Home > People's Bank of Commerce > Performance and Condition Ratios
People's Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9460% | 2,188 |
| Cost of funding earning assets | 1.0802% | 3,112 |
| Net interest margin | 3.8658% | 1,450 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.9874% | 1,147 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8480% | 2,711 |
| Return on assets (ROA) | 0.1759% | 4,207 |
| Pretax return on assets | 0.2362% | 4,155 |
| Return on Equity (ROE) | 1.6400% | 4,192 |
| Retained earnings to average equity (ytd only) | 1.6375% | 3,668 |
| Net charge-offs to loans | 0.0229% | 1,867 |
| Credit loss provision to net charge-offs | 435.0427% | 739 |
| Earnings coverage of net charge-offs (x) | 78.7607% | 1,032 |
| Efficiency ratio | 72.0476% | 1,656 |
| Assets per employee ($millions) | 5.7946% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 2,796 |
| Loan loss allowance to noncurrent loans | 2,281.3230% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,171 |
| Noncurrent loans to loans | 0.0485% | 3,379 |
| Net loans and leases to total assets | 68.4900% | 1,979 |
| Net loans and leases to deposits | 81.8436% | 1,959 |
| Net loans and leases to core deposits | 83.3281% | 2,505 |
| Total domestic deposits to total assets | 83.6800% | 2,712 |
| Equity capital to assets | 11.9812% | 1,128 |
| Core capital (leverage) ratio | 12.4934% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $800,942,000 | 1,184 |
| Average earning assets | $724,306,600 | 1,194 |
| Average equity | $86,046,600 | 1,070 |
| Average total loans | $511,949,600 | 1,205 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 2,202 |
| Cost of funding earning assets | 0.9594% | 3,134 |
| Net interest margin | 3.8714% | 1,459 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.9380% | 1,163 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8558% | 2,842 |
| Return on assets (ROA) | 0.8558% | 2,825 |
| Pretax return on assets | 1.1493% | 2,419 |
| Return on Equity (ROE) | 8.1900% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.1891% | 1,890 |
| Net charge-offs to loans | 0.0100% | 2,028 |
| Credit loss provision to net charge-offs | 586.8421% | 567 |
| Earnings coverage of net charge-offs (x) | 189.6053% | 622 |
| Efficiency ratio | 71.0973% | 1,668 |
| Assets per employee ($millions) | 5.4810% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 3,001 |
| Loan loss allowance to noncurrent loans | 2,200.7782% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 3,164 |
| Noncurrent loans to loans | 0.0488% | 3,405 |
| Net loans and leases to total assets | 64.2200% | 2,418 |
| Net loans and leases to deposits | 79.6356% | 2,083 |
| Net loans and leases to core deposits | 81.0694% | 2,525 |
| Total domestic deposits to total assets | 80.6400% | 3,440 |
| Equity capital to assets | 10.4402% | 1,582 |
| Core capital (leverage) ratio | 12.5167% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $809,954,750 | 1,167 |
| Average earning assets | $732,953,250 | 1,189 |
| Average equity | $84,647,500 | 1,080 |
| Average total loans | $507,503,250 | 1,214 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 2,139 |
| Cost of funding earning assets | 0.7694% | 3,300 |
| Net interest margin | 3.9629% | 1,308 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 3.0346% | 986 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.8756% | 2,837 |
| Return on assets (ROA) | 0.8756% | 2,827 |
| Pretax return on assets | 1.1733% | 2,437 |
| Return on Equity (ROE) | 8.3700% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.3750% | 1,855 |
| Net charge-offs to loans | 0.0072% | 1,964 |
| Credit loss provision to net charge-offs | -161.1111% | 4,554 |
| Earnings coverage of net charge-offs (x) | 262.2222% | 498 |
| Efficiency ratio | 72.0990% | 1,548 |
| Assets per employee ($millions) | 5.7250% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,089 |
| Loan loss allowance to noncurrent loans | 1,017.6360% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 2,827 |
| Noncurrent loans to loans | 0.1051% | 2,962 |
| Net loans and leases to total assets | 61.7000% | 2,608 |
| Net loans and leases to deposits | 75.6993% | 2,340 |
| Net loans and leases to core deposits | 76.8176% | 2,706 |
| Total domestic deposits to total assets | 81.5100% | 3,335 |
| Equity capital to assets | 10.5580% | 1,568 |
| Core capital (leverage) ratio | 12.4863% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $809,542,667 | 1,169 |
| Average earning assets | $732,789,000 | 1,183 |
| Average equity | $84,633,333 | 1,072 |
| Average total loans | $501,146,333 | 1,210 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,944 |
| Cost of funding earning assets | 0.5488% | 3,538 |
| Net interest margin | 4.1134% | 1,078 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 3.0576% | 985 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8848% | 2,902 |
| Return on assets (ROA) | 0.8848% | 2,857 |
| Pretax return on assets | 1.1814% | 2,475 |
| Return on Equity (ROE) | 8.5100% | 3,177 |
| Retained earnings to average equity (ytd only) | 8.5061% | 2,080 |
| Net charge-offs to loans | 0.0161% | 1,373 |
| Credit loss provision to net charge-offs | 285.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 122.1500% | 699 |
| Efficiency ratio | 71.5131% | 1,578 |
| Assets per employee ($millions) | 5.5560% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,094 |
| Loan loss allowance to noncurrent loans | 469.9659% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 2,250 |
| Noncurrent loans to loans | 0.2325% | 2,340 |
| Net loans and leases to total assets | 61.4600% | 2,517 |
| Net loans and leases to deposits | 72.7194% | 2,404 |
| Net loans and leases to core deposits | 73.5824% | 2,706 |
| Total domestic deposits to total assets | 84.5100% | 2,972 |
| Equity capital to assets | 10.6835% | 1,466 |
| Core capital (leverage) ratio | 12.3941% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $807,836,000 | 1,189 |
| Average earning assets | $731,762,000 | 1,199 |
| Average equity | $84,034,000 | 1,091 |
| Average total loans | $498,203,500 | 1,230 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 1,055 |
| Cost of funding earning assets | 0.1141% | 4,317 |
| Net interest margin | 4.1840% | 559 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.7342% | 1,478 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2467% | 1,613 |
| Return on assets (ROA) | 1.2467% | 1,563 |
| Pretax return on assets | 1.6656% | 1,006 |
| Return on Equity (ROE) | 12.3600% | 2,016 |
| Retained earnings to average equity (ytd only) | 12.0086% | 666 |
| Net charge-offs to loans | 0.0252% | 1,556 |
| Credit loss provision to net charge-offs | 772.7273% | 506 |
| Earnings coverage of net charge-offs (x) | 125.3306% | 866 |
| Efficiency ratio | 60.5010% | 2,985 |
| Assets per employee ($millions) | 5.5102% | 3,206 |
| Cash dividends to net income (ytd only)* | 2.8166% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,104 |
| Loan loss allowance to noncurrent loans | 433.9465% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 2,261 |
| Noncurrent loans to loans | 0.2429% | 2,307 |
| Net loans and leases to total assets | 60.5600% | 2,588 |
| Net loans and leases to deposits | 69.1459% | 2,655 |
| Net loans and leases to core deposits | 69.5294% | 2,915 |
| Total domestic deposits to total assets | 87.5800% | 2,206 |
| Equity capital to assets | 10.1189% | 1,653 |
| Core capital (leverage) ratio | 11.8909% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $854,351,000 | 1,127 |
| Average earning assets | $781,768,000 | 1,131 |
| Average equity | $86,196,600 | 1,068 |
| Average total loans | $480,782,600 | 1,210 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 916 |
| Cost of funding earning assets | 0.1000% | 4,282 |
| Net interest margin | 4.0840% | 532 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 2.6518% | 1,588 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.3011% | 1,349 |
| Return on assets (ROA) | 1.3011% | 1,312 |
| Pretax return on assets | 1.7295% | 849 |
| Return on Equity (ROE) | 12.9100% | 1,726 |
| Retained earnings to average equity (ytd only) | 12.4475% | 705 |
| Net charge-offs to loans | 0.0184% | 1,471 |
| Credit loss provision to net charge-offs | 806.0606% | 469 |
| Earnings coverage of net charge-offs (x) | 178.4242% | 665 |
| Efficiency ratio | 59.2811% | 3,211 |
| Assets per employee ($millions) | 5.8918% | 2,856 |
| Cash dividends to net income (ytd only)* | 3.5465% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,340 |
| Loan loss allowance to noncurrent loans | 924.0458% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 2,984 |
| Noncurrent loans to loans | 0.1116% | 3,089 |
| Net loans and leases to total assets | 55.1400% | 2,992 |
| Net loans and leases to deposits | 62.8949% | 2,956 |
| Net loans and leases to core deposits | 63.2270% | 3,173 |
| Total domestic deposits to total assets | 87.6600% | 2,531 |
| Equity capital to assets | 10.4251% | 1,407 |
| Core capital (leverage) ratio | 12.2524% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $866,815,250 | 1,121 |
| Average earning assets | $795,792,000 | 1,124 |
| Average equity | $87,394,250 | 1,072 |
| Average total loans | $477,886,000 | 1,214 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 832 |
| Cost of funding earning assets | 0.0837% | 4,336 |
| Net interest margin | 3.9809% | 515 |
| Noninterest income to average assets | 0.7141% | 1,283 |
| Noninterest expense to average assets | 2.7084% | 1,370 |
| Loan and lease loss provision to assets | 0.0866% | 1,145 |
| Net operating income to assets | 1.1992% | 1,431 |
| Return on assets (ROA) | 1.1992% | 1,414 |
| Pretax return on assets | 1.5919% | 959 |
| Return on Equity (ROE) | 12.0255% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.3378% | 732 |
| Net charge-offs to loans | -0.0050% | 3,344 |
| Credit loss provision to net charge-offs | -3,158.3333% | 3,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6018% | 3,092 |
| Assets per employee ($millions) | 5.7868% | 2,938 |
| Cash dividends to net income (ytd only)* | 5.7186% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,573 |
| Loan loss allowance to noncurrent loans | 914.9712% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 3,063 |
| Noncurrent loans to loans | 0.1098% | 3,204 |
| Net loans and leases to total assets | 54.8516% | 2,876 |
| Net loans and leases to deposits | 62.5743% | 2,845 |
| Net loans and leases to core deposits | 62.7398% | 3,058 |
| Total domestic deposits to total assets | 87.6583% | 2,707 |
| Equity capital to assets | 10.3908% | 1,484 |
| Core capital (leverage) ratio | 11.7338% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $874,911,000 | 1,104 |
| Average earning assets | $807,195,000 | 1,116 |
| Average equity | $87,247,667 | 1,080 |
| Average total loans | $480,724,000 | 1,208 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 793 |
| Cost of funding earning assets | 0.0861% | 4,290 |
| Net interest margin | 3.9020% | 500 |
| Noninterest income to average assets | 0.6963% | 1,328 |
| Noninterest expense to average assets | 2.6199% | 1,553 |
| Loan and lease loss provision to assets | 0.1203% | 691 |
| Net operating income to assets | 1.1785% | 1,304 |
| Return on assets (ROA) | 1.1785% | 1,302 |
| Pretax return on assets | 1.5658% | 889 |
| Return on Equity (ROE) | 12.0635% | 1,290 |
| Retained earnings to average equity (ytd only) | 10.6743% | 854 |
| Net charge-offs to loans | -0.0033% | 3,219 |
| Credit loss provision to net charge-offs | -6,650.0000% | 3,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7060% | 3,409 |
| Assets per employee ($millions) | 6.0976% | 2,716 |
| Cash dividends to net income (ytd only)* | 11.5163% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,861 |
| Loan loss allowance to noncurrent loans | 871.6698% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 3,173 |
| Noncurrent loans to loans | 0.1106% | 3,281 |
| Net loans and leases to total assets | 52.5185% | 2,939 |
| Net loans and leases to deposits | 59.7876% | 2,921 |
| Net loans and leases to core deposits | 60.3899% | 3,107 |
| Total domestic deposits to total assets | 87.8417% | 2,599 |
| Equity capital to assets | 10.3116% | 1,683 |
| Core capital (leverage) ratio | 11.7495% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $884,146,500 | 1,098 |
| Average earning assets | $817,941,000 | 1,102 |
| Average equity | $86,376,000 | 1,126 |
| Average total loans | $483,817,000 | 1,189 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 576 |
| Cost of funding earning assets | 0.1324% | 4,134 |
| Net interest margin | 4.3973% | 337 |
| Noninterest income to average assets | 1.0813% | 882 |
| Noninterest expense to average assets | 3.2219% | 702 |
| Loan and lease loss provision to assets | 0.0144% | 2,795 |
| Net operating income to assets | 1.4925% | 1,035 |
| Return on assets (ROA) | 1.4925% | 1,090 |
| Pretax return on assets | 1.8937% | 731 |
| Return on Equity (ROE) | 16.0859% | 743 |
| Retained earnings to average equity (ytd only) | 16.0859% | 168 |
| Net charge-offs to loans | 0.0396% | 1,468 |
| Credit loss provision to net charge-offs | 59.0426% | 2,069 |
| Earnings coverage of net charge-offs (x) | 78.0213% | 1,014 |
| Efficiency ratio | 62.6702% | 2,766 |
| Assets per employee ($millions) | 6.1410% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 4,063 |
| Loan loss allowance to noncurrent loans | 802.9358% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 3,051 |
| Noncurrent loans to loans | 0.1122% | 3,365 |
| Net loans and leases to total assets | 55.9999% | 2,611 |
| Net loans and leases to deposits | 62.9989% | 2,784 |
| Net loans and leases to core deposits | 63.6861% | 3,010 |
| Total domestic deposits to total assets | 88.8903% | 1,576 |
| Equity capital to assets | 9.1965% | 3,426 |
| Core capital (leverage) ratio | 9.1134% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $768,715,200 | 1,197 |
| Average earning assets | $707,774,800 | 1,208 |
| Average equity | $71,323,400 | 1,328 |
| Average total loans | $475,206,400 | 1,207 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 579 |
| Cost of funding earning assets | 0.1412% | 4,185 |
| Net interest margin | 4.4526% | 340 |
| Noninterest income to average assets | 1.2462% | 744 |
| Noninterest expense to average assets | 3.4475% | 496 |
| Loan and lease loss provision to assets | -0.0048% | 4,304 |
| Net operating income to assets | 1.5185% | 1,226 |
| Return on assets (ROA) | 1.5185% | 1,276 |
| Pretax return on assets | 1.8950% | 958 |
| Return on Equity (ROE) | 16.3252% | 884 |
| Retained earnings to average equity (ytd only) | 16.3252% | 275 |
| Net charge-offs to loans | 0.0350% | 1,377 |
| Credit loss provision to net charge-offs | -21.7742% | 3,085 |
| Earnings coverage of net charge-offs (x) | 85.2823% | 946 |
| Efficiency ratio | 64.5883% | 2,305 |
| Assets per employee ($millions) | 6.0406% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 4,199 |
| Loan loss allowance to noncurrent loans | 772.3519% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 3,062 |
| Noncurrent loans to loans | 0.1143% | 3,518 |
| Net loans and leases to total assets | 57.1328% | 2,596 |
| Net loans and leases to deposits | 64.3641% | 2,812 |
| Net loans and leases to core deposits | 65.1136% | 3,031 |
| Total domestic deposits to total assets | 88.7650% | 1,422 |
| Equity capital to assets | 9.1670% | 3,686 |
| Core capital (leverage) ratio | 8.8485% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $745,958,000 | 1,245 |
| Average earning assets | $685,458,250 | 1,262 |
| Average equity | $69,387,750 | 1,374 |
| Average total loans | $472,550,000 | 1,234 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 687 |
| Cost of funding earning assets | 0.1512% | 4,198 |
| Net interest margin | 4.3886% | 421 |
| Noninterest income to average assets | 1.6593% | 448 |
| Noninterest expense to average assets | 3.8257% | 329 |
| Loan and lease loss provision to assets | -0.1050% | 4,634 |
| Net operating income to assets | 1.6405% | 964 |
| Return on assets (ROA) | 1.6405% | 1,015 |
| Pretax return on assets | 1.9626% | 898 |
| Return on Equity (ROE) | 17.5356% | 710 |
| Retained earnings to average equity (ytd only) | 17.5356% | 242 |
| Net charge-offs to loans | 0.0013% | 2,186 |
| Credit loss provision to net charge-offs | -12,466.6667% | 4,067 |
| Earnings coverage of net charge-offs (x) | 2,206.6667% | 44 |
| Efficiency ratio | 67.3135% | 1,967 |
| Assets per employee ($millions) | 5.8409% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8172% | 4,339 |
| Loan loss allowance to noncurrent loans | 530.7292% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 2,860 |
| Noncurrent loans to loans | 0.1540% | 3,432 |
| Net loans and leases to total assets | 61.3767% | 2,255 |
| Net loans and leases to deposits | 69.3886% | 2,482 |
| Net loans and leases to core deposits | 70.7870% | 2,705 |
| Total domestic deposits to total assets | 88.4537% | 1,591 |
| Equity capital to assets | 9.3132% | 3,499 |
| Core capital (leverage) ratio | 8.7901% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $712,715,333 | 1,284 |
| Average earning assets | $653,511,667 | 1,297 |
| Average equity | $66,675,667 | 1,407 |
| Average total loans | $467,578,000 | 1,249 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 1,079 |
| Cost of funding earning assets | 0.1404% | 4,380 |
| Net interest margin | 4.1376% | 676 |
| Noninterest income to average assets | 2.6106% | 254 |
| Noninterest expense to average assets | 4.6159% | 200 |
| Loan and lease loss provision to assets | -0.0751% | 4,689 |
| Net operating income to assets | 1.7368% | 885 |
| Return on assets (ROA) | 1.7368% | 935 |
| Pretax return on assets | 1.8569% | 1,184 |
| Return on Equity (ROE) | 18.5150% | 668 |
| Retained earnings to average equity (ytd only) | 18.5150% | 338 |
| Net charge-offs to loans | 0.0027% | 1,829 |
| Credit loss provision to net charge-offs | -4,166.6667% | 3,690 |
| Earnings coverage of net charge-offs (x) | 989.0000% | 97 |
| Efficiency ratio | 72.1487% | 1,481 |
| Assets per employee ($millions) | 5.6554% | 2,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8061% | 4,398 |
| Loan loss allowance to noncurrent loans | 491.4773% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 2,962 |
| Noncurrent loans to loans | 0.1640% | 3,519 |
| Net loans and leases to total assets | 65.8125% | 1,816 |
| Net loans and leases to deposits | 73.9904% | 2,122 |
| Net loans and leases to core deposits | 75.5227% | 2,392 |
| Total domestic deposits to total assets | 88.9473% | 1,369 |
| Equity capital to assets | 8.9180% | 3,766 |
| Core capital (leverage) ratio | 10.7412% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $666,049,000 | 1,334 |
| Average earning assets | $609,625,000 | 1,351 |
| Average equity | $62,479,000 | 1,466 |
| Average total loans | $451,966,000 | 1,284 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 514 |
| Cost of funding earning assets | 0.2413% | 4,417 |
| Net interest margin | 4.7340% | 199 |
| Noninterest income to average assets | 1.5191% | 527 |
| Noninterest expense to average assets | 3.6818% | 540 |
| Loan and lease loss provision to assets | 0.2944% | 1,281 |
| Net operating income to assets | 1.3490% | 1,129 |
| Return on assets (ROA) | 1.3549% | 1,209 |
| Pretax return on assets | 1.7830% | 713 |
| Return on Equity (ROE) | 12.7178% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.7178% | 256 |
| Net charge-offs to loans | -0.0009% | 3,930 |
| Credit loss provision to net charge-offs | -44,400.0000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0129% | 2,819 |
| Assets per employee ($millions) | 4.9375% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 3,300 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.3409% | 1,643 |
| Net loans and leases to deposits | 79.6306% | 1,909 |
| Net loans and leases to core deposits | 81.0826% | 2,268 |
| Total domestic deposits to total assets | 87.0782% | 1,902 |
| Equity capital to assets | 10.0952% | 3,038 |
| Core capital (leverage) ratio | 9.4742% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,492,600 | 1,691 |
| Average earning assets | $404,559,000 | 1,755 |
| Average equity | $48,208,000 | 1,748 |
| Average total loans | $341,916,600 | 1,530 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 590 |
| Cost of funding earning assets | 0.2671% | 4,444 |
| Net interest margin | 4.7439% | 233 |
| Noninterest income to average assets | 1.4429% | 553 |
| Noninterest expense to average assets | 3.5580% | 650 |
| Loan and lease loss provision to assets | 0.3531% | 1,070 |
| Net operating income to assets | 1.3512% | 1,229 |
| Return on assets (ROA) | 1.3595% | 1,304 |
| Pretax return on assets | 1.7636% | 844 |
| Return on Equity (ROE) | 12.5619% | 1,231 |
| Retained earnings to average equity (ytd only) | 12.5619% | 365 |
| Net charge-offs to loans | -0.0008% | 3,804 |
| Credit loss provision to net charge-offs | -57,550.0000% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8154% | 2,939 |
| Assets per employee ($millions) | 4.8602% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 3,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 3,408 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.9563% | 970 |
| Net loans and leases to deposits | 89.1980% | 1,349 |
| Net loans and leases to core deposits | 90.9507% | 1,891 |
| Total domestic deposits to total assets | 86.2758% | 1,946 |
| Equity capital to assets | 10.1583% | 3,093 |
| Core capital (leverage) ratio | 9.8386% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $434,771,250 | 1,723 |
| Average earning assets | $386,874,250 | 1,788 |
| Average equity | $47,051,000 | 1,775 |
| Average total loans | $335,553,750 | 1,546 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1332% | 648 |
| Cost of funding earning assets | 0.3050% | 4,464 |
| Net interest margin | 4.8282% | 271 |
| Noninterest income to average assets | 1.2577% | 640 |
| Noninterest expense to average assets | 3.5148% | 737 |
| Loan and lease loss provision to assets | 0.4380% | 883 |
| Net operating income to assets | 1.2019% | 1,631 |
| Return on assets (ROA) | 1.2092% | 1,743 |
| Pretax return on assets | 1.5852% | 1,261 |
| Return on Equity (ROE) | 10.9034% | 1,663 |
| Retained earnings to average equity (ytd only) | 10.9034% | 616 |
| Net charge-offs to loans | -0.0013% | 3,770 |
| Credit loss provision to net charge-offs | -45,200.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5734% | 2,874 |
| Assets per employee ($millions) | 4.8446% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7097% | 1,733 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 74.6971% | 1,321 |
| Net loans and leases to deposits | 93.5793% | 1,000 |
| Net loans and leases to core deposits | 95.5318% | 1,610 |
| Total domestic deposits to total assets | 79.8223% | 3,873 |
| Equity capital to assets | 9.9045% | 3,281 |
| Core capital (leverage) ratio | 10.3642% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,829,333 | 1,772 |
| Average earning assets | $365,189,000 | 1,837 |
| Average equity | $45,784,000 | 1,798 |
| Average total loans | $317,567,667 | 1,606 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8228% | 208 |
| Cost of funding earning assets | 0.3858% | 4,405 |
| Net interest margin | 5.4370% | 97 |
| Noninterest income to average assets | 1.2586% | 552 |
| Noninterest expense to average assets | 4.0422% | 488 |
| Loan and lease loss provision to assets | 0.2794% | 1,114 |
| Net operating income to assets | 1.1941% | 1,535 |
| Return on assets (ROA) | 1.1941% | 1,648 |
| Pretax return on assets | 1.6025% | 1,045 |
| Return on Equity (ROE) | 10.0533% | 1,733 |
| Retained earnings to average equity (ytd only) | 10.0533% | 738 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2329% | 2,628 |
| Assets per employee ($millions) | 3.7046% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 1,420 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.2551% | 1,257 |
| Net loans and leases to deposits | 91.8160% | 1,306 |
| Net loans and leases to core deposits | 92.8057% | 2,086 |
| Total domestic deposits to total assets | 83.0521% | 3,095 |
| Equity capital to assets | 12.4945% | 1,738 |
| Core capital (leverage) ratio | 11.5848% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,169,500 | 1,884 |
| Average earning assets | $319,366,500 | 1,978 |
| Average equity | $44,204,500 | 1,839 |
| Average total loans | $284,679,000 | 1,693 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 1,192 |
| Cost of funding earning assets | 0.4619% | 4,234 |
| Net interest margin | 4.6486% | 524 |
| Noninterest income to average assets | 1.8438% | 297 |
| Noninterest expense to average assets | 4.1284% | 457 |
| Loan and lease loss provision to assets | 0.0818% | 2,368 |
| Net operating income to assets | 1.1285% | 2,344 |
| Return on assets (ROA) | 1.1281% | 2,441 |
| Pretax return on assets | 1.5260% | 1,727 |
| Return on Equity (ROE) | 10.6981% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.6981% | 374 |
| Net charge-offs to loans | -0.0041% | 4,309 |
| Credit loss provision to net charge-offs | -2,681.8182% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9644% | 1,876 |
| Assets per employee ($millions) | 3.5939% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 2,884 |
| Loan loss allowance to noncurrent loans | 475.4573% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1246% | 1,069 |
| Noncurrent loans to loans | 0.2337% | 3,614 |
| Net loans and leases to total assets | 74.9758% | 1,591 |
| Net loans and leases to deposits | 90.4652% | 1,536 |
| Net loans and leases to core deposits | 91.3983% | 2,288 |
| Total domestic deposits to total assets | 82.8781% | 3,238 |
| Equity capital to assets | 11.2539% | 2,756 |
| Core capital (leverage) ratio | 10.3584% | 3,120 |
| Tier 1 risk-based capital ratio | 11.6722% | 4,540 |
| Total risk-based capital ratio | 12.6526% | 4,555 |
| Memoranda: | ||
| Average total assets | $360,620,000 | 1,874 |
| Average earning assets | $302,003,400 | 2,010 |
| Average equity | $38,025,400 | 2,007 |
| Average total loans | $265,902,400 | 1,749 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1163% | 1,253 |
| Cost of funding earning assets | 0.4753% | 4,242 |
| Net interest margin | 4.6410% | 561 |
| Noninterest income to average assets | 1.8330% | 305 |
| Noninterest expense to average assets | 4.2601% | 381 |
| Loan and lease loss provision to assets | 0.0785% | 2,337 |
| Net operating income to assets | 1.0126% | 2,935 |
| Return on assets (ROA) | 1.0120% | 3,018 |
| Pretax return on assets | 1.3678% | 2,429 |
| Return on Equity (ROE) | 9.7671% | 2,529 |
| Retained earnings to average equity (ytd only) | 9.7671% | 809 |
| Net charge-offs to loans | -0.0051% | 4,211 |
| Credit loss provision to net charge-offs | -2,110.0000% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6446% | 1,476 |
| Assets per employee ($millions) | 3.4328% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0531% | 1,257 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 74.8920% | 1,666 |
| Net loans and leases to deposits | 86.6600% | 2,112 |
| Net loans and leases to core deposits | 87.4088% | 2,788 |
| Total domestic deposits to total assets | 86.4205% | 1,812 |
| Equity capital to assets | 10.6634% | 3,409 |
| Core capital (leverage) ratio | 9.5654% | 4,099 |
| Tier 1 risk-based capital ratio | 10.9678% | 4,921 |
| Total risk-based capital ratio | 11.9427% | 4,939 |
| Memoranda: | ||
| Average total assets | $358,231,500 | 1,897 |
| Average earning assets | $299,037,000 | 2,042 |
| Average equity | $37,117,000 | 2,056 |
| Average total loans | $262,213,000 | 1,776 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 1,312 |
| Cost of funding earning assets | 0.4776% | 4,217 |
| Net interest margin | 4.5869% | 635 |
| Noninterest income to average assets | 1.8139% | 304 |
| Noninterest expense to average assets | 4.2576% | 381 |
| Loan and lease loss provision to assets | 0.0550% | 2,726 |
| Net operating income to assets | 0.9954% | 2,940 |
| Return on assets (ROA) | 0.9945% | 3,008 |
| Pretax return on assets | 1.3161% | 2,497 |
| Return on Equity (ROE) | 9.6948% | 2,536 |
| Retained earnings to average equity (ytd only) | 9.6948% | 847 |
| Net charge-offs to loans | -0.0078% | 4,245 |
| Credit loss provision to net charge-offs | -980.0000% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6256% | 1,445 |
| Assets per employee ($millions) | 3.3446% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2239% | 1,073 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.8889% | 2,082 |
| Net loans and leases to deposits | 84.4703% | 2,441 |
| Net loans and leases to core deposits | 86.0537% | 2,958 |
| Total domestic deposits to total assets | 86.2893% | 1,898 |
| Equity capital to assets | 10.5509% | 3,474 |
| Core capital (leverage) ratio | 9.7548% | 3,880 |
| Tier 1 risk-based capital ratio | 10.8086% | 4,988 |
| Total risk-based capital ratio | 11.7630% | 5,019 |
| Memoranda: | ||
| Average total assets | $356,351,330 | 1,910 |
| Average earning assets | $296,455,670 | 2,058 |
| Average equity | $36,555,670 | 2,076 |
| Average total loans | $257,769,330 | 1,805 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0762% | 1,148 |
| Cost of funding earning assets | 0.4765% | 4,175 |
| Net interest margin | 4.5996% | 609 |
| Noninterest income to average assets | 1.7481% | 301 |
| Noninterest expense to average assets | 4.2341% | 382 |
| Loan and lease loss provision to assets | 0.0664% | 2,340 |
| Net operating income to assets | 0.9456% | 3,068 |
| Return on assets (ROA) | 0.9438% | 3,116 |
| Pretax return on assets | 1.2565% | 2,602 |
| Return on Equity (ROE) | 9.3341% | 2,658 |
| Retained earnings to average equity (ytd only) | 9.3341% | 1,213 |
| Net charge-offs to loans | -0.0141% | 4,357 |
| Credit loss provision to net charge-offs | -655.5556% | 3,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1635% | 1,480 |
| Assets per employee ($millions) | 3.3796% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9767% | 1,435 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.4134% | 2,417 |
| Net loans and leases to deposits | 81.0977% | 2,713 |
| Net loans and leases to core deposits | 82.3759% | 3,155 |
| Total domestic deposits to total assets | 86.8254% | 1,895 |
| Equity capital to assets | 10.0812% | 3,738 |
| Core capital (leverage) ratio | 9.5318% | 4,093 |
| Tier 1 risk-based capital ratio | 10.7315% | 5,094 |
| Total risk-based capital ratio | 11.7002% | 5,105 |
| Memoranda: | ||
| Average total assets | $355,589,500 | 1,929 |
| Average earning assets | $294,632,000 | 2,082 |
| Average equity | $35,954,000 | 2,102 |
| Average total loans | $254,768,500 | 1,830 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 1,350 |
| Cost of funding earning assets | 0.3278% | 4,427 |
| Net interest margin | 4.5483% | 695 |
| Noninterest income to average assets | 2.0385% | 260 |
| Noninterest expense to average assets | 4.3432% | 353 |
| Loan and lease loss provision to assets | 0.1243% | 1,774 |
| Net operating income to assets | 1.0407% | 2,844 |
| Return on assets (ROA) | 1.0407% | 2,832 |
| Pretax return on assets | 1.3237% | 2,422 |
| Return on Equity (ROE) | 10.2392% | 2,423 |
| Retained earnings to average equity (ytd only) | 10.2392% | 585 |
| Net charge-offs to loans | -0.0026% | 4,263 |
| Credit loss provision to net charge-offs | -6,766.6667% | 4,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9960% | 1,496 |
| Assets per employee ($millions) | 3.1211% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 1,357 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 71.2944% | 2,381 |
| Net loans and leases to deposits | 80.9133% | 2,863 |
| Net loans and leases to core deposits | 82.0635% | 3,256 |
| Total domestic deposits to total assets | 88.1121% | 1,250 |
| Equity capital to assets | 10.1420% | 3,533 |
| Core capital (leverage) ratio | 9.4977% | 4,111 |
| Tier 1 risk-based capital ratio | 10.7582% | 5,089 |
| Total risk-based capital ratio | 11.7271% | 5,086 |
| Memoranda: | ||
| Average total assets | $326,510,000 | 2,013 |
| Average earning assets | $269,398,600 | 2,200 |
| Average equity | $33,186,200 | 2,145 |
| Average total loans | $231,884,000 | 1,936 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8024% | 1,422 |
| Cost of funding earning assets | 0.3002% | 4,517 |
| Net interest margin | 4.5022% | 734 |
| Noninterest income to average assets | 2.1325% | 253 |
| Noninterest expense to average assets | 4.3460% | 344 |
| Loan and lease loss provision to assets | 0.1218% | 1,652 |
| Net operating income to assets | 1.0459% | 2,888 |
| Return on assets (ROA) | 1.0459% | 2,896 |
| Pretax return on assets | 1.3805% | 2,298 |
| Return on Equity (ROE) | 10.2840% | 2,486 |
| Retained earnings to average equity (ytd only) | 10.2840% | 828 |
| Net charge-offs to loans | -0.0047% | 4,215 |
| Credit loss provision to net charge-offs | -3,662.5000% | 4,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3123% | 1,545 |
| Assets per employee ($millions) | 3.0044% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 3,054 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 1,381 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.6131% | 2,553 |
| Net loans and leases to deposits | 80.5001% | 2,987 |
| Net loans and leases to core deposits | 81.9107% | 3,333 |
| Total domestic deposits to total assets | 87.7181% | 1,381 |
| Equity capital to assets | 10.1158% | 3,523 |
| Core capital (leverage) ratio | 9.1229% | 4,599 |
| Tier 1 risk-based capital ratio | 10.8922% | 5,083 |
| Total risk-based capital ratio | 11.8694% | 5,113 |
| Memoranda: | ||
| Average total assets | $320,746,000 | 2,052 |
| Average earning assets | $264,723,500 | 2,241 |
| Average equity | $32,619,500 | 2,184 |
| Average total loans | $226,846,750 | 1,979 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 1,472 |
| Cost of funding earning assets | 0.2673% | 4,651 |
| Net interest margin | 4.4449% | 777 |
| Noninterest income to average assets | 2.1465% | 253 |
| Noninterest expense to average assets | 4.3550% | 340 |
| Loan and lease loss provision to assets | 0.1420% | 1,373 |
| Net operating income to assets | 0.9946% | 3,046 |
| Return on assets (ROA) | 0.9946% | 3,043 |
| Pretax return on assets | 1.3078% | 2,476 |
| Return on Equity (ROE) | 9.7616% | 2,680 |
| Retained earnings to average equity (ytd only) | 9.7616% | 993 |
| Net charge-offs to loans | -0.0063% | 4,164 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0246% | 1,558 |
| Assets per employee ($millions) | 3.1752% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 3,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 1,575 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 71.0518% | 2,427 |
| Net loans and leases to deposits | 80.9988% | 2,855 |
| Net loans and leases to core deposits | 82.4577% | 3,203 |
| Total domestic deposits to total assets | 87.7196% | 1,523 |
| Equity capital to assets | 10.0939% | 3,544 |
| Core capital (leverage) ratio | 9.3878% | 4,263 |
| Tier 1 risk-based capital ratio | 10.6214% | 5,220 |
| Total risk-based capital ratio | 11.5878% | 5,242 |
| Memoranda: | ||
| Average total assets | $315,496,670 | 2,092 |
| Average earning assets | $259,666,670 | 2,283 |
| Average equity | $32,146,330 | 2,219 |
| Average total loans | $222,359,000 | 2,014 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 1,364 |
| Cost of funding earning assets | 0.2251% | 4,864 |
| Net interest margin | 4.4508% | 683 |
| Noninterest income to average assets | 1.9979% | 274 |
| Noninterest expense to average assets | 4.2438% | 380 |
| Loan and lease loss provision to assets | 0.1576% | 1,147 |
| Net operating income to assets | 0.9350% | 3,131 |
| Return on assets (ROA) | 0.9350% | 3,150 |
| Pretax return on assets | 1.2230% | 2,669 |
| Return on Equity (ROE) | 9.1318% | 2,842 |
| Retained earnings to average equity (ytd only) | 9.1318% | 1,415 |
| Net charge-offs to loans | -0.0019% | 3,805 |
| Credit loss provision to net charge-offs | -12,200.0000% | 4,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4535% | 1,676 |
| Assets per employee ($millions) | 2.9101% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,138 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 1,592 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 68.9468% | 2,638 |
| Net loans and leases to deposits | 78.3290% | 2,985 |
| Net loans and leases to core deposits | 79.7773% | 3,340 |
| Total domestic deposits to total assets | 88.0221% | 1,606 |
| Equity capital to assets | 10.0917% | 3,510 |
| Core capital (leverage) ratio | 9.4988% | 4,070 |
| Tier 1 risk-based capital ratio | 10.8423% | 5,222 |
| Total risk-based capital ratio | 11.8254% | 5,234 |
| Memoranda: | ||
| Average total assets | $309,720,000 | 2,144 |
| Average earning assets | $252,357,500 | 2,354 |
| Average equity | $31,713,500 | 2,259 |
| Average total loans | $216,035,500 | 2,072 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 1,365 |
| Cost of funding earning assets | 0.1788% | 5,104 |
| Net interest margin | 4.4443% | 691 |
| Noninterest income to average assets | 1.1309% | 795 |
| Noninterest expense to average assets | 3.6159% | 882 |
| Loan and lease loss provision to assets | 0.0183% | 3,931 |
| Net operating income to assets | 0.7196% | 3,521 |
| Return on assets (ROA) | 0.7245% | 3,538 |
| Pretax return on assets | 1.3046% | 2,327 |
| Return on Equity (ROE) | 7.2479% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.2479% | 1,000 |
| Net charge-offs to loans | -0.0029% | 4,570 |
| Credit loss provision to net charge-offs | -866.6667% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3300% | 2,010 |
| Assets per employee ($millions) | 3.0224% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 3,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0353% | 1,477 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 68.9679% | 2,693 |
| Net loans and leases to deposits | 78.6828% | 3,041 |
| Net loans and leases to core deposits | 80.2155% | 3,403 |
| Total domestic deposits to total assets | 87.6531% | 1,675 |
| Equity capital to assets | 10.3944% | 3,278 |
| Core capital (leverage) ratio | 9.3624% | 4,213 |
| Tier 1 risk-based capital ratio | 11.0279% | 5,132 |
| Total risk-based capital ratio | 12.0015% | 5,165 |
| Memoranda: | ||
| Average total assets | $284,464,000 | 2,258 |
| Average earning assets | $243,232,000 | 2,398 |
| Average equity | $28,436,000 | 2,468 |
| Average total loans | $204,032,800 | 2,126 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 1,418 |
| Cost of funding earning assets | 0.1675% | 5,211 |
| Net interest margin | 4.4145% | 708 |
| Noninterest income to average assets | 0.8242% | 1,501 |
| Noninterest expense to average assets | 3.4240% | 1,111 |
| Loan and lease loss provision to assets | -0.0090% | 5,455 |
| Net operating income to assets | 0.8055% | 3,501 |
| Return on assets (ROA) | 0.8123% | 3,521 |
| Pretax return on assets | 1.2465% | 2,728 |
| Return on Equity (ROE) | 8.2143% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.2143% | 1,129 |
| Net charge-offs to loans | -0.0026% | 4,350 |
| Credit loss provision to net charge-offs | 475.0000% | 673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6179% | 1,951 |
| Assets per employee ($millions) | 4.4939% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 1,626 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 66.6175% | 3,024 |
| Net loans and leases to deposits | 75.8948% | 3,385 |
| Net loans and leases to core deposits | 77.5590% | 3,675 |
| Total domestic deposits to total assets | 87.7762% | 1,478 |
| Equity capital to assets | 10.2719% | 3,616 |
| Core capital (leverage) ratio | 9.5701% | 4,066 |
| Tier 1 risk-based capital ratio | 11.6230% | 4,868 |
| Total risk-based capital ratio | 12.6502% | 4,900 |
| Memoranda: | ||
| Average total assets | $280,020,250 | 2,302 |
| Average earning assets | $242,741,250 | 2,418 |
| Average equity | $27,691,000 | 2,523 |
| Average total loans | $202,329,000 | 2,148 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 1,350 |
| Cost of funding earning assets | 0.1607% | 5,269 |
| Net interest margin | 4.4015% | 701 |
| Noninterest income to average assets | 0.6909% | 2,028 |
| Noninterest expense to average assets | 3.4396% | 1,097 |
| Loan and lease loss provision to assets | -0.0044% | 5,525 |
| Net operating income to assets | 0.7421% | 3,659 |
| Return on assets (ROA) | 0.7407% | 3,733 |
| Pretax return on assets | 1.1260% | 3,065 |
| Return on Equity (ROE) | 7.5981% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.5981% | 1,314 |
| Net charge-offs to loans | -0.0030% | 4,233 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3733% | 1,812 |
| Assets per employee ($millions) | 4.3972% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 3,369 |
| Loan loss allowance to noncurrent loans | 3,248.6111% | 211 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 1,375 |
| Noncurrent loans to loans | 0.0351% | 5,014 |
| Net loans and leases to total assets | 72.0800% | 2,192 |
| Net loans and leases to deposits | 80.4772% | 2,859 |
| Net loans and leases to core deposits | 82.3275% | 3,224 |
| Total domestic deposits to total assets | 89.5657% | 708 |
| Equity capital to assets | 9.6501% | 4,277 |
| Core capital (leverage) ratio | 9.7978% | 3,779 |
| Tier 1 risk-based capital ratio | 12.3688% | 4,374 |
| Total risk-based capital ratio | 13.4690% | 4,362 |
| Memoranda: | ||
| Average total assets | $272,996,330 | 2,353 |
| Average earning assets | $240,190,670 | 2,447 |
| Average equity | $26,612,000 | 2,588 |
| Average total loans | $202,136,330 | 2,148 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 1,313 |
| Cost of funding earning assets | 0.1575% | 5,318 |
| Net interest margin | 4.3684% | 673 |
| Noninterest income to average assets | 0.7634% | 1,694 |
| Noninterest expense to average assets | 3.4541% | 1,106 |
| Loan and lease loss provision to assets | -0.0536% | 5,716 |
| Net operating income to assets | 0.7887% | 3,274 |
| Return on assets (ROA) | 0.7858% | 3,337 |
| Pretax return on assets | 1.1965% | 2,611 |
| Return on Equity (ROE) | 8.0184% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.0184% | 1,454 |
| Net charge-offs to loans | 0.0120% | 2,581 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | 128.5000% | 425 |
| Efficiency ratio | 75.0647% | 2,060 |
| Assets per employee ($millions) | 3.9345% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 3,465 |
| Loan loss allowance to noncurrent loans | 3,285.7143% | 235 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 1,414 |
| Noncurrent loans to loans | 0.0347% | 5,061 |
| Net loans and leases to total assets | 73.4104% | 1,834 |
| Net loans and leases to deposits | 82.0504% | 2,504 |
| Net loans and leases to core deposits | 83.9185% | 2,905 |
| Total domestic deposits to total assets | 89.4699% | 912 |
| Equity capital to assets | 9.7982% | 3,977 |
| Core capital (leverage) ratio | 9.9832% | 3,516 |
| Tier 1 risk-based capital ratio | 12.5169% | 4,378 |
| Total risk-based capital ratio | 13.6272% | 4,370 |
| Memoranda: | ||
| Average total assets | $268,785,500 | 2,408 |
| Average earning assets | $236,148,500 | 2,502 |
| Average equity | $26,339,500 | 2,614 |
| Average total loans | $200,612,000 | 2,175 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 1,808 |
| Cost of funding earning assets | 0.2067% | 4,951 |
| Net interest margin | 4.1961% | 1,125 |
| Noninterest income to average assets | 0.7155% | 2,099 |
| Noninterest expense to average assets | 3.2562% | 1,675 |
| Loan and lease loss provision to assets | 0.1395% | 1,789 |
| Net operating income to assets | 0.6987% | 3,794 |
| Return on assets (ROA) | 0.7163% | 3,824 |
| Pretax return on assets | 1.0505% | 3,295 |
| Return on Equity (ROE) | 7.4917% | 3,224 |
| Retained earnings to average equity (ytd only) | 7.4917% | 1,037 |
| Net charge-offs to loans | -0.0066% | 4,855 |
| Credit loss provision to net charge-offs | -3,050.0000% | 5,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6661% | 2,332 |
| Assets per employee ($millions) | 4.0937% | 3,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 3,285 |
| Loan loss allowance to noncurrent loans | 3,345.7143% | 215 |
| Noncurrent assets plus other real estate owned to assets | 1.2571% | 1,421 |
| Noncurrent loans to loans | 0.0351% | 5,119 |
| Net loans and leases to total assets | 74.1429% | 1,830 |
| Net loans and leases to deposits | 82.8468% | 2,567 |
| Net loans and leases to core deposits | 84.6796% | 2,960 |
| Total domestic deposits to total assets | 89.4939% | 864 |
| Equity capital to assets | 9.8007% | 3,941 |
| Core capital (leverage) ratio | 9.7224% | 3,830 |
| Tier 1 risk-based capital ratio | 12.2274% | 4,555 |
| Total risk-based capital ratio | 13.3540% | 4,530 |
| Memoranda: | ||
| Average total assets | $262,456,200 | 2,414 |
| Average earning assets | $231,714,600 | 2,502 |
| Average equity | $25,094,400 | 2,713 |
| Average total loans | $182,872,800 | 2,282 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3269% | 2,091 |
| Cost of funding earning assets | 0.2176% | 4,899 |
| Net interest margin | 4.1093% | 1,366 |
| Noninterest income to average assets | 0.7208% | 2,079 |
| Noninterest expense to average assets | 3.2172% | 1,736 |
| Loan and lease loss provision to assets | 0.1682% | 1,356 |
| Net operating income to assets | 0.6739% | 3,991 |
| Return on assets (ROA) | 0.6933% | 4,019 |
| Pretax return on assets | 1.0027% | 3,617 |
| Return on Equity (ROE) | 7.2975% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.2975% | 1,481 |
| Net charge-offs to loans | -0.0067% | 4,678 |
| Credit loss provision to net charge-offs | -3,666.6667% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7870% | 2,327 |
| Assets per employee ($millions) | 4.1346% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 3,293 |
| Loan loss allowance to noncurrent loans | 3,290.0000% | 209 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 1,542 |
| Noncurrent loans to loans | 0.0362% | 5,227 |
| Net loans and leases to total assets | 72.1668% | 2,162 |
| Net loans and leases to deposits | 80.6328% | 2,893 |
| Net loans and leases to core deposits | 82.9767% | 3,212 |
| Total domestic deposits to total assets | 89.5006% | 673 |
| Equity capital to assets | 9.7061% | 4,461 |
| Core capital (leverage) ratio | 9.5209% | 4,146 |
| Tier 1 risk-based capital ratio | 12.0291% | 4,776 |
| Total risk-based capital ratio | 13.1502% | 4,745 |
| Memoranda: | ||
| Average total assets | $261,547,000 | 2,434 |
| Average earning assets | $231,629,500 | 2,512 |
| Average equity | $24,848,250 | 2,758 |
| Average total loans | $178,683,250 | 2,325 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,317 |
| Cost of funding earning assets | 0.2310% | 4,840 |
| Net interest margin | 4.0236% | 1,570 |
| Noninterest income to average assets | 0.6640% | 2,312 |
| Noninterest expense to average assets | 3.2343% | 1,731 |
| Loan and lease loss provision to assets | 0.1743% | 1,269 |
| Net operating income to assets | 0.5658% | 4,417 |
| Return on assets (ROA) | 0.5727% | 4,512 |
| Pretax return on assets | 0.8360% | 4,171 |
| Return on Equity (ROE) | 6.0725% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.0725% | 2,079 |
| Net charge-offs to loans | -0.0081% | 4,637 |
| Credit loss provision to net charge-offs | -3,242.8571% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3778% | 2,030 |
| Assets per employee ($millions) | 4.1281% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 3,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2593% | 1,619 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 69.7098% | 2,519 |
| Net loans and leases to deposits | 77.7965% | 3,179 |
| Net loans and leases to core deposits | 80.6270% | 3,401 |
| Total domestic deposits to total assets | 89.6054% | 636 |
| Equity capital to assets | 9.6721% | 4,588 |
| Core capital (leverage) ratio | 9.2274% | 4,549 |
| Tier 1 risk-based capital ratio | 12.3434% | 4,620 |
| Total risk-based capital ratio | 13.4698% | 4,613 |
| Memoranda: | ||
| Average total assets | $260,524,000 | 2,453 |
| Average earning assets | $231,184,000 | 2,525 |
| Average equity | $24,569,670 | 2,782 |
| Average total loans | $173,821,670 | 2,378 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 2,691 |
| Cost of funding earning assets | 0.2386% | 4,824 |
| Net interest margin | 3.9003% | 1,934 |
| Noninterest income to average assets | 0.4970% | 3,140 |
| Noninterest expense to average assets | 3.1816% | 1,880 |
| Loan and lease loss provision to assets | 0.1427% | 1,478 |
| Net operating income to assets | 0.4517% | 4,826 |
| Return on assets (ROA) | 0.4571% | 4,884 |
| Pretax return on assets | 0.6412% | 4,699 |
| Return on Equity (ROE) | 4.9099% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.9099% | 2,995 |
| Net charge-offs to loans | -0.0024% | 4,136 |
| Credit loss provision to net charge-offs | -9,300.0000% | 5,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3876% | 1,561 |
| Assets per employee ($millions) | 4.4448% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 3,646 |
| Loan loss allowance to noncurrent loans | 4,116.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 1,777 |
| Noncurrent loans to loans | 0.0285% | 5,381 |
| Net loans and leases to total assets | 63.9482% | 3,251 |
| Net loans and leases to deposits | 70.8048% | 3,777 |
| Net loans and leases to core deposits | 74.0940% | 3,887 |
| Total domestic deposits to total assets | 90.3163% | 492 |
| Equity capital to assets | 9.0464% | 5,124 |
| Core capital (leverage) ratio | 9.4580% | 4,262 |
| Tier 1 risk-based capital ratio | 12.4338% | 4,628 |
| Total risk-based capital ratio | 13.5219% | 4,642 |
| Memoranda: | ||
| Average total assets | $260,752,000 | 2,457 |
| Average earning assets | $231,364,500 | 2,537 |
| Average equity | $24,277,500 | 2,808 |
| Average total loans | $168,987,000 | 2,413 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 2,105 |
| Cost of funding earning assets | 0.2076% | 5,219 |
| Net interest margin | 4.1275% | 1,341 |
| Noninterest income to average assets | 0.8066% | 1,764 |
| Noninterest expense to average assets | 3.5845% | 1,160 |
| Loan and lease loss provision to assets | 0.0336% | 3,682 |
| Net operating income to assets | 0.5973% | 4,278 |
| Return on assets (ROA) | 0.6129% | 4,305 |
| Pretax return on assets | 0.8358% | 4,087 |
| Return on Equity (ROE) | 6.0353% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.0353% | 1,778 |
| Net charge-offs to loans | -0.0344% | 5,443 |
| Credit loss provision to net charge-offs | -145.2830% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8680% | 1,552 |
| Assets per employee ($millions) | 3.9120% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 3,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3081% | 1,625 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 64.1317% | 3,256 |
| Net loans and leases to deposits | 71.5312% | 3,764 |
| Net loans and leases to core deposits | 75.0814% | 3,840 |
| Total domestic deposits to total assets | 89.6557% | 777 |
| Equity capital to assets | 9.5966% | 4,439 |
| Core capital (leverage) ratio | 9.8953% | 3,651 |
| Tier 1 risk-based capital ratio | 13.0465% | 4,277 |
| Total risk-based capital ratio | 14.1532% | 4,276 |
| Memoranda: | ||
| Average total assets | $229,236,800 | 2,672 |
| Average earning assets | $201,379,000 | 2,766 |
| Average equity | $23,279,600 | 2,851 |
| Average total loans | $154,264,800 | 2,539 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 1,957 |
| Cost of funding earning assets | 0.1974% | 5,400 |
| Net interest margin | 4.1916% | 1,183 |
| Noninterest income to average assets | 0.9585% | 1,293 |
| Noninterest expense to average assets | 3.6459% | 1,049 |
| Loan and lease loss provision to assets | 0.0458% | 3,290 |
| Net operating income to assets | 0.6821% | 3,984 |
| Return on assets (ROA) | 0.7031% | 4,004 |
| Pretax return on assets | 0.9746% | 3,714 |
| Return on Equity (ROE) | 6.8187% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.8187% | 1,778 |
| Net charge-offs to loans | -0.0403% | 5,469 |
| Credit loss provision to net charge-offs | -167.3913% | 5,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6237% | 1,871 |
| Assets per employee ($millions) | 3.5835% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 3,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4537% | 1,548 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.3961% | 2,947 |
| Net loans and leases to deposits | 74.5365% | 3,481 |
| Net loans and leases to core deposits | 77.9601% | 3,611 |
| Total domestic deposits to total assets | 89.0786% | 992 |
| Equity capital to assets | 10.1903% | 3,947 |
| Core capital (leverage) ratio | 10.2672% | 3,287 |
| Tier 1 risk-based capital ratio | 13.8601% | 3,929 |
| Total risk-based capital ratio | 15.0508% | 3,905 |
| Memoranda: | ||
| Average total assets | $223,953,750 | 2,738 |
| Average earning assets | $196,545,250 | 2,839 |
| Average equity | $23,092,750 | 2,894 |
| Average total loans | $152,198,500 | 2,579 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 1,846 |
| Cost of funding earning assets | 0.1930% | 5,506 |
| Net interest margin | 4.2091% | 1,094 |
| Noninterest income to average assets | 0.9088% | 1,415 |
| Noninterest expense to average assets | 3.7101% | 976 |
| Loan and lease loss provision to assets | 0.0072% | 3,962 |
| Net operating income to assets | 0.6111% | 4,287 |
| Return on assets (ROA) | 0.6417% | 4,270 |
| Pretax return on assets | 0.9269% | 3,856 |
| Return on Equity (ROE) | 6.1980% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.1980% | 2,115 |
| Net charge-offs to loans | -0.0584% | 5,603 |
| Credit loss provision to net charge-offs | -18.1818% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6572% | 1,666 |
| Assets per employee ($millions) | 3.5317% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 3,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5218% | 1,609 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.8381% | 2,668 |
| Net loans and leases to deposits | 76.3529% | 3,224 |
| Net loans and leases to core deposits | 78.3789% | 3,539 |
| Total domestic deposits to total assets | 88.8480% | 1,222 |
| Equity capital to assets | 10.4351% | 3,514 |
| Core capital (leverage) ratio | 10.2106% | 3,323 |
| Tier 1 risk-based capital ratio | 14.0492% | 3,898 |
| Total risk-based capital ratio | 15.2288% | 3,876 |
| Memoranda: | ||
| Average total assets | $220,962,330 | 2,785 |
| Average earning assets | $193,771,000 | 2,893 |
| Average equity | $22,878,330 | 2,923 |
| Average total loans | $150,727,330 | 2,605 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 1,945 |
| Cost of funding earning assets | 0.1927% | 5,571 |
| Net interest margin | 4.1558% | 1,158 |
| Noninterest income to average assets | 0.8738% | 1,485 |
| Noninterest expense to average assets | 3.7276% | 967 |
| Loan and lease loss provision to assets | 0.0145% | 3,537 |
| Net operating income to assets | 0.5426% | 4,502 |
| Return on assets (ROA) | 0.6049% | 4,362 |
| Pretax return on assets | 0.8647% | 4,008 |
| Return on Equity (ROE) | 5.8656% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.8656% | 2,567 |
| Net charge-offs to loans | -0.1416% | 5,962 |
| Credit loss provision to net charge-offs | -15.0943% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5090% | 1,560 |
| Assets per employee ($millions) | 3.6405% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 3,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5002% | 1,748 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 66.0014% | 2,767 |
| Net loans and leases to deposits | 74.0184% | 3,308 |
| Net loans and leases to core deposits | 75.9456% | 3,605 |
| Total domestic deposits to total assets | 89.1688% | 1,160 |
| Equity capital to assets | 10.1454% | 3,952 |
| Core capital (leverage) ratio | 10.4752% | 2,999 |
| Tier 1 risk-based capital ratio | 13.7423% | 4,193 |
| Total risk-based capital ratio | 14.9372% | 4,135 |
| Memoranda: | ||
| Average total assets | $220,194,000 | 2,805 |
| Average earning assets | $193,079,000 | 2,915 |
| Average equity | $22,708,500 | 2,956 |
| Average total loans | $149,678,000 | 2,627 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,248 |
| Cost of funding earning assets | 0.2161% | 5,617 |
| Net interest margin | 4.1760% | 1,366 |
| Noninterest income to average assets | 0.8696% | 1,606 |
| Noninterest expense to average assets | 3.6988% | 1,152 |
| Loan and lease loss provision to assets | 0.0125% | 4,369 |
| Net operating income to assets | 0.5963% | 4,385 |
| Return on assets (ROA) | 0.5974% | 4,473 |
| Pretax return on assets | 0.8471% | 4,089 |
| Return on Equity (ROE) | 5.5111% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.5111% | 2,251 |
| Net charge-offs to loans | 0.1116% | 2,919 |
| Credit loss provision to net charge-offs | 16.4474% | 4,017 |
| Earnings coverage of net charge-offs (x) | 11.3026% | 2,508 |
| Efficiency ratio | 81.1685% | 1,751 |
| Assets per employee ($millions) | 3.3544% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 3,793 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5814% | 1,711 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.3141% | 2,511 |
| Net loans and leases to deposits | 76.9573% | 3,097 |
| Net loans and leases to core deposits | 79.1866% | 3,389 |
| Total domestic deposits to total assets | 88.7688% | 1,375 |
| Equity capital to assets | 10.4891% | 3,499 |
| Core capital (leverage) ratio | 10.4938% | 2,952 |
| Tier 1 risk-based capital ratio | 13.7790% | 4,249 |
| Total risk-based capital ratio | 14.9645% | 4,223 |
| Memoranda: | ||
| Average total assets | $200,200,800 | 2,995 |
| Average earning assets | $176,771,400 | 3,082 |
| Average equity | $21,701,800 | 2,980 |
| Average total loans | $136,240,400 | 2,757 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,330 |
| Cost of funding earning assets | 0.2201% | 5,667 |
| Net interest margin | 4.1534% | 1,418 |
| Noninterest income to average assets | 0.8458% | 1,719 |
| Noninterest expense to average assets | 3.7453% | 1,050 |
| Loan and lease loss provision to assets | -0.0502% | 6,193 |
| Net operating income to assets | 0.5913% | 4,475 |
| Return on assets (ROA) | 0.5928% | 4,564 |
| Pretax return on assets | 0.8254% | 4,267 |
| Return on Equity (ROE) | 5.4206% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.4206% | 2,812 |
| Net charge-offs to loans | 0.1622% | 2,179 |
| Credit loss provision to net charge-offs | -45.6790% | 5,333 |
| Earnings coverage of net charge-offs (x) | 7.0372% | 2,987 |
| Efficiency ratio | 82.8880% | 1,508 |
| Assets per employee ($millions) | 3.3798% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 4,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 4,281 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 66.9368% | 2,694 |
| Net loans and leases to deposits | 75.5403% | 3,237 |
| Net loans and leases to core deposits | 77.3610% | 3,599 |
| Total domestic deposits to total assets | 88.6107% | 1,444 |
| Equity capital to assets | 10.5084% | 3,542 |
| Core capital (leverage) ratio | 10.3490% | 3,214 |
| Tier 1 risk-based capital ratio | 14.1050% | 4,140 |
| Total risk-based capital ratio | 15.2515% | 4,154 |
| Memoranda: | ||
| Average total assets | $196,581,250 | 3,055 |
| Average earning assets | $173,829,000 | 3,139 |
| Average equity | $21,497,750 | 3,006 |
| Average total loans | $133,178,000 | 2,816 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 2,550 |
| Cost of funding earning assets | 0.2297% | 5,664 |
| Net interest margin | 4.0808% | 1,572 |
| Noninterest income to average assets | 0.8468% | 1,674 |
| Noninterest expense to average assets | 3.7803% | 995 |
| Loan and lease loss provision to assets | -0.0770% | 6,348 |
| Net operating income to assets | 0.5252% | 4,714 |
| Return on assets (ROA) | 0.5274% | 4,797 |
| Pretax return on assets | 0.7500% | 4,460 |
| Return on Equity (ROE) | 4.7553% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.7553% | 3,114 |
| Net charge-offs to loans | 0.3025% | 1,336 |
| Credit loss provision to net charge-offs | -37.5635% | 5,142 |
| Earnings coverage of net charge-offs (x) | 3.2690% | 3,354 |
| Efficiency ratio | 84.9462% | 1,393 |
| Assets per employee ($millions) | 3.2725% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 4,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 4,345 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 67.6026% | 2,484 |
| Net loans and leases to deposits | 76.3344% | 3,013 |
| Net loans and leases to core deposits | 78.5494% | 3,375 |
| Total domestic deposits to total assets | 88.5611% | 1,602 |
| Equity capital to assets | 10.6651% | 3,230 |
| Core capital (leverage) ratio | 11.0656% | 2,362 |
| Tier 1 risk-based capital ratio | 14.3936% | 3,994 |
| Total risk-based capital ratio | 15.5533% | 3,996 |
| Memoranda: | ||
| Average total assets | $192,259,330 | 3,120 |
| Average earning assets | $169,769,330 | 3,205 |
| Average equity | $21,323,670 | 3,020 |
| Average total loans | $130,241,000 | 2,867 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 2,466 |
| Cost of funding earning assets | 0.2576% | 5,516 |
| Net interest margin | 4.0584% | 1,578 |
| Noninterest income to average assets | 0.8495% | 1,566 |
| Noninterest expense to average assets | 3.9606% | 795 |
| Loan and lease loss provision to assets | -0.1391% | 6,522 |
| Net operating income to assets | 0.4365% | 4,988 |
| Return on assets (ROA) | 0.4365% | 5,046 |
| Pretax return on assets | 0.6013% | 4,825 |
| Return on Equity (ROE) | 3.8552% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.8552% | 3,810 |
| Net charge-offs to loans | -0.0508% | 5,815 |
| Credit loss provision to net charge-offs | 406.2500% | 644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5501% | 1,079 |
| Assets per employee ($millions) | 3.1533% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,051 |
| Loan loss allowance to noncurrent loans | 63,733.3333% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 4,165 |
| Noncurrent loans to loans | 0.0024% | 6,192 |
| Net loans and leases to total assets | 64.2780% | 2,844 |
| Net loans and leases to deposits | 72.8636% | 3,227 |
| Net loans and leases to core deposits | 75.7018% | 3,440 |
| Total domestic deposits to total assets | 88.2169% | 2,098 |
| Equity capital to assets | 11.0620% | 2,667 |
| Core capital (leverage) ratio | 11.2875% | 2,150 |
| Tier 1 risk-based capital ratio | 15.4314% | 3,477 |
| Total risk-based capital ratio | 16.6833% | 3,432 |
| Memoranda: | ||
| Average total assets | $186,941,000 | 3,209 |
| Average earning assets | $164,596,500 | 3,282 |
| Average equity | $21,166,000 | 3,028 |
| Average total loans | $125,935,000 | 2,949 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 1,276 |
| Cost of funding earning assets | 0.3366% | 5,273 |
| Net interest margin | 4.4806% | 764 |
| Noninterest income to average assets | 1.2486% | 894 |
| Noninterest expense to average assets | 4.2009% | 699 |
| Loan and lease loss provision to assets | 0.0350% | 4,420 |
| Net operating income to assets | 0.6215% | 4,157 |
| Return on assets (ROA) | 0.6215% | 4,274 |
| Pretax return on assets | 0.9292% | 3,648 |
| Return on Equity (ROE) | 5.8618% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.8618% | 2,060 |
| Net charge-offs to loans | -0.0589% | 6,365 |
| Credit loss provision to net charge-offs | -80.2817% | 5,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3317% | 1,971 |
| Assets per employee ($millions) | 3.0768% | 5,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 2,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 3,580 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.5049% | 2,261 |
| Net loans and leases to deposits | 78.5707% | 2,652 |
| Net loans and leases to core deposits | 81.8591% | 2,909 |
| Total domestic deposits to total assets | 87.1889% | 2,629 |
| Equity capital to assets | 11.5981% | 2,098 |
| Core capital (leverage) ratio | 11.6863% | 1,838 |
| Tier 1 risk-based capital ratio | 15.7285% | 3,236 |
| Total risk-based capital ratio | 16.9815% | 3,191 |
| Memoranda: | ||
| Average total assets | $162,823,800 | 3,516 |
| Average earning assets | $142,324,600 | 3,628 |
| Average equity | $17,264,400 | 3,528 |
| Average total loans | $120,615,400 | 3,022 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 1,184 |
| Cost of funding earning assets | 0.3565% | 5,235 |
| Net interest margin | 4.5157% | 717 |
| Noninterest income to average assets | 1.1972% | 1,023 |
| Noninterest expense to average assets | 4.2904% | 639 |
| Loan and lease loss provision to assets | 0.1298% | 2,665 |
| Net operating income to assets | 0.4932% | 4,825 |
| Return on assets (ROA) | 0.4932% | 4,987 |
| Pretax return on assets | 0.7175% | 4,628 |
| Return on Equity (ROE) | 4.7802% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.7802% | 3,250 |
| Net charge-offs to loans | -0.0257% | 6,120 |
| Credit loss provision to net charge-offs | -669.5652% | 6,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5084% | 1,656 |
| Assets per employee ($millions) | 2.8918% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 2,854 |
| Loan loss allowance to noncurrent loans | 670.0000% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 4,431 |
| Noncurrent loans to loans | 0.2444% | 5,622 |
| Net loans and leases to total assets | 70.7550% | 1,829 |
| Net loans and leases to deposits | 81.5891% | 2,190 |
| Net loans and leases to core deposits | 85.5836% | 2,456 |
| Total domestic deposits to total assets | 86.7211% | 2,841 |
| Equity capital to assets | 11.7597% | 2,074 |
| Core capital (leverage) ratio | 11.9734% | 1,692 |
| Tier 1 risk-based capital ratio | 15.6074% | 3,402 |
| Total risk-based capital ratio | 16.8608% | 3,366 |
| Memoranda: | ||
| Average total assets | $158,147,250 | 3,622 |
| Average earning assets | $138,003,000 | 3,737 |
| Average equity | $16,317,000 | 3,696 |
| Average total loans | $119,189,750 | 3,076 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 1,065 |
| Cost of funding earning assets | 0.3844% | 5,087 |
| Net interest margin | 4.5285% | 676 |
| Noninterest income to average assets | 1.1897% | 1,075 |
| Noninterest expense to average assets | 4.3600% | 590 |
| Loan and lease loss provision to assets | 0.1143% | 2,906 |
| Net operating income to assets | 0.4702% | 4,922 |
| Return on assets (ROA) | 0.4702% | 5,102 |
| Pretax return on assets | 0.6780% | 4,751 |
| Return on Equity (ROE) | 4.8049% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.8049% | 3,180 |
| Net charge-offs to loans | 0.0288% | 4,289 |
| Credit loss provision to net charge-offs | 517.6471% | 535 |
| Earnings coverage of net charge-offs (x) | 35.8824% | 1,008 |
| Efficiency ratio | 84.6231% | 1,563 |
| Assets per employee ($millions) | 2.8761% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 3,177 |
| Loan loss allowance to noncurrent loans | 3,808.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 4,624 |
| Noncurrent loans to loans | 0.0418% | 6,268 |
| Net loans and leases to total assets | 73.0298% | 1,397 |
| Net loans and leases to deposits | 81.9305% | 2,067 |
| Net loans and leases to core deposits | 87.1467% | 2,216 |
| Total domestic deposits to total assets | 89.1363% | 1,549 |
| Equity capital to assets | 9.5667% | 4,493 |
| Core capital (leverage) ratio | 9.3816% | 4,414 |
| Tier 1 risk-based capital ratio | 12.0816% | 5,748 |
| Total risk-based capital ratio | 13.3341% | 5,690 |
| Memoranda: | ||
| Average total assets | $153,990,670 | 3,704 |
| Average earning assets | $134,746,330 | 3,810 |
| Average equity | $15,068,000 | 3,931 |
| Average total loans | $118,009,670 | 3,106 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 986 |
| Cost of funding earning assets | 0.4360% | 4,743 |
| Net interest margin | 4.5064% | 677 |
| Noninterest income to average assets | 1.1352% | 1,164 |
| Noninterest expense to average assets | 4.4850% | 546 |
| Loan and lease loss provision to assets | 0.2340% | 1,561 |
| Net operating income to assets | 0.2738% | 5,649 |
| Return on assets (ROA) | 0.2738% | 5,771 |
| Pretax return on assets | 0.3456% | 5,733 |
| Return on Equity (ROE) | 2.7655% | 5,680 |
| Retained earnings to average equity (ytd only) | 2.7655% | 4,628 |
| Net charge-offs to loans | -0.0102% | 5,446 |
| Credit loss provision to net charge-offs | -2,933.3333% | 5,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5564% | 1,268 |
| Assets per employee ($millions) | 2.8918% | 6,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6201% | 3,316 |
| Loan loss allowance to noncurrent loans | 3,848.0000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.9414% | 4,048 |
| Noncurrent loans to loans | 0.0421% | 6,356 |
| Net loans and leases to total assets | 74.8212% | 981 |
| Net loans and leases to deposits | 83.9992% | 1,597 |
| Net loans and leases to core deposits | 91.2618% | 1,582 |
| Total domestic deposits to total assets | 89.0737% | 1,644 |
| Equity capital to assets | 9.6801% | 4,592 |
| Core capital (leverage) ratio | 9.9748% | 3,417 |
| Tier 1 risk-based capital ratio | 12.0997% | 5,852 |
| Total risk-based capital ratio | 13.3547% | 5,797 |
| Memoranda: | ||
| Average total assets | $150,456,500 | 3,796 |
| Average earning assets | $131,191,500 | 3,916 |
| Average equity | $14,898,000 | 4,013 |
| Average total loans | $117,252,000 | 3,141 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 834 |
| Cost of funding earning assets | 0.5462% | 4,848 |
| Net interest margin | 4.7996% | 537 |
| Noninterest income to average assets | 1.5450% | 659 |
| Noninterest expense to average assets | 4.4517% | 600 |
| Loan and lease loss provision to assets | 0.2700% | 2,489 |
| Net operating income to assets | 0.6543% | 3,968 |
| Return on assets (ROA) | 0.6543% | 4,231 |
| Pretax return on assets | 0.9632% | 3,690 |
| Return on Equity (ROE) | 6.1923% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.1923% | 1,974 |
| Net charge-offs to loans | 0.1058% | 4,606 |
| Credit loss provision to net charge-offs | 325.2252% | 751 |
| Earnings coverage of net charge-offs (x) | 14.8559% | 1,700 |
| Efficiency ratio | 78.3083% | 2,391 |
| Assets per employee ($millions) | 2.7838% | 6,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 3,390 |
| Loan loss allowance to noncurrent loans | 3,666.0000% | 174 |
| Noncurrent assets plus other real estate owned to assets | 1.2137% | 3,636 |
| Noncurrent loans to loans | 0.0432% | 6,401 |
| Net loans and leases to total assets | 78.6900% | 598 |
| Net loans and leases to deposits | 90.5946% | 1,017 |
| Net loans and leases to core deposits | 99.2922% | 1,063 |
| Total domestic deposits to total assets | 86.8594% | 2,904 |
| Equity capital to assets | 10.1411% | 3,982 |
| Core capital (leverage) ratio | 10.1154% | 3,253 |
| Tier 1 risk-based capital ratio | 12.3304% | 5,580 |
| Total risk-based capital ratio | 13.5932% | 5,523 |
| Memoranda: | ||
| Average total assets | $133,723,200 | 4,068 |
| Average earning assets | $115,343,400 | 4,224 |
| Average equity | $14,130,400 | 4,131 |
| Average total loans | $104,894,400 | 3,401 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4146% | 805 |
| Cost of funding earning assets | 0.5777% | 4,856 |
| Net interest margin | 4.8369% | 536 |
| Noninterest income to average assets | 1.5149% | 649 |
| Noninterest expense to average assets | 4.4113% | 596 |
| Loan and lease loss provision to assets | 0.2464% | 2,594 |
| Net operating income to assets | 0.6882% | 3,961 |
| Return on assets (ROA) | 0.6882% | 4,220 |
| Pretax return on assets | 1.0170% | 3,648 |
| Return on Equity (ROE) | 6.4411% | 4,100 |
| Retained earnings to average equity (ytd only) | 6.4411% | 2,408 |
| Net charge-offs to loans | 0.0979% | 4,407 |
| Credit loss provision to net charge-offs | 322.6667% | 829 |
| Earnings coverage of net charge-offs (x) | 16.5463% | 1,686 |
| Efficiency ratio | 77.7359% | 2,428 |
| Assets per employee ($millions) | 2.7971% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 3,444 |
| Loan loss allowance to noncurrent loans | 1,822.9167% | 272 |
| Noncurrent assets plus other real estate owned to assets | 1.3943% | 3,517 |
| Noncurrent loans to loans | 0.0889% | 6,394 |
| Net loans and leases to total assets | 77.4902% | 792 |
| Net loans and leases to deposits | 87.9446% | 1,360 |
| Net loans and leases to core deposits | 96.3722% | 1,385 |
| Total domestic deposits to total assets | 88.1125% | 1,976 |
| Equity capital to assets | 10.4947% | 3,855 |
| Core capital (leverage) ratio | 10.3733% | 3,071 |
| Tier 1 risk-based capital ratio | 12.9289% | 5,309 |
| Total risk-based capital ratio | 14.1920% | 5,267 |
| Memoranda: | ||
| Average total assets | $130,964,500 | 4,161 |
| Average earning assets | $112,630,250 | 4,333 |
| Average equity | $13,993,000 | 4,193 |
| Average total loans | $102,182,250 | 3,504 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 840 |
| Cost of funding earning assets | 0.6357% | 4,563 |
| Net interest margin | 4.7825% | 575 |
| Noninterest income to average assets | 1.4798% | 666 |
| Noninterest expense to average assets | 4.4240% | 590 |
| Loan and lease loss provision to assets | 0.1970% | 3,115 |
| Net operating income to assets | 0.6577% | 4,076 |
| Return on assets (ROA) | 0.6577% | 4,333 |
| Pretax return on assets | 0.9664% | 3,833 |
| Return on Equity (ROE) | 6.1171% | 4,266 |
| Retained earnings to average equity (ytd only) | 6.1171% | 2,641 |
| Net charge-offs to loans | 0.1775% | 3,533 |
| Credit loss provision to net charge-offs | 142.6966% | 1,945 |
| Earnings coverage of net charge-offs (x) | 8.4270% | 2,297 |
| Efficiency ratio | 79.1782% | 2,301 |
| Assets per employee ($millions) | 2.8632% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 3,703 |
| Loan loss allowance to noncurrent loans | 16,210.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 1.9437% | 2,855 |
| Noncurrent loans to loans | 0.0097% | 6,688 |
| Net loans and leases to total assets | 77.1312% | 825 |
| Net loans and leases to deposits | 87.7377% | 1,394 |
| Net loans and leases to core deposits | 96.5408% | 1,388 |
| Total domestic deposits to total assets | 87.9111% | 2,199 |
| Equity capital to assets | 10.7070% | 3,446 |
| Core capital (leverage) ratio | 10.6226% | 2,694 |
| Tier 1 risk-based capital ratio | 12.8818% | 5,269 |
| Total risk-based capital ratio | 14.1353% | 5,240 |
| Memoranda: | ||
| Average total assets | $128,932,670 | 4,230 |
| Average earning assets | $110,737,670 | 4,393 |
| Average equity | $13,862,670 | 4,223 |
| Average total loans | $100,257,000 | 3,563 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3749% | 949 |
| Cost of funding earning assets | 0.6637% | 4,599 |
| Net interest margin | 4.7112% | 670 |
| Noninterest income to average assets | 1.6120% | 561 |
| Noninterest expense to average assets | 4.3781% | 609 |
| Loan and lease loss provision to assets | 0.2258% | 2,689 |
| Net operating income to assets | 0.7119% | 3,826 |
| Return on assets (ROA) | 0.7119% | 4,040 |
| Pretax return on assets | 1.0600% | 3,469 |
| Return on Equity (ROE) | 6.6070% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.6070% | 2,628 |
| Net charge-offs to loans | 0.0121% | 4,537 |
| Credit loss provision to net charge-offs | 2,400.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 136.6667% | 263 |
| Efficiency ratio | 77.2979% | 2,601 |
| Assets per employee ($millions) | 2.9854% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 3,502 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 300 |
| Noncurrent assets plus other real estate owned to assets | 2.1126% | 2,767 |
| Noncurrent loans to loans | 0.1185% | 6,455 |
| Net loans and leases to total assets | 76.2678% | 773 |
| Net loans and leases to deposits | 86.9111% | 1,305 |
| Net loans and leases to core deposits | 96.8044% | 1,226 |
| Total domestic deposits to total assets | 87.7538% | 2,495 |
| Equity capital to assets | 10.8059% | 3,138 |
| Core capital (leverage) ratio | 10.7235% | 2,525 |
| Tier 1 risk-based capital ratio | 13.0079% | 5,214 |
| Total risk-based capital ratio | 14.2622% | 5,182 |
| Memoranda: | ||
| Average total assets | $127,545,000 | 4,292 |
| Average earning assets | $109,695,500 | 4,443 |
| Average equity | $13,743,000 | 4,246 |
| Average total loans | $98,781,000 | 3,629 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6346% | 892 |
| Cost of funding earning assets | 0.7120% | 5,459 |
| Net interest margin | 4.9227% | 484 |
| Noninterest income to average assets | 1.1953% | 929 |
| Noninterest expense to average assets | 4.5425% | 568 |
| Loan and lease loss provision to assets | 0.3591% | 2,847 |
| Net operating income to assets | 0.3835% | 4,936 |
| Return on assets (ROA) | 0.4613% | 4,789 |
| Pretax return on assets | 0.6291% | 4,598 |
| Return on Equity (ROE) | 4.0298% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.0298% | 3,325 |
| Net charge-offs to loans | 0.2908% | 3,955 |
| Credit loss provision to net charge-offs | 159.3023% | 1,737 |
| Earnings coverage of net charge-offs (x) | 3.9109% | 3,341 |
| Efficiency ratio | 83.7468% | 1,794 |
| Assets per employee ($millions) | 3.0906% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 3,527 |
| Loan loss allowance to noncurrent loans | 1,091.7241% | 370 |
| Noncurrent assets plus other real estate owned to assets | 2.1710% | 2,768 |
| Noncurrent loans to loans | 0.1480% | 6,448 |
| Net loans and leases to total assets | 76.0906% | 940 |
| Net loans and leases to deposits | 87.2010% | 1,490 |
| Net loans and leases to core deposits | 99.3068% | 1,233 |
| Total domestic deposits to total assets | 87.2589% | 2,606 |
| Equity capital to assets | 10.7437% | 3,258 |
| Core capital (leverage) ratio | 10.7416% | 2,485 |
| Tier 1 risk-based capital ratio | 13.0437% | 5,030 |
| Total risk-based capital ratio | 14.3071% | 4,999 |
| Memoranda: | ||
| Average total assets | $114,451,200 | 4,536 |
| Average earning assets | $98,320,800 | 4,678 |
| Average equity | $13,102,400 | 4,321 |
| Average total loans | $88,729,600 | 3,886 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6497% | 933 |
| Cost of funding earning assets | 0.7259% | 5,619 |
| Net interest margin | 4.9238% | 485 |
| Noninterest income to average assets | 1.0486% | 1,220 |
| Noninterest expense to average assets | 4.6432% | 505 |
| Loan and lease loss provision to assets | 0.3088% | 3,056 |
| Net operating income to assets | 0.2602% | 5,537 |
| Return on assets (ROA) | 0.3771% | 5,279 |
| Pretax return on assets | 0.4728% | 5,251 |
| Return on Equity (ROE) | 3.2370% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.2370% | 4,413 |
| Net charge-offs to loans | 0.2515% | 3,855 |
| Credit loss provision to net charge-offs | 158.2822% | 1,960 |
| Earnings coverage of net charge-offs (x) | 3.2576% | 3,520 |
| Efficiency ratio | 87.9592% | 1,348 |
| Assets per employee ($millions) | 2.8840% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 3,603 |
| Loan loss allowance to noncurrent loans | 605.1587% | 563 |
| Noncurrent assets plus other real estate owned to assets | 2.4382% | 2,645 |
| Noncurrent loans to loans | 0.2664% | 6,340 |
| Net loans and leases to total assets | 78.7013% | 639 |
| Net loans and leases to deposits | 92.8871% | 925 |
| Net loans and leases to core deposits | 103.5335% | 1,005 |
| Total domestic deposits to total assets | 84.7279% | 3,896 |
| Equity capital to assets | 11.2921% | 2,872 |
| Core capital (leverage) ratio | 11.3708% | 2,115 |
| Tier 1 risk-based capital ratio | 13.7463% | 4,541 |
| Total risk-based capital ratio | 15.0011% | 4,498 |
| Memoranda: | ||
| Average total assets | $111,385,000 | 4,639 |
| Average earning assets | $95,695,250 | 4,787 |
| Average equity | $12,974,500 | 4,354 |
| Average total loans | $86,411,500 | 3,994 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6970% | 882 |
| Cost of funding earning assets | 0.7652% | 5,592 |
| Net interest margin | 4.9318% | 455 |
| Noninterest income to average assets | 0.9734% | 1,399 |
| Noninterest expense to average assets | 4.7003% | 480 |
| Loan and lease loss provision to assets | 0.1760% | 4,163 |
| Net operating income to assets | 0.2620% | 5,509 |
| Return on assets (ROA) | 0.2933% | 5,534 |
| Pretax return on assets | 0.3263% | 5,606 |
| Return on Equity (ROE) | 2.4905% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.4905% | 4,700 |
| Net charge-offs to loans | 0.3489% | 3,156 |
| Credit loss provision to net charge-offs | 65.7534% | 4,183 |
| Earnings coverage of net charge-offs (x) | 1.7466% | 3,995 |
| Efficiency ratio | 90.9542% | 1,169 |
| Assets per employee ($millions) | 2.6502% | 6,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6304% | 3,579 |
| Loan loss allowance to noncurrent loans | 660.2871% | 528 |
| Noncurrent assets plus other real estate owned to assets | 2.3925% | 2,760 |
| Noncurrent loans to loans | 0.2469% | 6,425 |
| Net loans and leases to total assets | 74.8048% | 1,262 |
| Net loans and leases to deposits | 86.2713% | 1,756 |
| Net loans and leases to core deposits | 96.2990% | 1,646 |
| Total domestic deposits to total assets | 86.7088% | 2,919 |
| Equity capital to assets | 11.8501% | 2,209 |
| Core capital (leverage) ratio | 11.7677% | 1,735 |
| Tier 1 risk-based capital ratio | 14.7031% | 3,671 |
| Total risk-based capital ratio | 15.9566% | 3,636 |
| Memoranda: | ||
| Average total assets | $109,099,330 | 4,724 |
| Average earning assets | $92,785,670 | 4,909 |
| Average equity | $12,848,670 | 4,377 |
| Average total loans | $83,687,670 | 4,104 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6885% | 901 |
| Cost of funding earning assets | 0.8026% | 5,566 |
| Net interest margin | 4.8859% | 479 |
| Noninterest income to average assets | 1.1297% | 1,025 |
| Noninterest expense to average assets | 4.5594% | 564 |
| Loan and lease loss provision to assets | 0.2148% | 3,502 |
| Net operating income to assets | 0.3593% | 5,129 |
| Return on assets (ROA) | 0.3593% | 5,212 |
| Pretax return on assets | 0.4815% | 5,083 |
| Return on Equity (ROE) | 3.0604% | 5,334 |
| Retained earnings to average equity (ytd only) | 3.0604% | 4,330 |
| Net charge-offs to loans | 0.6634% | 1,879 |
| Credit loss provision to net charge-offs | 42.0290% | 3,903 |
| Earnings coverage of net charge-offs (x) | 1.3623% | 3,665 |
| Efficiency ratio | 86.7512% | 1,636 |
| Assets per employee ($millions) | 2.6174% | 6,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,774 |
| Loan loss allowance to noncurrent loans | 147.8642% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 2.8363% | 2,430 |
| Noncurrent loans to loans | 1.0752% | 4,898 |
| Net loans and leases to total assets | 76.0115% | 1,029 |
| Net loans and leases to deposits | 87.5507% | 1,511 |
| Net loans and leases to core deposits | 97.8546% | 1,537 |
| Total domestic deposits to total assets | 86.8200% | 3,039 |
| Equity capital to assets | 11.7609% | 2,070 |
| Core capital (leverage) ratio | 11.9907% | 1,577 |
| Tier 1 risk-based capital ratio | 14.5228% | 3,721 |
| Total risk-based capital ratio | 15.7767% | 3,684 |
| Memoranda: | ||
| Average total assets | $107,995,500 | 4,791 |
| Average earning assets | $91,202,000 | 4,999 |
| Average equity | $12,678,000 | 4,406 |
| Average total loans | $83,210,000 | 4,156 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9333% | 980 |
| Cost of funding earning assets | 1.3076% | 3,833 |
| Net interest margin | 4.6256% | 953 |
| Noninterest income to average assets | 1.3897% | 753 |
| Noninterest expense to average assets | 4.6949% | 548 |
| Loan and lease loss provision to assets | 0.2386% | 4,904 |
| Net operating income to assets | 0.3291% | 4,829 |
| Return on assets (ROA) | 0.3451% | 4,924 |
| Pretax return on assets | 0.4306% | 4,849 |
| Return on Equity (ROE) | 3.2157% | 4,859 |
| Retained earnings to average equity (ytd only) | 3.2157% | 3,616 |
| Net charge-offs to loans | 0.0527% | 6,266 |
| Credit loss provision to net charge-offs | 583.7209% | 378 |
| Earnings coverage of net charge-offs (x) | 15.8837% | 1,252 |
| Efficiency ratio | 87.8513% | 1,494 |
| Assets per employee ($millions) | 2.6515% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7544% | 3,010 |
| Loan loss allowance to noncurrent loans | 114.5833% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 3.4651% | 2,010 |
| Noncurrent loans to loans | 1.5311% | 4,197 |
| Net loans and leases to total assets | 75.5042% | 1,376 |
| Net loans and leases to deposits | 87.1570% | 1,914 |
| Net loans and leases to core deposits | 97.5443% | 1,835 |
| Total domestic deposits to total assets | 86.6301% | 3,015 |
| Equity capital to assets | 11.7171% | 2,113 |
| Core capital (leverage) ratio | 11.6755% | 1,739 |
| Tier 1 risk-based capital ratio | 14.3617% | 3,638 |
| Total risk-based capital ratio | 15.6162% | 3,591 |
| Memoranda: | ||
| Average total assets | $105,199,200 | 4,847 |
| Average earning assets | $89,933,600 | 5,019 |
| Average equity | $11,288,400 | 4,794 |
| Average total loans | $81,578,000 | 4,294 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9744% | 983 |
| Cost of funding earning assets | 1.3959% | 3,611 |
| Net interest margin | 4.5785% | 1,093 |
| Noninterest income to average assets | 1.3894% | 705 |
| Noninterest expense to average assets | 4.5834% | 545 |
| Loan and lease loss provision to assets | 0.3683% | 3,693 |
| Net operating income to assets | 0.2994% | 5,172 |
| Return on assets (ROA) | 0.3213% | 5,247 |
| Pretax return on assets | 0.3924% | 5,240 |
| Return on Equity (ROE) | 3.0655% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.0655% | 4,287 |
| Net charge-offs to loans | 0.0212% | 6,376 |
| Credit loss provision to net charge-offs | 2,230.7692% | 145 |
| Earnings coverage of net charge-offs (x) | 44.4691% | 628 |
| Efficiency ratio | 86.1954% | 1,614 |
| Assets per employee ($millions) | 2.6811% | 6,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 2,906 |
| Loan loss allowance to noncurrent loans | 58.3496% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 3.3683% | 2,116 |
| Noncurrent loans to loans | 3.0298% | 2,632 |
| Net loans and leases to total assets | 79.6565% | 797 |
| Net loans and leases to deposits | 90.7320% | 1,616 |
| Net loans and leases to core deposits | 105.8321% | 1,341 |
| Total domestic deposits to total assets | 87.7931% | 2,098 |
| Equity capital to assets | 10.7370% | 3,244 |
| Core capital (leverage) ratio | 10.4543% | 2,738 |
| Tier 1 risk-based capital ratio | 12.9222% | 4,636 |
| Total risk-based capital ratio | 14.1812% | 4,608 |
| Memoranda: | ||
| Average total assets | $104,984,250 | 4,909 |
| Average earning assets | $90,071,000 | 5,066 |
| Average equity | $11,003,750 | 4,923 |
| Average total loans | $81,595,250 | 4,362 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0239% | 893 |
| Cost of funding earning assets | 1.4981% | 3,270 |
| Net interest margin | 4.5258% | 1,152 |
| Noninterest income to average assets | 1.2043% | 892 |
| Noninterest expense to average assets | 4.5070% | 571 |
| Loan and lease loss provision to assets | 0.4262% | 3,196 |
| Net operating income to assets | 0.1313% | 5,782 |
| Return on assets (ROA) | 0.1731% | 5,779 |
| Pretax return on assets | 0.1522% | 5,880 |
| Return on Equity (ROE) | 1.6652% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.6652% | 5,039 |
| Net charge-offs to loans | -0.1018% | 7,555 |
| Credit loss provision to net charge-offs | -546.3415% | 6,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3625% | 1,385 |
| Assets per employee ($millions) | 2.6102% | 6,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7902% | 2,745 |
| Loan loss allowance to noncurrent loans | 58.6819% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 3.3589% | 2,094 |
| Noncurrent loans to loans | 3.0506% | 2,638 |
| Net loans and leases to total assets | 78.1339% | 1,089 |
| Net loans and leases to deposits | 88.8088% | 2,035 |
| Net loans and leases to core deposits | 107.6085% | 1,334 |
| Total domestic deposits to total assets | 87.9798% | 2,015 |
| Equity capital to assets | 10.5394% | 3,359 |
| Core capital (leverage) ratio | 10.1500% | 2,997 |
| Tier 1 risk-based capital ratio | 12.4313% | 4,921 |
| Total risk-based capital ratio | 13.6872% | 4,894 |
| Memoranda: | ||
| Average total assets | $105,124,330 | 4,940 |
| Average earning assets | $89,177,670 | 5,130 |
| Average equity | $10,929,330 | 4,936 |
| Average total loans | $80,530,000 | 4,433 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0565% | 872 |
| Cost of funding earning assets | 1.5979% | 2,977 |
| Net interest margin | 4.4587% | 1,238 |
| Noninterest income to average assets | 1.0390% | 1,181 |
| Noninterest expense to average assets | 4.4671% | 602 |
| Loan and lease loss provision to assets | 0.3223% | 3,483 |
| Net operating income to assets | 0.0379% | 6,193 |
| Return on assets (ROA) | 0.1213% | 6,077 |
| Pretax return on assets | 0.0683% | 6,210 |
| Return on Equity (ROE) | 1.1752% | 6,073 |
| Retained earnings to average equity (ytd only) | 1.1752% | 5,349 |
| Net charge-offs to loans | -0.0101% | 6,890 |
| Credit loss provision to net charge-offs | -4,250.0000% | 6,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5663% | 1,164 |
| Assets per employee ($millions) | 2.7283% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,336 |
| Loan loss allowance to noncurrent loans | 147.2441% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 1.7080% | 3,913 |
| Noncurrent loans to loans | 1.1060% | 5,142 |
| Net loans and leases to total assets | 72.4570% | 2,339 |
| Net loans and leases to deposits | 81.7698% | 3,323 |
| Net loans and leases to core deposits | 98.7191% | 2,270 |
| Total domestic deposits to total assets | 88.6109% | 1,728 |
| Equity capital to assets | 9.9972% | 3,880 |
| Core capital (leverage) ratio | 10.4430% | 2,680 |
| Tier 1 risk-based capital ratio | 12.7834% | 4,498 |
| Total risk-based capital ratio | 14.0404% | 4,456 |
| Memoranda: | ||
| Average total assets | $105,482,500 | 4,992 |
| Average earning assets | $88,367,500 | 5,223 |
| Average equity | $10,892,000 | 5,007 |
| Average total loans | $79,262,500 | 4,532 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3141% | 1,000 |
| Cost of funding earning assets | 1.8005% | 3,992 |
| Net interest margin | 4.5135% | 1,152 |
| Noninterest income to average assets | 1.7792% | 466 |
| Noninterest expense to average assets | 5.2589% | 444 |
| Loan and lease loss provision to assets | 1.1949% | 1,928 |
| Net operating income to assets | -0.4049% | 6,083 |
| Return on assets (ROA) | -0.4049% | 6,077 |
| Pretax return on assets | -0.7878% | 6,257 |
| Return on Equity (ROE) | -3.5077% | 6,055 |
| Retained earnings to average equity (ytd only) | -5.1252% | 6,037 |
| Net charge-offs to loans | 0.9985% | 2,413 |
| Credit loss provision to net charge-offs | 151.0610% | 3,054 |
| Earnings coverage of net charge-offs (x) | 0.5146% | 5,601 |
| Efficiency ratio | 92.8161% | 1,497 |
| Assets per employee ($millions) | 2.4838% | 7,230 |
| Cash dividends to net income (ytd only)* | -46.1140% | 7,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 3,426 |
| Loan loss allowance to noncurrent loans | 471.8147% | 702 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 4,655 |
| Noncurrent loans to loans | 0.3314% | 6,617 |
| Net loans and leases to total assets | 75.5357% | 1,911 |
| Net loans and leases to deposits | 85.9712% | 2,917 |
| Net loans and leases to core deposits | 101.8174% | 3,819 |
| Total domestic deposits to total assets | 87.8616% | 2,034 |
| Equity capital to assets | 10.6782% | 2,987 |
| Core capital (leverage) ratio | 10.3587% | 2,725 |
| Tier 1 risk-based capital ratio | 13.2309% | 3,996 |
| Total risk-based capital ratio | 14.4836% | 3,935 |
| Memoranda: | ||
| Average total assets | $95,324,600 | 5,231 |
| Average earning assets | $82,086,600 | 5,391 |
| Average equity | $11,004,400 | 5,021 |
| Average total loans | $75,514,400 | 4,670 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3459% | 1,036 |
| Cost of funding earning assets | 1.8242% | 4,259 |
| Net interest margin | 4.5217% | 1,140 |
| Noninterest income to average assets | 1.9523% | 390 |
| Noninterest expense to average assets | 5.3803% | 392 |
| Loan and lease loss provision to assets | 1.5809% | 1,198 |
| Net operating income to assets | -0.6176% | 6,534 |
| Return on assets (ROA) | -0.6176% | 6,543 |
| Pretax return on assets | -1.1256% | 6,779 |
| Return on Equity (ROE) | -5.2428% | 6,477 |
| Retained earnings to average equity (ytd only) | -7.3931% | 6,544 |
| Net charge-offs to loans | 1.3056% | 1,565 |
| Credit loss provision to net charge-offs | 151.5689% | 3,162 |
| Earnings coverage of net charge-offs (x) | 0.4366% | 5,595 |
| Efficiency ratio | 92.1970% | 1,527 |
| Assets per employee ($millions) | 2.5307% | 7,182 |
| Cash dividends to net income (ytd only)* | -41.0144% | 7,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 3,207 |
| Loan loss allowance to noncurrent loans | 113.6576% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 2.6725% | 2,607 |
| Noncurrent loans to loans | 1.3618% | 4,650 |
| Net loans and leases to total assets | 74.4861% | 2,389 |
| Net loans and leases to deposits | 84.5820% | 3,554 |
| Net loans and leases to core deposits | 101.4771% | 4,216 |
| Total domestic deposits to total assets | 88.0637% | 1,627 |
| Equity capital to assets | 10.4502% | 3,571 |
| Core capital (leverage) ratio | 10.5245% | 2,772 |
| Tier 1 risk-based capital ratio | 12.8768% | 4,280 |
| Total risk-based capital ratio | 14.1319% | 4,211 |
| Memoranda: | ||
| Average total assets | $93,697,250 | 5,309 |
| Average earning assets | $80,469,750 | 5,480 |
| Average equity | $11,037,000 | 5,065 |
| Average total loans | $74,857,250 | 4,739 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3760% | 1,056 |
| Cost of funding earning assets | 1.8254% | 4,635 |
| Net interest margin | 4.5506% | 1,054 |
| Noninterest income to average assets | 2.1164% | 335 |
| Noninterest expense to average assets | 5.5898% | 367 |
| Loan and lease loss provision to assets | 2.3001% | 694 |
| Net operating income to assets | -1.0648% | 7,027 |
| Return on assets (ROA) | -1.0648% | 7,025 |
| Pretax return on assets | -1.8219% | 7,223 |
| Return on Equity (ROE) | -8.6654% | 6,943 |
| Retained earnings to average equity (ytd only) | -11.0434% | 6,973 |
| Net charge-offs to loans | 1.8114% | 1,041 |
| Credit loss provision to net charge-offs | 155.7721% | 2,954 |
| Earnings coverage of net charge-offs (x) | 0.3238% | 5,350 |
| Efficiency ratio | 92.1197% | 1,632 |
| Assets per employee ($millions) | 2.3715% | 7,469 |
| Cash dividends to net income (ytd only)* | -27.4428% | 7,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 2,746 |
| Loan loss allowance to noncurrent loans | 55.1551% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 3.2993% | 1,886 |
| Noncurrent loans to loans | 2.9009% | 2,484 |
| Net loans and leases to total assets | 76.4717% | 2,059 |
| Net loans and leases to deposits | 87.5115% | 3,262 |
| Net loans and leases to core deposits | 106.1532% | 3,821 |
| Total domestic deposits to total assets | 87.3848% | 2,062 |
| Equity capital to assets | 11.0221% | 2,905 |
| Core capital (leverage) ratio | 11.2481% | 2,228 |
| Tier 1 risk-based capital ratio | 13.4193% | 3,856 |
| Total risk-based capital ratio | 14.6855% | 3,793 |
| Memoranda: | ||
| Average total assets | $90,343,330 | 5,446 |
| Average earning assets | $78,450,670 | 5,583 |
| Average equity | $11,101,670 | 5,058 |
| Average total loans | $73,642,670 | 4,823 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4780% | 907 |
| Cost of funding earning assets | 1.8351% | 4,944 |
| Net interest margin | 4.6429% | 877 |
| Noninterest income to average assets | 2.0345% | 357 |
| Noninterest expense to average assets | 5.6433% | 341 |
| Loan and lease loss provision to assets | 0.2071% | 4,372 |
| Net operating income to assets | 0.2394% | 5,533 |
| Return on assets (ROA) | 0.2394% | 5,693 |
| Pretax return on assets | 0.2486% | 5,829 |
| Return on Equity (ROE) | 1.8417% | 5,828 |
| Retained earnings to average equity (ytd only) | -1.2396% | 5,942 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5283% | 1,535 |
| Assets per employee ($millions) | 2.0126% | 7,887 |
| Cash dividends to net income (ytd only)* | 167.3077% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 4,853 |
| Loan loss allowance to noncurrent loans | 31.2544% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 3.8294% | 1,374 |
| Noncurrent loans to loans | 3.8187% | 1,612 |
| Net loans and leases to total assets | 84.3749% | 635 |
| Net loans and leases to deposits | 101.1806% | 1,263 |
| Net loans and leases to core deposits | 119.9218% | 2,421 |
| Total domestic deposits to total assets | 83.3903% | 3,955 |
| Equity capital to assets | 13.0298% | 1,728 |
| Core capital (leverage) ratio | 12.8975% | 1,519 |
| Tier 1 risk-based capital ratio | 14.9895% | 3,073 |
| Total risk-based capital ratio | 16.1928% | 3,025 |
| Memoranda: | ||
| Average total assets | $86,899,000 | 5,581 |
| Average earning assets | $76,072,500 | 5,696 |
| Average equity | $11,294,000 | 5,029 |
| Average total loans | $72,682,000 | 4,883 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1725% | 788 |
| Cost of funding earning assets | 2.4690% | 4,370 |
| Net interest margin | 4.7035% | 962 |
| Noninterest income to average assets | 1.5589% | 577 |
| Noninterest expense to average assets | 5.5179% | 497 |
| Loan and lease loss provision to assets | 0.1638% | 5,288 |
| Net operating income to assets | 0.1104% | 6,086 |
| Return on assets (ROA) | 0.1104% | 5,922 |
| Pretax return on assets | 0.0244% | 6,106 |
| Return on Equity (ROE) | 0.8278% | 5,966 |
| Retained earnings to average equity (ytd only) | -2.1611% | 5,917 |
| Net charge-offs to loans | 0.3795% | 2,938 |
| Credit loss provision to net charge-offs | 51.6484% | 6,335 |
| Earnings coverage of net charge-offs (x) | 0.5934% | 5,870 |
| Efficiency ratio | 96.7020% | 1,112 |
| Assets per employee ($millions) | 2.1815% | 7,739 |
| Cash dividends to net income (ytd only)* | 361.0526% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 4,765 |
| Loan loss allowance to noncurrent loans | 37.4497% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 3.4736% | 1,283 |
| Noncurrent loans to loans | 3.1274% | 1,692 |
| Net loans and leases to total assets | 80.9404% | 1,456 |
| Net loans and leases to deposits | 94.9658% | 2,621 |
| Net loans and leases to core deposits | 115.5206% | 3,174 |
| Total domestic deposits to total assets | 85.2312% | 2,736 |
| Equity capital to assets | 12.9639% | 1,807 |
| Core capital (leverage) ratio | 12.8391% | 1,600 |
| Tier 1 risk-based capital ratio | 15.0206% | 3,036 |
| Total risk-based capital ratio | 16.1633% | 3,005 |
| Memoranda: | ||
| Average total assets | $86,083,800 | 5,479 |
| Average earning assets | $75,901,200 | 5,590 |
| Average equity | $11,475,600 | 4,978 |
| Average total loans | $71,938,600 | 4,798 |