Home > Prime Meridian Bank > Performance and Condition Ratios
Prime Meridian Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1028% | 1,848 |
| Cost of funding earning assets | 1.3545% | 2,346 |
| Net interest margin | 3.7483% | 1,650 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 2.1848% | 3,169 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.1151% | 1,880 |
| Return on assets (ROA) | 1.1151% | 1,854 |
| Pretax return on assets | 1.4677% | 1,494 |
| Return on Equity (ROE) | 12.4600% | 1,850 |
| Retained earnings to average equity (ytd only) | 12.4560% | 580 |
| Net charge-offs to loans | 0.0604% | 1,248 |
| Credit loss provision to net charge-offs | 381.5789% | 806 |
| Earnings coverage of net charge-offs (x) | 35.7842% | 1,516 |
| Efficiency ratio | 57.0797% | 3,385 |
| Assets per employee ($millions) | 7.7681% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 3,839 |
| Loan loss allowance to noncurrent loans | 162.8157% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 1,376 |
| Noncurrent loans to loans | 0.5243% | 1,481 |
| Net loans and leases to total assets | 76.2300% | 1,088 |
| Net loans and leases to deposits | 86.5964% | 1,573 |
| Net loans and leases to core deposits | 91.5229% | 1,944 |
| Total domestic deposits to total assets | 88.0300% | 1,347 |
| Equity capital to assets | 9.2175% | 2,528 |
| Core capital (leverage) ratio | 10.1458% | 2,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0309% | 1,860 |
| Memoranda: | ||
| Average total assets | $827,712,000 | 1,151 |
| Average earning assets | $782,452,800 | 1,127 |
| Average equity | $74,101,000 | 1,193 |
| Average total loans | $628,823,800 | 1,060 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 1,835 |
| Cost of funding earning assets | 1.1963% | 2,442 |
| Net interest margin | 3.7986% | 1,601 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.1901% | 3,109 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.1832% | 1,834 |
| Return on assets (ROA) | 1.1832% | 1,823 |
| Pretax return on assets | 1.5595% | 1,444 |
| Return on Equity (ROE) | 13.3200% | 1,840 |
| Retained earnings to average equity (ytd only) | 13.3192% | 771 |
| Net charge-offs to loans | 0.0813% | 910 |
| Credit loss provision to net charge-offs | 194.9868% | 1,144 |
| Earnings coverage of net charge-offs (x) | 27.2982% | 1,643 |
| Efficiency ratio | 56.5878% | 3,348 |
| Assets per employee ($millions) | 7.6315% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 4,042 |
| Loan loss allowance to noncurrent loans | 331.0135% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 2,317 |
| Noncurrent loans to loans | 0.2316% | 2,421 |
| Net loans and leases to total assets | 76.2400% | 1,092 |
| Net loans and leases to deposits | 87.5130% | 1,426 |
| Net loans and leases to core deposits | 92.6386% | 1,756 |
| Total domestic deposits to total assets | 87.1100% | 1,855 |
| Equity capital to assets | 8.8376% | 2,516 |
| Core capital (leverage) ratio | 10.1833% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9925% | 1,899 |
| Memoranda: | ||
| Average total assets | $821,016,500 | 1,158 |
| Average earning assets | $775,714,500 | 1,137 |
| Average equity | $72,935,500 | 1,205 |
| Average total loans | $621,773,750 | 1,062 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8874% | 1,790 |
| Cost of funding earning assets | 1.0205% | 2,529 |
| Net interest margin | 3.8669% | 1,494 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.1612% | 3,188 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.2341% | 1,738 |
| Return on assets (ROA) | 1.2341% | 1,731 |
| Pretax return on assets | 1.6276% | 1,359 |
| Return on Equity (ROE) | 13.8700% | 1,709 |
| Retained earnings to average equity (ytd only) | 13.8681% | 699 |
| Net charge-offs to loans | 0.1071% | 650 |
| Credit loss provision to net charge-offs | 157.5758% | 1,169 |
| Earnings coverage of net charge-offs (x) | 21.8788% | 1,710 |
| Efficiency ratio | 55.0240% | 3,530 |
| Assets per employee ($millions) | 7.6011% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 4,095 |
| Loan loss allowance to noncurrent loans | 339.9712% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 2,369 |
| Noncurrent loans to loans | 0.2222% | 2,376 |
| Net loans and leases to total assets | 75.6900% | 1,085 |
| Net loans and leases to deposits | 88.1138% | 1,334 |
| Net loans and leases to core deposits | 92.1140% | 1,679 |
| Total domestic deposits to total assets | 85.9000% | 2,264 |
| Equity capital to assets | 8.8700% | 2,610 |
| Core capital (leverage) ratio | 9.9789% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7604% | 2,003 |
| Memoranda: | ||
| Average total assets | $817,412,000 | 1,161 |
| Average earning assets | $772,558,333 | 1,138 |
| Average equity | $72,742,667 | 1,201 |
| Average total loans | $616,013,333 | 1,059 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,679 |
| Cost of funding earning assets | 0.8336% | 2,585 |
| Net interest margin | 3.9410% | 1,385 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.1514% | 3,249 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.3025% | 1,656 |
| Return on assets (ROA) | 1.3025% | 1,629 |
| Pretax return on assets | 1.7189% | 1,238 |
| Return on Equity (ROE) | 14.6100% | 1,642 |
| Retained earnings to average equity (ytd only) | 14.6123% | 855 |
| Net charge-offs to loans | -0.0131% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.9275% | 3,608 |
| Assets per employee ($millions) | 7.4878% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 4,129 |
| Loan loss allowance to noncurrent loans | 355.9674% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 2,347 |
| Noncurrent loans to loans | 0.2179% | 2,386 |
| Net loans and leases to total assets | 75.2600% | 1,052 |
| Net loans and leases to deposits | 85.4340% | 1,391 |
| Net loans and leases to core deposits | 88.7235% | 1,691 |
| Total domestic deposits to total assets | 88.0900% | 1,898 |
| Equity capital to assets | 9.1019% | 2,437 |
| Core capital (leverage) ratio | 10.1276% | 2,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8296% | 2,037 |
| Memoranda: | ||
| Average total assets | $815,657,500 | 1,182 |
| Average earning assets | $770,668,500 | 1,155 |
| Average equity | $72,706,000 | 1,213 |
| Average total loans | $610,976,500 | 1,078 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 2,136 |
| Cost of funding earning assets | 0.3362% | 2,584 |
| Net interest margin | 3.5140% | 1,886 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.8974% | 3,826 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2152% | 1,714 |
| Return on assets (ROA) | 1.2152% | 1,661 |
| Pretax return on assets | 1.6005% | 1,169 |
| Return on Equity (ROE) | 14.7300% | 1,329 |
| Retained earnings to average equity (ytd only) | 14.7341% | 312 |
| Net charge-offs to loans | -0.0512% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.6548% | 3,920 |
| Assets per employee ($millions) | 7.6181% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,461 |
| Loan loss allowance to noncurrent loans | 956.4926% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 2,906 |
| Noncurrent loans to loans | 0.1239% | 2,898 |
| Net loans and leases to total assets | 73.0900% | 1,303 |
| Net loans and leases to deposits | 80.9662% | 1,696 |
| Net loans and leases to core deposits | 82.5476% | 1,968 |
| Total domestic deposits to total assets | 90.2700% | 1,250 |
| Equity capital to assets | 8.7255% | 2,548 |
| Core capital (leverage) ratio | 9.6950% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0368% | 1,966 |
| Memoranda: | ||
| Average total assets | $843,049,000 | 1,142 |
| Average earning assets | $798,403,400 | 1,117 |
| Average equity | $69,532,600 | 1,260 |
| Average total loans | $548,812,600 | 1,107 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 2,380 |
| Cost of funding earning assets | 0.2518% | 2,679 |
| Net interest margin | 3.3365% | 2,181 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.8103% | 3,968 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1681% | 1,821 |
| Return on assets (ROA) | 1.1681% | 1,796 |
| Pretax return on assets | 1.5381% | 1,304 |
| Return on Equity (ROE) | 14.3600% | 1,335 |
| Retained earnings to average equity (ytd only) | 14.3620% | 425 |
| Net charge-offs to loans | -0.0712% | 4,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.5834% | 3,963 |
| Assets per employee ($millions) | 7.8507% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,639 |
| Loan loss allowance to noncurrent loans | 682.0080% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 2,754 |
| Noncurrent loans to loans | 0.1730% | 2,727 |
| Net loans and leases to total assets | 69.0700% | 1,563 |
| Net loans and leases to deposits | 75.9559% | 1,880 |
| Net loans and leases to core deposits | 77.3281% | 2,091 |
| Total domestic deposits to total assets | 90.9400% | 1,265 |
| Equity capital to assets | 8.1546% | 2,791 |
| Core capital (leverage) ratio | 9.0665% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7260% | 2,161 |
| Memoranda: | ||
| Average total assets | $850,025,750 | 1,142 |
| Average earning assets | $805,245,500 | 1,110 |
| Average equity | $69,134,500 | 1,275 |
| Average total loans | $535,286,250 | 1,121 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3028% | 2,730 |
| Cost of funding earning assets | 0.2148% | 2,707 |
| Net interest margin | 3.0880% | 2,571 |
| Noninterest income to average assets | 0.2839% | 3,474 |
| Noninterest expense to average assets | 1.7578% | 4,041 |
| Loan and lease loss provision to assets | 0.0841% | 1,180 |
| Net operating income to assets | 1.0442% | 1,999 |
| Return on assets (ROA) | 1.0442% | 1,968 |
| Pretax return on assets | 1.3671% | 1,528 |
| Return on Equity (ROE) | 12.8495% | 1,423 |
| Retained earnings to average equity (ytd only) | 12.8495% | 483 |
| Net charge-offs to loans | -0.1066% | 4,462 |
| Credit loss provision to net charge-offs | -129.9639% | 3,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7765% | 3,886 |
| Assets per employee ($millions) | 8.6074% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 2,730 |
| Loan loss allowance to noncurrent loans | 1,894.2693% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,583 |
| Noncurrent loans to loans | 0.0629% | 3,487 |
| Net loans and leases to total assets | 63.7003% | 1,943 |
| Net loans and leases to deposits | 69.8029% | 2,227 |
| Net loans and leases to core deposits | 70.9913% | 2,416 |
| Total domestic deposits to total assets | 91.2575% | 1,125 |
| Equity capital to assets | 7.9641% | 3,153 |
| Core capital (leverage) ratio | 8.6065% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7161% | 2,197 |
| Memoranda: | ||
| Average total assets | $855,977,667 | 1,132 |
| Average earning assets | $810,827,333 | 1,106 |
| Average equity | $69,559,333 | 1,297 |
| Average total loans | $519,832,000 | 1,136 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1099% | 2,954 |
| Cost of funding earning assets | 0.2125% | 2,630 |
| Net interest margin | 2.8974% | 2,851 |
| Noninterest income to average assets | 0.2858% | 3,415 |
| Noninterest expense to average assets | 1.7390% | 4,073 |
| Loan and lease loss provision to assets | -0.1739% | 4,670 |
| Net operating income to assets | 1.1078% | 1,508 |
| Return on assets (ROA) | 1.1078% | 1,498 |
| Pretax return on assets | 1.4681% | 1,080 |
| Return on Equity (ROE) | 13.4962% | 939 |
| Retained earnings to average equity (ytd only) | 13.4962% | 422 |
| Net charge-offs to loans | -0.2262% | 4,624 |
| Credit loss provision to net charge-offs | 130.6338% | 901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3304% | 3,753 |
| Assets per employee ($millions) | 8.7485% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.6638% | 2,456 |
| Net loans and leases to deposits | 62.1538% | 2,703 |
| Net loans and leases to core deposits | 63.8857% | 2,801 |
| Total domestic deposits to total assets | 91.1671% | 946 |
| Equity capital to assets | 8.0421% | 3,534 |
| Core capital (leverage) ratio | 8.5618% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6999% | 1,916 |
| Memoranda: | ||
| Average total assets | $853,599,000 | 1,136 |
| Average earning assets | $809,406,500 | 1,114 |
| Average equity | $70,064,000 | 1,330 |
| Average total loans | $502,297,000 | 1,159 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4130% | 2,900 |
| Cost of funding earning assets | 0.2983% | 2,422 |
| Net interest margin | 3.1147% | 2,864 |
| Noninterest income to average assets | 0.3642% | 3,249 |
| Noninterest expense to average assets | 1.8307% | 4,086 |
| Loan and lease loss provision to assets | -0.0138% | 4,188 |
| Net operating income to assets | 1.1584% | 2,068 |
| Return on assets (ROA) | 1.1698% | 2,080 |
| Pretax return on assets | 1.5232% | 1,642 |
| Return on Equity (ROE) | 13.4669% | 1,325 |
| Retained earnings to average equity (ytd only) | 13.4669% | 352 |
| Net charge-offs to loans | 0.0028% | 2,520 |
| Credit loss provision to net charge-offs | -742.8571% | 3,849 |
| Earnings coverage of net charge-offs (x) | 803.0714% | 186 |
| Efficiency ratio | 55.0460% | 3,812 |
| Assets per employee ($millions) | 8.9478% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 59.6801% | 2,188 |
| Net loans and leases to deposits | 65.6854% | 2,541 |
| Net loans and leases to core deposits | 67.7052% | 2,681 |
| Total domestic deposits to total assets | 90.8574% | 549 |
| Equity capital to assets | 8.3790% | 4,128 |
| Core capital (leverage) ratio | 8.5330% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5937% | 2,023 |
| Memoranda: | ||
| Average total assets | $752,022,200 | 1,215 |
| Average earning assets | $715,028,000 | 1,196 |
| Average equity | $65,323,200 | 1,418 |
| Average total loans | $497,439,800 | 1,170 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 2,818 |
| Cost of funding earning assets | 0.3120% | 2,478 |
| Net interest margin | 3.1949% | 2,744 |
| Noninterest income to average assets | 0.3736% | 3,240 |
| Noninterest expense to average assets | 1.7975% | 4,177 |
| Loan and lease loss provision to assets | -0.0338% | 4,406 |
| Net operating income to assets | 1.2495% | 1,992 |
| Return on assets (ROA) | 1.2651% | 1,996 |
| Pretax return on assets | 1.6661% | 1,497 |
| Return on Equity (ROE) | 14.4167% | 1,277 |
| Retained earnings to average equity (ytd only) | 14.4167% | 467 |
| Net charge-offs to loans | 0.0019% | 2,333 |
| Credit loss provision to net charge-offs | -2,642.8571% | 4,046 |
| Earnings coverage of net charge-offs (x) | 1,260.8571% | 129 |
| Efficiency ratio | 52.7111% | 3,958 |
| Assets per employee ($millions) | 8.3617% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 3,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.3687% | 2,095 |
| Net loans and leases to deposits | 67.7512% | 2,459 |
| Net loans and leases to core deposits | 69.9567% | 2,603 |
| Total domestic deposits to total assets | 90.5795% | 517 |
| Equity capital to assets | 8.6361% | 4,114 |
| Core capital (leverage) ratio | 8.8194% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4464% | 2,186 |
| Memoranda: | ||
| Average total assets | $729,754,000 | 1,261 |
| Average earning assets | $693,551,500 | 1,243 |
| Average equity | $64,035,250 | 1,456 |
| Average total loans | $494,814,750 | 1,194 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 2,665 |
| Cost of funding earning assets | 0.3252% | 2,542 |
| Net interest margin | 3.2636% | 2,567 |
| Noninterest income to average assets | 0.3778% | 3,225 |
| Noninterest expense to average assets | 1.8071% | 4,167 |
| Loan and lease loss provision to assets | -0.0522% | 4,527 |
| Net operating income to assets | 1.3054% | 1,852 |
| Return on assets (ROA) | 1.3295% | 1,838 |
| Pretax return on assets | 1.7512% | 1,355 |
| Return on Equity (ROE) | 15.0625% | 1,141 |
| Retained earnings to average equity (ytd only) | 15.0625% | 420 |
| Net charge-offs to loans | 0.0032% | 2,065 |
| Credit loss provision to net charge-offs | -2,312.5000% | 3,861 |
| Earnings coverage of net charge-offs (x) | 738.5000% | 189 |
| Efficiency ratio | 51.9948% | 4,045 |
| Assets per employee ($millions) | 7.9635% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 64.0053% | 1,949 |
| Net loans and leases to deposits | 70.7457% | 2,336 |
| Net loans and leases to core deposits | 73.1630% | 2,501 |
| Total domestic deposits to total assets | 90.4724% | 564 |
| Equity capital to assets | 8.8100% | 3,965 |
| Core capital (leverage) ratio | 9.0109% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1053% | 1,939 |
| Memoranda: | ||
| Average total assets | $708,218,333 | 1,290 |
| Average earning assets | $672,211,667 | 1,272 |
| Average equity | $62,513,000 | 1,473 |
| Average total loans | $495,290,000 | 1,195 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 2,217 |
| Cost of funding earning assets | 0.3486% | 2,529 |
| Net interest margin | 3.4104% | 2,082 |
| Noninterest income to average assets | 0.3713% | 3,240 |
| Noninterest expense to average assets | 1.8759% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3143% | 1,783 |
| Return on assets (ROA) | 1.3642% | 1,736 |
| Pretax return on assets | 1.7963% | 1,294 |
| Return on Equity (ROE) | 15.4391% | 1,126 |
| Retained earnings to average equity (ytd only) | 15.4391% | 583 |
| Net charge-offs to loans | -0.0040% | 3,314 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9767% | 3,995 |
| Assets per employee ($millions) | 8.1915% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,813 |
| Loan loss allowance to noncurrent loans | 764.9937% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 3,618 |
| Noncurrent loans to loans | 0.1596% | 3,537 |
| Net loans and leases to total assets | 68.4336% | 1,472 |
| Net loans and leases to deposits | 75.5644% | 1,960 |
| Net loans and leases to core deposits | 78.4387% | 2,147 |
| Total domestic deposits to total assets | 90.5632% | 560 |
| Equity capital to assets | 8.5575% | 4,073 |
| Core capital (leverage) ratio | 9.0741% | 3,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9754% | 1,904 |
| Memoranda: | ||
| Average total assets | $684,059,000 | 1,311 |
| Average earning assets | $649,426,500 | 1,292 |
| Average equity | $60,444,000 | 1,510 |
| Average total loans | $497,873,500 | 1,191 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 2,947 |
| Cost of funding earning assets | 0.5439% | 2,646 |
| Net interest margin | 3.3824% | 2,827 |
| Noninterest income to average assets | 0.3628% | 3,299 |
| Noninterest expense to average assets | 2.0092% | 4,124 |
| Loan and lease loss provision to assets | 0.4902% | 519 |
| Net operating income to assets | 0.8323% | 2,971 |
| Return on assets (ROA) | 0.8323% | 3,095 |
| Pretax return on assets | 1.0764% | 2,788 |
| Return on Equity (ROE) | 9.0974% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.0974% | 745 |
| Net charge-offs to loans | 0.2708% | 635 |
| Credit loss provision to net charge-offs | 243.1741% | 1,966 |
| Earnings coverage of net charge-offs (x) | 7.7713% | 2,667 |
| Efficiency ratio | 56.1884% | 3,965 |
| Assets per employee ($millions) | 7.1919% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,802 |
| Loan loss allowance to noncurrent loans | 486.9704% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 3,311 |
| Noncurrent loans to loans | 0.2520% | 3,293 |
| Net loans and leases to total assets | 75.7422% | 815 |
| Net loans and leases to deposits | 84.1308% | 1,444 |
| Net loans and leases to core deposits | 87.9913% | 1,697 |
| Total domestic deposits to total assets | 90.0290% | 557 |
| Equity capital to assets | 9.1463% | 3,938 |
| Core capital (leverage) ratio | 9.0949% | 3,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5393% | 2,038 |
| Memoranda: | ||
| Average total assets | $581,384,800 | 1,365 |
| Average earning assets | $552,276,600 | 1,343 |
| Average equity | $53,191,000 | 1,599 |
| Average total loans | $432,779,600 | 1,267 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,151 |
| Cost of funding earning assets | 0.5910% | 2,672 |
| Net interest margin | 3.3457% | 3,050 |
| Noninterest income to average assets | 0.3566% | 3,323 |
| Noninterest expense to average assets | 1.9542% | 4,248 |
| Loan and lease loss provision to assets | 0.5863% | 437 |
| Net operating income to assets | 0.7571% | 3,262 |
| Return on assets (ROA) | 0.7571% | 3,372 |
| Pretax return on assets | 0.9922% | 3,099 |
| Return on Equity (ROE) | 8.2750% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.2750% | 1,217 |
| Net charge-offs to loans | 0.3406% | 457 |
| Credit loss provision to net charge-offs | 233.2394% | 1,986 |
| Earnings coverage of net charge-offs (x) | 6.2798% | 2,660 |
| Efficiency ratio | 55.3180% | 4,000 |
| Assets per employee ($millions) | 6.8957% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,671 |
| Loan loss allowance to noncurrent loans | 443.5741% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,185 |
| Noncurrent loans to loans | 0.2704% | 3,325 |
| Net loans and leases to total assets | 77.4301% | 907 |
| Net loans and leases to deposits | 86.1432% | 1,682 |
| Net loans and leases to core deposits | 90.9644% | 1,886 |
| Total domestic deposits to total assets | 89.8853% | 463 |
| Equity capital to assets | 9.2707% | 3,885 |
| Core capital (leverage) ratio | 9.0617% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0413% | 1,818 |
| Memoranda: | ||
| Average total assets | $564,914,250 | 1,385 |
| Average earning assets | $536,277,500 | 1,362 |
| Average equity | $51,688,500 | 1,630 |
| Average total loans | $416,888,000 | 1,302 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0051% | 3,308 |
| Cost of funding earning assets | 0.6437% | 2,734 |
| Net interest margin | 3.3615% | 3,219 |
| Noninterest income to average assets | 0.3221% | 3,532 |
| Noninterest expense to average assets | 2.0492% | 4,134 |
| Loan and lease loss provision to assets | 0.6820% | 415 |
| Net operating income to assets | 0.5967% | 3,751 |
| Return on assets (ROA) | 0.5967% | 3,828 |
| Pretax return on assets | 0.7797% | 3,648 |
| Return on Equity (ROE) | 6.5541% | 3,306 |
| Retained earnings to average equity (ytd only) | 6.5541% | 1,843 |
| Net charge-offs to loans | 0.5227% | 310 |
| Credit loss provision to net charge-offs | 181.0496% | 1,990 |
| Earnings coverage of net charge-offs (x) | 3.8805% | 2,645 |
| Efficiency ratio | 58.3672% | 3,650 |
| Assets per employee ($millions) | 6.7655% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,782 |
| Loan loss allowance to noncurrent loans | 298.8610% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 2,985 |
| Noncurrent loans to loans | 0.3844% | 3,029 |
| Net loans and leases to total assets | 74.9878% | 1,282 |
| Net loans and leases to deposits | 83.1533% | 2,082 |
| Net loans and leases to core deposits | 88.2695% | 2,215 |
| Total domestic deposits to total assets | 90.1802% | 350 |
| Equity capital to assets | 8.9424% | 4,135 |
| Core capital (leverage) ratio | 8.9886% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0527% | 1,789 |
| Memoranda: | ||
| Average total assets | $546,347,667 | 1,402 |
| Average earning assets | $518,285,000 | 1,379 |
| Average equity | $49,739,667 | 1,676 |
| Average total loans | $393,725,667 | 1,346 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1145% | 3,486 |
| Cost of funding earning assets | 0.7355% | 2,753 |
| Net interest margin | 3.3790% | 3,364 |
| Noninterest income to average assets | 0.3163% | 3,621 |
| Noninterest expense to average assets | 2.2089% | 3,985 |
| Loan and lease loss provision to assets | 0.4907% | 601 |
| Net operating income to assets | 0.6218% | 3,535 |
| Return on assets (ROA) | 0.6218% | 3,592 |
| Pretax return on assets | 0.8140% | 3,376 |
| Return on Equity (ROE) | 6.7608% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.7608% | 1,623 |
| Net charge-offs to loans | 0.3788% | 378 |
| Credit loss provision to net charge-offs | 185.4227% | 1,461 |
| Earnings coverage of net charge-offs (x) | 4.9300% | 2,098 |
| Efficiency ratio | 62.8678% | 3,387 |
| Assets per employee ($millions) | 6.0917% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,381 |
| Loan loss allowance to noncurrent loans | 168.2875% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 2,301 |
| Noncurrent loans to loans | 0.7437% | 2,144 |
| Net loans and leases to total assets | 69.2783% | 2,358 |
| Net loans and leases to deposits | 76.9064% | 2,992 |
| Net loans and leases to core deposits | 82.6890% | 2,963 |
| Total domestic deposits to total assets | 90.0812% | 297 |
| Equity capital to assets | 9.0325% | 4,585 |
| Core capital (leverage) ratio | 9.3272% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6391% | 2,426 |
| Memoranda: | ||
| Average total assets | $518,457,000 | 1,423 |
| Average earning assets | $490,560,000 | 1,404 |
| Average equity | $47,687,000 | 1,735 |
| Average total loans | $362,203,000 | 1,415 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 3,061 |
| Cost of funding earning assets | 0.8398% | 2,489 |
| Net interest margin | 3.6262% | 3,054 |
| Noninterest income to average assets | 0.3810% | 3,413 |
| Noninterest expense to average assets | 2.4031% | 3,687 |
| Loan and lease loss provision to assets | 0.2498% | 733 |
| Net operating income to assets | 0.8648% | 3,338 |
| Return on assets (ROA) | 0.8660% | 3,424 |
| Pretax return on assets | 1.1343% | 3,059 |
| Return on Equity (ROE) | 9.5077% | 2,516 |
| Retained earnings to average equity (ytd only) | 9.5077% | 588 |
| Net charge-offs to loans | 0.1193% | 1,559 |
| Credit loss provision to net charge-offs | 299.2063% | 934 |
| Earnings coverage of net charge-offs (x) | 16.5608% | 2,161 |
| Efficiency ratio | 63.4794% | 3,150 |
| Assets per employee ($millions) | 5.6914% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,077 |
| Loan loss allowance to noncurrent loans | 170.3589% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5173% | 2,353 |
| Noncurrent loans to loans | 0.7439% | 2,025 |
| Net loans and leases to total assets | 68.6651% | 2,589 |
| Net loans and leases to deposits | 76.8044% | 3,107 |
| Net loans and leases to core deposits | 82.9888% | 3,043 |
| Total domestic deposits to total assets | 89.4026% | 524 |
| Equity capital to assets | 9.3748% | 4,446 |
| Core capital (leverage) ratio | 9.3114% | 4,265 |
| Tier 1 risk-based capital ratio | 13.2441% | 3,654 |
| Total risk-based capital ratio | 14.4943% | 3,545 |
| Memoranda: | ||
| Average total assets | $452,782,600 | 1,547 |
| Average earning assets | $425,124,000 | 1,523 |
| Average equity | $41,240,200 | 1,877 |
| Average total loans | $316,848,200 | 1,536 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 2,985 |
| Cost of funding earning assets | 0.8392% | 2,514 |
| Net interest margin | 3.6835% | 2,978 |
| Noninterest income to average assets | 0.3748% | 3,470 |
| Noninterest expense to average assets | 2.5025% | 3,431 |
| Loan and lease loss provision to assets | 0.1770% | 1,039 |
| Net operating income to assets | 0.8701% | 3,453 |
| Return on assets (ROA) | 0.8718% | 3,529 |
| Pretax return on assets | 1.1537% | 3,121 |
| Return on Equity (ROE) | 9.6518% | 2,599 |
| Retained earnings to average equity (ytd only) | 9.6518% | 849 |
| Net charge-offs to loans | 0.1139% | 1,337 |
| Credit loss provision to net charge-offs | 221.5909% | 1,212 |
| Earnings coverage of net charge-offs (x) | 16.6364% | 2,134 |
| Efficiency ratio | 65.3218% | 2,811 |
| Assets per employee ($millions) | 5.3774% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,433 |
| Loan loss allowance to noncurrent loans | 152.9773% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 2,398 |
| Noncurrent loans to loans | 0.7943% | 1,992 |
| Net loans and leases to total assets | 66.8882% | 2,939 |
| Net loans and leases to deposits | 74.6610% | 3,421 |
| Net loans and leases to core deposits | 79.3238% | 3,438 |
| Total domestic deposits to total assets | 89.5893% | 417 |
| Equity capital to assets | 8.9765% | 4,792 |
| Core capital (leverage) ratio | 9.2439% | 4,437 |
| Tier 1 risk-based capital ratio | 12.9480% | 3,879 |
| Total risk-based capital ratio | 14.1451% | 3,803 |
| Memoranda: | ||
| Average total assets | $440,768,000 | 1,596 |
| Average earning assets | $413,581,500 | 1,579 |
| Average equity | $39,812,000 | 1,947 |
| Average total loans | $308,981,000 | 1,581 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 2,874 |
| Cost of funding earning assets | 0.8299% | 2,501 |
| Net interest margin | 3.7140% | 2,892 |
| Noninterest income to average assets | 0.3832% | 3,382 |
| Noninterest expense to average assets | 2.5809% | 3,242 |
| Loan and lease loss provision to assets | 0.1614% | 1,123 |
| Net operating income to assets | 0.8586% | 3,437 |
| Return on assets (ROA) | 0.8612% | 3,489 |
| Pretax return on assets | 1.1375% | 3,130 |
| Return on Equity (ROE) | 9.5125% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.5125% | 904 |
| Net charge-offs to loans | -0.0007% | 3,881 |
| Credit loss provision to net charge-offs | -34,400.0000% | 4,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5779% | 2,740 |
| Assets per employee ($millions) | 5.0070% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,052 |
| Loan loss allowance to noncurrent loans | 204.1794% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 2,774 |
| Noncurrent loans to loans | 0.6325% | 2,358 |
| Net loans and leases to total assets | 67.9434% | 2,822 |
| Net loans and leases to deposits | 75.5551% | 3,374 |
| Net loans and leases to core deposits | 80.2462% | 3,397 |
| Total domestic deposits to total assets | 89.9256% | 354 |
| Equity capital to assets | 8.8705% | 4,865 |
| Core capital (leverage) ratio | 9.1009% | 4,548 |
| Tier 1 risk-based capital ratio | 12.6852% | 4,023 |
| Total risk-based capital ratio | 13.9356% | 3,920 |
| Memoranda: | ||
| Average total assets | $426,369,330 | 1,652 |
| Average earning assets | $401,026,330 | 1,626 |
| Average equity | $38,601,670 | 1,996 |
| Average total loans | $302,742,330 | 1,608 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 2,542 |
| Cost of funding earning assets | 0.8304% | 2,368 |
| Net interest margin | 3.7659% | 2,649 |
| Noninterest income to average assets | 0.3428% | 3,573 |
| Noninterest expense to average assets | 2.5135% | 3,461 |
| Loan and lease loss provision to assets | 0.1593% | 1,059 |
| Net operating income to assets | 0.9323% | 3,117 |
| Return on assets (ROA) | 0.9376% | 3,146 |
| Pretax return on assets | 1.2370% | 2,675 |
| Return on Equity (ROE) | 10.2437% | 2,262 |
| Retained earnings to average equity (ytd only) | 10.2437% | 978 |
| Net charge-offs to loans | 0.0348% | 1,774 |
| Credit loss provision to net charge-offs | 634.6154% | 519 |
| Earnings coverage of net charge-offs (x) | 55.3462% | 962 |
| Efficiency ratio | 64.3988% | 3,176 |
| Assets per employee ($millions) | 5.1421% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,233 |
| Loan loss allowance to noncurrent loans | 625.0000% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 4,090 |
| Noncurrent loans to loans | 0.2030% | 3,862 |
| Net loans and leases to total assets | 69.2852% | 2,582 |
| Net loans and leases to deposits | 76.3989% | 3,222 |
| Net loans and leases to core deposits | 80.8107% | 3,291 |
| Total domestic deposits to total assets | 90.6888% | 230 |
| Equity capital to assets | 9.0401% | 4,650 |
| Core capital (leverage) ratio | 9.1842% | 4,490 |
| Tier 1 risk-based capital ratio | 13.0036% | 3,877 |
| Total risk-based capital ratio | 14.2540% | 3,775 |
| Memoranda: | ||
| Average total assets | $414,240,000 | 1,713 |
| Average earning assets | $391,620,500 | 1,670 |
| Average equity | $37,916,000 | 2,019 |
| Average total loans | $299,024,500 | 1,641 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 2,466 |
| Cost of funding earning assets | 0.6390% | 2,467 |
| Net interest margin | 3.8581% | 2,472 |
| Noninterest income to average assets | 0.3443% | 3,810 |
| Noninterest expense to average assets | 2.3093% | 4,095 |
| Loan and lease loss provision to assets | 0.1560% | 1,338 |
| Net operating income to assets | 1.1918% | 2,216 |
| Return on assets (ROA) | 1.1918% | 2,210 |
| Pretax return on assets | 1.5561% | 1,602 |
| Return on Equity (ROE) | 13.0552% | 1,325 |
| Retained earnings to average equity (ytd only) | 13.0552% | 228 |
| Net charge-offs to loans | 0.0230% | 2,954 |
| Credit loss provision to net charge-offs | 895.4545% | 405 |
| Earnings coverage of net charge-offs (x) | 98.2576% | 746 |
| Efficiency ratio | 57.4252% | 4,228 |
| Assets per employee ($millions) | 5.0846% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,428 |
| Loan loss allowance to noncurrent loans | 1,070.4678% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 4,392 |
| Noncurrent loans to loans | 0.1146% | 4,212 |
| Net loans and leases to total assets | 73.4113% | 2,026 |
| Net loans and leases to deposits | 81.1327% | 2,833 |
| Net loans and leases to core deposits | 86.0333% | 2,914 |
| Total domestic deposits to total assets | 90.4830% | 328 |
| Equity capital to assets | 9.2733% | 4,347 |
| Core capital (leverage) ratio | 9.2842% | 4,369 |
| Tier 1 risk-based capital ratio | 12.8978% | 3,904 |
| Total risk-based capital ratio | 14.1469% | 3,795 |
| Memoranda: | ||
| Average total assets | $378,765,600 | 1,803 |
| Average earning assets | $361,007,600 | 1,767 |
| Average equity | $34,576,200 | 2,091 |
| Average total loans | $287,203,600 | 1,650 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 2,551 |
| Cost of funding earning assets | 0.5836% | 2,597 |
| Net interest margin | 3.8410% | 2,498 |
| Noninterest income to average assets | 0.3438% | 3,846 |
| Noninterest expense to average assets | 2.3261% | 4,034 |
| Loan and lease loss provision to assets | 0.1944% | 908 |
| Net operating income to assets | 1.1216% | 2,568 |
| Return on assets (ROA) | 1.1216% | 2,580 |
| Pretax return on assets | 1.4904% | 1,933 |
| Return on Equity (ROE) | 12.3390% | 1,663 |
| Retained earnings to average equity (ytd only) | 12.3390% | 435 |
| Net charge-offs to loans | 0.0028% | 3,374 |
| Credit loss provision to net charge-offs | 9,066.6667% | 39 |
| Earnings coverage of net charge-offs (x) | 785.6475% | 109 |
| Efficiency ratio | 57.9932% | 4,123 |
| Assets per employee ($millions) | 5.3399% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,473 |
| Loan loss allowance to noncurrent loans | 2,052.5140% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 4,751 |
| Noncurrent loans to loans | 0.0598% | 4,627 |
| Net loans and leases to total assets | 72.8886% | 2,187 |
| Net loans and leases to deposits | 80.0442% | 3,043 |
| Net loans and leases to core deposits | 85.1882% | 3,073 |
| Total domestic deposits to total assets | 91.0605% | 203 |
| Equity capital to assets | 8.6967% | 4,796 |
| Core capital (leverage) ratio | 9.2090% | 4,505 |
| Tier 1 risk-based capital ratio | 12.4018% | 4,252 |
| Total risk-based capital ratio | 13.6516% | 4,144 |
| Memoranda: | ||
| Average total assets | $373,036,500 | 1,827 |
| Average earning assets | $356,150,500 | 1,787 |
| Average equity | $33,908,000 | 2,121 |
| Average total loans | $284,369,250 | 1,670 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 2,515 |
| Cost of funding earning assets | 0.5191% | 2,852 |
| Net interest margin | 3.8491% | 2,385 |
| Noninterest income to average assets | 0.3447% | 3,870 |
| Noninterest expense to average assets | 2.3242% | 4,094 |
| Loan and lease loss provision to assets | 0.2259% | 719 |
| Net operating income to assets | 1.1058% | 2,560 |
| Return on assets (ROA) | 1.1058% | 2,567 |
| Pretax return on assets | 1.4681% | 1,935 |
| Return on Equity (ROE) | 11.9715% | 1,733 |
| Retained earnings to average equity (ytd only) | 11.9715% | 521 |
| Net charge-offs to loans | 0.0029% | 3,090 |
| Credit loss provision to net charge-offs | 10,225.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 766.7500% | 106 |
| Efficiency ratio | 57.8419% | 4,257 |
| Assets per employee ($millions) | 5.3649% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,752 |
| Loan loss allowance to noncurrent loans | 3,934.4444% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,909 |
| Noncurrent loans to loans | 0.0304% | 4,784 |
| Net loans and leases to total assets | 76.8668% | 1,496 |
| Net loans and leases to deposits | 84.6284% | 2,461 |
| Net loans and leases to core deposits | 89.5066% | 2,611 |
| Total domestic deposits to total assets | 90.8286% | 292 |
| Equity capital to assets | 9.0024% | 4,557 |
| Core capital (leverage) ratio | 9.6779% | 3,910 |
| Tier 1 risk-based capital ratio | 12.2788% | 4,324 |
| Total risk-based capital ratio | 13.5135% | 4,209 |
| Memoranda: | ||
| Average total assets | $362,105,330 | 1,877 |
| Average earning assets | $345,583,330 | 1,837 |
| Average equity | $33,446,000 | 2,148 |
| Average total loans | $279,333,000 | 1,693 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 2,444 |
| Cost of funding earning assets | 0.4719% | 3,023 |
| Net interest margin | 3.8503% | 2,225 |
| Noninterest income to average assets | 0.5863% | 2,330 |
| Noninterest expense to average assets | 2.6674% | 3,139 |
| Loan and lease loss provision to assets | 0.2881% | 463 |
| Net operating income to assets | 0.9844% | 2,915 |
| Return on assets (ROA) | 0.9844% | 2,949 |
| Pretax return on assets | 1.3042% | 2,349 |
| Return on Equity (ROE) | 10.5137% | 2,169 |
| Retained earnings to average equity (ytd only) | 10.5137% | 1,012 |
| Net charge-offs to loans | 0.0074% | 2,479 |
| Credit loss provision to net charge-offs | 5,080.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 280.8000% | 239 |
| Efficiency ratio | 62.6198% | 3,682 |
| Assets per employee ($millions) | 5.0457% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,813 |
| Loan loss allowance to noncurrent loans | 917.3442% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 4,564 |
| Noncurrent loans to loans | 0.1307% | 4,384 |
| Net loans and leases to total assets | 77.8808% | 1,263 |
| Net loans and leases to deposits | 86.0221% | 2,165 |
| Net loans and leases to core deposits | 89.3396% | 2,510 |
| Total domestic deposits to total assets | 90.5358% | 462 |
| Equity capital to assets | 9.2666% | 4,303 |
| Core capital (leverage) ratio | 9.6907% | 3,861 |
| Tier 1 risk-based capital ratio | 12.3793% | 4,322 |
| Total risk-based capital ratio | 13.6104% | 4,226 |
| Memoranda: | ||
| Average total assets | $352,702,500 | 1,936 |
| Average earning assets | $336,494,000 | 1,894 |
| Average equity | $33,023,500 | 2,185 |
| Average total loans | $270,832,000 | 1,738 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 2,958 |
| Cost of funding earning assets | 0.3765% | 3,453 |
| Net interest margin | 3.7518% | 2,597 |
| Noninterest income to average assets | 0.5981% | 2,460 |
| Noninterest expense to average assets | 2.5738% | 3,530 |
| Loan and lease loss provision to assets | 0.0776% | 2,649 |
| Net operating income to assets | 0.9371% | 2,508 |
| Return on assets (ROA) | 0.9369% | 2,552 |
| Pretax return on assets | 1.5129% | 1,590 |
| Return on Equity (ROE) | 10.3905% | 1,725 |
| Retained earnings to average equity (ytd only) | 10.3905% | 300 |
| Net charge-offs to loans | -0.0016% | 4,521 |
| Credit loss provision to net charge-offs | -6,400.0000% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8015% | 3,970 |
| Assets per employee ($millions) | 4.8896% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,721 |
| Loan loss allowance to noncurrent loans | 2,340.2985% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0386% | 4,945 |
| Noncurrent loans to loans | 0.0517% | 4,760 |
| Net loans and leases to total assets | 73.7813% | 1,955 |
| Net loans and leases to deposits | 81.6910% | 2,754 |
| Net loans and leases to core deposits | 84.5846% | 3,020 |
| Total domestic deposits to total assets | 90.3174% | 463 |
| Equity capital to assets | 9.4625% | 4,260 |
| Core capital (leverage) ratio | 9.4818% | 4,074 |
| Tier 1 risk-based capital ratio | 12.7988% | 4,037 |
| Total risk-based capital ratio | 14.0097% | 3,950 |
| Memoranda: | ||
| Average total assets | $330,023,000 | 2,009 |
| Average earning assets | $313,718,400 | 1,967 |
| Average equity | $29,758,000 | 2,374 |
| Average total loans | $244,845,000 | 1,851 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 3,036 |
| Cost of funding earning assets | 0.3574% | 3,593 |
| Net interest margin | 3.7283% | 2,664 |
| Noninterest income to average assets | 0.6041% | 2,456 |
| Noninterest expense to average assets | 2.5738% | 3,492 |
| Loan and lease loss provision to assets | 0.0765% | 2,544 |
| Net operating income to assets | 0.9564% | 2,734 |
| Return on assets (ROA) | 0.9562% | 2,798 |
| Pretax return on assets | 1.4936% | 1,791 |
| Return on Equity (ROE) | 10.7455% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.7455% | 451 |
| Net charge-offs to loans | -0.0050% | 4,460 |
| Credit loss provision to net charge-offs | -2,077.7778% | 5,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1037% | 3,867 |
| Assets per employee ($millions) | 5.1404% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,924 |
| Loan loss allowance to noncurrent loans | 5,120.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 5,168 |
| Noncurrent loans to loans | 0.0235% | 5,017 |
| Net loans and leases to total assets | 73.3488% | 2,034 |
| Net loans and leases to deposits | 81.1893% | 2,857 |
| Net loans and leases to core deposits | 84.2386% | 3,111 |
| Total domestic deposits to total assets | 90.3428% | 368 |
| Equity capital to assets | 9.3857% | 4,560 |
| Core capital (leverage) ratio | 9.3817% | 4,314 |
| Tier 1 risk-based capital ratio | 12.7595% | 4,165 |
| Total risk-based capital ratio | 13.9714% | 4,088 |
| Memoranda: | ||
| Average total assets | $325,738,750 | 2,047 |
| Average earning assets | $309,304,500 | 2,005 |
| Average equity | $28,985,000 | 2,448 |
| Average total loans | $241,237,500 | 1,882 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 3,167 |
| Cost of funding earning assets | 0.3315% | 3,775 |
| Net interest margin | 3.6805% | 2,718 |
| Noninterest income to average assets | 0.6397% | 2,258 |
| Noninterest expense to average assets | 2.6315% | 3,337 |
| Loan and lease loss provision to assets | 0.0970% | 2,062 |
| Net operating income to assets | 0.9024% | 2,900 |
| Return on assets (ROA) | 0.9020% | 2,952 |
| Pretax return on assets | 1.4065% | 1,996 |
| Return on Equity (ROE) | 10.3402% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.3402% | 527 |
| Net charge-offs to loans | 0.0025% | 3,415 |
| Credit loss provision to net charge-offs | 5,166.6667% | 88 |
| Earnings coverage of net charge-offs (x) | 801.0000% | 92 |
| Efficiency ratio | 63.6295% | 3,736 |
| Assets per employee ($millions) | 4.9878% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2162% | 2,921 |
| Loan loss allowance to noncurrent loans | 2,210.2190% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 5,087 |
| Noncurrent loans to loans | 0.0550% | 4,914 |
| Net loans and leases to total assets | 72.5158% | 2,122 |
| Net loans and leases to deposits | 80.1005% | 2,898 |
| Net loans and leases to core deposits | 82.5699% | 3,204 |
| Total domestic deposits to total assets | 90.5310% | 347 |
| Equity capital to assets | 9.2659% | 4,659 |
| Core capital (leverage) ratio | 9.6742% | 3,930 |
| Tier 1 risk-based capital ratio | 12.6100% | 4,236 |
| Total risk-based capital ratio | 13.8241% | 4,161 |
| Memoranda: | ||
| Average total assets | $319,515,670 | 2,084 |
| Average earning assets | $303,487,330 | 2,034 |
| Average equity | $27,871,670 | 2,516 |
| Average total loans | $236,419,670 | 1,913 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,151 |
| Cost of funding earning assets | 0.3350% | 3,703 |
| Net interest margin | 3.6309% | 2,776 |
| Noninterest income to average assets | 0.5476% | 2,675 |
| Noninterest expense to average assets | 2.7150% | 3,086 |
| Loan and lease loss provision to assets | 0.0452% | 2,896 |
| Net operating income to assets | 0.7797% | 3,312 |
| Return on assets (ROA) | 0.7788% | 3,375 |
| Pretax return on assets | 1.2296% | 2,477 |
| Return on Equity (ROE) | 9.2435% | 2,297 |
| Retained earnings to average equity (ytd only) | 9.2435% | 1,002 |
| Net charge-offs to loans | 0.0052% | 2,792 |
| Credit loss provision to net charge-offs | 1,166.6667% | 272 |
| Earnings coverage of net charge-offs (x) | 329.3333% | 184 |
| Efficiency ratio | 68.0259% | 3,192 |
| Assets per employee ($millions) | 4.7083% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,776 |
| Loan loss allowance to noncurrent loans | 360.7940% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 4,188 |
| Noncurrent loans to loans | 0.3484% | 3,850 |
| Net loans and leases to total assets | 72.4146% | 2,015 |
| Net loans and leases to deposits | 79.2768% | 2,835 |
| Net loans and leases to core deposits | 81.6190% | 3,127 |
| Total domestic deposits to total assets | 91.3440% | 199 |
| Equity capital to assets | 8.3774% | 5,316 |
| Core capital (leverage) ratio | 8.6544% | 5,096 |
| Tier 1 risk-based capital ratio | 11.5429% | 5,005 |
| Total risk-based capital ratio | 12.7930% | 4,906 |
| Memoranda: | ||
| Average total assets | $309,689,000 | 2,154 |
| Average earning assets | $293,699,000 | 2,109 |
| Average equity | $26,094,000 | 2,632 |
| Average total loans | $230,140,000 | 1,955 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 2,812 |
| Cost of funding earning assets | 0.3167% | 3,884 |
| Net interest margin | 3.7936% | 2,340 |
| Noninterest income to average assets | 0.5561% | 2,881 |
| Noninterest expense to average assets | 2.6531% | 3,515 |
| Loan and lease loss provision to assets | 0.1543% | 1,619 |
| Net operating income to assets | 0.8799% | 2,929 |
| Return on assets (ROA) | 0.9037% | 2,913 |
| Pretax return on assets | 1.4044% | 1,925 |
| Return on Equity (ROE) | 9.9822% | 1,961 |
| Retained earnings to average equity (ytd only) | 9.9822% | 410 |
| Net charge-offs to loans | 0.0098% | 3,935 |
| Credit loss provision to net charge-offs | 2,019.0476% | 211 |
| Earnings coverage of net charge-offs (x) | 199.0952% | 346 |
| Efficiency ratio | 63.5516% | 4,022 |
| Assets per employee ($millions) | 4.7488% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 2,781 |
| Loan loss allowance to noncurrent loans | 354.6239% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 4,219 |
| Noncurrent loans to loans | 0.3542% | 3,862 |
| Net loans and leases to total assets | 74.3808% | 1,782 |
| Net loans and leases to deposits | 81.5270% | 2,723 |
| Net loans and leases to core deposits | 84.2718% | 3,000 |
| Total domestic deposits to total assets | 91.2346% | 219 |
| Equity capital to assets | 8.4762% | 5,286 |
| Core capital (leverage) ratio | 8.7330% | 5,038 |
| Tier 1 risk-based capital ratio | 11.7033% | 4,923 |
| Total risk-based capital ratio | 12.9541% | 4,827 |
| Memoranda: | ||
| Average total assets | $274,769,800 | 2,322 |
| Average earning assets | $262,097,000 | 2,266 |
| Average equity | $24,874,200 | 2,734 |
| Average total loans | $214,563,800 | 2,012 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 2,747 |
| Cost of funding earning assets | 0.3137% | 3,934 |
| Net interest margin | 3.8201% | 2,263 |
| Noninterest income to average assets | 0.5254% | 3,076 |
| Noninterest expense to average assets | 2.6294% | 3,569 |
| Loan and lease loss provision to assets | 0.2054% | 1,026 |
| Net operating income to assets | 0.8592% | 3,106 |
| Return on assets (ROA) | 0.8917% | 3,082 |
| Pretax return on assets | 1.3832% | 2,113 |
| Return on Equity (ROE) | 9.6756% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.6756% | 646 |
| Net charge-offs to loans | 0.0139% | 3,464 |
| Credit loss provision to net charge-offs | 1,872.7273% | 252 |
| Earnings coverage of net charge-offs (x) | 140.2397% | 494 |
| Efficiency ratio | 63.0981% | 4,057 |
| Assets per employee ($millions) | 4.6044% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,963 |
| Loan loss allowance to noncurrent loans | 246.5978% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4002% | 3,822 |
| Noncurrent loans to loans | 0.5066% | 3,479 |
| Net loans and leases to total assets | 78.0114% | 1,192 |
| Net loans and leases to deposits | 85.9377% | 2,267 |
| Net loans and leases to core deposits | 89.9616% | 2,583 |
| Total domestic deposits to total assets | 90.7766% | 250 |
| Equity capital to assets | 8.8480% | 5,286 |
| Core capital (leverage) ratio | 9.0051% | 4,827 |
| Tier 1 risk-based capital ratio | 11.5469% | 5,056 |
| Total risk-based capital ratio | 12.7975% | 4,973 |
| Memoranda: | ||
| Average total assets | $267,482,000 | 2,393 |
| Average earning assets | $254,993,750 | 2,329 |
| Average equity | $24,652,500 | 2,769 |
| Average total loans | $210,971,000 | 2,044 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1552% | 2,657 |
| Cost of funding earning assets | 0.3170% | 3,936 |
| Net interest margin | 3.8382% | 2,182 |
| Noninterest income to average assets | 0.4916% | 3,252 |
| Noninterest expense to average assets | 2.6613% | 3,516 |
| Loan and lease loss provision to assets | 0.2339% | 857 |
| Net operating income to assets | 0.8107% | 3,262 |
| Return on assets (ROA) | 0.8609% | 3,169 |
| Pretax return on assets | 1.3356% | 2,262 |
| Return on Equity (ROE) | 9.2043% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.2043% | 797 |
| Net charge-offs to loans | 0.0020% | 3,642 |
| Credit loss provision to net charge-offs | 15,200.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 969.0000% | 48 |
| Efficiency ratio | 64.0912% | 3,997 |
| Assets per employee ($millions) | 4.8590% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 3,016 |
| Loan loss allowance to noncurrent loans | 632.1185% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,861 |
| Noncurrent loans to loans | 0.1992% | 4,645 |
| Net loans and leases to total assets | 79.9618% | 912 |
| Net loans and leases to deposits | 89.8141% | 1,776 |
| Net loans and leases to core deposits | 94.4071% | 2,123 |
| Total domestic deposits to total assets | 89.0303% | 903 |
| Equity capital to assets | 9.2009% | 5,067 |
| Core capital (leverage) ratio | 9.1589% | 4,648 |
| Tier 1 risk-based capital ratio | 11.6970% | 5,035 |
| Total risk-based capital ratio | 12.9474% | 4,931 |
| Memoranda: | ||
| Average total assets | $259,950,330 | 2,456 |
| Average earning assets | $247,931,330 | 2,400 |
| Average equity | $24,314,670 | 2,806 |
| Average total loans | $204,909,330 | 2,098 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 2,721 |
| Cost of funding earning assets | 0.3174% | 3,979 |
| Net interest margin | 3.8141% | 2,239 |
| Noninterest income to average assets | 0.4349% | 3,577 |
| Noninterest expense to average assets | 2.7652% | 3,199 |
| Loan and lease loss provision to assets | 0.2111% | 920 |
| Net operating income to assets | 0.7094% | 3,667 |
| Return on assets (ROA) | 0.7248% | 3,709 |
| Pretax return on assets | 1.1171% | 3,030 |
| Return on Equity (ROE) | 7.6814% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.6814% | 1,596 |
| Net charge-offs to loans | 0.0041% | 2,982 |
| Credit loss provision to net charge-offs | 6,700.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 144 |
| Efficiency ratio | 67.9443% | 3,467 |
| Assets per employee ($millions) | 4.7130% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,969 |
| Loan loss allowance to noncurrent loans | 1,958.6466% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,421 |
| Noncurrent loans to loans | 0.0658% | 5,215 |
| Net loans and leases to total assets | 75.5874% | 1,455 |
| Net loans and leases to deposits | 83.5142% | 2,365 |
| Net loans and leases to core deposits | 87.7076% | 2,590 |
| Total domestic deposits to total assets | 90.5084% | 429 |
| Equity capital to assets | 9.2226% | 4,969 |
| Core capital (leverage) ratio | 9.3580% | 4,412 |
| Tier 1 risk-based capital ratio | 12.2522% | 4,749 |
| Total risk-based capital ratio | 13.5029% | 4,650 |
| Memoranda: | ||
| Average total assets | $253,873,000 | 2,511 |
| Average earning assets | $241,942,500 | 2,451 |
| Average equity | $23,954,000 | 2,838 |
| Average total loans | $197,186,500 | 2,148 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2508% | 2,385 |
| Cost of funding earning assets | 0.3281% | 3,932 |
| Net interest margin | 3.9227% | 1,956 |
| Noninterest income to average assets | 0.4246% | 3,858 |
| Noninterest expense to average assets | 2.7605% | 3,382 |
| Loan and lease loss provision to assets | 0.1886% | 1,182 |
| Net operating income to assets | 0.8031% | 3,321 |
| Return on assets (ROA) | 0.8305% | 3,267 |
| Pretax return on assets | 1.2498% | 2,467 |
| Return on Equity (ROE) | 8.5709% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.5709% | 758 |
| Net charge-offs to loans | 0.0336% | 3,539 |
| Credit loss provision to net charge-offs | 746.5517% | 449 |
| Earnings coverage of net charge-offs (x) | 55.3103% | 933 |
| Efficiency ratio | 66.3978% | 3,840 |
| Assets per employee ($millions) | 4.3539% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,987 |
| Loan loss allowance to noncurrent loans | 1,805.1095% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 5,440 |
| Noncurrent loans to loans | 0.0713% | 5,225 |
| Net loans and leases to total assets | 77.8444% | 1,140 |
| Net loans and leases to deposits | 86.4857% | 2,064 |
| Net loans and leases to core deposits | 91.9970% | 2,222 |
| Total domestic deposits to total assets | 90.0085% | 630 |
| Equity capital to assets | 9.6659% | 4,348 |
| Core capital (leverage) ratio | 9.4819% | 4,199 |
| Tier 1 risk-based capital ratio | 12.7940% | 4,458 |
| Total risk-based capital ratio | 14.0450% | 4,349 |
| Memoranda: | ||
| Average total assets | $229,634,200 | 2,668 |
| Average earning assets | $218,523,800 | 2,601 |
| Average equity | $22,249,600 | 2,946 |
| Average total loans | $172,532,400 | 2,326 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,471 |
| Cost of funding earning assets | 0.3256% | 4,038 |
| Net interest margin | 3.9069% | 2,005 |
| Noninterest income to average assets | 0.4034% | 4,061 |
| Noninterest expense to average assets | 2.7127% | 3,518 |
| Loan and lease loss provision to assets | 0.1964% | 1,028 |
| Net operating income to assets | 0.7779% | 3,536 |
| Return on assets (ROA) | 0.7938% | 3,547 |
| Pretax return on assets | 1.2337% | 2,682 |
| Return on Equity (ROE) | 8.1870% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.1870% | 1,175 |
| Net charge-offs to loans | 0.0016% | 4,127 |
| Credit loss provision to net charge-offs | 16,650.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 1,189.9813% | 61 |
| Efficiency ratio | 65.8743% | 3,909 |
| Assets per employee ($millions) | 4.5289% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,930 |
| Loan loss allowance to noncurrent loans | 1,220.6030% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 5,429 |
| Noncurrent loans to loans | 0.1094% | 5,195 |
| Net loans and leases to total assets | 73.3996% | 1,837 |
| Net loans and leases to deposits | 83.2248% | 2,502 |
| Net loans and leases to core deposits | 88.4924% | 2,612 |
| Total domestic deposits to total assets | 88.1943% | 1,456 |
| Equity capital to assets | 9.4885% | 4,765 |
| Core capital (leverage) ratio | 9.8717% | 3,810 |
| Tier 1 risk-based capital ratio | 12.8217% | 4,536 |
| Total risk-based capital ratio | 14.0729% | 4,451 |
| Memoranda: | ||
| Average total assets | $226,088,500 | 2,720 |
| Average earning assets | $214,964,250 | 2,651 |
| Average equity | $21,920,250 | 2,997 |
| Average total loans | $167,597,750 | 2,392 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 2,283 |
| Cost of funding earning assets | 0.3270% | 4,085 |
| Net interest margin | 3.9432% | 1,843 |
| Noninterest income to average assets | 0.3583% | 4,385 |
| Noninterest expense to average assets | 2.7054% | 3,576 |
| Loan and lease loss provision to assets | 0.1901% | 1,053 |
| Net operating income to assets | 0.7836% | 3,473 |
| Return on assets (ROA) | 0.8084% | 3,440 |
| Pretax return on assets | 1.2513% | 2,545 |
| Return on Equity (ROE) | 8.2728% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.2728% | 1,160 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8477% | 4,041 |
| Assets per employee ($millions) | 4.4933% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 3,186 |
| Loan loss allowance to noncurrent loans | 1,373.2143% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 5,572 |
| Noncurrent loans to loans | 0.0954% | 5,358 |
| Net loans and leases to total assets | 75.8138% | 1,390 |
| Net loans and leases to deposits | 86.3490% | 2,018 |
| Net loans and leases to core deposits | 92.3592% | 2,119 |
| Total domestic deposits to total assets | 87.7994% | 1,753 |
| Equity capital to assets | 9.8246% | 4,247 |
| Core capital (leverage) ratio | 10.0360% | 3,546 |
| Tier 1 risk-based capital ratio | 13.1014% | 4,461 |
| Total risk-based capital ratio | 14.3522% | 4,374 |
| Memoranda: | ||
| Average total assets | $219,931,330 | 2,790 |
| Average earning assets | $209,171,330 | 2,720 |
| Average equity | $21,492,000 | 3,054 |
| Average total loans | $162,818,670 | 2,454 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 2,222 |
| Cost of funding earning assets | 0.3285% | 4,118 |
| Net interest margin | 3.9344% | 1,772 |
| Noninterest income to average assets | 0.2731% | 4,995 |
| Noninterest expense to average assets | 2.7439% | 3,440 |
| Loan and lease loss provision to assets | 0.0334% | 3,222 |
| Net operating income to assets | 0.7983% | 3,270 |
| Return on assets (ROA) | 0.8490% | 3,133 |
| Pretax return on assets | 1.3116% | 2,230 |
| Return on Equity (ROE) | 8.7126% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.7126% | 1,306 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4113% | 3,756 |
| Assets per employee ($millions) | 4.6887% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 3,139 |
| Loan loss allowance to noncurrent loans | 1,202.2727% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 5,622 |
| Noncurrent loans to loans | 0.1124% | 5,361 |
| Net loans and leases to total assets | 70.0915% | 2,129 |
| Net loans and leases to deposits | 79.3075% | 2,639 |
| Net loans and leases to core deposits | 85.8168% | 2,567 |
| Total domestic deposits to total assets | 88.3795% | 1,606 |
| Equity capital to assets | 10.1280% | 3,974 |
| Core capital (leverage) ratio | 10.2915% | 3,222 |
| Tier 1 risk-based capital ratio | 13.8332% | 4,128 |
| Total risk-based capital ratio | 15.0838% | 4,053 |
| Memoranda: | ||
| Average total assets | $215,317,000 | 2,851 |
| Average earning assets | $204,553,500 | 2,784 |
| Average equity | $20,981,000 | 3,138 |
| Average total loans | $156,207,000 | 2,535 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 3,244 |
| Cost of funding earning assets | 0.3356% | 4,430 |
| Net interest margin | 3.7845% | 2,680 |
| Noninterest income to average assets | 0.3116% | 4,894 |
| Noninterest expense to average assets | 2.7783% | 3,567 |
| Loan and lease loss provision to assets | 0.3586% | 526 |
| Net operating income to assets | 0.4971% | 4,822 |
| Return on assets (ROA) | 0.5161% | 4,831 |
| Pretax return on assets | 0.7825% | 4,321 |
| Return on Equity (ROE) | 5.8110% | 4,252 |
| Retained earnings to average equity (ytd only) | 4.1893% | 3,214 |
| Net charge-offs to loans | 0.2773% | 1,561 |
| Credit loss provision to net charge-offs | 195.0392% | 1,266 |
| Earnings coverage of net charge-offs (x) | 6.0496% | 3,284 |
| Efficiency ratio | 71.4092% | 3,310 |
| Assets per employee ($millions) | 5.0063% | 2,315 |
| Cash dividends to net income (ytd only)* | 27.9070% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 3,191 |
| Loan loss allowance to noncurrent loans | 1,226.9006% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 5,704 |
| Noncurrent loans to loans | 0.1097% | 5,453 |
| Net loans and leases to total assets | 73.1173% | 1,733 |
| Net loans and leases to deposits | 82.0078% | 2,470 |
| Net loans and leases to core deposits | 87.4964% | 2,549 |
| Total domestic deposits to total assets | 89.1589% | 1,141 |
| Equity capital to assets | 9.3420% | 4,920 |
| Core capital (leverage) ratio | 9.5242% | 4,211 |
| Tier 1 risk-based capital ratio | 12.8394% | 4,830 |
| Total risk-based capital ratio | 14.0906% | 4,742 |
| Memoranda: | ||
| Average total assets | $208,293,400 | 2,895 |
| Average earning assets | $196,985,200 | 2,840 |
| Average equity | $18,499,400 | 3,345 |
| Average total loans | $138,094,600 | 2,735 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,709 |
| Cost of funding earning assets | 0.3377% | 4,496 |
| Net interest margin | 3.6742% | 3,131 |
| Noninterest income to average assets | 0.3163% | 4,909 |
| Noninterest expense to average assets | 2.7956% | 3,479 |
| Loan and lease loss provision to assets | 0.5114% | 294 |
| Net operating income to assets | 0.3239% | 5,517 |
| Return on assets (ROA) | 0.3317% | 5,556 |
| Pretax return on assets | 0.4908% | 5,343 |
| Return on Equity (ROE) | 3.7847% | 5,257 |
| Retained earnings to average equity (ytd only) | 1.5885% | 5,247 |
| Net charge-offs to loans | 0.5018% | 772 |
| Credit loss provision to net charge-offs | 158.4493% | 1,518 |
| Earnings coverage of net charge-offs (x) | 3.0696% | 3,751 |
| Efficiency ratio | 73.8349% | 2,847 |
| Assets per employee ($millions) | 4.9849% | 2,257 |
| Cash dividends to net income (ytd only)* | 58.0268% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 3,295 |
| Loan loss allowance to noncurrent loans | 101,400.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 4,632 |
| Noncurrent loans to loans | 0.0014% | 6,052 |
| Net loans and leases to total assets | 71.2922% | 1,973 |
| Net loans and leases to deposits | 80.0540% | 2,679 |
| Net loans and leases to core deposits | 82.8983% | 3,015 |
| Total domestic deposits to total assets | 89.0552% | 1,207 |
| Equity capital to assets | 9.3566% | 4,968 |
| Core capital (leverage) ratio | 9.0485% | 5,003 |
| Tier 1 risk-based capital ratio | 12.6421% | 5,070 |
| Total risk-based capital ratio | 13.8353% | 5,044 |
| Memoranda: | ||
| Average total assets | $207,800,500 | 2,925 |
| Average earning assets | $196,247,750 | 2,873 |
| Average equity | $18,213,500 | 3,393 |
| Average total loans | $133,658,750 | 2,810 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8747% | 4,245 |
| Cost of funding earning assets | 0.3402% | 4,538 |
| Net interest margin | 3.5345% | 3,637 |
| Noninterest income to average assets | 0.2910% | 5,092 |
| Noninterest expense to average assets | 2.7769% | 3,586 |
| Loan and lease loss provision to assets | 0.5657% | 253 |
| Net operating income to assets | 0.2077% | 5,813 |
| Return on assets (ROA) | 0.2077% | 5,872 |
| Pretax return on assets | 0.2900% | 5,802 |
| Return on Equity (ROE) | 2.4232% | 5,726 |
| Retained earnings to average equity (ytd only) | -0.9268% | 5,841 |
| Net charge-offs to loans | -0.0310% | 5,699 |
| Credit loss provision to net charge-offs | -2,955.0000% | 5,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4427% | 2,544 |
| Assets per employee ($millions) | 4.9094% | 2,328 |
| Cash dividends to net income (ytd only)* | 138.2488% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7257% | 2,055 |
| Loan loss allowance to noncurrent loans | 167.1418% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6804% | 3,950 |
| Noncurrent loans to loans | 1.0325% | 3,171 |
| Net loans and leases to total assets | 64.7635% | 2,950 |
| Net loans and leases to deposits | 72.5019% | 3,504 |
| Net loans and leases to core deposits | 75.0455% | 3,729 |
| Total domestic deposits to total assets | 89.3266% | 1,195 |
| Equity capital to assets | 9.1258% | 5,177 |
| Core capital (leverage) ratio | 8.9578% | 5,083 |
| Tier 1 risk-based capital ratio | 13.1784% | 4,799 |
| Total risk-based capital ratio | 14.4337% | 4,729 |
| Memoranda: | ||
| Average total assets | $208,940,670 | 2,928 |
| Average earning assets | $197,538,330 | 2,864 |
| Average equity | $17,910,330 | 3,426 |
| Average total loans | $128,966,670 | 2,885 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 4,517 |
| Cost of funding earning assets | 0.3477% | 4,561 |
| Net interest margin | 3.4445% | 3,922 |
| Noninterest income to average assets | 0.2511% | 5,356 |
| Noninterest expense to average assets | 2.6836% | 3,987 |
| Loan and lease loss provision to assets | 0.0552% | 3,011 |
| Net operating income to assets | 0.5097% | 4,638 |
| Return on assets (ROA) | 0.5097% | 4,715 |
| Pretax return on assets | 0.7722% | 4,215 |
| Return on Equity (ROE) | 6.1408% | 3,942 |
| Retained earnings to average equity (ytd only) | -0.7332% | 5,684 |
| Net charge-offs to loans | -0.0382% | 5,695 |
| Credit loss provision to net charge-offs | -241.6667% | 5,000 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4355% | 2,735 |
| Assets per employee ($millions) | 5.2245% | 1,984 |
| Cash dividends to net income (ytd only)* | 111.9403% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 3,667 |
| Loan loss allowance to noncurrent loans | 126.5146% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 4,162 |
| Noncurrent loans to loans | 1.0968% | 3,227 |
| Net loans and leases to total assets | 58.8858% | 3,718 |
| Net loans and leases to deposits | 66.5754% | 4,015 |
| Net loans and leases to core deposits | 68.7582% | 4,233 |
| Total domestic deposits to total assets | 88.4499% | 1,959 |
| Equity capital to assets | 8.6916% | 5,449 |
| Core capital (leverage) ratio | 8.6768% | 5,417 |
| Tier 1 risk-based capital ratio | 13.6704% | 4,560 |
| Total risk-based capital ratio | 14.9210% | 4,513 |
| Memoranda: | ||
| Average total assets | $210,313,500 | 2,929 |
| Average earning assets | $199,044,000 | 2,857 |
| Average equity | $17,457,000 | 3,486 |
| Average total loans | $125,508,000 | 2,963 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 4,193 |
| Cost of funding earning assets | 0.4011% | 4,646 |
| Net interest margin | 3.5700% | 3,603 |
| Noninterest income to average assets | 0.4537% | 4,064 |
| Noninterest expense to average assets | 2.5931% | 4,491 |
| Loan and lease loss provision to assets | 0.2758% | 1,271 |
| Net operating income to assets | 0.6245% | 4,137 |
| Return on assets (ROA) | 0.6295% | 4,228 |
| Pretax return on assets | 0.9606% | 3,513 |
| Return on Equity (ROE) | 7.2799% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.2799% | 1,326 |
| Net charge-offs to loans | 0.0197% | 5,045 |
| Credit loss provision to net charge-offs | 2,331.8182% | 103 |
| Earnings coverage of net charge-offs (x) | 103.9091% | 453 |
| Efficiency ratio | 67.8481% | 4,225 |
| Assets per employee ($millions) | 5.4321% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 3,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 58.7973% | 3,906 |
| Net loans and leases to deposits | 65.9569% | 4,300 |
| Net loans and leases to core deposits | 68.1800% | 4,497 |
| Total domestic deposits to total assets | 89.1450% | 1,519 |
| Equity capital to assets | 7.8945% | 6,089 |
| Core capital (leverage) ratio | 8.4131% | 5,764 |
| Tier 1 risk-based capital ratio | 12.4071% | 5,345 |
| Total risk-based capital ratio | 13.6582% | 5,288 |
| Memoranda: | ||
| Average total assets | $186,030,600 | 3,210 |
| Average earning assets | $175,517,600 | 3,139 |
| Average equity | $16,085,400 | 3,685 |
| Average total loans | $111,727,800 | 3,215 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 4,212 |
| Cost of funding earning assets | 0.4177% | 4,645 |
| Net interest margin | 3.5622% | 3,608 |
| Noninterest income to average assets | 0.5195% | 3,674 |
| Noninterest expense to average assets | 2.6057% | 4,373 |
| Loan and lease loss provision to assets | 0.2970% | 1,147 |
| Net operating income to assets | 0.6359% | 4,193 |
| Return on assets (ROA) | 0.6426% | 4,280 |
| Pretax return on assets | 0.9889% | 3,544 |
| Return on Equity (ROE) | 7.2517% | 3,516 |
| Retained earnings to average equity (ytd only) | 7.2517% | 1,771 |
| Net charge-offs to loans | 0.0294% | 4,544 |
| Credit loss provision to net charge-offs | 1,679.1667% | 196 |
| Earnings coverage of net charge-offs (x) | 72.1231% | 649 |
| Efficiency ratio | 67.1350% | 4,274 |
| Assets per employee ($millions) | 5.5974% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 3,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.8392% | 3,553 |
| Net loans and leases to deposits | 68.9094% | 3,947 |
| Net loans and leases to core deposits | 71.4538% | 4,156 |
| Total domestic deposits to total assets | 88.2886% | 1,947 |
| Equity capital to assets | 8.4688% | 5,769 |
| Core capital (leverage) ratio | 8.7411% | 5,485 |
| Tier 1 risk-based capital ratio | 12.9336% | 5,165 |
| Total risk-based capital ratio | 14.1840% | 5,109 |
| Memoranda: | ||
| Average total assets | $180,933,000 | 3,289 |
| Average earning assets | $170,753,500 | 3,233 |
| Average equity | $16,032,750 | 3,735 |
| Average total loans | $108,883,750 | 3,293 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 4,186 |
| Cost of funding earning assets | 0.4416% | 4,524 |
| Net interest margin | 3.5389% | 3,616 |
| Noninterest income to average assets | 0.6254% | 3,046 |
| Noninterest expense to average assets | 2.5882% | 4,430 |
| Loan and lease loss provision to assets | 0.3633% | 910 |
| Net operating income to assets | 0.6524% | 4,049 |
| Return on assets (ROA) | 0.6524% | 4,214 |
| Pretax return on assets | 1.0090% | 3,470 |
| Return on Equity (ROE) | 7.2479% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.2479% | 1,771 |
| Net charge-offs to loans | 0.0604% | 3,842 |
| Credit loss provision to net charge-offs | 1,009.3750% | 298 |
| Earnings coverage of net charge-offs (x) | 38.1250% | 961 |
| Efficiency ratio | 65.3508% | 4,660 |
| Assets per employee ($millions) | 5.1131% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 4,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 62.0417% | 3,277 |
| Net loans and leases to deposits | 70.4064% | 3,664 |
| Net loans and leases to core deposits | 73.2205% | 3,899 |
| Total domestic deposits to total assets | 88.1194% | 2,158 |
| Equity capital to assets | 8.5863% | 5,683 |
| Core capital (leverage) ratio | 8.9652% | 5,054 |
| Tier 1 risk-based capital ratio | 12.9063% | 5,217 |
| Total risk-based capital ratio | 14.1422% | 5,165 |
| Memoranda: | ||
| Average total assets | $177,807,330 | 3,339 |
| Average earning assets | $167,568,000 | 3,294 |
| Average equity | $16,004,670 | 3,771 |
| Average total loans | $106,043,330 | 3,353 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 4,717 |
| Cost of funding earning assets | 0.4686% | 4,387 |
| Net interest margin | 3.3623% | 4,265 |
| Noninterest income to average assets | 0.8175% | 2,060 |
| Noninterest expense to average assets | 2.5281% | 4,663 |
| Loan and lease loss provision to assets | 0.4236% | 714 |
| Net operating income to assets | 0.6824% | 3,770 |
| Return on assets (ROA) | 0.6824% | 3,923 |
| Pretax return on assets | 1.0534% | 3,130 |
| Return on Equity (ROE) | 7.4017% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.4017% | 1,984 |
| Net charge-offs to loans | -0.0316% | 5,918 |
| Credit loss provision to net charge-offs | -2,312.5000% | 5,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1218% | 5,139 |
| Assets per employee ($millions) | 5.4452% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,546 |
| Loan loss allowance to noncurrent loans | 1,421.7822% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 6,436 |
| Noncurrent loans to loans | 0.0937% | 6,198 |
| Net loans and leases to total assets | 59.1649% | 3,577 |
| Net loans and leases to deposits | 67.6001% | 3,818 |
| Net loans and leases to core deposits | 70.5037% | 4,012 |
| Total domestic deposits to total assets | 87.5219% | 2,619 |
| Equity capital to assets | 9.0305% | 5,444 |
| Core capital (leverage) ratio | 8.9692% | 4,936 |
| Tier 1 risk-based capital ratio | 13.6821% | 4,735 |
| Total risk-based capital ratio | 14.9324% | 4,702 |
| Memoranda: | ||
| Average total assets | $174,674,500 | 3,419 |
| Average earning assets | $165,600,500 | 3,354 |
| Average equity | $16,104,500 | 3,801 |
| Average total loans | $101,197,000 | 3,474 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 5,240 |
| Cost of funding earning assets | 0.5659% | 4,682 |
| Net interest margin | 3.4541% | 4,690 |
| Noninterest income to average assets | 0.2454% | 5,700 |
| Noninterest expense to average assets | 2.7112% | 4,361 |
| Loan and lease loss provision to assets | 0.3155% | 2,168 |
| Net operating income to assets | 0.3176% | 5,406 |
| Return on assets (ROA) | 0.6936% | 4,028 |
| Pretax return on assets | 1.0958% | 3,173 |
| Return on Equity (ROE) | 6.6953% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.6953% | 1,721 |
| Net charge-offs to loans | 0.1556% | 4,145 |
| Credit loss provision to net charge-offs | 355.6391% | 688 |
| Earnings coverage of net charge-offs (x) | 9.2857% | 2,278 |
| Efficiency ratio | 76.6981% | 2,636 |
| Assets per employee ($millions) | 4.9899% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 4,563 |
| Loan loss allowance to noncurrent loans | 1,230.6931% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 6,473 |
| Noncurrent loans to loans | 0.1067% | 6,220 |
| Net loans and leases to total assets | 55.0525% | 4,444 |
| Net loans and leases to deposits | 63.3390% | 4,624 |
| Net loans and leases to core deposits | 66.0143% | 4,734 |
| Total domestic deposits to total assets | 86.9172% | 2,882 |
| Equity capital to assets | 9.4201% | 4,975 |
| Core capital (leverage) ratio | 9.6685% | 3,862 |
| Tier 1 risk-based capital ratio | 14.7509% | 3,865 |
| Total risk-based capital ratio | 15.9387% | 3,860 |
| Memoranda: | ||
| Average total assets | $149,931,600 | 3,773 |
| Average earning assets | $142,785,400 | 3,682 |
| Average equity | $15,533,200 | 3,851 |
| Average total loans | $85,460,400 | 3,865 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0832% | 5,254 |
| Cost of funding earning assets | 0.5901% | 4,745 |
| Net interest margin | 3.4932% | 4,674 |
| Noninterest income to average assets | 0.2225% | 5,962 |
| Noninterest expense to average assets | 2.7852% | 4,036 |
| Loan and lease loss provision to assets | 0.3752% | 1,723 |
| Net operating income to assets | 0.2309% | 5,836 |
| Return on assets (ROA) | 0.7494% | 3,946 |
| Pretax return on assets | 1.2036% | 2,984 |
| Return on Equity (ROE) | 7.0465% | 3,777 |
| Retained earnings to average equity (ytd only) | 7.0465% | 2,097 |
| Net charge-offs to loans | -0.0401% | 6,654 |
| Credit loss provision to net charge-offs | -1,632.0000% | 6,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3700% | 2,345 |
| Assets per employee ($millions) | 4.6199% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4849% | 4,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 58.1390% | 4,113 |
| Net loans and leases to deposits | 67.8431% | 4,210 |
| Net loans and leases to core deposits | 71.0848% | 4,366 |
| Total domestic deposits to total assets | 85.6963% | 3,418 |
| Equity capital to assets | 10.3990% | 3,962 |
| Core capital (leverage) ratio | 10.3068% | 3,154 |
| Tier 1 risk-based capital ratio | 15.5584% | 3,500 |
| Total risk-based capital ratio | 16.8094% | 3,460 |
| Memoranda: | ||
| Average total assets | $145,000,000 | 3,901 |
| Average earning assets | $138,285,750 | 3,786 |
| Average equity | $15,421,000 | 3,908 |
| Average total loans | $83,164,500 | 3,982 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 5,487 |
| Cost of funding earning assets | 0.6209% | 4,711 |
| Net interest margin | 3.4287% | 4,976 |
| Noninterest income to average assets | 0.2231% | 5,971 |
| Noninterest expense to average assets | 2.7913% | 4,046 |
| Loan and lease loss provision to assets | 0.3368% | 1,958 |
| Net operating income to assets | 0.2121% | 5,881 |
| Return on assets (ROA) | 1.0034% | 2,665 |
| Pretax return on assets | 1.6097% | 1,519 |
| Return on Equity (ROE) | 9.3607% | 2,642 |
| Retained earnings to average equity (ytd only) | 9.3607% | 1,153 |
| Net charge-offs to loans | -0.0445% | 6,633 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7194% | 2,231 |
| Assets per employee ($millions) | 4.2442% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 4,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.3485% | 4,570 |
| Net loans and leases to deposits | 65.5373% | 4,566 |
| Net loans and leases to core deposits | 69.1938% | 4,639 |
| Total domestic deposits to total assets | 84.4534% | 4,117 |
| Equity capital to assets | 10.7649% | 3,379 |
| Core capital (leverage) ratio | 10.8495% | 2,435 |
| Tier 1 risk-based capital ratio | 16.8059% | 2,757 |
| Total risk-based capital ratio | 18.0574% | 2,713 |
| Memoranda: | ||
| Average total assets | $142,514,330 | 3,959 |
| Average earning assets | $136,259,670 | 3,843 |
| Average equity | $15,276,670 | 3,925 |
| Average total loans | $80,895,000 | 4,075 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 5,471 |
| Cost of funding earning assets | 0.6665% | 4,565 |
| Net interest margin | 3.4296% | 4,997 |
| Noninterest income to average assets | 0.2175% | 6,058 |
| Noninterest expense to average assets | 2.7595% | 4,209 |
| Loan and lease loss provision to assets | 0.5169% | 1,166 |
| Net operating income to assets | 0.1187% | 6,198 |
| Return on assets (ROA) | 0.9123% | 3,079 |
| Pretax return on assets | 1.4659% | 1,978 |
| Return on Equity (ROE) | 8.5292% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.5292% | 1,769 |
| Net charge-offs to loans | -0.0544% | 6,558 |
| Credit loss provision to net charge-offs | -1,663.6364% | 6,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7903% | 2,380 |
| Assets per employee ($millions) | 4.7946% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 5,000 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.6871% | 4,092 |
| Net loans and leases to deposits | 68.5922% | 3,949 |
| Net loans and leases to core deposits | 75.6977% | 3,649 |
| Total domestic deposits to total assets | 84.1016% | 4,438 |
| Equity capital to assets | 10.6224% | 3,359 |
| Core capital (leverage) ratio | 10.5240% | 2,722 |
| Tier 1 risk-based capital ratio | 16.3802% | 2,972 |
| Total risk-based capital ratio | 17.6014% | 2,947 |
| Memoranda: | ||
| Average total assets | $141,620,500 | 4,006 |
| Average earning assets | $135,642,500 | 3,888 |
| Average equity | $15,148,000 | 3,961 |
| Average total loans | $80,827,500 | 4,102 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 5,604 |
| Cost of funding earning assets | 0.8683% | 4,334 |
| Net interest margin | 3.4809% | 5,217 |
| Noninterest income to average assets | 0.1018% | 6,632 |
| Noninterest expense to average assets | 2.4783% | 5,542 |
| Loan and lease loss provision to assets | 0.1193% | 5,108 |
| Net operating income to assets | 0.5272% | 4,315 |
| Return on assets (ROA) | 0.5272% | 4,517 |
| Pretax return on assets | 0.8483% | 3,779 |
| Return on Equity (ROE) | 4.4059% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.4059% | 3,038 |
| Net charge-offs to loans | -0.0257% | 6,985 |
| Credit loss provision to net charge-offs | -794.4444% | 6,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9196% | 3,591 |
| Assets per employee ($millions) | 4.8070% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 5,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 55.0053% | 4,874 |
| Net loans and leases to deposits | 66.1077% | 4,714 |
| Net loans and leases to core deposits | 73.2600% | 4,341 |
| Total domestic deposits to total assets | 83.2055% | 4,663 |
| Equity capital to assets | 10.7724% | 3,225 |
| Core capital (leverage) ratio | 10.6115% | 2,609 |
| Tier 1 risk-based capital ratio | 16.0393% | 3,023 |
| Total risk-based capital ratio | 17.0458% | 3,119 |
| Memoranda: | ||
| Average total assets | $119,880,400 | 4,406 |
| Average earning assets | $115,169,800 | 4,257 |
| Average equity | $14,344,400 | 4,039 |
| Average total loans | $70,118,000 | 4,488 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 5,479 |
| Cost of funding earning assets | 0.9102% | 4,332 |
| Net interest margin | 3.5248% | 5,077 |
| Noninterest income to average assets | 0.0985% | 6,757 |
| Noninterest expense to average assets | 2.4452% | 5,647 |
| Loan and lease loss provision to assets | 0.0985% | 5,226 |
| Net operating income to assets | 0.5843% | 4,157 |
| Return on assets (ROA) | 0.5843% | 4,343 |
| Pretax return on assets | 0.9403% | 3,617 |
| Return on Equity (ROE) | 4.7402% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.7402% | 3,353 |
| Net charge-offs to loans | -0.0137% | 6,831 |
| Credit loss provision to net charge-offs | -1,214.2857% | 6,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1830% | 3,930 |
| Assets per employee ($millions) | 5.0858% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 5,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.2354% | 5,136 |
| Net loans and leases to deposits | 66.4806% | 4,829 |
| Net loans and leases to core deposits | 74.0424% | 4,437 |
| Total domestic deposits to total assets | 81.5807% | 5,225 |
| Equity capital to assets | 11.3461% | 2,818 |
| Core capital (leverage) ratio | 11.9099% | 1,760 |
| Tier 1 risk-based capital ratio | 16.5885% | 2,819 |
| Total risk-based capital ratio | 17.5602% | 2,929 |
| Memoranda: | ||
| Average total assets | $114,999,750 | 4,558 |
| Average earning assets | $110,453,000 | 4,408 |
| Average equity | $14,176,250 | 4,094 |
| Average total loans | $68,252,000 | 4,592 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 5,181 |
| Cost of funding earning assets | 0.9553% | 4,280 |
| Net interest margin | 3.5923% | 4,750 |
| Noninterest income to average assets | 0.0915% | 6,867 |
| Noninterest expense to average assets | 2.4804% | 5,614 |
| Loan and lease loss provision to assets | 0.1098% | 4,926 |
| Net operating income to assets | 0.5913% | 4,102 |
| Return on assets (ROA) | 0.5913% | 4,233 |
| Pretax return on assets | 0.9501% | 3,429 |
| Return on Equity (ROE) | 4.6473% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.6473% | 3,224 |
| Net charge-offs to loans | -0.0090% | 6,664 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0620% | 4,114 |
| Assets per employee ($millions) | 5.3960% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.5558% | 3,978 |
| Net loans and leases to deposits | 77.7198% | 3,173 |
| Net loans and leases to core deposits | 88.2825% | 2,606 |
| Total domestic deposits to total assets | 79.2022% | 6,033 |
| Equity capital to assets | 12.6823% | 1,689 |
| Core capital (leverage) ratio | 12.3001% | 1,454 |
| Tier 1 risk-based capital ratio | 16.8386% | 2,593 |
| Total risk-based capital ratio | 17.8309% | 2,658 |
| Memoranda: | ||
| Average total assets | $109,256,000 | 4,718 |
| Average earning assets | $104,892,000 | 4,587 |
| Average equity | $13,900,670 | 4,141 |
| Average total loans | $66,819,330 | 4,691 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3780% | 5,768 |
| Cost of funding earning assets | 0.9936% | 4,245 |
| Net interest margin | 3.3844% | 5,488 |
| Noninterest income to average assets | 0.0821% | 6,991 |
| Noninterest expense to average assets | 2.4695% | 5,671 |
| Loan and lease loss provision to assets | -0.0485% | 7,466 |
| Net operating income to assets | 0.5670% | 4,197 |
| Return on assets (ROA) | 0.5670% | 4,271 |
| Pretax return on assets | 0.9140% | 3,449 |
| Return on Equity (ROE) | 4.4492% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.4492% | 3,507 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0492% | 3,505 |
| Assets per employee ($millions) | 5.8846% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 56.9601% | 4,806 |
| Net loans and leases to deposits | 71.6128% | 4,123 |
| Net loans and leases to core deposits | 80.8947% | 3,616 |
| Total domestic deposits to total assets | 79.5390% | 6,050 |
| Equity capital to assets | 12.2549% | 1,756 |
| Core capital (leverage) ratio | 12.8738% | 1,168 |
| Tier 1 risk-based capital ratio | 18.5959% | 1,928 |
| Total risk-based capital ratio | 19.5934% | 1,961 |
| Memoranda: | ||
| Average total assets | $107,226,500 | 4,810 |
| Average earning assets | $103,061,500 | 4,658 |
| Average equity | $13,665,500 | 4,177 |
| Average total loans | $64,950,500 | 4,808 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 6,196 |
| Cost of funding earning assets | 1.1101% | 5,084 |
| Net interest margin | 3.4568% | 5,406 |
| Noninterest income to average assets | 0.1334% | 6,726 |
| Noninterest expense to average assets | 2.9432% | 4,060 |
| Loan and lease loss provision to assets | 0.5461% | 2,955 |
| Net operating income to assets | -0.0241% | 5,885 |
| Return on assets (ROA) | 0.2205% | 5,364 |
| Pretax return on assets | 0.3641% | 5,046 |
| Return on Equity (ROE) | 1.5955% | 5,527 |
| Retained earnings to average equity (ytd only) | 1.5955% | 4,724 |
| Net charge-offs to loans | 0.5131% | 3,565 |
| Credit loss provision to net charge-offs | 162.0805% | 2,146 |
| Earnings coverage of net charge-offs (x) | 1.5671% | 4,562 |
| Efficiency ratio | 84.7883% | 1,824 |
| Assets per employee ($millions) | 5.4024% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 5,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 63.0756% | 4,054 |
| Net loans and leases to deposits | 75.3661% | 3,946 |
| Net loans and leases to core deposits | 85.2961% | 3,430 |
| Total domestic deposits to total assets | 83.6923% | 4,507 |
| Equity capital to assets | 13.2778% | 1,267 |
| Core capital (leverage) ratio | 13.7314% | 919 |
| Tier 1 risk-based capital ratio | 19.0771% | 1,698 |
| Total risk-based capital ratio | 20.1175% | 1,723 |
| Memoranda: | ||
| Average total assets | $88,440,600 | 5,336 |
| Average earning assets | $85,396,000 | 5,165 |
| Average equity | $12,221,600 | 4,547 |
| Average total loans | $58,073,800 | 5,152 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 6,123 |
| Cost of funding earning assets | 1.1319% | 5,246 |
| Net interest margin | 3.5390% | 5,145 |
| Noninterest income to average assets | 0.1162% | 6,969 |
| Noninterest expense to average assets | 3.0125% | 3,697 |
| Loan and lease loss provision to assets | 0.1869% | 5,173 |
| Net operating income to assets | 0.1964% | 5,517 |
| Return on assets (ROA) | 0.2607% | 5,467 |
| Pretax return on assets | 0.4304% | 5,140 |
| Return on Equity (ROE) | 1.8647% | 5,656 |
| Retained earnings to average equity (ytd only) | 1.8647% | 5,026 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3583% | 1,695 |
| Assets per employee ($millions) | 4.9626% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 62.2484% | 4,475 |
| Net loans and leases to deposits | 74.1910% | 4,475 |
| Net loans and leases to core deposits | 84.8216% | 3,832 |
| Total domestic deposits to total assets | 83.9029% | 4,183 |
| Equity capital to assets | 12.7765% | 1,696 |
| Core capital (leverage) ratio | 13.2807% | 1,126 |
| Tier 1 risk-based capital ratio | 17.8479% | 2,058 |
| Total risk-based capital ratio | 18.8850% | 2,101 |
| Memoranda: | ||
| Average total assets | $84,889,500 | 5,506 |
| Average earning assets | $81,867,000 | 5,346 |
| Average equity | $11,869,750 | 4,714 |
| Average total loans | $56,220,750 | 5,300 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 6,123 |
| Cost of funding earning assets | 1.1596% | 5,346 |
| Net interest margin | 3.5473% | 5,060 |
| Noninterest income to average assets | 0.1174% | 7,017 |
| Noninterest expense to average assets | 2.9845% | 3,760 |
| Loan and lease loss provision to assets | 0.2422% | 4,495 |
| Net operating income to assets | 0.1828% | 5,624 |
| Return on assets (ROA) | 0.2642% | 5,467 |
| Pretax return on assets | 0.4379% | 5,100 |
| Return on Equity (ROE) | 1.8289% | 5,685 |
| Retained earnings to average equity (ytd only) | 1.8289% | 4,955 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3707% | 1,878 |
| Assets per employee ($millions) | 4.8319% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 5,763 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 65.6438% | 3,912 |
| Net loans and leases to deposits | 79.4780% | 3,697 |
| Net loans and leases to core deposits | 91.1650% | 3,099 |
| Total domestic deposits to total assets | 82.5936% | 4,743 |
| Equity capital to assets | 13.8283% | 1,233 |
| Core capital (leverage) ratio | 13.7493% | 988 |
| Tier 1 risk-based capital ratio | 18.3892% | 1,860 |
| Total risk-based capital ratio | 19.4207% | 1,883 |
| Memoranda: | ||
| Average total assets | $81,756,000 | 5,639 |
| Average earning assets | $78,821,330 | 5,477 |
| Average equity | $11,810,670 | 4,731 |
| Average total loans | $55,171,000 | 5,373 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6967% | 6,252 |
| Cost of funding earning assets | 1.1545% | 5,643 |
| Net interest margin | 3.5422% | 4,984 |
| Noninterest income to average assets | 0.0960% | 7,224 |
| Noninterest expense to average assets | 3.0020% | 3,674 |
| Loan and lease loss provision to assets | 0.2780% | 3,805 |
| Net operating income to assets | 0.1300% | 5,929 |
| Return on assets (ROA) | 0.2982% | 5,438 |
| Pretax return on assets | 0.4902% | 4,996 |
| Return on Equity (ROE) | 2.0167% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.0167% | 4,924 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5908% | 1,840 |
| Assets per employee ($millions) | 4.7844% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 5,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.0228% | 3,842 |
| Net loans and leases to deposits | 80.8233% | 3,491 |
| Net loans and leases to core deposits | 88.5333% | 3,561 |
| Total domestic deposits to total assets | 81.6879% | 5,201 |
| Equity capital to assets | 14.4933% | 1,005 |
| Core capital (leverage) ratio | 14.6557% | 813 |
| Tier 1 risk-based capital ratio | 18.9634% | 1,731 |
| Total risk-based capital ratio | 19.9697% | 1,754 |
| Memoranda: | ||
| Average total assets | $79,147,000 | 5,793 |
| Average earning assets | $76,223,500 | 5,630 |
| Average equity | $11,702,500 | 4,790 |
| Average total loans | $53,882,000 | 5,496 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 7,336 |
| Cost of funding earning assets | 1.4709% | 5,632 |
| Net interest margin | 3.0815% | 6,426 |
| Noninterest income to average assets | 0.1250% | 7,126 |
| Noninterest expense to average assets | 3.3478% | 2,844 |
| Loan and lease loss provision to assets | 0.4122% | 4,337 |
| Net operating income to assets | -0.4417% | 6,118 |
| Return on assets (ROA) | -0.3440% | 6,011 |
| Pretax return on assets | -0.5453% | 6,049 |
| Return on Equity (ROE) | -1.8048% | 5,823 |
| Retained earnings to average equity (ytd only) | -1.8048% | 5,463 |
| Net charge-offs to loans | -0.0025% | 7,699 |
| Credit loss provision to net charge-offs | -25,400.0000% | 7,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3270% | 812 |
| Assets per employee ($millions) | 4.5271% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 6,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.7318% | 3,542 |
| Net loans and leases to deposits | 81.0468% | 3,786 |
| Net loans and leases to core deposits | 105.6040% | 3,382 |
| Total domestic deposits to total assets | 84.8051% | 3,648 |
| Equity capital to assets | 15.0949% | 887 |
| Core capital (leverage) ratio | 13.6866% | 1,047 |
| Tier 1 risk-based capital ratio | 19.6100% | 1,543 |
| Total risk-based capital ratio | 20.5611% | 1,553 |
| Memoranda: | ||
| Average total assets | $61,621,800 | 6,286 |
| Average earning assets | $58,738,400 | 6,186 |
| Average equity | $11,746,200 | 4,804 |
| Average total loans | $39,304,800 | 6,147 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 7,625 |
| Cost of funding earning assets | 1.4781% | 5,922 |
| Net interest margin | 2.9053% | 6,848 |
| Noninterest income to average assets | 0.1246% | 7,264 |
| Noninterest expense to average assets | 3.4378% | 2,455 |
| Loan and lease loss provision to assets | 0.3899% | 3,976 |
| Net operating income to assets | -0.5908% | 6,520 |
| Return on assets (ROA) | -0.4476% | 6,379 |
| Pretax return on assets | -0.7176% | 6,498 |
| Return on Equity (ROE) | -2.1960% | 6,120 |
| Retained earnings to average equity (ytd only) | -2.1960% | 5,757 |
| Net charge-offs to loans | -0.0037% | 7,616 |
| Credit loss provision to net charge-offs | -16,900.0000% | 7,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.1047% | 600 |
| Assets per employee ($millions) | 5.0511% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 5,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 53.7356% | 6,414 |
| Net loans and leases to deposits | 63.0763% | 6,582 |
| Net loans and leases to core deposits | 76.9427% | 6,561 |
| Total domestic deposits to total assets | 85.1914% | 3,129 |
| Equity capital to assets | 14.5574% | 1,126 |
| Core capital (leverage) ratio | 18.0855% | 448 |
| Tier 1 risk-based capital ratio | 24.2147% | 979 |
| Total risk-based capital ratio | 25.1978% | 982 |
| Memoranda: | ||
| Average total assets | $57,787,250 | 6,476 |
| Average earning assets | $54,932,250 | 6,382 |
| Average equity | $11,778,500 | 4,848 |
| Average total loans | $35,767,750 | 6,364 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8220% | 7,190 |
| Cost of funding earning assets | 1.6425% | 5,545 |
| Net interest margin | 3.1795% | 5,982 |
| Noninterest income to average assets | 0.0998% | 7,480 |
| Noninterest expense to average assets | 3.8675% | 1,542 |
| Loan and lease loss provision to assets | 0.4231% | 3,428 |
| Net operating income to assets | -0.7384% | 6,786 |
| Return on assets (ROA) | -0.7384% | 6,788 |
| Pretax return on assets | -1.1854% | 6,931 |
| Return on Equity (ROE) | -3.1401% | 6,375 |
| Retained earnings to average equity (ytd only) | -3.1401% | 5,992 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5501% | 596 |
| Assets per employee ($millions) | 3.3755% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 5,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 66.5360% | 4,452 |
| Net loans and leases to deposits | 83.9530% | 3,885 |
| Net loans and leases to core deposits | 111.3279% | 3,222 |
| Total domestic deposits to total assets | 79.2538% | 5,731 |
| Equity capital to assets | 20.3959% | 354 |
| Core capital (leverage) ratio | 21.2211% | 307 |
| Tier 1 risk-based capital ratio | 26.6674% | 801 |
| Total risk-based capital ratio | 27.6039% | 801 |
| Memoranda: | ||
| Average total assets | $50,110,330 | 6,824 |
| Average earning assets | $47,366,670 | 6,735 |
| Average equity | $11,783,000 | 4,873 |
| Average total loans | $33,057,330 | 6,550 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 7,190 |
| Cost of funding earning assets | 1.6960% | 5,616 |
| Net interest margin | 3.1994% | 5,860 |
| Noninterest income to average assets | 0.0947% | 7,575 |
| Noninterest expense to average assets | 4.1744% | 972 |
| Loan and lease loss provision to assets | 0.4390% | 2,729 |
| Net operating income to assets | -0.9468% | 7,219 |
| Return on assets (ROA) | -0.9468% | 7,246 |
| Pretax return on assets | -1.5148% | 7,366 |
| Return on Equity (ROE) | -3.7217% | 6,860 |
| Retained earnings to average equity (ytd only) | -3.7217% | 6,387 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.7222% | 461 |
| Assets per employee ($millions) | 3.1315% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 5,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 64.6615% | 4,867 |
| Net loans and leases to deposits | 87.1242% | 3,444 |
| Net loans and leases to core deposits | 107.9178% | 3,694 |
| Total domestic deposits to total assets | 74.2176% | 6,848 |
| Equity capital to assets | 23.4971% | 264 |
| Core capital (leverage) ratio | 25.7492% | 214 |
| Tier 1 risk-based capital ratio | 29.5206% | 652 |
| Total risk-based capital ratio | 30.4117% | 657 |
| Memoranda: | ||
| Average total assets | $46,473,500 | 7,012 |
| Average earning assets | $43,632,500 | 6,951 |
| Average equity | $11,822,500 | 4,896 |
| Average total loans | $30,291,500 | 6,745 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 8,076 |
| Cost of funding earning assets | 1.3782% | 7,763 |
| Net interest margin | 2.8347% | 7,278 |
| Noninterest income to average assets | 0.0750% | 7,766 |
| Noninterest expense to average assets | 6.3582% | 351 |
| Loan and lease loss provision to assets | 0.9186% | 1,621 |
| Net operating income to assets | -2.8583% | 7,790 |
| Return on assets (ROA) | -3.0350% | 7,804 |
| Pretax return on assets | -4.8662% | 8,007 |
| Return on Equity (ROE) | -8.4500% | 7,155 |
| Retained earnings to average equity (ytd only) | -8.4500% | 6,920 |
| Net charge-offs to loans | 0.0238% | 6,514 |
| Credit loss provision to net charge-offs | 7,650.0000% | 74 |
| Earnings coverage of net charge-offs (x) | -305.7500% | 7,026 |
| Efficiency ratio | 236.6480% | 156 |
| Assets per employee ($millions) | 3.0602% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.2579% | 5,221 |
| Net loans and leases to deposits | 89.1487% | 3,611 |
| Net loans and leases to core deposits | 108.2452% | 3,939 |
| Total domestic deposits to total assets | 72.0795% | 6,981 |
| Equity capital to assets | 27.7105% | 203 |
| Core capital (leverage) ratio | 29.2957% | 193 |
| Tier 1 risk-based capital ratio | 33.6670% | 489 |
| Total risk-based capital ratio | 34.5283% | 493 |
| Memoranda: | ||
| Average total assets | $33,311,250 | 7,490 |
| Average earning assets | $30,691,250 | 7,481 |
| Average equity | $11,964,500 | 4,836 |
| Average total loans | $16,786,000 | 7,532 |