |
| Retained earnings to average equity (ytd only) | 7.7319% | 1,660 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7230% | 2,130 |
| Assets per employee ($millions) | 9.1596% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 2,011 |
| Loan loss allowance to noncurrent loans | 169.4703% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 1,180 |
| Noncurrent loans to loans | 0.8105% | 1,168 |
| Net loans and leases to total assets | 61.8643% | 1,878 |
| Net loans and leases to deposits | 68.6676% | 2,083 |
| Net loans and leases to core deposits | 71.4183% | 2,165 |
| Total domestic deposits to total assets | 90.0924% | 1,507 |
| Equity capital to assets | 8.9980% | 2,709 |
| Core capital (leverage) ratio | 9.7561% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9844% | 1,518 |
| Memoranda: | ||
| Average total assets | $540,409,500 | 1,661 |
| Average earning assets | $497,715,000 | 1,674 |
| Average equity | $50,957,500 | 1,714 |
| Average total loans | $345,523,000 | 1,529 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 1,947 |
| Cost of funding earning assets | 0.2815% | 2,583 |
| Net interest margin | 3.4864% | 1,780 |
| Noninterest income to average assets | 0.1719% | 4,294 |
| Noninterest expense to average assets | 2.0163% | 3,630 |
| Loan and lease loss provision to assets | 0.4367% | 142 |
| Net operating income to assets | 0.7632% | 3,445 |
| Return on assets (ROA) | 0.7632% | 3,506 |
| Pretax return on assets | 0.9477% | 3,382 |
| Return on Equity (ROE) | 7.9605% | 3,232 |
| Retained earnings to average equity (ytd only) | 3.2165% | 3,543 |
| Net charge-offs to loans | 0.6084% | 129 |
| Credit loss provision to net charge-offs | 103.0043% | 1,766 |
| Earnings coverage of net charge-offs (x) | 3.2657% | 2,554 |
| Efficiency ratio | 59.0284% | 3,293 |
| Assets per employee ($millions) | 8.7089% | 1,009 |
| Cash dividends to net income (ytd only)* | 59.5948% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,063 |
| Loan loss allowance to noncurrent loans | 168.6254% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 1,264 |
| Noncurrent loans to loans | 0.8108% | 1,259 |
| Net loans and leases to total assets | 64.2991% | 1,667 |
| Net loans and leases to deposits | 72.1925% | 1,890 |
| Net loans and leases to core deposits | 76.3891% | 1,887 |
| Total domestic deposits to total assets | 89.0662% | 1,478 |
| Equity capital to assets | 9.8757% | 2,776 |
| Core capital (leverage) ratio | 9.4935% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4559% | 1,399 |
| Memoranda: | ||
| Average total assets | $549,623,400 | 1,577 |
| Average earning assets | $509,000,800 | 1,580 |
| Average equity | $52,697,800 | 1,686 |
| Average total loans | $382,940,800 | 1,421 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 1,903 |
| Cost of funding earning assets | 0.2993% | 2,601 |
| Net interest margin | 3.5548% | 1,718 |
| Noninterest income to average assets | 0.1747% | 4,334 |
| Noninterest expense to average assets | 1.9960% | 3,687 |
| Loan and lease loss provision to assets | 0.5774% | 88 |
| Net operating income to assets | 0.7208% | 3,718 |
| Return on assets (ROA) | 0.7208% | 3,782 |
| Pretax return on assets | 0.8930% | 3,708 |
| Return on Equity (ROE) | 7.5717% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.3081% | 2,690 |
| Net charge-offs to loans | 0.7923% | 89 |
| Credit loss provision to net charge-offs | 103.0043% | 1,557 |
| Earnings coverage of net charge-offs (x) | 2.6232% | 2,340 |
| Efficiency ratio | 57.3322% | 3,380 |
| Assets per employee ($millions) | 8.9844% | 897 |
| Cash dividends to net income (ytd only)* | 16.6889% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 2,261 |
| Loan loss allowance to noncurrent loans | 168.2060% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 1,486 |
| Noncurrent loans to loans | 0.7987% | 1,420 |
| Net loans and leases to total assets | 63.4436% | 1,844 |
| Net loans and leases to deposits | 71.0823% | 2,136 |
| Net loans and leases to core deposits | 75.2471% | 2,116 |
| Total domestic deposits to total assets | 89.2538% | 1,147 |
| Equity capital to assets | 9.8535% | 3,048 |
| Core capital (leverage) ratio | 9.4897% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6607% | 1,442 |
| Memoranda: | ||
| Average total assets | $554,218,750 | 1,570 |
| Average earning assets | $513,206,000 | 1,577 |
| Average equity | $52,756,250 | 1,706 |
| Average total loans | $392,096,250 | 1,431 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9402% | 1,710 |
| Cost of funding earning assets | 0.3176% | 2,614 |
| Net interest margin | 3.6226% | 1,537 |
| Noninterest income to average assets | 0.1758% | 4,323 |
| Noninterest expense to average assets | 1.9882% | 3,738 |
| Loan and lease loss provision to assets | 0.8629% | 48 |
| Net operating income to assets | 0.5533% | 4,101 |
| Return on assets (ROA) | 0.5533% | 4,146 |
| Pretax return on assets | 0.6792% | 4,107 |
| Return on Equity (ROE) | 5.8807% | 3,929 |
| Retained earnings to average equity (ytd only) | 3.9701% | 3,528 |
| Net charge-offs to loans | 1.1497% | 65 |
| Credit loss provision to net charge-offs | 103.0043% | 1,342 |
| Earnings coverage of net charge-offs (x) | 1.8408% | 2,156 |
| Efficiency ratio | 56.0750% | 3,531 |
| Assets per employee ($millions) | 9.3635% | 756 |
| Cash dividends to net income (ytd only)* | 32.4886% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,790 |
| Loan loss allowance to noncurrent loans | 148.0613% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 1,461 |
| Noncurrent loans to loans | 0.8281% | 1,481 |
| Net loans and leases to total assets | 67.8999% | 1,457 |
| Net loans and leases to deposits | 75.5978% | 1,860 |
| Net loans and leases to core deposits | 80.3478% | 1,860 |
| Total domestic deposits to total assets | 89.8172% | 864 |
| Equity capital to assets | 9.3669% | 3,454 |
| Core capital (leverage) ratio | 9.0684% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3103% | 1,527 |
| Memoranda: | ||
| Average total assets | $556,276,000 | 1,557 |
| Average earning assets | $515,096,000 | 1,560 |
| Average equity | $52,341,000 | 1,708 |
| Average total loans | $405,316,333 | 1,394 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 1,739 |
| Cost of funding earning assets | 0.3375% | 2,645 |
| Net interest margin | 3.5969% | 1,600 |
| Noninterest income to average assets | 0.1792% | 4,301 |
| Noninterest expense to average assets | 2.0719% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1570% | 2,309 |
| Return on assets (ROA) | 1.1570% | 2,375 |
| Pretax return on assets | 1.4424% | 2,162 |
| Return on Equity (ROE) | 12.2683% | 1,918 |
| Retained earnings to average equity (ytd only) | 8.4369% | 2,114 |
| Net charge-offs to loans | 0.0039% | 1,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 499.0000% | 191 |
| Efficiency ratio | 58.7086% | 3,198 |
| Assets per employee ($millions) | 9.0479% | 813 |
| Cash dividends to net income (ytd only)* | 31.2305% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 3,335 |
| Loan loss allowance to noncurrent loans | 176.0196% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 2,025 |
| Noncurrent loans to loans | 0.6369% | 1,983 |
| Net loans and leases to total assets | 70.9948% | 1,155 |
| Net loans and leases to deposits | 78.9917% | 1,616 |
| Net loans and leases to core deposits | 84.3684% | 1,648 |
| Total domestic deposits to total assets | 89.8763% | 878 |
| Equity capital to assets | 9.1017% | 3,589 |
| Core capital (leverage) ratio | 9.1901% | 3,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7611% | 1,366 |
| Memoranda: | ||
| Average total assets | $553,508,500 | 1,553 |
| Average earning assets | $513,219,000 | 1,553 |
| Average equity | $52,199,500 | 1,705 |
| Average total loans | $414,872,500 | 1,373 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 2,553 |
| Cost of funding earning assets | 0.5507% | 2,609 |
| Net interest margin | 3.5073% | 2,452 |
| Noninterest income to average assets | 0.2602% | 3,925 |
| Noninterest expense to average assets | 2.1901% | 3,689 |
| Loan and lease loss provision to assets | 0.2425% | 1,604 |
| Net operating income to assets | 0.8610% | 2,858 |
| Return on assets (ROA) | 0.8610% | 2,997 |
| Pretax return on assets | 1.0769% | 2,784 |
| Return on Equity (ROE) | 8.2152% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.2094% | 1,314 |
| Net charge-offs to loans | -0.0806% | 4,762 |
| Credit loss provision to net charge-offs | -384.6154% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0089% | 3,130 |
| Assets per employee ($millions) | 8.5154% | 888 |
| Cash dividends to net income (ytd only)* | 12.2429% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,323 |
| Loan loss allowance to noncurrent loans | 176.1707% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 2,067 |
| Noncurrent loans to loans | 0.6396% | 2,085 |
| Net loans and leases to total assets | 77.5284% | 642 |
| Net loans and leases to deposits | 87.1203% | 1,165 |
| Net loans and leases to core deposits | 91.7771% | 1,400 |
| Total domestic deposits to total assets | 88.9901% | 993 |
| Equity capital to assets | 9.7914% | 3,325 |
| Core capital (leverage) ratio | 9.5513% | 3,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4718% | 1,405 |
| Memoranda: | ||
| Average total assets | $474,307,800 | 1,629 |
| Average earning assets | $439,430,400 | 1,627 |
| Average equity | $49,712,600 | 1,700 |
| Average total loans | $371,107,600 | 1,445 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 2,831 |
| Cost of funding earning assets | 0.6015% | 2,607 |
| Net interest margin | 3.4460% | 2,763 |
| Noninterest income to average assets | 0.2363% | 4,080 |
| Noninterest expense to average assets | 2.1456% | 3,830 |
| Loan and lease loss provision to assets | 0.2892% | 1,398 |
| Net operating income to assets | 0.7915% | 3,124 |
| Return on assets (ROA) | 0.7915% | 3,240 |
| Pretax return on assets | 0.9885% | 3,113 |
| Return on Equity (ROE) | 7.4119% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.4119% | 1,528 |
| Net charge-offs to loans | -0.1106% | 4,840 |
| Credit loss provision to net charge-offs | -334.4482% | 3,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2613% | 3,027 |
| Assets per employee ($millions) | 8.3833% | 879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,397 |
| Loan loss allowance to noncurrent loans | 170.5060% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,142 |
| Noncurrent loans to loans | 0.6234% | 2,239 |
| Net loans and leases to total assets | 82.1742% | 417 |
| Net loans and leases to deposits | 92.3591% | 1,044 |
| Net loans and leases to core deposits | 97.7224% | 1,329 |
| Total domestic deposits to total assets | 88.9724% | 778 |
| Equity capital to assets | 9.9161% | 3,303 |
| Core capital (leverage) ratio | 9.4872% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8254% | 1,297 |
| Memoranda: | ||
| Average total assets | $460,896,750 | 1,648 |
| Average earning assets | $426,262,500 | 1,649 |
| Average equity | $49,217,250 | 1,704 |
| Average total loans | $360,390,000 | 1,473 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 3,008 |
| Cost of funding earning assets | 0.6552% | 2,663 |
| Net interest margin | 3.4616% | 2,914 |
| Noninterest income to average assets | 0.2045% | 4,255 |
| Noninterest expense to average assets | 2.2015% | 3,783 |
| Loan and lease loss provision to assets | 0.3378% | 1,267 |
| Net operating income to assets | 0.6877% | 3,436 |
| Return on assets (ROA) | 0.6877% | 3,536 |
| Pretax return on assets | 0.8584% | 3,432 |
| Return on Equity (ROE) | 6.2685% | 3,414 |
| Retained earnings to average equity (ytd only) | 6.2685% | 1,954 |
| Net charge-offs to loans | -0.1717% | 4,922 |
| Credit loss provision to net charge-offs | -257.7320% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3558% | 2,771 |
| Assets per employee ($millions) | 9.7940% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,424 |
| Loan loss allowance to noncurrent loans | 160.7628% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 2,389 |
| Noncurrent loans to loans | 0.6397% | 2,264 |
| Net loans and leases to total assets | 74.7024% | 1,320 |
| Net loans and leases to deposits | 89.0660% | 1,438 |
| Net loans and leases to core deposits | 94.2971% | 1,714 |
| Total domestic deposits to total assets | 83.8730% | 2,792 |
| Equity capital to assets | 9.0277% | 4,070 |
| Core capital (leverage) ratio | 9.8822% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8783% | 1,275 |
| Memoranda: | ||
| Average total assets | $444,068,667 | 1,671 |
| Average earning assets | $409,640,333 | 1,677 |
| Average equity | $48,720,000 | 1,711 |
| Average total loans | $338,940,667 | 1,514 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 2,398 |
| Cost of funding earning assets | 0.7401% | 2,721 |
| Net interest margin | 3.7273% | 2,228 |
| Noninterest income to average assets | 0.2827% | 3,835 |
| Noninterest expense to average assets | 2.4845% | 3,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9666% | 2,294 |
| Return on assets (ROA) | 0.9666% | 2,398 |
| Pretax return on assets | 1.2014% | 2,191 |
| Return on Equity (ROE) | 7.8389% | 2,581 |
| Retained earnings to average equity (ytd only) | 7.8389% | 1,278 |
| Net charge-offs to loans | -0.1606% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9621% | 2,825 |
| Assets per employee ($millions) | 7.1883% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,242 |
| Loan loss allowance to noncurrent loans | 126.0196% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 1,992 |
| Noncurrent loans to loans | 0.8678% | 1,880 |
| Net loans and leases to total assets | 76.3393% | 1,244 |
| Net loans and leases to deposits | 88.7348% | 1,671 |
| Net loans and leases to core deposits | 95.8407% | 1,806 |
| Total domestic deposits to total assets | 86.0308% | 1,991 |
| Equity capital to assets | 12.3812% | 1,804 |
| Core capital (leverage) ratio | 12.1492% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1941% | 1,555 |
| Memoranda: | ||
| Average total assets | $391,870,000 | 1,799 |
| Average earning assets | $357,791,000 | 1,819 |
| Average equity | $48,323,000 | 1,712 |
| Average total loans | $301,424,000 | 1,642 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 1,231 |
| Cost of funding earning assets | 0.7905% | 2,725 |
| Net interest margin | 4.3017% | 1,087 |
| Noninterest income to average assets | 0.2591% | 4,126 |
| Noninterest expense to average assets | 2.5451% | 3,334 |
| Loan and lease loss provision to assets | 0.0788% | 2,419 |
| Net operating income to assets | 1.3002% | 1,687 |
| Return on assets (ROA) | 1.3002% | 1,763 |
| Pretax return on assets | 1.5941% | 1,499 |
| Return on Equity (ROE) | 10.6282% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.6282% | 381 |
| Net charge-offs to loans | 0.0178% | 3,080 |
| Credit loss provision to net charge-offs | 580.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 123.2000% | 577 |
| Efficiency ratio | 59.8056% | 3,726 |
| Assets per employee ($millions) | 7.1923% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,056 |
| Loan loss allowance to noncurrent loans | 121.4502% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 1,888 |
| Noncurrent loans to loans | 0.8895% | 1,729 |
| Net loans and leases to total assets | 75.8226% | 1,446 |
| Net loans and leases to deposits | 88.0713% | 1,833 |
| Net loans and leases to core deposits | 96.7053% | 1,835 |
| Total domestic deposits to total assets | 86.0924% | 2,035 |
| Equity capital to assets | 12.2806% | 1,959 |
| Core capital (leverage) ratio | 12.1037% | 1,714 |
| Tier 1 risk-based capital ratio | 14.7594% | 2,880 |
| Total risk-based capital ratio | 15.8356% | 2,875 |
| Memoranda: | ||
| Average total assets | $368,239,400 | 1,852 |
| Average earning assets | $338,890,400 | 1,852 |
| Average equity | $45,050,000 | 1,755 |
| Average total loans | $281,582,200 | 1,684 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2630% | 926 |
| Cost of funding earning assets | 0.7889% | 2,772 |
| Net interest margin | 4.4741% | 814 |
| Noninterest income to average assets | 0.2540% | 4,218 |
| Noninterest expense to average assets | 2.6442% | 3,029 |
| Loan and lease loss provision to assets | 0.1065% | 1,816 |
| Net operating income to assets | 1.3362% | 1,693 |
| Return on assets (ROA) | 1.3362% | 1,766 |
| Pretax return on assets | 1.6255% | 1,544 |
| Return on Equity (ROE) | 10.9335% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.9335% | 540 |
| Net charge-offs to loans | 0.0327% | 2,417 |
| Credit loss provision to net charge-offs | 426.4706% | 722 |
| Earnings coverage of net charge-offs (x) | 69.3857% | 959 |
| Efficiency ratio | 59.9027% | 3,668 |
| Assets per employee ($millions) | 7.0829% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 2,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.3811% | 1,587 |
| Net loans and leases to deposits | 87.8265% | 1,954 |
| Net loans and leases to core deposits | 96.7740% | 1,936 |
| Total domestic deposits to total assets | 85.8296% | 2,069 |
| Equity capital to assets | 12.3926% | 1,986 |
| Core capital (leverage) ratio | 11.8817% | 1,934 |
| Tier 1 risk-based capital ratio | 14.7694% | 2,966 |
| Total risk-based capital ratio | 15.8847% | 2,940 |
| Memoranda: | ||
| Average total assets | $363,203,250 | 1,889 |
| Average earning assets | $334,629,000 | 1,880 |
| Average equity | $44,388,500 | 1,785 |
| Average total loans | $277,553,000 | 1,712 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 1,622 |
| Cost of funding earning assets | 0.7337% | 2,978 |
| Net interest margin | 4.2126% | 1,334 |
| Noninterest income to average assets | 0.2306% | 4,376 |
| Noninterest expense to average assets | 2.5310% | 3,385 |
| Loan and lease loss provision to assets | 0.1615% | 1,121 |
| Net operating income to assets | 1.1722% | 2,247 |
| Return on assets (ROA) | 1.1722% | 2,325 |
| Pretax return on assets | 1.4262% | 2,118 |
| Return on Equity (ROE) | 9.6388% | 2,566 |
| Retained earnings to average equity (ytd only) | 9.6388% | 866 |
| Net charge-offs to loans | 0.0582% | 1,810 |
| Credit loss provision to net charge-offs | 362.5000% | 786 |
| Earnings coverage of net charge-offs (x) | 35.6375% | 1,321 |
| Efficiency ratio | 60.8978% | 3,595 |
| Assets per employee ($millions) | 7.1658% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 3,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 77.8636% | 1,247 |
| Net loans and leases to deposits | 90.6025% | 1,674 |
| Net loans and leases to core deposits | 98.9038% | 1,813 |
| Total domestic deposits to total assets | 85.9398% | 2,064 |
| Equity capital to assets | 12.2895% | 1,995 |
| Core capital (leverage) ratio | 12.2271% | 1,684 |
| Tier 1 risk-based capital ratio | 14.0631% | 3,288 |
| Total risk-based capital ratio | 15.1548% | 3,269 |
| Memoranda: | ||
| Average total assets | $359,139,670 | 1,904 |
| Average earning assets | $331,483,670 | 1,902 |
| Average equity | $43,677,670 | 1,804 |
| Average total loans | $274,679,330 | 1,735 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 1,716 |
| Cost of funding earning assets | 0.7017% | 3,048 |
| Net interest margin | 4.1626% | 1,394 |
| Noninterest income to average assets | 0.2247% | 4,397 |
| Noninterest expense to average assets | 2.6114% | 3,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1989% | 2,060 |
| Return on assets (ROA) | 1.1989% | 2,112 |
| Pretax return on assets | 1.4596% | 1,889 |
| Return on Equity (ROE) | 9.9118% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.9118% | 1,055 |
| Net charge-offs to loans | -0.0119% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5661% | 3,306 |
| Assets per employee ($millions) | 7.2345% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 74.8053% | 1,671 |
| Net loans and leases to deposits | 86.2421% | 2,102 |
| Net loans and leases to core deposits | 93.8946% | 2,132 |
| Total domestic deposits to total assets | 86.7387% | 1,940 |
| Equity capital to assets | 12.3160% | 1,839 |
| Core capital (leverage) ratio | 12.1807% | 1,680 |
| Tier 1 risk-based capital ratio | 14.5896% | 3,064 |
| Total risk-based capital ratio | 15.6753% | 3,063 |
| Memoranda: | ||
| Average total assets | $355,981,000 | 1,928 |
| Average earning assets | $328,927,000 | 1,924 |
| Average equity | $43,060,000 | 1,815 |
| Average total loans | $268,147,000 | 1,765 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 650 |
| Cost of funding earning assets | 0.5101% | 3,291 |
| Net interest margin | 4.7303% | 459 |
| Noninterest income to average assets | 0.1983% | 4,716 |
| Noninterest expense to average assets | 2.6038% | 3,322 |
| Loan and lease loss provision to assets | 0.0855% | 2,429 |
| Net operating income to assets | 1.5111% | 1,090 |
| Return on assets (ROA) | 1.5111% | 1,073 |
| Pretax return on assets | 1.9026% | 719 |
| Return on Equity (ROE) | 12.6458% | 1,488 |
| Retained earnings to average equity (ytd only) | 12.6458% | 269 |
| Net charge-offs to loans | -0.0088% | 4,460 |
| Credit loss provision to net charge-offs | -1,239.1304% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0507% | 4,407 |
| Assets per employee ($millions) | 7.4473% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 74.1755% | 1,909 |
| Net loans and leases to deposits | 85.0213% | 2,402 |
| Net loans and leases to core deposits | 90.1070% | 2,568 |
| Total domestic deposits to total assets | 87.2434% | 1,667 |
| Equity capital to assets | 11.8782% | 1,985 |
| Core capital (leverage) ratio | 11.9762% | 1,748 |
| Tier 1 risk-based capital ratio | 14.7436% | 2,948 |
| Total risk-based capital ratio | 15.8765% | 2,926 |
| Memoranda: | ||
| Average total assets | $333,277,800 | 1,972 |
| Average earning assets | $309,560,400 | 1,973 |
| Average equity | $39,823,400 | 1,873 |
| Average total loans | $260,551,400 | 1,774 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3566% | 466 |
| Cost of funding earning assets | 0.4660% | 3,414 |
| Net interest margin | 4.8905% | 322 |
| Noninterest income to average assets | 0.1980% | 4,791 |
| Noninterest expense to average assets | 2.6827% | 3,025 |
| Loan and lease loss provision to assets | 0.0998% | 2,005 |
| Net operating income to assets | 1.5618% | 1,043 |
| Return on assets (ROA) | 1.5618% | 1,046 |
| Pretax return on assets | 1.9607% | 697 |
| Return on Equity (ROE) | 13.0491% | 1,414 |
| Retained earnings to average equity (ytd only) | 13.0491% | 353 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9144% | 4,401 |
| Assets per employee ($millions) | 6.1889% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 83.5572% | 507 |
| Net loans and leases to deposits | 97.0482% | 1,038 |
| Net loans and leases to core deposits | 103.2435% | 1,512 |
| Total domestic deposits to total assets | 86.0986% | 2,146 |
| Equity capital to assets | 12.7461% | 1,440 |
| Core capital (leverage) ratio | 12.1427% | 1,701 |
| Tier 1 risk-based capital ratio | 14.5284% | 3,115 |
| Total risk-based capital ratio | 15.6456% | 3,086 |
| Memoranda: | ||
| Average total assets | $327,229,500 | 2,016 |
| Average earning assets | $304,117,750 | 2,011 |
| Average equity | $39,164,000 | 1,899 |
| Average total loans | $258,656,250 | 1,794 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2705% | 498 |
| Cost of funding earning assets | 0.4117% | 3,637 |
| Net interest margin | 4.8589% | 329 |
| Noninterest income to average assets | 0.1927% | 4,859 |
| Noninterest expense to average assets | 2.7809% | 2,720 |
| Loan and lease loss provision to assets | 0.0456% | 2,993 |
| Net operating income to assets | 1.5026% | 1,156 |
| Return on assets (ROA) | 1.5026% | 1,154 |
| Pretax return on assets | 1.8861% | 800 |
| Return on Equity (ROE) | 12.8265% | 1,430 |
| Retained earnings to average equity (ytd only) | 12.8265% | 406 |
| Net charge-offs to loans | 0.0102% | 2,775 |
| Credit loss provision to net charge-offs | 576.9231% | 643 |
| Earnings coverage of net charge-offs (x) | 244.4615% | 366 |
| Efficiency ratio | 58.3645% | 4,176 |
| Assets per employee ($millions) | 7.0666% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 3,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 77.5516% | 1,386 |
| Net loans and leases to deposits | 89.2064% | 1,946 |
| Net loans and leases to core deposits | 93.8639% | 2,229 |
| Total domestic deposits to total assets | 86.9349% | 1,866 |
| Equity capital to assets | 11.9682% | 1,875 |
| Core capital (leverage) ratio | 11.9756% | 1,727 |
| Tier 1 risk-based capital ratio | 14.7947% | 2,968 |
| Total risk-based capital ratio | 15.9033% | 2,964 |
| Memoranda: | ||
| Average total assets | $329,031,330 | 2,012 |
| Average earning assets | $306,079,670 | 2,014 |
| Average equity | $38,545,330 | 1,925 |
| Average total loans | $254,268,330 | 1,823 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 884 |
| Cost of funding earning assets | 0.3597% | 3,915 |
| Net interest margin | 4.5320% | 582 |
| Noninterest income to average assets | 0.1893% | 4,889 |
| Noninterest expense to average assets | 2.6127% | 3,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4425% | 1,216 |
| Return on assets (ROA) | 1.4425% | 1,221 |
| Pretax return on assets | 1.7931% | 922 |
| Return on Equity (ROE) | 12.4503% | 1,424 |
| Retained earnings to average equity (ytd only) | 12.4503% | 606 |
| Net charge-offs to loans | -0.0080% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6083% | 4,276 |
| Assets per employee ($millions) | 6.9568% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,506 |
| Loan loss allowance to noncurrent loans | 5,810.8696% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 5,055 |
| Noncurrent loans to loans | 0.0186% | 4,908 |
| Net loans and leases to total assets | 74.9625% | 1,710 |
| Net loans and leases to deposits | 87.0068% | 2,050 |
| Net loans and leases to core deposits | 108.0619% | 1,119 |
| Total domestic deposits to total assets | 86.1571% | 2,474 |
| Equity capital to assets | 11.7598% | 1,941 |
| Core capital (leverage) ratio | 11.5103% | 2,002 |
| Tier 1 risk-based capital ratio | 14.7700% | 2,997 |
| Total risk-based capital ratio | 15.8989% | 2,959 |
| Memoranda: | ||
| Average total assets | $327,482,000 | 2,032 |
| Average earning assets | $304,677,500 | 2,028 |
| Average equity | $37,943,000 | 1,956 |
| Average total loans | $251,251,500 | 1,842 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,380 |
| Cost of funding earning assets | 0.3770% | 3,449 |
| Net interest margin | 4.2397% | 1,103 |
| Noninterest income to average assets | 0.1934% | 4,984 |
| Noninterest expense to average assets | 2.5676% | 3,550 |
| Loan and lease loss provision to assets | 0.1988% | 1,045 |
| Net operating income to assets | 0.6332% | 3,879 |
| Return on assets (ROA) | 0.6332% | 3,913 |
| Pretax return on assets | 1.3710% | 2,089 |
| Return on Equity (ROE) | 5.7460% | 3,856 |
| Retained earnings to average equity (ytd only) | 5.7460% | 1,686 |
| Net charge-offs to loans | -0.0045% | 4,621 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1985% | 4,078 |
| Assets per employee ($millions) | 6.9786% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,645 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 5,087 |
| Noncurrent loans to loans | 0.0181% | 4,942 |
| Net loans and leases to total assets | 76.8481% | 1,453 |
| Net loans and leases to deposits | 88.7915% | 1,921 |
| Net loans and leases to core deposits | 109.9030% | 1,011 |
| Total domestic deposits to total assets | 86.5488% | 2,206 |
| Equity capital to assets | 11.4133% | 2,267 |
| Core capital (leverage) ratio | 10.8333% | 2,489 |
| Tier 1 risk-based capital ratio | 13.5902% | 3,577 |
| Total risk-based capital ratio | 14.6748% | 3,584 |
| Memoranda: | ||
| Average total assets | $331,942,800 | 1,998 |
| Average earning assets | $308,793,800 | 1,998 |
| Average equity | $36,582,200 | 2,003 |
| Average total loans | $244,408,400 | 1,852 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 1,692 |
| Cost of funding earning assets | 0.3806% | 3,370 |
| Net interest margin | 4.1027% | 1,381 |
| Noninterest income to average assets | 0.1942% | 5,044 |
| Noninterest expense to average assets | 2.6143% | 3,366 |
| Loan and lease loss provision to assets | 0.1081% | 1,968 |
| Net operating income to assets | 0.8662% | 3,195 |
| Return on assets (ROA) | 0.8662% | 3,246 |
| Pretax return on assets | 1.2875% | 2,556 |
| Return on Equity (ROE) | 7.9296% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.9296% | 1,251 |
| Net charge-offs to loans | -0.0033% | 4,386 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3164% | 3,484 |
| Assets per employee ($millions) | 6.6931% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 4,622 |
| Loan loss allowance to noncurrent loans | 4,941.3043% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 5,186 |
| Noncurrent loans to loans | 0.0179% | 5,060 |
| Net loans and leases to total assets | 79.1837% | 1,100 |
| Net loans and leases to deposits | 92.8929% | 1,435 |
| Net loans and leases to core deposits | 114.9442% | 789 |
| Total domestic deposits to total assets | 85.2419% | 2,621 |
| Equity capital to assets | 11.6884% | 2,199 |
| Core capital (leverage) ratio | 10.7693% | 2,674 |
| Tier 1 risk-based capital ratio | 13.7645% | 3,543 |
| Total risk-based capital ratio | 14.6995% | 3,652 |
| Memoranda: | ||
| Average total assets | $332,930,000 | 2,003 |
| Average earning assets | $309,642,250 | 2,004 |
| Average equity | $36,369,000 | 2,016 |
| Average total loans | $241,829,250 | 1,879 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,100 |
| Cost of funding earning assets | 0.3828% | 3,259 |
| Net interest margin | 3.9232% | 1,855 |
| Noninterest income to average assets | 0.1930% | 5,084 |
| Noninterest expense to average assets | 2.6448% | 3,290 |
| Loan and lease loss provision to assets | 0.1069% | 1,899 |
| Net operating income to assets | 0.7351% | 3,689 |
| Return on assets (ROA) | 0.7351% | 3,754 |
| Pretax return on assets | 1.0932% | 3,211 |
| Return on Equity (ROE) | 6.8826% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.8826% | 1,650 |
| Net charge-offs to loans | -0.0008% | 4,131 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8764% | 3,035 |
| Assets per employee ($millions) | 7.2213% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,660 |
| Loan loss allowance to noncurrent loans | 4,734.7826% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 5,235 |
| Noncurrent loans to loans | 0.0189% | 5,094 |
| Net loans and leases to total assets | 72.6502% | 2,099 |
| Net loans and leases to deposits | 83.6231% | 2,530 |
| Net loans and leases to core deposits | 98.8911% | 1,737 |
| Total domestic deposits to total assets | 86.8781% | 1,996 |
| Equity capital to assets | 11.0332% | 2,773 |
| Core capital (leverage) ratio | 10.3385% | 3,090 |
| Tier 1 risk-based capital ratio | 14.2571% | 3,286 |
| Total risk-based capital ratio | 15.2009% | 3,370 |
| Memoranda: | ||
| Average total assets | $336,817,670 | 1,996 |
| Average earning assets | $313,520,000 | 1,992 |
| Average equity | $35,975,000 | 2,029 |
| Average total loans | $236,884,330 | 1,910 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 2,421 |
| Cost of funding earning assets | 0.3822% | 3,183 |
| Net interest margin | 3.7792% | 2,189 |
| Noninterest income to average assets | 0.1816% | 5,183 |
| Noninterest expense to average assets | 2.6090% | 3,466 |
| Loan and lease loss provision to assets | 0.1062% | 1,799 |
| Net operating income to assets | 0.6711% | 3,831 |
| Return on assets (ROA) | 0.6711% | 3,870 |
| Pretax return on assets | 0.9884% | 3,417 |
| Return on Equity (ROE) | 6.3865% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.3865% | 2,144 |
| Net charge-offs to loans | -0.0086% | 4,358 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4904% | 2,973 |
| Assets per employee ($millions) | 7.2769% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 4,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 69.4269% | 2,473 |
| Net loans and leases to deposits | 79.8002% | 2,776 |
| Net loans and leases to core deposits | 95.6296% | 1,843 |
| Total domestic deposits to total assets | 87.0009% | 2,211 |
| Equity capital to assets | 10.7325% | 2,923 |
| Core capital (leverage) ratio | 10.2758% | 3,149 |
| Tier 1 risk-based capital ratio | 14.0334% | 3,455 |
| Total risk-based capital ratio | 14.9316% | 3,579 |
| Memoranda: | ||
| Average total assets | $339,137,500 | 1,996 |
| Average earning assets | $316,042,500 | 1,991 |
| Average equity | $35,637,500 | 2,054 |
| Average total loans | $233,573,500 | 1,935 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3387% | 2,018 |
| Cost of funding earning assets | 0.4269% | 2,742 |
| Net interest margin | 3.9118% | 1,928 |
| Noninterest income to average assets | 0.2587% | 4,875 |
| Noninterest expense to average assets | 3.0698% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5329% | 4,503 |
| Return on assets (ROA) | 0.5329% | 4,592 |
| Pretax return on assets | 0.8263% | 4,108 |
| Return on Equity (ROE) | 4.5941% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.5941% | 2,646 |
| Net charge-offs to loans | -0.0209% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3230% | 1,651 |
| Assets per employee ($millions) | 6.8678% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 4,936 |
| Loan loss allowance to noncurrent loans | 1,396.5035% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 5,189 |
| Noncurrent loans to loans | 0.0614% | 4,994 |
| Net loans and leases to total assets | 67.1988% | 2,902 |
| Net loans and leases to deposits | 76.8908% | 3,216 |
| Net loans and leases to core deposits | 96.3691% | 1,893 |
| Total domestic deposits to total assets | 87.3951% | 1,933 |
| Equity capital to assets | 10.2516% | 3,447 |
| Core capital (leverage) ratio | 11.4516% | 1,967 |
| Tier 1 risk-based capital ratio | 12.8253% | 4,185 |
| Total risk-based capital ratio | 13.6218% | 4,344 |
| Memoranda: | ||
| Average total assets | $219,169,200 | 2,769 |
| Average earning assets | $203,795,800 | 2,753 |
| Average equity | $25,424,000 | 2,683 |
| Average total loans | $167,622,000 | 2,437 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 1,476 |
| Cost of funding earning assets | 0.4404% | 2,630 |
| Net interest margin | 4.0804% | 1,441 |
| Noninterest income to average assets | 0.2119% | 5,199 |
| Noninterest expense to average assets | 3.1831% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5110% | 4,656 |
| Return on assets (ROA) | 0.5110% | 4,757 |
| Pretax return on assets | 0.8115% | 4,274 |
| Return on Equity (ROE) | 4.1834% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.1834% | 3,343 |
| Net charge-offs to loans | -0.0282% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6842% | 1,475 |
| Assets per employee ($millions) | 6.2600% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 4,776 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 76.2561% | 1,486 |
| Net loans and leases to deposits | 88.0173% | 2,019 |
| Net loans and leases to core deposits | 111.8806% | 817 |
| Total domestic deposits to total assets | 86.6376% | 2,060 |
| Equity capital to assets | 11.2945% | 2,709 |
| Core capital (leverage) ratio | 11.5990% | 1,959 |
| Tier 1 risk-based capital ratio | 13.2626% | 4,001 |
| Total risk-based capital ratio | 14.4543% | 3,940 |
| Memoranda: | ||
| Average total assets | $188,114,000 | 3,089 |
| Average earning assets | $174,390,750 | 3,082 |
| Average equity | $22,979,250 | 2,914 |
| Average total loans | $151,339,750 | 2,624 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 1,127 |
| Cost of funding earning assets | 0.4470% | 2,596 |
| Net interest margin | 4.2194% | 1,078 |
| Noninterest income to average assets | 0.2286% | 5,121 |
| Noninterest expense to average assets | 3.0688% | 2,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6661% | 3,974 |
| Return on assets (ROA) | 0.6661% | 4,114 |
| Pretax return on assets | 1.0717% | 3,320 |
| Return on Equity (ROE) | 5.3014% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.3014% | 2,544 |
| Net charge-offs to loans | -0.0175% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1173% | 2,340 |
| Assets per employee ($millions) | 5.5772% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,646 |
| Loan loss allowance to noncurrent loans | 2,598.6842% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 4,622 |
| Noncurrent loans to loans | 0.0510% | 5,259 |
| Net loans and leases to total assets | 77.5487% | 1,253 |
| Net loans and leases to deposits | 90.5581% | 1,691 |
| Net loans and leases to core deposits | 113.8095% | 738 |
| Total domestic deposits to total assets | 85.6342% | 2,594 |
| Equity capital to assets | 12.2390% | 1,950 |
| Core capital (leverage) ratio | 12.5882% | 1,309 |
| Tier 1 risk-based capital ratio | 14.0065% | 3,601 |
| Total risk-based capital ratio | 15.2581% | 3,516 |
| Memoranda: | ||
| Average total assets | $181,959,000 | 3,172 |
| Average earning assets | $168,698,330 | 3,160 |
| Average equity | $22,861,670 | 2,933 |
| Average total loans | $148,612,000 | 2,668 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 1,426 |
| Cost of funding earning assets | 0.4514% | 2,567 |
| Net interest margin | 4.0792% | 1,396 |
| Noninterest income to average assets | 0.2223% | 5,145 |
| Noninterest expense to average assets | 3.0697% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6108% | 4,130 |
| Return on assets (ROA) | 0.6108% | 4,249 |
| Pretax return on assets | 0.9476% | 3,668 |
| Return on Equity (ROE) | 4.7954% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.7954% | 3,067 |
| Net charge-offs to loans | 0.0593% | 1,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.1818% | 1,520 |
| Efficiency ratio | 76.4114% | 2,121 |
| Assets per employee ($millions) | 5.9057% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 3,010 |
| Loan loss allowance to noncurrent loans | 2,552.6316% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,624 |
| Noncurrent loans to loans | 0.0501% | 5,288 |
| Net loans and leases to total assets | 84.5416% | 323 |
| Net loans and leases to deposits | 99.5534% | 656 |
| Net loans and leases to core deposits | 129.8461% | 273 |
| Total domestic deposits to total assets | 84.9209% | 3,156 |
| Equity capital to assets | 12.8903% | 1,466 |
| Core capital (leverage) ratio | 12.2459% | 1,465 |
| Tier 1 risk-based capital ratio | 13.8204% | 3,797 |
| Total risk-based capital ratio | 15.0575% | 3,747 |
| Memoranda: | ||
| Average total assets | $178,126,500 | 3,222 |
| Average earning assets | $165,718,500 | 3,205 |
| Average equity | $22,688,500 | 2,956 |
| Average total loans | $148,405,000 | 2,676 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 2,218 |
| Cost of funding earning assets | 0.4582% | 2,550 |
| Net interest margin | 3.8470% | 2,210 |
| Noninterest income to average assets | 0.2763% | 4,908 |
| Noninterest expense to average assets | 2.9954% | 2,562 |
| Loan and lease loss provision to assets | -0.0680% | 5,782 |
| Net operating income to assets | 0.6410% | 4,079 |
| Return on assets (ROA) | 0.6414% | 4,166 |
| Pretax return on assets | 0.9284% | 3,732 |
| Return on Equity (ROE) | 5.1923% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.4875% | 2,790 |
| Net charge-offs to loans | -0.1629% | 5,918 |
| Credit loss provision to net charge-offs | 52.1552% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6952% | 2,012 |
| Assets per employee ($millions) | 6.3958% | 1,143 |
| Cash dividends to net income (ytd only)* | 13.5727% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3523% | 2,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 4,851 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.9214% | 852 |
| Net loans and leases to deposits | 93.7725% | 1,219 |
| Net loans and leases to core deposits | 122.1445% | 424 |
| Total domestic deposits to total assets | 85.2290% | 2,985 |
| Equity capital to assets | 12.5859% | 1,577 |
| Core capital (leverage) ratio | 11.7033% | 1,816 |
| Tier 1 risk-based capital ratio | 14.5396% | 3,426 |
| Total risk-based capital ratio | 15.7925% | 3,336 |
| Memoranda: | ||
| Average total assets | $178,042,600 | 3,199 |
| Average earning assets | $165,635,800 | 3,183 |
| Average equity | $21,994,200 | 2,975 |
| Average total loans | $142,398,600 | 2,696 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 2,283 |
| Cost of funding earning assets | 0.4595% | 2,593 |
| Net interest margin | 3.8269% | 2,278 |
| Noninterest income to average assets | 0.2925% | 4,853 |
| Noninterest expense to average assets | 3.0493% | 2,366 |
| Loan and lease loss provision to assets | -0.0907% | 5,983 |
| Net operating income to assets | 0.6017% | 4,377 |
| Return on assets (ROA) | 0.6022% | 4,481 |
| Pretax return on assets | 0.8887% | 4,018 |
| Return on Equity (ROE) | 4.8982% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.9527% | 3,658 |
| Net charge-offs to loans | -0.1138% | 5,833 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2747% | 1,762 |
| Assets per employee ($millions) | 6.1560% | 1,271 |
| Cash dividends to net income (ytd only)* | 19.3025% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 3,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 5,045 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 76.3707% | 1,336 |
| Net loans and leases to deposits | 88.5351% | 1,832 |
| Net loans and leases to core deposits | 116.3061% | 577 |
| Total domestic deposits to total assets | 86.2604% | 2,406 |
| Equity capital to assets | 11.6336% | 2,391 |
| Core capital (leverage) ratio | 11.6684% | 1,908 |
| Tier 1 risk-based capital ratio | 14.1249% | 3,783 |
| Total risk-based capital ratio | 15.3665% | 3,717 |
| Memoranda: | ||
| Average total assets | $177,783,000 | 3,228 |
| Average earning assets | $165,109,750 | 3,212 |
| Average equity | $21,858,000 | 3,007 |
| Average total loans | $141,726,750 | 2,722 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 2,203 |
| Cost of funding earning assets | 0.4623% | 2,584 |
| Net interest margin | 3.8273% | 2,213 |
| Noninterest income to average assets | 0.3091% | 4,745 |
| Noninterest expense to average assets | 3.0652% | 2,351 |
| Loan and lease loss provision to assets | -0.1395% | 6,121 |
| Net operating income to assets | 0.6496% | 4,122 |
| Return on assets (ROA) | 0.6504% | 4,231 |
| Pretax return on assets | 0.9456% | 3,786 |
| Return on Equity (ROE) | 5.1877% | 4,528 |
| Retained earnings to average equity (ytd only) | 3.7620% | 3,611 |
| Net charge-offs to loans | -0.1731% | 5,983 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2014% | 1,879 |
| Assets per employee ($millions) | 5.7157% | 1,556 |
| Cash dividends to net income (ytd only)* | 27.4823% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 3,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 4,827 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 81.6673% | 588 |
| Net loans and leases to deposits | 95.5817% | 998 |
| Net loans and leases to core deposits | 119.6456% | 477 |
| Total domestic deposits to total assets | 85.4424% | 2,948 |
| Equity capital to assets | 12.3870% | 1,737 |
| Core capital (leverage) ratio | 12.4420% | 1,408 |
| Tier 1 risk-based capital ratio | 13.5847% | 4,169 |
| Total risk-based capital ratio | 14.7912% | 4,123 |
| Memoranda: | ||
| Average total assets | $173,432,330 | 3,300 |
| Average earning assets | $161,365,330 | 3,287 |
| Average equity | $21,743,670 | 3,027 |
| Average total loans | $139,771,330 | 2,751 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 2,209 |
| Cost of funding earning assets | 0.4630% | 2,646 |
| Net interest margin | 3.8025% | 2,227 |
| Noninterest income to average assets | 0.3731% | 4,221 |
| Noninterest expense to average assets | 3.0987% | 2,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5254% | 4,564 |
| Return on assets (ROA) | 0.5269% | 4,676 |
| Pretax return on assets | 0.7997% | 4,241 |
| Return on Equity (ROE) | 4.1772% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.1772% | 3,499 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5332% | 1,955 |
| Assets per employee ($millions) | 5.8477% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 3,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 4,898 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 78.3774% | 874 |
| Net loans and leases to deposits | 91.6935% | 1,225 |
| Net loans and leases to core deposits | 114.7585% | 553 |
| Total domestic deposits to total assets | 85.4776% | 3,187 |
| Equity capital to assets | 12.4048% | 1,752 |
| Core capital (leverage) ratio | 12.6165% | 1,312 |
| Tier 1 risk-based capital ratio | 14.4677% | 3,740 |
| Total risk-based capital ratio | 15.7175% | 3,664 |
| Memoranda: | ||
| Average total assets | $171,555,500 | 3,336 |
| Average earning assets | $158,946,500 | 3,336 |
| Average equity | $21,641,500 | 3,054 |
| Average total loans | $136,380,000 | 2,800 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 2,215 |
| Cost of funding earning assets | 0.4945% | 2,718 |
| Net interest margin | 3.9073% | 2,210 |
| Noninterest income to average assets | 0.2478% | 5,354 |
| Noninterest expense to average assets | 3.0490% | 2,693 |
| Loan and lease loss provision to assets | 0.0274% | 4,057 |
| Net operating income to assets | 0.5567% | 4,573 |
| Return on assets (ROA) | 0.5601% | 4,652 |
| Pretax return on assets | 0.8036% | 4,245 |
| Return on Equity (ROE) | 4.3759% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.3759% | 3,064 |
| Net charge-offs to loans | -0.0564% | 5,964 |
| Credit loss provision to net charge-offs | -60.8108% | 5,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6803% | 2,105 |
| Assets per employee ($millions) | 5.5893% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 3,008 |
| Loan loss allowance to noncurrent loans | 438.6256% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 3,673 |
| Noncurrent loans to loans | 0.3163% | 4,710 |
| Net loans and leases to total assets | 78.4588% | 942 |
| Net loans and leases to deposits | 92.2334% | 1,264 |
| Net loans and leases to core deposits | 116.5425% | 512 |
| Total domestic deposits to total assets | 85.0655% | 3,261 |
| Equity capital to assets | 12.8346% | 1,447 |
| Core capital (leverage) ratio | 12.6346% | 1,291 |
| Tier 1 risk-based capital ratio | 16.2825% | 2,818 |
| Total risk-based capital ratio | 17.5351% | 2,761 |
| Memoranda: | ||
| Average total assets | $164,252,600 | 3,424 |
| Average earning assets | $152,483,600 | 3,401 |
| Average equity | $21,024,200 | 3,051 |
| Average total loans | $131,310,000 | 2,844 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 2,362 |
| Cost of funding earning assets | 0.4885% | 2,878 |
| Net interest margin | 3.8781% | 2,328 |
| Noninterest income to average assets | 0.2513% | 5,420 |
| Noninterest expense to average assets | 3.0412% | 2,669 |
| Loan and lease loss provision to assets | 0.0367% | 3,669 |
| Net operating income to assets | 0.5405% | 4,709 |
| Return on assets (ROA) | 0.5451% | 4,768 |
| Pretax return on assets | 0.7752% | 4,450 |
| Return on Equity (ROE) | 4.2614% | 5,052 |
| Retained earnings to average equity (ytd only) | 4.2614% | 3,617 |
| Net charge-offs to loans | -0.2284% | 6,332 |
| Credit loss provision to net charge-offs | -20.0893% | 5,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0624% | 2,046 |
| Assets per employee ($millions) | 5.7405% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 2,695 |
| Loan loss allowance to noncurrent loans | 1,334.0000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 4,469 |
| Noncurrent loans to loans | 0.1126% | 5,590 |
| Net loans and leases to total assets | 78.8160% | 859 |
| Net loans and leases to deposits | 92.5754% | 1,174 |
| Net loans and leases to core deposits | 116.3923% | 491 |
| Total domestic deposits to total assets | 85.1371% | 3,285 |
| Equity capital to assets | 12.7749% | 1,543 |
| Core capital (leverage) ratio | 12.7781% | 1,272 |
| Tier 1 risk-based capital ratio | 16.2231% | 2,945 |
| Total risk-based capital ratio | 17.4768% | 2,899 |
| Memoranda: | ||
| Average total assets | $163,396,000 | 3,467 |
| Average earning assets | $151,480,750 | 3,440 |
| Average equity | $20,900,000 | 3,075 |
| Average total loans | $130,785,000 | 2,860 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3777% | 2,261 |
| Cost of funding earning assets | 0.4769% | 3,050 |
| Net interest margin | 3.9007% | 2,165 |
| Noninterest income to average assets | 0.2513% | 5,400 |
| Noninterest expense to average assets | 3.0301% | 2,726 |
| Loan and lease loss provision to assets | 0.0554% | 3,186 |
| Net operating income to assets | 0.5510% | 4,600 |
| Return on assets (ROA) | 0.5580% | 4,660 |
| Pretax return on assets | 0.7822% | 4,341 |
| Return on Equity (ROE) | 4.3605% | 4,994 |
| Retained earnings to average equity (ytd only) | 4.3605% | 3,402 |
| Net charge-offs to loans | -0.1954% | 6,334 |
| Credit loss provision to net charge-offs | -35.4331% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5441% | 2,222 |
| Assets per employee ($millions) | 5.3186% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 3,063 |
| Loan loss allowance to noncurrent loans | 2,441.0256% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.4613% | 4,612 |
| Noncurrent loans to loans | 0.0599% | 5,854 |
| Net loans and leases to total assets | 80.3696% | 644 |
| Net loans and leases to deposits | 94.9517% | 885 |
| Net loans and leases to core deposits | 118.5733% | 409 |
| Total domestic deposits to total assets | 84.6427% | 3,661 |
| Equity capital to assets | 13.1782% | 1,276 |
| Core capital (leverage) ratio | 13.4222% | 1,003 |
| Tier 1 risk-based capital ratio | 16.4033% | 2,876 |
| Total risk-based capital ratio | 17.6565% | 2,830 |
| Memoranda: | ||
| Average total assets | $162,369,670 | 3,506 |
| Average earning assets | $150,126,000 | 3,482 |
| Average equity | $20,777,670 | 3,084 |
| Average total loans | $129,976,670 | 2,871 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2101% | 2,839 |
| Cost of funding earning assets | 0.4754% | 3,176 |
| Net interest margin | 3.7347% | 2,726 |
| Noninterest income to average assets | 0.2296% | 5,519 |
| Noninterest expense to average assets | 2.9602% | 3,017 |
| Loan and lease loss provision to assets | 0.1099% | 2,102 |
| Net operating income to assets | 0.4689% | 4,848 |
| Return on assets (ROA) | 0.4689% | 4,921 |
| Pretax return on assets | 0.6130% | 4,787 |
| Return on Equity (ROE) | 3.7186% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.7186% | 3,900 |
| Net charge-offs to loans | -0.2002% | 6,381 |
| Credit loss provision to net charge-offs | -69.2308% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3714% | 2,150 |
| Assets per employee ($millions) | 5.8116% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 3,604 |
| Loan loss allowance to noncurrent loans | 811.4537% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 4,380 |
| Noncurrent loans to loans | 0.1724% | 5,573 |
| Net loans and leases to total assets | 82.7357% | 314 |
| Net loans and leases to deposits | 97.7914% | 557 |
| Net loans and leases to core deposits | 124.5830% | 246 |
| Total domestic deposits to total assets | 84.6042% | 4,043 |
| Equity capital to assets | 13.2252% | 1,199 |
| Core capital (leverage) ratio | 12.8361% | 1,231 |
| Tier 1 risk-based capital ratio | 15.6480% | 3,360 |
| Total risk-based capital ratio | 16.8999% | 3,322 |
| Memoranda: | ||
| Average total assets | $163,775,000 | 3,499 |
| Average earning assets | $151,446,500 | 3,480 |
| Average equity | $20,653,000 | 3,102 |
| Average total loans | $129,894,500 | 2,881 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 2,357 |
| Cost of funding earning assets | 0.5131% | 3,471 |
| Net interest margin | 3.9476% | 2,112 |
| Noninterest income to average assets | 0.0068% | 6,633 |
| Noninterest expense to average assets | 3.0261% | 2,976 |
| Loan and lease loss provision to assets | 0.0101% | 4,923 |
| Net operating income to assets | 0.9815% | 2,417 |
| Return on assets (ROA) | 0.9815% | 2,484 |
| Pretax return on assets | 0.5745% | 4,953 |
| Return on Equity (ROE) | 7.3356% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.3356% | 1,298 |
| Net charge-offs to loans | 0.2960% | 2,210 |
| Credit loss provision to net charge-offs | 4.3228% | 4,660 |
| Earnings coverage of net charge-offs (x) | 2.4928% | 4,180 |
| Efficiency ratio | 83.8076% | 1,646 |
| Assets per employee ($millions) | 6.5630% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 3,886 |
| Loan loss allowance to noncurrent loans | 581.2081% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.5849% | 4,482 |
| Noncurrent loans to loans | 0.2326% | 5,487 |
| Net loans and leases to total assets | 74.0707% | 1,338 |
| Net loans and leases to deposits | 86.1427% | 1,667 |
| Net loans and leases to core deposits | 112.0238% | 539 |
| Total domestic deposits to total assets | 85.9860% | 3,263 |
| Equity capital to assets | 12.0455% | 1,772 |
| Core capital (leverage) ratio | 13.5001% | 957 |
| Tier 1 risk-based capital ratio | 15.9644% | 3,110 |
| Total risk-based capital ratio | 17.2163% | 3,070 |
| Memoranda: | ||
| Average total assets | $147,944,000 | 3,740 |
| Average earning assets | $135,069,000 | 3,736 |
| Average equity | $19,794,000 | 3,175 |
| Average total loans | $117,213,200 | 3,098 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 1,995 |
| Cost of funding earning assets | 0.5457% | 3,309 |
| Net interest margin | 4.0180% | 1,887 |
| Noninterest income to average assets | -0.0806% | 6,803 |
| Noninterest expense to average assets | 3.1404% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9072% | 2,798 |
| Return on assets (ROA) | 0.9072% | 2,905 |
| Pretax return on assets | 0.4292% | 5,557 |
| Return on Equity (ROE) | 6.5835% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.5835% | 2,089 |
| Net charge-offs to loans | 0.3867% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.3795% | 4,374 |
| Efficiency ratio | 87.9758% | 1,181 |
| Assets per employee ($millions) | 5.8218% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 3,703 |
| Loan loss allowance to noncurrent loans | 195.2649% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.4202% | 2,827 |
| Noncurrent loans to loans | 0.7401% | 4,369 |
| Net loans and leases to total assets | 81.1562% | 436 |
| Net loans and leases to deposits | 97.0607% | 620 |
| Net loans and leases to core deposits | 120.4855% | 312 |
| Total domestic deposits to total assets | 83.6139% | 4,343 |
| Equity capital to assets | 13.7945% | 1,022 |
| Core capital (leverage) ratio | 13.7247% | 945 |
| Tier 1 risk-based capital ratio | 16.4351% | 2,974 |
| Total risk-based capital ratio | 17.6876% | 2,937 |
| Memoranda: | ||
| Average total assets | $142,270,750 | 3,886 |
| Average earning assets | $129,248,250 | 3,901 |
| Average equity | $19,604,000 | 3,229 |
| Average total loans | $114,485,500 | 3,175 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 1,930 |
| Cost of funding earning assets | 0.5605% | 3,302 |
| Net interest margin | 4.0128% | 1,810 |
| Noninterest income to average assets | -0.2323% | 6,878 |
| Noninterest expense to average assets | 3.0670% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8231% | 3,177 |
| Return on assets (ROA) | 0.8231% | 3,340 |
| Pretax return on assets | 0.3414% | 5,771 |
| Return on Equity (ROE) | 5.9754% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.9754% | 2,459 |
| Net charge-offs to loans | 0.4809% | 1,372 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.8893% | 4,229 |
| Efficiency ratio | 89.9834% | 1,054 |
| Assets per employee ($millions) | 5.6185% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 3,263 |
| Loan loss allowance to noncurrent loans | 100.2796% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 2.1130% | 2,042 |
| Noncurrent loans to loans | 1.5669% | 2,960 |
| Net loans and leases to total assets | 79.9654% | 543 |
| Net loans and leases to deposits | 95.9394% | 678 |
| Net loans and leases to core deposits | 131.6267% | 175 |
| Total domestic deposits to total assets | 83.3499% | 4,568 |
| Equity capital to assets | 14.0145% | 966 |
| Core capital (leverage) ratio | 13.8552% | 862 |
| Tier 1 risk-based capital ratio | 17.0106% | 2,712 |
| Total risk-based capital ratio | 18.2654% | 2,679 |
| Memoranda: | ||
| Average total assets | $141,179,670 | 3,925 |
| Average earning assets | $128,089,330 | 3,944 |
| Average equity | $19,446,330 | 3,268 |
| Average total loans | $112,697,330 | 3,217 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 2,067 |
| Cost of funding earning assets | 0.5874% | 3,238 |
| Net interest margin | 3.9418% | 1,968 |
| Noninterest income to average assets | 0.1837% | 6,162 |
| Noninterest expense to average assets | 3.0776% | 2,744 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1333% | 1,731 |
| Return on assets (ROA) | 1.1333% | 1,850 |
| Pretax return on assets | 0.6528% | 4,771 |
| Return on Equity (ROE) | 8.2993% | 2,819 |
| Retained earnings to average equity (ytd only) | 8.2993% | 1,642 |
| Net charge-offs to loans | 0.1607% | 2,440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.1333% | 2,407 |
| Efficiency ratio | 82.5000% | 1,964 |
| Assets per employee ($millions) | 5.9776% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 2,709 |
| Loan loss allowance to noncurrent loans | 67.8200% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 5.2682% | 666 |
| Noncurrent loans to loans | 2.6191% | 1,964 |
| Net loans and leases to total assets | 81.2059% | 332 |
| Net loans and leases to deposits | 95.0025% | 605 |
| Net loans and leases to core deposits | 128.3804% | 187 |
| Total domestic deposits to total assets | 85.4777% | 3,810 |
| Equity capital to assets | 14.1994% | 963 |
| Core capital (leverage) ratio | 13.8968% | 826 |
| Tier 1 risk-based capital ratio | 17.1727% | 2,684 |
| Total risk-based capital ratio | 18.4301% | 2,653 |
| Memoranda: | ||
| Average total assets | $141,538,500 | 3,956 |
| Average earning assets | $127,351,500 | 3,993 |
| Average equity | $19,327,000 | 3,333 |
| Average total loans | $111,989,000 | 3,249 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5882% | 3,051 |
| Cost of funding earning assets | 0.7726% | 2,891 |
| Net interest margin | 3.8156% | 3,160 |
| Noninterest income to average assets | 0.1252% | 6,409 |
| Noninterest expense to average assets | 3.1994% | 2,615 |
| Loan and lease loss provision to assets | -0.5891% | 7,050 |
| Net operating income to assets | 1.1855% | 1,650 |
| Return on assets (ROA) | 1.1855% | 1,811 |
| Pretax return on assets | 1.0603% | 3,319 |
| Return on Equity (ROE) | 8.9664% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.9664% | 834 |
| Net charge-offs to loans | -0.3222% | 6,983 |
| Credit loss provision to net charge-offs | 235.2941% | 1,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1615% | 1,314 |
| Assets per employee ($millions) | 6.3301% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8710% | 2,382 |
| Loan loss allowance to noncurrent loans | 61.3920% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 4.9907% | 779 |
| Noncurrent loans to loans | 3.0477% | 1,708 |
| Net loans and leases to total assets | 74.3509% | 1,146 |
| Net loans and leases to deposits | 87.2694% | 1,354 |
| Net loans and leases to core deposits | 115.6803% | 368 |
| Total domestic deposits to total assets | 85.1970% | 3,770 |
| Equity capital to assets | 13.1408% | 1,378 |
| Core capital (leverage) ratio | 13.3434% | 1,005 |
| Tier 1 risk-based capital ratio | 16.5181% | 2,878 |
| Total risk-based capital ratio | 17.7753% | 2,852 |
| Memoranda: | ||
| Average total assets | $135,804,600 | 4,025 |
| Average earning assets | $126,192,600 | 3,976 |
| Average equity | $17,956,000 | 3,473 |
| Average total loans | $105,540,400 | 3,384 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6843% | 2,864 |
| Cost of funding earning assets | 0.7987% | 2,952 |
| Net interest margin | 3.8857% | 2,965 |
| Noninterest income to average assets | 0.1190% | 6,545 |
| Noninterest expense to average assets | 3.3103% | 2,244 |
| Loan and lease loss provision to assets | 0.0600% | 4,973 |
| Net operating income to assets | 0.3919% | 5,279 |
| Return on assets (ROA) | 0.3919% | 5,492 |
| Pretax return on assets | 0.3919% | 5,737 |
| Return on Equity (ROE) | 2.9592% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.9592% | 4,781 |
| Net charge-offs to loans | 0.1150% | 4,230 |
| Credit loss provision to net charge-offs | 66.6667% | 3,990 |
| Earnings coverage of net charge-offs (x) | 5.0221% | 3,135 |
| Efficiency ratio | 87.9883% | 1,195 |
| Assets per employee ($millions) | 5.7969% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5158% | 1,191 |
| Loan loss allowance to noncurrent loans | 65.2026% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 5.3477% | 809 |
| Noncurrent loans to loans | 3.8585% | 1,353 |
| Net loans and leases to total assets | 69.4615% | 2,023 |
| Net loans and leases to deposits | 81.2755% | 2,211 |
| Net loans and leases to core deposits | 108.2572% | 641 |
| Total domestic deposits to total assets | 85.4643% | 3,530 |
| Equity capital to assets | 12.8811% | 1,652 |
| Core capital (leverage) ratio | 12.6818% | 1,329 |
| Tier 1 risk-based capital ratio | 16.7961% | 2,844 |
| Total risk-based capital ratio | 18.0604% | 2,783 |
| Memoranda: | ||
| Average total assets | $133,357,750 | 4,110 |
| Average earning assets | $125,037,750 | 4,039 |
| Average equity | $17,662,000 | 3,550 |
| Average total loans | $104,347,250 | 3,448 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7528% | 2,708 |
| Cost of funding earning assets | 0.8039% | 3,158 |
| Net interest margin | 3.9488% | 2,723 |
| Noninterest income to average assets | 0.1156% | 6,611 |
| Noninterest expense to average assets | 3.4770% | 1,839 |
| Loan and lease loss provision to assets | 0.0913% | 4,425 |
| Net operating income to assets | 0.2769% | 5,683 |
| Return on assets (ROA) | 0.2769% | 5,880 |
| Pretax return on assets | 0.2769% | 5,999 |
| Return on Equity (ROE) | 2.0710% | 6,024 |
| Retained earnings to average equity (ytd only) | 2.0710% | 5,167 |
| Net charge-offs to loans | 0.4166% | 2,368 |
| Credit loss provision to net charge-offs | 27.1493% | 4,482 |
| Earnings coverage of net charge-offs (x) | 1.0950% | 4,470 |
| Efficiency ratio | 90.4234% | 1,044 |
| Assets per employee ($millions) | 5.6375% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2416% | 1,689 |
| Loan loss allowance to noncurrent loans | 61.7778% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 5.4989% | 812 |
| Noncurrent loans to loans | 3.6285% | 1,578 |
| Net loans and leases to total assets | 76.1657% | 948 |
| Net loans and leases to deposits | 89.3247% | 1,215 |
| Net loans and leases to core deposits | 121.7660% | 283 |
| Total domestic deposits to total assets | 85.2684% | 3,729 |
| Equity capital to assets | 13.0886% | 1,474 |
| Core capital (leverage) ratio | 13.5386% | 966 |
| Tier 1 risk-based capital ratio | 16.0713% | 3,132 |
| Total risk-based capital ratio | 17.3331% | 3,092 |
| Memoranda: | ||
| Average total assets | $131,435,000 | 4,178 |
| Average earning assets | $124,138,330 | 4,075 |
| Average equity | $17,575,670 | 3,560 |
| Average total loans | $106,085,330 | 3,428 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 2,409 |
| Cost of funding earning assets | 0.8529% | 3,040 |
| Net interest margin | 4.0051% | 2,480 |
| Noninterest income to average assets | 0.1174% | 6,668 |
| Noninterest expense to average assets | 3.7652% | 1,263 |
| Loan and lease loss provision to assets | 0.0927% | 4,190 |
| Net operating income to assets | 0.0741% | 6,286 |
| Return on assets (ROA) | 0.0741% | 6,405 |
| Pretax return on assets | 0.0741% | 6,420 |
| Return on Equity (ROE) | 0.5483% | 6,428 |
| Retained earnings to average equity (ytd only) | 0.5483% | 5,824 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7581% | 731 |
| Assets per employee ($millions) | 5.8578% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3841% | 1,533 |
| Loan loss allowance to noncurrent loans | 122.4353% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 4.4191% | 1,221 |
| Noncurrent loans to loans | 1.9473% | 3,225 |
| Net loans and leases to total assets | 81.1433% | 329 |
| Net loans and leases to deposits | 95.9314% | 542 |
| Net loans and leases to core deposits | 130.8577% | 194 |
| Total domestic deposits to total assets | 84.5847% | 4,229 |
| Equity capital to assets | 13.6182% | 1,191 |
| Core capital (leverage) ratio | 13.4965% | 955 |
| Tier 1 risk-based capital ratio | 15.8640% | 3,239 |
| Total risk-based capital ratio | 17.1274% | 3,206 |
| Memoranda: | ||
| Average total assets | $129,502,000 | 4,246 |
| Average earning assets | $123,341,500 | 4,120 |
| Average equity | $17,509,000 | 3,570 |
| Average total loans | $106,420,000 | 3,445 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 3,633 |
| Cost of funding earning assets | 0.9319% | 3,855 |
| Net interest margin | 3.9066% | 3,310 |
| Noninterest income to average assets | 0.1153% | 6,573 |
| Noninterest expense to average assets | 3.1955% | 2,885 |
| Loan and lease loss provision to assets | 0.2182% | 4,009 |
| Net operating income to assets | 0.4776% | 4,515 |
| Return on assets (ROA) | 0.4776% | 4,723 |
| Pretax return on assets | 0.4776% | 5,054 |
| Return on Equity (ROE) | 3.3899% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.3899% | 3,810 |
| Net charge-offs to loans | 0.0916% | 5,424 |
| Credit loss provision to net charge-offs | 297.7528% | 792 |
| Earnings coverage of net charge-offs (x) | 9.4944% | 1,970 |
| Efficiency ratio | 82.1202% | 2,002 |
| Assets per employee ($millions) | 6.5066% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3876% | 1,479 |
| Loan loss allowance to noncurrent loans | 46.8535% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 4.1396% | 1,377 |
| Noncurrent loans to loans | 5.0958% | 1,102 |
| Net loans and leases to total assets | 79.2972% | 566 |
| Net loans and leases to deposits | 93.4430% | 852 |
| Net loans and leases to core deposits | 128.8953% | 246 |
| Total domestic deposits to total assets | 84.8615% | 3,919 |
| Equity capital to assets | 13.4233% | 1,308 |
| Core capital (leverage) ratio | 13.3287% | 1,031 |
| Tier 1 risk-based capital ratio | 16.5352% | 2,805 |
| Total risk-based capital ratio | 17.8003% | 2,766 |
| Memoranda: | ||
| Average total assets | $121,450,600 | 4,358 |
| Average earning assets | $117,390,200 | 4,200 |
| Average equity | $17,109,400 | 3,562 |
| Average total loans | $97,172,000 | 3,694 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 3,742 |
| Cost of funding earning assets | 0.9522% | 4,026 |
| Net interest margin | 3.9058% | 3,352 |
| Noninterest income to average assets | 0.1140% | 6,688 |
| Noninterest expense to average assets | 3.2036% | 2,822 |
| Loan and lease loss provision to assets | 0.2515% | 3,495 |
| Net operating income to assets | 0.4326% | 4,849 |
| Return on assets (ROA) | 0.4326% | 5,042 |
| Pretax return on assets | 0.4326% | 5,366 |
| Return on Equity (ROE) | 3.0317% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.0317% | 4,524 |
| Net charge-offs to loans | 0.1249% | 4,791 |
| Credit loss provision to net charge-offs | 252.8090% | 1,135 |
| Earnings coverage of net charge-offs (x) | 6.8766% | 2,462 |
| Efficiency ratio | 82.4037% | 1,910 |
| Assets per employee ($millions) | 6.3770% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5325% | 1,347 |
| Loan loss allowance to noncurrent loans | 44.6041% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 4.3665% | 1,381 |
| Noncurrent loans to loans | 5.6778% | 1,016 |
| Net loans and leases to total assets | 74.9569% | 1,148 |
| Net loans and leases to deposits | 88.4989% | 1,376 |
| Net loans and leases to core deposits | 121.5234% | 350 |
| Total domestic deposits to total assets | 84.6981% | 3,914 |
| Equity capital to assets | 13.5550% | 1,349 |
| Core capital (leverage) ratio | 13.8255% | 947 |
| Tier 1 risk-based capital ratio | 17.2026% | 2,562 |
| Total risk-based capital ratio | 18.4685% | 2,517 |
| Memoranda: | ||
| Average total assets | $119,280,250 | 4,449 |
| Average earning assets | $115,243,750 | 4,277 |
| Average equity | $17,019,750 | 3,582 |
| Average total loans | $95,036,250 | 3,779 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 3,445 |
| Cost of funding earning assets | 0.9822% | 4,070 |
| Net interest margin | 3.9573% | 3,055 |
| Noninterest income to average assets | 0.1150% | 6,758 |
| Noninterest expense to average assets | 3.3022% | 2,555 |
| Loan and lease loss provision to assets | 0.2832% | 3,116 |
| Net operating income to assets | 0.3467% | 5,184 |
| Return on assets (ROA) | 0.3467% | 5,320 |
| Pretax return on assets | 0.3467% | 5,559 |
| Return on Equity (ROE) | 2.3863% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.3863% | 4,773 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9808% | 1,813 |
| Assets per employee ($millions) | 6.0203% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6208% | 1,285 |
| Loan loss allowance to noncurrent loans | 54.9650% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 3.7972% | 1,707 |
| Noncurrent loans to loans | 4.7681% | 1,381 |
| Net loans and leases to total assets | 77.5501% | 837 |
| Net loans and leases to deposits | 92.3892% | 1,008 |
| Net loans and leases to core deposits | 127.2174% | 300 |
| Total domestic deposits to total assets | 83.9385% | 4,375 |
| Equity capital to assets | 14.2335% | 1,019 |
| Core capital (leverage) ratio | 14.1265% | 841 |
| Tier 1 risk-based capital ratio | 17.4096% | 2,371 |
| Total risk-based capital ratio | 18.6769% | 2,333 |
| Memoranda: | ||
| Average total assets | $116,527,000 | 4,548 |
| Average earning assets | $112,399,000 | 4,372 |
| Average equity | $16,930,330 | 3,583 |
| Average total loans | $94,020,330 | 3,838 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8781% | 3,696 |
| Cost of funding earning assets | 0.9894% | 4,274 |
| Net interest margin | 3.8887% | 3,200 |
| Noninterest income to average assets | 0.1082% | 6,866 |
| Noninterest expense to average assets | 3.4105% | 2,254 |
| Loan and lease loss provision to assets | 0.3665% | 2,369 |
| Net operating income to assets | 0.0768% | 6,153 |
| Return on assets (ROA) | 0.0768% | 6,209 |
| Pretax return on assets | 0.0768% | 6,221 |
| Return on Equity (ROE) | 0.5230% | 6,257 |
| Retained earnings to average equity (ytd only) | 0.5230% | 5,615 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4964% | 1,460 |
| Assets per employee ($millions) | 5.9826% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5358% | 1,411 |
| Loan loss allowance to noncurrent loans | 53.5005% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 3.8319% | 1,750 |
| Noncurrent loans to loans | 4.7398% | 1,453 |
| Net loans and leases to total assets | 78.7968% | 641 |
| Net loans and leases to deposits | 93.7570% | 855 |
| Net loans and leases to core deposits | 132.9020% | 241 |
| Total domestic deposits to total assets | 84.0437% | 4,475 |
| Equity capital to assets | 14.0884% | 982 |
| Core capital (leverage) ratio | 14.6872% | 711 |
| Tier 1 risk-based capital ratio | 17.0953% | 2,436 |
| Total risk-based capital ratio | 18.3614% | 2,408 |
| Memoranda: | ||
| Average total assets | $114,587,500 | 4,629 |
| Average earning assets | $110,370,500 | 4,454 |
| Average equity | $16,826,500 | 3,589 |
| Average total loans | $93,086,500 | 3,899 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1135% | 4,044 |
| Cost of funding earning assets | 1.0562% | 5,389 |
| Net interest margin | 4.0572% | 2,769 |
| Noninterest income to average assets | 0.1042% | 6,876 |
| Noninterest expense to average assets | 3.1178% | 3,392 |
| Loan and lease loss provision to assets | 3.5677% | 215 |
| Net operating income to assets | -2.7454% | 7,236 |
| Return on assets (ROA) | -2.7178% | 7,248 |
| Pretax return on assets | -2.7178% | 7,225 |
| Return on Equity (ROE) | -16.2689% | 6,956 |
| Retained earnings to average equity (ytd only) | -16.2689% | 6,924 |
| Net charge-offs to loans | 3.6306% | 382 |
| Credit loss provision to net charge-offs | 122.8528% | 3,393 |
| Earnings coverage of net charge-offs (x) | 0.2831% | 5,823 |
| Efficiency ratio | 79.1318% | 2,516 |
| Assets per employee ($millions) | 5.4762% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6253% | 1,265 |
| Loan loss allowance to noncurrent loans | 52.5750% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 4.7625% | 1,372 |
| Noncurrent loans to loans | 4.9934% | 1,348 |
| Net loans and leases to total assets | 79.5175% | 730 |
| Net loans and leases to deposits | 96.2437% | 851 |
| Net loans and leases to core deposits | 142.5928% | 210 |
| Total domestic deposits to total assets | 82.6210% | 4,965 |
| Equity capital to assets | 15.3356% | 713 |
| Core capital (leverage) ratio | 13.9578% | 853 |
| Tier 1 risk-based capital ratio | 17.3552% | 2,218 |
| Total risk-based capital ratio | 18.6204% | 2,181 |
| Memoranda: | ||
| Average total assets | $112,258,600 | 4,652 |
| Average earning assets | $106,131,600 | 4,559 |
| Average equity | $18,753,600 | 3,307 |
| Average total loans | $89,793,400 | 4,059 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 4,356 |
| Cost of funding earning assets | 1.0228% | 5,833 |
| Net interest margin | 4.0710% | 2,755 |
| Noninterest income to average assets | 0.1039% | 7,028 |
| Noninterest expense to average assets | 3.0835% | 3,410 |
| Loan and lease loss provision to assets | 2.0470% | 579 |
| Net operating income to assets | -1.1970% | 6,989 |
| Return on assets (ROA) | -1.1604% | 7,002 |
| Pretax return on assets | -1.1604% | 6,925 |
| Return on Equity (ROE) | -6.8109% | 6,777 |
| Retained earnings to average equity (ytd only) | -6.8109% | 6,699 |
| Net charge-offs to loans | 2.1405% | 858 |
| Credit loss provision to net charge-offs | 120.1663% | 3,433 |
| Earnings coverage of net charge-offs (x) | 0.4990% | 5,523 |
| Efficiency ratio | 78.3914% | 2,568 |
| Assets per employee ($millions) | 7.0602% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 2,008 |
| Loan loss allowance to noncurrent loans | 37.8649% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 4.1675% | 1,648 |
| Noncurrent loans to loans | 5.5329% | 1,194 |
| Net loans and leases to total assets | 73.7442% | 1,849 |
| Net loans and leases to deposits | 89.4655% | 1,792 |
| Net loans and leases to core deposits | 151.4830% | 182 |
| Total domestic deposits to total assets | 82.4275% | 4,827 |
| Equity capital to assets | 15.7278% | 725 |
| Core capital (leverage) ratio | 16.3457% | 511 |
| Tier 1 risk-based capital ratio | 19.3015% | 1,686 |
| Total risk-based capital ratio | 20.5599% | 1,652 |
| Memoranda: | ||
| Average total assets | $112,942,500 | 4,696 |
| Average earning assets | $106,244,000 | 4,610 |
| Average equity | $19,243,000 | 3,286 |
| Average total loans | $89,882,250 | 4,122 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2794% | 3,565 |
| Cost of funding earning assets | 0.9941% | 6,168 |
| Net interest margin | 4.2853% | 1,836 |
| Noninterest income to average assets | 0.1049% | 7,076 |
| Noninterest expense to average assets | 3.1452% | 3,119 |
| Loan and lease loss provision to assets | 3.1361% | 308 |
| Net operating income to assets | -2.1848% | 7,350 |
| Return on assets (ROA) | -2.1758% | 7,356 |
| Pretax return on assets | -2.1758% | 7,285 |
| Return on Equity (ROE) | -12.4245% | 7,053 |
| Retained earnings to average equity (ytd only) | -12.4245% | 7,011 |
| Net charge-offs to loans | 0.7959% | 2,256 |
| Credit loss provision to net charge-offs | 485.7143% | 765 |
| Earnings coverage of net charge-offs (x) | 1.4734% | 4,382 |
| Efficiency ratio | 76.7770% | 2,939 |
| Assets per employee ($millions) | 6.1674% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2969% | 643 |
| Loan loss allowance to noncurrent loans | 123.9601% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 2.1655% | 3,300 |
| Noncurrent loans to loans | 2.6596% | 2,981 |
| Net loans and leases to total assets | 78.7367% | 1,005 |
| Net loans and leases to deposits | 99.5989% | 759 |
| Net loans and leases to core deposits | 179.4052% | 119 |
| Total domestic deposits to total assets | 79.0538% | 6,023 |
| Equity capital to assets | 16.7422% | 565 |
| Core capital (leverage) ratio | 17.2608% | 415 |
| Tier 1 risk-based capital ratio | 18.8643% | 1,749 |
| Total risk-based capital ratio | 20.1365% | 1,716 |
| Memoranda: | ||
| Average total assets | $110,582,330 | 4,786 |
| Average earning assets | $103,004,330 | 4,721 |
| Average equity | $19,365,000 | 3,260 |
| Average total loans | $89,708,330 | 4,147 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2243% | 3,903 |
| Cost of funding earning assets | 0.9649% | 6,524 |
| Net interest margin | 4.2594% | 1,827 |
| Noninterest income to average assets | 0.0979% | 7,216 |
| Noninterest expense to average assets | 3.2147% | 2,803 |
| Loan and lease loss provision to assets | 0.4965% | 2,518 |
| Net operating income to assets | 0.4023% | 4,828 |
| Return on assets (ROA) | 0.4204% | 4,894 |
| Pretax return on assets | 0.4204% | 5,226 |
| Return on Equity (ROE) | 2.3488% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.3488% | 4,733 |
| Net charge-offs to loans | 0.4342% | 2,749 |
| Credit loss provision to net charge-offs | 141.2371% | 2,513 |
| Earnings coverage of net charge-offs (x) | 2.5567% | 3,265 |
| Efficiency ratio | 78.1498% | 2,866 |
| Assets per employee ($millions) | 6.4674% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 2,503 |
| Loan loss allowance to noncurrent loans | 69.7368% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.1429% | 3,333 |
| Noncurrent loans to loans | 2.6983% | 2,974 |
| Net loans and leases to total assets | 77.9201% | 1,170 |
| Net loans and leases to deposits | 100.2985% | 735 |
| Net loans and leases to core deposits | 187.4945% | 115 |
| Total domestic deposits to total assets | 77.6881% | 6,402 |
| Equity capital to assets | 18.0407% | 419 |
| Core capital (leverage) ratio | 17.6537% | 388 |
| Tier 1 risk-based capital ratio | 20.4965% | 1,430 |
| Total risk-based capital ratio | 21.7517% | 1,396 |
| Memoranda: | ||
| Average total assets | $110,367,000 | 4,864 |
| Average earning assets | $104,053,000 | 4,755 |
| Average equity | $19,754,500 | 3,228 |
| Average total loans | $89,368,500 | 4,212 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 5,952 |
| Cost of funding earning assets | 1.2392% | 6,512 |
| Net interest margin | 3.8922% | 3,297 |
| Noninterest income to average assets | 0.1352% | 7,079 |
| Noninterest expense to average assets | 3.2788% | 3,085 |
| Loan and lease loss provision to assets | 0.7377% | 2,901 |
| Net operating income to assets | -0.1726% | 5,802 |
| Return on assets (ROA) | 0.0555% | 5,375 |
| Pretax return on assets | 0.0555% | 5,310 |
| Return on Equity (ROE) | 0.2830% | 5,446 |
| Retained earnings to average equity (ytd only) | 0.2830% | 4,751 |
| Net charge-offs to loans | 0.1244% | 5,945 |
| Credit loss provision to net charge-offs | 731.0000% | 396 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,548 |
| Efficiency ratio | 85.2980% | 2,188 |
| Assets per employee ($millions) | 6.5169% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 2,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 81.0747% | 830 |
| Net loans and leases to deposits | 103.9655% | 647 |
| Net loans and leases to core deposits | 185.9379% | 136 |
| Total domestic deposits to total assets | 77.9823% | 6,223 |
| Equity capital to assets | 17.7582% | 466 |
| Core capital (leverage) ratio | 17.2046% | 468 |
| Tier 1 risk-based capital ratio | 19.7927% | 1,495 |
| Total risk-based capital ratio | 21.0472% | 1,459 |
| Memoranda: | ||
| Average total assets | $99,090,400 | 5,109 |
| Average earning assets | $94,418,600 | 4,995 |
| Average equity | $19,436,400 | 3,288 |
| Average total loans | $80,362,000 | 4,496 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 6,483 |
| Cost of funding earning assets | 1.3131% | 6,519 |
| Net interest margin | 3.7247% | 3,973 |
| Noninterest income to average assets | 0.1373% | 7,194 |
| Noninterest expense to average assets | 3.3982% | 2,581 |
| Loan and lease loss provision to assets | 0.6641% | 2,750 |
| Net operating income to assets | -0.3896% | 6,303 |
| Return on assets (ROA) | -0.3217% | 6,243 |
| Pretax return on assets | -0.3217% | 6,122 |
| Return on Equity (ROE) | -1.5964% | 6,036 |
| Retained earnings to average equity (ytd only) | -1.5964% | 5,634 |
| Net charge-offs to loans | 0.1718% | 5,014 |
| Credit loss provision to net charge-offs | 479.0000% | 822 |
| Earnings coverage of net charge-offs (x) | 1.9800% | 4,335 |
| Efficiency ratio | 92.5255% | 1,501 |
| Assets per employee ($millions) | 6.2019% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 3,470 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 84.3569% | 500 |
| Net loans and leases to deposits | 109.4835% | 480 |
| Net loans and leases to core deposits | 201.4268% | 98 |
| Total domestic deposits to total assets | 77.0499% | 6,325 |
| Equity capital to assets | 18.4316% | 475 |
| Core capital (leverage) ratio | 18.6093% | 408 |
| Tier 1 risk-based capital ratio | 19.3717% | 1,672 |
| Total risk-based capital ratio | 20.6230% | 1,632 |
| Memoranda: | ||
| Average total assets | $96,166,000 | 5,239 |
| Average earning assets | $91,280,000 | 5,116 |
| Average equity | $19,377,000 | 3,329 |
| Average total loans | $77,596,500 | 4,643 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 7,163 |
| Cost of funding earning assets | 1.3883% | 6,521 |
| Net interest margin | 3.4447% | 5,005 |
| Noninterest income to average assets | 0.1440% | 7,229 |
| Noninterest expense to average assets | 3.4831% | 2,392 |
| Loan and lease loss provision to assets | 0.7241% | 2,263 |
| Net operating income to assets | -0.7950% | 6,829 |
| Return on assets (ROA) | -0.7950% | 6,828 |
| Pretax return on assets | -0.7950% | 6,678 |
| Return on Equity (ROE) | -3.8226% | 6,456 |
| Retained earnings to average equity (ytd only) | -3.8226% | 6,101 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0781% | 1,092 |
| Assets per employee ($millions) | 5.5066% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6036% | 2,725 |
| Loan loss allowance to noncurrent loans | 1,309.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 7,329 |
| Noncurrent loans to loans | 0.1225% | 7,210 |
| Net loans and leases to total assets | 81.0347% | 1,130 |
| Net loans and leases to deposits | 106.8611% | 716 |
| Net loans and leases to core deposits | 187.9930% | 166 |
| Total domestic deposits to total assets | 75.8318% | 6,589 |
| Equity capital to assets | 19.4364% | 420 |
| Core capital (leverage) ratio | 20.0308% | 357 |
| Tier 1 risk-based capital ratio | 20.4315% | 1,500 |
| Total risk-based capital ratio | 21.6828% | 1,461 |
| Memoranda: | ||
| Average total assets | $93,077,000 | 5,369 |
| Average earning assets | $88,309,330 | 5,251 |
| Average equity | $19,358,330 | 3,345 |
| Average total loans | $73,365,000 | 4,829 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 7,617 |
| Cost of funding earning assets | 1.4665% | 6,518 |
| Net interest margin | 3.1411% | 6,059 |
| Noninterest income to average assets | 0.1288% | 7,367 |
| Noninterest expense to average assets | 3.5666% | 1,939 |
| Loan and lease loss provision to assets | 0.5863% | 2,148 |
| Net operating income to assets | -1.0749% | 7,298 |
| Return on assets (ROA) | -1.0749% | 7,308 |
| Pretax return on assets | -1.0749% | 7,186 |
| Return on Equity (ROE) | -4.9884% | 6,973 |
| Retained earnings to average equity (ytd only) | -4.9884% | 6,545 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8730% | 694 |
| Assets per employee ($millions) | 5.0005% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 3,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 76.4212% | 2,180 |
| Net loans and leases to deposits | 102.2821% | 1,147 |
| Net loans and leases to core deposits | 163.2278% | 448 |
| Total domestic deposits to total assets | 74.7161% | 6,760 |
| Equity capital to assets | 20.3591% | 397 |
| Core capital (leverage) ratio | 21.1773% | 343 |
| Tier 1 risk-based capital ratio | 21.9170% | 1,309 |
| Total risk-based capital ratio | 23.1670% | 1,281 |
| Memoranda: | ||
| Average total assets | $90,056,500 | 5,482 |
| Average earning assets | $84,556,500 | 5,411 |
| Average equity | $19,405,000 | 3,364 |
| Average total loans | $69,233,000 | 5,009 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4810% | 7,344 |
| Cost of funding earning assets | 2.3422% | 4,957 |
| Net interest margin | 3.1389% | 6,548 |
| Noninterest income to average assets | 0.1178% | 7,533 |
| Noninterest expense to average assets | 3.8869% | 1,585 |
| Loan and lease loss provision to assets | 0.3841% | 3,388 |
| Net operating income to assets | -1.1738% | 7,330 |
| Return on assets (ROA) | -1.3773% | 7,362 |
| Pretax return on assets | -1.3773% | 7,199 |
| Return on Equity (ROE) | -5.1701% | 6,883 |
| Retained earnings to average equity (ytd only) | -5.1701% | 6,537 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4970% | 503 |
| Assets per employee ($millions) | 4.7280% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 74.9471% | 2,890 |
| Net loans and leases to deposits | 106.0082% | 1,122 |
| Net loans and leases to core deposits | 173.9521% | 348 |
| Total domestic deposits to total assets | 70.6994% | 7,204 |
| Equity capital to assets | 22.8744% | 320 |
| Core capital (leverage) ratio | 23.3648% | 296 |
| Tier 1 risk-based capital ratio | 24.9283% | 990 |
| Total risk-based capital ratio | 26.1788% | 974 |
| Memoranda: | ||
| Average total assets | $74,712,400 | 5,885 |
| Average earning assets | $70,917,600 | 5,782 |
| Average equity | $19,903,000 | 3,244 |
| Average total loans | $57,748,000 | 5,372 |