Home > Pacific Alliance Bank > Performance and Condition Ratios
Pacific Alliance 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 | 6.1612% | 524 |
| Cost of funding earning assets | 2.9050% | 172 |
| Net interest margin | 3.2562% | 2,742 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 1.8276% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9005% | 2,545 |
| Return on assets (ROA) | 0.9005% | 2,517 |
| Pretax return on assets | 1.2830% | 1,916 |
| Return on Equity (ROE) | 7.1200% | 3,250 |
| Retained earnings to average equity (ytd only) | 6.4793% | 2,068 |
| Net charge-offs to loans | 0.0456% | 1,430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 37.0221% | 1,496 |
| Efficiency ratio | 58.7532% | 3,210 |
| Assets per employee ($millions) | 12.7135% | 349 |
| Cash dividends to net income (ytd only)* | 8.9700% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,295 |
| Loan loss allowance to noncurrent loans | 1,253.7092% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 2,966 |
| Noncurrent loans to loans | 0.1136% | 2,960 |
| Net loans and leases to total assets | 74.1800% | 1,333 |
| Net loans and leases to deposits | 97.2307% | 699 |
| Net loans and leases to core deposits | 208.5886% | 71 |
| Total domestic deposits to total assets | 76.2900% | 3,920 |
| Equity capital to assets | 13.1790% | 827 |
| Core capital (leverage) ratio | 14.1896% | 763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $392,436,800 | 2,037 |
| Average earning assets | $373,014,400 | 2,002 |
| Average equity | $49,650,400 | 1,619 |
| Average total loans | $298,509,600 | 1,796 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1317% | 451 |
| Cost of funding earning assets | 2.7984% | 160 |
| Net interest margin | 3.3333% | 2,614 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 1.8842% | 3,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9108% | 2,642 |
| Return on assets (ROA) | 0.9108% | 2,629 |
| Pretax return on assets | 1.2975% | 2,051 |
| Return on Equity (ROE) | 7.2800% | 3,352 |
| Retained earnings to average equity (ytd only) | 6.4142% | 2,492 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.2197% | 3,058 |
| Assets per employee ($millions) | 10.9997% | 500 |
| Cash dividends to net income (ytd only)* | 11.8372% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 1,073 |
| Loan loss allowance to noncurrent loans | 918.1053% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 2,742 |
| Noncurrent loans to loans | 0.1648% | 2,721 |
| Net loans and leases to total assets | 73.7300% | 1,371 |
| Net loans and leases to deposits | 94.1228% | 887 |
| Net loans and leases to core deposits | 190.8573% | 51 |
| Total domestic deposits to total assets | 78.3400% | 3,776 |
| Equity capital to assets | 13.0599% | 802 |
| Core capital (leverage) ratio | 13.7477% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $392,016,500 | 2,036 |
| Average earning assets | $372,394,250 | 1,998 |
| Average equity | $49,077,750 | 1,622 |
| Average total loans | $298,990,250 | 1,797 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0579% | 415 |
| Cost of funding earning assets | 2.6412% | 144 |
| Net interest margin | 3.4167% | 2,480 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 1.8678% | 3,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9747% | 2,507 |
| Return on assets (ROA) | 0.9747% | 2,496 |
| Pretax return on assets | 1.3896% | 1,839 |
| Return on Equity (ROE) | 7.9000% | 3,259 |
| Retained earnings to average equity (ytd only) | 6.5944% | 2,422 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.3408% | 3,271 |
| Assets per employee ($millions) | 10.8521% | 529 |
| Cash dividends to net income (ytd only)* | 16.4932% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,111 |
| Loan loss allowance to noncurrent loans | 914.2558% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 2,687 |
| Noncurrent loans to loans | 0.1666% | 2,644 |
| Net loans and leases to total assets | 72.1800% | 1,509 |
| Net loans and leases to deposits | 91.1046% | 1,101 |
| Net loans and leases to core deposits | 200.0844% | 43 |
| Total domestic deposits to total assets | 79.2300% | 3,689 |
| Equity capital to assets | 12.6691% | 895 |
| Core capital (leverage) ratio | 13.0763% | 1,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $394,359,000 | 2,025 |
| Average earning assets | $374,451,667 | 1,995 |
| Average equity | $48,677,333 | 1,630 |
| Average total loans | $302,578,667 | 1,771 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8697% | 375 |
| Cost of funding earning assets | 2.3839% | 122 |
| Net interest margin | 3.4858% | 2,406 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 1.8173% | 4,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0601% | 2,349 |
| Return on assets (ROA) | 1.0601% | 2,319 |
| Pretax return on assets | 1.5003% | 1,671 |
| Return on Equity (ROE) | 8.7000% | 3,133 |
| Retained earnings to average equity (ytd only) | 6.0744% | 2,741 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.7778% | 3,525 |
| Assets per employee ($millions) | 10.8544% | 535 |
| Cash dividends to net income (ytd only)* | 30.1905% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,705 |
| Loan loss allowance to noncurrent loans | 1,129.7927% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 2,858 |
| Noncurrent loans to loans | 0.1220% | 2,904 |
| Net loans and leases to total assets | 77.6800% | 801 |
| Net loans and leases to deposits | 96.5610% | 622 |
| Net loans and leases to core deposits | 198.4232% | 35 |
| Total domestic deposits to total assets | 80.4400% | 3,712 |
| Equity capital to assets | 12.1585% | 949 |
| Core capital (leverage) ratio | 12.8793% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $396,200,500 | 2,056 |
| Average earning assets | $375,349,000 | 2,016 |
| Average equity | $48,268,500 | 1,650 |
| Average total loans | $310,695,000 | 1,754 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 581 |
| Cost of funding earning assets | 0.8544% | 317 |
| Net interest margin | 3.7770% | 1,207 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.6899% | 4,198 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3759% | 1,192 |
| Return on assets (ROA) | 1.4024% | 1,088 |
| Pretax return on assets | 2.0031% | 477 |
| Return on Equity (ROE) | 11.1900% | 2,409 |
| Retained earnings to average equity (ytd only) | 10.5079% | 1,001 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.5812% | 4,369 |
| Assets per employee ($millions) | 11.4938% | 450 |
| Cash dividends to net income (ytd only)* | 6.1185% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,403 |
| Loan loss allowance to noncurrent loans | 1,068.8725% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1044% | 2,802 |
| Noncurrent loans to loans | 0.1337% | 2,845 |
| Net loans and leases to total assets | 76.9500% | 903 |
| Net loans and leases to deposits | 96.2128% | 623 |
| Net loans and leases to core deposits | 178.0042% | 40 |
| Total domestic deposits to total assets | 79.9800% | 3,879 |
| Equity capital to assets | 12.2078% | 878 |
| Core capital (leverage) ratio | 13.3469% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $365,938,600 | 2,158 |
| Average earning assets | $346,912,200 | 2,120 |
| Average equity | $45,851,200 | 1,734 |
| Average total loans | $286,416,600 | 1,787 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 651 |
| Cost of funding earning assets | 0.5815% | 481 |
| Net interest margin | 3.7694% | 1,000 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.7357% | 4,102 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4136% | 1,049 |
| Return on assets (ROA) | 1.4496% | 932 |
| Pretax return on assets | 2.0545% | 416 |
| Return on Equity (ROE) | 11.4900% | 2,205 |
| Retained earnings to average equity (ytd only) | 10.5666% | 1,175 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.2884% | 4,367 |
| Assets per employee ($millions) | 11.2180% | 471 |
| Cash dividends to net income (ytd only)* | 8.0286% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,598 |
| Loan loss allowance to noncurrent loans | 1,024.1463% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 2,826 |
| Noncurrent loans to loans | 0.1370% | 2,949 |
| Net loans and leases to total assets | 82.2200% | 367 |
| Net loans and leases to deposits | 104.2238% | 235 |
| Net loans and leases to core deposits | 157.9599% | 48 |
| Total domestic deposits to total assets | 78.8900% | 4,186 |
| Equity capital to assets | 12.8742% | 694 |
| Core capital (leverage) ratio | 13.9436% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $359,725,750 | 2,197 |
| Average earning assets | $341,862,750 | 2,160 |
| Average equity | $45,387,250 | 1,767 |
| Average total loans | $281,751,750 | 1,799 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 718 |
| Cost of funding earning assets | 0.4539% | 678 |
| Net interest margin | 3.6842% | 937 |
| Noninterest income to average assets | 0.1622% | 4,197 |
| Noninterest expense to average assets | 1.7062% | 4,137 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3767% | 965 |
| Return on assets (ROA) | 1.4307% | 820 |
| Pretax return on assets | 2.0329% | 353 |
| Return on Equity (ROE) | 11.4162% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.0241% | 1,012 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4810% | 4,428 |
| Assets per employee ($millions) | 10.8825% | 518 |
| Cash dividends to net income (ytd only)* | 12.1942% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5590% | 1,248 |
| Loan loss allowance to noncurrent loans | 1,006.0096% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,874 |
| Noncurrent loans to loans | 0.1550% | 2,917 |
| Net loans and leases to total assets | 75.8842% | 742 |
| Net loans and leases to deposits | 92.3808% | 588 |
| Net loans and leases to core deposits | 127.9011% | 133 |
| Total domestic deposits to total assets | 82.1428% | 3,989 |
| Equity capital to assets | 13.0249% | 662 |
| Core capital (leverage) ratio | 13.2938% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $359,976,000 | 2,200 |
| Average earning assets | $342,814,667 | 2,172 |
| Average equity | $45,111,333 | 1,826 |
| Average total loans | $275,880,333 | 1,822 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 954 |
| Cost of funding earning assets | 0.4284% | 733 |
| Net interest margin | 3.4526% | 1,182 |
| Noninterest income to average assets | 0.2996% | 3,321 |
| Noninterest expense to average assets | 1.7483% | 4,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2878% | 1,025 |
| Return on assets (ROA) | 1.3940% | 805 |
| Pretax return on assets | 1.9812% | 372 |
| Return on Equity (ROE) | 11.3364% | 1,508 |
| Retained earnings to average equity (ytd only) | 8.5445% | 1,411 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6314% | 4,374 |
| Assets per employee ($millions) | 11.5934% | 441 |
| Cash dividends to net income (ytd only)* | 24.6275% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,593 |
| Loan loss allowance to noncurrent loans | 531.7662% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2190% | 2,329 |
| Noncurrent loans to loans | 0.2794% | 2,469 |
| Net loans and leases to total assets | 77.1970% | 440 |
| Net loans and leases to deposits | 91.5037% | 455 |
| Net loans and leases to core deposits | 123.7481% | 126 |
| Total domestic deposits to total assets | 84.3648% | 3,685 |
| Equity capital to assets | 12.4657% | 818 |
| Core capital (leverage) ratio | 12.3497% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $365,844,000 | 2,184 |
| Average earning assets | $349,184,500 | 2,151 |
| Average equity | $44,988,000 | 1,890 |
| Average total loans | $279,598,500 | 1,795 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 1,416 |
| Cost of funding earning assets | 0.5817% | 599 |
| Net interest margin | 3.3955% | 2,045 |
| Noninterest income to average assets | 0.3597% | 3,281 |
| Noninterest expense to average assets | 1.7399% | 4,239 |
| Loan and lease loss provision to assets | 0.0827% | 1,488 |
| Net operating income to assets | 1.2668% | 1,696 |
| Return on assets (ROA) | 1.3308% | 1,550 |
| Pretax return on assets | 1.8910% | 736 |
| Return on Equity (ROE) | 11.2632% | 2,069 |
| Retained earnings to average equity (ytd only) | 10.5307% | 799 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8980% | 4,412 |
| Assets per employee ($millions) | 10.3415% | 607 |
| Cash dividends to net income (ytd only)* | 6.5037% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,522 |
| Loan loss allowance to noncurrent loans | 1,149.7253% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 3,255 |
| Noncurrent loans to loans | 0.1311% | 3,277 |
| Net loans and leases to total assets | 73.4328% | 713 |
| Net loans and leases to deposits | 87.0908% | 708 |
| Net loans and leases to core deposits | 116.4654% | 197 |
| Total domestic deposits to total assets | 84.3175% | 3,472 |
| Equity capital to assets | 12.1343% | 1,198 |
| Core capital (leverage) ratio | 12.0031% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,778,800 | 2,137 |
| Average earning assets | $349,669,600 | 2,085 |
| Average equity | $42,865,200 | 1,982 |
| Average total loans | $273,417,800 | 1,819 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 1,960 |
| Cost of funding earning assets | 0.6273% | 548 |
| Net interest margin | 3.1997% | 2,729 |
| Noninterest income to average assets | 0.4362% | 2,904 |
| Noninterest expense to average assets | 1.8061% | 4,155 |
| Loan and lease loss provision to assets | 0.1110% | 1,089 |
| Net operating income to assets | 1.1242% | 2,465 |
| Return on assets (ROA) | 1.2101% | 2,191 |
| Pretax return on assets | 1.7188% | 1,365 |
| Return on Equity (ROE) | 10.3132% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.3232% | 1,569 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2062% | 4,107 |
| Assets per employee ($millions) | 10.3588% | 578 |
| Cash dividends to net income (ytd only)* | 9.5995% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 75.1372% | 604 |
| Net loans and leases to deposits | 88.2634% | 702 |
| Net loans and leases to core deposits | 115.2678% | 237 |
| Total domestic deposits to total assets | 85.1284% | 3,071 |
| Equity capital to assets | 11.7731% | 1,503 |
| Core capital (leverage) ratio | 12.1568% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,400,250 | 2,172 |
| Average earning assets | $348,144,000 | 2,107 |
| Average equity | $42,287,750 | 2,032 |
| Average total loans | $272,379,750 | 1,858 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7620% | 2,167 |
| Cost of funding earning assets | 0.7185% | 421 |
| Net interest margin | 3.0435% | 3,199 |
| Noninterest income to average assets | 0.1864% | 4,271 |
| Noninterest expense to average assets | 1.7775% | 4,230 |
| Loan and lease loss provision to assets | 0.0786% | 1,534 |
| Net operating income to assets | 0.8830% | 3,269 |
| Return on assets (ROA) | 1.0134% | 2,928 |
| Pretax return on assets | 1.4395% | 2,214 |
| Return on Equity (ROE) | 8.6469% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.1427% | 2,374 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7791% | 3,436 |
| Assets per employee ($millions) | 10.2459% | 571 |
| Cash dividends to net income (ytd only)* | 17.3961% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4662% | 1,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 77.6469% | 470 |
| Net loans and leases to deposits | 91.7064% | 556 |
| Net loans and leases to core deposits | 122.4663% | 192 |
| Total domestic deposits to total assets | 84.6690% | 3,230 |
| Equity capital to assets | 12.1843% | 1,279 |
| Core capital (leverage) ratio | 11.9297% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,227,667 | 2,178 |
| Average earning assets | $344,608,333 | 2,116 |
| Average equity | $41,749,000 | 2,043 |
| Average total loans | $268,378,000 | 1,883 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 2,623 |
| Cost of funding earning assets | 0.8241% | 314 |
| Net interest margin | 2.7812% | 3,804 |
| Noninterest income to average assets | 0.1988% | 4,196 |
| Noninterest expense to average assets | 1.7414% | 4,301 |
| Loan and lease loss provision to assets | 0.1555% | 826 |
| Net operating income to assets | 0.6761% | 3,766 |
| Return on assets (ROA) | 0.9340% | 3,108 |
| Pretax return on assets | 1.3272% | 2,496 |
| Return on Equity (ROE) | 8.1254% | 3,287 |
| Retained earnings to average equity (ytd only) | 5.0917% | 3,199 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0997% | 3,020 |
| Assets per employee ($millions) | 9.9648% | 601 |
| Cash dividends to net income (ytd only)* | 37.3365% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 1,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 74.4961% | 773 |
| Net loans and leases to deposits | 88.7635% | 780 |
| Net loans and leases to core deposits | 124.1323% | 207 |
| Total domestic deposits to total assets | 83.9265% | 3,460 |
| Equity capital to assets | 11.5108% | 1,537 |
| Core capital (leverage) ratio | 11.4345% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,162,000 | 2,141 |
| Average earning assets | $349,486,500 | 2,083 |
| Average equity | $41,401,000 | 2,041 |
| Average total loans | $265,309,500 | 1,898 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 2,480 |
| Cost of funding earning assets | 1.2362% | 239 |
| Net interest margin | 2.8452% | 4,194 |
| Noninterest income to average assets | 0.1947% | 4,310 |
| Noninterest expense to average assets | 1.9462% | 4,237 |
| Loan and lease loss provision to assets | 0.1515% | 2,479 |
| Net operating income to assets | 0.5980% | 3,763 |
| Return on assets (ROA) | 0.7112% | 3,532 |
| Pretax return on assets | 1.0115% | 3,009 |
| Return on Equity (ROE) | 5.6549% | 3,692 |
| Retained earnings to average equity (ytd only) | 4.8734% | 2,331 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6217% | 2,591 |
| Assets per employee ($millions) | 10.0442% | 525 |
| Cash dividends to net income (ytd only)* | 13.8204% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 70.6508% | 1,477 |
| Net loans and leases to deposits | 84.2808% | 1,425 |
| Net loans and leases to core deposits | 117.8440% | 341 |
| Total domestic deposits to total assets | 83.8279% | 3,159 |
| Equity capital to assets | 11.4795% | 1,899 |
| Core capital (leverage) ratio | 11.3146% | 1,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,441,400 | 2,195 |
| Average earning assets | $311,117,800 | 2,112 |
| Average equity | $40,177,200 | 2,017 |
| Average total loans | $240,322,600 | 1,970 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 2,474 |
| Cost of funding earning assets | 1.3275% | 218 |
| Net interest margin | 2.8394% | 4,278 |
| Noninterest income to average assets | 0.3522% | 3,348 |
| Noninterest expense to average assets | 1.9686% | 4,217 |
| Loan and lease loss provision to assets | 0.1874% | 2,109 |
| Net operating income to assets | 0.6764% | 3,537 |
| Return on assets (ROA) | 0.6764% | 3,649 |
| Pretax return on assets | 0.9612% | 3,196 |
| Return on Equity (ROE) | 5.2436% | 3,813 |
| Retained earnings to average equity (ytd only) | 4.1929% | 2,949 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1543% | 2,887 |
| Assets per employee ($millions) | 10.2477% | 469 |
| Cash dividends to net income (ytd only)* | 20.0383% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.1324% | 1,798 |
| Net loans and leases to deposits | 86.1285% | 1,685 |
| Net loans and leases to core deposits | 120.5879% | 401 |
| Total domestic deposits to total assets | 82.5886% | 3,255 |
| Equity capital to assets | 11.4119% | 2,074 |
| Core capital (leverage) ratio | 11.5642% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,904,000 | 2,226 |
| Average earning assets | $300,804,750 | 2,145 |
| Average equity | $39,844,250 | 2,022 |
| Average total loans | $235,565,250 | 1,994 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,342 |
| Cost of funding earning assets | 1.4696% | 175 |
| Net interest margin | 2.8793% | 4,341 |
| Noninterest income to average assets | 0.4605% | 2,761 |
| Noninterest expense to average assets | 2.0943% | 4,046 |
| Loan and lease loss provision to assets | 0.1437% | 2,576 |
| Net operating income to assets | 0.7177% | 3,330 |
| Return on assets (ROA) | 0.7177% | 3,441 |
| Pretax return on assets | 1.0201% | 2,970 |
| Return on Equity (ROE) | 5.3138% | 3,743 |
| Retained earnings to average equity (ytd only) | 3.7232% | 3,054 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2797% | 2,787 |
| Assets per employee ($millions) | 9.6204% | 564 |
| Cash dividends to net income (ytd only)* | 29.9333% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 72.2129% | 1,669 |
| Net loans and leases to deposits | 88.7314% | 1,480 |
| Net loans and leases to core deposits | 121.7911% | 382 |
| Total domestic deposits to total assets | 81.3836% | 3,528 |
| Equity capital to assets | 12.2998% | 1,480 |
| Core capital (leverage) ratio | 12.9324% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,316,000 | 2,299 |
| Average earning assets | $284,030,667 | 2,225 |
| Average equity | $39,482,000 | 2,019 |
| Average total loans | $227,765,667 | 2,026 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,612 |
| Cost of funding earning assets | 1.6420% | 163 |
| Net interest margin | 3.0898% | 4,118 |
| Noninterest income to average assets | 0.2924% | 3,774 |
| Noninterest expense to average assets | 2.2130% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7464% | 3,106 |
| Return on assets (ROA) | 0.7464% | 3,179 |
| Pretax return on assets | 1.0665% | 2,619 |
| Return on Equity (ROE) | 5.2471% | 3,557 |
| Retained earnings to average equity (ytd only) | 2.0354% | 3,435 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4800% | 2,748 |
| Assets per employee ($millions) | 8.0209% | 728 |
| Cash dividends to net income (ytd only)* | 61.2086% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,410 |
| Loan loss allowance to noncurrent loans | 856.6751% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1414% | 3,941 |
| Noncurrent loans to loans | 0.1728% | 3,850 |
| Net loans and leases to total assets | 80.6106% | 618 |
| Net loans and leases to deposits | 98.4688% | 662 |
| Net loans and leases to core deposits | 135.1194% | 210 |
| Total domestic deposits to total assets | 81.8641% | 3,453 |
| Equity capital to assets | 14.0199% | 1,047 |
| Core capital (leverage) ratio | 14.1768% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,927,000 | 2,350 |
| Average earning assets | $265,775,500 | 2,282 |
| Average equity | $39,107,000 | 2,019 |
| Average total loans | $221,741,000 | 2,041 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 2,000 |
| Cost of funding earning assets | 1.7786% | 148 |
| Net interest margin | 3.0352% | 4,474 |
| Noninterest income to average assets | 0.1858% | 4,555 |
| Noninterest expense to average assets | 2.0580% | 4,433 |
| Loan and lease loss provision to assets | -0.1443% | 5,103 |
| Net operating income to assets | 0.8353% | 3,432 |
| Return on assets (ROA) | 0.8353% | 3,521 |
| Pretax return on assets | 1.1888% | 2,877 |
| Return on Equity (ROE) | 6.1298% | 3,876 |
| Retained earnings to average equity (ytd only) | 5.3010% | 2,272 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3333% | 2,721 |
| Assets per employee ($millions) | 7.6893% | 799 |
| Cash dividends to net income (ytd only)* | 13.5205% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 997 |
| 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 | 78.1729% | 1,054 |
| Net loans and leases to deposits | 95.0321% | 1,048 |
| Net loans and leases to core deposits | 132.8429% | 241 |
| Total domestic deposits to total assets | 82.2595% | 3,431 |
| Equity capital to assets | 14.4380% | 952 |
| Core capital (leverage) ratio | 14.1829% | 884 |
| Tier 1 risk-based capital ratio | 16.8189% | 2,115 |
| Total risk-based capital ratio | 18.0735% | 2,053 |
| Memoranda: | ||
| Average total assets | $277,158,800 | 2,290 |
| Average earning assets | $266,337,400 | 2,240 |
| Average equity | $37,766,200 | 2,019 |
| Average total loans | $203,770,600 | 2,144 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8294% | 2,035 |
| Cost of funding earning assets | 1.7812% | 150 |
| Net interest margin | 3.0481% | 4,560 |
| Noninterest income to average assets | 0.1801% | 4,644 |
| Noninterest expense to average assets | 2.0164% | 4,517 |
| Loan and lease loss provision to assets | -0.1433% | 5,192 |
| Net operating income to assets | 0.8707% | 3,449 |
| Return on assets (ROA) | 0.8707% | 3,535 |
| Pretax return on assets | 1.2394% | 2,856 |
| Return on Equity (ROE) | 6.4827% | 3,889 |
| Retained earnings to average equity (ytd only) | 5.3696% | 2,692 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7844% | 2,895 |
| Assets per employee ($millions) | 7.9073% | 715 |
| Cash dividends to net income (ytd only)* | 17.1694% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 719 |
| 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 | 70.0513% | 2,464 |
| Net loans and leases to deposits | 84.3923% | 2,406 |
| Net loans and leases to core deposits | 117.6436% | 607 |
| Total domestic deposits to total assets | 83.0068% | 3,168 |
| Equity capital to assets | 13.9162% | 1,185 |
| Core capital (leverage) ratio | 13.5056% | 1,128 |
| Tier 1 risk-based capital ratio | 17.6374% | 1,912 |
| Total risk-based capital ratio | 18.8937% | 1,874 |
| Memoranda: | ||
| Average total assets | $279,167,500 | 2,293 |
| Average earning assets | $268,571,750 | 2,235 |
| Average equity | $37,493,750 | 2,041 |
| Average total loans | $201,267,500 | 2,172 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 1,869 |
| Cost of funding earning assets | 1.7005% | 181 |
| Net interest margin | 3.1629% | 4,432 |
| Noninterest income to average assets | 0.1929% | 4,598 |
| Noninterest expense to average assets | 1.9688% | 4,657 |
| Loan and lease loss provision to assets | -0.1072% | 5,215 |
| Net operating income to assets | 0.9672% | 3,037 |
| Return on assets (ROA) | 0.9672% | 3,111 |
| Pretax return on assets | 1.3780% | 2,271 |
| Return on Equity (ROE) | 7.2886% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.6038% | 2,471 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7718% | 3,617 |
| Assets per employee ($millions) | 8.9263% | 477 |
| Cash dividends to net income (ytd only)* | 23.1167% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 579 |
| 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 | 64.5227% | 3,284 |
| Net loans and leases to deposits | 76.4079% | 3,295 |
| Net loans and leases to core deposits | 108.5881% | 1,054 |
| Total domestic deposits to total assets | 84.4451% | 2,710 |
| Equity capital to assets | 12.8466% | 1,663 |
| Core capital (leverage) ratio | 13.0461% | 1,277 |
| Tier 1 risk-based capital ratio | 17.6365% | 1,900 |
| Total risk-based capital ratio | 18.8939% | 1,851 |
| Memoranda: | ||
| Average total assets | $279,971,000 | 2,297 |
| Average earning assets | $269,691,330 | 2,232 |
| Average equity | $37,153,670 | 2,054 |
| Average total loans | $202,565,670 | 2,170 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 1,401 |
| Cost of funding earning assets | 1.5880% | 239 |
| Net interest margin | 3.3860% | 3,925 |
| Noninterest income to average assets | 0.2420% | 4,271 |
| Noninterest expense to average assets | 1.9408% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1017% | 2,458 |
| Return on assets (ROA) | 1.1017% | 2,507 |
| Pretax return on assets | 1.5667% | 1,553 |
| Return on Equity (ROE) | 8.1609% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.7596% | 3,020 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3325% | 4,406 |
| Assets per employee ($millions) | 8.9594% | 487 |
| Cash dividends to net income (ytd only)* | 41.6778% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 628 |
| 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 | 72.1490% | 2,128 |
| Net loans and leases to deposits | 86.1580% | 2,114 |
| Net loans and leases to core deposits | 118.0614% | 577 |
| Total domestic deposits to total assets | 83.7403% | 3,135 |
| Equity capital to assets | 13.3430% | 1,275 |
| Core capital (leverage) ratio | 13.8343% | 992 |
| Tier 1 risk-based capital ratio | 16.5030% | 2,265 |
| Total risk-based capital ratio | 17.7602% | 2,213 |
| Memoranda: | ||
| Average total assets | $272,672,000 | 2,359 |
| Average earning assets | $262,967,000 | 2,297 |
| Average equity | $36,809,500 | 2,065 |
| Average total loans | $206,991,000 | 2,160 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 1,421 |
| Cost of funding earning assets | 1.3078% | 208 |
| Net interest margin | 3.5435% | 3,565 |
| Noninterest income to average assets | 0.4734% | 2,979 |
| Noninterest expense to average assets | 2.0421% | 4,676 |
| Loan and lease loss provision to assets | 0.0178% | 3,802 |
| Net operating income to assets | 1.2996% | 1,803 |
| Return on assets (ROA) | 1.2996% | 1,791 |
| Pretax return on assets | 1.8556% | 802 |
| Return on Equity (ROE) | 10.1076% | 2,474 |
| Retained earnings to average equity (ytd only) | 10.1076% | 601 |
| Net charge-offs to loans | 0.0067% | 3,447 |
| Credit loss provision to net charge-offs | 342.8571% | 914 |
| Earnings coverage of net charge-offs (x) | 361.5000% | 286 |
| Efficiency ratio | 52.1554% | 4,786 |
| Assets per employee ($millions) | 9.5572% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8118% | 668 |
| 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 | 76.9770% | 1,445 |
| Net loans and leases to deposits | 91.2968% | 1,628 |
| Net loans and leases to core deposits | 125.9482% | 396 |
| Total domestic deposits to total assets | 84.3151% | 2,904 |
| Equity capital to assets | 13.6621% | 1,087 |
| Core capital (leverage) ratio | 13.5276% | 1,070 |
| Tier 1 risk-based capital ratio | 16.4066% | 2,270 |
| Total risk-based capital ratio | 17.6640% | 2,208 |
| Memoranda: | ||
| Average total assets | $270,162,200 | 2,332 |
| Average earning assets | $262,420,600 | 2,247 |
| Average equity | $34,736,200 | 2,085 |
| Average total loans | $207,441,000 | 2,117 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 1,610 |
| Cost of funding earning assets | 1.2390% | 205 |
| Net interest margin | 3.4839% | 3,748 |
| Noninterest income to average assets | 0.5288% | 2,687 |
| Noninterest expense to average assets | 2.0206% | 4,697 |
| Loan and lease loss provision to assets | 0.0236% | 3,553 |
| Net operating income to assets | 1.3047% | 1,839 |
| Return on assets (ROA) | 1.3047% | 1,844 |
| Pretax return on assets | 1.8709% | 858 |
| Return on Equity (ROE) | 10.3070% | 2,475 |
| Retained earnings to average equity (ytd only) | 10.3070% | 822 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6097% | 4,846 |
| Assets per employee ($millions) | 10.0936% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8732% | 632 |
| Loan loss allowance to noncurrent loans | 3,565.4206% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,787 |
| Noncurrent loans to loans | 0.0525% | 4,659 |
| Net loans and leases to total assets | 73.3295% | 2,111 |
| Net loans and leases to deposits | 86.0064% | 2,366 |
| Net loans and leases to core deposits | 116.7008% | 686 |
| Total domestic deposits to total assets | 85.2605% | 2,505 |
| Equity capital to assets | 13.0622% | 1,306 |
| Core capital (leverage) ratio | 12.8256% | 1,357 |
| Tier 1 risk-based capital ratio | 16.2713% | 2,348 |
| Total risk-based capital ratio | 17.5293% | 2,282 |
| Memoranda: | ||
| Average total assets | $270,802,250 | 2,334 |
| Average earning assets | $263,225,000 | 2,247 |
| Average equity | $34,280,250 | 2,106 |
| Average total loans | $206,853,000 | 2,128 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 1,819 |
| Cost of funding earning assets | 1.1309% | 254 |
| Net interest margin | 3.4551% | 3,783 |
| Noninterest income to average assets | 0.5181% | 2,759 |
| Noninterest expense to average assets | 2.0375% | 4,723 |
| Loan and lease loss provision to assets | 0.0355% | 3,207 |
| Net operating income to assets | 1.2641% | 1,919 |
| Return on assets (ROA) | 1.2641% | 1,920 |
| Pretax return on assets | 1.8051% | 948 |
| Return on Equity (ROE) | 10.0943% | 2,522 |
| Retained earnings to average equity (ytd only) | 10.0943% | 906 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5382% | 4,830 |
| Assets per employee ($millions) | 10.4772% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8163% | 732 |
| Loan loss allowance to noncurrent loans | 3,565.4206% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,839 |
| Noncurrent loans to loans | 0.0509% | 4,689 |
| Net loans and leases to total assets | 72.9034% | 2,136 |
| Net loans and leases to deposits | 84.3647% | 2,494 |
| Net loans and leases to core deposits | 113.5026% | 815 |
| Total domestic deposits to total assets | 86.4146% | 2,093 |
| Equity capital to assets | 12.2548% | 1,694 |
| Core capital (leverage) ratio | 12.7237% | 1,338 |
| Tier 1 risk-based capital ratio | 15.4550% | 2,657 |
| Total risk-based capital ratio | 16.7125% | 2,589 |
| Memoranda: | ||
| Average total assets | $270,227,670 | 2,352 |
| Average earning assets | $262,797,000 | 2,259 |
| Average equity | $33,841,000 | 2,131 |
| Average total loans | $207,918,330 | 2,119 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 1,606 |
| Cost of funding earning assets | 1.0555% | 287 |
| Net interest margin | 3.5330% | 3,416 |
| Noninterest income to average assets | 0.6230% | 2,159 |
| Noninterest expense to average assets | 2.1205% | 4,615 |
| Loan and lease loss provision to assets | 0.0728% | 2,306 |
| Net operating income to assets | 1.3096% | 1,613 |
| Return on assets (ROA) | 1.3096% | 1,619 |
| Pretax return on assets | 1.8643% | 787 |
| Return on Equity (ROE) | 10.3386% | 2,257 |
| Retained earnings to average equity (ytd only) | 10.3386% | 1,059 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2600% | 4,939 |
| Assets per employee ($millions) | 10.2062% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 768 |
| Loan loss allowance to noncurrent loans | 3,436.9369% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0418% | 4,905 |
| Noncurrent loans to loans | 0.0527% | 4,746 |
| Net loans and leases to total assets | 77.8868% | 1,261 |
| Net loans and leases to deposits | 90.5583% | 1,623 |
| Net loans and leases to core deposits | 114.5192% | 778 |
| Total domestic deposits to total assets | 86.0074% | 2,535 |
| Equity capital to assets | 12.7486% | 1,360 |
| Core capital (leverage) ratio | 12.9570% | 1,195 |
| Tier 1 risk-based capital ratio | 14.8904% | 2,926 |
| Total risk-based capital ratio | 16.1476% | 2,853 |
| Memoranda: | ||
| Average total assets | $263,899,500 | 2,413 |
| Average earning assets | $256,552,000 | 2,318 |
| Average equity | $33,428,000 | 2,165 |
| Average total loans | $206,854,000 | 2,141 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1952% | 2,702 |
| Cost of funding earning assets | 0.9750% | 248 |
| Net interest margin | 3.2201% | 4,391 |
| Noninterest income to average assets | 0.1526% | 5,196 |
| Noninterest expense to average assets | 1.7610% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7185% | 3,523 |
| Return on assets (ROA) | 0.7185% | 3,569 |
| Pretax return on assets | 1.5320% | 1,517 |
| Return on Equity (ROE) | 5.9465% | 3,786 |
| Retained earnings to average equity (ytd only) | 5.9465% | 1,577 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4774% | 4,990 |
| Assets per employee ($millions) | 10.4975% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 704 |
| Loan loss allowance to noncurrent loans | 3,219.6581% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 4,912 |
| Noncurrent loans to loans | 0.0576% | 4,738 |
| Net loans and leases to total assets | 75.9969% | 1,596 |
| Net loans and leases to deposits | 88.0575% | 2,010 |
| Net loans and leases to core deposits | 107.8484% | 1,143 |
| Total domestic deposits to total assets | 86.3038% | 2,313 |
| Equity capital to assets | 12.5844% | 1,467 |
| Core capital (leverage) ratio | 12.6362% | 1,293 |
| Tier 1 risk-based capital ratio | 14.8139% | 2,921 |
| Total risk-based capital ratio | 16.0709% | 2,860 |
| Memoranda: | ||
| Average total assets | $264,163,600 | 2,373 |
| Average earning assets | $257,629,800 | 2,295 |
| Average equity | $31,917,800 | 2,222 |
| Average total loans | $199,285,600 | 2,163 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1273% | 2,888 |
| Cost of funding earning assets | 0.9598% | 239 |
| Net interest margin | 3.1675% | 4,544 |
| Noninterest income to average assets | 0.0700% | 5,557 |
| Noninterest expense to average assets | 1.6795% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8672% | 3,191 |
| Return on assets (ROA) | 0.8672% | 3,237 |
| Pretax return on assets | 1.4805% | 1,841 |
| Return on Equity (ROE) | 7.2521% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.2521% | 1,568 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1494% | 4,999 |
| Assets per employee ($millions) | 11.0187% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8959% | 708 |
| Loan loss allowance to noncurrent loans | 3,062.6016% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,999 |
| Noncurrent loans to loans | 0.0619% | 4,834 |
| Net loans and leases to total assets | 73.7084% | 1,963 |
| Net loans and leases to deposits | 85.0111% | 2,433 |
| Net loans and leases to core deposits | 100.4608% | 1,667 |
| Total domestic deposits to total assets | 86.7044% | 1,991 |
| Equity capital to assets | 12.4368% | 1,693 |
| Core capital (leverage) ratio | 12.8114% | 1,283 |
| Tier 1 risk-based capital ratio | 14.6772% | 3,084 |
| Total risk-based capital ratio | 15.9344% | 3,001 |
| Memoranda: | ||
| Average total assets | $264,595,250 | 2,396 |
| Average earning assets | $258,114,250 | 2,309 |
| Average equity | $31,640,750 | 2,255 |
| Average total loans | $198,304,250 | 2,176 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 2,971 |
| Cost of funding earning assets | 0.9583% | 214 |
| Net interest margin | 3.1027% | 4,677 |
| Noninterest income to average assets | 0.0589% | 5,625 |
| Noninterest expense to average assets | 1.6891% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8185% | 3,307 |
| Return on assets (ROA) | 0.8185% | 3,358 |
| Pretax return on assets | 1.3966% | 2,035 |
| Return on Equity (ROE) | 6.9368% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.9368% | 1,622 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7392% | 4,949 |
| Assets per employee ($millions) | 11.0667% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9318% | 681 |
| Loan loss allowance to noncurrent loans | 2,920.1550% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 5,022 |
| Noncurrent loans to loans | 0.0662% | 4,858 |
| Net loans and leases to total assets | 75.1295% | 1,674 |
| Net loans and leases to deposits | 86.5165% | 2,163 |
| Net loans and leases to core deposits | 99.2758% | 1,700 |
| Total domestic deposits to total assets | 86.8383% | 2,023 |
| Equity capital to assets | 12.5080% | 1,617 |
| Core capital (leverage) ratio | 12.2409% | 1,503 |
| Tier 1 risk-based capital ratio | 14.4814% | 3,177 |
| Total risk-based capital ratio | 15.7393% | 3,094 |
| Memoranda: | ||
| Average total assets | $264,644,000 | 2,409 |
| Average earning assets | $258,166,330 | 2,315 |
| Average equity | $31,224,670 | 2,275 |
| Average total loans | $198,176,330 | 2,182 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 3,479 |
| Cost of funding earning assets | 0.9569% | 207 |
| Net interest margin | 2.9195% | 5,050 |
| Noninterest income to average assets | 0.0534% | 5,722 |
| Noninterest expense to average assets | 1.8450% | 5,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6170% | 4,079 |
| Return on assets (ROA) | 0.6170% | 4,136 |
| Pretax return on assets | 1.0545% | 3,157 |
| Return on Equity (ROE) | 5.3819% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.3819% | 2,680 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6317% | 3,899 |
| Assets per employee ($millions) | 12.0691% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 898 |
| Loan loss allowance to noncurrent loans | 2,832.3308% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 5,101 |
| Noncurrent loans to loans | 0.0648% | 4,939 |
| Net loans and leases to total assets | 75.8320% | 1,440 |
| Net loans and leases to deposits | 86.3666% | 1,994 |
| Net loans and leases to core deposits | 101.0403% | 1,440 |
| Total domestic deposits to total assets | 87.8025% | 1,821 |
| Equity capital to assets | 11.7283% | 2,013 |
| Core capital (leverage) ratio | 11.5269% | 1,925 |
| Tier 1 risk-based capital ratio | 13.2393% | 3,917 |
| Total risk-based capital ratio | 14.4955% | 3,837 |
| Memoranda: | ||
| Average total assets | $269,699,000 | 2,401 |
| Average earning assets | $262,923,500 | 2,298 |
| Average equity | $30,918,500 | 2,301 |
| Average total loans | $199,766,000 | 2,188 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 3,436 |
| Cost of funding earning assets | 0.9556% | 221 |
| Net interest margin | 2.9807% | 5,001 |
| Noninterest income to average assets | 0.0865% | 5,679 |
| Noninterest expense to average assets | 1.4608% | 5,739 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8327% | 3,140 |
| Return on assets (ROA) | 0.8327% | 3,255 |
| Pretax return on assets | 1.5300% | 1,493 |
| Return on Equity (ROE) | 7.5098% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.5098% | 1,033 |
| Net charge-offs to loans | 0.0036% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 571.1429% | 146 |
| Efficiency ratio | 48.8420% | 5,537 |
| Assets per employee ($millions) | 13.0418% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 745 |
| Loan loss allowance to noncurrent loans | 2,081.2155% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 5,066 |
| Noncurrent loans to loans | 0.0931% | 4,867 |
| Net loans and leases to total assets | 69.6108% | 2,539 |
| Net loans and leases to deposits | 79.3358% | 2,960 |
| Net loans and leases to core deposits | 92.7276% | 2,231 |
| Total domestic deposits to total assets | 87.7419% | 1,772 |
| Equity capital to assets | 11.2080% | 2,411 |
| Core capital (leverage) ratio | 11.1632% | 2,198 |
| Tier 1 risk-based capital ratio | 13.6263% | 3,693 |
| Total risk-based capital ratio | 14.8829% | 3,591 |
| Memoranda: | ||
| Average total assets | $261,303,800 | 2,429 |
| Average earning assets | $254,601,800 | 2,327 |
| Average equity | $28,975,400 | 2,452 |
| Average total loans | $195,252,000 | 2,153 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 3,406 |
| Cost of funding earning assets | 0.9399% | 236 |
| Net interest margin | 3.0125% | 4,992 |
| Noninterest income to average assets | 0.0739% | 5,777 |
| Noninterest expense to average assets | 1.4538% | 5,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8630% | 3,089 |
| Return on assets (ROA) | 0.8630% | 3,217 |
| Pretax return on assets | 1.5582% | 1,506 |
| Return on Equity (ROE) | 7.8049% | 3,114 |
| Retained earnings to average equity (ytd only) | 7.8049% | 1,252 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2682% | 5,583 |
| Assets per employee ($millions) | 13.1283% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 862 |
| Loan loss allowance to noncurrent loans | 2,062.2951% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,176 |
| Noncurrent loans to loans | 0.0919% | 4,977 |
| Net loans and leases to total assets | 70.8764% | 2,364 |
| Net loans and leases to deposits | 80.3383% | 2,919 |
| Net loans and leases to core deposits | 95.1992% | 2,078 |
| Total domestic deposits to total assets | 88.2224% | 1,284 |
| Equity capital to assets | 10.9259% | 3,089 |
| Core capital (leverage) ratio | 11.0468% | 2,399 |
| Tier 1 risk-based capital ratio | 13.0958% | 4,099 |
| Total risk-based capital ratio | 14.3523% | 4,007 |
| Memoranda: | ||
| Average total assets | $258,160,500 | 2,457 |
| Average earning assets | $251,789,000 | 2,358 |
| Average equity | $28,545,250 | 2,493 |
| Average total loans | $195,461,250 | 2,160 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,330 |
| Cost of funding earning assets | 0.8993% | 292 |
| Net interest margin | 3.0753% | 4,902 |
| Noninterest income to average assets | 0.0793% | 5,843 |
| Noninterest expense to average assets | 1.5393% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1985% | 1,609 |
| Return on assets (ROA) | 1.1985% | 1,699 |
| Pretax return on assets | 1.5433% | 1,547 |
| Return on Equity (ROE) | 10.6994% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.6994% | 478 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9357% | 5,564 |
| Assets per employee ($millions) | 11.5197% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 970 |
| Loan loss allowance to noncurrent loans | 2,040.0000% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 5,250 |
| Noncurrent loans to loans | 0.0910% | 5,085 |
| Net loans and leases to total assets | 78.7420% | 1,106 |
| Net loans and leases to deposits | 99.0647% | 781 |
| Net loans and leases to core deposits | 125.2213% | 386 |
| Total domestic deposits to total assets | 79.4854% | 4,677 |
| Equity capital to assets | 11.8181% | 2,257 |
| Core capital (leverage) ratio | 11.9433% | 1,667 |
| Tier 1 risk-based capital ratio | 13.1727% | 4,090 |
| Total risk-based capital ratio | 14.4295% | 4,006 |
| Memoranda: | ||
| Average total assets | $252,316,000 | 2,515 |
| Average earning assets | $246,416,330 | 2,414 |
| Average equity | $28,263,330 | 2,514 |
| Average total loans | $194,223,000 | 2,173 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 3,625 |
| Cost of funding earning assets | 0.8658% | 355 |
| Net interest margin | 3.0230% | 5,064 |
| Noninterest income to average assets | 0.0747% | 5,894 |
| Noninterest expense to average assets | 1.6063% | 5,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4252% | 994 |
| Return on assets (ROA) | 1.4252% | 1,041 |
| Pretax return on assets | 1.4252% | 1,820 |
| Return on Equity (ROE) | 13.0856% | 1,022 |
| Retained earnings to average equity (ytd only) | 13.0856% | 385 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9874% | 5,454 |
| Assets per employee ($millions) | 11.2517% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 879 |
| Loan loss allowance to noncurrent loans | 2,051.0870% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 5,285 |
| Noncurrent loans to loans | 0.0956% | 5,090 |
| Net loans and leases to total assets | 76.2508% | 1,356 |
| Net loans and leases to deposits | 95.3369% | 1,001 |
| Net loans and leases to core deposits | 119.4909% | 479 |
| Total domestic deposits to total assets | 79.9804% | 4,749 |
| Equity capital to assets | 11.2690% | 2,656 |
| Core capital (leverage) ratio | 11.1420% | 2,268 |
| Tier 1 risk-based capital ratio | 13.0814% | 4,209 |
| Total risk-based capital ratio | 14.3394% | 4,124 |
| Memoranda: | ||
| Average total assets | $251,757,000 | 2,527 |
| Average earning assets | $246,243,000 | 2,419 |
| Average equity | $27,419,500 | 2,565 |
| Average total loans | $189,668,000 | 2,216 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 2,748 |
| Cost of funding earning assets | 0.8392% | 403 |
| Net interest margin | 3.3080% | 4,269 |
| Noninterest income to average assets | 0.1325% | 5,750 |
| Noninterest expense to average assets | 1.7669% | 5,780 |
| Loan and lease loss provision to assets | 0.1807% | 1,251 |
| Net operating income to assets | 1.4210% | 1,001 |
| Return on assets (ROA) | 1.4210% | 1,040 |
| Pretax return on assets | 1.4210% | 1,821 |
| Return on Equity (ROE) | 13.5405% | 940 |
| Retained earnings to average equity (ytd only) | 13.5405% | 181 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4521% | 5,612 |
| Assets per employee ($millions) | 11.6353% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 773 |
| Loan loss allowance to noncurrent loans | 187.9482% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7844% | 2,717 |
| Noncurrent loans to loans | 1.0749% | 2,193 |
| Net loans and leases to total assets | 71.5060% | 2,135 |
| Net loans and leases to deposits | 88.3244% | 1,835 |
| Net loans and leases to core deposits | 111.1490% | 804 |
| Total domestic deposits to total assets | 80.9584% | 4,498 |
| Equity capital to assets | 10.5259% | 3,332 |
| Core capital (leverage) ratio | 10.4150% | 3,042 |
| Tier 1 risk-based capital ratio | 13.3651% | 4,071 |
| Total risk-based capital ratio | 14.6246% | 4,012 |
| Memoranda: | ||
| Average total assets | $238,500,400 | 2,590 |
| Average earning assets | $233,314,400 | 2,478 |
| Average equity | $25,028,600 | 2,691 |
| Average total loans | $179,854,400 | 2,242 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 2,400 |
| Cost of funding earning assets | 0.8064% | 477 |
| Net interest margin | 3.4437% | 3,775 |
| Noninterest income to average assets | 0.1452% | 5,755 |
| Noninterest expense to average assets | 1.8064% | 5,769 |
| Loan and lease loss provision to assets | 0.2454% | 707 |
| Net operating income to assets | 1.4618% | 988 |
| Return on assets (ROA) | 1.4618% | 1,028 |
| Pretax return on assets | 1.4618% | 1,797 |
| Return on Equity (ROE) | 13.9414% | 922 |
| Retained earnings to average equity (ytd only) | 13.9414% | 212 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4100% | 5,686 |
| Assets per employee ($millions) | 11.7396% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 921 |
| Loan loss allowance to noncurrent loans | 526.3598% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2776% | 4,659 |
| Noncurrent loans to loans | 0.3784% | 4,255 |
| Net loans and leases to total assets | 71.9079% | 2,076 |
| Net loans and leases to deposits | 88.2304% | 1,871 |
| Net loans and leases to core deposits | 107.2547% | 1,021 |
| Total domestic deposits to total assets | 81.5001% | 4,325 |
| Equity capital to assets | 10.1172% | 4,033 |
| Core capital (leverage) ratio | 10.5346% | 3,003 |
| Tier 1 risk-based capital ratio | 13.2938% | 4,260 |
| Total risk-based capital ratio | 14.5535% | 4,179 |
| Memoranda: | ||
| Average total assets | $234,131,250 | 2,646 |
| Average earning assets | $229,008,500 | 2,539 |
| Average equity | $24,549,750 | 2,748 |
| Average total loans | $178,114,750 | 2,267 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 3,829 |
| Cost of funding earning assets | 0.7778% | 559 |
| Net interest margin | 3.0815% | 5,012 |
| Noninterest income to average assets | 0.1893% | 5,555 |
| Noninterest expense to average assets | 1.8949% | 5,717 |
| Loan and lease loss provision to assets | 0.3724% | 343 |
| Net operating income to assets | 0.9395% | 2,692 |
| Return on assets (ROA) | 0.9395% | 2,814 |
| Pretax return on assets | 0.9395% | 3,814 |
| Return on Equity (ROE) | 8.8415% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.8415% | 978 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0897% | 5,099 |
| Assets per employee ($millions) | 10.9801% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0144% | 963 |
| Loan loss allowance to noncurrent loans | 180.1819% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 2,820 |
| Noncurrent loans to loans | 1.1180% | 2,411 |
| Net loans and leases to total assets | 75.7947% | 1,394 |
| Net loans and leases to deposits | 93.6058% | 1,188 |
| Net loans and leases to core deposits | 114.0071% | 667 |
| Total domestic deposits to total assets | 80.9723% | 4,625 |
| Equity capital to assets | 10.1642% | 3,844 |
| Core capital (leverage) ratio | 10.6968% | 2,734 |
| Tier 1 risk-based capital ratio | 12.6846% | 4,690 |
| Total risk-based capital ratio | 13.9446% | 4,611 |
| Memoranda: | ||
| Average total assets | $226,084,330 | 2,735 |
| Average earning assets | $221,387,670 | 2,613 |
| Average equity | $24,023,000 | 2,812 |
| Average total loans | $174,322,330 | 2,323 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7923% | 4,041 |
| Cost of funding earning assets | 0.7521% | 646 |
| Net interest margin | 3.0402% | 5,103 |
| Noninterest income to average assets | 0.2363% | 5,272 |
| Noninterest expense to average assets | 1.9712% | 5,632 |
| Loan and lease loss provision to assets | 0.1557% | 1,306 |
| Net operating income to assets | 1.0937% | 1,890 |
| Return on assets (ROA) | 1.0937% | 2,001 |
| Pretax return on assets | 1.0937% | 3,109 |
| Return on Equity (ROE) | 10.0514% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.0514% | 911 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2059% | 4,930 |
| Assets per employee ($millions) | 9.7174% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 1,051 |
| Loan loss allowance to noncurrent loans | 160.7880% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 2,717 |
| Noncurrent loans to loans | 1.2513% | 2,285 |
| Net loans and leases to total assets | 74.7017% | 1,401 |
| Net loans and leases to deposits | 93.6572% | 1,023 |
| Net loans and leases to core deposits | 121.9756% | 368 |
| Total domestic deposits to total assets | 79.7607% | 5,105 |
| Equity capital to assets | 10.7812% | 3,213 |
| Core capital (leverage) ratio | 11.0094% | 2,402 |
| Tier 1 risk-based capital ratio | 13.7897% | 4,155 |
| Total risk-based capital ratio | 15.0481% | 4,069 |
| Memoranda: | ||
| Average total assets | $218,345,000 | 2,817 |
| Average earning assets | $214,328,500 | 2,689 |
| Average equity | $23,758,000 | 2,859 |
| Average total loans | $168,055,500 | 2,393 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 4,308 |
| Cost of funding earning assets | 0.7029% | 1,088 |
| Net interest margin | 3.1488% | 5,076 |
| Noninterest income to average assets | 0.1308% | 6,040 |
| Noninterest expense to average assets | 2.2652% | 5,204 |
| Loan and lease loss provision to assets | 0.3462% | 558 |
| Net operating income to assets | 0.5882% | 4,433 |
| Return on assets (ROA) | 0.5882% | 4,507 |
| Pretax return on assets | 0.5882% | 4,980 |
| Return on Equity (ROE) | 5.4089% | 4,454 |
| Retained earnings to average equity (ytd only) | 5.4089% | 2,324 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7945% | 3,418 |
| Assets per employee ($millions) | 8.8829% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 1,081 |
| Loan loss allowance to noncurrent loans | 153.6305% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.0207% | 2,699 |
| Noncurrent loans to loans | 1.3130% | 2,245 |
| Net loans and leases to total assets | 76.1676% | 1,239 |
| Net loans and leases to deposits | 96.2823% | 886 |
| Net loans and leases to core deposits | 119.8649% | 415 |
| Total domestic deposits to total assets | 79.1087% | 5,231 |
| Equity capital to assets | 10.9856% | 2,910 |
| Core capital (leverage) ratio | 11.2213% | 2,200 |
| Tier 1 risk-based capital ratio | 13.3573% | 4,502 |
| Total risk-based capital ratio | 14.6170% | 4,425 |
| Memoranda: | ||
| Average total assets | $188,016,800 | 3,126 |
| Average earning assets | $183,245,000 | 2,998 |
| Average equity | $20,447,800 | 3,111 |
| Average total loans | $140,617,000 | 2,707 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8068% | 4,519 |
| Cost of funding earning assets | 0.6705% | 1,314 |
| Net interest margin | 3.1362% | 5,158 |
| Noninterest income to average assets | 0.1372% | 6,087 |
| Noninterest expense to average assets | 2.3405% | 4,996 |
| Loan and lease loss provision to assets | 0.3456% | 513 |
| Net operating income to assets | 0.5018% | 4,866 |
| Return on assets (ROA) | 0.5018% | 4,932 |
| Pretax return on assets | 0.5018% | 5,320 |
| Return on Equity (ROE) | 4.6282% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.6282% | 3,337 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4177% | 2,918 |
| Assets per employee ($millions) | 8.8385% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0334% | 1,201 |
| Loan loss allowance to noncurrent loans | 142.5417% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 2,870 |
| Noncurrent loans to loans | 1.4265% | 2,278 |
| Net loans and leases to total assets | 71.8413% | 1,879 |
| Net loans and leases to deposits | 90.6415% | 1,362 |
| Net loans and leases to core deposits | 114.5787% | 569 |
| Total domestic deposits to total assets | 79.2587% | 5,271 |
| Equity capital to assets | 10.8093% | 3,166 |
| Core capital (leverage) ratio | 12.0574% | 1,667 |
| Tier 1 risk-based capital ratio | 13.7795% | 4,368 |
| Total risk-based capital ratio | 15.0389% | 4,293 |
| Memoranda: | ||
| Average total assets | $181,723,750 | 3,218 |
| Average earning assets | $176,768,000 | 3,108 |
| Average equity | $19,704,750 | 3,198 |
| Average total loans | $134,340,250 | 2,798 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 4,126 |
| Cost of funding earning assets | 0.6801% | 1,308 |
| Net interest margin | 3.2223% | 4,863 |
| Noninterest income to average assets | 0.1375% | 6,132 |
| Noninterest expense to average assets | 2.4745% | 4,660 |
| Loan and lease loss provision to assets | 0.1643% | 1,499 |
| Net operating income to assets | 0.6411% | 4,149 |
| Return on assets (ROA) | 0.6411% | 4,249 |
| Pretax return on assets | 0.6411% | 4,814 |
| Return on Equity (ROE) | 5.9045% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.9045% | 2,378 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4442% | 2,737 |
| Assets per employee ($millions) | 7.3948% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0940% | 1,184 |
| Loan loss allowance to noncurrent loans | 125.2431% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2236% | 2,643 |
| Noncurrent loans to loans | 1.6719% | 2,074 |
| Net loans and leases to total assets | 71.6503% | 1,803 |
| Net loans and leases to deposits | 93.6961% | 985 |
| Net loans and leases to core deposits | 120.8610% | 355 |
| Total domestic deposits to total assets | 76.4710% | 5,861 |
| Equity capital to assets | 12.2351% | 1,831 |
| Core capital (leverage) ratio | 12.5548% | 1,368 |
| Tier 1 risk-based capital ratio | 15.5998% | 3,298 |
| Total risk-based capital ratio | 16.8595% | 3,239 |
| Memoranda: | ||
| Average total assets | $171,590,670 | 3,361 |
| Average earning assets | $167,334,670 | 3,227 |
| Average equity | $18,630,000 | 3,339 |
| Average total loans | $127,268,670 | 2,919 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6228% | 5,095 |
| Cost of funding earning assets | 0.6793% | 1,370 |
| Net interest margin | 2.9435% | 5,660 |
| Noninterest income to average assets | 0.1455% | 6,098 |
| Noninterest expense to average assets | 2.7548% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2595% | 5,630 |
| Return on assets (ROA) | 0.2595% | 5,671 |
| Pretax return on assets | 0.2595% | 5,806 |
| Return on Equity (ROE) | 2.5728% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.5728% | 4,527 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3918% | 919 |
| Assets per employee ($millions) | 6.2336% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1191% | 1,289 |
| Loan loss allowance to noncurrent loans | 55.3113% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 2.7885% | 1,070 |
| Noncurrent loans to loans | 3.8313% | 726 |
| Net loans and leases to total assets | 71.2388% | 1,689 |
| Net loans and leases to deposits | 90.7870% | 1,059 |
| Net loans and leases to core deposits | 122.4950% | 281 |
| Total domestic deposits to total assets | 78.4681% | 5,759 |
| Equity capital to assets | 9.5926% | 4,364 |
| Core capital (leverage) ratio | 10.2634% | 3,204 |
| Tier 1 risk-based capital ratio | 12.2233% | 5,491 |
| Total risk-based capital ratio | 13.4837% | 5,419 |
| Memoranda: | ||
| Average total assets | $164,951,000 | 3,485 |
| Average earning assets | $160,761,500 | 3,338 |
| Average equity | $16,635,500 | 3,598 |
| Average total loans | $123,256,500 | 3,004 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 4,163 |
| Cost of funding earning assets | 0.6274% | 2,409 |
| Net interest margin | 3.3494% | 4,485 |
| Noninterest income to average assets | 0.2730% | 5,403 |
| Noninterest expense to average assets | 2.5428% | 4,636 |
| Loan and lease loss provision to assets | 0.1871% | 1,971 |
| Net operating income to assets | 0.7867% | 3,362 |
| Return on assets (ROA) | 0.7867% | 3,463 |
| Pretax return on assets | 0.7867% | 4,200 |
| Return on Equity (ROE) | 6.6518% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.6518% | 1,595 |
| Net charge-offs to loans | -0.0019% | 5,844 |
| Credit loss provision to net charge-offs | -12,750.0000% | 6,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3080% | 3,416 |
| Assets per employee ($millions) | 6.7548% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 1,114 |
| Loan loss allowance to noncurrent loans | 54.1650% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 3.1990% | 959 |
| Noncurrent loans to loans | 4.1597% | 678 |
| Net loans and leases to total assets | 75.1720% | 1,200 |
| Net loans and leases to deposits | 87.0409% | 1,569 |
| Net loans and leases to core deposits | 104.3589% | 885 |
| Total domestic deposits to total assets | 86.3640% | 3,068 |
| Equity capital to assets | 10.6384% | 2,990 |
| Core capital (leverage) ratio | 11.8546% | 1,714 |
| Tier 1 risk-based capital ratio | 13.5525% | 4,612 |
| Total risk-based capital ratio | 14.8150% | 4,550 |
| Memoranda: | ||
| Average total assets | $136,265,600 | 3,949 |
| Average earning assets | $131,965,200 | 3,801 |
| Average equity | $16,116,000 | 3,681 |
| Average total loans | $106,468,200 | 3,315 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 3,878 |
| Cost of funding earning assets | 0.6516% | 2,349 |
| Net interest margin | 3.4143% | 4,231 |
| Noninterest income to average assets | 0.3022% | 5,279 |
| Noninterest expense to average assets | 2.6708% | 4,129 |
| Loan and lease loss provision to assets | 0.0659% | 3,742 |
| Net operating income to assets | 0.8649% | 3,018 |
| Return on assets (ROA) | 0.8649% | 3,128 |
| Pretax return on assets | 0.8649% | 4,026 |
| Return on Equity (ROE) | 7.1024% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.1024% | 1,828 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1554% | 3,038 |
| Assets per employee ($millions) | 6.1851% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3512% | 1,107 |
| Loan loss allowance to noncurrent loans | 49.1645% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 3.9165% | 805 |
| Noncurrent loans to loans | 4.7824% | 653 |
| Net loans and leases to total assets | 79.9674% | 550 |
| Net loans and leases to deposits | 95.3040% | 744 |
| Net loans and leases to core deposits | 119.6650% | 330 |
| Total domestic deposits to total assets | 83.9077% | 4,229 |
| Equity capital to assets | 12.5608% | 1,549 |
| Core capital (leverage) ratio | 12.9956% | 1,208 |
| Tier 1 risk-based capital ratio | 15.2960% | 3,569 |
| Total risk-based capital ratio | 16.5602% | 3,516 |
| Memoranda: | ||
| Average total assets | $131,491,750 | 4,077 |
| Average earning assets | $127,071,750 | 3,936 |
| Average equity | $16,013,000 | 3,740 |
| Average total loans | $103,215,250 | 3,402 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 3,955 |
| Cost of funding earning assets | 0.6735% | 2,275 |
| Net interest margin | 3.3677% | 4,311 |
| Noninterest income to average assets | 0.3257% | 5,095 |
| Noninterest expense to average assets | 2.7070% | 4,001 |
| Loan and lease loss provision to assets | 0.0985% | 3,146 |
| Net operating income to assets | 0.7847% | 3,378 |
| Return on assets (ROA) | 0.7847% | 3,542 |
| Pretax return on assets | 0.7847% | 4,369 |
| Return on Equity (ROE) | 6.5107% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.5107% | 2,136 |
| Net charge-offs to loans | -0.0666% | 6,369 |
| Credit loss provision to net charge-offs | -191.1765% | 5,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4008% | 2,877 |
| Assets per employee ($millions) | 6.0754% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4044% | 1,087 |
| Loan loss allowance to noncurrent loans | 48.4605% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 4.0985% | 840 |
| Noncurrent loans to loans | 4.9617% | 659 |
| Net loans and leases to total assets | 80.6167% | 476 |
| Net loans and leases to deposits | 96.1342% | 660 |
| Net loans and leases to core deposits | 121.8476% | 292 |
| Total domestic deposits to total assets | 83.8585% | 4,377 |
| Equity capital to assets | 12.6129% | 1,513 |
| Core capital (leverage) ratio | 12.2771% | 1,462 |
| Tier 1 risk-based capital ratio | 16.0404% | 3,165 |
| Total risk-based capital ratio | 17.3065% | 3,103 |
| Memoranda: | ||
| Average total assets | $132,026,330 | 4,101 |
| Average earning assets | $127,980,670 | 3,947 |
| Average equity | $15,912,330 | 3,780 |
| Average total loans | $102,164,000 | 3,433 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 3,961 |
| Cost of funding earning assets | 0.7011% | 2,194 |
| Net interest margin | 3.3363% | 4,374 |
| Noninterest income to average assets | 0.4201% | 4,311 |
| Noninterest expense to average assets | 2.5446% | 4,593 |
| Loan and lease loss provision to assets | 0.1877% | 1,962 |
| Net operating income to assets | 0.9207% | 2,564 |
| Return on assets (ROA) | 0.9207% | 2,707 |
| Pretax return on assets | 0.9207% | 3,686 |
| Return on Equity (ROE) | 7.8117% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.8117% | 1,822 |
| Net charge-offs to loans | -0.0676% | 6,262 |
| Credit loss provision to net charge-offs | -370.5882% | 5,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6574% | 4,026 |
| Assets per employee ($millions) | 6.7501% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5787% | 1,033 |
| Loan loss allowance to noncurrent loans | 47.6145% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.9126% | 1,041 |
| Noncurrent loans to loans | 5.4159% | 673 |
| Net loans and leases to total assets | 70.3795% | 1,599 |
| Net loans and leases to deposits | 82.9598% | 1,716 |
| Net loans and leases to core deposits | 101.0712% | 885 |
| Total domestic deposits to total assets | 84.8357% | 4,126 |
| Equity capital to assets | 11.8266% | 2,154 |
| Core capital (leverage) ratio | 11.7658% | 1,697 |
| Tier 1 risk-based capital ratio | 16.6564% | 2,923 |
| Total risk-based capital ratio | 17.9241% | 2,886 |
| Memoranda: | ||
| Average total assets | $134,247,500 | 4,098 |
| Average earning assets | $130,084,000 | 3,937 |
| Average equity | $15,822,500 | 3,846 |
| Average total loans | $100,552,000 | 3,488 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 4,580 |
| Cost of funding earning assets | 0.7648% | 2,967 |
| Net interest margin | 3.4404% | 4,739 |
| Noninterest income to average assets | 0.3745% | 4,801 |
| Noninterest expense to average assets | 3.2698% | 2,425 |
| Loan and lease loss provision to assets | 0.4728% | 1,309 |
| Net operating income to assets | -0.0459% | 6,233 |
| Return on assets (ROA) | 0.0580% | 6,222 |
| Pretax return on assets | 0.0580% | 6,215 |
| Return on Equity (ROE) | 0.5202% | 6,215 |
| Retained earnings to average equity (ytd only) | 0.5202% | 5,588 |
| Net charge-offs to loans | 0.3422% | 2,924 |
| Credit loss provision to net charge-offs | 193.0921% | 1,355 |
| Earnings coverage of net charge-offs (x) | 1.7434% | 4,562 |
| Efficiency ratio | 88.4532% | 1,199 |
| Assets per employee ($millions) | 6.3569% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3509% | 1,306 |
| Loan loss allowance to noncurrent loans | 74.2604% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.4563% | 1,993 |
| Noncurrent loans to loans | 3.1658% | 1,629 |
| Net loans and leases to total assets | 75.7645% | 952 |
| Net loans and leases to deposits | 89.3985% | 1,128 |
| Net loans and leases to core deposits | 107.1352% | 646 |
| Total domestic deposits to total assets | 84.7491% | 3,966 |
| Equity capital to assets | 11.7451% | 2,230 |
| Core capital (leverage) ratio | 12.2604% | 1,422 |
| Tier 1 risk-based capital ratio | 16.2579% | 3,022 |
| Total risk-based capital ratio | 17.5242% | 2,969 |
| Memoranda: | ||
| Average total assets | $124,166,400 | 4,268 |
| Average earning assets | $119,897,200 | 4,110 |
| Average equity | $13,839,600 | 4,197 |
| Average total loans | $88,832,400 | 3,773 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 4,966 |
| Cost of funding earning assets | 0.7834% | 3,084 |
| Net interest margin | 3.3717% | 5,133 |
| Noninterest income to average assets | 0.4049% | 4,598 |
| Noninterest expense to average assets | 3.4385% | 1,902 |
| Loan and lease loss provision to assets | 0.4979% | 1,231 |
| Net operating income to assets | -0.2769% | 6,555 |
| Return on assets (ROA) | -0.2659% | 6,612 |
| Pretax return on assets | -0.2659% | 6,580 |
| Return on Equity (ROE) | -2.4215% | 6,598 |
| Retained earnings to average equity (ytd only) | -2.4215% | 6,440 |
| Net charge-offs to loans | 0.4760% | 2,191 |
| Credit loss provision to net charge-offs | 149.6711% | 1,890 |
| Earnings coverage of net charge-offs (x) | 0.6645% | 4,993 |
| Efficiency ratio | 93.9593% | 776 |
| Assets per employee ($millions) | 5.4179% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4505% | 1,268 |
| Loan loss allowance to noncurrent loans | 129.1643% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4309% | 3,460 |
| Noncurrent loans to loans | 1.8972% | 2,968 |
| Net loans and leases to total assets | 73.5722% | 1,309 |
| Net loans and leases to deposits | 87.7017% | 1,387 |
| Net loans and leases to core deposits | 108.4663% | 634 |
| Total domestic deposits to total assets | 83.8891% | 4,274 |
| Equity capital to assets | 12.3625% | 1,989 |
| Core capital (leverage) ratio | 12.2504% | 1,514 |
| Tier 1 risk-based capital ratio | 16.4142% | 3,051 |
| Total risk-based capital ratio | 17.6801% | 3,007 |
| Memoranda: | ||
| Average total assets | $121,834,500 | 4,354 |
| Average earning assets | $117,603,750 | 4,207 |
| Average equity | $13,379,750 | 4,323 |
| Average total loans | $85,146,500 | 3,913 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 5,028 |
| Cost of funding earning assets | 0.7989% | 3,198 |
| Net interest margin | 3.3806% | 5,160 |
| Noninterest income to average assets | 0.4135% | 4,553 |
| Noninterest expense to average assets | 3.7466% | 1,299 |
| Loan and lease loss provision to assets | 0.4615% | 1,385 |
| Net operating income to assets | -0.5326% | 6,751 |
| Return on assets (ROA) | -0.5326% | 6,783 |
| Pretax return on assets | -0.5326% | 6,753 |
| Return on Equity (ROE) | -5.0690% | 6,772 |
| Retained earnings to average equity (ytd only) | -5.0690% | 6,623 |
| Net charge-offs to loans | 0.7396% | 1,494 |
| Credit loss provision to net charge-offs | 91.7763% | 2,983 |
| Earnings coverage of net charge-offs (x) | -0.1414% | 5,144 |
| Efficiency ratio | 101.9352% | 500 |
| Assets per employee ($millions) | 5.0192% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6806% | 1,063 |
| Loan loss allowance to noncurrent loans | 44.2020% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 3.8349% | 1,351 |
| Noncurrent loans to loans | 6.0645% | 720 |
| Net loans and leases to total assets | 61.5397% | 3,524 |
| Net loans and leases to deposits | 71.3804% | 3,704 |
| Net loans and leases to core deposits | 85.5737% | 2,483 |
| Total domestic deposits to total assets | 86.2137% | 3,241 |
| Equity capital to assets | 10.0709% | 4,229 |
| Core capital (leverage) ratio | 10.3903% | 2,930 |
| Tier 1 risk-based capital ratio | 15.6689% | 3,348 |
| Total risk-based capital ratio | 16.9364% | 3,303 |
| Memoranda: | ||
| Average total assets | $120,909,000 | 4,400 |
| Average earning assets | $116,666,330 | 4,248 |
| Average equity | $12,704,670 | 4,456 |
| Average total loans | $82,201,330 | 4,033 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 4,461 |
| Cost of funding earning assets | 0.8497% | 3,068 |
| Net interest margin | 3.5142% | 4,623 |
| Noninterest income to average assets | 0.6373% | 3,008 |
| Noninterest expense to average assets | 4.0060% | 930 |
| Loan and lease loss provision to assets | 0.9408% | 458 |
| Net operating income to assets | -0.9206% | 6,987 |
| Return on assets (ROA) | -0.9206% | 7,000 |
| Pretax return on assets | -0.9206% | 6,958 |
| Return on Equity (ROE) | -8.5724% | 6,962 |
| Retained earnings to average equity (ytd only) | -8.5724% | 6,787 |
| Net charge-offs to loans | 1.4540% | 689 |
| Credit loss provision to net charge-offs | 91.7763% | 2,515 |
| Earnings coverage of net charge-offs (x) | 0.0197% | 4,358 |
| Efficiency ratio | 99.4975% | 569 |
| Assets per employee ($millions) | 4.3090% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5652% | 1,270 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 3.5258% | 1,624 |
| Noncurrent loans to loans | 5.1304% | 1,078 |
| Net loans and leases to total assets | 66.9615% | 2,293 |
| Net loans and leases to deposits | 77.9655% | 2,514 |
| Net loans and leases to core deposits | 87.8937% | 2,064 |
| Total domestic deposits to total assets | 85.8860% | 3,602 |
| Equity capital to assets | 10.4108% | 3,607 |
| Core capital (leverage) ratio | 10.3041% | 2,988 |
| Tier 1 risk-based capital ratio | 16.1722% | 3,087 |
| Total risk-based capital ratio | 17.4409% | 3,038 |
| Memoranda: | ||
| Average total assets | $118,623,500 | 4,483 |
| Average earning assets | $114,391,500 | 4,325 |
| Average equity | $12,738,500 | 4,456 |
| Average total loans | $83,628,500 | 4,022 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 4,366 |
| Cost of funding earning assets | 0.9161% | 3,998 |
| Net interest margin | 3.7564% | 4,045 |
| Noninterest income to average assets | 2.0158% | 373 |
| Noninterest expense to average assets | 4.2533% | 758 |
| Loan and lease loss provision to assets | 0.8740% | 1,112 |
| Net operating income to assets | 0.5035% | 4,413 |
| Return on assets (ROA) | 0.5836% | 4,260 |
| Pretax return on assets | 0.5836% | 4,737 |
| Return on Equity (ROE) | 4.9316% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.9316% | 2,692 |
| Net charge-offs to loans | 0.4405% | 3,232 |
| Credit loss provision to net charge-offs | 280.0604% | 845 |
| Earnings coverage of net charge-offs (x) | 4.4139% | 3,122 |
| Efficiency ratio | 75.5358% | 2,968 |
| Assets per employee ($millions) | 4.1641% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5516% | 1,245 |
| Loan loss allowance to noncurrent loans | 124.8260% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 3,738 |
| Noncurrent loans to loans | 2.0441% | 3,149 |
| Net loans and leases to total assets | 70.4899% | 1,933 |
| Net loans and leases to deposits | 82.8623% | 2,086 |
| Net loans and leases to core deposits | 93.7694% | 1,720 |
| Total domestic deposits to total assets | 85.0687% | 3,808 |
| Equity capital to assets | 11.0778% | 2,916 |
| Core capital (leverage) ratio | 11.4862% | 1,899 |
| Tier 1 risk-based capital ratio | 15.5906% | 3,273 |
| Total risk-based capital ratio | 16.8574% | 3,219 |
| Memoranda: | ||
| Average total assets | $106,059,800 | 4,729 |
| Average earning assets | $102,066,600 | 4,584 |
| Average equity | $12,551,600 | 4,429 |
| Average total loans | $75,149,000 | 4,307 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 4,578 |
| Cost of funding earning assets | 0.9127% | 4,320 |
| Net interest margin | 3.7605% | 4,058 |
| Noninterest income to average assets | 2.1168% | 351 |
| Noninterest expense to average assets | 4.2490% | 753 |
| Loan and lease loss provision to assets | 1.0816% | 767 |
| Net operating income to assets | 0.4035% | 4,983 |
| Return on assets (ROA) | 0.4112% | 5,139 |
| Pretax return on assets | 0.4112% | 5,431 |
| Return on Equity (ROE) | 3.4133% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.4133% | 4,306 |
| Net charge-offs to loans | 0.6058% | 2,435 |
| Credit loss provision to net charge-offs | 253.4743% | 1,131 |
| Earnings coverage of net charge-offs (x) | 3.4804% | 3,424 |
| Efficiency ratio | 74.1007% | 3,158 |
| Assets per employee ($millions) | 4.3408% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6842% | 1,147 |
| Loan loss allowance to noncurrent loans | 94.1176% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 2.0208% | 3,117 |
| Noncurrent loans to loans | 2.8520% | 2,441 |
| Net loans and leases to total assets | 68.9544% | 2,287 |
| Net loans and leases to deposits | 82.0378% | 2,349 |
| Net loans and leases to core deposits | 94.2455% | 1,770 |
| Total domestic deposits to total assets | 84.0519% | 4,202 |
| Equity capital to assets | 11.7028% | 2,489 |
| Core capital (leverage) ratio | 11.7610% | 1,848 |
| Tier 1 risk-based capital ratio | 16.9702% | 2,654 |
| Total risk-based capital ratio | 18.2396% | 2,609 |
| Memoranda: | ||
| Average total assets | $103,426,250 | 4,832 |
| Average earning assets | $99,487,000 | 4,683 |
| Average equity | $12,460,500 | 4,457 |
| Average total loans | $72,851,500 | 4,427 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 4,579 |
| Cost of funding earning assets | 0.8993% | 4,676 |
| Net interest margin | 3.7894% | 3,837 |
| Noninterest income to average assets | 2.4300% | 281 |
| Noninterest expense to average assets | 4.1975% | 835 |
| Loan and lease loss provision to assets | 1.5020% | 473 |
| Net operating income to assets | 0.3755% | 5,052 |
| Return on assets (ROA) | 0.3834% | 5,165 |
| Pretax return on assets | 0.3834% | 5,446 |
| Return on Equity (ROE) | 3.1501% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.1501% | 4,268 |
| Net charge-offs to loans | 0.6657% | 2,171 |
| Credit loss provision to net charge-offs | 321.0084% | 945 |
| Earnings coverage of net charge-offs (x) | 4.0126% | 2,993 |
| Efficiency ratio | 69.0939% | 4,306 |
| Assets per employee ($millions) | 3.9898% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7354% | 1,142 |
| Loan loss allowance to noncurrent loans | 101.0680% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 1.9858% | 3,252 |
| Noncurrent loans to loans | 2.7065% | 2,688 |
| Net loans and leases to total assets | 71.3665% | 1,913 |
| Net loans and leases to deposits | 85.4123% | 1,873 |
| Net loans and leases to core deposits | 96.9729% | 1,585 |
| Total domestic deposits to total assets | 83.5552% | 4,528 |
| Equity capital to assets | 12.0615% | 2,052 |
| Core capital (leverage) ratio | 12.0244% | 1,581 |
| Tier 1 risk-based capital ratio | 18.8735% | 1,881 |
| Total risk-based capital ratio | 20.1473% | 1,838 |
| Memoranda: | ||
| Average total assets | $101,728,000 | 4,908 |
| Average earning assets | $97,852,000 | 4,765 |
| Average equity | $12,380,670 | 4,456 |
| Average total loans | $71,504,000 | 4,518 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 4,938 |
| Cost of funding earning assets | 0.8296% | 5,396 |
| Net interest margin | 3.7724% | 3,750 |
| Noninterest income to average assets | 3.3557% | 190 |
| Noninterest expense to average assets | 4.6305% | 520 |
| Loan and lease loss provision to assets | 1.6441% | 369 |
| Net operating income to assets | 0.7108% | 3,473 |
| Return on assets (ROA) | 0.7188% | 3,498 |
| Pretax return on assets | 0.7188% | 4,227 |
| Return on Equity (ROE) | 5.8790% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.8790% | 2,710 |
| Net charge-offs to loans | 1.3642% | 1,014 |
| Credit loss provision to net charge-offs | 175.4237% | 1,666 |
| Earnings coverage of net charge-offs (x) | 2.5127% | 3,074 |
| Efficiency ratio | 66.2877% | 4,987 |
| Assets per employee ($millions) | 3.8802% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4799% | 1,488 |
| Loan loss allowance to noncurrent loans | 903.1250% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 6,679 |
| Noncurrent loans to loans | 0.2746% | 6,442 |
| Net loans and leases to total assets | 67.5898% | 2,637 |
| Net loans and leases to deposits | 81.2884% | 2,481 |
| Net loans and leases to core deposits | 92.7148% | 2,050 |
| Total domestic deposits to total assets | 83.1481% | 4,876 |
| Equity capital to assets | 12.3011% | 1,737 |
| Core capital (leverage) ratio | 12.4781% | 1,333 |
| Tier 1 risk-based capital ratio | 19.8529% | 1,615 |
| Total risk-based capital ratio | 21.1224% | 1,579 |
| Memoranda: | ||
| Average total assets | $100,724,500 | 4,989 |
| Average earning assets | $96,913,500 | 4,826 |
| Average equity | $12,315,000 | 4,479 |
| Average total loans | $69,199,000 | 4,641 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 6,519 |
| Cost of funding earning assets | 1.1290% | 4,972 |
| Net interest margin | 3.3202% | 5,907 |
| Noninterest income to average assets | 0.7434% | 2,573 |
| Noninterest expense to average assets | 3.9246% | 1,271 |
| Loan and lease loss provision to assets | 0.0852% | 6,298 |
| Net operating income to assets | -0.0873% | 5,974 |
| Return on assets (ROA) | 0.0916% | 5,746 |
| Pretax return on assets | 0.0916% | 5,717 |
| Return on Equity (ROE) | 0.7285% | 5,772 |
| Retained earnings to average equity (ytd only) | 0.7285% | 5,194 |
| Net charge-offs to loans | 0.5876% | 3,272 |
| Credit loss provision to net charge-offs | 23.3236% | 6,536 |
| Earnings coverage of net charge-offs (x) | -0.0058% | 6,132 |
| Efficiency ratio | 100.0543% | 772 |
| Assets per employee ($millions) | 4.0226% | 3,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2723% | 1,739 |
| Loan loss allowance to noncurrent loans | 832.0856% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 6,764 |
| Noncurrent loans to loans | 0.2731% | 6,517 |
| Net loans and leases to total assets | 66.5447% | 3,342 |
| Net loans and leases to deposits | 83.7987% | 2,484 |
| Net loans and leases to core deposits | 99.0410% | 1,697 |
| Total domestic deposits to total assets | 79.4101% | 5,991 |
| Equity capital to assets | 12.1515% | 1,827 |
| Core capital (leverage) ratio | 12.6226% | 1,265 |
| Tier 1 risk-based capital ratio | 18.9919% | 1,724 |
| Total risk-based capital ratio | 20.2567% | 1,688 |
| Memoranda: | ||
| Average total assets | $93,896,000 | 5,162 |
| Average earning assets | $89,904,600 | 5,021 |
| Average equity | $11,804,800 | 4,670 |
| Average total loans | $58,375,800 | 5,138 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 6,775 |
| Cost of funding earning assets | 1.2280% | 4,697 |
| Net interest margin | 3.1970% | 6,352 |
| Noninterest income to average assets | 0.7662% | 2,413 |
| Noninterest expense to average assets | 3.9032% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0810% | 6,161 |
| Return on assets (ROA) | 0.1041% | 5,910 |
| Pretax return on assets | 0.1041% | 5,905 |
| Return on Equity (ROE) | 0.8204% | 5,942 |
| Retained earnings to average equity (ytd only) | 0.8204% | 5,483 |
| Net charge-offs to loans | 0.8069% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -0.1657% | 6,156 |
| Efficiency ratio | 102.1180% | 684 |
| Assets per employee ($millions) | 4.4781% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3935% | 1,483 |
| Loan loss allowance to noncurrent loans | 718.4466% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 6,844 |
| Noncurrent loans to loans | 0.3332% | 6,525 |
| Net loans and leases to total assets | 61.2613% | 4,672 |
| Net loans and leases to deposits | 75.7655% | 4,221 |
| Net loans and leases to core deposits | 83.0796% | 4,080 |
| Total domestic deposits to total assets | 80.8565% | 5,427 |
| Equity capital to assets | 12.5093% | 1,855 |
| Core capital (leverage) ratio | 13.3093% | 1,115 |
| Tier 1 risk-based capital ratio | 21.5930% | 1,267 |
| Total risk-based capital ratio | 22.8601% | 1,246 |
| Memoranda: | ||
| Average total assets | $92,229,000 | 5,283 |
| Average earning assets | $88,163,750 | 5,139 |
| Average equity | $11,701,000 | 4,765 |
| Average total loans | $55,850,750 | 5,312 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 6,824 |
| Cost of funding earning assets | 1.3028% | 4,517 |
| Net interest margin | 3.1352% | 6,507 |
| Noninterest income to average assets | 0.3173% | 5,620 |
| Noninterest expense to average assets | 3.8721% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.5592% | 6,708 |
| Return on assets (ROA) | -0.2752% | 6,492 |
| Pretax return on assets | -0.2752% | 6,398 |
| Return on Equity (ROE) | -2.1578% | 6,431 |
| Retained earnings to average equity (ytd only) | -2.1578% | 6,170 |
| Net charge-offs to loans | 0.1225% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -7.6364% | 6,308 |
| Efficiency ratio | 116.8788% | 452 |
| Assets per employee ($millions) | 3.9423% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2104% | 694 |
| Loan loss allowance to noncurrent loans | 131.1536% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 1.5692% | 4,105 |
| Noncurrent loans to loans | 2.4478% | 3,199 |
| Net loans and leases to total assets | 62.0500% | 4,675 |
| Net loans and leases to deposits | 77.1180% | 4,141 |
| Net loans and leases to core deposits | 80.2469% | 4,669 |
| Total domestic deposits to total assets | 80.4612% | 5,572 |
| Equity capital to assets | 13.9790% | 1,162 |
| Core capital (leverage) ratio | 13.3419% | 1,102 |
| Tier 1 risk-based capital ratio | 22.8604% | 1,082 |
| Total risk-based capital ratio | 24.1368% | 1,059 |
| Memoranda: | ||
| Average total assets | $90,132,330 | 5,383 |
| Average earning assets | $86,119,000 | 5,231 |
| Average equity | $11,493,330 | 4,805 |
| Average total loans | $53,856,330 | 5,431 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 7,125 |
| Cost of funding earning assets | 1.2966% | 4,835 |
| Net interest margin | 3.0087% | 6,815 |
| Noninterest income to average assets | 0.0436% | 7,493 |
| Noninterest expense to average assets | 3.5499% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6359% | 6,923 |
| Return on assets (ROA) | -0.6359% | 6,951 |
| Pretax return on assets | -0.6359% | 6,863 |
| Return on Equity (ROE) | -5.2245% | 6,893 |
| Retained earnings to average equity (ytd only) | -5.2245% | 6,599 |
| Net charge-offs to loans | 0.2567% | 3,398 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -4.2941% | 5,521 |
| Efficiency ratio | 121.8236% | 423 |
| Assets per employee ($millions) | 4.7362% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5038% | 547 |
| Loan loss allowance to noncurrent loans | 178.5000% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0557% | 5,032 |
| Noncurrent loans to loans | 1.9629% | 3,841 |
| Net loans and leases to total assets | 51.8976% | 6,283 |
| Net loans and leases to deposits | 62.7829% | 6,197 |
| Net loans and leases to core deposits | 72.2066% | 5,690 |
| Total domestic deposits to total assets | 82.6621% | 4,773 |
| Equity capital to assets | 12.7276% | 1,634 |
| Core capital (leverage) ratio | 13.0489% | 1,198 |
| Tier 1 risk-based capital ratio | 20.6824% | 1,394 |
| Total risk-based capital ratio | 21.9277% | 1,371 |
| Memoranda: | ||
| Average total assets | $91,833,500 | 5,391 |
| Average earning assets | $87,612,000 | 5,251 |
| Average equity | $11,178,000 | 4,928 |
| Average total loans | $52,984,000 | 5,537 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 7,254 |
| Cost of funding earning assets | 2.0196% | 2,873 |
| Net interest margin | 2.6057% | 7,330 |
| Noninterest income to average assets | 0.1834% | 6,777 |
| Noninterest expense to average assets | 3.8677% | 1,557 |
| Loan and lease loss provision to assets | 1.1448% | 1,990 |
| Net operating income to assets | -2.3240% | 7,207 |
| Return on assets (ROA) | -2.1973% | 7,164 |
| Pretax return on assets | -2.1973% | 7,018 |
| Return on Equity (ROE) | -17.8176% | 7,071 |
| Retained earnings to average equity (ytd only) | -17.8176% | 7,024 |
| Net charge-offs to loans | 0.9182% | 2,551 |
| Credit loss provision to net charge-offs | 210.2041% | 1,826 |
| Earnings coverage of net charge-offs (x) | -2.1653% | 7,009 |
| Efficiency ratio | 143.8611% | 354 |
| Assets per employee ($millions) | 4.4472% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3058% | 604 |
| Loan loss allowance to noncurrent loans | 153.7616% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 4,436 |
| Noncurrent loans to loans | 2.1500% | 3,453 |
| Net loans and leases to total assets | 59.8185% | 5,366 |
| Net loans and leases to deposits | 71.4852% | 5,404 |
| Net loans and leases to core deposits | 90.8881% | 5,035 |
| Total domestic deposits to total assets | 83.6796% | 4,186 |
| Equity capital to assets | 11.5803% | 2,260 |
| Core capital (leverage) ratio | 11.2916% | 2,047 |
| Tier 1 risk-based capital ratio | 17.5319% | 2,013 |
| Total risk-based capital ratio | 18.8047% | 1,974 |
| Memoranda: | ||
| Average total assets | $89,975,800 | 5,392 |
| Average earning assets | $86,502,800 | 5,243 |
| Average equity | $11,095,800 | 4,998 |
| Average total loans | $53,362,600 | 5,533 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 7,524 |
| Cost of funding earning assets | 2.1490% | 2,654 |
| Net interest margin | 2.3360% | 7,612 |
| Noninterest income to average assets | 0.0473% | 7,664 |
| Noninterest expense to average assets | 3.9112% | 1,410 |
| Loan and lease loss provision to assets | 1.5219% | 1,255 |
| Net operating income to assets | -3.1340% | 7,621 |
| Return on assets (ROA) | -2.9656% | 7,583 |
| Pretax return on assets | -2.9656% | 7,492 |
| Return on Equity (ROE) | -23.6918% | 7,478 |
| Retained earnings to average equity (ytd only) | -23.6918% | 7,453 |
| Net charge-offs to loans | 1.2339% | 1,656 |
| Credit loss provision to net charge-offs | 210.2041% | 2,094 |
| Earnings coverage of net charge-offs (x) | -2.2265% | 6,762 |
| Efficiency ratio | 170.1157% | 238 |
| Assets per employee ($millions) | 5.2342% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2208% | 550 |
| Loan loss allowance to noncurrent loans | 74.3056% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 2.5983% | 2,678 |
| Noncurrent loans to loans | 4.3346% | 1,646 |
| Net loans and leases to total assets | 58.0131% | 5,889 |
| Net loans and leases to deposits | 69.7511% | 5,947 |
| Net loans and leases to core deposits | 96.5075% | 4,752 |
| Total domestic deposits to total assets | 83.1715% | 4,135 |
| Equity capital to assets | 10.9590% | 3,052 |
| Core capital (leverage) ratio | 10.6585% | 2,658 |
| Tier 1 risk-based capital ratio | 16.1905% | 2,560 |
| Total risk-based capital ratio | 17.4614% | 2,489 |
| Memoranda: | ||
| Average total assets | $90,233,750 | 5,419 |
| Average earning assets | $86,985,000 | 5,266 |
| Average equity | $11,294,750 | 4,985 |
| Average total loans | $52,947,250 | 5,601 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5731% | 7,561 |
| Cost of funding earning assets | 2.2550% | 2,553 |
| Net interest margin | 2.3181% | 7,669 |
| Noninterest income to average assets | 0.0562% | 7,710 |
| Noninterest expense to average assets | 3.8962% | 1,497 |
| Loan and lease loss provision to assets | 1.8491% | 887 |
| Net operating income to assets | -3.4576% | 7,761 |
| Return on assets (ROA) | -3.2011% | 7,712 |
| Pretax return on assets | -3.2011% | 7,612 |
| Return on Equity (ROE) | -24.4965% | 7,618 |
| Retained earnings to average equity (ytd only) | -24.4965% | 7,583 |
| Net charge-offs to loans | 1.8930% | 993 |
| Credit loss provision to net charge-offs | 167.7551% | 2,741 |
| Earnings coverage of net charge-offs (x) | -1.4592% | 6,307 |
| Efficiency ratio | 170.3048% | 286 |
| Assets per employee ($millions) | 4.0100% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8075% | 675 |
| Loan loss allowance to noncurrent loans | 92.0571% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.8184% | 3,451 |
| Noncurrent loans to loans | 3.0498% | 2,357 |
| Net loans and leases to total assets | 57.9495% | 5,970 |
| Net loans and leases to deposits | 69.7482% | 6,012 |
| Net loans and leases to core deposits | 104.7973% | 3,980 |
| Total domestic deposits to total assets | 83.0838% | 4,201 |
| Equity capital to assets | 11.2740% | 2,697 |
| Core capital (leverage) ratio | 11.4701% | 2,103 |
| Tier 1 risk-based capital ratio | 16.7486% | 2,382 |
| Total risk-based capital ratio | 18.0141% | 2,322 |
| Memoranda: | ||
| Average total assets | $88,906,670 | 5,499 |
| Average earning assets | $85,586,670 | 5,354 |
| Average equity | $11,618,000 | 4,912 |
| Average total loans | $51,771,000 | 5,687 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 7,460 |
| Cost of funding earning assets | 2.3508% | 2,504 |
| Net interest margin | 2.3800% | 7,641 |
| Noninterest income to average assets | 0.0610% | 7,764 |
| Noninterest expense to average assets | 3.8855% | 1,324 |
| Loan and lease loss provision to assets | 2.0413% | 588 |
| Net operating income to assets | -3.5664% | 7,929 |
| Return on assets (ROA) | -3.3928% | 7,902 |
| Pretax return on assets | -3.3928% | 7,822 |
| Return on Equity (ROE) | -24.0960% | 7,829 |
| Retained earnings to average equity (ytd only) | -24.0960% | 7,749 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.6123% | 287 |
| Assets per employee ($millions) | 3.7912% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3623% | 352 |
| Loan loss allowance to noncurrent loans | 392.2197% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 6,048 |
| Noncurrent loans to loans | 0.8572% | 5,305 |
| Net loans and leases to total assets | 54.1417% | 6,449 |
| Net loans and leases to deposits | 66.7964% | 6,303 |
| Net loans and leases to core deposits | 131.1896% | 1,589 |
| Total domestic deposits to total assets | 81.0549% | 4,947 |
| Equity capital to assets | 12.8532% | 1,805 |
| Core capital (leverage) ratio | 13.0847% | 1,455 |
| Tier 1 risk-based capital ratio | 19.5932% | 1,699 |
| Total risk-based capital ratio | 20.8651% | 1,646 |
| Memoranda: | ||
| Average total assets | $85,240,500 | 5,637 |
| Average earning assets | $82,354,000 | 5,476 |
| Average equity | $12,002,000 | 4,834 |
| Average total loans | $48,966,000 | 5,843 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 7,800 |
| Cost of funding earning assets | 2.2064% | 5,570 |
| Net interest margin | 2.8503% | 7,255 |
| Noninterest income to average assets | 0.1000% | 7,634 |
| Noninterest expense to average assets | 5.4109% | 523 |
| Loan and lease loss provision to assets | 1.5879% | 830 |
| Net operating income to assets | -4.1786% | 8,011 |
| Return on assets (ROA) | -3.9525% | 7,966 |
| Pretax return on assets | -3.9525% | 7,886 |
| Return on Equity (ROE) | -18.0005% | 7,712 |
| Retained earnings to average equity (ytd only) | -18.0005% | 7,621 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.8652% | 213 |
| Assets per employee ($millions) | 3.7853% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7239% | 554 |
| Loan loss allowance to noncurrent loans | 292.6773% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5497% | 5,531 |
| Noncurrent loans to loans | 0.9307% | 4,751 |
| Net loans and leases to total assets | 57.4599% | 6,276 |
| Net loans and leases to deposits | 73.9836% | 5,849 |
| Net loans and leases to core deposits | 141.9391% | 1,161 |
| Total domestic deposits to total assets | 77.6657% | 5,818 |
| Equity capital to assets | 15.4846% | 1,052 |
| Core capital (leverage) ratio | 16.5892% | 748 |
| Tier 1 risk-based capital ratio | 22.8298% | 1,214 |
| Total risk-based capital ratio | 24.0945% | 1,184 |
| Memoranda: | ||
| Average total assets | $61,025,200 | 6,353 |
| Average earning assets | $58,239,200 | 6,254 |
| Average equity | $13,399,600 | 4,476 |
| Average total loans | $33,677,200 | 6,504 |