Home > Cross River Bank > Performance and Condition Ratios
Cross River 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 | 8.9758% | 89 |
| Cost of funding earning assets | 3.0009% | 141 |
| Net interest margin | 5.9750% | 112 |
| Noninterest income to average assets | -0.3900% | 4,592 |
| Noninterest expense to average assets | 4.6056% | 275 |
| Loan and lease loss provision to assets | 1.0100% | 69 |
| Net operating income to assets | -0.1166% | 4,436 |
| Return on assets (ROA) | -0.1141% | 4,417 |
| Pretax return on assets | -0.4617% | 4,478 |
| Return on Equity (ROE) | -0.9400% | 4,385 |
| Retained earnings to average equity (ytd only) | -0.9387% | 4,176 |
| Net charge-offs to loans | 0.8915% | 116 |
| Credit loss provision to net charge-offs | 145.4054% | 1,500 |
| Earnings coverage of net charge-offs (x) | 0.8012% | 2,794 |
| Efficiency ratio | 89.4895% | 427 |
| Assets per employee ($millions) | 8.6052% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 632 |
| Loan loss allowance to noncurrent loans | 12.4402% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 9.8479% | 7 |
| Noncurrent loans to loans | 13.8069% | 6 |
| Net loans and leases to total assets | 70.1000% | 1,798 |
| Net loans and leases to deposits | 90.8368% | 1,199 |
| Net loans and leases to core deposits | 237.0829% | 63 |
| Total domestic deposits to total assets | 77.1700% | 3,831 |
| Equity capital to assets | 11.7237% | 1,221 |
| Core capital (leverage) ratio | 12.7576% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $8,601,972,200 | 176 |
| Average earning assets | $7,974,097,800 | 170 |
| Average equity | $1,045,429,400 | 162 |
| Average total loans | $6,514,746,800 | 167 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6501% | 92 |
| Cost of funding earning assets | 2.7928% | 164 |
| Net interest margin | 5.8572% | 118 |
| Noninterest income to average assets | -0.2300% | 4,621 |
| Noninterest expense to average assets | 4.5448% | 270 |
| Loan and lease loss provision to assets | 1.2500% | 45 |
| Net operating income to assets | -0.4301% | 4,530 |
| Return on assets (ROA) | -0.4333% | 4,513 |
| Pretax return on assets | -0.5872% | 4,521 |
| Return on Equity (ROE) | -3.5300% | 4,481 |
| Retained earnings to average equity (ytd only) | -3.5333% | 4,382 |
| Net charge-offs to loans | 0.7110% | 129 |
| Credit loss provision to net charge-offs | 226.5636% | 1,043 |
| Earnings coverage of net charge-offs (x) | 1.2293% | 2,543 |
| Efficiency ratio | 87.1233% | 471 |
| Assets per employee ($millions) | 8.7234% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9393% | 432 |
| Loan loss allowance to noncurrent loans | 14.4888% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 10.3984% | 7 |
| Noncurrent loans to loans | 13.3852% | 3 |
| Net loans and leases to total assets | 76.1800% | 1,099 |
| Net loans and leases to deposits | 99.0565% | 560 |
| Net loans and leases to core deposits | 267.5989% | 19 |
| Total domestic deposits to total assets | 76.9000% | 3,938 |
| Equity capital to assets | 12.1377% | 1,004 |
| Core capital (leverage) ratio | 13.0316% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $8,571,039,000 | 178 |
| Average earning assets | $7,975,003,500 | 172 |
| Average equity | $1,051,042,750 | 163 |
| Average total loans | $6,587,510,750 | 168 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6594% | 87 |
| Cost of funding earning assets | 2.4944% | 197 |
| Net interest margin | 6.1651% | 93 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 4.3964% | 285 |
| Loan and lease loss provision to assets | 0.5100% | 144 |
| Net operating income to assets | 0.7721% | 3,161 |
| Return on assets (ROA) | 0.7738% | 3,171 |
| Pretax return on assets | 1.0666% | 2,731 |
| Return on Equity (ROE) | 6.2900% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.2880% | 2,517 |
| Net charge-offs to loans | 0.6771% | 124 |
| Credit loss provision to net charge-offs | 97.3156% | 1,470 |
| Earnings coverage of net charge-offs (x) | 3.0324% | 2,286 |
| Efficiency ratio | 73.6541% | 1,385 |
| Assets per employee ($millions) | 9.1021% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 1,942 |
| Loan loss allowance to noncurrent loans | 10.7252% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 8.8800% | 14 |
| Noncurrent loans to loans | 12.0983% | 6 |
| Net loans and leases to total assets | 72.4500% | 1,472 |
| Net loans and leases to deposits | 94.7992% | 796 |
| Net loans and leases to core deposits | 255.7335% | 21 |
| Total domestic deposits to total assets | 76.4200% | 4,011 |
| Equity capital to assets | 12.8532% | 846 |
| Core capital (leverage) ratio | 14.7018% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $8,663,040,667 | 172 |
| Average earning assets | $8,063,161,667 | 166 |
| Average equity | $1,066,037,000 | 158 |
| Average total loans | $6,635,098,667 | 162 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8050% | 41 |
| Cost of funding earning assets | 2.2427% | 174 |
| Net interest margin | 6.5622% | 71 |
| Noninterest income to average assets | -1.0100% | 4,674 |
| Noninterest expense to average assets | 3.9428% | 368 |
| Loan and lease loss provision to assets | -0.1400% | 4,599 |
| Net operating income to assets | 0.9251% | 2,771 |
| Return on assets (ROA) | 0.9317% | 2,705 |
| Pretax return on assets | 1.2822% | 2,221 |
| Return on Equity (ROE) | 7.7400% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.7356% | 2,307 |
| Net charge-offs to loans | -0.0842% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.6801% | 1,028 |
| Assets per employee ($millions) | 9.3398% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,484 |
| Loan loss allowance to noncurrent loans | 6.2888% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 14.8193% | 1 |
| Noncurrent loans to loans | 19.3024% | 2 |
| Net loans and leases to total assets | 75.8400% | 988 |
| Net loans and leases to deposits | 110.4417% | 176 |
| Net loans and leases to core deposits | 181.4497% | 52 |
| Total domestic deposits to total assets | 68.6700% | 4,449 |
| Equity capital to assets | 12.6441% | 839 |
| Core capital (leverage) ratio | 14.7551% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $8,798,490,500 | 179 |
| Average earning assets | $8,157,956,000 | 171 |
| Average equity | $1,059,724,500 | 161 |
| Average total loans | $6,872,797,000 | 165 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0820% | 44 |
| Cost of funding earning assets | 0.8790% | 277 |
| Net interest margin | 6.2029% | 48 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 3.4937% | 493 |
| Loan and lease loss provision to assets | 0.6900% | 75 |
| Net operating income to assets | 1.1380% | 2,019 |
| Return on assets (ROA) | 1.1291% | 2,003 |
| Pretax return on assets | 1.5510% | 1,290 |
| Return on Equity (ROE) | 11.2200% | 2,402 |
| Retained earnings to average equity (ytd only) | 11.2180% | 838 |
| Net charge-offs to loans | 0.3961% | 191 |
| Credit loss provision to net charge-offs | 207.1335% | 1,096 |
| Earnings coverage of net charge-offs (x) | 6.8890% | 2,323 |
| Efficiency ratio | 60.8199% | 2,939 |
| Assets per employee ($millions) | 10.0828% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 2,810 |
| Loan loss allowance to noncurrent loans | 3.6065% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 24.6919% | 1 |
| Noncurrent loans to loans | 30.9638% | 1 |
| Net loans and leases to total assets | 78.8500% | 712 |
| Net loans and leases to deposits | 126.0608% | 52 |
| Net loans and leases to core deposits | 207.9528% | 24 |
| Total domestic deposits to total assets | 62.5500% | 4,559 |
| Equity capital to assets | 11.6756% | 1,025 |
| Core capital (leverage) ratio | 15.7268% | 487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $8,925,104,600 | 177 |
| Average earning assets | $8,268,154,800 | 169 |
| Average equity | $898,304,200 | 181 |
| Average total loans | $7,362,022,800 | 150 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2182% | 36 |
| Cost of funding earning assets | 0.6390% | 353 |
| Net interest margin | 6.5792% | 37 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 3.4449% | 508 |
| Loan and lease loss provision to assets | 0.6600% | 73 |
| Net operating income to assets | 1.8684% | 373 |
| Return on assets (ROA) | 1.8684% | 363 |
| Pretax return on assets | 2.5472% | 201 |
| Return on Equity (ROE) | 19.3600% | 494 |
| Retained earnings to average equity (ytd only) | 19.3629% | 122 |
| Net charge-offs to loans | 0.3967% | 158 |
| Credit loss provision to net charge-offs | 195.3116% | 989 |
| Earnings coverage of net charge-offs (x) | 9.7127% | 2,014 |
| Efficiency ratio | 51.8018% | 4,029 |
| Assets per employee ($millions) | 9.7542% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,400 |
| Loan loss allowance to noncurrent loans | 7.2821% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 11.0163% | 2 |
| Noncurrent loans to loans | 13.9417% | 2 |
| Net loans and leases to total assets | 78.2100% | 685 |
| Net loans and leases to deposits | 136.2500% | 24 |
| Net loans and leases to core deposits | 197.8382% | 23 |
| Total domestic deposits to total assets | 57.4100% | 4,634 |
| Equity capital to assets | 12.3084% | 819 |
| Core capital (leverage) ratio | 17.8907% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $8,867,593,000 | 177 |
| Average earning assets | $8,222,369,750 | 171 |
| Average equity | $855,650,000 | 181 |
| Average total loans | $7,377,347,250 | 150 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8251% | 42 |
| Cost of funding earning assets | 0.4653% | 639 |
| Net interest margin | 6.3598% | 39 |
| Noninterest income to average assets | 0.6922% | 1,375 |
| Noninterest expense to average assets | 3.2848% | 562 |
| Loan and lease loss provision to assets | 0.3436% | 179 |
| Net operating income to assets | 2.1701% | 169 |
| Return on assets (ROA) | 2.1701% | 169 |
| Pretax return on assets | 2.9617% | 102 |
| Return on Equity (ROE) | 24.7687% | 120 |
| Retained earnings to average equity (ytd only) | 24.7687% | 35 |
| Net charge-offs to loans | 0.2050% | 316 |
| Credit loss provision to net charge-offs | 178.6597% | 1,018 |
| Earnings coverage of net charge-offs (x) | 19.0638% | 1,567 |
| Efficiency ratio | 49.8439% | 4,256 |
| Assets per employee ($millions) | 10.0045% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 4,206 |
| Loan loss allowance to noncurrent loans | 4.9900% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 13.1980% | 1 |
| Noncurrent loans to loans | 15.6226% | 2 |
| Net loans and leases to total assets | 83.8211% | 193 |
| Net loans and leases to deposits | 154.9560% | 6 |
| Net loans and leases to core deposits | 227.0267% | 24 |
| Total domestic deposits to total assets | 54.0935% | 4,712 |
| Equity capital to assets | 9.5323% | 1,995 |
| Core capital (leverage) ratio | 13.4411% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,864,690,000 | 176 |
| Average earning assets | $8,220,942,333 | 172 |
| Average equity | $776,689,000 | 194 |
| Average total loans | $7,498,534,333 | 144 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6755% | 45 |
| Cost of funding earning assets | 0.4111% | 814 |
| Net interest margin | 6.2643% | 41 |
| Noninterest income to average assets | 1.2861% | 432 |
| Noninterest expense to average assets | 3.1721% | 625 |
| Loan and lease loss provision to assets | 0.1454% | 550 |
| Net operating income to assets | 2.7422% | 96 |
| Return on assets (ROA) | 2.7422% | 93 |
| Pretax return on assets | 3.7841% | 66 |
| Return on Equity (ROE) | 32.6599% | 47 |
| Retained earnings to average equity (ytd only) | 32.6599% | 28 |
| Net charge-offs to loans | 0.1756% | 341 |
| Credit loss provision to net charge-offs | 52.1778% | 1,191 |
| Earnings coverage of net charge-offs (x) | 26.4353% | 1,186 |
| Efficiency ratio | 44.6672% | 4,540 |
| Assets per employee ($millions) | 11.4620% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 4,428 |
| Loan loss allowance to noncurrent loans | 9.5901% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 5.7150% | 12 |
| Noncurrent loans to loans | 7.0485% | 32 |
| Net loans and leases to total assets | 80.5335% | 219 |
| Net loans and leases to deposits | 158.7002% | 6 |
| Net loans and leases to core deposits | 221.7903% | 23 |
| Total domestic deposits to total assets | 50.7457% | 4,749 |
| Equity capital to assets | 8.8276% | 2,858 |
| Core capital (leverage) ratio | 14.3336% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,020,095,000 | 175 |
| Average earning assets | $8,373,738,000 | 170 |
| Average equity | $757,343,500 | 205 |
| Average total loans | $7,634,656,000 | 143 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0790% | 78 |
| Cost of funding earning assets | 0.5267% | 804 |
| Net interest margin | 5.5523% | 79 |
| Noninterest income to average assets | 0.9193% | 1,155 |
| Noninterest expense to average assets | 2.1462% | 3,246 |
| Loan and lease loss provision to assets | 0.0918% | 1,356 |
| Net operating income to assets | 3.1753% | 90 |
| Return on assets (ROA) | 3.1768% | 92 |
| Pretax return on assets | 3.9868% | 78 |
| Return on Equity (ROE) | 68.2111% | 5 |
| Retained earnings to average equity (ytd only) | 68.2111% | 1 |
| Net charge-offs to loans | 0.1831% | 529 |
| Credit loss provision to net charge-offs | 54.7567% | 2,103 |
| Earnings coverage of net charge-offs (x) | 24.3201% | 1,750 |
| Efficiency ratio | 34.4888% | 4,766 |
| Assets per employee ($millions) | 15.7419% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 4,603 |
| Loan loss allowance to noncurrent loans | 158.0903% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 2,080 |
| Noncurrent loans to loans | 0.3313% | 2,399 |
| Net loans and leases to total assets | 87.6197% | 37 |
| Net loans and leases to deposits | 203.5251% | 3 |
| Net loans and leases to core deposits | 303.0753% | 16 |
| Total domestic deposits to total assets | 43.0511% | 4,801 |
| Equity capital to assets | 7.9689% | 4,381 |
| Core capital (leverage) ratio | 14.9380% | 471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2805% | 477 |
| Memoranda: | ||
| Average total assets | $11,632,260,000 | 143 |
| Average earning assets | $11,111,318,000 | 140 |
| Average equity | $541,746,000 | 260 |
| Average total loans | $10,649,169,400 | 111 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8669% | 99 |
| Cost of funding earning assets | 0.5387% | 881 |
| Net interest margin | 5.3282% | 105 |
| Noninterest income to average assets | 0.8341% | 1,429 |
| Noninterest expense to average assets | 1.9167% | 3,902 |
| Loan and lease loss provision to assets | 0.0601% | 1,795 |
| Net operating income to assets | 2.9521% | 130 |
| Return on assets (ROA) | 2.9539% | 129 |
| Pretax return on assets | 3.9744% | 89 |
| Return on Equity (ROE) | 73.1065% | 5 |
| Retained earnings to average equity (ytd only) | 73.1065% | 1 |
| Net charge-offs to loans | 0.1926% | 438 |
| Credit loss provision to net charge-offs | 33.8356% | 1,941 |
| Earnings coverage of net charge-offs (x) | 22.7061% | 1,678 |
| Efficiency ratio | 32.2194% | 4,851 |
| Assets per employee ($millions) | 23.7469% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3967% | 4,766 |
| Loan loss allowance to noncurrent loans | 371.2542% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.0943% | 3,472 |
| Noncurrent loans to loans | 0.1068% | 3,559 |
| Net loans and leases to total assets | 87.8746% | 38 |
| Net loans and leases to deposits | 274.7357% | 3 |
| Net loans and leases to core deposits | 435.8438% | 14 |
| Total domestic deposits to total assets | 31.9851% | 4,889 |
| Equity capital to assets | 5.4897% | 4,901 |
| Core capital (leverage) ratio | 13.9887% | 644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0087% | 535 |
| Memoranda: | ||
| Average total assets | $12,257,747,500 | 141 |
| Average earning assets | $11,766,704,750 | 137 |
| Average equity | $495,287,250 | 271 |
| Average total loans | $11,300,943,750 | 108 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5606% | 661 |
| Cost of funding earning assets | 0.5538% | 922 |
| Net interest margin | 4.0069% | 808 |
| Noninterest income to average assets | 0.7336% | 1,705 |
| Noninterest expense to average assets | 1.5628% | 4,559 |
| Loan and lease loss provision to assets | -0.0662% | 4,551 |
| Net operating income to assets | 2.3020% | 280 |
| Return on assets (ROA) | 2.3047% | 298 |
| Pretax return on assets | 3.1018% | 169 |
| Return on Equity (ROE) | 64.0533% | 9 |
| Retained earnings to average equity (ytd only) | 64.0533% | 2 |
| Net charge-offs to loans | 0.2336% | 376 |
| Credit loss provision to net charge-offs | -30.3469% | 2,950 |
| Earnings coverage of net charge-offs (x) | 13.8942% | 1,680 |
| Efficiency ratio | 34.0108% | 4,873 |
| Assets per employee ($millions) | 32.1868% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2461% | 4,864 |
| Loan loss allowance to noncurrent loans | 355.7166% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,785 |
| Noncurrent loans to loans | 0.0692% | 3,844 |
| Net loans and leases to total assets | 93.7737% | 5 |
| Net loans and leases to deposits | 386.2502% | 4 |
| Net loans and leases to core deposits | 592.3759% | 10 |
| Total domestic deposits to total assets | 24.2780% | 4,925 |
| Equity capital to assets | 3.6826% | 4,947 |
| Core capital (leverage) ratio | 9.9782% | 2,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0418% | 612 |
| Memoranda: | ||
| Average total assets | $12,520,419,667 | 138 |
| Average earning assets | $12,065,842,333 | 134 |
| Average equity | $450,496,667 | 291 |
| Average total loans | $11,694,885,000 | 103 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 1,603 |
| Cost of funding earning assets | 0.6506% | 690 |
| Net interest margin | 3.3541% | 2,234 |
| Noninterest income to average assets | 0.6002% | 2,213 |
| Noninterest expense to average assets | 1.4988% | 4,652 |
| Loan and lease loss provision to assets | -0.5481% | 4,928 |
| Net operating income to assets | 2.1731% | 439 |
| Return on assets (ROA) | 2.1771% | 471 |
| Pretax return on assets | 2.8841% | 267 |
| Return on Equity (ROE) | 61.1254% | 18 |
| Retained earnings to average equity (ytd only) | 61.1254% | 8 |
| Net charge-offs to loans | 0.2622% | 324 |
| Credit loss provision to net charge-offs | -224.4350% | 2,996 |
| Earnings coverage of net charge-offs (x) | 9.5445% | 1,536 |
| Efficiency ratio | 39.1359% | 4,773 |
| Assets per employee ($millions) | 32.8854% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2252% | 4,900 |
| Loan loss allowance to noncurrent loans | 144.6801% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 3,455 |
| Noncurrent loans to loans | 0.1557% | 3,554 |
| Net loans and leases to total assets | 91.9071% | 10 |
| Net loans and leases to deposits | 261.9936% | 4 |
| Net loans and leases to core deposits | 464.5127% | 14 |
| Total domestic deposits to total assets | 35.0799% | 4,946 |
| Equity capital to assets | 3.2956% | 4,974 |
| Core capital (leverage) ratio | 9.9958% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9189% | 943 |
| Memoranda: | ||
| Average total assets | $11,595,854,000 | 141 |
| Average earning assets | $11,165,532,000 | 140 |
| Average equity | $413,000,000 | 302 |
| Average total loans | $10,800,408,500 | 113 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 1,218 |
| Cost of funding earning assets | 0.9660% | 678 |
| Net interest margin | 3.5738% | 2,236 |
| Noninterest income to average assets | 0.5489% | 2,426 |
| Noninterest expense to average assets | 1.8003% | 4,471 |
| Loan and lease loss provision to assets | 0.6180% | 315 |
| Net operating income to assets | 1.1985% | 1,560 |
| Return on assets (ROA) | 1.2033% | 1,649 |
| Pretax return on assets | 1.6211% | 1,025 |
| Return on Equity (ROE) | 28.0035% | 77 |
| Retained earnings to average equity (ytd only) | 28.0035% | 33 |
| Net charge-offs to loans | 0.5094% | 310 |
| Credit loss provision to net charge-offs | 141.4943% | 2,473 |
| Earnings coverage of net charge-offs (x) | 5.1123% | 2,900 |
| Efficiency ratio | 44.6357% | 4,771 |
| Assets per employee ($millions) | 24.9190% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 4,763 |
| Loan loss allowance to noncurrent loans | 717.3287% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,981 |
| Noncurrent loans to loans | 0.0757% | 3,988 |
| Net loans and leases to total assets | 94.2276% | 5 |
| Net loans and leases to deposits | 302.0275% | 5 |
| Net loans and leases to core deposits | 397.9459% | 14 |
| Total domestic deposits to total assets | 31.1983% | 4,970 |
| Equity capital to assets | 3.9067% | 4,996 |
| Core capital (leverage) ratio | 9.7243% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5700% | 827 |
| Memoranda: | ||
| Average total assets | $7,194,918,800 | 186 |
| Average earning assets | $7,014,806,400 | 177 |
| Average equity | $309,161,000 | 358 |
| Average total loans | $6,169,721,600 | 164 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 2,287 |
| Cost of funding earning assets | 0.9658% | 858 |
| Net interest margin | 3.2714% | 3,273 |
| Noninterest income to average assets | 0.5212% | 2,522 |
| Noninterest expense to average assets | 1.7206% | 4,603 |
| Loan and lease loss provision to assets | 1.1636% | 98 |
| Net operating income to assets | 0.6014% | 3,761 |
| Return on assets (ROA) | 0.6014% | 3,861 |
| Pretax return on assets | 0.8318% | 3,567 |
| Return on Equity (ROE) | 13.5415% | 965 |
| Retained earnings to average equity (ytd only) | 13.5415% | 277 |
| Net charge-offs to loans | 0.5856% | 246 |
| Credit loss provision to net charge-offs | 241.0256% | 1,958 |
| Earnings coverage of net charge-offs (x) | 4.1332% | 2,850 |
| Efficiency ratio | 46.3024% | 4,697 |
| Assets per employee ($millions) | 32.6299% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 4,573 |
| Loan loss allowance to noncurrent loans | 1,229.8951% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 4,199 |
| Noncurrent loans to loans | 0.0574% | 4,145 |
| Net loans and leases to total assets | 83.9608% | 282 |
| Net loans and leases to deposits | 310.1872% | 5 |
| Net loans and leases to core deposits | 388.9249% | 18 |
| Total domestic deposits to total assets | 27.0678% | 5,006 |
| Equity capital to assets | 2.7305% | 5,030 |
| Core capital (leverage) ratio | 8.4802% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0268% | 1,242 |
| Memoranda: | ||
| Average total assets | $6,570,272,750 | 197 |
| Average earning assets | $6,416,428,250 | 187 |
| Average equity | $291,777,500 | 370 |
| Average total loans | $5,416,203,750 | 177 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 1,033 |
| Cost of funding earning assets | 1.0623% | 812 |
| Net interest margin | 3.8014% | 1,834 |
| Noninterest income to average assets | 0.6751% | 1,835 |
| Noninterest expense to average assets | 2.1342% | 3,963 |
| Loan and lease loss provision to assets | 1.6429% | 66 |
| Net operating income to assets | 0.4180% | 4,197 |
| Return on assets (ROA) | 0.4180% | 4,257 |
| Pretax return on assets | 0.5862% | 4,089 |
| Return on Equity (ROE) | 7.1697% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.1697% | 1,586 |
| Net charge-offs to loans | 0.7566% | 205 |
| Credit loss provision to net charge-offs | 269.0494% | 1,696 |
| Earnings coverage of net charge-offs (x) | 3.6505% | 2,663 |
| Efficiency ratio | 48.9124% | 4,564 |
| Assets per employee ($millions) | 28.9856% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 4,431 |
| Loan loss allowance to noncurrent loans | 670.3213% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 4,062 |
| Noncurrent loans to loans | 0.1138% | 3,994 |
| Net loans and leases to total assets | 81.0164% | 496 |
| Net loans and leases to deposits | 264.2470% | 7 |
| Net loans and leases to core deposits | 322.5312% | 18 |
| Total domestic deposits to total assets | 30.6593% | 5,034 |
| Equity capital to assets | 3.4863% | 5,060 |
| Core capital (leverage) ratio | 9.6296% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8869% | 784 |
| Memoranda: | ||
| Average total assets | $4,833,902,000 | 250 |
| Average earning assets | $4,690,103,667 | 237 |
| Average equity | $281,824,000 | 380 |
| Average total loans | $3,901,468,000 | 224 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9626% | 31 |
| Cost of funding earning assets | 1.5981% | 192 |
| Net interest margin | 7.3645% | 34 |
| Noninterest income to average assets | 1.3829% | 461 |
| Noninterest expense to average assets | 4.1318% | 437 |
| Loan and lease loss provision to assets | 4.7038% | 18 |
| Net operating income to assets | -0.3672% | 4,903 |
| Return on assets (ROA) | -0.3672% | 4,874 |
| Pretax return on assets | -0.4613% | 4,879 |
| Return on Equity (ROE) | -3.3704% | 4,884 |
| Retained earnings to average equity (ytd only) | -3.3704% | 4,393 |
| Net charge-offs to loans | 1.7589% | 84 |
| Credit loss provision to net charge-offs | 339.7985% | 1,092 |
| Earnings coverage of net charge-offs (x) | 3.0647% | 2,236 |
| Efficiency ratio | 49.3390% | 4,700 |
| Assets per employee ($millions) | 8.0264% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9136% | 162 |
| Loan loss allowance to noncurrent loans | 501.0768% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 2,701 |
| Noncurrent loans to loans | 0.5815% | 2,549 |
| Net loans and leases to total assets | 73.5943% | 1,679 |
| Net loans and leases to deposits | 97.3501% | 787 |
| Net loans and leases to core deposits | 119.3646% | 489 |
| Total domestic deposits to total assets | 75.5976% | 4,523 |
| Equity capital to assets | 9.8439% | 3,926 |
| Core capital (leverage) ratio | 11.0342% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3764% | 1,792 |
| Memoranda: | ||
| Average total assets | $2,294,319,000 | 400 |
| Average earning assets | $2,178,079,500 | 381 |
| Average equity | $249,938,000 | 410 |
| Average total loans | $1,805,723,000 | 361 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2768% | 31 |
| Cost of funding earning assets | 1.5539% | 342 |
| Net interest margin | 7.7229% | 29 |
| Noninterest income to average assets | 2.2571% | 223 |
| Noninterest expense to average assets | 4.1333% | 455 |
| Loan and lease loss provision to assets | 2.1840% | 38 |
| Net operating income to assets | 2.4491% | 144 |
| Return on assets (ROA) | 2.4635% | 150 |
| Pretax return on assets | 3.2838% | 86 |
| Return on Equity (ROE) | 20.3395% | 199 |
| Retained earnings to average equity (ytd only) | 20.3395% | 30 |
| Net charge-offs to loans | 1.4365% | 101 |
| Credit loss provision to net charge-offs | 191.5204% | 1,381 |
| Earnings coverage of net charge-offs (x) | 4.7788% | 3,170 |
| Efficiency ratio | 43.1322% | 5,008 |
| Assets per employee ($millions) | 7.1123% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1691% | 346 |
| Loan loss allowance to noncurrent loans | 508.9199% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,006 |
| Noncurrent loans to loans | 0.4262% | 2,920 |
| Net loans and leases to total assets | 80.4690% | 729 |
| Net loans and leases to deposits | 102.5216% | 438 |
| Net loans and leases to core deposits | 131.3332% | 257 |
| Total domestic deposits to total assets | 78.4898% | 4,280 |
| Equity capital to assets | 12.2104% | 2,007 |
| Core capital (leverage) ratio | 12.0409% | 1,750 |
| Tier 1 risk-based capital ratio | 17.1924% | 1,998 |
| Total risk-based capital ratio | 18.4582% | 1,933 |
| Memoranda: | ||
| Average total assets | $1,773,585,600 | 475 |
| Average earning assets | $1,682,358,400 | 458 |
| Average equity | $214,813,200 | 450 |
| Average total loans | $1,407,900,400 | 424 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9927% | 32 |
| Cost of funding earning assets | 1.4720% | 446 |
| Net interest margin | 7.5208% | 33 |
| Noninterest income to average assets | 2.0397% | 256 |
| Noninterest expense to average assets | 3.8871% | 600 |
| Loan and lease loss provision to assets | 2.4574% | 33 |
| Net operating income to assets | 2.0879% | 331 |
| Return on assets (ROA) | 2.1079% | 325 |
| Pretax return on assets | 2.8190% | 146 |
| Return on Equity (ROE) | 17.4470% | 437 |
| Retained earnings to average equity (ytd only) | 17.4470% | 74 |
| Net charge-offs to loans | 1.3642% | 100 |
| Credit loss provision to net charge-offs | 229.4359% | 1,172 |
| Earnings coverage of net charge-offs (x) | 4.9026% | 2,968 |
| Efficiency ratio | 42.5376% | 5,062 |
| Assets per employee ($millions) | 8.0000% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1632% | 349 |
| Loan loss allowance to noncurrent loans | 1,612.7297% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 4,155 |
| Noncurrent loans to loans | 0.1341% | 4,051 |
| Net loans and leases to total assets | 81.3657% | 652 |
| Net loans and leases to deposits | 108.1976% | 261 |
| Net loans and leases to core deposits | 126.9233% | 350 |
| Total domestic deposits to total assets | 75.2010% | 4,728 |
| Equity capital to assets | 11.7529% | 2,457 |
| Core capital (leverage) ratio | 11.8726% | 1,946 |
| Tier 1 risk-based capital ratio | 15.5617% | 2,618 |
| Total risk-based capital ratio | 16.8260% | 2,554 |
| Memoranda: | ||
| Average total assets | $1,701,338,250 | 498 |
| Average earning assets | $1,605,789,000 | 481 |
| Average equity | $205,554,500 | 468 |
| Average total loans | $1,335,742,250 | 450 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8098% | 36 |
| Cost of funding earning assets | 1.4176% | 498 |
| Net interest margin | 7.3921% | 35 |
| Noninterest income to average assets | 2.0231% | 261 |
| Noninterest expense to average assets | 3.8843% | 608 |
| Loan and lease loss provision to assets | 2.3365% | 33 |
| Net operating income to assets | 2.0937% | 329 |
| Return on assets (ROA) | 2.0937% | 341 |
| Pretax return on assets | 2.7923% | 158 |
| Return on Equity (ROE) | 17.1347% | 452 |
| Retained earnings to average equity (ytd only) | 17.1347% | 103 |
| Net charge-offs to loans | 1.3539% | 89 |
| Credit loss provision to net charge-offs | 225.3764% | 1,110 |
| Earnings coverage of net charge-offs (x) | 4.9471% | 2,701 |
| Efficiency ratio | 43.0962% | 5,095 |
| Assets per employee ($millions) | 8.1134% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 448 |
| Loan loss allowance to noncurrent loans | 655.8501% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,658 |
| Noncurrent loans to loans | 0.3102% | 3,431 |
| Net loans and leases to total assets | 72.1732% | 2,190 |
| Net loans and leases to deposits | 88.0776% | 2,003 |
| Net loans and leases to core deposits | 98.5132% | 1,846 |
| Total domestic deposits to total assets | 81.9427% | 3,531 |
| Equity capital to assets | 11.7454% | 2,388 |
| Core capital (leverage) ratio | 13.5405% | 1,099 |
| Tier 1 risk-based capital ratio | 17.5264% | 1,935 |
| Total risk-based capital ratio | 18.7888% | 1,894 |
| Memoranda: | ||
| Average total assets | $1,601,782,000 | 525 |
| Average earning assets | $1,514,640,000 | 506 |
| Average equity | $195,719,670 | 482 |
| Average total loans | $1,226,556,670 | 486 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7283% | 38 |
| Cost of funding earning assets | 1.3317% | 595 |
| Net interest margin | 7.3966% | 32 |
| Noninterest income to average assets | 2.0334% | 241 |
| Noninterest expense to average assets | 4.1910% | 409 |
| Loan and lease loss provision to assets | 2.2404% | 34 |
| Net operating income to assets | 1.9913% | 390 |
| Return on assets (ROA) | 1.9913% | 407 |
| Pretax return on assets | 2.6314% | 204 |
| Return on Equity (ROE) | 15.8891% | 603 |
| Retained earnings to average equity (ytd only) | 15.8891% | 230 |
| Net charge-offs to loans | 1.4226% | 87 |
| Credit loss provision to net charge-offs | 200.6196% | 1,049 |
| Earnings coverage of net charge-offs (x) | 4.3626% | 2,328 |
| Efficiency ratio | 46.2438% | 5,018 |
| Assets per employee ($millions) | 7.1202% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 706 |
| Loan loss allowance to noncurrent loans | 1,028.0589% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,080 |
| Noncurrent loans to loans | 0.1754% | 3,965 |
| Net loans and leases to total assets | 81.0121% | 709 |
| Net loans and leases to deposits | 105.6120% | 329 |
| Net loans and leases to core deposits | 122.6065% | 461 |
| Total domestic deposits to total assets | 76.7073% | 4,684 |
| Equity capital to assets | 14.3139% | 934 |
| Core capital (leverage) ratio | 15.4657% | 602 |
| Tier 1 risk-based capital ratio | 19.4588% | 1,451 |
| Total risk-based capital ratio | 20.7184% | 1,421 |
| Memoranda: | ||
| Average total assets | $1,445,287,500 | 571 |
| Average earning assets | $1,373,557,000 | 554 |
| Average equity | $181,130,500 | 509 |
| Average total loans | $1,134,509,000 | 518 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9769% | 43 |
| Cost of funding earning assets | 0.8619% | 1,256 |
| Net interest margin | 7.1149% | 36 |
| Noninterest income to average assets | 2.8695% | 162 |
| Noninterest expense to average assets | 4.1758% | 410 |
| Loan and lease loss provision to assets | 1.5427% | 45 |
| Net operating income to assets | 3.2009% | 70 |
| Return on assets (ROA) | 3.2009% | 70 |
| Pretax return on assets | 3.9082% | 58 |
| Return on Equity (ROE) | 31.1477% | 31 |
| Retained earnings to average equity (ytd only) | 31.1477% | 8 |
| Net charge-offs to loans | 1.1977% | 102 |
| Credit loss provision to net charge-offs | 187.0917% | 1,522 |
| Earnings coverage of net charge-offs (x) | 6.6106% | 3,072 |
| Efficiency ratio | 43.3769% | 5,199 |
| Assets per employee ($millions) | 7.2682% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 713 |
| Loan loss allowance to noncurrent loans | 853.8749% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,057 |
| Noncurrent loans to loans | 0.2080% | 3,836 |
| Net loans and leases to total assets | 72.8479% | 2,123 |
| Net loans and leases to deposits | 88.3372% | 2,008 |
| Net loans and leases to core deposits | 92.1091% | 2,394 |
| Total domestic deposits to total assets | 82.4657% | 3,498 |
| Equity capital to assets | 10.6046% | 3,074 |
| Core capital (leverage) ratio | 10.9422% | 2,579 |
| Tier 1 risk-based capital ratio | 16.3042% | 2,305 |
| Total risk-based capital ratio | 17.5640% | 2,247 |
| Memoranda: | ||
| Average total assets | $1,240,146,400 | 627 |
| Average earning assets | $1,177,804,400 | 606 |
| Average equity | $127,444,400 | 677 |
| Average total loans | $853,793,800 | 654 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8094% | 44 |
| Cost of funding earning assets | 0.7601% | 1,536 |
| Net interest margin | 7.0493% | 36 |
| Noninterest income to average assets | 3.0391% | 158 |
| Noninterest expense to average assets | 4.0687% | 478 |
| Loan and lease loss provision to assets | 1.4727% | 50 |
| Net operating income to assets | 3.3080% | 63 |
| Return on assets (ROA) | 3.3080% | 63 |
| Pretax return on assets | 4.1888% | 58 |
| Return on Equity (ROE) | 32.4885% | 32 |
| Retained earnings to average equity (ytd only) | 32.4885% | 9 |
| Net charge-offs to loans | 1.1645% | 118 |
| Credit loss provision to net charge-offs | 187.8835% | 1,456 |
| Earnings coverage of net charge-offs (x) | 7.2228% | 2,821 |
| Efficiency ratio | 41.8157% | 5,275 |
| Assets per employee ($millions) | 6.4620% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6393% | 990 |
| Loan loss allowance to noncurrent loans | 1,155.5556% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 4,400 |
| Noncurrent loans to loans | 0.1419% | 4,247 |
| Net loans and leases to total assets | 79.1552% | 1,139 |
| Net loans and leases to deposits | 105.1596% | 477 |
| Net loans and leases to core deposits | 110.2003% | 1,019 |
| Total domestic deposits to total assets | 75.2715% | 4,858 |
| Equity capital to assets | 11.6176% | 2,163 |
| Core capital (leverage) ratio | 12.1335% | 1,706 |
| Tier 1 risk-based capital ratio | 15.8803% | 2,489 |
| Total risk-based capital ratio | 17.1373% | 2,422 |
| Memoranda: | ||
| Average total assets | $1,203,127,500 | 639 |
| Average earning assets | $1,141,986,750 | 622 |
| Average equity | $122,501,750 | 701 |
| Average total loans | $809,847,000 | 689 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4213% | 50 |
| Cost of funding earning assets | 0.6326% | 2,031 |
| Net interest margin | 6.7888% | 39 |
| Noninterest income to average assets | 3.1609% | 153 |
| Noninterest expense to average assets | 3.9561% | 569 |
| Loan and lease loss provision to assets | 1.4010% | 52 |
| Net operating income to assets | 3.2356% | 67 |
| Return on assets (ROA) | 3.2356% | 68 |
| Pretax return on assets | 4.2658% | 54 |
| Return on Equity (ROE) | 33.3074% | 24 |
| Retained earnings to average equity (ytd only) | 33.3074% | 8 |
| Net charge-offs to loans | 1.1828% | 108 |
| Credit loss provision to net charge-offs | 187.9379% | 1,356 |
| Earnings coverage of net charge-offs (x) | 7.6018% | 2,535 |
| Efficiency ratio | 41.1110% | 5,376 |
| Assets per employee ($millions) | 6.1464% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 1,109 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,780 |
| Noncurrent loans to loans | 0.0640% | 4,636 |
| Net loans and leases to total assets | 76.7208% | 1,526 |
| Net loans and leases to deposits | 100.5400% | 771 |
| Net loans and leases to core deposits | 103.4433% | 1,440 |
| Total domestic deposits to total assets | 76.3087% | 4,828 |
| Equity capital to assets | 11.8917% | 1,929 |
| Core capital (leverage) ratio | 11.5224% | 2,052 |
| Tier 1 risk-based capital ratio | 16.6982% | 2,196 |
| Total risk-based capital ratio | 17.9545% | 2,140 |
| Memoranda: | ||
| Average total assets | $1,209,987,670 | 641 |
| Average earning assets | $1,151,758,330 | 622 |
| Average equity | $117,541,330 | 727 |
| Average total loans | $762,580,000 | 725 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8593% | 62 |
| Cost of funding earning assets | 0.5589% | 2,327 |
| Net interest margin | 6.3004% | 53 |
| Noninterest income to average assets | 3.2644% | 144 |
| Noninterest expense to average assets | 3.6581% | 814 |
| Loan and lease loss provision to assets | 1.3263% | 63 |
| Net operating income to assets | 3.1994% | 75 |
| Return on assets (ROA) | 3.1994% | 77 |
| Pretax return on assets | 4.3101% | 58 |
| Return on Equity (ROE) | 36.3370% | 24 |
| Retained earnings to average equity (ytd only) | 36.3370% | 11 |
| Net charge-offs to loans | 1.1335% | 126 |
| Credit loss provision to net charge-offs | 206.0680% | 1,031 |
| Earnings coverage of net charge-offs (x) | 8.7573% | 2,012 |
| Efficiency ratio | 39.3573% | 5,473 |
| Assets per employee ($millions) | 7.0271% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4766% | 1,553 |
| Loan loss allowance to noncurrent loans | 2,304.7809% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 4,897 |
| Noncurrent loans to loans | 0.0641% | 4,688 |
| Net loans and leases to total assets | 65.0037% | 3,176 |
| Net loans and leases to deposits | 77.7349% | 3,048 |
| Net loans and leases to core deposits | 79.4872% | 3,363 |
| Total domestic deposits to total assets | 83.6223% | 3,462 |
| Equity capital to assets | 9.9207% | 3,676 |
| Core capital (leverage) ratio | 9.4071% | 4,179 |
| Tier 1 risk-based capital ratio | 16.5091% | 2,270 |
| Total risk-based capital ratio | 17.7638% | 2,225 |
| Memoranda: | ||
| Average total assets | $1,280,244,000 | 616 |
| Average earning assets | $1,225,312,500 | 587 |
| Average equity | $112,722,500 | 758 |
| Average total loans | $726,940,000 | 758 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2911% | 34 |
| Cost of funding earning assets | 0.6330% | 1,401 |
| Net interest margin | 7.6581% | 28 |
| Noninterest income to average assets | 3.8243% | 136 |
| Noninterest expense to average assets | 4.1654% | 435 |
| Loan and lease loss provision to assets | 1.8714% | 38 |
| Net operating income to assets | 3.1099% | 67 |
| Return on assets (ROA) | 3.1006% | 67 |
| Pretax return on assets | 5.0221% | 46 |
| Return on Equity (ROE) | 27.8096% | 46 |
| Retained earnings to average equity (ytd only) | 27.8096% | 16 |
| Net charge-offs to loans | 2.1336% | 64 |
| Credit loss provision to net charge-offs | 130.2595% | 2,017 |
| Earnings coverage of net charge-offs (x) | 4.8084% | 3,410 |
| Efficiency ratio | 37.6164% | 5,565 |
| Assets per employee ($millions) | 8.7447% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,767 |
| Loan loss allowance to noncurrent loans | 156,416.6667% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,202 |
| Noncurrent loans to loans | 0.0009% | 5,075 |
| Net loans and leases to total assets | 48.1427% | 4,756 |
| Net loans and leases to deposits | 55.2385% | 4,840 |
| Net loans and leases to core deposits | 56.2208% | 4,931 |
| Total domestic deposits to total assets | 87.1543% | 1,918 |
| Equity capital to assets | 7.8863% | 5,427 |
| Core capital (leverage) ratio | 8.5598% | 5,088 |
| Tier 1 risk-based capital ratio | 17.4875% | 1,945 |
| Total risk-based capital ratio | 18.7409% | 1,896 |
| Memoranda: | ||
| Average total assets | $847,674,400 | 880 |
| Average earning assets | $802,393,000 | 858 |
| Average equity | $94,510,400 | 868 |
| Average total loans | $570,774,800 | 907 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0022% | 26 |
| Cost of funding earning assets | 0.6792% | 1,077 |
| Net interest margin | 8.3230% | 25 |
| Noninterest income to average assets | 4.0531% | 141 |
| Noninterest expense to average assets | 4.3439% | 356 |
| Loan and lease loss provision to assets | 1.8986% | 42 |
| Net operating income to assets | 3.5596% | 59 |
| Return on assets (ROA) | 3.5596% | 59 |
| Pretax return on assets | 5.6242% | 44 |
| Return on Equity (ROE) | 27.9997% | 40 |
| Retained earnings to average equity (ytd only) | 27.9997% | 17 |
| Net charge-offs to loans | 1.7344% | 87 |
| Credit loss provision to net charge-offs | 143.6558% | 1,744 |
| Earnings coverage of net charge-offs (x) | 5.6920% | 3,068 |
| Efficiency ratio | 36.6056% | 5,632 |
| Assets per employee ($millions) | 6.1782% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,230 |
| Loan loss allowance to noncurrent loans | 2,634.7305% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 5,046 |
| Noncurrent loans to loans | 0.0504% | 4,884 |
| Net loans and leases to total assets | 74.6063% | 1,819 |
| Net loans and leases to deposits | 92.5238% | 1,489 |
| Net loans and leases to core deposits | 95.0334% | 2,167 |
| Total domestic deposits to total assets | 80.6347% | 4,160 |
| Equity capital to assets | 11.5222% | 2,341 |
| Core capital (leverage) ratio | 10.6547% | 2,822 |
| Tier 1 risk-based capital ratio | 16.3051% | 2,375 |
| Total risk-based capital ratio | 17.5572% | 2,331 |
| Memoranda: | ||
| Average total assets | $716,364,000 | 1,028 |
| Average earning assets | $672,514,750 | 1,013 |
| Average equity | $91,070,000 | 897 |
| Average total loans | $545,882,500 | 946 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7023% | 30 |
| Cost of funding earning assets | 0.6326% | 1,247 |
| Net interest margin | 8.0697% | 29 |
| Noninterest income to average assets | 4.2606% | 135 |
| Noninterest expense to average assets | 4.2772% | 386 |
| Loan and lease loss provision to assets | 1.5865% | 61 |
| Net operating income to assets | 3.7068% | 63 |
| Return on assets (ROA) | 3.7068% | 63 |
| Pretax return on assets | 5.9274% | 42 |
| Return on Equity (ROE) | 28.0012% | 49 |
| Retained earnings to average equity (ytd only) | 28.0012% | 21 |
| Net charge-offs to loans | 1.1473% | 170 |
| Credit loss provision to net charge-offs | 180.8394% | 1,351 |
| Earnings coverage of net charge-offs (x) | 8.5648% | 2,499 |
| Efficiency ratio | 36.2750% | 5,692 |
| Assets per employee ($millions) | 5.9163% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4134% | 1,893 |
| Loan loss allowance to noncurrent loans | 1,560.0775% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,935 |
| Noncurrent loans to loans | 0.0906% | 4,763 |
| Net loans and leases to total assets | 72.4498% | 2,131 |
| Net loans and leases to deposits | 93.9140% | 1,274 |
| Net loans and leases to core deposits | 96.1161% | 1,969 |
| Total domestic deposits to total assets | 77.1448% | 4,937 |
| Equity capital to assets | 12.1614% | 1,821 |
| Core capital (leverage) ratio | 12.4575% | 1,389 |
| Tier 1 risk-based capital ratio | 16.7117% | 2,233 |
| Total risk-based capital ratio | 17.9639% | 2,193 |
| Memoranda: | ||
| Average total assets | $662,719,330 | 1,107 |
| Average earning assets | $618,433,330 | 1,093 |
| Average equity | $87,732,000 | 930 |
| Average total loans | $506,736,670 | 1,009 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0519% | 38 |
| Cost of funding earning assets | 0.5647% | 1,624 |
| Net interest margin | 7.4872% | 35 |
| Noninterest income to average assets | 4.6195% | 128 |
| Noninterest expense to average assets | 4.3141% | 380 |
| Loan and lease loss provision to assets | 1.8234% | 38 |
| Net operating income to assets | 3.4292% | 71 |
| Return on assets (ROA) | 3.4292% | 71 |
| Pretax return on assets | 5.4682% | 52 |
| Return on Equity (ROE) | 24.6240% | 94 |
| Retained earnings to average equity (ytd only) | 24.6240% | 55 |
| Net charge-offs to loans | 1.1487% | 153 |
| Credit loss provision to net charge-offs | 202.5641% | 1,008 |
| Earnings coverage of net charge-offs (x) | 8.1004% | 2,086 |
| Efficiency ratio | 37.1726% | 5,737 |
| Assets per employee ($millions) | 5.6185% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 2,312 |
| Loan loss allowance to noncurrent loans | 2,246.8354% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 5,107 |
| Noncurrent loans to loans | 0.0601% | 4,959 |
| Net loans and leases to total assets | 79.6449% | 882 |
| Net loans and leases to deposits | 102.8032% | 454 |
| Net loans and leases to core deposits | 105.6604% | 1,127 |
| Total domestic deposits to total assets | 77.4732% | 5,044 |
| Equity capital to assets | 13.3641% | 1,122 |
| Core capital (leverage) ratio | 14.5489% | 698 |
| Tier 1 risk-based capital ratio | 15.2059% | 2,870 |
| Total risk-based capital ratio | 16.4530% | 2,808 |
| Memoranda: | ||
| Average total assets | $606,562,500 | 1,198 |
| Average earning assets | $565,979,000 | 1,184 |
| Average equity | $84,470,500 | 966 |
| Average total loans | $475,325,000 | 1,075 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3109% | 50 |
| Cost of funding earning assets | 0.5700% | 1,537 |
| Net interest margin | 6.7409% | 45 |
| Noninterest income to average assets | 3.5419% | 163 |
| Noninterest expense to average assets | 4.3406% | 433 |
| Loan and lease loss provision to assets | 0.8927% | 122 |
| Net operating income to assets | 2.8042% | 97 |
| Return on assets (ROA) | 2.7758% | 104 |
| Pretax return on assets | 4.4397% | 54 |
| Return on Equity (ROE) | 24.1816% | 85 |
| Retained earnings to average equity (ytd only) | 24.1816% | 28 |
| Net charge-offs to loans | 0.7018% | 309 |
| Credit loss provision to net charge-offs | 167.3336% | 1,653 |
| Earnings coverage of net charge-offs (x) | 10.0785% | 2,683 |
| Efficiency ratio | 44.6684% | 5,676 |
| Assets per employee ($millions) | 5.1980% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 2,330 |
| Loan loss allowance to noncurrent loans | 1,748.4663% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,102 |
| Noncurrent loans to loans | 0.0768% | 4,932 |
| Net loans and leases to total assets | 74.5962% | 1,758 |
| Net loans and leases to deposits | 102.5475% | 498 |
| Net loans and leases to core deposits | 105.2305% | 1,179 |
| Total domestic deposits to total assets | 72.7431% | 5,514 |
| Equity capital to assets | 14.5785% | 713 |
| Core capital (leverage) ratio | 14.1837% | 768 |
| Tier 1 risk-based capital ratio | 18.5715% | 1,709 |
| Total risk-based capital ratio | 19.8222% | 1,678 |
| Memoranda: | ||
| Average total assets | $487,169,600 | 1,415 |
| Average earning assets | $446,305,600 | 1,422 |
| Average equity | $55,922,800 | 1,374 |
| Average total loans | $370,336,000 | 1,271 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9561% | 59 |
| Cost of funding earning assets | 0.5548% | 1,651 |
| Net interest margin | 6.4013% | 55 |
| Noninterest income to average assets | 3.4927% | 170 |
| Noninterest expense to average assets | 4.3637% | 426 |
| Loan and lease loss provision to assets | 0.7520% | 144 |
| Net operating income to assets | 2.6477% | 132 |
| Return on assets (ROA) | 2.6477% | 134 |
| Pretax return on assets | 4.2570% | 62 |
| Return on Equity (ROE) | 25.0948% | 81 |
| Retained earnings to average equity (ytd only) | 25.0948% | 29 |
| Net charge-offs to loans | 0.5280% | 401 |
| Credit loss provision to net charge-offs | 187.0488% | 1,507 |
| Earnings coverage of net charge-offs (x) | 12.4593% | 2,389 |
| Efficiency ratio | 46.5576% | 5,648 |
| Assets per employee ($millions) | 5.3264% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,995 |
| Loan loss allowance to noncurrent loans | 982.9222% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 5,050 |
| Noncurrent loans to loans | 0.1266% | 4,833 |
| Net loans and leases to total assets | 75.6942% | 1,577 |
| Net loans and leases to deposits | 99.2705% | 755 |
| Net loans and leases to core deposits | 101.8990% | 1,492 |
| Total domestic deposits to total assets | 76.2505% | 5,202 |
| Equity capital to assets | 10.5867% | 3,469 |
| Core capital (leverage) ratio | 11.9011% | 1,741 |
| Tier 1 risk-based capital ratio | 13.7550% | 3,696 |
| Total risk-based capital ratio | 14.9963% | 3,625 |
| Memoranda: | ||
| Average total assets | $468,616,750 | 1,462 |
| Average earning assets | $430,442,500 | 1,470 |
| Average equity | $49,443,250 | 1,540 |
| Average total loans | $356,802,750 | 1,315 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9952% | 55 |
| Cost of funding earning assets | 0.5761% | 1,496 |
| Net interest margin | 6.4191% | 54 |
| Noninterest income to average assets | 3.7731% | 161 |
| Noninterest expense to average assets | 4.5587% | 367 |
| Loan and lease loss provision to assets | 0.6008% | 185 |
| Net operating income to assets | 2.7896% | 100 |
| Return on assets (ROA) | 2.7896% | 100 |
| Pretax return on assets | 4.5100% | 58 |
| Return on Equity (ROE) | 26.4759% | 73 |
| Retained earnings to average equity (ytd only) | 26.4759% | 27 |
| Net charge-offs to loans | 0.4499% | 503 |
| Credit loss provision to net charge-offs | 175.8575% | 1,426 |
| Earnings coverage of net charge-offs (x) | 14.9591% | 2,026 |
| Efficiency ratio | 47.1449% | 5,702 |
| Assets per employee ($millions) | 5.0795% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 3,059 |
| Loan loss allowance to noncurrent loans | 880.3502% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 5,072 |
| Noncurrent loans to loans | 0.1422% | 4,865 |
| Net loans and leases to total assets | 76.4000% | 1,428 |
| Net loans and leases to deposits | 103.0464% | 511 |
| Net loans and leases to core deposits | 104.2193% | 1,302 |
| Total domestic deposits to total assets | 74.1414% | 5,505 |
| Equity capital to assets | 10.8303% | 3,255 |
| Core capital (leverage) ratio | 11.5448% | 1,954 |
| Tier 1 risk-based capital ratio | 13.8937% | 3,666 |
| Total risk-based capital ratio | 15.1422% | 3,584 |
| Memoranda: | ||
| Average total assets | $443,724,000 | 1,532 |
| Average earning assets | $407,593,000 | 1,538 |
| Average equity | $46,752,000 | 1,621 |
| Average total loans | $336,929,330 | 1,384 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5249% | 76 |
| Cost of funding earning assets | 0.5923% | 1,384 |
| Net interest margin | 5.9326% | 72 |
| Noninterest income to average assets | 3.8099% | 160 |
| Noninterest expense to average assets | 4.5378% | 382 |
| Loan and lease loss provision to assets | 0.7131% | 148 |
| Net operating income to assets | 2.5134% | 152 |
| Return on assets (ROA) | 2.5134% | 157 |
| Pretax return on assets | 4.0229% | 76 |
| Return on Equity (ROE) | 24.2200% | 111 |
| Retained earnings to average equity (ytd only) | 24.2200% | 54 |
| Net charge-offs to loans | 0.5791% | 382 |
| Credit loss provision to net charge-offs | 163.8298% | 1,223 |
| Earnings coverage of net charge-offs (x) | 10.8809% | 1,899 |
| Efficiency ratio | 48.9315% | 5,682 |
| Assets per employee ($millions) | 4.9043% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 3,270 |
| Loan loss allowance to noncurrent loans | 1,124.3386% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 5,217 |
| Noncurrent loans to loans | 0.1101% | 5,036 |
| Net loans and leases to total assets | 82.3261% | 522 |
| Net loans and leases to deposits | 105.6016% | 359 |
| Net loans and leases to core deposits | 107.3590% | 1,001 |
| Total domestic deposits to total assets | 77.9591% | 5,155 |
| Equity capital to assets | 11.4335% | 2,501 |
| Core capital (leverage) ratio | 10.9952% | 2,408 |
| Tier 1 risk-based capital ratio | 14.6294% | 3,324 |
| Total risk-based capital ratio | 15.8808% | 3,265 |
| Memoranda: | ||
| Average total assets | $431,931,000 | 1,575 |
| Average earning assets | $397,802,000 | 1,579 |
| Average equity | $44,822,500 | 1,683 |
| Average total loans | $324,619,000 | 1,427 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3390% | 92 |
| Cost of funding earning assets | 0.7108% | 777 |
| Net interest margin | 5.6282% | 104 |
| Noninterest income to average assets | 3.9694% | 160 |
| Noninterest expense to average assets | 4.1168% | 593 |
| Loan and lease loss provision to assets | 0.7066% | 143 |
| Net operating income to assets | 2.8133% | 100 |
| Return on assets (ROA) | 2.8133% | 99 |
| Pretax return on assets | 4.4077% | 65 |
| Return on Equity (ROE) | 29.5885% | 60 |
| Retained earnings to average equity (ytd only) | 29.5885% | 28 |
| Net charge-offs to loans | 0.4604% | 594 |
| Credit loss provision to net charge-offs | 204.1260% | 1,369 |
| Earnings coverage of net charge-offs (x) | 14.7749% | 2,265 |
| Efficiency ratio | 44.5976% | 5,964 |
| Assets per employee ($millions) | 5.3165% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,954 |
| Loan loss allowance to noncurrent loans | 824.6347% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 5,176 |
| Noncurrent loans to loans | 0.1566% | 4,866 |
| Net loans and leases to total assets | 66.8039% | 2,877 |
| Net loans and leases to deposits | 88.2908% | 1,841 |
| Net loans and leases to core deposits | 90.8221% | 2,332 |
| Total domestic deposits to total assets | 75.6635% | 5,483 |
| Equity capital to assets | 9.4144% | 4,654 |
| Core capital (leverage) ratio | 9.8522% | 3,710 |
| Tier 1 risk-based capital ratio | 15.2155% | 3,072 |
| Total risk-based capital ratio | 16.4674% | 3,010 |
| Memoranda: | ||
| Average total assets | $385,100,800 | 1,707 |
| Average earning assets | $360,024,600 | 1,676 |
| Average equity | $36,615,600 | 1,950 |
| Average total loans | $289,561,000 | 1,508 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6568% | 71 |
| Cost of funding earning assets | 0.7432% | 672 |
| Net interest margin | 5.9136% | 80 |
| Noninterest income to average assets | 3.8519% | 164 |
| Noninterest expense to average assets | 4.1016% | 595 |
| Loan and lease loss provision to assets | 0.8060% | 88 |
| Net operating income to assets | 2.8320% | 103 |
| Return on assets (ROA) | 2.8320% | 104 |
| Pretax return on assets | 4.4852% | 62 |
| Return on Equity (ROE) | 29.6955% | 56 |
| Retained earnings to average equity (ytd only) | 29.6955% | 27 |
| Net charge-offs to loans | 0.3409% | 771 |
| Credit loss provision to net charge-offs | 305.0685% | 953 |
| Earnings coverage of net charge-offs (x) | 20.0274% | 1,896 |
| Efficiency ratio | 43.6674% | 6,048 |
| Assets per employee ($millions) | 5.4788% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,770 |
| Loan loss allowance to noncurrent loans | 1,663.5246% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,545 |
| Noncurrent loans to loans | 0.0819% | 5,300 |
| Net loans and leases to total assets | 68.7263% | 2,579 |
| Net loans and leases to deposits | 94.5212% | 1,132 |
| Net loans and leases to core deposits | 97.3439% | 1,756 |
| Total domestic deposits to total assets | 72.7100% | 5,815 |
| Equity capital to assets | 9.2615% | 5,044 |
| Core capital (leverage) ratio | 10.0695% | 3,537 |
| Tier 1 risk-based capital ratio | 14.5728% | 3,515 |
| Total risk-based capital ratio | 15.8258% | 3,438 |
| Memoranda: | ||
| Average total assets | $368,399,750 | 1,790 |
| Average earning assets | $345,181,750 | 1,766 |
| Average equity | $35,133,500 | 2,041 |
| Average total loans | $285,491,250 | 1,532 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4264% | 82 |
| Cost of funding earning assets | 0.7724% | 575 |
| Net interest margin | 5.6540% | 98 |
| Noninterest income to average assets | 3.6020% | 177 |
| Noninterest expense to average assets | 4.1256% | 592 |
| Loan and lease loss provision to assets | 0.9692% | 76 |
| Net operating income to assets | 2.3673% | 205 |
| Return on assets (ROA) | 2.3673% | 214 |
| Pretax return on assets | 3.8343% | 87 |
| Return on Equity (ROE) | 24.5337% | 125 |
| Retained earnings to average equity (ytd only) | 24.5337% | 48 |
| Net charge-offs to loans | 0.2033% | 1,244 |
| Credit loss provision to net charge-offs | 590.9091% | 561 |
| Earnings coverage of net charge-offs (x) | 29.2867% | 1,382 |
| Efficiency ratio | 46.2042% | 6,036 |
| Assets per employee ($millions) | 4.4948% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 3,639 |
| Loan loss allowance to noncurrent loans | 3,361.0169% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 5,746 |
| Noncurrent loans to loans | 0.0365% | 5,602 |
| Net loans and leases to total assets | 83.6301% | 401 |
| Net loans and leases to deposits | 117.4121% | 131 |
| Net loans and leases to core deposits | 121.6485% | 426 |
| Total domestic deposits to total assets | 71.2278% | 5,975 |
| Equity capital to assets | 9.3862% | 4,799 |
| Core capital (leverage) ratio | 10.2890% | 3,228 |
| Tier 1 risk-based capital ratio | 12.5575% | 4,772 |
| Total risk-based capital ratio | 13.8091% | 4,689 |
| Memoranda: | ||
| Average total assets | $348,749,670 | 1,904 |
| Average earning assets | $328,579,670 | 1,872 |
| Average equity | $33,651,670 | 2,126 |
| Average total loans | $281,401,330 | 1,554 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3742% | 89 |
| Cost of funding earning assets | 0.7906% | 534 |
| Net interest margin | 5.5836% | 111 |
| Noninterest income to average assets | 3.5026% | 186 |
| Noninterest expense to average assets | 4.1976% | 556 |
| Loan and lease loss provision to assets | 1.1683% | 61 |
| Net operating income to assets | 2.1319% | 262 |
| Return on assets (ROA) | 2.1319% | 281 |
| Pretax return on assets | 3.4195% | 109 |
| Return on Equity (ROE) | 21.7532% | 195 |
| Retained earnings to average equity (ytd only) | 21.7532% | 72 |
| Net charge-offs to loans | 0.0584% | 2,173 |
| Credit loss provision to net charge-offs | 2,552.6316% | 156 |
| Earnings coverage of net charge-offs (x) | 100.2368% | 493 |
| Efficiency ratio | 47.7790% | 6,032 |
| Assets per employee ($millions) | 4.0481% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 3,676 |
| Loan loss allowance to noncurrent loans | 34,940.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,961 |
| Noncurrent loans to loans | 0.0036% | 5,807 |
| Net loans and leases to total assets | 80.1150% | 675 |
| Net loans and leases to deposits | 110.8789% | 208 |
| Net loans and leases to core deposits | 115.2580% | 541 |
| Total domestic deposits to total assets | 72.2545% | 6,029 |
| Equity capital to assets | 9.7449% | 4,439 |
| Core capital (leverage) ratio | 10.0210% | 3,572 |
| Tier 1 risk-based capital ratio | 11.7263% | 5,421 |
| Total risk-based capital ratio | 12.9764% | 5,326 |
| Memoranda: | ||
| Average total assets | $332,094,500 | 2,006 |
| Average earning assets | $314,205,000 | 1,967 |
| Average equity | $32,547,000 | 2,205 |
| Average total loans | $260,360,500 | 1,680 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 418 |
| Cost of funding earning assets | 0.9886% | 244 |
| Net interest margin | 4.3540% | 960 |
| Noninterest income to average assets | 3.2158% | 176 |
| Noninterest expense to average assets | 4.1338% | 654 |
| Loan and lease loss provision to assets | 0.2777% | 768 |
| Net operating income to assets | 1.8776% | 407 |
| Return on assets (ROA) | 1.9246% | 391 |
| Pretax return on assets | 2.8938% | 123 |
| Return on Equity (ROE) | 19.0446% | 313 |
| Retained earnings to average equity (ytd only) | 19.0446% | 73 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1357% | 5,553 |
| Assets per employee ($millions) | 4.6391% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 4,760 |
| Loan loss allowance to noncurrent loans | 19,707.6923% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,076 |
| Noncurrent loans to loans | 0.0054% | 5,903 |
| Net loans and leases to total assets | 74.6636% | 1,467 |
| Net loans and leases to deposits | 102.7802% | 481 |
| Net loans and leases to core deposits | 107.6204% | 915 |
| Total domestic deposits to total assets | 72.6439% | 6,044 |
| Equity capital to assets | 9.8603% | 4,281 |
| Core capital (leverage) ratio | 10.1584% | 3,360 |
| Tier 1 risk-based capital ratio | 12.1519% | 5,261 |
| Total risk-based capital ratio | 13.1673% | 5,325 |
| Memoranda: | ||
| Average total assets | $277,664,400 | 2,299 |
| Average earning assets | $256,314,400 | 2,301 |
| Average equity | $28,060,400 | 2,403 |
| Average total loans | $199,307,400 | 2,046 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3169% | 437 |
| Cost of funding earning assets | 1.0301% | 213 |
| Net interest margin | 4.2868% | 1,075 |
| Noninterest income to average assets | 2.8832% | 199 |
| Noninterest expense to average assets | 3.6561% | 1,205 |
| Loan and lease loss provision to assets | 0.1977% | 1,211 |
| Net operating income to assets | 1.9271% | 401 |
| Return on assets (ROA) | 1.9271% | 410 |
| Pretax return on assets | 2.9626% | 120 |
| Return on Equity (ROE) | 18.9317% | 356 |
| Retained earnings to average equity (ytd only) | 18.9317% | 87 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6366% | 5,862 |
| Assets per employee ($millions) | 4.7607% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 5,202 |
| Loan loss allowance to noncurrent loans | 31,242.8571% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,203 |
| Noncurrent loans to loans | 0.0032% | 6,038 |
| Net loans and leases to total assets | 73.0986% | 1,664 |
| Net loans and leases to deposits | 96.6862% | 828 |
| Net loans and leases to core deposits | 101.7357% | 1,229 |
| Total domestic deposits to total assets | 75.6040% | 5,863 |
| Equity capital to assets | 9.9281% | 4,259 |
| Core capital (leverage) ratio | 10.8512% | 2,633 |
| Tier 1 risk-based capital ratio | 12.4842% | 5,179 |
| Total risk-based capital ratio | 13.4335% | 5,297 |
| Memoranda: | ||
| Average total assets | $267,055,250 | 2,400 |
| Average earning assets | $245,022,750 | 2,403 |
| Average equity | $27,184,750 | 2,474 |
| Average total loans | $188,744,000 | 2,143 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3714% | 389 |
| Cost of funding earning assets | 1.0966% | 150 |
| Net interest margin | 4.2749% | 1,080 |
| Noninterest income to average assets | 2.1724% | 308 |
| Noninterest expense to average assets | 3.5400% | 1,405 |
| Loan and lease loss provision to assets | 0.1560% | 1,584 |
| Net operating income to assets | 1.5391% | 814 |
| Return on assets (ROA) | 1.5391% | 848 |
| Pretax return on assets | 2.3494% | 277 |
| Return on Equity (ROE) | 14.9783% | 796 |
| Retained earnings to average equity (ytd only) | 14.9783% | 216 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5569% | 5,486 |
| Assets per employee ($millions) | 4.2692% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 5,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 75.6782% | 1,214 |
| Net loans and leases to deposits | 103.0744% | 397 |
| Net loans and leases to core deposits | 110.9095% | 655 |
| Total domestic deposits to total assets | 73.4210% | 6,157 |
| Equity capital to assets | 10.8170% | 3,071 |
| Core capital (leverage) ratio | 10.5594% | 2,878 |
| Tier 1 risk-based capital ratio | 13.3522% | 4,688 |
| Total risk-based capital ratio | 14.3441% | 4,791 |
| Memoranda: | ||
| Average total assets | $257,686,000 | 2,474 |
| Average earning assets | $233,456,670 | 2,509 |
| Average equity | $26,478,330 | 2,525 |
| Average total loans | $179,009,670 | 2,245 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3159% | 399 |
| Cost of funding earning assets | 1.1459% | 125 |
| Net interest margin | 4.1701% | 1,294 |
| Noninterest income to average assets | 1.3016% | 661 |
| Noninterest expense to average assets | 3.2315% | 2,122 |
| Loan and lease loss provision to assets | 0.2322% | 955 |
| Net operating income to assets | 1.0215% | 2,121 |
| Return on assets (ROA) | 1.0215% | 2,191 |
| Pretax return on assets | 1.5384% | 1,314 |
| Return on Equity (ROE) | 10.2074% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.2074% | 912 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6040% | 4,761 |
| Assets per employee ($millions) | 4.8218% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 5,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 67.1320% | 2,371 |
| Net loans and leases to deposits | 88.0964% | 1,351 |
| Net loans and leases to core deposits | 99.2590% | 1,151 |
| Total domestic deposits to total assets | 76.2029% | 6,059 |
| Equity capital to assets | 9.9438% | 3,910 |
| Core capital (leverage) ratio | 9.9411% | 3,645 |
| Tier 1 risk-based capital ratio | 13.3767% | 4,780 |
| Total risk-based capital ratio | 14.3958% | 4,854 |
| Memoranda: | ||
| Average total assets | $258,452,500 | 2,474 |
| Average earning assets | $229,349,000 | 2,563 |
| Average equity | $25,863,500 | 2,569 |
| Average total loans | $170,592,500 | 2,341 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 902 |
| Cost of funding earning assets | 1.1829% | 193 |
| Net interest margin | 3.8286% | 2,539 |
| Noninterest income to average assets | 2.0579% | 378 |
| Noninterest expense to average assets | 3.6884% | 1,301 |
| Loan and lease loss provision to assets | 0.1326% | 2,655 |
| Net operating income to assets | 1.1200% | 1,872 |
| Return on assets (ROA) | 1.1309% | 1,897 |
| Pretax return on assets | 1.6508% | 1,053 |
| Return on Equity (ROE) | 10.4969% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.4969% | 489 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6034% | 4,269 |
| Assets per employee ($millions) | 4.6612% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,095 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 63.3353% | 3,158 |
| Net loans and leases to deposits | 84.3009% | 1,891 |
| Net loans and leases to core deposits | 95.6024% | 1,480 |
| Total domestic deposits to total assets | 75.1300% | 6,180 |
| Equity capital to assets | 10.0737% | 3,662 |
| Core capital (leverage) ratio | 11.0917% | 2,300 |
| Tier 1 risk-based capital ratio | 14.0776% | 4,249 |
| Total risk-based capital ratio | 15.0931% | 4,352 |
| Memoranda: | ||
| Average total assets | $226,981,800 | 2,747 |
| Average earning assets | $201,455,400 | 2,812 |
| Average equity | $24,454,800 | 2,684 |
| Average total loans | $144,187,000 | 2,635 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 976 |
| Cost of funding earning assets | 1.2028% | 196 |
| Net interest margin | 3.7775% | 2,723 |
| Noninterest income to average assets | 2.2674% | 344 |
| Noninterest expense to average assets | 3.7378% | 1,186 |
| Loan and lease loss provision to assets | 0.0990% | 3,108 |
| Net operating income to assets | 1.2785% | 1,401 |
| Return on assets (ROA) | 1.2856% | 1,456 |
| Pretax return on assets | 1.8641% | 771 |
| Return on Equity (ROE) | 11.7155% | 1,574 |
| Retained earnings to average equity (ytd only) | 11.7155% | 467 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6834% | 4,548 |
| Assets per employee ($millions) | 4.3661% | 3,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 64.9112% | 2,822 |
| Net loans and leases to deposits | 89.8595% | 1,181 |
| Net loans and leases to core deposits | 100.3019% | 1,094 |
| Total domestic deposits to total assets | 72.2363% | 6,475 |
| Equity capital to assets | 11.2488% | 2,510 |
| Core capital (leverage) ratio | 10.9130% | 2,561 |
| Tier 1 risk-based capital ratio | 15.4647% | 3,485 |
| Total risk-based capital ratio | 16.5109% | 3,542 |
| Memoranda: | ||
| Average total assets | $220,801,000 | 2,825 |
| Average earning assets | $200,090,500 | 2,852 |
| Average equity | $24,229,500 | 2,734 |
| Average total loans | $139,931,500 | 2,710 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 1,136 |
| Cost of funding earning assets | 1.2286% | 190 |
| Net interest margin | 3.6540% | 3,161 |
| Noninterest income to average assets | 2.4971% | 321 |
| Noninterest expense to average assets | 3.7806% | 1,124 |
| Loan and lease loss provision to assets | -0.0818% | 6,691 |
| Net operating income to assets | 1.3299% | 1,243 |
| Return on assets (ROA) | 1.3398% | 1,313 |
| Pretax return on assets | 2.1446% | 462 |
| Return on Equity (ROE) | 12.3139% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.3139% | 445 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8691% | 4,729 |
| Assets per employee ($millions) | 4.8818% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 55.5453% | 4,361 |
| Net loans and leases to deposits | 76.1575% | 2,851 |
| Net loans and leases to core deposits | 85.1269% | 2,420 |
| Total domestic deposits to total assets | 72.9347% | 6,507 |
| Equity capital to assets | 10.9093% | 2,837 |
| Core capital (leverage) ratio | 10.7622% | 2,605 |
| Tier 1 risk-based capital ratio | 16.6560% | 2,861 |
| Total risk-based capital ratio | 17.6263% | 2,956 |
| Memoranda: | ||
| Average total assets | $220,177,330 | 2,836 |
| Average earning assets | $200,714,000 | 2,864 |
| Average equity | $23,956,670 | 2,779 |
| Average total loans | $137,844,670 | 2,746 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 2,081 |
| Cost of funding earning assets | 1.1892% | 239 |
| Net interest margin | 3.3366% | 4,372 |
| Noninterest income to average assets | 1.3524% | 841 |
| Noninterest expense to average assets | 3.5232% | 1,575 |
| Loan and lease loss provision to assets | 0.0973% | 3,063 |
| Net operating income to assets | 0.5489% | 4,462 |
| Return on assets (ROA) | 0.5688% | 4,517 |
| Pretax return on assets | 0.9450% | 3,585 |
| Return on Equity (ROE) | 5.2352% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.2352% | 3,093 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7013% | 2,660 |
| Assets per employee ($millions) | 5.1045% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 5,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 65.3684% | 2,487 |
| Net loans and leases to deposits | 84.9033% | 1,484 |
| Net loans and leases to core deposits | 94.9777% | 1,268 |
| Total domestic deposits to total assets | 76.9915% | 6,251 |
| Equity capital to assets | 10.8587% | 3,131 |
| Core capital (leverage) ratio | 10.4058% | 2,896 |
| Tier 1 risk-based capital ratio | 16.3856% | 3,070 |
| Total risk-based capital ratio | 17.4776% | 3,092 |
| Memoranda: | ||
| Average total assets | $217,985,500 | 2,897 |
| Average earning assets | $207,878,000 | 2,803 |
| Average equity | $23,686,000 | 2,837 |
| Average total loans | $143,701,000 | 2,670 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 1,838 |
| Cost of funding earning assets | 1.3710% | 279 |
| Net interest margin | 3.5298% | 4,377 |
| Noninterest income to average assets | 1.6568% | 583 |
| Noninterest expense to average assets | 3.7573% | 1,319 |
| Loan and lease loss provision to assets | 0.0587% | 5,039 |
| Net operating income to assets | 0.7255% | 3,615 |
| Return on assets (ROA) | 1.0782% | 2,203 |
| Pretax return on assets | 1.7675% | 982 |
| Return on Equity (ROE) | 10.4972% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.4972% | 501 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6600% | 2,955 |
| Assets per employee ($millions) | 5.8508% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 5,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 65.0828% | 2,703 |
| Net loans and leases to deposits | 84.4760% | 1,703 |
| Net loans and leases to core deposits | 94.4867% | 1,429 |
| Total domestic deposits to total assets | 77.0429% | 6,217 |
| Equity capital to assets | 10.8732% | 3,100 |
| Core capital (leverage) ratio | 10.4578% | 2,820 |
| Tier 1 risk-based capital ratio | 14.7860% | 3,843 |
| Total risk-based capital ratio | 15.7497% | 3,985 |
| Memoranda: | ||
| Average total assets | $205,996,600 | 2,972 |
| Average earning assets | $197,008,400 | 2,875 |
| Average equity | $21,158,000 | 3,078 |
| Average total loans | $131,434,800 | 2,855 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 1,451 |
| Cost of funding earning assets | 1.4328% | 262 |
| Net interest margin | 3.6583% | 3,969 |
| Noninterest income to average assets | 1.7406% | 519 |
| Noninterest expense to average assets | 3.7080% | 1,352 |
| Loan and lease loss provision to assets | 0.0131% | 5,649 |
| Net operating income to assets | 0.8496% | 3,217 |
| Return on assets (ROA) | 1.1165% | 2,234 |
| Pretax return on assets | 1.9215% | 831 |
| Return on Equity (ROE) | 11.0422% | 1,939 |
| Retained earnings to average equity (ytd only) | 11.0422% | 674 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9572% | 3,510 |
| Assets per employee ($millions) | 6.0325% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 58.3446% | 4,074 |
| Net loans and leases to deposits | 75.8875% | 2,999 |
| Net loans and leases to core deposits | 84.0488% | 2,689 |
| Total domestic deposits to total assets | 76.8831% | 6,252 |
| Equity capital to assets | 10.5047% | 3,840 |
| Core capital (leverage) ratio | 10.3910% | 3,050 |
| Tier 1 risk-based capital ratio | 15.7478% | 3,399 |
| Total risk-based capital ratio | 16.7315% | 3,509 |
| Memoranda: | ||
| Average total assets | $203,376,250 | 3,034 |
| Average earning assets | $193,744,750 | 2,944 |
| Average equity | $20,563,000 | 3,165 |
| Average total loans | $128,698,500 | 2,944 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 1,422 |
| Cost of funding earning assets | 1.4770% | 263 |
| Net interest margin | 3.6534% | 4,020 |
| Noninterest income to average assets | 1.4046% | 726 |
| Noninterest expense to average assets | 3.5929% | 1,588 |
| Loan and lease loss provision to assets | 0.0734% | 4,709 |
| Net operating income to assets | 0.6907% | 3,914 |
| Return on assets (ROA) | 0.8955% | 3,197 |
| Pretax return on assets | 1.5374% | 1,758 |
| Return on Equity (ROE) | 8.9840% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.9840% | 1,283 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5682% | 3,148 |
| Assets per employee ($millions) | 6.0276% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 60.6934% | 3,684 |
| Net loans and leases to deposits | 78.8899% | 2,538 |
| Net loans and leases to core deposits | 88.1287% | 2,194 |
| Total domestic deposits to total assets | 76.9343% | 6,332 |
| Equity capital to assets | 10.3978% | 3,815 |
| Core capital (leverage) ratio | 10.8071% | 2,474 |
| Tier 1 risk-based capital ratio | 14.6286% | 4,016 |
| Total risk-based capital ratio | 15.6152% | 4,159 |
| Memoranda: | ||
| Average total assets | $198,778,330 | 3,093 |
| Average earning assets | $189,302,670 | 3,005 |
| Average equity | $19,813,000 | 3,249 |
| Average total loans | $128,899,330 | 2,945 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 960 |
| Cost of funding earning assets | 1.5326% | 245 |
| Net interest margin | 3.8391% | 3,194 |
| Noninterest income to average assets | 1.5134% | 628 |
| Noninterest expense to average assets | 3.1409% | 2,785 |
| Loan and lease loss provision to assets | 0.1349% | 3,660 |
| Net operating income to assets | 1.1081% | 2,051 |
| Return on assets (ROA) | 1.0961% | 2,297 |
| Pretax return on assets | 1.8850% | 908 |
| Return on Equity (ROE) | 11.2631% | 1,920 |
| Retained earnings to average equity (ytd only) | 11.2631% | 973 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6413% | 5,519 |
| Assets per employee ($millions) | 7.3809% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,913 |
| Loan loss allowance to noncurrent loans | 293.8525% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 6,275 |
| Noncurrent loans to loans | 0.3735% | 5,924 |
| Net loans and leases to total assets | 64.8405% | 2,686 |
| Net loans and leases to deposits | 80.0154% | 2,198 |
| Net loans and leases to core deposits | 90.1421% | 1,841 |
| Total domestic deposits to total assets | 81.0350% | 5,596 |
| Equity capital to assets | 10.8328% | 3,103 |
| Core capital (leverage) ratio | 10.8577% | 2,378 |
| Tier 1 risk-based capital ratio | 15.1428% | 3,654 |
| Total risk-based capital ratio | 16.1762% | 3,770 |
| Memoranda: | ||
| Average total assets | $192,684,000 | 3,203 |
| Average earning assets | $184,002,000 | 3,095 |
| Average equity | $18,751,500 | 3,387 |
| Average total loans | $128,606,500 | 2,968 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0409% | 402 |
| Cost of funding earning assets | 1.7080% | 313 |
| Net interest margin | 4.3329% | 1,597 |
| Noninterest income to average assets | 0.9781% | 1,429 |
| Noninterest expense to average assets | 3.2864% | 2,565 |
| Loan and lease loss provision to assets | 0.3930% | 2,633 |
| Net operating income to assets | 0.8123% | 2,987 |
| Return on assets (ROA) | 1.3248% | 1,284 |
| Pretax return on assets | 2.1788% | 384 |
| Return on Equity (ROE) | 13.2987% | 1,089 |
| Retained earnings to average equity (ytd only) | 13.2987% | 207 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0203% | 4,947 |
| Assets per employee ($millions) | 7.1571% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 5,879 |
| Loan loss allowance to noncurrent loans | 280.5328% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 6,312 |
| Noncurrent loans to loans | 0.3856% | 5,938 |
| Net loans and leases to total assets | 67.2779% | 2,522 |
| Net loans and leases to deposits | 81.6197% | 2,254 |
| Net loans and leases to core deposits | 91.1330% | 1,973 |
| Total domestic deposits to total assets | 82.4285% | 4,990 |
| Equity capital to assets | 8.5525% | 6,069 |
| Core capital (leverage) ratio | 8.5879% | 5,420 |
| Tier 1 risk-based capital ratio | 11.2775% | 6,304 |
| Total risk-based capital ratio | 12.2856% | 6,420 |
| Memoranda: | ||
| Average total assets | $151,413,800 | 3,774 |
| Average earning assets | $142,446,200 | 3,705 |
| Average equity | $15,084,200 | 3,891 |
| Average total loans | $98,753,400 | 3,653 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1136% | 384 |
| Cost of funding earning assets | 1.7426% | 330 |
| Net interest margin | 4.3710% | 1,488 |
| Noninterest income to average assets | 0.6641% | 2,805 |
| Noninterest expense to average assets | 3.1720% | 2,918 |
| Loan and lease loss provision to assets | 0.4222% | 2,359 |
| Net operating income to assets | 0.6166% | 4,019 |
| Return on assets (ROA) | 1.2918% | 1,495 |
| Pretax return on assets | 2.2314% | 406 |
| Return on Equity (ROE) | 12.3951% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.3951% | 455 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5491% | 4,612 |
| Assets per employee ($millions) | 7.5229% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 5,810 |
| Loan loss allowance to noncurrent loans | 251.2295% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 6,353 |
| Noncurrent loans to loans | 0.4462% | 5,953 |
| Net loans and leases to total assets | 62.4964% | 3,612 |
| Net loans and leases to deposits | 76.8135% | 3,191 |
| Net loans and leases to core deposits | 84.7938% | 2,942 |
| Total domestic deposits to total assets | 81.3612% | 5,309 |
| Equity capital to assets | 9.0293% | 5,722 |
| Core capital (leverage) ratio | 8.9856% | 4,960 |
| Tier 1 risk-based capital ratio | 12.1469% | 5,782 |
| Total risk-based capital ratio | 13.1390% | 5,951 |
| Memoranda: | ||
| Average total assets | $142,746,000 | 3,950 |
| Average earning assets | $133,971,000 | 3,882 |
| Average equity | $14,876,500 | 3,943 |
| Average total loans | $91,801,000 | 3,847 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2813% | 284 |
| Cost of funding earning assets | 1.7303% | 419 |
| Net interest margin | 4.5510% | 1,009 |
| Noninterest income to average assets | 0.4810% | 4,016 |
| Noninterest expense to average assets | 3.1300% | 3,142 |
| Loan and lease loss provision to assets | 0.5548% | 1,743 |
| Net operating income to assets | 0.4700% | 4,643 |
| Return on assets (ROA) | 1.6072% | 764 |
| Pretax return on assets | 2.8586% | 154 |
| Return on Equity (ROE) | 14.5751% | 876 |
| Retained earnings to average equity (ytd only) | 14.5751% | 275 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7586% | 4,920 |
| Assets per employee ($millions) | 10.0673% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,795 |
| Loan loss allowance to noncurrent loans | 234.0164% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 6,373 |
| Noncurrent loans to loans | 0.4871% | 5,931 |
| Net loans and leases to total assets | 61.4824% | 3,991 |
| Net loans and leases to deposits | 76.6066% | 3,356 |
| Net loans and leases to core deposits | 83.3339% | 3,317 |
| Total domestic deposits to total assets | 80.2573% | 5,751 |
| Equity capital to assets | 9.3862% | 5,004 |
| Core capital (leverage) ratio | 9.9607% | 3,312 |
| Tier 1 risk-based capital ratio | 13.0772% | 4,856 |
| Total risk-based capital ratio | 14.0941% | 5,027 |
| Memoranda: | ||
| Average total assets | $132,652,670 | 4,169 |
| Average earning assets | $124,720,000 | 4,101 |
| Average equity | $14,627,670 | 3,974 |
| Average total loans | $85,947,670 | 4,048 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2050% | 94 |
| Cost of funding earning assets | 1.6174% | 771 |
| Net interest margin | 5.5876% | 146 |
| Noninterest income to average assets | 0.2432% | 5,957 |
| Noninterest expense to average assets | 3.7420% | 1,457 |
| Loan and lease loss provision to assets | 0.5640% | 1,531 |
| Net operating income to assets | 0.6734% | 3,640 |
| Return on assets (ROA) | 1.7123% | 601 |
| Pretax return on assets | 2.8571% | 165 |
| Return on Equity (ROE) | 14.1010% | 972 |
| Retained earnings to average equity (ytd only) | 14.1010% | 464 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6848% | 4,714 |
| Assets per employee ($millions) | 8.2899% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 6,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 67.8596% | 2,577 |
| Net loans and leases to deposits | 82.0461% | 2,357 |
| Net loans and leases to core deposits | 89.3915% | 2,427 |
| Total domestic deposits to total assets | 82.7090% | 5,024 |
| Equity capital to assets | 11.8128% | 2,035 |
| Core capital (leverage) ratio | 11.7614% | 1,698 |
| Tier 1 risk-based capital ratio | 14.8934% | 3,479 |
| Total risk-based capital ratio | 15.8863% | 3,611 |
| Memoranda: | ||
| Average total assets | $118,440,500 | 4,530 |
| Average earning assets | $112,033,000 | 4,406 |
| Average equity | $14,382,000 | 4,030 |
| Average total loans | $78,833,500 | 4,298 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3490% | 94 |
| Cost of funding earning assets | 1.8787% | 913 |
| Net interest margin | 5.4702% | 180 |
| Noninterest income to average assets | 0.0474% | 7,120 |
| Noninterest expense to average assets | 3.3857% | 2,474 |
| Loan and lease loss provision to assets | 0.3835% | 3,816 |
| Net operating income to assets | 1.1971% | 1,422 |
| Return on assets (ROA) | 1.9899% | 299 |
| Pretax return on assets | 1.6963% | 946 |
| Return on Equity (ROE) | 17.9505% | 382 |
| Retained earnings to average equity (ytd only) | 17.9505% | 73 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4561% | 3,713 |
| Assets per employee ($millions) | 7.5022% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 6,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 63.5991% | 3,952 |
| Net loans and leases to deposits | 73.7022% | 4,244 |
| Net loans and leases to core deposits | 79.7882% | 4,241 |
| Total domestic deposits to total assets | 86.2920% | 3,206 |
| Equity capital to assets | 12.5074% | 1,629 |
| Core capital (leverage) ratio | 12.4828% | 1,323 |
| Tier 1 risk-based capital ratio | 16.1032% | 2,703 |
| Total risk-based capital ratio | 17.0184% | 2,821 |
| Memoranda: | ||
| Average total assets | $101,160,600 | 4,952 |
| Average earning assets | $85,536,000 | 5,160 |
| Average equity | $11,214,200 | 4,813 |
| Average total loans | $50,636,800 | 5,462 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7705% | 69 |
| Cost of funding earning assets | 1.9385% | 905 |
| Net interest margin | 5.8320% | 111 |
| Noninterest income to average assets | 0.0407% | 7,315 |
| Noninterest expense to average assets | 3.2099% | 2,891 |
| Loan and lease loss provision to assets | 0.3702% | 3,677 |
| Net operating income to assets | 1.2299% | 1,516 |
| Return on assets (ROA) | 1.8443% | 503 |
| Pretax return on assets | 1.8592% | 832 |
| Return on Equity (ROE) | 17.2711% | 557 |
| Retained earnings to average equity (ytd only) | 17.2711% | 127 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6198% | 4,725 |
| Assets per employee ($millions) | 8.1564% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 5,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.7348% | 5,737 |
| Net loans and leases to deposits | 62.2387% | 6,095 |
| Net loans and leases to core deposits | 67.5737% | 5,988 |
| Total domestic deposits to total assets | 87.9434% | 1,996 |
| Equity capital to assets | 11.2390% | 2,742 |
| Core capital (leverage) ratio | 11.2476% | 2,103 |
| Tier 1 risk-based capital ratio | 16.0160% | 2,752 |
| Total risk-based capital ratio | 16.9163% | 2,876 |
| Memoranda: | ||
| Average total assets | $98,317,500 | 5,100 |
| Average earning assets | $80,541,750 | 5,386 |
| Average equity | $10,499,000 | 5,055 |
| Average total loans | $45,210,000 | 5,776 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0515% | 63 |
| Cost of funding earning assets | 2.0861% | 694 |
| Net interest margin | 5.9654% | 96 |
| Noninterest income to average assets | 0.0021% | 7,520 |
| Noninterest expense to average assets | 3.1375% | 3,159 |
| Loan and lease loss provision to assets | 0.3488% | 3,629 |
| Net operating income to assets | 1.1886% | 1,587 |
| Return on assets (ROA) | 1.8654% | 473 |
| Pretax return on assets | 1.8695% | 780 |
| Return on Equity (ROE) | 17.8131% | 477 |
| Retained earnings to average equity (ytd only) | 17.8131% | 133 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0536% | 4,753 |
| Assets per employee ($millions) | 7.6350% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 46.5619% | 6,737 |
| Net loans and leases to deposits | 53.0798% | 6,920 |
| Net loans and leases to core deposits | 56.7313% | 6,898 |
| Total domestic deposits to total assets | 87.7205% | 2,156 |
| Equity capital to assets | 11.7526% | 2,244 |
| Core capital (leverage) ratio | 11.3282% | 2,021 |
| Tier 1 risk-based capital ratio | 18.1720% | 1,911 |
| Total risk-based capital ratio | 19.0620% | 1,970 |
| Memoranda: | ||
| Average total assets | $95,745,670 | 5,200 |
| Average earning assets | $75,066,670 | 5,602 |
| Average equity | $10,026,330 | 5,194 |
| Average total loans | $40,714,670 | 6,021 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1928% | 66 |
| Cost of funding earning assets | 2.4316% | 271 |
| Net interest margin | 5.7612% | 132 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 2.9237% | 3,970 |
| Loan and lease loss provision to assets | 0.3532% | 3,260 |
| Net operating income to assets | 0.9247% | 2,453 |
| Return on assets (ROA) | 1.4640% | 1,028 |
| Pretax return on assets | 1.4725% | 1,587 |
| Return on Equity (ROE) | 14.9452% | 887 |
| Retained earnings to average equity (ytd only) | 14.9452% | 415 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5344% | 4,404 |
| Assets per employee ($millions) | 9.8785% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 5,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 40.5173% | 7,218 |
| Net loans and leases to deposits | 45.7753% | 7,338 |
| Net loans and leases to core deposits | 47.9422% | 7,366 |
| Total domestic deposits to total assets | 88.5134% | 1,781 |
| Equity capital to assets | 11.2112% | 2,579 |
| Core capital (leverage) ratio | 11.4400% | 1,948 |
| Tier 1 risk-based capital ratio | 18.5036% | 1,832 |
| Total risk-based capital ratio | 19.3041% | 1,904 |
| Memoranda: | ||
| Average total assets | $93,991,000 | 5,314 |
| Average earning assets | $68,597,000 | 5,887 |
| Average equity | $9,207,000 | 5,479 |
| Average total loans | $37,688,000 | 6,222 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3919% | 848 |
| Cost of funding earning assets | 3.6667% | 26 |
| Net interest margin | 2.7253% | 7,176 |
| Noninterest income to average assets | -0.0254% | 7,741 |
| Noninterest expense to average assets | 4.3750% | 902 |
| Loan and lease loss provision to assets | 0.7140% | 2,976 |
| Net operating income to assets | -3.4258% | 7,493 |
| Return on assets (ROA) | -2.6186% | 7,306 |
| Pretax return on assets | -2.6144% | 7,181 |
| Return on Equity (ROE) | -16.1353% | 6,995 |
| Retained earnings to average equity (ytd only) | -16.1353% | 6,944 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 262.3888% | 75 |
| Assets per employee ($millions) | 9.9108% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 5,851 |
| 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 | 38.6717% | 7,423 |
| Net loans and leases to deposits | 42.2312% | 7,566 |
| Net loans and leases to core deposits | 48.8701% | 7,617 |
| Total domestic deposits to total assets | 91.5715% | 358 |
| Equity capital to assets | 8.2279% | 6,307 |
| Core capital (leverage) ratio | 8.8514% | 4,681 |
| Tier 1 risk-based capital ratio | 15.3677% | 2,776 |
| Total risk-based capital ratio | 16.2090% | 2,913 |
| Memoranda: | ||
| Average total assets | $47,200,000 | 6,822 |
| Average earning assets | $29,318,200 | 7,383 |
| Average equity | $7,660,200 | 6,032 |
| Average total loans | $17,086,600 | 7,346 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1483% | 245 |
| Cost of funding earning assets | 3.6464% | 38 |
| Net interest margin | 3.5019% | 4,856 |
| Noninterest income to average assets | -0.0436% | 7,890 |
| Noninterest expense to average assets | 5.3876% | 391 |
| Loan and lease loss provision to assets | 0.7883% | 2,398 |
| Net operating income to assets | -4.2033% | 7,769 |
| Return on assets (ROA) | -4.3413% | 7,783 |
| Pretax return on assets | -4.3340% | 7,735 |
| Return on Equity (ROE) | -20.5838% | 7,394 |
| Retained earnings to average equity (ytd only) | -20.5838% | 7,360 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 272.1101% | 76 |
| Assets per employee ($millions) | 8.2613% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,160 |
| 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 | 33.4665% | 7,703 |
| Net loans and leases to deposits | 37.6560% | 7,788 |
| Net loans and leases to core deposits | 46.2749% | 7,767 |
| Total domestic deposits to total assets | 88.8743% | 1,256 |
| Equity capital to assets | 10.8670% | 3,146 |
| Core capital (leverage) ratio | 13.7041% | 1,168 |
| Tier 1 risk-based capital ratio | 24.9307% | 906 |
| Total risk-based capital ratio | 25.8679% | 915 |
| Memoranda: | ||
| Average total assets | $36,700,750 | 7,283 |
| Average earning assets | $21,207,250 | 7,747 |
| Average equity | $7,740,500 | 6,068 |
| Average total loans | $12,638,000 | 7,641 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3548% | 1,089 |
| Cost of funding earning assets | 3.4238% | 137 |
| Net interest margin | 2.9310% | 6,733 |
| Noninterest income to average assets | 0.0074% | 7,918 |
| Noninterest expense to average assets | 7.0472% | 213 |
| Loan and lease loss provision to assets | 0.9292% | 1,816 |
| Net operating income to assets | -6.3038% | 8,013 |
| Return on assets (ROA) | -6.5863% | 8,021 |
| Pretax return on assets | -6.5714% | 7,989 |
| Return on Equity (ROE) | -22.3549% | 7,570 |
| Retained earnings to average equity (ytd only) | -22.3549% | 7,526 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 417.6211% | 50 |
| Assets per employee ($millions) | 4.7670% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 4,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.6652% | 7,650 |
| Net loans and leases to deposits | 46.9980% | 7,597 |
| Net loans and leases to core deposits | 64.4328% | 7,279 |
| Total domestic deposits to total assets | 80.1421% | 5,421 |
| Equity capital to assets | 19.6743% | 408 |
| Core capital (leverage) ratio | 33.2749% | 120 |
| Tier 1 risk-based capital ratio | 39.8955% | 311 |
| Total risk-based capital ratio | 40.8381% | 308 |
| Memoranda: | ||
| Average total assets | $26,904,330 | 7,727 |
| Average earning assets | $15,421,330 | 7,992 |
| Average equity | $7,926,670 | 6,046 |
| Average total loans | $9,389,000 | 7,889 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4646% | 172 |
| Cost of funding earning assets | 3.8041% | 62 |
| Net interest margin | 3.6605% | 4,059 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 9.1505% | 132 |
| Loan and lease loss provision to assets | 0.5261% | 2,365 |
| Net operating income to assets | -7.7601% | 8,140 |
| Return on assets (ROA) | -7.7601% | 8,129 |
| Pretax return on assets | -7.7601% | 8,104 |
| Return on Equity (ROE) | -20.2986% | 7,759 |
| Retained earnings to average equity (ytd only) | -20.2986% | 7,651 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 477.4510% | 42 |
| Assets per employee ($millions) | 3.0466% | 6,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 6,326 |
| 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 | 32.4047% | 7,857 |
| Net loans and leases to deposits | 48.0384% | 7,574 |
| Net loans and leases to core deposits | 87.8434% | 5,755 |
| Total domestic deposits to total assets | 67.4558% | 7,634 |
| Equity capital to assets | 32.3883% | 124 |
| Core capital (leverage) ratio | 37.8473% | 102 |
| Tier 1 risk-based capital ratio | 77.0290% | 93 |
| Total risk-based capital ratio | 77.7908% | 92 |
| Memoranda: | ||
| Average total assets | $21,288,500 | 7,944 |
| Average earning assets | $11,146,000 | 8,148 |
| Average equity | $8,138,500 | 6,005 |
| Average total loans | $6,814,000 | 8,045 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9949% | 8,176 |
| Cost of funding earning assets | 0.2372% | 8,232 |
| Net interest margin | 2.7576% | 7,400 |
| Noninterest income to average assets | 0.0077% | 8,076 |
| Noninterest expense to average assets | 12.8213% | 95 |
| Loan and lease loss provision to assets | 0.3836% | 3,392 |
| Net operating income to assets | -11.0565% | 8,265 |
| Return on assets (ROA) | -11.0259% | 8,264 |
| Pretax return on assets | -11.0259% | 8,255 |
| Return on Equity (ROE) | -16.3370% | 7,639 |
| Retained earnings to average equity (ytd only) | -16.3370% | 7,533 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 596.7857% | 34 |
| Assets per employee ($millions) | 2.2755% | 7,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 6,756 |
| 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 | 30.7735% | 7,969 |
| Net loans and leases to deposits | 57.1283% | 7,253 |
| Net loans and leases to core deposits | 113.3091% | 3,415 |
| Total domestic deposits to total assets | 53.8673% | 8,090 |
| Equity capital to assets | 46.0503% | 87 |
| Core capital (leverage) ratio | 65.2673% | 49 |
| Tier 1 risk-based capital ratio | 115.9173% | 69 |
| Total risk-based capital ratio | 116.6155% | 69 |
| Memoranda: | ||
| Average total assets | $13,033,000 | 8,204 |
| Average earning assets | $10,117,330 | 8,213 |
| Average equity | $8,796,000 | 5,810 |
| Average total loans | $2,097,000 | 8,232 |