Home > Global Bank > Performance and Condition Ratios
Global 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 | 6.6228% | 311 |
| Cost of funding earning assets | 3.0731% | 129 |
| Net interest margin | 3.5497% | 2,068 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.7940% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5066% | 3,657 |
| Return on assets (ROA) | 0.5066% | 3,648 |
| Pretax return on assets | 0.6880% | 3,466 |
| Return on Equity (ROE) | 3.7500% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.7527% | 3,042 |
| Net charge-offs to loans | -0.0019% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 80.2413% | 900 |
| Assets per employee ($millions) | 7.5023% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,346 |
| Loan loss allowance to noncurrent loans | 48.4624% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 2.1278% | 122 |
| Noncurrent loans to loans | 2.4590% | 201 |
| Net loans and leases to total assets | 85.5000% | 183 |
| Net loans and leases to deposits | 114.7894% | 126 |
| Net loans and leases to core deposits | 132.1980% | 374 |
| Total domestic deposits to total assets | 74.4900% | 4,071 |
| Equity capital to assets | 13.7631% | 718 |
| Core capital (leverage) ratio | 14.0657% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $247,528,600 | 2,701 |
| Average earning assets | $233,767,200 | 2,660 |
| Average equity | $33,415,600 | 2,121 |
| Average total loans | $216,212,800 | 2,187 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4846% | 308 |
| Cost of funding earning assets | 2.8658% | 142 |
| Net interest margin | 3.6188% | 1,953 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.7828% | 1,471 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5376% | 3,686 |
| Return on assets (ROA) | 0.5376% | 3,674 |
| Pretax return on assets | 0.7514% | 3,444 |
| Return on Equity (ROE) | 4.0000% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.0018% | 3,257 |
| Net charge-offs to loans | -0.0018% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.7380% | 951 |
| Assets per employee ($millions) | 7.4594% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 2,459 |
| Loan loss allowance to noncurrent loans | 89.9225% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.1529% | 400 |
| Noncurrent loans to loans | 1.3147% | 582 |
| Net loans and leases to total assets | 86.6600% | 133 |
| Net loans and leases to deposits | 111.9888% | 166 |
| Net loans and leases to core deposits | 128.1837% | 364 |
| Total domestic deposits to total assets | 77.3800% | 3,890 |
| Equity capital to assets | 13.6553% | 698 |
| Core capital (leverage) ratio | 13.7767% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $247,517,000 | 2,703 |
| Average earning assets | $233,923,000 | 2,674 |
| Average equity | $33,251,000 | 2,114 |
| Average total loans | $216,707,250 | 2,180 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3613% | 298 |
| Cost of funding earning assets | 2.6338% | 145 |
| Net interest margin | 3.7275% | 1,763 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.8431% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6017% | 3,568 |
| Return on assets (ROA) | 0.6017% | 3,576 |
| Pretax return on assets | 0.8211% | 3,349 |
| Return on Equity (ROE) | 4.5000% | 3,953 |
| Retained earnings to average equity (ytd only) | 4.5035% | 3,081 |
| Net charge-offs to loans | -0.0018% | 3,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.5919% | 1,030 |
| Assets per employee ($millions) | 7.2010% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 2,477 |
| Loan loss allowance to noncurrent loans | 88.6688% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 354 |
| Noncurrent loans to loans | 1.3461% | 528 |
| Net loans and leases to total assets | 86.2500% | 140 |
| Net loans and leases to deposits | 111.5910% | 176 |
| Net loans and leases to core deposits | 127.2028% | 369 |
| Total domestic deposits to total assets | 77.2900% | 3,918 |
| Equity capital to assets | 13.6820% | 684 |
| Core capital (leverage) ratio | 13.7199% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $247,969,000 | 2,699 |
| Average earning assets | $234,417,000 | 2,683 |
| Average equity | $33,130,000 | 2,138 |
| Average total loans | $216,988,000 | 2,172 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0604% | 295 |
| Cost of funding earning assets | 2.4286% | 113 |
| Net interest margin | 3.6318% | 2,054 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.8934% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5162% | 3,857 |
| Return on assets (ROA) | 0.5162% | 3,820 |
| Pretax return on assets | 0.6941% | 3,676 |
| Return on Equity (ROE) | 3.9100% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.9094% | 3,297 |
| Net charge-offs to loans | -0.0018% | 3,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.6524% | 781 |
| Assets per employee ($millions) | 7.0925% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 2,745 |
| Loan loss allowance to noncurrent loans | 91.1691% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.1267% | 335 |
| Noncurrent loans to loans | 1.2762% | 531 |
| Net loans and leases to total assets | 87.2600% | 96 |
| Net loans and leases to deposits | 109.9941% | 183 |
| Net loans and leases to core deposits | 126.6928% | 321 |
| Total domestic deposits to total assets | 79.3300% | 3,862 |
| Equity capital to assets | 13.3481% | 690 |
| Core capital (leverage) ratio | 13.4305% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $249,537,000 | 2,731 |
| Average earning assets | $236,024,500 | 2,694 |
| Average equity | $32,946,000 | 2,168 |
| Average total loans | $218,618,000 | 2,180 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1128% | 251 |
| Cost of funding earning assets | 0.9306% | 223 |
| Net interest margin | 4.1823% | 562 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.8656% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2528% | 1,594 |
| Return on assets (ROA) | 1.2528% | 1,540 |
| Pretax return on assets | 1.6280% | 1,084 |
| Return on Equity (ROE) | 9.3700% | 3,005 |
| Retained earnings to average equity (ytd only) | 9.3659% | 1,372 |
| Net charge-offs to loans | 0.0131% | 1,887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 143.3333% | 811 |
| Efficiency ratio | 63.7708% | 2,529 |
| Assets per employee ($millions) | 6.7880% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 2,534 |
| Loan loss allowance to noncurrent loans | 634.0796% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 2,415 |
| Noncurrent loans to loans | 0.1843% | 2,568 |
| Net loans and leases to total assets | 85.8200% | 168 |
| Net loans and leases to deposits | 111.9015% | 132 |
| Net loans and leases to core deposits | 129.2846% | 235 |
| Total domestic deposits to total assets | 76.6900% | 4,207 |
| Equity capital to assets | 13.1688% | 674 |
| Core capital (leverage) ratio | 13.4015% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $237,712,400 | 2,800 |
| Average earning assets | $225,882,000 | 2,766 |
| Average equity | $31,796,200 | 2,256 |
| Average total loans | $205,896,800 | 2,186 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 260 |
| Cost of funding earning assets | 0.6321% | 369 |
| Net interest margin | 4.2238% | 397 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.9448% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3102% | 1,319 |
| Return on assets (ROA) | 1.3102% | 1,284 |
| Pretax return on assets | 1.7210% | 865 |
| Return on Equity (ROE) | 9.7600% | 2,800 |
| Retained earnings to average equity (ytd only) | 9.7551% | 1,415 |
| Net charge-offs to loans | -0.0020% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.1143% | 2,671 |
| Assets per employee ($millions) | 6.5671% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,371 |
| Loan loss allowance to noncurrent loans | 384.9254% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 1,845 |
| Noncurrent loans to loans | 0.3193% | 2,098 |
| Net loans and leases to total assets | 85.3000% | 166 |
| Net loans and leases to deposits | 108.0343% | 152 |
| Net loans and leases to core deposits | 121.5346% | 236 |
| Total domestic deposits to total assets | 78.9500% | 4,183 |
| Equity capital to assets | 13.3393% | 636 |
| Core capital (leverage) ratio | 13.7407% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $234,351,750 | 2,844 |
| Average earning assets | $222,955,000 | 2,806 |
| Average equity | $31,476,750 | 2,295 |
| Average total loans | $202,851,500 | 2,209 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 282 |
| Cost of funding earning assets | 0.4412% | 725 |
| Net interest margin | 4.1964% | 337 |
| Noninterest income to average assets | 0.9228% | 801 |
| Noninterest expense to average assets | 3.0154% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4498% | 798 |
| Return on assets (ROA) | 1.4498% | 777 |
| Pretax return on assets | 1.9095% | 459 |
| Return on Equity (ROE) | 10.7685% | 2,064 |
| Retained earnings to average equity (ytd only) | 10.7685% | 830 |
| Net charge-offs to loans | -0.0020% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2281% | 3,148 |
| Assets per employee ($millions) | 6.5058% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,339 |
| Loan loss allowance to noncurrent loans | 636.5432% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 2,466 |
| Noncurrent loans to loans | 0.1993% | 2,714 |
| Net loans and leases to total assets | 88.1310% | 40 |
| Net loans and leases to deposits | 106.7630% | 122 |
| Net loans and leases to core deposits | 116.9529% | 232 |
| Total domestic deposits to total assets | 82.5482% | 3,938 |
| Equity capital to assets | 14.0065% | 513 |
| Core capital (leverage) ratio | 13.9317% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,475,000 | 2,879 |
| Average earning assets | $220,762,667 | 2,846 |
| Average equity | $31,165,000 | 2,359 |
| Average total loans | $200,524,667 | 2,233 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 356 |
| Cost of funding earning assets | 0.3897% | 924 |
| Net interest margin | 4.0563% | 371 |
| Noninterest income to average assets | 1.2256% | 476 |
| Noninterest expense to average assets | 3.2499% | 567 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4415% | 723 |
| Return on assets (ROA) | 1.4415% | 721 |
| Pretax return on assets | 1.8649% | 477 |
| Return on Equity (ROE) | 10.9217% | 1,642 |
| Retained earnings to average equity (ytd only) | 10.9217% | 795 |
| Net charge-offs to loans | -0.0020% | 3,113 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5389% | 3,082 |
| Assets per employee ($millions) | 6.5208% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,478 |
| Loan loss allowance to noncurrent loans | 631.6176% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,576 |
| Noncurrent loans to loans | 0.2018% | 2,814 |
| Net loans and leases to total assets | 85.0196% | 68 |
| Net loans and leases to deposits | 102.4343% | 135 |
| Net loans and leases to core deposits | 113.0060% | 208 |
| Total domestic deposits to total assets | 82.9991% | 3,938 |
| Equity capital to assets | 13.2705% | 641 |
| Core capital (leverage) ratio | 13.1595% | 746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,361,500 | 2,880 |
| Average earning assets | $223,750,000 | 2,843 |
| Average equity | $30,801,000 | 2,440 |
| Average total loans | $199,160,000 | 2,235 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 356 |
| Cost of funding earning assets | 0.4449% | 1,242 |
| Net interest margin | 4.3576% | 363 |
| Noninterest income to average assets | 1.8424% | 355 |
| Noninterest expense to average assets | 3.4466% | 520 |
| Loan and lease loss provision to assets | 0.1050% | 1,204 |
| Net operating income to assets | 1.9502% | 374 |
| Return on assets (ROA) | 1.9502% | 398 |
| Pretax return on assets | 2.5162% | 248 |
| Return on Equity (ROE) | 15.3294% | 877 |
| Retained earnings to average equity (ytd only) | 15.3294% | 200 |
| Net charge-offs to loans | -0.0020% | 3,360 |
| Credit loss provision to net charge-offs | -5,750.0000% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8011% | 3,600 |
| Assets per employee ($millions) | 6.2696% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 2,306 |
| Loan loss allowance to noncurrent loans | 629.8289% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 2,703 |
| Noncurrent loans to loans | 0.2085% | 2,909 |
| Net loans and leases to total assets | 83.4509% | 129 |
| Net loans and leases to deposits | 96.9709% | 281 |
| Net loans and leases to core deposits | 107.4940% | 334 |
| Total domestic deposits to total assets | 86.0576% | 2,879 |
| Equity capital to assets | 13.1264% | 866 |
| Core capital (leverage) ratio | 13.0823% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,057,400 | 2,912 |
| Average earning assets | $212,412,200 | 2,853 |
| Average equity | $27,868,000 | 2,658 |
| Average total loans | $199,660,000 | 2,239 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 437 |
| Cost of funding earning assets | 0.4585% | 1,298 |
| Net interest margin | 4.3010% | 450 |
| Noninterest income to average assets | 1.7687% | 411 |
| Noninterest expense to average assets | 4.1297% | 266 |
| Loan and lease loss provision to assets | 0.0185% | 2,635 |
| Net operating income to assets | 1.3535% | 1,680 |
| Return on assets (ROA) | 1.3535% | 1,736 |
| Pretax return on assets | 1.7872% | 1,189 |
| Return on Equity (ROE) | 10.7311% | 2,467 |
| Retained earnings to average equity (ytd only) | 10.7311% | 1,114 |
| Net charge-offs to loans | -0.0020% | 3,219 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5774% | 1,645 |
| Assets per employee ($millions) | 6.4134% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1257% | 3,312 |
| Loan loss allowance to noncurrent loans | 84.5798% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 483 |
| Noncurrent loans to loans | 1.3309% | 805 |
| Net loans and leases to total assets | 90.3536% | 16 |
| Net loans and leases to deposits | 108.3002% | 110 |
| Net loans and leases to core deposits | 118.3911% | 200 |
| Total domestic deposits to total assets | 83.4288% | 3,602 |
| Equity capital to assets | 12.2898% | 1,264 |
| Core capital (leverage) ratio | 12.6357% | 946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,827,750 | 2,973 |
| Average earning assets | $209,094,250 | 2,907 |
| Average equity | $27,222,500 | 2,729 |
| Average total loans | $200,534,500 | 2,268 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 426 |
| Cost of funding earning assets | 0.4894% | 1,266 |
| Net interest margin | 4.3817% | 424 |
| Noninterest income to average assets | 1.4629% | 567 |
| Noninterest expense to average assets | 4.0226% | 288 |
| Loan and lease loss provision to assets | 0.0285% | 2,413 |
| Net operating income to assets | 1.2286% | 2,085 |
| Return on assets (ROA) | 1.2286% | 2,154 |
| Pretax return on assets | 1.6508% | 1,613 |
| Return on Equity (ROE) | 9.6504% | 2,888 |
| Retained earnings to average equity (ytd only) | 9.6504% | 1,507 |
| Net charge-offs to loans | -0.0020% | 3,201 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5491% | 1,575 |
| Assets per employee ($millions) | 6.3382% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 3,088 |
| Loan loss allowance to noncurrent loans | 574.8184% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 2,997 |
| Noncurrent loans to loans | 0.2040% | 3,229 |
| Net loans and leases to total assets | 92.8412% | 6 |
| Net loans and leases to deposits | 113.2245% | 83 |
| Net loans and leases to core deposits | 121.7451% | 200 |
| Total domestic deposits to total assets | 81.9975% | 3,921 |
| Equity capital to assets | 12.7602% | 1,025 |
| Core capital (leverage) ratio | 12.8565% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,809,333 | 3,007 |
| Average earning assets | $203,939,000 | 2,951 |
| Average equity | $26,838,333 | 2,757 |
| Average total loans | $197,050,667 | 2,296 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 452 |
| Cost of funding earning assets | 0.5241% | 1,244 |
| Net interest margin | 4.3237% | 497 |
| Noninterest income to average assets | 1.2549% | 801 |
| Noninterest expense to average assets | 3.8510% | 323 |
| Loan and lease loss provision to assets | 0.0576% | 1,967 |
| Net operating income to assets | 1.1225% | 2,411 |
| Return on assets (ROA) | 1.1225% | 2,485 |
| Pretax return on assets | 1.5254% | 1,931 |
| Return on Equity (ROE) | 8.8274% | 3,093 |
| Retained earnings to average equity (ytd only) | 8.8274% | 2,011 |
| Net charge-offs to loans | -0.0021% | 3,143 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8686% | 1,615 |
| Assets per employee ($millions) | 6.3087% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 3,000 |
| Loan loss allowance to noncurrent loans | 571.8072% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,198 |
| Noncurrent loans to loans | 0.2073% | 3,360 |
| Net loans and leases to total assets | 92.2134% | 8 |
| Net loans and leases to deposits | 117.2453% | 85 |
| Net loans and leases to core deposits | 126.1739% | 182 |
| Total domestic deposits to total assets | 78.6500% | 4,366 |
| Equity capital to assets | 12.4916% | 1,086 |
| Core capital (leverage) ratio | 12.7944% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,465,000 | 3,017 |
| Average earning assets | $201,495,500 | 2,959 |
| Average equity | $26,508,500 | 2,768 |
| Average total loans | $194,353,500 | 2,318 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 305 |
| Cost of funding earning assets | 1.1430% | 346 |
| Net interest margin | 4.1053% | 773 |
| Noninterest income to average assets | 0.8539% | 1,385 |
| Noninterest expense to average assets | 3.2984% | 910 |
| Loan and lease loss provision to assets | 0.4243% | 695 |
| Net operating income to assets | 0.8495% | 2,901 |
| Return on assets (ROA) | 0.8495% | 3,038 |
| Pretax return on assets | 1.0879% | 2,749 |
| Return on Equity (ROE) | 6.8816% | 3,253 |
| Retained earnings to average equity (ytd only) | 6.8816% | 1,434 |
| Net charge-offs to loans | -0.0021% | 3,990 |
| Credit loss provision to net charge-offs | -21,625.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5665% | 2,154 |
| Assets per employee ($millions) | 6.3261% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,737 |
| Loan loss allowance to noncurrent loans | 562.9808% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 3,260 |
| Noncurrent loans to loans | 0.2206% | 3,411 |
| Net loans and leases to total assets | 91.9796% | 11 |
| Net loans and leases to deposits | 118.2315% | 86 |
| Net loans and leases to core deposits | 127.4063% | 220 |
| Total domestic deposits to total assets | 77.7962% | 4,337 |
| Equity capital to assets | 12.9539% | 1,104 |
| Core capital (leverage) ratio | 12.8522% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,887,800 | 2,907 |
| Average earning assets | $196,501,800 | 2,860 |
| Average equity | $25,168,600 | 2,789 |
| Average total loans | $187,568,000 | 2,345 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3064% | 341 |
| Cost of funding earning assets | 1.2868% | 260 |
| Net interest margin | 4.0196% | 1,066 |
| Noninterest income to average assets | 0.9348% | 1,144 |
| Noninterest expense to average assets | 3.5798% | 632 |
| Loan and lease loss provision to assets | 0.4862% | 623 |
| Net operating income to assets | 0.5738% | 3,850 |
| Return on assets (ROA) | 0.5738% | 3,944 |
| Pretax return on assets | 0.7409% | 3,797 |
| Return on Equity (ROE) | 4.7058% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.7058% | 2,690 |
| Net charge-offs to loans | -0.0021% | 3,892 |
| Credit loss provision to net charge-offs | -24,833.3333% | 4,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4704% | 1,362 |
| Assets per employee ($millions) | 6.2382% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,615 |
| Loan loss allowance to noncurrent loans | 533.8942% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 3,399 |
| Noncurrent loans to loans | 0.2265% | 3,492 |
| Net loans and leases to total assets | 90.8788% | 29 |
| Net loans and leases to deposits | 118.8453% | 124 |
| Net loans and leases to core deposits | 125.4347% | 315 |
| Total domestic deposits to total assets | 76.4681% | 4,388 |
| Equity capital to assets | 12.7095% | 1,325 |
| Core capital (leverage) ratio | 12.3486% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,251,250 | 2,886 |
| Average earning assets | $196,762,750 | 2,838 |
| Average equity | $24,905,000 | 2,797 |
| Average total loans | $187,325,000 | 2,356 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 528 |
| Cost of funding earning assets | 1.4640% | 176 |
| Net interest margin | 3.7750% | 1,899 |
| Noninterest income to average assets | 0.8377% | 1,325 |
| Noninterest expense to average assets | 3.5346% | 715 |
| Loan and lease loss provision to assets | 0.2673% | 1,599 |
| Net operating income to assets | 0.5180% | 3,963 |
| Return on assets (ROA) | 0.5180% | 4,049 |
| Pretax return on assets | 0.6696% | 3,929 |
| Return on Equity (ROE) | 4.3071% | 4,018 |
| Retained earnings to average equity (ytd only) | 4.3071% | 2,779 |
| Net charge-offs to loans | -0.0021% | 3,833 |
| Credit loss provision to net charge-offs | -13,750.0000% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0480% | 958 |
| Assets per employee ($millions) | 6.9108% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 4,076 |
| Loan loss allowance to noncurrent loans | 112.4679% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.7263% | 1,692 |
| Noncurrent loans to loans | 0.7836% | 1,934 |
| Net loans and leases to total assets | 91.8715% | 12 |
| Net loans and leases to deposits | 127.5741% | 57 |
| Net loans and leases to core deposits | 137.3032% | 190 |
| Total domestic deposits to total assets | 72.0142% | 4,709 |
| Equity capital to assets | 11.6802% | 1,842 |
| Core capital (leverage) ratio | 11.5776% | 1,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,794,000 | 2,856 |
| Average earning assets | $198,092,333 | 2,796 |
| Average equity | $24,749,667 | 2,799 |
| Average total loans | $188,554,667 | 2,318 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3626% | 482 |
| Cost of funding earning assets | 1.6740% | 147 |
| Net interest margin | 3.6886% | 2,362 |
| Noninterest income to average assets | 1.5022% | 394 |
| Noninterest expense to average assets | 4.1712% | 422 |
| Loan and lease loss provision to assets | 0.0794% | 2,721 |
| Net operating income to assets | 0.6191% | 3,545 |
| Return on assets (ROA) | 0.6191% | 3,602 |
| Pretax return on assets | 0.7977% | 3,421 |
| Return on Equity (ROE) | 5.0705% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.0705% | 2,244 |
| Net charge-offs to loans | -0.0022% | 3,669 |
| Credit loss provision to net charge-offs | -4,000.0000% | 3,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6258% | 926 |
| Assets per employee ($millions) | 6.4736% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 4,326 |
| Loan loss allowance to noncurrent loans | 105.4318% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.7156% | 1,874 |
| Noncurrent loans to loans | 0.7901% | 2,035 |
| Net loans and leases to total assets | 89.8112% | 36 |
| Net loans and leases to deposits | 134.6887% | 29 |
| Net loans and leases to core deposits | 156.7056% | 92 |
| Total domestic deposits to total assets | 66.6806% | 4,948 |
| Equity capital to assets | 12.3519% | 1,831 |
| Core capital (leverage) ratio | 12.2811% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,574,000 | 2,855 |
| Average earning assets | $193,785,000 | 2,797 |
| Average equity | $24,613,000 | 2,802 |
| Average total loans | $183,547,000 | 2,323 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 566 |
| Cost of funding earning assets | 1.7649% | 158 |
| Net interest margin | 3.7277% | 2,736 |
| Noninterest income to average assets | 0.3175% | 3,795 |
| Noninterest expense to average assets | 3.2673% | 1,367 |
| Loan and lease loss provision to assets | 0.0095% | 3,817 |
| Net operating income to assets | 0.4907% | 4,424 |
| Return on assets (ROA) | 0.4907% | 4,472 |
| Pretax return on assets | 0.6304% | 4,371 |
| Return on Equity (ROE) | 3.8547% | 4,497 |
| Retained earnings to average equity (ytd only) | 3.8547% | 3,041 |
| Net charge-offs to loans | -0.0025% | 4,249 |
| Credit loss provision to net charge-offs | -425.0000% | 4,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6218% | 682 |
| Assets per employee ($millions) | 6.3271% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 4,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 90.8162% | 37 |
| Net loans and leases to deposits | 136.6326% | 29 |
| Net loans and leases to core deposits | 157.5353% | 89 |
| Total domestic deposits to total assets | 66.4675% | 5,020 |
| Equity capital to assets | 12.0702% | 2,095 |
| Core capital (leverage) ratio | 12.5607% | 1,454 |
| Tier 1 risk-based capital ratio | 14.3455% | 3,093 |
| Total risk-based capital ratio | 15.2094% | 3,192 |
| Memoranda: | ||
| Average total assets | $178,923,600 | 3,030 |
| Average earning assets | $172,304,000 | 2,959 |
| Average equity | $22,777,600 | 2,888 |
| Average total loans | $158,309,600 | 2,530 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5846% | 508 |
| Cost of funding earning assets | 1.7792% | 152 |
| Net interest margin | 3.8054% | 2,578 |
| Noninterest income to average assets | 0.3598% | 3,572 |
| Noninterest expense to average assets | 3.4496% | 1,012 |
| Loan and lease loss provision to assets | 0.0131% | 3,640 |
| Net operating income to assets | 0.4292% | 4,664 |
| Return on assets (ROA) | 0.4292% | 4,696 |
| Pretax return on assets | 0.5640% | 4,603 |
| Return on Equity (ROE) | 3.3210% | 4,710 |
| Retained earnings to average equity (ytd only) | 3.3210% | 3,746 |
| Net charge-offs to loans | -0.0018% | 4,045 |
| Credit loss provision to net charge-offs | -850.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6678% | 519 |
| Assets per employee ($millions) | 5.4277% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 3,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 88.1293% | 91 |
| Net loans and leases to deposits | 120.7078% | 88 |
| Net loans and leases to core deposits | 133.6743% | 253 |
| Total domestic deposits to total assets | 73.0105% | 4,863 |
| Equity capital to assets | 13.4925% | 1,369 |
| Core capital (leverage) ratio | 13.4973% | 1,132 |
| Tier 1 risk-based capital ratio | 15.9429% | 2,457 |
| Total risk-based capital ratio | 16.9121% | 2,513 |
| Memoranda: | ||
| Average total assets | $173,038,000 | 3,112 |
| Average earning assets | $166,740,500 | 3,050 |
| Average equity | $22,362,500 | 2,948 |
| Average total loans | $151,550,750 | 2,633 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 513 |
| Cost of funding earning assets | 1.7377% | 161 |
| Net interest margin | 3.8138% | 2,539 |
| Noninterest income to average assets | 0.2854% | 4,034 |
| Noninterest expense to average assets | 3.4091% | 1,089 |
| Loan and lease loss provision to assets | 0.0199% | 3,396 |
| Net operating income to assets | 0.4070% | 4,723 |
| Return on assets (ROA) | 0.4070% | 4,746 |
| Pretax return on assets | 0.5345% | 4,646 |
| Return on Equity (ROE) | 3.1984% | 4,752 |
| Retained earnings to average equity (ytd only) | 3.1984% | 3,627 |
| Net charge-offs to loans | -0.0027% | 4,009 |
| Credit loss provision to net charge-offs | -850.0000% | 4,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0136% | 546 |
| Assets per employee ($millions) | 5.7989% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 3,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 88.1467% | 108 |
| Net loans and leases to deposits | 106.5702% | 317 |
| Net loans and leases to core deposits | 117.7798% | 613 |
| Total domestic deposits to total assets | 82.7123% | 3,304 |
| Equity capital to assets | 13.7646% | 1,213 |
| Core capital (leverage) ratio | 14.0999% | 937 |
| Tier 1 risk-based capital ratio | 16.5796% | 2,208 |
| Total risk-based capital ratio | 17.5963% | 2,229 |
| Memoranda: | ||
| Average total assets | $171,012,670 | 3,152 |
| Average earning assets | $164,929,000 | 3,084 |
| Average equity | $21,761,000 | 2,998 |
| Average total loans | $148,960,000 | 2,668 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4077% | 622 |
| Cost of funding earning assets | 1.7145% | 153 |
| Net interest margin | 3.6932% | 2,917 |
| Noninterest income to average assets | 0.2454% | 4,251 |
| Noninterest expense to average assets | 3.2796% | 1,328 |
| Loan and lease loss provision to assets | 0.0401% | 2,823 |
| Net operating income to assets | 0.3704% | 4,791 |
| Return on assets (ROA) | 0.3704% | 4,797 |
| Pretax return on assets | 0.4884% | 4,714 |
| Return on Equity (ROE) | 3.0384% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.0384% | 3,720 |
| Net charge-offs to loans | -0.0027% | 3,908 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1214% | 575 |
| Assets per employee ($millions) | 5.6249% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 85.6377% | 217 |
| Net loans and leases to deposits | 98.3182% | 762 |
| Net loans and leases to core deposits | 109.7058% | 949 |
| Total domestic deposits to total assets | 87.1026% | 1,755 |
| Equity capital to assets | 12.3066% | 1,844 |
| Core capital (leverage) ratio | 12.2684% | 1,621 |
| Tier 1 risk-based capital ratio | 15.1631% | 2,813 |
| Total risk-based capital ratio | 16.2320% | 2,821 |
| Memoranda: | ||
| Average total assets | $169,535,000 | 3,199 |
| Average earning assets | $163,544,500 | 3,133 |
| Average equity | $20,668,500 | 3,098 |
| Average total loans | $146,031,000 | 2,732 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 882 |
| Cost of funding earning assets | 1.3395% | 187 |
| Net interest margin | 3.7435% | 2,885 |
| Noninterest income to average assets | 0.2783% | 4,239 |
| Noninterest expense to average assets | 3.3329% | 1,255 |
| Loan and lease loss provision to assets | 0.0331% | 3,531 |
| Net operating income to assets | 0.3899% | 4,877 |
| Return on assets (ROA) | 0.3899% | 4,872 |
| Pretax return on assets | 0.5170% | 4,774 |
| Return on Equity (ROE) | 3.5400% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.5400% | 3,639 |
| Net charge-offs to loans | -0.0077% | 4,431 |
| Credit loss provision to net charge-offs | -509.0909% | 4,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8338% | 536 |
| Assets per employee ($millions) | 5.4943% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 3,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 84.9145% | 322 |
| Net loans and leases to deposits | 102.0706% | 587 |
| Net loans and leases to core deposits | 114.6012% | 757 |
| Total domestic deposits to total assets | 83.1919% | 3,263 |
| Equity capital to assets | 12.0771% | 1,842 |
| Core capital (leverage) ratio | 12.5736% | 1,419 |
| Tier 1 risk-based capital ratio | 14.8881% | 2,885 |
| Total risk-based capital ratio | 15.9326% | 2,900 |
| Memoranda: | ||
| Average total assets | $169,253,600 | 3,180 |
| Average earning assets | $162,974,600 | 3,110 |
| Average equity | $18,644,200 | 3,224 |
| Average total loans | $143,663,400 | 2,725 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0918% | 772 |
| Cost of funding earning assets | 1.2850% | 171 |
| Net interest margin | 3.8067% | 2,619 |
| Noninterest income to average assets | 0.2272% | 4,611 |
| Noninterest expense to average assets | 3.3138% | 1,270 |
| Loan and lease loss provision to assets | 0.0363% | 3,279 |
| Net operating income to assets | 0.4071% | 4,940 |
| Return on assets (ROA) | 0.4071% | 4,942 |
| Pretax return on assets | 0.5420% | 4,833 |
| Return on Equity (ROE) | 3.7879% | 4,868 |
| Retained earnings to average equity (ytd only) | 3.7879% | 3,881 |
| Net charge-offs to loans | -0.0084% | 4,351 |
| Credit loss provision to net charge-offs | -511.1111% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1409% | 568 |
| Assets per employee ($millions) | 5.5081% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 83.5293% | 512 |
| Net loans and leases to deposits | 107.1634% | 388 |
| Net loans and leases to core deposits | 122.0127% | 511 |
| Total domestic deposits to total assets | 77.9458% | 4,492 |
| Equity capital to assets | 10.7630% | 2,882 |
| Core capital (leverage) ratio | 10.9859% | 2,589 |
| Tier 1 risk-based capital ratio | 13.4924% | 3,632 |
| Total risk-based capital ratio | 14.5431% | 3,655 |
| Memoranda: | ||
| Average total assets | $168,986,250 | 3,207 |
| Average earning assets | $162,690,000 | 3,128 |
| Average equity | $18,162,750 | 3,297 |
| Average total loans | $143,059,000 | 2,746 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 759 |
| Cost of funding earning assets | 1.1875% | 189 |
| Net interest margin | 3.8472% | 2,395 |
| Noninterest income to average assets | 0.2637% | 4,423 |
| Noninterest expense to average assets | 3.3516% | 1,214 |
| Loan and lease loss provision to assets | 0.0546% | 2,814 |
| Net operating income to assets | 0.4240% | 4,913 |
| Return on assets (ROA) | 0.4240% | 4,919 |
| Pretax return on assets | 0.5665% | 4,790 |
| Return on Equity (ROE) | 3.9467% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.9467% | 3,631 |
| Net charge-offs to loans | -0.0126% | 4,395 |
| Credit loss provision to net charge-offs | -511.1111% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3647% | 671 |
| Assets per employee ($millions) | 5.3743% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 3,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.4360% | 664 |
| Net loans and leases to deposits | 111.2645% | 251 |
| Net loans and leases to core deposits | 130.0771% | 335 |
| Total domestic deposits to total assets | 74.0901% | 5,034 |
| Equity capital to assets | 10.6026% | 3,025 |
| Core capital (leverage) ratio | 10.6764% | 2,838 |
| Tier 1 risk-based capital ratio | 13.4753% | 3,630 |
| Total risk-based capital ratio | 14.5339% | 3,666 |
| Memoranda: | ||
| Average total assets | $168,397,670 | 3,233 |
| Average earning assets | $162,353,000 | 3,159 |
| Average equity | $18,091,000 | 3,318 |
| Average total loans | $142,722,670 | 2,767 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 831 |
| Cost of funding earning assets | 1.0715% | 258 |
| Net interest margin | 3.8494% | 2,230 |
| Noninterest income to average assets | 0.2713% | 4,354 |
| Noninterest expense to average assets | 3.3012% | 1,344 |
| Loan and lease loss provision to assets | 0.1104% | 1,699 |
| Net operating income to assets | 0.4370% | 4,847 |
| Return on assets (ROA) | 0.4370% | 4,851 |
| Pretax return on assets | 0.5858% | 4,719 |
| Return on Equity (ROE) | 4.0401% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.0401% | 3,581 |
| Net charge-offs to loans | -0.0112% | 4,294 |
| Credit loss provision to net charge-offs | -1,150.0000% | 4,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5826% | 895 |
| Assets per employee ($millions) | 5.7425% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 4,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.4412% | 392 |
| Net loans and leases to deposits | 111.4874% | 219 |
| Net loans and leases to core deposits | 127.9586% | 378 |
| Total domestic deposits to total assets | 75.7405% | 4,987 |
| Equity capital to assets | 10.4885% | 3,087 |
| Core capital (leverage) ratio | 10.7864% | 2,642 |
| Tier 1 risk-based capital ratio | 13.2643% | 3,801 |
| Total risk-based capital ratio | 14.3125% | 3,827 |
| Memoranda: | ||
| Average total assets | $166,608,000 | 3,285 |
| Average earning assets | $161,271,000 | 3,201 |
| Average equity | $18,019,500 | 3,355 |
| Average total loans | $142,478,500 | 2,784 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 1,183 |
| Cost of funding earning assets | 0.8670% | 446 |
| Net interest margin | 3.8371% | 2,295 |
| Noninterest income to average assets | 0.2270% | 4,779 |
| Noninterest expense to average assets | 3.3835% | 1,232 |
| Loan and lease loss provision to assets | 0.0822% | 2,554 |
| Net operating income to assets | 0.1252% | 5,226 |
| Return on assets (ROA) | 0.1252% | 5,232 |
| Pretax return on assets | 0.4610% | 4,994 |
| Return on Equity (ROE) | 1.1024% | 5,227 |
| Retained earnings to average equity (ytd only) | 1.1024% | 4,589 |
| Net charge-offs to loans | -0.0168% | 4,908 |
| Credit loss provision to net charge-offs | -590.9091% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1675% | 636 |
| Assets per employee ($millions) | 5.3647% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 84.9168% | 353 |
| Net loans and leases to deposits | 111.4576% | 233 |
| Net loans and leases to core deposits | 127.8890% | 389 |
| Total domestic deposits to total assets | 76.1875% | 4,959 |
| Equity capital to assets | 11.1656% | 2,470 |
| Core capital (leverage) ratio | 10.9278% | 2,400 |
| Tier 1 risk-based capital ratio | 13.6584% | 3,541 |
| Total risk-based capital ratio | 14.7108% | 3,561 |
| Memoranda: | ||
| Average total assets | $158,151,200 | 3,375 |
| Average earning assets | $152,483,000 | 3,293 |
| Average equity | $17,960,200 | 3,370 |
| Average total loans | $130,577,600 | 2,908 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,320 |
| Cost of funding earning assets | 0.8253% | 500 |
| Net interest margin | 3.7942% | 2,423 |
| Noninterest income to average assets | 0.1626% | 5,203 |
| Noninterest expense to average assets | 3.3499% | 1,248 |
| Loan and lease loss provision to assets | 0.0406% | 3,296 |
| Net operating income to assets | 0.3557% | 5,093 |
| Return on assets (ROA) | 0.3557% | 5,113 |
| Pretax return on assets | 0.4276% | 5,142 |
| Return on Equity (ROE) | 3.1184% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.1184% | 4,055 |
| Net charge-offs to loans | -0.0124% | 4,695 |
| Credit loss provision to net charge-offs | -400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7356% | 522 |
| Assets per employee ($millions) | 5.3604% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 4,298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.3415% | 507 |
| Net loans and leases to deposits | 102.4460% | 587 |
| Net loans and leases to core deposits | 111.7053% | 937 |
| Total domestic deposits to total assets | 81.3516% | 3,958 |
| Equity capital to assets | 11.3250% | 2,553 |
| Core capital (leverage) ratio | 10.5409% | 2,945 |
| Tier 1 risk-based capital ratio | 14.0447% | 3,421 |
| Total risk-based capital ratio | 15.0713% | 3,453 |
| Memoranda: | ||
| Average total assets | $157,453,750 | 3,407 |
| Average earning assets | $151,700,500 | 3,334 |
| Average equity | $17,957,750 | 3,396 |
| Average total loans | $128,709,250 | 2,956 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3925% | 1,839 |
| Cost of funding earning assets | 0.7507% | 688 |
| Net interest margin | 3.6418% | 2,869 |
| Noninterest income to average assets | 0.1804% | 5,152 |
| Noninterest expense to average assets | 3.2802% | 1,408 |
| Loan and lease loss provision to assets | 0.0486% | 3,019 |
| Net operating income to assets | 0.2917% | 5,247 |
| Return on assets (ROA) | 0.2917% | 5,259 |
| Pretax return on assets | 0.3582% | 5,256 |
| Return on Equity (ROE) | 2.5513% | 5,232 |
| Retained earnings to average equity (ytd only) | 2.5513% | 4,164 |
| Net charge-offs to loans | -0.0174% | 4,723 |
| Credit loss provision to net charge-offs | -345.4545% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9660% | 504 |
| Assets per employee ($millions) | 5.8466% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.1947% | 921 |
| Net loans and leases to deposits | 109.5454% | 271 |
| Net loans and leases to core deposits | 115.7289% | 728 |
| Total domestic deposits to total assets | 73.2069% | 5,368 |
| Equity capital to assets | 10.6216% | 3,206 |
| Core capital (leverage) ratio | 11.1701% | 2,252 |
| Tier 1 risk-based capital ratio | 13.5493% | 3,674 |
| Total risk-based capital ratio | 14.5422% | 3,728 |
| Memoranda: | ||
| Average total assets | $156,334,000 | 3,436 |
| Average earning assets | $150,528,330 | 3,361 |
| Average equity | $17,873,000 | 3,417 |
| Average total loans | $126,506,670 | 2,995 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 1,765 |
| Cost of funding earning assets | 0.7074% | 812 |
| Net interest margin | 3.6589% | 2,659 |
| Noninterest income to average assets | 0.1336% | 5,448 |
| Noninterest expense to average assets | 3.4009% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1950% | 5,399 |
| Return on assets (ROA) | 0.1950% | 5,413 |
| Pretax return on assets | 0.2565% | 5,366 |
| Return on Equity (ROE) | 1.6400% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.6400% | 4,449 |
| Net charge-offs to loans | -0.0132% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9876% | 415 |
| Assets per employee ($millions) | 5.6582% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 4,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.5513% | 761 |
| Net loans and leases to deposits | 106.5843% | 303 |
| Net loans and leases to core deposits | 113.1650% | 717 |
| Total domestic deposits to total assets | 75.5752% | 5,273 |
| Equity capital to assets | 11.6796% | 2,054 |
| Core capital (leverage) ratio | 11.5996% | 1,881 |
| Tier 1 risk-based capital ratio | 14.4756% | 3,216 |
| Total risk-based capital ratio | 15.5082% | 3,247 |
| Memoranda: | ||
| Average total assets | $149,725,500 | 3,553 |
| Average earning assets | $144,195,000 | 3,471 |
| Average equity | $17,805,000 | 3,432 |
| Average total loans | $121,133,500 | 3,091 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 1,981 |
| Cost of funding earning assets | 0.6595% | 1,007 |
| Net interest margin | 3.6896% | 2,742 |
| Noninterest income to average assets | 0.2310% | 5,026 |
| Noninterest expense to average assets | 3.9426% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.1945% | 5,713 |
| Return on assets (ROA) | -0.1727% | 5,721 |
| Pretax return on assets | -0.0997% | 5,693 |
| Return on Equity (ROE) | -1.3715% | 5,721 |
| Retained earnings to average equity (ytd only) | -1.3715% | 5,483 |
| Net charge-offs to loans | -0.0445% | 5,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1790% | 187 |
| Assets per employee ($millions) | 5.4279% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 4,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 79.6553% | 942 |
| Net loans and leases to deposits | 100.0677% | 669 |
| Net loans and leases to core deposits | 106.8296% | 1,079 |
| Total domestic deposits to total assets | 79.6014% | 4,658 |
| Equity capital to assets | 12.0372% | 1,775 |
| Core capital (leverage) ratio | 11.9152% | 1,652 |
| Tier 1 risk-based capital ratio | 15.1671% | 2,894 |
| Total risk-based capital ratio | 16.2563% | 2,901 |
| Memoranda: | ||
| Average total assets | $142,419,800 | 3,635 |
| Average earning assets | $138,579,800 | 3,515 |
| Average equity | $17,936,600 | 3,417 |
| Average total loans | $112,391,800 | 3,185 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,171 |
| Cost of funding earning assets | 0.6490% | 1,062 |
| Net interest margin | 3.6485% | 2,896 |
| Noninterest income to average assets | 0.2310% | 5,090 |
| Noninterest expense to average assets | 3.7749% | 766 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0272% | 5,731 |
| Return on assets (ROA) | -0.0085% | 5,743 |
| Pretax return on assets | 0.0424% | 5,713 |
| Return on Equity (ROE) | -0.0666% | 5,743 |
| Retained earnings to average equity (ytd only) | -0.0666% | 5,367 |
| Net charge-offs to loans | -0.0553% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6515% | 232 |
| Assets per employee ($millions) | 5.2068% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 80.0886% | 882 |
| Net loans and leases to deposits | 92.1895% | 1,471 |
| Net loans and leases to core deposits | 98.8030% | 1,744 |
| Total domestic deposits to total assets | 86.8739% | 1,949 |
| Equity capital to assets | 12.7846% | 1,600 |
| Core capital (leverage) ratio | 11.9449% | 1,717 |
| Tier 1 risk-based capital ratio | 16.0770% | 2,593 |
| Total risk-based capital ratio | 17.2020% | 2,585 |
| Memoranda: | ||
| Average total assets | $141,386,250 | 3,666 |
| Average earning assets | $137,844,500 | 3,545 |
| Average equity | $18,010,500 | 3,432 |
| Average total loans | $110,997,000 | 3,211 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2415% | 2,357 |
| Cost of funding earning assets | 0.6307% | 1,137 |
| Net interest margin | 3.6108% | 3,057 |
| Noninterest income to average assets | 0.2231% | 5,155 |
| Noninterest expense to average assets | 3.6257% | 970 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0480% | 5,727 |
| Return on assets (ROA) | 0.0480% | 5,760 |
| Pretax return on assets | 0.1214% | 5,699 |
| Return on Equity (ROE) | 0.3773% | 5,761 |
| Retained earnings to average equity (ytd only) | 0.3773% | 5,190 |
| Net charge-offs to loans | -0.0600% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7596% | 318 |
| Assets per employee ($millions) | 4.9914% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0918% | 3,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.8235% | 1,094 |
| Net loans and leases to deposits | 90.8666% | 1,644 |
| Net loans and leases to core deposits | 96.6029% | 1,926 |
| Total domestic deposits to total assets | 86.7465% | 2,040 |
| Equity capital to assets | 12.9172% | 1,556 |
| Core capital (leverage) ratio | 12.5168% | 1,346 |
| Tier 1 risk-based capital ratio | 16.4431% | 2,452 |
| Total risk-based capital ratio | 17.5789% | 2,437 |
| Memoranda: | ||
| Average total assets | $141,654,000 | 3,681 |
| Average earning assets | $138,251,670 | 3,559 |
| Average equity | $18,023,000 | 3,438 |
| Average total loans | $110,056,000 | 3,233 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 2,421 |
| Cost of funding earning assets | 0.6116% | 1,259 |
| Net interest margin | 3.6009% | 3,079 |
| Noninterest income to average assets | 0.2749% | 4,760 |
| Noninterest expense to average assets | 3.4277% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2160% | 5,496 |
| Return on assets (ROA) | 0.2160% | 5,558 |
| Pretax return on assets | 0.3647% | 5,370 |
| Return on Equity (ROE) | 1.7104% | 5,573 |
| Retained earnings to average equity (ytd only) | 1.7104% | 4,587 |
| Net charge-offs to loans | -0.0914% | 5,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3846% | 651 |
| Assets per employee ($millions) | 5.4153% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.2795% | 1,347 |
| Net loans and leases to deposits | 87.8635% | 1,847 |
| Net loans and leases to core deposits | 93.3037% | 2,065 |
| Total domestic deposits to total assets | 86.8159% | 2,288 |
| Equity capital to assets | 12.8390% | 1,488 |
| Core capital (leverage) ratio | 12.5474% | 1,321 |
| Tier 1 risk-based capital ratio | 16.9540% | 2,306 |
| Total risk-based capital ratio | 18.1160% | 2,280 |
| Memoranda: | ||
| Average total assets | $142,601,500 | 3,693 |
| Average earning assets | $139,298,500 | 3,570 |
| Average equity | $18,008,000 | 3,437 |
| Average total loans | $109,394,500 | 3,247 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2460% | 2,400 |
| Cost of funding earning assets | 0.5632% | 1,649 |
| Net interest margin | 3.6828% | 2,812 |
| Noninterest income to average assets | 0.0959% | 5,887 |
| Noninterest expense to average assets | 3.3088% | 1,700 |
| Loan and lease loss provision to assets | 0.0146% | 4,115 |
| Net operating income to assets | 0.1595% | 5,660 |
| Return on assets (ROA) | 0.1670% | 5,695 |
| Pretax return on assets | 0.3904% | 5,341 |
| Return on Equity (ROE) | 1.2744% | 5,725 |
| Retained earnings to average equity (ytd only) | 1.2744% | 4,990 |
| Net charge-offs to loans | 0.0924% | 2,507 |
| Credit loss provision to net charge-offs | 21.0526% | 3,737 |
| Earnings coverage of net charge-offs (x) | 5.6526% | 3,349 |
| Efficiency ratio | 89.3769% | 728 |
| Assets per employee ($millions) | 5.7762% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 4,190 |
| Loan loss allowance to noncurrent loans | 121.5827% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6738% | 3,019 |
| Noncurrent loans to loans | 0.8831% | 2,584 |
| Net loans and leases to total assets | 75.4808% | 1,498 |
| Net loans and leases to deposits | 86.8123% | 2,027 |
| Net loans and leases to core deposits | 91.8249% | 2,243 |
| Total domestic deposits to total assets | 86.9471% | 2,163 |
| Equity capital to assets | 12.4227% | 1,659 |
| Core capital (leverage) ratio | 12.5447% | 1,325 |
| Tier 1 risk-based capital ratio | 16.6954% | 2,393 |
| Total risk-based capital ratio | 17.8209% | 2,400 |
| Memoranda: | ||
| Average total assets | $136,543,600 | 3,775 |
| Average earning assets | $133,701,000 | 3,633 |
| Average equity | $17,891,400 | 3,397 |
| Average total loans | $102,809,200 | 3,337 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,224 |
| Cost of funding earning assets | 0.5654% | 1,664 |
| Net interest margin | 3.7366% | 2,622 |
| Noninterest income to average assets | 0.0931% | 5,982 |
| Noninterest expense to average assets | 3.3140% | 1,658 |
| Loan and lease loss provision to assets | 0.0099% | 4,072 |
| Net operating income to assets | 0.2190% | 5,645 |
| Return on assets (ROA) | 0.2190% | 5,709 |
| Pretax return on assets | 0.4290% | 5,404 |
| Return on Equity (ROE) | 1.6480% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.6480% | 5,040 |
| Net charge-offs to loans | 0.1347% | 1,787 |
| Credit loss provision to net charge-offs | 9.8039% | 3,451 |
| Earnings coverage of net charge-offs (x) | 4.3430% | 3,361 |
| Efficiency ratio | 88.3052% | 817 |
| Assets per employee ($millions) | 5.4133% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 3,897 |
| Loan loss allowance to noncurrent loans | 119.8356% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 3,177 |
| Noncurrent loans to loans | 0.9645% | 2,573 |
| Net loans and leases to total assets | 70.8484% | 2,258 |
| Net loans and leases to deposits | 81.6563% | 2,687 |
| Net loans and leases to core deposits | 85.4583% | 2,908 |
| Total domestic deposits to total assets | 86.7642% | 2,159 |
| Equity capital to assets | 12.7974% | 1,566 |
| Core capital (leverage) ratio | 12.3486% | 1,489 |
| Tier 1 risk-based capital ratio | 17.9057% | 2,048 |
| Total risk-based capital ratio | 19.0960% | 2,046 |
| Memoranda: | ||
| Average total assets | $134,578,250 | 3,850 |
| Average earning assets | $131,810,500 | 3,698 |
| Average equity | $17,879,500 | 3,423 |
| Average total loans | $100,966,250 | 3,407 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 2,133 |
| Cost of funding earning assets | 0.5688% | 1,656 |
| Net interest margin | 3.7424% | 2,536 |
| Noninterest income to average assets | 0.0906% | 6,060 |
| Noninterest expense to average assets | 3.3006% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2354% | 5,617 |
| Return on assets (ROA) | 0.2354% | 5,690 |
| Pretax return on assets | 0.4543% | 5,344 |
| Return on Equity (ROE) | 1.7493% | 5,746 |
| Retained earnings to average equity (ytd only) | 1.7493% | 4,824 |
| Net charge-offs to loans | 0.2614% | 998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.2803% | 3,373 |
| Efficiency ratio | 87.9019% | 912 |
| Assets per employee ($millions) | 5.1557% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 4,371 |
| Loan loss allowance to noncurrent loans | 115.7246% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6990% | 3,303 |
| Noncurrent loans to loans | 0.9422% | 2,772 |
| Net loans and leases to total assets | 73.3741% | 1,760 |
| Net loans and leases to deposits | 84.5655% | 2,246 |
| Net loans and leases to core deposits | 88.0069% | 2,551 |
| Total domestic deposits to total assets | 86.7661% | 2,287 |
| Equity capital to assets | 12.8582% | 1,463 |
| Core capital (leverage) ratio | 12.9173% | 1,200 |
| Tier 1 risk-based capital ratio | 17.4887% | 2,226 |
| Total risk-based capital ratio | 18.6165% | 2,220 |
| Memoranda: | ||
| Average total assets | $132,522,000 | 3,915 |
| Average earning assets | $129,755,330 | 3,762 |
| Average equity | $17,835,330 | 3,446 |
| Average total loans | $100,994,000 | 3,421 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3907% | 1,800 |
| Cost of funding earning assets | 0.5852% | 1,540 |
| Net interest margin | 3.8055% | 2,211 |
| Noninterest income to average assets | 0.0960% | 6,103 |
| Noninterest expense to average assets | 3.3039% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2632% | 5,523 |
| Return on assets (ROA) | 0.2632% | 5,616 |
| Pretax return on assets | 0.5171% | 5,134 |
| Return on Equity (ROE) | 1.9097% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.9097% | 4,711 |
| Net charge-offs to loans | 0.5328% | 470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.2556% | 2,946 |
| Efficiency ratio | 86.4668% | 1,138 |
| Assets per employee ($millions) | 5.3869% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 4,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.0005% | 1,655 |
| Net loans and leases to deposits | 84.4315% | 2,012 |
| Net loans and leases to core deposits | 89.5080% | 2,176 |
| Total domestic deposits to total assets | 86.4613% | 2,686 |
| Equity capital to assets | 13.2610% | 1,277 |
| Core capital (leverage) ratio | 13.2319% | 1,075 |
| Tier 1 risk-based capital ratio | 18.1720% | 2,090 |
| Total risk-based capital ratio | 19.3477% | 2,057 |
| Memoranda: | ||
| Average total assets | $129,181,500 | 4,005 |
| Average earning assets | $126,448,000 | 3,858 |
| Average equity | $17,803,500 | 3,478 |
| Average total loans | $99,858,500 | 3,452 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 1,293 |
| Cost of funding earning assets | 0.5362% | 2,321 |
| Net interest margin | 4.1692% | 1,391 |
| Noninterest income to average assets | 0.0918% | 6,189 |
| Noninterest expense to average assets | 3.2303% | 2,130 |
| Loan and lease loss provision to assets | 0.0165% | 4,277 |
| Net operating income to assets | 0.3432% | 5,397 |
| Return on assets (ROA) | 0.3845% | 5,341 |
| Pretax return on assets | 0.9467% | 3,709 |
| Return on Equity (ROE) | 2.7155% | 5,568 |
| Retained earnings to average equity (ytd only) | 2.7155% | 4,313 |
| Net charge-offs to loans | -0.0031% | 5,410 |
| Credit loss provision to net charge-offs | -666.6667% | 5,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2339% | 2,177 |
| Assets per employee ($millions) | 4.9476% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 3,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.0566% | 735 |
| Net loans and leases to deposits | 93.7717% | 1,096 |
| Net loans and leases to core deposits | 100.7724% | 1,338 |
| Total domestic deposits to total assets | 85.3739% | 3,134 |
| Equity capital to assets | 14.3488% | 853 |
| Core capital (leverage) ratio | 13.7268% | 892 |
| Tier 1 risk-based capital ratio | 18.0097% | 2,133 |
| Total risk-based capital ratio | 19.2606% | 2,097 |
| Memoranda: | ||
| Average total assets | $120,949,000 | 4,157 |
| Average earning assets | $117,121,600 | 4,025 |
| Average equity | $17,124,000 | 3,509 |
| Average total loans | $97,133,200 | 3,478 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 1,260 |
| Cost of funding earning assets | 0.5337% | 2,428 |
| Net interest margin | 4.1884% | 1,318 |
| Noninterest income to average assets | 0.0898% | 6,280 |
| Noninterest expense to average assets | 3.2561% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4362% | 5,123 |
| Return on assets (ROA) | 0.4845% | 5,000 |
| Pretax return on assets | 0.9545% | 3,777 |
| Return on Equity (ROE) | 3.4338% | 5,384 |
| Retained earnings to average equity (ytd only) | 3.4338% | 4,180 |
| Net charge-offs to loans | -0.0028% | 5,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7399% | 2,084 |
| Assets per employee ($millions) | 5.2245% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 3,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7975% | 3,425 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 77.6240% | 1,001 |
| Net loans and leases to deposits | 90.9917% | 1,331 |
| Net loans and leases to core deposits | 96.2368% | 1,659 |
| Total domestic deposits to total assets | 85.3089% | 3,209 |
| Equity capital to assets | 14.1280% | 959 |
| Core capital (leverage) ratio | 13.8249% | 891 |
| Tier 1 risk-based capital ratio | 17.5110% | 2,391 |
| Total risk-based capital ratio | 18.7617% | 2,355 |
| Memoranda: | ||
| Average total assets | $120,263,750 | 4,211 |
| Average earning assets | $116,160,500 | 4,084 |
| Average equity | $16,968,000 | 3,548 |
| Average total loans | $96,346,500 | 3,518 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 1,077 |
| Cost of funding earning assets | 0.5361% | 2,478 |
| Net interest margin | 4.2589% | 1,118 |
| Noninterest income to average assets | 0.0962% | 6,300 |
| Noninterest expense to average assets | 3.2795% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4588% | 4,978 |
| Return on assets (ROA) | 0.5246% | 4,805 |
| Pretax return on assets | 1.0341% | 3,344 |
| Return on Equity (ROE) | 3.7203% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.7203% | 3,829 |
| Net charge-offs to loans | -0.0021% | 5,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8846% | 2,306 |
| Assets per employee ($millions) | 4.9799% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 3,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8367% | 3,466 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 78.1690% | 890 |
| Net loans and leases to deposits | 91.9402% | 1,158 |
| Net loans and leases to core deposits | 97.9462% | 1,448 |
| Total domestic deposits to total assets | 85.0215% | 3,492 |
| Equity capital to assets | 14.4890% | 822 |
| Core capital (leverage) ratio | 13.9542% | 845 |
| Tier 1 risk-based capital ratio | 17.8780% | 2,284 |
| Total risk-based capital ratio | 19.1299% | 2,252 |
| Memoranda: | ||
| Average total assets | $118,555,330 | 4,273 |
| Average earning assets | $114,536,000 | 4,136 |
| Average equity | $16,719,000 | 3,578 |
| Average total loans | $95,605,670 | 3,548 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 722 |
| Cost of funding earning assets | 0.5537% | 2,396 |
| Net interest margin | 4.4438% | 736 |
| Noninterest income to average assets | 0.0982% | 6,341 |
| Noninterest expense to average assets | 3.2996% | 1,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5351% | 4,528 |
| Return on assets (ROA) | 0.6674% | 3,944 |
| Pretax return on assets | 1.3009% | 2,088 |
| Return on Equity (ROE) | 4.7990% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.7990% | 3,232 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0964% | 2,954 |
| Assets per employee ($millions) | 5.0649% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 3,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 3,582 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 78.5695% | 702 |
| Net loans and leases to deposits | 91.9870% | 958 |
| Net loans and leases to core deposits | 97.6455% | 1,263 |
| Total domestic deposits to total assets | 85.4137% | 3,665 |
| Equity capital to assets | 14.1682% | 867 |
| Core capital (leverage) ratio | 13.1387% | 1,110 |
| Tier 1 risk-based capital ratio | 17.6908% | 2,413 |
| Total risk-based capital ratio | 18.9432% | 2,380 |
| Memoranda: | ||
| Average total assets | $118,074,000 | 4,314 |
| Average earning assets | $114,136,500 | 4,177 |
| Average equity | $16,420,000 | 3,630 |
| Average total loans | $96,077,500 | 3,550 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 1,096 |
| Cost of funding earning assets | 0.7355% | 1,586 |
| Net interest margin | 4.1654% | 1,455 |
| Noninterest income to average assets | 0.0897% | 6,424 |
| Noninterest expense to average assets | 3.5045% | 1,639 |
| Loan and lease loss provision to assets | 0.0973% | 3,180 |
| Net operating income to assets | 1.8513% | 440 |
| Return on assets (ROA) | 1.9943% | 345 |
| Pretax return on assets | 0.6916% | 4,573 |
| Return on Equity (ROE) | 15.9329% | 627 |
| Retained earnings to average equity (ytd only) | 15.9329% | 149 |
| Net charge-offs to loans | -0.0022% | 5,855 |
| Credit loss provision to net charge-offs | -5,750.0000% | 6,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4381% | 1,583 |
| Assets per employee ($millions) | 4.9856% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 4,428 |
| Loan loss allowance to noncurrent loans | 123.5000% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8357% | 3,801 |
| Noncurrent loans to loans | 1.0061% | 3,499 |
| Net loans and leases to total assets | 82.0333% | 413 |
| Net loans and leases to deposits | 100.2164% | 472 |
| Net loans and leases to core deposits | 106.4679% | 770 |
| Total domestic deposits to total assets | 81.8562% | 4,925 |
| Equity capital to assets | 13.6517% | 1,010 |
| Core capital (leverage) ratio | 13.2369% | 1,041 |
| Tier 1 risk-based capital ratio | 16.4596% | 2,873 |
| Total risk-based capital ratio | 17.7109% | 2,834 |
| Memoranda: | ||
| Average total assets | $118,134,400 | 4,309 |
| Average earning assets | $115,163,000 | 4,155 |
| Average equity | $14,787,000 | 3,905 |
| Average total loans | $92,923,600 | 3,623 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 1,145 |
| Cost of funding earning assets | 0.7851% | 1,407 |
| Net interest margin | 4.1044% | 1,622 |
| Noninterest income to average assets | 0.0849% | 6,525 |
| Noninterest expense to average assets | 3.5350% | 1,534 |
| Loan and lease loss provision to assets | 0.0849% | 3,361 |
| Net operating income to assets | 0.4130% | 5,197 |
| Return on assets (ROA) | 0.5775% | 4,574 |
| Pretax return on assets | 0.6612% | 4,816 |
| Return on Equity (ROE) | 4.7221% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.7221% | 3,290 |
| Net charge-offs to loans | -0.0015% | 5,671 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3863% | 1,331 |
| Assets per employee ($millions) | 4.6939% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 4,602 |
| Loan loss allowance to noncurrent loans | 119.4000% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 3,907 |
| Noncurrent loans to loans | 1.0541% | 3,694 |
| Net loans and leases to total assets | 83.1562% | 285 |
| Net loans and leases to deposits | 95.7892% | 707 |
| Net loans and leases to core deposits | 103.5116% | 904 |
| Total domestic deposits to total assets | 86.8117% | 2,793 |
| Equity capital to assets | 12.8856% | 1,381 |
| Core capital (leverage) ratio | 12.9067% | 1,238 |
| Tier 1 risk-based capital ratio | 16.8967% | 2,752 |
| Total risk-based capital ratio | 18.1482% | 2,714 |
| Memoranda: | ||
| Average total assets | $117,754,250 | 4,365 |
| Average earning assets | $114,964,500 | 4,205 |
| Average equity | $14,400,000 | 4,037 |
| Average total loans | $91,306,500 | 3,684 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 1,235 |
| Cost of funding earning assets | 0.8226% | 1,295 |
| Net interest margin | 4.0182% | 1,798 |
| Noninterest income to average assets | 0.0887% | 6,561 |
| Noninterest expense to average assets | 3.5059% | 1,592 |
| Loan and lease loss provision to assets | 0.1005% | 3,115 |
| Net operating income to assets | 0.3377% | 5,454 |
| Return on assets (ROA) | 0.5810% | 4,572 |
| Pretax return on assets | 0.6714% | 4,775 |
| Return on Equity (ROE) | 4.8324% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.8324% | 3,159 |
| Net charge-offs to loans | -0.0022% | 5,537 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6884% | 1,252 |
| Assets per employee ($millions) | 4.4148% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 4,723 |
| Loan loss allowance to noncurrent loans | 117.9000% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 4,061 |
| Noncurrent loans to loans | 1.0636% | 3,799 |
| Net loans and leases to total assets | 80.8809% | 452 |
| Net loans and leases to deposits | 92.6445% | 911 |
| Net loans and leases to core deposits | 102.0893% | 933 |
| Total domestic deposits to total assets | 87.3025% | 2,657 |
| Equity capital to assets | 12.4588% | 1,603 |
| Core capital (leverage) ratio | 12.3216% | 1,446 |
| Tier 1 risk-based capital ratio | 16.9668% | 2,730 |
| Total risk-based capital ratio | 18.2189% | 2,698 |
| Memoranda: | ||
| Average total assets | $119,454,670 | 4,363 |
| Average earning assets | $116,221,670 | 4,196 |
| Average equity | $14,361,330 | 4,076 |
| Average total loans | $90,118,000 | 3,722 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 1,598 |
| Cost of funding earning assets | 0.8425% | 1,290 |
| Net interest margin | 3.8352% | 2,331 |
| Noninterest income to average assets | 0.0854% | 6,632 |
| Noninterest expense to average assets | 3.4157% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3176% | 5,504 |
| Return on assets (ROA) | 0.5912% | 4,410 |
| Pretax return on assets | 0.6996% | 4,584 |
| Return on Equity (ROE) | 5.0030% | 4,568 |
| Retained earnings to average equity (ytd only) | 5.0030% | 3,229 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0433% | 1,144 |
| Assets per employee ($millions) | 4.9524% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 4,894 |
| Loan loss allowance to noncurrent loans | 55.5666% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.6928% | 2,749 |
| Noncurrent loans to loans | 2.2687% | 2,309 |
| Net loans and leases to total assets | 73.6736% | 1,124 |
| Net loans and leases to deposits | 84.1359% | 1,578 |
| Net loans and leases to core deposits | 91.3260% | 1,573 |
| Total domestic deposits to total assets | 87.5650% | 2,593 |
| Equity capital to assets | 12.1439% | 1,943 |
| Core capital (leverage) ratio | 11.6957% | 1,752 |
| Tier 1 risk-based capital ratio | 18.0514% | 2,340 |
| Total risk-based capital ratio | 19.3034% | 2,302 |
| Memoranda: | ||
| Average total assets | $121,789,000 | 4,347 |
| Average earning assets | $117,750,500 | 4,202 |
| Average equity | $14,391,500 | 4,118 |
| Average total loans | $88,167,500 | 3,784 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 2,607 |
| Cost of funding earning assets | 1.0838% | 965 |
| Net interest margin | 3.6137% | 4,030 |
| Noninterest income to average assets | 0.0507% | 6,687 |
| Noninterest expense to average assets | 3.3918% | 2,068 |
| Loan and lease loss provision to assets | 0.0409% | 5,352 |
| Net operating income to assets | 0.1250% | 5,959 |
| Return on assets (ROA) | 0.4968% | 4,955 |
| Pretax return on assets | 0.5736% | 5,069 |
| Return on Equity (ROE) | 4.3047% | 5,021 |
| Retained earnings to average equity (ytd only) | 4.3047% | 3,196 |
| Net charge-offs to loans | -0.0025% | 6,339 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7717% | 766 |
| Assets per employee ($millions) | 4.9888% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 4,756 |
| Loan loss allowance to noncurrent loans | 55.2099% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.6236% | 2,965 |
| Noncurrent loans to loans | 2.3103% | 2,341 |
| Net loans and leases to total assets | 69.3810% | 1,961 |
| Net loans and leases to deposits | 86.5303% | 1,439 |
| Net loans and leases to core deposits | 93.9758% | 1,470 |
| Total domestic deposits to total assets | 80.1812% | 5,609 |
| Equity capital to assets | 11.5050% | 2,437 |
| Core capital (leverage) ratio | 11.5551% | 1,839 |
| Tier 1 risk-based capital ratio | 16.9771% | 2,665 |
| Total risk-based capital ratio | 18.2280% | 2,629 |
| Memoranda: | ||
| Average total assets | $122,384,600 | 4,304 |
| Average earning assets | $119,491,000 | 4,118 |
| Average equity | $14,124,000 | 4,133 |
| Average total loans | $79,064,400 | 4,067 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 2,872 |
| Cost of funding earning assets | 1.1376% | 913 |
| Net interest margin | 3.5453% | 4,459 |
| Noninterest income to average assets | 0.0350% | 6,851 |
| Noninterest expense to average assets | 3.3102% | 2,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1913% | 5,943 |
| Return on assets (ROA) | 0.4948% | 5,132 |
| Pretax return on assets | 0.5484% | 5,308 |
| Return on Equity (ROE) | 4.2839% | 5,159 |
| Retained earnings to average equity (ytd only) | 4.2839% | 3,879 |
| Net charge-offs to loans | -0.0017% | 6,199 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0006% | 774 |
| Assets per employee ($millions) | 4.8090% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 4,680 |
| Loan loss allowance to noncurrent loans | 106.7000% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 4,626 |
| Noncurrent loans to loans | 1.2455% | 3,971 |
| Net loans and leases to total assets | 65.8964% | 2,670 |
| Net loans and leases to deposits | 76.1520% | 2,957 |
| Net loans and leases to core deposits | 82.9085% | 2,842 |
| Total domestic deposits to total assets | 86.5328% | 2,964 |
| Equity capital to assets | 12.0616% | 2,204 |
| Core capital (leverage) ratio | 11.3694% | 2,077 |
| Tier 1 risk-based capital ratio | 19.3223% | 1,918 |
| Total risk-based capital ratio | 20.5751% | 1,889 |
| Memoranda: | ||
| Average total assets | $121,800,750 | 4,357 |
| Average earning assets | $119,781,000 | 4,156 |
| Average equity | $14,067,750 | 4,183 |
| Average total loans | $76,918,000 | 4,167 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 3,067 |
| Cost of funding earning assets | 1.1724% | 931 |
| Net interest margin | 3.4940% | 4,693 |
| Noninterest income to average assets | 0.0311% | 6,917 |
| Noninterest expense to average assets | 3.2618% | 2,410 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1909% | 5,942 |
| Return on assets (ROA) | 0.5543% | 4,842 |
| Pretax return on assets | 0.5951% | 5,155 |
| Return on Equity (ROE) | 4.8695% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.8695% | 3,356 |
| Net charge-offs to loans | -0.0026% | 6,106 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1038% | 799 |
| Assets per employee ($millions) | 4.6053% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,683 |
| Loan loss allowance to noncurrent loans | 106.7000% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 4,794 |
| Noncurrent loans to loans | 1.2611% | 4,027 |
| Net loans and leases to total assets | 62.9142% | 3,249 |
| Net loans and leases to deposits | 71.1680% | 3,743 |
| Net loans and leases to core deposits | 77.4953% | 3,591 |
| Total domestic deposits to total assets | 88.4023% | 1,884 |
| Equity capital to assets | 11.3942% | 2,695 |
| Core capital (leverage) ratio | 11.1092% | 2,197 |
| Tier 1 risk-based capital ratio | 19.6979% | 1,786 |
| Total risk-based capital ratio | 20.9510% | 1,754 |
| Memoranda: | ||
| Average total assets | $122,326,000 | 4,365 |
| Average earning assets | $120,264,330 | 4,166 |
| Average equity | $13,923,330 | 4,210 |
| Average total loans | $75,793,670 | 4,231 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 2,557 |
| Cost of funding earning assets | 1.2150% | 920 |
| Net interest margin | 3.6047% | 4,248 |
| Noninterest income to average assets | 0.0264% | 7,032 |
| Noninterest expense to average assets | 3.2675% | 2,390 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3000% | 5,655 |
| Return on assets (ROA) | 0.5275% | 4,910 |
| Pretax return on assets | 0.5275% | 5,342 |
| Return on Equity (ROE) | 4.6373% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.6373% | 3,791 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5896% | 970 |
| Assets per employee ($millions) | 4.9384% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 4,481 |
| Loan loss allowance to noncurrent loans | 134.4262% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 5,285 |
| Noncurrent loans to loans | 1.0619% | 4,579 |
| Net loans and leases to total assets | 59.6230% | 3,750 |
| Net loans and leases to deposits | 69.0085% | 3,873 |
| Net loans and leases to core deposits | 74.8762% | 3,766 |
| Total domestic deposits to total assets | 86.3995% | 3,306 |
| Equity capital to assets | 11.2280% | 2,695 |
| Core capital (leverage) ratio | 11.0193% | 2,244 |
| Tier 1 risk-based capital ratio | 20.5702% | 1,574 |
| Total risk-based capital ratio | 21.8395% | 1,546 |
| Memoranda: | ||
| Average total assets | $121,317,000 | 4,422 |
| Average earning assets | $119,177,000 | 4,222 |
| Average equity | $13,801,000 | 4,236 |
| Average total loans | $74,042,000 | 4,316 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 2,587 |
| Cost of funding earning assets | 1.3309% | 1,339 |
| Net interest margin | 3.7329% | 4,144 |
| Noninterest income to average assets | 0.0242% | 6,926 |
| Noninterest expense to average assets | 3.5727% | 1,796 |
| Loan and lease loss provision to assets | 0.0084% | 6,430 |
| Net operating income to assets | 0.1045% | 5,857 |
| Return on assets (ROA) | 0.4914% | 4,671 |
| Pretax return on assets | 0.4914% | 5,019 |
| Return on Equity (ROE) | 4.6395% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.6395% | 2,889 |
| Net charge-offs to loans | 0.0574% | 5,735 |
| Credit loss provision to net charge-offs | 22.7273% | 5,884 |
| Earnings coverage of net charge-offs (x) | 3.0682% | 3,672 |
| Efficiency ratio | 96.9388% | 772 |
| Assets per employee ($millions) | 4.7670% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 4,223 |
| Loan loss allowance to noncurrent loans | 133.2500% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 5,308 |
| Noncurrent loans to loans | 1.0898% | 4,532 |
| Net loans and leases to total assets | 60.7023% | 3,846 |
| Net loans and leases to deposits | 68.8119% | 4,309 |
| Net loans and leases to core deposits | 72.1782% | 4,499 |
| Total domestic deposits to total assets | 88.2148% | 2,019 |
| Equity capital to assets | 11.5293% | 2,476 |
| Core capital (leverage) ratio | 11.2047% | 2,112 |
| Tier 1 risk-based capital ratio | 21.2940% | 1,362 |
| Total risk-based capital ratio | 22.5646% | 1,328 |
| Memoranda: | ||
| Average total assets | $119,658,600 | 4,410 |
| Average earning assets | $117,361,200 | 4,201 |
| Average equity | $12,673,800 | 4,402 |
| Average total loans | $76,633,600 | 4,247 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 2,652 |
| Cost of funding earning assets | 1.3532% | 1,440 |
| Net interest margin | 3.7362% | 4,183 |
| Noninterest income to average assets | 0.0256% | 7,031 |
| Noninterest expense to average assets | 3.6110% | 1,687 |
| Loan and lease loss provision to assets | 0.0111% | 6,291 |
| Net operating income to assets | 0.0668% | 6,029 |
| Return on assets (ROA) | 0.5532% | 4,486 |
| Pretax return on assets | 0.5532% | 4,963 |
| Return on Equity (ROE) | 5.3408% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.3408% | 2,958 |
| Net charge-offs to loans | 0.0775% | 5,196 |
| Credit loss provision to net charge-offs | 22.2222% | 5,529 |
| Earnings coverage of net charge-offs (x) | 1.5555% | 4,471 |
| Efficiency ratio | 97.8877% | 743 |
| Assets per employee ($millions) | 4.8744% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4260% | 4,435 |
| Loan loss allowance to noncurrent loans | 129.4046% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7035% | 5,387 |
| Noncurrent loans to loans | 1.1020% | 4,716 |
| Net loans and leases to total assets | 62.9294% | 3,524 |
| Net loans and leases to deposits | 71.3256% | 4,092 |
| Net loans and leases to core deposits | 74.1848% | 4,424 |
| Total domestic deposits to total assets | 88.2284% | 1,907 |
| Equity capital to assets | 11.5220% | 2,660 |
| Core capital (leverage) ratio | 11.0364% | 2,359 |
| Tier 1 risk-based capital ratio | 21.0961% | 1,435 |
| Total risk-based capital ratio | 22.3668% | 1,411 |
| Memoranda: | ||
| Average total assets | $119,779,500 | 4,432 |
| Average earning assets | $117,443,000 | 4,213 |
| Average equity | $12,407,250 | 4,470 |
| Average total loans | $77,440,000 | 4,265 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1487% | 2,471 |
| Cost of funding earning assets | 1.3764% | 1,520 |
| Net interest margin | 3.7723% | 3,926 |
| Noninterest income to average assets | 0.0215% | 7,144 |
| Noninterest expense to average assets | 3.5672% | 1,820 |
| Loan and lease loss provision to assets | 0.0166% | 6,077 |
| Net operating income to assets | 0.1342% | 5,921 |
| Return on assets (ROA) | 0.3347% | 5,369 |
| Pretax return on assets | 0.3347% | 5,583 |
| Return on Equity (ROE) | 3.3527% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.3527% | 4,127 |
| Net charge-offs to loans | 0.1149% | 4,555 |
| Credit loss provision to net charge-offs | 22.2222% | 5,103 |
| Earnings coverage of net charge-offs (x) | 2.0222% | 3,851 |
| Efficiency ratio | 95.9447% | 881 |
| Assets per employee ($millions) | 5.0378% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,526 |
| Loan loss allowance to noncurrent loans | 129.4046% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 5,543 |
| Noncurrent loans to loans | 1.0888% | 4,849 |
| Net loans and leases to total assets | 61.6375% | 3,962 |
| Net loans and leases to deposits | 68.7561% | 4,594 |
| Net loans and leases to core deposits | 71.2337% | 4,924 |
| Total domestic deposits to total assets | 89.6466% | 1,160 |
| Equity capital to assets | 10.1624% | 3,930 |
| Core capital (leverage) ratio | 10.6745% | 2,543 |
| Tier 1 risk-based capital ratio | 21.3802% | 1,349 |
| Total risk-based capital ratio | 22.6526% | 1,326 |
| Memoranda: | ||
| Average total assets | $120,711,000 | 4,430 |
| Average earning assets | $118,282,000 | 4,224 |
| Average equity | $12,050,000 | 4,548 |
| Average total loans | $78,359,000 | 4,276 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2007% | 2,217 |
| Cost of funding earning assets | 1.3925% | 1,648 |
| Net interest margin | 3.8082% | 3,581 |
| Noninterest income to average assets | 0.0232% | 7,230 |
| Noninterest expense to average assets | 3.5286% | 1,933 |
| Loan and lease loss provision to assets | 0.0332% | 5,558 |
| Net operating income to assets | 0.1890% | 5,818 |
| Return on assets (ROA) | 0.1890% | 5,877 |
| Pretax return on assets | 0.1890% | 5,965 |
| Return on Equity (ROE) | 1.9109% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.9109% | 4,977 |
| Net charge-offs to loans | 0.2257% | 3,187 |
| Credit loss provision to net charge-offs | 22.2222% | 4,233 |
| Earnings coverage of net charge-offs (x) | 1.4889% | 3,592 |
| Efficiency ratio | 94.0760% | 1,033 |
| Assets per employee ($millions) | 4.7393% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 4,969 |
| 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 | 66.4447% | 2,892 |
| Net loans and leases to deposits | 73.9674% | 3,761 |
| Net loans and leases to core deposits | 76.3942% | 4,254 |
| Total domestic deposits to total assets | 89.8297% | 1,257 |
| Equity capital to assets | 9.9973% | 3,776 |
| Core capital (leverage) ratio | 10.4773% | 2,635 |
| Tier 1 risk-based capital ratio | 21.2250% | 1,359 |
| Total risk-based capital ratio | 22.4967% | 1,325 |
| Memoranda: | ||
| Average total assets | $120,613,000 | 4,462 |
| Average earning assets | $118,062,000 | 4,254 |
| Average equity | $11,931,500 | 4,566 |
| Average total loans | $79,744,000 | 4,260 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0319% | 4,403 |
| Cost of funding earning assets | 1.7807% | 1,253 |
| Net interest margin | 3.2512% | 6,129 |
| Noninterest income to average assets | 0.0263% | 7,203 |
| Noninterest expense to average assets | 3.1425% | 3,302 |
| Loan and lease loss provision to assets | 0.4020% | 3,704 |
| Net operating income to assets | -0.3908% | 6,303 |
| Return on assets (ROA) | 0.1130% | 5,700 |
| Pretax return on assets | 0.1130% | 5,677 |
| Return on Equity (ROE) | 1.1261% | 5,661 |
| Retained earnings to average equity (ytd only) | 1.1261% | 4,982 |
| Net charge-offs to loans | 0.5698% | 3,343 |
| Credit loss provision to net charge-offs | 108.6022% | 4,070 |
| Earnings coverage of net charge-offs (x) | 0.0301% | 6,092 |
| Efficiency ratio | 99.6466% | 785 |
| Assets per employee ($millions) | 5.1143% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,612 |
| 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 | 64.0341% | 3,869 |
| Net loans and leases to deposits | 71.1552% | 4,657 |
| Net loans and leases to core deposits | 73.7352% | 5,011 |
| Total domestic deposits to total assets | 89.9922% | 1,106 |
| Equity capital to assets | 9.7911% | 4,011 |
| Core capital (leverage) ratio | 10.4231% | 2,641 |
| Tier 1 risk-based capital ratio | 21.2807% | 1,279 |
| Total risk-based capital ratio | 22.5255% | 1,254 |
| Memoranda: | ||
| Average total assets | $125,633,200 | 4,358 |
| Average earning assets | $120,849,200 | 4,210 |
| Average equity | $12,609,400 | 4,459 |
| Average total loans | $81,606,000 | 4,293 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 4,786 |
| Cost of funding earning assets | 1.8781% | 1,096 |
| Net interest margin | 3.1283% | 6,544 |
| Noninterest income to average assets | 0.0285% | 7,370 |
| Noninterest expense to average assets | 3.0347% | 3,626 |
| Loan and lease loss provision to assets | 0.5276% | 2,822 |
| Net operating income to assets | -0.5371% | 6,619 |
| Return on assets (ROA) | -0.0644% | 6,237 |
| Pretax return on assets | -0.0644% | 6,180 |
| Return on Equity (ROE) | -0.6375% | 6,241 |
| Retained earnings to average equity (ytd only) | -0.6375% | 5,950 |
| Net charge-offs to loans | 0.7472% | 2,555 |
| Credit loss provision to net charge-offs | 108.6957% | 3,915 |
| Earnings coverage of net charge-offs (x) | -0.0196% | 6,048 |
| Efficiency ratio | 100.3139% | 732 |
| Assets per employee ($millions) | 4.8944% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 4,811 |
| Loan loss allowance to noncurrent loans | 124.1535% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 5,663 |
| Noncurrent loans to loans | 1.0692% | 5,099 |
| Net loans and leases to total assets | 66.8233% | 3,506 |
| Net loans and leases to deposits | 74.7518% | 4,389 |
| Net loans and leases to core deposits | 78.5062% | 4,740 |
| Total domestic deposits to total assets | 89.3936% | 1,178 |
| Equity capital to assets | 10.4111% | 3,624 |
| Core capital (leverage) ratio | 10.0418% | 3,212 |
| Tier 1 risk-based capital ratio | 20.3838% | 1,465 |
| Total risk-based capital ratio | 21.6244% | 1,448 |
| Memoranda: | ||
| Average total assets | $126,355,500 | 4,406 |
| Average earning assets | $121,041,750 | 4,263 |
| Average equity | $12,757,250 | 4,485 |
| Average total loans | $82,083,000 | 4,345 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9557% | 5,155 |
| Cost of funding earning assets | 1.9774% | 960 |
| Net interest margin | 2.9783% | 6,876 |
| Noninterest income to average assets | 0.0266% | 7,444 |
| Noninterest expense to average assets | 2.9792% | 3,787 |
| Loan and lease loss provision to assets | 0.0861% | 6,063 |
| Net operating income to assets | -0.1911% | 6,347 |
| Return on assets (ROA) | -0.1316% | 6,342 |
| Pretax return on assets | -0.1316% | 6,278 |
| Return on Equity (ROE) | -1.3163% | 6,354 |
| Retained earnings to average equity (ytd only) | -1.3163% | 6,029 |
| Net charge-offs to loans | 0.3764% | 3,480 |
| Credit loss provision to net charge-offs | 35.7143% | 5,662 |
| Earnings coverage of net charge-offs (x) | -0.4351% | 5,998 |
| Efficiency ratio | 103.6512% | 693 |
| Assets per employee ($millions) | 5.1432% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 5,896 |
| Loan loss allowance to noncurrent loans | 31.6639% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 2.3604% | 3,064 |
| Noncurrent loans to loans | 3.5079% | 2,255 |
| Net loans and leases to total assets | 66.5394% | 3,730 |
| Net loans and leases to deposits | 74.2856% | 4,634 |
| Net loans and leases to core deposits | 78.7194% | 4,845 |
| Total domestic deposits to total assets | 89.5723% | 1,140 |
| Equity capital to assets | 10.2224% | 3,742 |
| Core capital (leverage) ratio | 9.5987% | 3,677 |
| Tier 1 risk-based capital ratio | 19.6678% | 1,568 |
| Total risk-based capital ratio | 20.9364% | 1,543 |
| Memoranda: | ||
| Average total assets | $127,687,330 | 4,411 |
| Average earning assets | $122,082,330 | 4,269 |
| Average equity | $12,763,330 | 4,493 |
| Average total loans | $81,822,330 | 4,391 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3732% | 3,175 |
| Cost of funding earning assets | 2.0453% | 955 |
| Net interest margin | 3.3278% | 5,869 |
| Noninterest income to average assets | 0.0220% | 7,592 |
| Noninterest expense to average assets | 3.0902% | 3,311 |
| Loan and lease loss provision to assets | 0.1729% | 4,791 |
| Net operating income to assets | -0.1006% | 6,432 |
| Return on assets (ROA) | 0.0189% | 6,352 |
| Pretax return on assets | 0.0189% | 6,318 |
| Return on Equity (ROE) | 0.1909% | 6,347 |
| Retained earnings to average equity (ytd only) | 0.1909% | 5,742 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7137% | 937 |
| Assets per employee ($millions) | 5.0157% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 4,579 |
| Loan loss allowance to noncurrent loans | 34.8983% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 2.5480% | 2,850 |
| Noncurrent loans to loans | 3.9248% | 2,016 |
| Net loans and leases to total assets | 64.0307% | 4,321 |
| Net loans and leases to deposits | 71.6082% | 5,108 |
| Net loans and leases to core deposits | 75.6874% | 5,300 |
| Total domestic deposits to total assets | 89.4181% | 1,286 |
| Equity capital to assets | 10.1274% | 3,707 |
| Core capital (leverage) ratio | 9.9619% | 3,212 |
| Tier 1 risk-based capital ratio | 21.2484% | 1,301 |
| Total risk-based capital ratio | 22.5224% | 1,273 |
| Memoranda: | ||
| Average total assets | $127,240,500 | 4,474 |
| Average earning assets | $120,078,500 | 4,371 |
| Average equity | $12,573,000 | 4,568 |
| Average total loans | $79,474,500 | 4,530 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 5,015 |
| Cost of funding earning assets | 2.7894% | 460 |
| Net interest margin | 2.5437% | 7,377 |
| Noninterest income to average assets | 0.0227% | 7,614 |
| Noninterest expense to average assets | 3.8227% | 1,656 |
| Loan and lease loss provision to assets | 0.6448% | 3,227 |
| Net operating income to assets | -2.0189% | 7,101 |
| Return on assets (ROA) | -1.3868% | 6,813 |
| Pretax return on assets | -1.3868% | 6,642 |
| Return on Equity (ROE) | -14.9410% | 6,933 |
| Retained earnings to average equity (ytd only) | -14.9410% | 6,884 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.1202% | 275 |
| Assets per employee ($millions) | 5.1635% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,402 |
| Loan loss allowance to noncurrent loans | 33.1250% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 2.4789% | 2,813 |
| Noncurrent loans to loans | 4.1267% | 1,780 |
| Net loans and leases to total assets | 59.2495% | 5,458 |
| Net loans and leases to deposits | 65.9243% | 6,057 |
| Net loans and leases to core deposits | 89.7278% | 5,160 |
| Total domestic deposits to total assets | 89.8751% | 1,027 |
| Equity capital to assets | 9.6423% | 4,222 |
| Core capital (leverage) ratio | 9.9653% | 3,127 |
| Tier 1 risk-based capital ratio | 21.0812% | 1,276 |
| Total risk-based capital ratio | 22.3376% | 1,249 |
| Memoranda: | ||
| Average total assets | $110,106,800 | 4,818 |
| Average earning assets | $105,005,600 | 4,703 |
| Average equity | $10,220,200 | 5,234 |
| Average total loans | $67,396,800 | 4,966 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 5,601 |
| Cost of funding earning assets | 2.9463% | 389 |
| Net interest margin | 2.3181% | 7,629 |
| Noninterest income to average assets | 0.0228% | 7,757 |
| Noninterest expense to average assets | 4.0153% | 1,257 |
| Loan and lease loss provision to assets | 0.1961% | 5,425 |
| Net operating income to assets | -1.9754% | 7,307 |
| Return on assets (ROA) | -1.2022% | 6,966 |
| Pretax return on assets | -1.2022% | 6,816 |
| Return on Equity (ROE) | -13.1075% | 7,081 |
| Retained earnings to average equity (ytd only) | -13.1075% | 7,014 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.5699% | 203 |
| Assets per employee ($millions) | 4.9279% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 7,331 |
| Loan loss allowance to noncurrent loans | 17.7069% | 7,208 |
| Noncurrent assets plus other real estate owned to assets | 2.3150% | 2,962 |
| Noncurrent loans to loans | 4.0448% | 1,812 |
| Net loans and leases to total assets | 56.8232% | 6,052 |
| Net loans and leases to deposits | 65.2849% | 6,373 |
| Net loans and leases to core deposits | 88.1031% | 5,635 |
| Total domestic deposits to total assets | 87.0388% | 2,167 |
| Equity capital to assets | 10.7210% | 3,272 |
| Core capital (leverage) ratio | 12.3827% | 1,626 |
| Tier 1 risk-based capital ratio | 20.1346% | 1,532 |
| Total risk-based capital ratio | 20.9069% | 1,586 |
| Memoranda: | ||
| Average total assets | $105,361,500 | 4,979 |
| Average earning assets | $100,598,000 | 4,847 |
| Average equity | $9,663,500 | 5,442 |
| Average total loans | $64,860,000 | 5,112 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 5,252 |
| Cost of funding earning assets | 3.1791% | 283 |
| Net interest margin | 2.2001% | 7,750 |
| Noninterest income to average assets | 0.0201% | 7,866 |
| Noninterest expense to average assets | 4.2770% | 979 |
| Loan and lease loss provision to assets | 0.1650% | 5,413 |
| Net operating income to assets | -2.3195% | 7,520 |
| Return on assets (ROA) | -1.1065% | 7,055 |
| Pretax return on assets | -1.1065% | 6,885 |
| Return on Equity (ROE) | -12.9686% | 7,226 |
| Retained earnings to average equity (ytd only) | -12.9686% | 7,111 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.5166% | 195 |
| Assets per employee ($millions) | 4.1935% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6601% | 7,520 |
| Loan loss allowance to noncurrent loans | 18.7013% | 7,201 |
| Noncurrent assets plus other real estate owned to assets | 2.2952% | 2,840 |
| Noncurrent loans to loans | 3.5295% | 1,985 |
| Net loans and leases to total assets | 64.5993% | 4,858 |
| Net loans and leases to deposits | 71.1273% | 5,854 |
| Net loans and leases to core deposits | 91.0588% | 5,441 |
| Total domestic deposits to total assets | 90.8222% | 515 |
| Equity capital to assets | 8.5936% | 5,907 |
| Core capital (leverage) ratio | 8.6056% | 5,256 |
| Tier 1 risk-based capital ratio | 19.4651% | 1,685 |
| Total risk-based capital ratio | 20.4145% | 1,700 |
| Memoranda: | ||
| Average total assets | $99,416,000 | 5,181 |
| Average earning assets | $94,996,000 | 5,042 |
| Average equity | $8,482,000 | 5,848 |
| Average total loans | $62,976,670 | 5,210 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5174% | 4,820 |
| Cost of funding earning assets | 3.3221% | 254 |
| Net interest margin | 2.1953% | 7,801 |
| Noninterest income to average assets | 0.0202% | 7,975 |
| Noninterest expense to average assets | 3.3481% | 2,503 |
| Loan and lease loss provision to assets | 0.1700% | 4,768 |
| Net operating income to assets | -1.3684% | 7,447 |
| Return on assets (ROA) | 0.7571% | 3,492 |
| Pretax return on assets | 0.7571% | 4,227 |
| Return on Equity (ROE) | 8.9064% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.9064% | 1,512 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.7439% | 327 |
| Assets per employee ($millions) | 4.0732% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6261% | 7,616 |
| Loan loss allowance to noncurrent loans | 16.9404% | 7,316 |
| Noncurrent assets plus other real estate owned to assets | 2.2724% | 2,524 |
| Noncurrent loans to loans | 3.6961% | 1,693 |
| Net loans and leases to total assets | 61.0969% | 5,488 |
| Net loans and leases to deposits | 69.6829% | 6,010 |
| Net loans and leases to core deposits | 87.7454% | 5,764 |
| Total domestic deposits to total assets | 87.6785% | 1,893 |
| Equity capital to assets | 8.1901% | 6,550 |
| Core capital (leverage) ratio | 8.0154% | 6,420 |
| Tier 1 risk-based capital ratio | 19.9976% | 1,624 |
| Total risk-based capital ratio | 20.9344% | 1,629 |
| Memoranda: | ||
| Average total assets | $98,801,500 | 5,211 |
| Average earning assets | $95,843,000 | 5,029 |
| Average equity | $8,398,500 | 5,921 |
| Average total loans | $61,741,000 | 5,297 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 7,362 |
| Cost of funding earning assets | 3.1838% | 1,244 |
| Net interest margin | 2.2876% | 7,917 |
| Noninterest income to average assets | 0.0958% | 7,654 |
| Noninterest expense to average assets | 5.3786% | 533 |
| Loan and lease loss provision to assets | 0.4881% | 2,864 |
| Net operating income to assets | -3.6022% | 7,927 |
| Return on assets (ROA) | -3.5281% | 7,898 |
| Pretax return on assets | -3.5281% | 7,811 |
| Return on Equity (ROE) | -29.7807% | 7,955 |
| Retained earnings to average equity (ytd only) | -29.7807% | 7,906 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.5171% | 154 |
| Assets per employee ($millions) | 3.6836% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5749% | 7,719 |
| Loan loss allowance to noncurrent loans | 31.0284% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1778% | 3,901 |
| Noncurrent loans to loans | 1.8530% | 2,980 |
| Net loans and leases to total assets | 63.1963% | 5,421 |
| Net loans and leases to deposits | 72.8462% | 5,964 |
| Net loans and leases to core deposits | 90.7707% | 5,738 |
| Total domestic deposits to total assets | 86.7531% | 2,064 |
| Equity capital to assets | 8.8303% | 5,604 |
| Core capital (leverage) ratio | 8.9704% | 4,781 |
| Tier 1 risk-based capital ratio | 19.1607% | 1,779 |
| Total risk-based capital ratio | 19.9995% | 1,811 |
| Memoranda: | ||
| Average total assets | $64,737,600 | 6,202 |
| Average earning assets | $61,373,400 | 6,117 |
| Average equity | $7,669,400 | 6,222 |
| Average total loans | $41,980,800 | 6,076 |