Home > Partners Bank of California > Performance and Condition Ratios
Partners Bank of California, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 1,721 |
| Cost of funding earning assets | 1.4544% | 2,065 |
| Net interest margin | 3.7152% | 1,731 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.3118% | 2,822 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.9678% | 2,314 |
| Return on assets (ROA) | 0.9678% | 2,298 |
| Pretax return on assets | 1.3908% | 1,658 |
| Return on Equity (ROE) | 9.5000% | 2,637 |
| Retained earnings to average equity (ytd only) | 9.4975% | 1,134 |
| Net charge-offs to loans | -0.0013% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.0218% | 2,966 |
| Assets per employee ($millions) | 11.3396% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9708% | 397 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.5200% | 696 |
| Net loans and leases to deposits | 95.9019% | 796 |
| Net loans and leases to core deposits | 105.7270% | 1,127 |
| Total domestic deposits to total assets | 82.9100% | 2,914 |
| Equity capital to assets | 10.3308% | 1,828 |
| Core capital (leverage) ratio | 10.7710% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2935% | 1,763 |
| Memoranda: | ||
| Average total assets | $468,068,800 | 1,800 |
| Average earning assets | $455,643,000 | 1,744 |
| Average equity | $47,696,800 | 1,661 |
| Average total loans | $388,766,600 | 1,506 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 112,423.0000% | 12 |
| Cost of funding earning assets | 95.0000% | 24 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.9404% | 2,533 |
| Pretax return on assets | 1.3483% | 1,901 |
| Return on Equity (ROE) | 9.2600% | 2,861 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 5.4619% | 4,587 |
| Assets per employee ($millions) | 0.5280% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 26,504.0000% | 4 |
| Equity capital to assets | 3,027.0000% | 37 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $10,176,000 | 4,588 |
| Average earning assets | $6,919 | 4,599 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 1,668 |
| Cost of funding earning assets | 1.1435% | 2,154 |
| Net interest margin | 3.8006% | 1,625 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 2.4585% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9200% | 2,689 |
| Return on assets (ROA) | 0.9200% | 2,672 |
| Pretax return on assets | 1.3230% | 2,009 |
| Return on Equity (ROE) | 9.2200% | 2,924 |
| Retained earnings to average equity (ytd only) | 9.2206% | 1,623 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.0136% | 2,375 |
| Assets per employee ($millions) | 10.3268% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 459 |
| Loan loss allowance to noncurrent loans | 3,004.8387% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 3,244 |
| Noncurrent loans to loans | 0.0648% | 3,241 |
| Net loans and leases to total assets | 80.7200% | 555 |
| Net loans and leases to deposits | 103.0362% | 397 |
| Net loans and leases to core deposits | 114.9656% | 656 |
| Total domestic deposits to total assets | 78.3400% | 3,806 |
| Equity capital to assets | 10.2420% | 1,720 |
| Core capital (leverage) ratio | 10.9690% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8018% | 1,983 |
| Memoranda: | ||
| Average total assets | $465,008,333 | 1,814 |
| Average earning assets | $451,929,000 | 1,751 |
| Average equity | $46,396,000 | 1,685 |
| Average total loans | $388,268,667 | 1,484 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1054% | 1,465 |
| Cost of funding earning assets | 0.2811% | 3,034 |
| Net interest margin | 3.8243% | 1,108 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.4098% | 2,398 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.8470% | 3,167 |
| Return on assets (ROA) | 0.8470% | 3,096 |
| Pretax return on assets | 1.2080% | 2,410 |
| Return on Equity (ROE) | 8.2600% | 3,317 |
| Retained earnings to average equity (ytd only) | 8.2579% | 1,733 |
| Net charge-offs to loans | -0.0058% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6662% | 2,542 |
| Assets per employee ($millions) | 9.8426% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 536 |
| Loan loss allowance to noncurrent loans | 4,017.1123% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,404 |
| Noncurrent loans to loans | 0.0474% | 3,414 |
| Net loans and leases to total assets | 81.9800% | 408 |
| Net loans and leases to deposits | 106.3866% | 234 |
| Net loans and leases to core deposits | 111.5718% | 556 |
| Total domestic deposits to total assets | 77.0600% | 4,164 |
| Equity capital to assets | 9.5624% | 1,962 |
| Core capital (leverage) ratio | 10.9831% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8831% | 2,423 |
| Memoranda: | ||
| Average total assets | $418,539,200 | 1,963 |
| Average earning assets | $404,179,400 | 1,901 |
| Average equity | $42,928,600 | 1,826 |
| Average total loans | $346,655,800 | 1,557 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 1,308 |
| Cost of funding earning assets | 0.2205% | 3,031 |
| Net interest margin | 3.7583% | 1,019 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.4756% | 2,081 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.7739% | 3,342 |
| Return on assets (ROA) | 0.7739% | 3,296 |
| Pretax return on assets | 1.1129% | 2,681 |
| Return on Equity (ROE) | 7.4000% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.3987% | 2,232 |
| Net charge-offs to loans | -0.0080% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.5457% | 2,210 |
| Assets per employee ($millions) | 9.2106% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 535 |
| Loan loss allowance to noncurrent loans | 1,384.2610% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 2,760 |
| Noncurrent loans to loans | 0.1415% | 2,915 |
| Net loans and leases to total assets | 83.3800% | 292 |
| Net loans and leases to deposits | 102.9328% | 267 |
| Net loans and leases to core deposits | 108.1981% | 527 |
| Total domestic deposits to total assets | 81.0000% | 3,977 |
| Equity capital to assets | 10.1396% | 1,550 |
| Core capital (leverage) ratio | 11.2182% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2092% | 2,389 |
| Memoranda: | ||
| Average total assets | $405,063,000 | 2,025 |
| Average earning assets | $390,659,750 | 1,959 |
| Average equity | $42,366,500 | 1,872 |
| Average total loans | $334,610,000 | 1,591 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7900% | 1,336 |
| Cost of funding earning assets | 0.1911% | 3,033 |
| Net interest margin | 3.5989% | 1,070 |
| Noninterest income to average assets | 0.0960% | 4,499 |
| Noninterest expense to average assets | 2.5448% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7085% | 3,284 |
| Return on assets (ROA) | 0.7085% | 3,233 |
| Pretax return on assets | 1.0152% | 2,672 |
| Return on Equity (ROE) | 6.6989% | 3,394 |
| Retained earnings to average equity (ytd only) | 6.6989% | 2,092 |
| Net charge-offs to loans | -0.0124% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4833% | 1,776 |
| Assets per employee ($millions) | 9.0093% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 597 |
| Loan loss allowance to noncurrent loans | 3,096.3636% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,457 |
| Noncurrent loans to loans | 0.0634% | 3,484 |
| Net loans and leases to total assets | 82.1318% | 279 |
| Net loans and leases to deposits | 110.3633% | 94 |
| Net loans and leases to core deposits | 113.3192% | 291 |
| Total domestic deposits to total assets | 74.4195% | 4,523 |
| Equity capital to assets | 10.3581% | 1,502 |
| Core capital (leverage) ratio | 11.6525% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6021% | 2,249 |
| Memoranda: | ||
| Average total assets | $395,785,333 | 2,068 |
| Average earning assets | $380,948,667 | 2,017 |
| Average equity | $41,857,333 | 1,933 |
| Average total loans | $323,430,667 | 1,622 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 1,119 |
| Cost of funding earning assets | 0.2015% | 2,779 |
| Net interest margin | 3.5798% | 928 |
| Noninterest income to average assets | 0.0911% | 4,541 |
| Noninterest expense to average assets | 2.5669% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6821% | 3,117 |
| Return on assets (ROA) | 0.6821% | 3,107 |
| Pretax return on assets | 0.9636% | 2,565 |
| Return on Equity (ROE) | 6.3791% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.3791% | 2,115 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7060% | 1,887 |
| Assets per employee ($millions) | 8.0705% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2007% | 437 |
| Loan loss allowance to noncurrent loans | 2,877.9661% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,424 |
| Noncurrent loans to loans | 0.0765% | 3,461 |
| Net loans and leases to total assets | 81.3045% | 188 |
| Net loans and leases to deposits | 98.5516% | 213 |
| Net loans and leases to core deposits | 101.4281% | 459 |
| Total domestic deposits to total assets | 82.4994% | 4,018 |
| Equity capital to assets | 11.2759% | 1,205 |
| Core capital (leverage) ratio | 11.2664% | 1,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1632% | 1,738 |
| Memoranda: | ||
| Average total assets | $386,463,500 | 2,111 |
| Average earning assets | $371,306,500 | 2,067 |
| Average equity | $41,322,500 | 2,005 |
| Average total loans | $311,551,000 | 1,653 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 1,202 |
| Cost of funding earning assets | 0.2839% | 2,557 |
| Net interest margin | 3.7912% | 1,027 |
| Noninterest income to average assets | 0.2269% | 4,023 |
| Noninterest expense to average assets | 2.3160% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1040% | 2,283 |
| Return on assets (ROA) | 1.1040% | 2,340 |
| Pretax return on assets | 1.5646% | 1,525 |
| Return on Equity (ROE) | 11.8784% | 1,858 |
| Retained earnings to average equity (ytd only) | 11.8784% | 547 |
| Net charge-offs to loans | 0.0230% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 84.1974% | 969 |
| Efficiency ratio | 59.6812% | 3,200 |
| Assets per employee ($millions) | 9.3415% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1598% | 478 |
| Loan loss allowance to noncurrent loans | 2,674.0157% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 3,535 |
| Noncurrent loans to loans | 0.0808% | 3,522 |
| Net loans and leases to total assets | 76.5977% | 476 |
| Net loans and leases to deposits | 98.4374% | 235 |
| Net loans and leases to core deposits | 102.1429% | 452 |
| Total domestic deposits to total assets | 77.8136% | 4,414 |
| Equity capital to assets | 10.1533% | 2,514 |
| Core capital (leverage) ratio | 10.1777% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9166% | 1,881 |
| Memoranda: | ||
| Average total assets | $408,981,200 | 1,957 |
| Average earning assets | $394,153,600 | 1,925 |
| Average equity | $38,010,200 | 2,154 |
| Average total loans | $330,033,400 | 1,590 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 1,355 |
| Cost of funding earning assets | 0.2879% | 2,709 |
| Net interest margin | 3.7899% | 1,137 |
| Noninterest income to average assets | 0.0795% | 4,733 |
| Noninterest expense to average assets | 2.3274% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9724% | 3,011 |
| Return on assets (ROA) | 0.9724% | 3,092 |
| Pretax return on assets | 1.4014% | 2,326 |
| Return on Equity (ROE) | 10.7045% | 2,478 |
| Retained earnings to average equity (ytd only) | 10.7045% | 1,120 |
| Net charge-offs to loans | 0.0519% | 1,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 33.2154% | 1,470 |
| Efficiency ratio | 62.4162% | 2,631 |
| Assets per employee ($millions) | 10.2515% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1814% | 472 |
| Loan loss allowance to noncurrent loans | 2,632.0313% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 3,681 |
| Noncurrent loans to loans | 0.0829% | 3,671 |
| Net loans and leases to total assets | 75.5716% | 578 |
| Net loans and leases to deposits | 92.2596% | 484 |
| Net loans and leases to core deposits | 95.3725% | 774 |
| Total domestic deposits to total assets | 81.9119% | 3,942 |
| Equity capital to assets | 9.7817% | 3,121 |
| Core capital (leverage) ratio | 9.8508% | 2,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0920% | 1,939 |
| Memoranda: | ||
| Average total assets | $410,805,750 | 1,970 |
| Average earning assets | $395,564,750 | 1,940 |
| Average equity | $37,316,750 | 2,210 |
| Average total loans | $333,923,750 | 1,607 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 1,862 |
| Cost of funding earning assets | 0.2987% | 2,785 |
| Net interest margin | 3.5837% | 1,626 |
| Noninterest income to average assets | 0.0782% | 4,765 |
| Noninterest expense to average assets | 2.3331% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8271% | 3,435 |
| Return on assets (ROA) | 0.8271% | 3,505 |
| Pretax return on assets | 1.1957% | 2,926 |
| Return on Equity (ROE) | 9.3356% | 3,002 |
| Retained earnings to average equity (ytd only) | 9.3356% | 1,608 |
| Net charge-offs to loans | 0.0935% | 774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 15.4875% | 1,634 |
| Efficiency ratio | 66.1151% | 2,136 |
| Assets per employee ($millions) | 9.4417% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 586 |
| Loan loss allowance to noncurrent loans | 2,589.9614% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,797 |
| Noncurrent loans to loans | 0.0780% | 3,797 |
| Net loans and leases to total assets | 80.1166% | 312 |
| Net loans and leases to deposits | 97.0906% | 348 |
| Net loans and leases to core deposits | 100.8330% | 636 |
| Total domestic deposits to total assets | 82.5173% | 3,816 |
| Equity capital to assets | 9.2803% | 3,528 |
| Core capital (leverage) ratio | 9.2026% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6851% | 1,726 |
| Memoranda: | ||
| Average total assets | $414,471,333 | 1,952 |
| Average earning assets | $399,086,333 | 1,914 |
| Average equity | $36,719,667 | 2,238 |
| Average total loans | $342,271,667 | 1,589 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 2,014 |
| Cost of funding earning assets | 0.3028% | 2,962 |
| Net interest margin | 3.5268% | 1,755 |
| Noninterest income to average assets | 0.0783% | 4,767 |
| Noninterest expense to average assets | 2.3443% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7786% | 3,489 |
| Return on assets (ROA) | 0.7786% | 3,555 |
| Pretax return on assets | 1.1273% | 3,046 |
| Return on Equity (ROE) | 8.9953% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.9953% | 1,955 |
| Net charge-offs to loans | 0.2360% | 359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 5.7561% | 1,670 |
| Efficiency ratio | 67.5289% | 2,004 |
| Assets per employee ($millions) | 9.7931% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 779 |
| Loan loss allowance to noncurrent loans | 2,523.8636% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,938 |
| Noncurrent loans to loans | 0.0739% | 3,921 |
| Net loans and leases to total assets | 81.3938% | 255 |
| Net loans and leases to deposits | 105.0424% | 186 |
| Net loans and leases to core deposits | 109.4068% | 428 |
| Total domestic deposits to total assets | 77.4866% | 4,483 |
| Equity capital to assets | 8.5141% | 4,104 |
| Core capital (leverage) ratio | 9.0175% | 3,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4826% | 1,434 |
| Memoranda: | ||
| Average total assets | $418,711,500 | 1,936 |
| Average earning assets | $402,853,000 | 1,895 |
| Average equity | $36,241,000 | 2,248 |
| Average total loans | $347,420,500 | 1,569 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 1,503 |
| Cost of funding earning assets | 0.4490% | 3,287 |
| Net interest margin | 3.9776% | 1,023 |
| Noninterest income to average assets | 0.0693% | 4,826 |
| Noninterest expense to average assets | 2.2837% | 3,451 |
| Loan and lease loss provision to assets | 0.8212% | 147 |
| Net operating income to assets | 0.5625% | 3,864 |
| Return on assets (ROA) | 0.5625% | 3,964 |
| Pretax return on assets | 0.8184% | 3,587 |
| Return on Equity (ROE) | 6.2937% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.2937% | 1,666 |
| Net charge-offs to loans | -0.0300% | 4,536 |
| Credit loss provision to net charge-offs | -3,363.8298% | 4,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2087% | 3,697 |
| Assets per employee ($millions) | 9.4541% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0352% | 545 |
| Loan loss allowance to noncurrent loans | 1,298.2987% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 3,637 |
| Noncurrent loans to loans | 0.1568% | 3,657 |
| Net loans and leases to total assets | 81.3199% | 337 |
| Net loans and leases to deposits | 102.7660% | 292 |
| Net loans and leases to core deposits | 109.0747% | 541 |
| Total domestic deposits to total assets | 79.1311% | 4,186 |
| Equity capital to assets | 8.8051% | 4,218 |
| Core capital (leverage) ratio | 8.8031% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0603% | 1,506 |
| Memoranda: | ||
| Average total assets | $385,037,600 | 1,907 |
| Average earning assets | $373,064,400 | 1,860 |
| Average equity | $34,415,400 | 2,259 |
| Average total loans | $312,816,800 | 1,641 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 725 |
| Cost of funding earning assets | 0.4605% | 3,466 |
| Net interest margin | 4.4428% | 437 |
| Noninterest income to average assets | 0.0678% | 4,853 |
| Noninterest expense to average assets | 2.3912% | 3,165 |
| Loan and lease loss provision to assets | 1.1666% | 94 |
| Net operating income to assets | 0.5647% | 3,870 |
| Return on assets (ROA) | 0.5647% | 3,961 |
| Pretax return on assets | 0.8228% | 3,585 |
| Return on Equity (ROE) | 6.2927% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.2927% | 1,977 |
| Net charge-offs to loans | -0.0274% | 4,497 |
| Credit loss provision to net charge-offs | -5,273.0159% | 4,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5855% | 4,088 |
| Assets per employee ($millions) | 10.4305% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 552 |
| Loan loss allowance to noncurrent loans | 1,298.1447% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 3,811 |
| Noncurrent loans to loans | 0.1491% | 3,787 |
| Net loans and leases to total assets | 80.9156% | 532 |
| Net loans and leases to deposits | 110.1271% | 226 |
| Net loans and leases to core deposits | 116.8812% | 480 |
| Total domestic deposits to total assets | 73.4747% | 4,604 |
| Equity capital to assets | 8.0310% | 4,702 |
| Core capital (leverage) ratio | 8.7739% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1767% | 1,455 |
| Memoranda: | ||
| Average total assets | $379,665,000 | 1,908 |
| Average earning assets | $368,554,500 | 1,849 |
| Average equity | $34,070,500 | 2,271 |
| Average total loans | $306,657,000 | 1,659 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 1,049 |
| Cost of funding earning assets | 0.5167% | 3,429 |
| Net interest margin | 4.3364% | 696 |
| Noninterest income to average assets | 0.0694% | 4,869 |
| Noninterest expense to average assets | 2.5286% | 2,886 |
| Loan and lease loss provision to assets | 1.1372% | 159 |
| Net operating income to assets | 0.4176% | 4,198 |
| Return on assets (ROA) | 0.4176% | 4,258 |
| Pretax return on assets | 0.6158% | 4,031 |
| Return on Equity (ROE) | 4.4629% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.4629% | 2,725 |
| Net charge-offs to loans | -0.0291% | 4,528 |
| Credit loss provision to net charge-offs | -4,876.1905% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0585% | 3,544 |
| Assets per employee ($millions) | 10.7981% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,135 |
| Loan loss allowance to noncurrent loans | 1,029.2419% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 3,920 |
| Noncurrent loans to loans | 0.1502% | 3,857 |
| Net loans and leases to total assets | 80.0841% | 587 |
| Net loans and leases to deposits | 117.8939% | 109 |
| Net loans and leases to core deposits | 125.4661% | 318 |
| Total domestic deposits to total assets | 67.9289% | 4,842 |
| Equity capital to assets | 7.5520% | 4,862 |
| Core capital (leverage) ratio | 9.1091% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7463% | 1,908 |
| Memoranda: | ||
| Average total assets | $360,193,333 | 1,960 |
| Average earning assets | $349,879,333 | 1,897 |
| Average equity | $33,700,000 | 2,278 |
| Average total loans | $288,385,333 | 1,714 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 2,772 |
| Cost of funding earning assets | 0.6589% | 3,121 |
| Net interest margin | 3.6928% | 2,349 |
| Noninterest income to average assets | 0.0791% | 4,897 |
| Noninterest expense to average assets | 2.7787% | 2,491 |
| Loan and lease loss provision to assets | 0.5078% | 577 |
| Net operating income to assets | 0.2552% | 4,440 |
| Return on assets (ROA) | 0.2552% | 4,461 |
| Pretax return on assets | 0.3891% | 4,309 |
| Return on Equity (ROE) | 2.3934% | 4,367 |
| Retained earnings to average equity (ytd only) | 2.3934% | 3,309 |
| Net charge-offs to loans | -0.0339% | 4,514 |
| Credit loss provision to net charge-offs | -1,895.2381% | 3,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5988% | 1,611 |
| Assets per employee ($millions) | 7.9824% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 1,139 |
| Loan loss allowance to noncurrent loans | 727.6173% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 3,801 |
| Noncurrent loans to loans | 0.2163% | 3,704 |
| Net loans and leases to total assets | 78.9481% | 834 |
| Net loans and leases to deposits | 112.8527% | 149 |
| Net loans and leases to core deposits | 117.2096% | 551 |
| Total domestic deposits to total assets | 69.9567% | 4,857 |
| Equity capital to assets | 10.5241% | 3,298 |
| Core capital (leverage) ratio | 12.1360% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1183% | 2,230 |
| Memoranda: | ||
| Average total assets | $313,529,500 | 2,140 |
| Average earning assets | $305,353,000 | 2,048 |
| Average equity | $33,425,000 | 2,278 |
| Average total loans | $248,128,000 | 1,876 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 2,269 |
| Cost of funding earning assets | 0.7802% | 2,773 |
| Net interest margin | 3.9388% | 2,035 |
| Noninterest income to average assets | 0.1341% | 4,803 |
| Noninterest expense to average assets | 2.7238% | 2,822 |
| Loan and lease loss provision to assets | 0.1153% | 1,829 |
| Net operating income to assets | 0.7302% | 3,765 |
| Return on assets (ROA) | 0.7302% | 3,836 |
| Pretax return on assets | 1.1045% | 3,147 |
| Return on Equity (ROE) | 6.7615% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.7615% | 1,501 |
| Net charge-offs to loans | -0.0314% | 4,722 |
| Credit loss provision to net charge-offs | -452.7778% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0679% | 2,307 |
| Assets per employee ($millions) | 7.5064% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 1,222 |
| Loan loss allowance to noncurrent loans | 623.8342% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 3,713 |
| Noncurrent loans to loans | 0.2411% | 3,582 |
| Net loans and leases to total assets | 76.8562% | 1,284 |
| Net loans and leases to deposits | 100.6849% | 551 |
| Net loans and leases to core deposits | 106.4490% | 1,083 |
| Total domestic deposits to total assets | 76.3334% | 4,564 |
| Equity capital to assets | 10.8028% | 3,178 |
| Core capital (leverage) ratio | 11.7385% | 1,934 |
| Tier 1 risk-based capital ratio | 13.3866% | 3,587 |
| Total risk-based capital ratio | 14.6398% | 3,473 |
| Memoranda: | ||
| Average total assets | $282,654,200 | 2,265 |
| Average earning assets | $273,384,200 | 2,186 |
| Average equity | $30,525,800 | 2,363 |
| Average total loans | $229,521,600 | 1,959 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 2,344 |
| Cost of funding earning assets | 0.7639% | 2,897 |
| Net interest margin | 3.9614% | 2,073 |
| Noninterest income to average assets | 0.1510% | 4,793 |
| Noninterest expense to average assets | 2.8458% | 2,419 |
| Loan and lease loss provision to assets | 0.1288% | 1,505 |
| Net operating income to assets | 0.6571% | 4,143 |
| Return on assets (ROA) | 0.6571% | 4,192 |
| Pretax return on assets | 1.0039% | 3,587 |
| Return on Equity (ROE) | 6.0845% | 4,013 |
| Retained earnings to average equity (ytd only) | 6.0845% | 2,331 |
| Net charge-offs to loans | -0.0523% | 4,848 |
| Credit loss provision to net charge-offs | -300.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5290% | 1,897 |
| Assets per employee ($millions) | 7.2994% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,203 |
| Loan loss allowance to noncurrent loans | 595.0000% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,729 |
| Noncurrent loans to loans | 0.2549% | 3,627 |
| Net loans and leases to total assets | 81.4221% | 638 |
| Net loans and leases to deposits | 96.1920% | 995 |
| Net loans and leases to core deposits | 102.1214% | 1,491 |
| Total domestic deposits to total assets | 84.6454% | 2,558 |
| Equity capital to assets | 11.2710% | 2,858 |
| Core capital (leverage) ratio | 12.1275% | 1,772 |
| Tier 1 risk-based capital ratio | 12.9204% | 3,896 |
| Total risk-based capital ratio | 14.1735% | 3,787 |
| Memoranda: | ||
| Average total assets | $276,377,000 | 2,309 |
| Average earning assets | $267,039,750 | 2,246 |
| Average equity | $29,845,500 | 2,418 |
| Average total loans | $226,865,250 | 1,991 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 2,459 |
| Cost of funding earning assets | 0.7122% | 3,100 |
| Net interest margin | 3.9555% | 2,077 |
| Noninterest income to average assets | 0.1879% | 4,632 |
| Noninterest expense to average assets | 2.9414% | 2,163 |
| Loan and lease loss provision to assets | 0.1952% | 890 |
| Net operating income to assets | 0.5753% | 4,370 |
| Return on assets (ROA) | 0.5753% | 4,407 |
| Pretax return on assets | 0.8837% | 3,895 |
| Return on Equity (ROE) | 5.4092% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.4092% | 2,571 |
| Net charge-offs to loans | -0.0616% | 4,883 |
| Credit loss provision to net charge-offs | -386.9565% | 4,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1636% | 1,753 |
| Assets per employee ($millions) | 7.2736% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,279 |
| Loan loss allowance to noncurrent loans | 1,145.1613% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 4,225 |
| Noncurrent loans to loans | 0.1310% | 4,092 |
| Net loans and leases to total assets | 80.1208% | 861 |
| Net loans and leases to deposits | 109.5202% | 230 |
| Net loans and leases to core deposits | 120.2457% | 538 |
| Total domestic deposits to total assets | 73.1563% | 4,893 |
| Equity capital to assets | 10.8076% | 3,263 |
| Core capital (leverage) ratio | 12.7711% | 1,418 |
| Tier 1 risk-based capital ratio | 12.9764% | 3,848 |
| Total risk-based capital ratio | 14.2295% | 3,757 |
| Memoranda: | ||
| Average total assets | $273,610,330 | 2,338 |
| Average earning assets | $265,096,670 | 2,273 |
| Average equity | $29,098,670 | 2,450 |
| Average total loans | $224,033,670 | 2,022 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 2,453 |
| Cost of funding earning assets | 0.6622% | 3,250 |
| Net interest margin | 3.9623% | 1,976 |
| Noninterest income to average assets | 0.0921% | 5,109 |
| Noninterest expense to average assets | 3.1222% | 1,682 |
| Loan and lease loss provision to assets | 0.0679% | 2,310 |
| Net operating income to assets | 0.4816% | 4,567 |
| Return on assets (ROA) | 0.4816% | 4,592 |
| Pretax return on assets | 0.7413% | 4,193 |
| Return on Equity (ROE) | 4.5692% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.5692% | 3,101 |
| Net charge-offs to loans | -0.1066% | 5,041 |
| Credit loss provision to net charge-offs | -77.5862% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4163% | 1,114 |
| Assets per employee ($millions) | 6.6344% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 1,340 |
| Loan loss allowance to noncurrent loans | 1,020.6154% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 4,215 |
| Noncurrent loans to loans | 0.1469% | 4,073 |
| Net loans and leases to total assets | 80.0985% | 819 |
| Net loans and leases to deposits | 107.3101% | 284 |
| Net loans and leases to core deposits | 119.2606% | 549 |
| Total domestic deposits to total assets | 74.6421% | 4,878 |
| Equity capital to assets | 10.3445% | 3,479 |
| Core capital (leverage) ratio | 11.8562% | 1,867 |
| Tier 1 risk-based capital ratio | 12.3311% | 4,283 |
| Total risk-based capital ratio | 13.5843% | 4,143 |
| Memoranda: | ||
| Average total assets | $264,944,000 | 2,401 |
| Average earning assets | $256,721,000 | 2,338 |
| Average equity | $27,926,000 | 2,523 |
| Average total loans | $217,722,500 | 2,080 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 1,611 |
| Cost of funding earning assets | 0.4595% | 3,611 |
| Net interest margin | 4.3095% | 1,129 |
| Noninterest income to average assets | 0.1228% | 5,064 |
| Noninterest expense to average assets | 3.1532% | 1,666 |
| Loan and lease loss provision to assets | 0.1946% | 974 |
| Net operating income to assets | 0.6393% | 4,320 |
| Return on assets (ROA) | 0.6393% | 4,323 |
| Pretax return on assets | 0.9329% | 3,807 |
| Return on Equity (ROE) | 5.5518% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.5518% | 2,457 |
| Net charge-offs to loans | -0.0133% | 4,575 |
| Credit loss provision to net charge-offs | -1,808.3333% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6622% | 1,672 |
| Assets per employee ($millions) | 6.6123% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 1,292 |
| Loan loss allowance to noncurrent loans | 931.5942% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 4,154 |
| Noncurrent loans to loans | 0.1610% | 4,020 |
| Net loans and leases to total assets | 81.8364% | 675 |
| Net loans and leases to deposits | 106.4633% | 350 |
| Net loans and leases to core deposits | 118.2100% | 614 |
| Total domestic deposits to total assets | 76.8681% | 4,647 |
| Equity capital to assets | 10.7469% | 2,934 |
| Core capital (leverage) ratio | 12.1312% | 1,651 |
| Tier 1 risk-based capital ratio | 12.5154% | 4,123 |
| Total risk-based capital ratio | 13.7684% | 3,997 |
| Memoranda: | ||
| Average total assets | $223,072,000 | 2,674 |
| Average earning assets | $215,224,200 | 2,598 |
| Average equity | $25,685,200 | 2,592 |
| Average total loans | $180,831,200 | 2,326 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 1,538 |
| Cost of funding earning assets | 0.4475% | 3,536 |
| Net interest margin | 4.3061% | 1,103 |
| Noninterest income to average assets | 0.1462% | 5,045 |
| Noninterest expense to average assets | 3.0849% | 1,799 |
| Loan and lease loss provision to assets | 0.0964% | 2,052 |
| Net operating income to assets | 0.7625% | 4,038 |
| Return on assets (ROA) | 0.7625% | 4,046 |
| Pretax return on assets | 1.1127% | 3,344 |
| Return on Equity (ROE) | 6.4923% | 4,109 |
| Retained earnings to average equity (ytd only) | 6.4923% | 2,388 |
| Net charge-offs to loans | -0.0070% | 4,302 |
| Credit loss provision to net charge-offs | -1,722.2222% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8424% | 1,908 |
| Assets per employee ($millions) | 6.3030% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 1,362 |
| Loan loss allowance to noncurrent loans | 822.5352% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 4,204 |
| Noncurrent loans to loans | 0.1818% | 4,076 |
| Net loans and leases to total assets | 80.3009% | 971 |
| Net loans and leases to deposits | 98.0715% | 943 |
| Net loans and leases to core deposits | 112.1999% | 905 |
| Total domestic deposits to total assets | 81.8800% | 3,650 |
| Equity capital to assets | 11.3601% | 2,350 |
| Core capital (leverage) ratio | 12.5100% | 1,496 |
| Tier 1 risk-based capital ratio | 13.3935% | 3,683 |
| Total risk-based capital ratio | 14.6465% | 3,605 |
| Memoranda: | ||
| Average total assets | $214,370,500 | 2,754 |
| Average earning assets | $206,492,000 | 2,679 |
| Average equity | $25,178,000 | 2,648 |
| Average total loans | $172,476,000 | 2,426 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 1,221 |
| Cost of funding earning assets | 0.4440% | 3,391 |
| Net interest margin | 4.3657% | 917 |
| Noninterest income to average assets | 0.1447% | 5,097 |
| Noninterest expense to average assets | 3.0040% | 2,029 |
| Loan and lease loss provision to assets | 0.1068% | 1,835 |
| Net operating income to assets | 0.8466% | 3,691 |
| Return on assets (ROA) | 0.8466% | 3,691 |
| Pretax return on assets | 1.2340% | 2,797 |
| Return on Equity (ROE) | 7.1181% | 3,868 |
| Retained earnings to average equity (ytd only) | 7.1181% | 2,020 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1397% | 2,458 |
| Assets per employee ($millions) | 6.2900% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 990 |
| Loan loss allowance to noncurrent loans | 764.2667% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 4,108 |
| Noncurrent loans to loans | 0.2159% | 3,946 |
| Net loans and leases to total assets | 79.8638% | 1,047 |
| Net loans and leases to deposits | 96.7146% | 1,073 |
| Net loans and leases to core deposits | 112.6586% | 854 |
| Total domestic deposits to total assets | 82.5768% | 3,540 |
| Equity capital to assets | 12.5354% | 1,518 |
| Core capital (leverage) ratio | 13.3170% | 1,129 |
| Tier 1 risk-based capital ratio | 14.8515% | 2,946 |
| Total risk-based capital ratio | 16.1066% | 2,872 |
| Memoranda: | ||
| Average total assets | $205,989,330 | 2,845 |
| Average earning assets | $198,179,670 | 2,773 |
| Average equity | $24,501,000 | 2,701 |
| Average total loans | $164,884,000 | 2,506 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 1,837 |
| Cost of funding earning assets | 0.4500% | 3,200 |
| Net interest margin | 4.0603% | 1,538 |
| Noninterest income to average assets | 0.1643% | 5,036 |
| Noninterest expense to average assets | 2.9596% | 2,175 |
| Loan and lease loss provision to assets | 0.0396% | 2,965 |
| Net operating income to assets | 0.7048% | 4,082 |
| Return on assets (ROA) | 0.7048% | 4,089 |
| Pretax return on assets | 1.0769% | 3,254 |
| Return on Equity (ROE) | 6.0992% | 4,125 |
| Retained earnings to average equity (ytd only) | 6.0992% | 2,663 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6081% | 2,101 |
| Assets per employee ($millions) | 6.4365% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 991 |
| Loan loss allowance to noncurrent loans | 697.4874% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 4,115 |
| Noncurrent loans to loans | 0.2409% | 3,905 |
| Net loans and leases to total assets | 78.8520% | 1,104 |
| Net loans and leases to deposits | 89.3929% | 1,764 |
| Net loans and leases to core deposits | 103.6505% | 1,403 |
| Total domestic deposits to total assets | 88.2083% | 1,499 |
| Equity capital to assets | 11.4208% | 2,200 |
| Core capital (leverage) ratio | 11.4474% | 2,054 |
| Tier 1 risk-based capital ratio | 13.6616% | 3,566 |
| Total risk-based capital ratio | 14.9170% | 3,470 |
| Memoranda: | ||
| Average total assets | $202,054,500 | 2,917 |
| Average earning assets | $194,666,500 | 2,831 |
| Average equity | $23,347,500 | 2,830 |
| Average total loans | $160,495,000 | 2,565 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 1,913 |
| Cost of funding earning assets | 0.4477% | 2,797 |
| Net interest margin | 3.9944% | 1,770 |
| Noninterest income to average assets | 0.1999% | 4,949 |
| Noninterest expense to average assets | 2.7384% | 3,001 |
| Loan and lease loss provision to assets | 0.0234% | 3,830 |
| Net operating income to assets | 0.3635% | 4,800 |
| Return on assets (ROA) | 0.3635% | 4,818 |
| Pretax return on assets | 1.2597% | 2,510 |
| Return on Equity (ROE) | 3.0916% | 4,800 |
| Retained earnings to average equity (ytd only) | 3.0916% | 3,448 |
| Net charge-offs to loans | -0.0046% | 4,623 |
| Credit loss provision to net charge-offs | -642.8571% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0955% | 2,878 |
| Assets per employee ($millions) | 6.0043% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 829 |
| Loan loss allowance to noncurrent loans | 640.9302% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 4,052 |
| Noncurrent loans to loans | 0.2760% | 3,790 |
| Net loans and leases to total assets | 77.2421% | 1,385 |
| Net loans and leases to deposits | 87.8118% | 2,038 |
| Net loans and leases to core deposits | 101.5850% | 1,581 |
| Total domestic deposits to total assets | 87.9632% | 1,523 |
| Equity capital to assets | 11.6946% | 2,039 |
| Core capital (leverage) ratio | 10.9842% | 2,352 |
| Tier 1 risk-based capital ratio | 14.0185% | 3,350 |
| Total risk-based capital ratio | 15.2754% | 3,251 |
| Memoranda: | ||
| Average total assets | $192,592,200 | 2,993 |
| Average earning assets | $184,256,200 | 2,921 |
| Average equity | $22,642,200 | 2,889 |
| Average total loans | $153,258,400 | 2,620 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 1,886 |
| Cost of funding earning assets | 0.4334% | 2,866 |
| Net interest margin | 3.9898% | 1,733 |
| Noninterest income to average assets | 0.1569% | 5,236 |
| Noninterest expense to average assets | 2.6247% | 3,340 |
| Loan and lease loss provision to assets | 0.7099% | 157 |
| Net operating income to assets | 0.3340% | 5,147 |
| Return on assets (ROA) | 0.3340% | 5,176 |
| Pretax return on assets | 0.6290% | 4,779 |
| Return on Equity (ROE) | 2.8372% | 5,148 |
| Retained earnings to average equity (ytd only) | 2.8372% | 4,214 |
| Net charge-offs to loans | -0.0061% | 4,498 |
| Credit loss provision to net charge-offs | -14,542.8571% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2210% | 3,174 |
| Assets per employee ($millions) | 7.1949% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4278% | 293 |
| Loan loss allowance to noncurrent loans | 155.2456% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1923% | 1,380 |
| Noncurrent loans to loans | 1.5638% | 1,188 |
| Net loans and leases to total assets | 74.3916% | 1,855 |
| Net loans and leases to deposits | 84.3290% | 2,524 |
| Net loans and leases to core deposits | 99.1919% | 1,780 |
| Total domestic deposits to total assets | 88.2158% | 1,247 |
| Equity capital to assets | 11.3568% | 2,516 |
| Core capital (leverage) ratio | 11.2623% | 2,214 |
| Tier 1 risk-based capital ratio | 13.2707% | 3,836 |
| Total risk-based capital ratio | 14.5361% | 3,746 |
| Memoranda: | ||
| Average total assets | $191,204,750 | 3,037 |
| Average earning assets | $182,425,250 | 2,963 |
| Average equity | $22,509,750 | 2,923 |
| Average total loans | $152,621,750 | 2,641 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 1,937 |
| Cost of funding earning assets | 0.4239% | 2,858 |
| Net interest margin | 3.9377% | 1,817 |
| Noninterest income to average assets | 0.1097% | 5,483 |
| Noninterest expense to average assets | 2.5635% | 3,539 |
| Loan and lease loss provision to assets | 1.0203% | 96 |
| Net operating income to assets | 0.1321% | 5,461 |
| Return on assets (ROA) | 0.1321% | 5,463 |
| Pretax return on assets | 0.2854% | 5,355 |
| Return on Equity (ROE) | 1.1078% | 5,458 |
| Retained earnings to average equity (ytd only) | 1.1078% | 4,796 |
| Net charge-offs to loans | -0.0079% | 4,458 |
| Credit loss provision to net charge-offs | -15,966.6667% | 5,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2538% | 3,309 |
| Assets per employee ($millions) | 6.9556% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3840% | 332 |
| Loan loss allowance to noncurrent loans | 148.3219% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.3168% | 1,242 |
| Noncurrent loans to loans | 1.6073% | 1,149 |
| Net loans and leases to total assets | 79.9723% | 960 |
| Net loans and leases to deposits | 93.6007% | 1,306 |
| Net loans and leases to core deposits | 107.7659% | 1,116 |
| Total domestic deposits to total assets | 85.4398% | 2,631 |
| Equity capital to assets | 11.9505% | 1,965 |
| Core capital (leverage) ratio | 11.2599% | 2,168 |
| Tier 1 risk-based capital ratio | 12.7560% | 4,149 |
| Total risk-based capital ratio | 14.0209% | 4,046 |
| Memoranda: | ||
| Average total assets | $187,787,330 | 3,083 |
| Average earning assets | $179,291,330 | 3,012 |
| Average equity | $22,386,670 | 2,936 |
| Average total loans | $152,297,000 | 2,657 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 2,212 |
| Cost of funding earning assets | 0.3923% | 3,079 |
| Net interest margin | 3.8274% | 2,024 |
| Noninterest income to average assets | 0.1150% | 5,532 |
| Noninterest expense to average assets | 2.5391% | 3,691 |
| Loan and lease loss provision to assets | 0.1278% | 1,508 |
| Net operating income to assets | 0.6199% | 4,062 |
| Return on assets (ROA) | 0.6199% | 4,114 |
| Pretax return on assets | 1.1055% | 2,960 |
| Return on Equity (ROE) | 5.2061% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.2061% | 2,783 |
| Net charge-offs to loans | -0.0079% | 4,333 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3066% | 3,300 |
| Assets per employee ($millions) | 6.9083% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 900 |
| Loan loss allowance to noncurrent loans | 556.7404% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 4,146 |
| Noncurrent loans to loans | 0.3296% | 3,932 |
| Net loans and leases to total assets | 79.3548% | 922 |
| Net loans and leases to deposits | 102.4722% | 475 |
| Net loans and leases to core deposits | 121.1917% | 432 |
| Total domestic deposits to total assets | 77.4403% | 5,050 |
| Equity capital to assets | 12.0789% | 1,778 |
| Core capital (leverage) ratio | 11.7588% | 1,782 |
| Tier 1 risk-based capital ratio | 13.1775% | 3,971 |
| Total risk-based capital ratio | 14.4365% | 3,879 |
| Memoranda: | ||
| Average total assets | $187,781,000 | 3,108 |
| Average earning assets | $179,443,000 | 3,041 |
| Average equity | $22,358,500 | 2,957 |
| Average total loans | $151,517,500 | 2,681 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,131 |
| Cost of funding earning assets | 0.3412% | 3,618 |
| Net interest margin | 3.9620% | 1,752 |
| Noninterest income to average assets | 0.1333% | 5,521 |
| Noninterest expense to average assets | 2.7283% | 3,256 |
| Loan and lease loss provision to assets | 0.2494% | 841 |
| Net operating income to assets | 0.4911% | 4,666 |
| Return on assets (ROA) | 0.4911% | 4,740 |
| Pretax return on assets | 0.9025% | 3,846 |
| Return on Equity (ROE) | 3.8734% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.7795% | 3,227 |
| Net charge-offs to loans | 0.1583% | 1,693 |
| Credit loss provision to net charge-offs | 203.3981% | 1,392 |
| Earnings coverage of net charge-offs (x) | 9.3932% | 2,757 |
| Efficiency ratio | 70.3130% | 2,847 |
| Assets per employee ($millions) | 7.2707% | 817 |
| Cash dividends to net income (ytd only)* | 2.4242% | 4,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7760% | 985 |
| Loan loss allowance to noncurrent loans | 512.1212% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 4,158 |
| Noncurrent loans to loans | 0.3468% | 3,894 |
| Net loans and leases to total assets | 79.1101% | 1,028 |
| Net loans and leases to deposits | 89.9262% | 1,691 |
| Net loans and leases to core deposits | 103.8585% | 1,295 |
| Total domestic deposits to total assets | 87.9723% | 1,642 |
| Equity capital to assets | 11.7367% | 1,979 |
| Core capital (leverage) ratio | 11.4515% | 1,968 |
| Tier 1 risk-based capital ratio | 12.8509% | 4,167 |
| Total risk-based capital ratio | 14.1123% | 4,051 |
| Memoranda: | ||
| Average total assets | $167,983,000 | 3,310 |
| Average earning assets | $158,860,800 | 3,255 |
| Average equity | $21,299,000 | 3,039 |
| Average total loans | $130,141,400 | 2,919 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 2,289 |
| Cost of funding earning assets | 0.3436% | 3,619 |
| Net interest margin | 3.9194% | 1,909 |
| Noninterest income to average assets | 0.1377% | 5,571 |
| Noninterest expense to average assets | 2.8482% | 2,832 |
| Loan and lease loss provision to assets | 0.1098% | 2,097 |
| Net operating income to assets | 0.4703% | 4,802 |
| Return on assets (ROA) | 0.4703% | 4,880 |
| Pretax return on assets | 0.8718% | 4,072 |
| Return on Equity (ROE) | 3.6310% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.5045% | 3,796 |
| Net charge-offs to loans | 0.2247% | 1,044 |
| Credit loss provision to net charge-offs | 63.8095% | 2,871 |
| Earnings coverage of net charge-offs (x) | 5.7048% | 3,093 |
| Efficiency ratio | 74.3688% | 2,210 |
| Assets per employee ($millions) | 6.5829% | 1,059 |
| Cash dividends to net income (ytd only)* | 3.4849% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 1,230 |
| Loan loss allowance to noncurrent loans | 327.1003% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4152% | 3,765 |
| Noncurrent loans to loans | 0.5185% | 3,439 |
| Net loans and leases to total assets | 78.7232% | 1,078 |
| Net loans and leases to deposits | 96.4540% | 1,005 |
| Net loans and leases to core deposits | 106.1987% | 1,172 |
| Total domestic deposits to total assets | 81.6173% | 4,071 |
| Equity capital to assets | 12.3817% | 1,852 |
| Core capital (leverage) ratio | 11.9623% | 1,700 |
| Tier 1 risk-based capital ratio | 13.0553% | 4,128 |
| Total risk-based capital ratio | 14.3159% | 4,029 |
| Memoranda: | ||
| Average total assets | $162,719,000 | 3,384 |
| Average earning assets | $153,284,500 | 3,348 |
| Average equity | $21,077,000 | 3,081 |
| Average total loans | $124,613,500 | 3,006 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,394 |
| Cost of funding earning assets | 0.3571% | 3,487 |
| Net interest margin | 3.8755% | 2,061 |
| Noninterest income to average assets | 0.1357% | 5,630 |
| Noninterest expense to average assets | 2.9725% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4299% | 4,941 |
| Return on assets (ROA) | 0.4299% | 5,029 |
| Pretax return on assets | 0.8103% | 4,243 |
| Return on Equity (ROE) | 3.2648% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.0722% | 3,952 |
| Net charge-offs to loans | 0.1651% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.5204% | 2,726 |
| Efficiency ratio | 78.5786% | 1,702 |
| Assets per employee ($millions) | 6.0377% | 1,371 |
| Cash dividends to net income (ytd only)* | 5.8997% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 989 |
| Loan loss allowance to noncurrent loans | 269.4820% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.5447% | 3,395 |
| Noncurrent loans to loans | 0.6849% | 3,022 |
| Net loans and leases to total assets | 78.0694% | 1,194 |
| Net loans and leases to deposits | 97.0682% | 958 |
| Net loans and leases to core deposits | 107.6681% | 1,053 |
| Total domestic deposits to total assets | 80.4274% | 4,439 |
| Equity capital to assets | 13.3359% | 1,313 |
| Core capital (leverage) ratio | 12.7738% | 1,244 |
| Tier 1 risk-based capital ratio | 13.6981% | 3,771 |
| Total risk-based capital ratio | 14.9612% | 3,690 |
| Memoranda: | ||
| Average total assets | $157,712,670 | 3,454 |
| Average earning assets | $148,420,670 | 3,427 |
| Average equity | $20,767,000 | 3,122 |
| Average total loans | $118,706,330 | 3,101 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,055 |
| Cost of funding earning assets | 0.3630% | 3,470 |
| Net interest margin | 3.9597% | 1,743 |
| Noninterest income to average assets | 0.1135% | 5,775 |
| Noninterest expense to average assets | 3.0904% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3844% | 5,043 |
| Return on assets (ROA) | 0.3844% | 5,117 |
| Pretax return on assets | 0.7378% | 4,395 |
| Return on Equity (ROE) | 2.9388% | 5,264 |
| Retained earnings to average equity (ytd only) | 2.5443% | 4,231 |
| Net charge-offs to loans | 0.3497% | 636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.8889% | 2,618 |
| Efficiency ratio | 80.7278% | 1,522 |
| Assets per employee ($millions) | 6.2846% | 1,230 |
| Cash dividends to net income (ytd only)* | 13.4228% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1590% | 627 |
| Loan loss allowance to noncurrent loans | 298.6267% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 3,565 |
| Noncurrent loans to loans | 0.7230% | 3,028 |
| Net loans and leases to total assets | 68.9939% | 2,498 |
| Net loans and leases to deposits | 79.6372% | 2,846 |
| Net loans and leases to core deposits | 91.1368% | 2,262 |
| Total domestic deposits to total assets | 86.6352% | 2,390 |
| Equity capital to assets | 13.0173% | 1,399 |
| Core capital (leverage) ratio | 12.0563% | 1,575 |
| Tier 1 risk-based capital ratio | 15.1383% | 3,093 |
| Total risk-based capital ratio | 16.4074% | 3,018 |
| Memoranda: | ||
| Average total assets | $155,059,500 | 3,504 |
| Average earning assets | $145,465,000 | 3,484 |
| Average equity | $20,280,500 | 3,170 |
| Average total loans | $113,229,000 | 3,196 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 2,413 |
| Cost of funding earning assets | 0.4145% | 2,998 |
| Net interest margin | 3.8281% | 2,274 |
| Noninterest income to average assets | 0.1233% | 5,796 |
| Noninterest expense to average assets | 3.0069% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 3.0475% | 82 |
| Return on assets (ROA) | 3.0475% | 83 |
| Pretax return on assets | 0.7712% | 4,295 |
| Return on Equity (ROE) | 25.6475% | 93 |
| Retained earnings to average equity (ytd only) | 25.2113% | 41 |
| Net charge-offs to loans | 0.0450% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 22.9375% | 1,750 |
| Efficiency ratio | 79.5884% | 1,732 |
| Assets per employee ($millions) | 5.6669% | 1,640 |
| Cash dividends to net income (ytd only)* | 1.7008% | 4,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1536% | 634 |
| Loan loss allowance to noncurrent loans | 219.6649% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 2,832 |
| Noncurrent loans to loans | 0.9804% | 2,377 |
| Net loans and leases to total assets | 73.9688% | 1,735 |
| Net loans and leases to deposits | 85.4888% | 2,189 |
| Net loans and leases to core deposits | 98.2303% | 1,652 |
| Total domestic deposits to total assets | 86.5246% | 2,365 |
| Equity capital to assets | 13.1427% | 1,283 |
| Core capital (leverage) ratio | 11.9503% | 1,651 |
| Tier 1 risk-based capital ratio | 14.2651% | 3,570 |
| Total risk-based capital ratio | 15.5390% | 3,473 |
| Memoranda: | ||
| Average total assets | $142,773,200 | 3,681 |
| Average earning assets | $136,309,600 | 3,590 |
| Average equity | $16,964,600 | 3,530 |
| Average total loans | $106,744,800 | 3,265 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 2,856 |
| Cost of funding earning assets | 0.4260% | 2,952 |
| Net interest margin | 3.6935% | 2,799 |
| Noninterest income to average assets | 0.1236% | 5,854 |
| Noninterest expense to average assets | 2.9715% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6942% | 3,923 |
| Return on assets (ROA) | 0.6942% | 4,035 |
| Pretax return on assets | 0.6970% | 4,688 |
| Return on Equity (ROE) | 6.0161% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.5545% | 2,548 |
| Net charge-offs to loans | -0.0867% | 5,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0005% | 1,520 |
| Assets per employee ($millions) | 5.5022% | 1,785 |
| Cash dividends to net income (ytd only)* | 7.6707% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3216% | 558 |
| Loan loss allowance to noncurrent loans | 186.2143% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 2,507 |
| Noncurrent loans to loans | 1.2467% | 2,043 |
| Net loans and leases to total assets | 73.8346% | 1,761 |
| Net loans and leases to deposits | 83.5114% | 2,455 |
| Net loans and leases to core deposits | 97.0596% | 1,784 |
| Total domestic deposits to total assets | 88.4127% | 1,332 |
| Equity capital to assets | 11.1895% | 2,806 |
| Core capital (leverage) ratio | 11.1877% | 2,317 |
| Tier 1 risk-based capital ratio | 13.5918% | 4,086 |
| Total risk-based capital ratio | 14.8541% | 4,008 |
| Memoranda: | ||
| Average total assets | $140,215,250 | 3,753 |
| Average earning assets | $134,575,750 | 3,657 |
| Average equity | $16,178,500 | 3,680 |
| Average total loans | $104,514,250 | 3,333 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 2,380 |
| Cost of funding earning assets | 0.4523% | 2,701 |
| Net interest margin | 3.7911% | 2,355 |
| Noninterest income to average assets | 0.1208% | 5,941 |
| Noninterest expense to average assets | 2.9643% | 2,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7902% | 3,436 |
| Return on assets (ROA) | 0.7902% | 3,534 |
| Pretax return on assets | 0.7917% | 4,344 |
| Return on Equity (ROE) | 6.7747% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.3130% | 2,059 |
| Net charge-offs to loans | -0.1315% | 5,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9229% | 1,927 |
| Assets per employee ($millions) | 5.5121% | 1,725 |
| Cash dividends to net income (ytd only)* | 6.8140% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5780% | 444 |
| Loan loss allowance to noncurrent loans | 173.3866% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1361% | 2,241 |
| Noncurrent loans to loans | 1.4869% | 1,786 |
| Net loans and leases to total assets | 74.4418% | 1,590 |
| Net loans and leases to deposits | 85.2839% | 2,138 |
| Net loans and leases to core deposits | 101.4306% | 1,368 |
| Total domestic deposits to total assets | 87.2870% | 2,018 |
| Equity capital to assets | 12.2882% | 1,814 |
| Core capital (leverage) ratio | 11.9658% | 1,683 |
| Tier 1 risk-based capital ratio | 14.7597% | 3,499 |
| Total risk-based capital ratio | 16.0256% | 3,420 |
| Memoranda: | ||
| Average total assets | $137,434,000 | 3,831 |
| Average earning assets | $131,784,000 | 3,726 |
| Average equity | $16,030,330 | 3,718 |
| Average total loans | $101,920,670 | 3,403 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9834% | 3,286 |
| Cost of funding earning assets | 0.4347% | 2,931 |
| Net interest margin | 3.5487% | 3,228 |
| Noninterest income to average assets | 0.1143% | 6,023 |
| Noninterest expense to average assets | 2.8684% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6485% | 4,052 |
| Return on assets (ROA) | 0.6485% | 4,174 |
| Pretax return on assets | 0.6514% | 4,761 |
| Return on Equity (ROE) | 5.7044% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.2521% | 2,915 |
| Net charge-offs to loans | 0.1173% | 1,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.6000% | 2,156 |
| Efficiency ratio | 81.4935% | 1,685 |
| Assets per employee ($millions) | 6.3372% | 1,172 |
| Cash dividends to net income (ytd only)* | 7.9295% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4765% | 549 |
| Loan loss allowance to noncurrent loans | 162.1849% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 2,413 |
| Noncurrent loans to loans | 1.5270% | 1,843 |
| Net loans and leases to total assets | 70.8675% | 2,009 |
| Net loans and leases to deposits | 80.4563% | 2,513 |
| Net loans and leases to core deposits | 102.8973% | 1,123 |
| Total domestic deposits to total assets | 88.0819% | 1,772 |
| Equity capital to assets | 11.5430% | 2,428 |
| Core capital (leverage) ratio | 11.5055% | 2,000 |
| Tier 1 risk-based capital ratio | 14.1836% | 3,890 |
| Total risk-based capital ratio | 15.4468% | 3,807 |
| Memoranda: | ||
| Average total assets | $140,006,000 | 3,811 |
| Average earning assets | $134,357,500 | 3,711 |
| Average equity | $15,917,500 | 3,761 |
| Average total loans | $102,338,500 | 3,409 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1799% | 3,012 |
| Cost of funding earning assets | 0.5042% | 2,628 |
| Net interest margin | 3.6756% | 3,101 |
| Noninterest income to average assets | 0.1607% | 5,900 |
| Noninterest expense to average assets | 2.9127% | 3,107 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0524% | 2,150 |
| Return on assets (ROA) | 1.0524% | 2,215 |
| Pretax return on assets | 0.7668% | 4,375 |
| Return on Equity (ROE) | 9.2102% | 2,479 |
| Retained earnings to average equity (ytd only) | 8.7076% | 767 |
| Net charge-offs to loans | -0.0461% | 5,904 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1605% | 2,042 |
| Assets per employee ($millions) | 6.6950% | 955 |
| Cash dividends to net income (ytd only)* | 5.4572% | 4,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4563% | 590 |
| Loan loss allowance to noncurrent loans | 98.9478% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 1,426 |
| Noncurrent loans to loans | 2.4824% | 1,029 |
| Net loans and leases to total assets | 71.7150% | 1,953 |
| Net loans and leases to deposits | 81.0337% | 2,596 |
| Net loans and leases to core deposits | 94.1174% | 1,908 |
| Total domestic deposits to total assets | 88.5002% | 1,526 |
| Equity capital to assets | 11.1968% | 2,699 |
| Core capital (leverage) ratio | 11.4511% | 2,010 |
| Tier 1 risk-based capital ratio | 14.0099% | 4,085 |
| Total risk-based capital ratio | 15.2725% | 4,004 |
| Memoranda: | ||
| Average total assets | $128,851,200 | 3,997 |
| Average earning assets | $123,352,800 | 3,895 |
| Average equity | $14,722,800 | 3,893 |
| Average total loans | $95,356,800 | 3,518 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 3,024 |
| Cost of funding earning assets | 0.5106% | 2,653 |
| Net interest margin | 3.6805% | 3,101 |
| Noninterest income to average assets | 0.1768% | 5,859 |
| Noninterest expense to average assets | 3.0432% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6512% | 4,215 |
| Return on assets (ROA) | 0.6512% | 4,308 |
| Pretax return on assets | 0.6523% | 4,866 |
| Return on Equity (ROE) | 5.6675% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.1607% | 2,982 |
| Net charge-offs to loans | -0.1928% | 6,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3496% | 1,569 |
| Assets per employee ($millions) | 6.1967% | 1,203 |
| Cash dividends to net income (ytd only)* | 8.9429% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7091% | 484 |
| Loan loss allowance to noncurrent loans | 86.4847% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 2.3369% | 1,159 |
| Noncurrent loans to loans | 3.1324% | 819 |
| Net loans and leases to total assets | 72.5815% | 1,747 |
| Net loans and leases to deposits | 82.3174% | 2,384 |
| Net loans and leases to core deposits | 98.5188% | 1,488 |
| Total domestic deposits to total assets | 88.1727% | 1,678 |
| Equity capital to assets | 11.4108% | 2,565 |
| Core capital (leverage) ratio | 11.7477% | 1,865 |
| Tier 1 risk-based capital ratio | 14.3634% | 3,973 |
| Total risk-based capital ratio | 15.6294% | 3,900 |
| Memoranda: | ||
| Average total assets | $125,915,500 | 4,092 |
| Average earning assets | $120,380,750 | 3,978 |
| Average equity | $14,468,000 | 3,963 |
| Average total loans | $93,354,500 | 3,599 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,536 |
| Cost of funding earning assets | 0.5039% | 2,796 |
| Net interest margin | 3.5472% | 3,588 |
| Noninterest income to average assets | 0.1960% | 5,790 |
| Noninterest expense to average assets | 3.0696% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5285% | 4,700 |
| Return on assets (ROA) | 0.5285% | 4,790 |
| Pretax return on assets | 0.5301% | 5,192 |
| Return on Equity (ROE) | 4.5882% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.0722% | 3,581 |
| Net charge-offs to loans | -0.2475% | 6,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2744% | 1,347 |
| Assets per employee ($millions) | 6.0136% | 1,267 |
| Cash dividends to net income (ytd only)* | 11.2462% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6375% | 586 |
| Loan loss allowance to noncurrent loans | 80.4254% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.5688% | 1,078 |
| Noncurrent loans to loans | 3.2795% | 850 |
| Net loans and leases to total assets | 76.2640% | 1,130 |
| Net loans and leases to deposits | 86.6705% | 1,755 |
| Net loans and leases to core deposits | 104.8820% | 967 |
| Total domestic deposits to total assets | 87.9930% | 1,903 |
| Equity capital to assets | 11.6237% | 2,303 |
| Core capital (leverage) ratio | 12.1488% | 1,574 |
| Tier 1 risk-based capital ratio | 13.9027% | 4,322 |
| Total risk-based capital ratio | 15.1682% | 4,255 |
| Memoranda: | ||
| Average total assets | $124,510,330 | 4,147 |
| Average earning assets | $119,474,670 | 4,023 |
| Average equity | $14,341,000 | 3,977 |
| Average total loans | $92,112,330 | 3,633 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 4,238 |
| Cost of funding earning assets | 0.5016% | 2,891 |
| Net interest margin | 3.3600% | 4,292 |
| Noninterest income to average assets | 0.1391% | 6,147 |
| Noninterest expense to average assets | 2.9477% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4174% | 5,053 |
| Return on assets (ROA) | 0.4174% | 5,123 |
| Pretax return on assets | 0.4206% | 5,382 |
| Return on Equity (ROE) | 3.6410% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.1047% | 4,259 |
| Net charge-offs to loans | -0.0045% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5120% | 1,282 |
| Assets per employee ($millions) | 5.2148% | 1,994 |
| Cash dividends to net income (ytd only)* | 14.7287% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7230% | 604 |
| Loan loss allowance to noncurrent loans | 71.1314% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 2.9256% | 990 |
| Noncurrent loans to loans | 3.8282% | 727 |
| Net loans and leases to total assets | 74.3416% | 1,221 |
| Net loans and leases to deposits | 84.6974% | 1,752 |
| Net loans and leases to core deposits | 103.6971% | 876 |
| Total domestic deposits to total assets | 87.7732% | 2,363 |
| Equity capital to assets | 11.8700% | 1,959 |
| Core capital (leverage) ratio | 11.7267% | 1,815 |
| Tier 1 risk-based capital ratio | 14.6318% | 3,932 |
| Total risk-based capital ratio | 15.8981% | 3,873 |
| Memoranda: | ||
| Average total assets | $123,623,000 | 4,200 |
| Average earning assets | $118,810,000 | 4,073 |
| Average equity | $14,172,000 | 4,014 |
| Average total loans | $88,709,000 | 3,736 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 4,612 |
| Cost of funding earning assets | 0.6264% | 2,421 |
| Net interest margin | 3.2334% | 4,880 |
| Noninterest income to average assets | 0.1269% | 6,298 |
| Noninterest expense to average assets | 2.9689% | 3,135 |
| Loan and lease loss provision to assets | 0.8339% | 247 |
| Net operating income to assets | -0.5601% | 6,511 |
| Return on assets (ROA) | -0.5601% | 6,515 |
| Pretax return on assets | -0.5594% | 6,501 |
| Return on Equity (ROE) | -4.7595% | 6,480 |
| Retained earnings to average equity (ytd only) | -4.9618% | 6,368 |
| Net charge-offs to loans | 1.7767% | 233 |
| Credit loss provision to net charge-offs | 70.6317% | 3,294 |
| Earnings coverage of net charge-offs (x) | 0.2325% | 5,008 |
| Efficiency ratio | 91.5362% | 906 |
| Assets per employee ($millions) | 6.3653% | 1,055 |
| Cash dividends to net income (ytd only)* | -4.2493% | 6,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9094% | 521 |
| Loan loss allowance to noncurrent loans | 84.2621% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 2.3259% | 1,503 |
| Noncurrent loans to loans | 3.4528% | 920 |
| Net loans and leases to total assets | 65.4028% | 2,790 |
| Net loans and leases to deposits | 73.8012% | 3,292 |
| Net loans and leases to core deposits | 89.5077% | 2,083 |
| Total domestic deposits to total assets | 88.6202% | 1,848 |
| Equity capital to assets | 11.0813% | 2,539 |
| Core capital (leverage) ratio | 11.0006% | 2,385 |
| Tier 1 risk-based capital ratio | 15.5553% | 3,338 |
| Total risk-based capital ratio | 16.8234% | 3,280 |
| Memoranda: | ||
| Average total assets | $126,039,000 | 4,142 |
| Average earning assets | $121,480,600 | 4,021 |
| Average equity | $14,833,400 | 3,901 |
| Average total loans | $83,751,400 | 3,833 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 4,492 |
| Cost of funding earning assets | 0.6417% | 2,437 |
| Net interest margin | 3.2615% | 4,785 |
| Noninterest income to average assets | 0.1283% | 6,376 |
| Noninterest expense to average assets | 3.1062% | 2,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1633% | 6,010 |
| Return on assets (ROA) | 0.1633% | 6,077 |
| Pretax return on assets | 0.1644% | 6,107 |
| Return on Equity (ROE) | 1.3675% | 6,104 |
| Retained earnings to average equity (ytd only) | 1.1544% | 5,518 |
| Net charge-offs to loans | 0.1986% | 2,648 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.2500% | 4,423 |
| Efficiency ratio | 94.9741% | 678 |
| Assets per employee ($millions) | 6.3562% | 996 |
| Cash dividends to net income (ytd only)* | 15.5847% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4634% | 349 |
| Loan loss allowance to noncurrent loans | 64.5666% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 3.4211% | 998 |
| Noncurrent loans to loans | 5.3640% | 524 |
| Net loans and leases to total assets | 61.5695% | 3,447 |
| Net loans and leases to deposits | 70.0757% | 3,779 |
| Net loans and leases to core deposits | 88.8552% | 2,090 |
| Total domestic deposits to total assets | 87.8614% | 2,217 |
| Equity capital to assets | 11.8090% | 2,039 |
| Core capital (leverage) ratio | 12.1896% | 1,566 |
| Tier 1 risk-based capital ratio | 16.9968% | 2,705 |
| Total risk-based capital ratio | 18.2705% | 2,662 |
| Memoranda: | ||
| Average total assets | $125,722,500 | 4,193 |
| Average earning assets | $121,126,500 | 4,069 |
| Average equity | $15,015,000 | 3,908 |
| Average total loans | $83,250,250 | 3,878 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9206% | 4,400 |
| Cost of funding earning assets | 0.6554% | 2,451 |
| Net interest margin | 3.2653% | 4,709 |
| Noninterest income to average assets | 0.1309% | 6,399 |
| Noninterest expense to average assets | 3.2749% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0128% | 6,290 |
| Return on assets (ROA) | 0.0128% | 6,356 |
| Pretax return on assets | 0.0144% | 6,336 |
| Return on Equity (ROE) | 0.1066% | 6,357 |
| Retained earnings to average equity (ytd only) | -0.0533% | 5,866 |
| Net charge-offs to loans | -0.0310% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5631% | 502 |
| Assets per employee ($millions) | 6.0919% | 1,136 |
| Cash dividends to net income (ytd only)* | 150.0000% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5109% | 368 |
| Loan loss allowance to noncurrent loans | 69.0504% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 3.5005% | 1,101 |
| Noncurrent loans to loans | 5.0845% | 625 |
| Net loans and leases to total assets | 66.4300% | 2,513 |
| Net loans and leases to deposits | 75.9259% | 2,885 |
| Net loans and leases to core deposits | 97.1621% | 1,270 |
| Total domestic deposits to total assets | 87.4932% | 2,539 |
| Equity capital to assets | 12.1292% | 1,826 |
| Core capital (leverage) ratio | 12.1282% | 1,546 |
| Tier 1 risk-based capital ratio | 16.3573% | 3,004 |
| Total risk-based capital ratio | 17.6316% | 2,953 |
| Memoranda: | ||
| Average total assets | $125,255,670 | 4,237 |
| Average earning assets | $121,153,670 | 4,095 |
| Average equity | $15,016,000 | 3,940 |
| Average total loans | $83,974,670 | 3,875 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 4,524 |
| Cost of funding earning assets | 0.6767% | 2,421 |
| Net interest margin | 3.2109% | 4,893 |
| Noninterest income to average assets | 0.1260% | 6,469 |
| Noninterest expense to average assets | 3.2292% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0032% | 6,338 |
| Return on assets (ROA) | 0.0032% | 6,414 |
| Pretax return on assets | 0.0063% | 6,401 |
| Return on Equity (ROE) | 0.0264% | 6,416 |
| Retained earnings to average equity (ytd only) | -0.1321% | 5,804 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8053% | 551 |
| Assets per employee ($millions) | 6.6394% | 921 |
| Cash dividends to net income (ytd only)* | 600.0000% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6282% | 380 |
| Loan loss allowance to noncurrent loans | 64.5246% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 3.6021% | 1,164 |
| Noncurrent loans to loans | 5.6230% | 630 |
| Net loans and leases to total assets | 61.7362% | 3,117 |
| Net loans and leases to deposits | 70.3756% | 3,414 |
| Net loans and leases to core deposits | 88.5160% | 1,854 |
| Total domestic deposits to total assets | 87.7239% | 2,505 |
| Equity capital to assets | 12.0129% | 2,031 |
| Core capital (leverage) ratio | 11.6639% | 1,775 |
| Tier 1 risk-based capital ratio | 17.7762% | 2,453 |
| Total risk-based capital ratio | 19.0534% | 2,406 |
| Memoranda: | ||
| Average total assets | $126,964,500 | 4,242 |
| Average earning assets | $122,956,000 | 4,092 |
| Average equity | $15,135,000 | 3,969 |
| Average total loans | $84,021,000 | 3,901 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 2,354 |
| Cost of funding earning assets | 0.8730% | 2,115 |
| Net interest margin | 3.8891% | 2,876 |
| Noninterest income to average assets | 0.1754% | 6,146 |
| Noninterest expense to average assets | 3.8258% | 1,210 |
| Loan and lease loss provision to assets | 0.7607% | 659 |
| Net operating income to assets | -0.6707% | 6,638 |
| Return on assets (ROA) | -0.4372% | 6,581 |
| Pretax return on assets | -0.4513% | 6,550 |
| Return on Equity (ROE) | -3.1814% | 6,505 |
| Retained earnings to average equity (ytd only) | -3.3417% | 6,292 |
| Net charge-offs to loans | 0.9278% | 1,212 |
| Credit loss provision to net charge-offs | 114.0026% | 2,550 |
| Earnings coverage of net charge-offs (x) | 0.1030% | 5,438 |
| Efficiency ratio | 98.2345% | 621 |
| Assets per employee ($millions) | 5.5557% | 1,634 |
| Cash dividends to net income (ytd only)* | -5.0403% | 7,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3612% | 486 |
| Loan loss allowance to noncurrent loans | 85.3070% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 2.6898% | 1,793 |
| Noncurrent loans to loans | 3.9401% | 1,204 |
| Net loans and leases to total assets | 65.9715% | 2,532 |
| Net loans and leases to deposits | 75.0759% | 2,951 |
| Net loans and leases to core deposits | 94.6563% | 1,413 |
| Total domestic deposits to total assets | 87.8730% | 2,308 |
| Equity capital to assets | 11.8296% | 2,158 |
| Core capital (leverage) ratio | 11.5930% | 1,809 |
| Tier 1 risk-based capital ratio | 17.1304% | 2,591 |
| Total risk-based capital ratio | 18.4064% | 2,557 |
| Memoranda: | ||
| Average total assets | $113,441,000 | 4,510 |
| Average earning assets | $108,481,800 | 4,380 |
| Average equity | $15,590,800 | 3,844 |
| Average total loans | $81,591,200 | 3,991 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0387% | 1,584 |
| Cost of funding earning assets | 0.9081% | 2,117 |
| Net interest margin | 4.1306% | 1,974 |
| Noninterest income to average assets | 0.1481% | 6,408 |
| Noninterest expense to average assets | 3.9493% | 1,001 |
| Loan and lease loss provision to assets | 0.2427% | 2,624 |
| Net operating income to assets | -0.0898% | 6,397 |
| Return on assets (ROA) | 0.1032% | 6,269 |
| Pretax return on assets | 0.0850% | 6,289 |
| Return on Equity (ROE) | 0.7214% | 6,298 |
| Retained earnings to average equity (ytd only) | 0.5686% | 5,924 |
| Net charge-offs to loans | 0.0233% | 5,341 |
| Credit loss provision to net charge-offs | 1,428.5714% | 194 |
| Earnings coverage of net charge-offs (x) | 7.9272% | 2,528 |
| Efficiency ratio | 96.7013% | 650 |
| Assets per employee ($millions) | 4.9176% | 2,301 |
| Cash dividends to net income (ytd only)* | 21.1771% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9157% | 330 |
| Loan loss allowance to noncurrent loans | 96.0153% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 2.5516% | 2,066 |
| Noncurrent loans to loans | 4.0782% | 1,239 |
| Net loans and leases to total assets | 60.1183% | 3,759 |
| Net loans and leases to deposits | 69.1789% | 4,003 |
| Net loans and leases to core deposits | 88.0961% | 2,203 |
| Total domestic deposits to total assets | 86.9027% | 2,735 |
| Equity capital to assets | 12.8289% | 1,689 |
| Core capital (leverage) ratio | 13.4115% | 1,043 |
| Tier 1 risk-based capital ratio | 19.5100% | 1,878 |
| Total risk-based capital ratio | 20.7915% | 1,842 |
| Memoranda: | ||
| Average total assets | $109,856,000 | 4,643 |
| Average earning assets | $104,679,500 | 4,522 |
| Average equity | $15,709,500 | 3,858 |
| Average total loans | $80,181,250 | 4,076 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 1,058 |
| Cost of funding earning assets | 0.9413% | 2,108 |
| Net interest margin | 4.3591% | 1,309 |
| Noninterest income to average assets | 0.1555% | 6,422 |
| Noninterest expense to average assets | 4.1841% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1308% | 6,090 |
| Return on assets (ROA) | 0.1308% | 6,255 |
| Pretax return on assets | 0.1327% | 6,257 |
| Return on Equity (ROE) | 0.8796% | 6,320 |
| Retained earnings to average equity (ytd only) | 0.7266% | 5,769 |
| Net charge-offs to loans | -0.0074% | 6,228 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9258% | 662 |
| Assets per employee ($millions) | 4.5434% | 2,820 |
| Cash dividends to net income (ytd only)* | 17.3913% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5458% | 477 |
| Loan loss allowance to noncurrent loans | 138.2022% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 1.8773% | 2,934 |
| Noncurrent loans to loans | 2.5656% | 2,349 |
| Net loans and leases to total assets | 70.5746% | 1,808 |
| Net loans and leases to deposits | 82.7991% | 2,005 |
| Net loans and leases to core deposits | 110.1575% | 573 |
| Total domestic deposits to total assets | 85.2360% | 3,748 |
| Equity capital to assets | 14.4495% | 931 |
| Core capital (leverage) ratio | 14.2942% | 736 |
| Tier 1 risk-based capital ratio | 18.8055% | 2,026 |
| Total risk-based capital ratio | 20.0828% | 1,997 |
| Memoranda: | ||
| Average total assets | $105,494,330 | 4,760 |
| Average earning assets | $100,709,330 | 4,651 |
| Average equity | $15,688,670 | 3,852 |
| Average total loans | $81,267,670 | 4,067 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 855 |
| Cost of funding earning assets | 0.9302% | 2,441 |
| Net interest margin | 4.5099% | 992 |
| Noninterest income to average assets | 0.1350% | 6,578 |
| Noninterest expense to average assets | 4.3771% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0733% | 6,289 |
| Return on assets (ROA) | 0.0733% | 6,408 |
| Pretax return on assets | 0.0771% | 6,415 |
| Return on Equity (ROE) | 0.4855% | 6,446 |
| Retained earnings to average equity (ytd only) | 0.3322% | 5,881 |
| Net charge-offs to loans | -0.0098% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2684% | 623 |
| Assets per employee ($millions) | 4.4641% | 3,062 |
| Cash dividends to net income (ytd only)* | 31.5789% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4675% | 548 |
| Loan loss allowance to noncurrent loans | 214.0802% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 1.2330% | 4,077 |
| Noncurrent loans to loans | 1.6197% | 3,689 |
| Net loans and leases to total assets | 73.4840% | 1,139 |
| Net loans and leases to deposits | 86.4282% | 1,371 |
| Net loans and leases to core deposits | 116.3492% | 376 |
| Total domestic deposits to total assets | 85.0232% | 4,024 |
| Equity capital to assets | 14.6277% | 826 |
| Core capital (leverage) ratio | 15.2160% | 568 |
| Tier 1 risk-based capital ratio | 19.1897% | 1,938 |
| Total risk-based capital ratio | 20.4672% | 1,894 |
| Memoranda: | ||
| Average total assets | $103,720,500 | 4,841 |
| Average earning assets | $99,338,000 | 4,712 |
| Average equity | $15,655,000 | 3,866 |
| Average total loans | $82,009,000 | 4,064 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9129% | 505 |
| Cost of funding earning assets | 1.0813% | 2,799 |
| Net interest margin | 4.8316% | 586 |
| Noninterest income to average assets | 0.3446% | 5,056 |
| Noninterest expense to average assets | 4.2182% | 791 |
| Loan and lease loss provision to assets | 0.5222% | 2,013 |
| Net operating income to assets | 0.3711% | 4,991 |
| Return on assets (ROA) | 0.6096% | 4,135 |
| Pretax return on assets | 0.4879% | 5,026 |
| Return on Equity (ROE) | 5.4628% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.4100% | 2,365 |
| Net charge-offs to loans | 0.2105% | 4,470 |
| Credit loss provision to net charge-offs | 311.1111% | 748 |
| Earnings coverage of net charge-offs (x) | 4.5965% | 3,051 |
| Efficiency ratio | 84.5367% | 1,706 |
| Assets per employee ($millions) | 3.7149% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.9662% | 4,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4271% | 560 |
| Loan loss allowance to noncurrent loans | 434.7692% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 5,364 |
| Noncurrent loans to loans | 0.7883% | 5,103 |
| Net loans and leases to total assets | 79.3942% | 555 |
| Net loans and leases to deposits | 94.8227% | 753 |
| Net loans and leases to core deposits | 132.9028% | 213 |
| Total domestic deposits to total assets | 83.7291% | 4,438 |
| Equity capital to assets | 15.5909% | 655 |
| Core capital (leverage) ratio | 15.1767% | 577 |
| Tier 1 risk-based capital ratio | 18.8791% | 1,937 |
| Total risk-based capital ratio | 20.1546% | 1,890 |
| Memoranda: | ||
| Average total assets | $101,867,400 | 4,846 |
| Average earning assets | $97,939,000 | 4,688 |
| Average equity | $11,367,800 | 4,693 |
| Average total loans | $81,248,200 | 4,106 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 640 |
| Cost of funding earning assets | 1.1160% | 2,873 |
| Net interest margin | 4.7279% | 715 |
| Noninterest income to average assets | 0.3820% | 4,791 |
| Noninterest expense to average assets | 4.2219% | 778 |
| Loan and lease loss provision to assets | 0.2790% | 3,285 |
| Net operating income to assets | 0.4316% | 4,852 |
| Return on assets (ROA) | 0.7484% | 3,551 |
| Pretax return on assets | 0.7497% | 4,311 |
| Return on Equity (ROE) | 7.4300% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.4300% | 1,748 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5708% | 1,577 |
| Assets per employee ($millions) | 4.6526% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1837% | 736 |
| Loan loss allowance to noncurrent loans | 1,530.8571% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 6,653 |
| Noncurrent loans to loans | 0.2080% | 6,460 |
| Net loans and leases to total assets | 72.9588% | 1,517 |
| Net loans and leases to deposits | 84.1038% | 1,985 |
| Net loans and leases to core deposits | 112.2938% | 599 |
| Total domestic deposits to total assets | 86.7485% | 2,797 |
| Equity capital to assets | 12.7052% | 1,785 |
| Core capital (leverage) ratio | 13.2129% | 1,143 |
| Tier 1 risk-based capital ratio | 16.6607% | 2,778 |
| Total risk-based capital ratio | 17.9349% | 2,734 |
| Memoranda: | ||
| Average total assets | $102,258,750 | 4,859 |
| Average earning assets | $98,448,250 | 4,709 |
| Average equity | $10,300,250 | 4,966 |
| Average total loans | $80,945,250 | 4,146 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9472% | 526 |
| Cost of funding earning assets | 1.1291% | 3,041 |
| Net interest margin | 4.8181% | 586 |
| Noninterest income to average assets | 0.1675% | 6,461 |
| Noninterest expense to average assets | 4.2432% | 793 |
| Loan and lease loss provision to assets | 0.3208% | 2,861 |
| Net operating income to assets | 0.2421% | 5,588 |
| Return on assets (ROA) | 0.7304% | 3,500 |
| Pretax return on assets | 0.7324% | 4,271 |
| Return on Equity (ROE) | 8.0403% | 2,931 |
| Retained earnings to average equity (ytd only) | 8.0403% | 1,451 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2501% | 1,391 |
| Assets per employee ($millions) | 4.0776% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1334% | 802 |
| Loan loss allowance to noncurrent loans | 1,474.1573% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 6,663 |
| Noncurrent loans to loans | 0.2126% | 6,479 |
| Net loans and leases to total assets | 79.5752% | 576 |
| Net loans and leases to deposits | 87.7503% | 1,536 |
| Net loans and leases to core deposits | 121.2450% | 389 |
| Total domestic deposits to total assets | 90.6837% | 644 |
| Equity capital to assets | 8.8856% | 5,721 |
| Core capital (leverage) ratio | 9.2194% | 4,371 |
| Tier 1 risk-based capital ratio | 10.8138% | 6,646 |
| Total risk-based capital ratio | 12.0876% | 6,605 |
| Memoranda: | ||
| Average total assets | $99,124,000 | 4,986 |
| Average earning assets | $95,473,000 | 4,836 |
| Average equity | $9,004,670 | 5,326 |
| Average total loans | $79,878,000 | 4,222 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0739% | 420 |
| Cost of funding earning assets | 1.1723% | 3,001 |
| Net interest margin | 4.9016% | 464 |
| Noninterest income to average assets | 0.1760% | 6,469 |
| Noninterest expense to average assets | 4.3064% | 724 |
| Loan and lease loss provision to assets | 0.2170% | 3,482 |
| Net operating income to assets | 0.3725% | 5,061 |
| Return on assets (ROA) | 0.3725% | 5,147 |
| Pretax return on assets | 0.3766% | 5,407 |
| Return on Equity (ROE) | 4.0544% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.0544% | 3,727 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8864% | 1,528 |
| Assets per employee ($millions) | 4.4268% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2732% | 726 |
| Loan loss allowance to noncurrent loans | 1,406.7039% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 6,700 |
| Noncurrent loans to loans | 0.2327% | 6,518 |
| Net loans and leases to total assets | 76.4031% | 980 |
| Net loans and leases to deposits | 84.5614% | 1,944 |
| Net loans and leases to core deposits | 108.3589% | 824 |
| Total domestic deposits to total assets | 90.3522% | 932 |
| Equity capital to assets | 9.2525% | 4,811 |
| Core capital (leverage) ratio | 8.7162% | 5,061 |
| Tier 1 risk-based capital ratio | 10.9039% | 6,567 |
| Total risk-based capital ratio | 12.1784% | 6,533 |
| Memoranda: | ||
| Average total assets | $97,716,000 | 5,066 |
| Average earning assets | $94,174,000 | 4,910 |
| Average equity | $8,978,000 | 5,339 |
| Average total loans | $77,945,500 | 4,328 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1244% | 668 |
| Cost of funding earning assets | 1.2067% | 4,523 |
| Net interest margin | 4.9177% | 520 |
| Noninterest income to average assets | 0.1198% | 6,809 |
| Noninterest expense to average assets | 4.8017% | 496 |
| Loan and lease loss provision to assets | 2.5413% | 429 |
| Net operating income to assets | -2.5211% | 7,181 |
| Return on assets (ROA) | -2.5211% | 7,199 |
| Pretax return on assets | -2.5201% | 7,170 |
| Return on Equity (ROE) | -23.0948% | 7,091 |
| Retained earnings to average equity (ytd only) | -23.0948% | 7,069 |
| Net charge-offs to loans | 1.5523% | 1,413 |
| Credit loss provision to net charge-offs | 208.3406% | 1,476 |
| Earnings coverage of net charge-offs (x) | 0.0174% | 6,105 |
| Efficiency ratio | 99.5605% | 789 |
| Assets per employee ($millions) | 4.9021% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1217% | 785 |
| Loan loss allowance to noncurrent loans | 1,339.6739% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 6,759 |
| Noncurrent loans to loans | 0.2330% | 6,595 |
| Net loans and leases to total assets | 78.0268% | 941 |
| Net loans and leases to deposits | 86.7454% | 1,972 |
| Net loans and leases to core deposits | 112.7090% | 783 |
| Total domestic deposits to total assets | 89.9492% | 1,128 |
| Equity capital to assets | 9.1236% | 4,956 |
| Core capital (leverage) ratio | 8.1194% | 5,978 |
| Tier 1 risk-based capital ratio | 10.3830% | 6,775 |
| Total risk-based capital ratio | 11.6542% | 6,741 |
| Memoranda: | ||
| Average total assets | $94,362,000 | 5,149 |
| Average earning assets | $90,245,200 | 5,009 |
| Average equity | $10,301,000 | 5,040 |
| Average total loans | $74,147,000 | 4,520 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0459% | 850 |
| Cost of funding earning assets | 1.1769% | 4,998 |
| Net interest margin | 4.8690% | 585 |
| Noninterest income to average assets | 0.1270% | 6,920 |
| Noninterest expense to average assets | 4.9598% | 396 |
| Loan and lease loss provision to assets | 1.6124% | 799 |
| Net operating income to assets | -1.8007% | 7,184 |
| Return on assets (ROA) | -1.8007% | 7,198 |
| Pretax return on assets | -1.7993% | 7,137 |
| Return on Equity (ROE) | -15.8141% | 7,132 |
| Retained earnings to average equity (ytd only) | -15.8141% | 7,105 |
| Net charge-offs to loans | 0.9688% | 2,059 |
| Credit loss provision to net charge-offs | 213.2075% | 1,647 |
| Earnings coverage of net charge-offs (x) | -0.2472% | 6,212 |
| Efficiency ratio | 103.9163% | 639 |
| Assets per employee ($millions) | 5.1655% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2167% | 1,774 |
| Loan loss allowance to noncurrent loans | 1,623.2143% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 7,069 |
| Noncurrent loans to loans | 0.1366% | 6,905 |
| Net loans and leases to total assets | 81.7126% | 530 |
| Net loans and leases to deposits | 91.4863% | 1,515 |
| Net loans and leases to core deposits | 117.3245% | 705 |
| Total domestic deposits to total assets | 89.3167% | 1,220 |
| Equity capital to assets | 10.2238% | 3,847 |
| Core capital (leverage) ratio | 9.6186% | 3,740 |
| Tier 1 risk-based capital ratio | 11.1044% | 6,278 |
| Total risk-based capital ratio | 12.3658% | 6,260 |
| Memoranda: | ||
| Average total assets | $93,442,000 | 5,236 |
| Average earning assets | $89,160,750 | 5,103 |
| Average equity | $10,640,000 | 5,009 |
| Average total loans | $72,942,750 | 4,640 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 998 |
| Cost of funding earning assets | 1.1293% | 5,524 |
| Net interest margin | 4.8486% | 602 |
| Noninterest income to average assets | 0.1502% | 6,813 |
| Noninterest expense to average assets | 5.0199% | 371 |
| Loan and lease loss provision to assets | 1.1777% | 1,199 |
| Net operating income to assets | -1.4324% | 7,131 |
| Return on assets (ROA) | -1.4324% | 7,138 |
| Pretax return on assets | -1.4302% | 7,056 |
| Return on Equity (ROE) | -12.1380% | 7,045 |
| Retained earnings to average equity (ytd only) | -12.1380% | 7,003 |
| Net charge-offs to loans | 0.5721% | 2,823 |
| Credit loss provision to net charge-offs | 270.5000% | 1,393 |
| Earnings coverage of net charge-offs (x) | -0.5800% | 6,037 |
| Efficiency ratio | 105.2968% | 645 |
| Assets per employee ($millions) | 5.2232% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0962% | 1,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.4182% | 2,055 |
| Net loans and leases to deposits | 82.5499% | 3,173 |
| Net loans and leases to core deposits | 110.4708% | 1,135 |
| Total domestic deposits to total assets | 88.9380% | 1,473 |
| Equity capital to assets | 10.6911% | 3,178 |
| Core capital (leverage) ratio | 10.5483% | 2,585 |
| Tier 1 risk-based capital ratio | 12.5130% | 4,848 |
| Total risk-based capital ratio | 13.7718% | 4,813 |
| Memoranda: | ||
| Average total assets | $91,874,670 | 5,325 |
| Average earning assets | $87,490,000 | 5,196 |
| Average equity | $10,842,000 | 4,957 |
| Average total loans | $69,919,000 | 4,796 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9835% | 1,008 |
| Cost of funding earning assets | 1.1088% | 5,859 |
| Net interest margin | 4.8748% | 558 |
| Noninterest income to average assets | 0.1179% | 7,102 |
| Noninterest expense to average assets | 5.2341% | 309 |
| Loan and lease loss provision to assets | 1.1838% | 1,028 |
| Net operating income to assets | -1.6782% | 7,380 |
| Return on assets (ROA) | -1.6782% | 7,383 |
| Pretax return on assets | -1.6736% | 7,308 |
| Return on Equity (ROE) | -13.5061% | 7,272 |
| Retained earnings to average equity (ytd only) | -13.5061% | 7,146 |
| Net charge-offs to loans | 1.1822% | 1,437 |
| Credit loss provision to net charge-offs | 130.5000% | 2,702 |
| Earnings coverage of net charge-offs (x) | -0.5400% | 5,294 |
| Efficiency ratio | 110.3250% | 589 |
| Assets per employee ($millions) | 4.3018% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 2,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 76.0599% | 1,535 |
| Net loans and leases to deposits | 86.8385% | 2,439 |
| Net loans and leases to core deposits | 110.0239% | 1,266 |
| Total domestic deposits to total assets | 87.5877% | 2,306 |
| Equity capital to assets | 11.9396% | 2,075 |
| Core capital (leverage) ratio | 11.7083% | 1,797 |
| Tier 1 risk-based capital ratio | 13.5864% | 3,936 |
| Total risk-based capital ratio | 14.8427% | 3,897 |
| Memoranda: | ||
| Average total assets | $88,191,500 | 5,508 |
| Average earning assets | $83,696,500 | 5,373 |
| Average equity | $10,958,000 | 4,987 |
| Average total loans | $67,668,000 | 4,945 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 5,871 |
| Cost of funding earning assets | 1.1012% | 6,978 |
| Net interest margin | 4.0502% | 2,651 |
| Noninterest income to average assets | 0.0815% | 7,346 |
| Noninterest expense to average assets | 6.7639% | 223 |
| Loan and lease loss provision to assets | 1.0902% | 2,095 |
| Net operating income to assets | -3.9879% | 7,604 |
| Return on assets (ROA) | -3.9879% | 7,600 |
| Pretax return on assets | -3.9865% | 7,519 |
| Return on Equity (ROE) | -23.6437% | 7,252 |
| Retained earnings to average equity (ytd only) | -23.6437% | 7,227 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.8839% | 202 |
| Assets per employee ($millions) | 4.3023% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 2,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.5284% | 2,137 |
| Net loans and leases to deposits | 86.1033% | 2,900 |
| Net loans and leases to core deposits | 101.2425% | 3,878 |
| Total domestic deposits to total assets | 86.5570% | 2,729 |
| Equity capital to assets | 12.9351% | 1,532 |
| Core capital (leverage) ratio | 13.1684% | 1,191 |
| Tier 1 risk-based capital ratio | 14.9003% | 3,006 |
| Total risk-based capital ratio | 16.1558% | 2,942 |
| Memoranda: | ||
| Average total assets | $72,369,400 | 5,932 |
| Average earning assets | $67,651,000 | 5,884 |
| Average equity | $12,206,200 | 4,704 |
| Average total loans | $47,252,000 | 5,792 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 6,769 |
| Cost of funding earning assets | 1.1213% | 7,129 |
| Net interest margin | 3.8269% | 3,545 |
| Noninterest income to average assets | 0.0638% | 7,591 |
| Noninterest expense to average assets | 7.3616% | 181 |
| Loan and lease loss provision to assets | 0.7909% | 2,388 |
| Net operating income to assets | -4.5268% | 7,796 |
| Return on assets (ROA) | -4.5268% | 7,801 |
| Pretax return on assets | -4.5249% | 7,758 |
| Return on Equity (ROE) | -25.0196% | 7,505 |
| Retained earnings to average equity (ytd only) | -25.0196% | 7,484 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.9318% | 147 |
| Assets per employee ($millions) | 4.0277% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,437 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 68.2991% | 3,888 |
| Net loans and leases to deposits | 80.3344% | 4,334 |
| Net loans and leases to core deposits | 102.5308% | 4,103 |
| Total domestic deposits to total assets | 85.0186% | 3,226 |
| Equity capital to assets | 14.4402% | 1,161 |
| Core capital (leverage) ratio | 14.4627% | 961 |
| Tier 1 risk-based capital ratio | 17.8399% | 2,037 |
| Total risk-based capital ratio | 19.0915% | 1,984 |
| Memoranda: | ||
| Average total assets | $68,950,500 | 6,077 |
| Average earning assets | $64,210,000 | 6,029 |
| Average equity | $12,475,250 | 4,664 |
| Average total loans | $42,728,500 | 6,036 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7317% | 7,349 |
| Cost of funding earning assets | 1.1190% | 7,326 |
| Net interest margin | 3.6127% | 4,314 |
| Noninterest income to average assets | 0.0584% | 7,696 |
| Noninterest expense to average assets | 8.1373% | 159 |
| Loan and lease loss provision to assets | 0.8328% | 2,011 |
| Net operating income to assets | -5.5713% | 7,979 |
| Return on assets (ROA) | -5.5713% | 7,971 |
| Pretax return on assets | -5.5683% | 7,926 |
| Return on Equity (ROE) | -28.4251% | 7,689 |
| Retained earnings to average equity (ytd only) | -28.4251% | 7,664 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 239.2051% | 130 |
| Assets per employee ($millions) | 3.2689% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4560% | 3,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.0147% | 5,182 |
| Net loans and leases to deposits | 75.5024% | 5,242 |
| Net loans and leases to core deposits | 93.6193% | 5,162 |
| Total domestic deposits to total assets | 83.4606% | 4,032 |
| Equity capital to assets | 16.0207% | 820 |
| Core capital (leverage) ratio | 18.2695% | 479 |
| Tier 1 risk-based capital ratio | 20.1340% | 1,553 |
| Total risk-based capital ratio | 21.3946% | 1,513 |
| Memoranda: | ||
| Average total assets | $65,083,000 | 6,258 |
| Average earning assets | $60,232,330 | 6,213 |
| Average equity | $12,756,330 | 4,610 |
| Average total loans | $38,353,000 | 6,278 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 7,484 |
| Cost of funding earning assets | 1.0659% | 7,572 |
| Net interest margin | 3.6516% | 4,092 |
| Noninterest income to average assets | 0.0666% | 7,735 |
| Noninterest expense to average assets | 8.6220% | 138 |
| Loan and lease loss provision to assets | 0.5664% | 2,220 |
| Net operating income to assets | -5.7436% | 8,077 |
| Return on assets (ROA) | -5.7436% | 8,068 |
| Pretax return on assets | -5.7436% | 8,035 |
| Return on Equity (ROE) | -26.2965% | 7,865 |
| Retained earnings to average equity (ytd only) | -26.2965% | 7,799 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 250.2901% | 124 |
| Assets per employee ($millions) | 2.0453% | 7,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 3,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 58.1293% | 5,923 |
| Net loans and leases to deposits | 80.5506% | 4,528 |
| Net loans and leases to core deposits | 89.3708% | 5,614 |
| Total domestic deposits to total assets | 72.1650% | 7,184 |
| Equity capital to assets | 20.8938% | 368 |
| Core capital (leverage) ratio | 22.7174% | 291 |
| Tier 1 risk-based capital ratio | 27.9259% | 758 |
| Total risk-based capital ratio | 29.1203% | 745 |
| Memoranda: | ||
| Average total assets | $60,032,500 | 6,469 |
| Average earning assets | $55,538,000 | 6,433 |
| Average equity | $13,112,000 | 4,558 |
| Average total loans | $33,491,000 | 6,564 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 8,125 |
| Cost of funding earning assets | 1.0151% | 8,049 |
| Net interest margin | 2.7150% | 7,471 |
| Noninterest income to average assets | 0.0269% | 7,997 |
| Noninterest expense to average assets | 10.4483% | 130 |
| Loan and lease loss provision to assets | 0.9613% | 1,533 |
| Net operating income to assets | -8.8978% | 8,243 |
| Return on assets (ROA) | -8.8978% | 8,240 |
| Pretax return on assets | -8.8955% | 8,227 |
| Return on Equity (ROE) | -25.9855% | 7,878 |
| Retained earnings to average equity (ytd only) | -25.9855% | 7,827 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 415.5971% | 63 |
| Assets per employee ($millions) | 2.2580% | 7,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 51.7349% | 6,868 |
| Net loans and leases to deposits | 67.3990% | 6,515 |
| Net loans and leases to core deposits | 73.9356% | 6,969 |
| Total domestic deposits to total assets | 76.7592% | 6,048 |
| Equity capital to assets | 22.8320% | 324 |
| Core capital (leverage) ratio | 28.0579% | 207 |
| Tier 1 risk-based capital ratio | 34.5015% | 464 |
| Total risk-based capital ratio | 35.6585% | 453 |
| Memoranda: | ||
| Average total assets | $44,629,200 | 7,003 |
| Average earning assets | $40,884,400 | 7,003 |
| Average equity | $15,281,600 | 4,078 |
| Average total loans | $14,778,800 | 7,661 |