Home > Sunrise Bank > Performance and Condition Ratios
Sunrise 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 | 5.5073% | 1,148 |
| Cost of funding earning assets | 1.9857% | 933 |
| Net interest margin | 3.5216% | 2,139 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 2.4016% | 2,589 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9728% | 2,299 |
| Return on assets (ROA) | 0.9728% | 2,285 |
| Pretax return on assets | 0.9728% | 2,743 |
| Return on Equity (ROE) | 12.3500% | 1,879 |
| Retained earnings to average equity (ytd only) | 6.8618% | 1,930 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.1700% | 1,992 |
| Assets per employee ($millions) | 8.6767% | 1,123 |
| Cash dividends to net income (ytd only)* | 44.4589% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 1,975 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 79.1600% | 746 |
| Net loans and leases to deposits | 90.0534% | 1,258 |
| Net loans and leases to core deposits | 102.7449% | 1,294 |
| Total domestic deposits to total assets | 87.9000% | 1,390 |
| Equity capital to assets | 7.8229% | 3,525 |
| Core capital (leverage) ratio | 9.2592% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $474,015,400 | 1,789 |
| Average earning assets | $456,610,600 | 1,740 |
| Average equity | $37,322,800 | 1,966 |
| Average total loans | $373,739,800 | 1,541 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 1,102 |
| Cost of funding earning assets | 1.8374% | 945 |
| Net interest margin | 3.5827% | 2,048 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.4174% | 2,473 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0686% | 2,156 |
| Return on assets (ROA) | 1.0686% | 2,141 |
| Pretax return on assets | 1.0686% | 2,660 |
| Return on Equity (ROE) | 13.5500% | 1,780 |
| Retained earnings to average equity (ytd only) | 9.0423% | 1,672 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.1880% | 1,993 |
| Assets per employee ($millions) | 8.3423% | 1,192 |
| Cash dividends to net income (ytd only)* | 33.2624% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.5200% | 945 |
| Net loans and leases to deposits | 87.8683% | 1,401 |
| Net loans and leases to core deposits | 98.6586% | 1,404 |
| Total domestic deposits to total assets | 88.2200% | 1,500 |
| Equity capital to assets | 7.6353% | 3,275 |
| Core capital (leverage) ratio | 9.3124% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $468,876,250 | 1,797 |
| Average earning assets | $451,497,250 | 1,755 |
| Average equity | $36,981,000 | 1,964 |
| Average total loans | $368,055,500 | 1,550 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2956% | 1,086 |
| Cost of funding earning assets | 1.6277% | 1,000 |
| Net interest margin | 3.6679% | 1,883 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.3722% | 2,589 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.1756% | 1,892 |
| Return on assets (ROA) | 1.1756% | 1,889 |
| Pretax return on assets | 1.1756% | 2,430 |
| Return on Equity (ROE) | 14.7500% | 1,521 |
| Retained earnings to average equity (ytd only) | 8.0257% | 1,952 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.2251% | 2,346 |
| Assets per employee ($millions) | 8.4649% | 1,115 |
| Cash dividends to net income (ytd only)* | 45.5705% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,013 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 75.6800% | 1,089 |
| Net loans and leases to deposits | 85.6690% | 1,526 |
| Net loans and leases to core deposits | 95.5582% | 1,488 |
| Total domestic deposits to total assets | 88.3400% | 1,479 |
| Equity capital to assets | 7.6421% | 3,443 |
| Core capital (leverage) ratio | 9.3192% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $466,664,000 | 1,804 |
| Average earning assets | $449,580,000 | 1,758 |
| Average equity | $37,205,667 | 1,973 |
| Average total loans | $366,288,333 | 1,546 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 912 |
| Cost of funding earning assets | 1.3648% | 1,106 |
| Net interest margin | 3.8681% | 1,543 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.3569% | 2,647 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.2957% | 1,686 |
| Return on assets (ROA) | 1.2957% | 1,659 |
| Pretax return on assets | 1.2957% | 2,192 |
| Return on Equity (ROE) | 15.9000% | 1,379 |
| Retained earnings to average equity (ytd only) | 15.9050% | 699 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.4737% | 2,755 |
| Assets per employee ($millions) | 8.6994% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 2,152 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 77.9500% | 772 |
| Net loans and leases to deposits | 88.8235% | 1,146 |
| Net loans and leases to core deposits | 98.0172% | 1,173 |
| Total domestic deposits to total assets | 87.7600% | 1,999 |
| Equity capital to assets | 8.1683% | 3,128 |
| Core capital (leverage) ratio | 9.6273% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $458,746,500 | 1,855 |
| Average earning assets | $441,979,500 | 1,799 |
| Average equity | $37,372,000 | 1,988 |
| Average total loans | $364,482,000 | 1,564 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 1,060 |
| Cost of funding earning assets | 0.4825% | 1,510 |
| Net interest margin | 3.8146% | 1,132 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.1613% | 3,123 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 1.2650% | 1,547 |
| Return on assets (ROA) | 1.2650% | 1,496 |
| Pretax return on assets | 1.2650% | 2,221 |
| Return on Equity (ROE) | 15.0300% | 1,250 |
| Retained earnings to average equity (ytd only) | 15.0306% | 290 |
| Net charge-offs to loans | -0.0010% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.9070% | 3,478 |
| Assets per employee ($millions) | 7.8549% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,078 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 78.9600% | 700 |
| Net loans and leases to deposits | 87.8644% | 1,183 |
| Net loans and leases to core deposits | 96.2511% | 1,192 |
| Total domestic deposits to total assets | 89.8600% | 1,429 |
| Equity capital to assets | 8.1237% | 2,977 |
| Core capital (leverage) ratio | 9.4373% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $421,036,200 | 1,948 |
| Average earning assets | $407,877,000 | 1,888 |
| Average equity | $35,434,400 | 2,089 |
| Average total loans | $307,501,400 | 1,690 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 1,309 |
| Cost of funding earning assets | 0.2949% | 2,227 |
| Net interest margin | 3.6833% | 1,180 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 2.1279% | 3,140 |
| Loan and lease loss provision to assets | 0.4700% | 112 |
| Net operating income to assets | 1.0776% | 2,179 |
| Return on assets (ROA) | 1.0776% | 2,139 |
| Pretax return on assets | 1.0776% | 2,788 |
| Return on Equity (ROE) | 12.6900% | 1,806 |
| Retained earnings to average equity (ytd only) | 12.6853% | 666 |
| Net charge-offs to loans | -0.0014% | 3,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.9732% | 3,386 |
| Assets per employee ($millions) | 7.9692% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,284 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.6800% | 558 |
| Net loans and leases to deposits | 87.5053% | 1,066 |
| Net loans and leases to core deposits | 92.7873% | 1,151 |
| Total domestic deposits to total assets | 91.0600% | 1,216 |
| Equity capital to assets | 7.7346% | 3,064 |
| Core capital (leverage) ratio | 9.1884% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $414,363,500 | 1,983 |
| Average earning assets | $401,876,250 | 1,918 |
| Average equity | $35,200,000 | 2,135 |
| Average total loans | $294,867,750 | 1,738 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 1,690 |
| Cost of funding earning assets | 0.2378% | 2,417 |
| Net interest margin | 3.4100% | 1,571 |
| Noninterest income to average assets | 0.0979% | 4,491 |
| Noninterest expense to average assets | 2.1172% | 3,103 |
| Loan and lease loss provision to assets | 0.3297% | 191 |
| Net operating income to assets | 0.9533% | 2,349 |
| Return on assets (ROA) | 0.9533% | 2,322 |
| Pretax return on assets | 0.9533% | 2,889 |
| Return on Equity (ROE) | 10.8719% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.8719% | 799 |
| Net charge-offs to loans | -0.0022% | 3,147 |
| Credit loss provision to net charge-offs | -22,333.3333% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2666% | 3,012 |
| Assets per employee ($millions) | 8.2605% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.9169% | 1,210 |
| Net loans and leases to deposits | 78.0336% | 1,538 |
| Net loans and leases to core deposits | 82.4528% | 1,564 |
| Total domestic deposits to total assets | 90.8799% | 1,286 |
| Equity capital to assets | 7.9855% | 3,136 |
| Core capital (leverage) ratio | 9.1964% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $406,382,667 | 2,030 |
| Average earning assets | $393,544,667 | 1,966 |
| Average equity | $35,633,000 | 2,174 |
| Average total loans | $275,273,667 | 1,825 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 1,969 |
| Cost of funding earning assets | 0.2448% | 2,218 |
| Net interest margin | 3.1967% | 1,892 |
| Noninterest income to average assets | 0.0962% | 4,525 |
| Noninterest expense to average assets | 2.1594% | 2,947 |
| Loan and lease loss provision to assets | 0.2048% | 353 |
| Net operating income to assets | 0.8201% | 2,594 |
| Return on assets (ROA) | 0.8201% | 2,586 |
| Pretax return on assets | 0.8201% | 3,045 |
| Return on Equity (ROE) | 8.9077% | 2,349 |
| Retained earnings to average equity (ytd only) | 8.9077% | 1,291 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8135% | 2,530 |
| Assets per employee ($millions) | 8.1520% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,821 |
| Loan loss allowance to noncurrent loans | 681.6415% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 3,017 |
| Noncurrent loans to loans | 0.1771% | 2,933 |
| Net loans and leases to total assets | 63.3581% | 1,701 |
| Net loans and leases to deposits | 70.4236% | 1,927 |
| Net loans and leases to core deposits | 75.5636% | 1,805 |
| Total domestic deposits to total assets | 89.9671% | 1,586 |
| Equity capital to assets | 8.8761% | 2,815 |
| Core capital (leverage) ratio | 9.8355% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $390,672,000 | 2,092 |
| Average earning assets | $377,384,000 | 2,038 |
| Average equity | $35,969,000 | 2,215 |
| Average total loans | $255,857,500 | 1,908 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 2,620 |
| Cost of funding earning assets | 0.3083% | 2,316 |
| Net interest margin | 3.2056% | 2,586 |
| Noninterest income to average assets | 0.1811% | 4,249 |
| Noninterest expense to average assets | 2.2741% | 2,868 |
| Loan and lease loss provision to assets | 0.2494% | 373 |
| Net operating income to assets | 0.7613% | 3,454 |
| Return on assets (ROA) | 0.7613% | 3,522 |
| Pretax return on assets | 0.7613% | 3,813 |
| Return on Equity (ROE) | 8.3203% | 3,132 |
| Retained earnings to average equity (ytd only) | 8.3203% | 1,420 |
| Net charge-offs to loans | -0.0564% | 4,377 |
| Credit loss provision to net charge-offs | -708.3333% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 1,826 |
| Assets per employee ($millions) | 7.7864% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,972 |
| Loan loss allowance to noncurrent loans | 638.4449% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 3,066 |
| Noncurrent loans to loans | 0.1850% | 3,018 |
| Net loans and leases to total assets | 66.1831% | 1,449 |
| Net loans and leases to deposits | 74.7588% | 1,673 |
| Net loans and leases to core deposits | 80.5201% | 1,553 |
| Total domestic deposits to total assets | 88.5288% | 1,775 |
| Equity capital to assets | 9.5678% | 3,076 |
| Core capital (leverage) ratio | 9.4404% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,751,000 | 2,241 |
| Average earning assets | $329,918,800 | 2,188 |
| Average equity | $31,176,600 | 2,461 |
| Average total loans | $212,800,200 | 2,150 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4581% | 2,944 |
| Cost of funding earning assets | 0.3257% | 2,343 |
| Net interest margin | 3.1323% | 2,953 |
| Noninterest income to average assets | 0.1941% | 4,232 |
| Noninterest expense to average assets | 2.2512% | 2,890 |
| Loan and lease loss provision to assets | 0.2204% | 447 |
| Net operating income to assets | 0.7494% | 3,655 |
| Return on assets (ROA) | 0.7494% | 3,719 |
| Pretax return on assets | 0.7494% | 3,992 |
| Return on Equity (ROE) | 8.2979% | 3,313 |
| Retained earnings to average equity (ytd only) | 8.2979% | 1,953 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8867% | 1,614 |
| Assets per employee ($millions) | 8.4752% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,257 |
| Loan loss allowance to noncurrent loans | 572.4605% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 3,337 |
| Noncurrent loans to loans | 0.1990% | 3,153 |
| Net loans and leases to total assets | 57.6949% | 2,537 |
| Net loans and leases to deposits | 65.3863% | 2,690 |
| Net loans and leases to core deposits | 69.7603% | 2,620 |
| Total domestic deposits to total assets | 88.2370% | 1,701 |
| Equity capital to assets | 9.2744% | 3,591 |
| Core capital (leverage) ratio | 9.7342% | 2,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $332,502,500 | 2,301 |
| Average earning assets | $321,328,250 | 2,248 |
| Average equity | $30,031,000 | 2,562 |
| Average total loans | $203,422,250 | 2,248 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 2,865 |
| Cost of funding earning assets | 0.3527% | 2,297 |
| Net interest margin | 3.1574% | 2,880 |
| Noninterest income to average assets | 0.2068% | 4,167 |
| Noninterest expense to average assets | 2.3295% | 2,677 |
| Loan and lease loss provision to assets | 0.1897% | 591 |
| Net operating income to assets | 0.7337% | 3,674 |
| Return on assets (ROA) | 0.7337% | 3,744 |
| Pretax return on assets | 0.7337% | 3,999 |
| Return on Equity (ROE) | 8.2121% | 3,344 |
| Retained earnings to average equity (ytd only) | 8.2121% | 2,000 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6119% | 1,469 |
| Assets per employee ($millions) | 8.2036% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 3,320 |
| Loan loss allowance to noncurrent loans | 516.0271% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 3,415 |
| Noncurrent loans to loans | 0.2176% | 3,176 |
| Net loans and leases to total assets | 55.7704% | 2,930 |
| Net loans and leases to deposits | 62.2296% | 3,177 |
| Net loans and leases to core deposits | 66.0287% | 3,108 |
| Total domestic deposits to total assets | 89.6204% | 967 |
| Equity capital to assets | 7.8184% | 4,622 |
| Core capital (leverage) ratio | 8.5481% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,209,333 | 2,381 |
| Average earning assets | $305,060,000 | 2,321 |
| Average equity | $28,251,000 | 2,652 |
| Average total loans | $197,038,333 | 2,297 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 2,080 |
| Cost of funding earning assets | 0.3974% | 2,120 |
| Net interest margin | 3.4108% | 2,081 |
| Noninterest income to average assets | 0.1634% | 4,381 |
| Noninterest expense to average assets | 2.4231% | 2,423 |
| Loan and lease loss provision to assets | 0.2042% | 591 |
| Net operating income to assets | 0.8195% | 3,355 |
| Return on assets (ROA) | 0.8195% | 3,429 |
| Pretax return on assets | 0.8195% | 3,776 |
| Return on Equity (ROE) | 8.5191% | 3,180 |
| Retained earnings to average equity (ytd only) | 8.5191% | 2,092 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3002% | 1,664 |
| Assets per employee ($millions) | 6.6766% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,504 |
| Loan loss allowance to noncurrent loans | 482.1670% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 3,471 |
| Noncurrent loans to loans | 0.2253% | 3,295 |
| Net loans and leases to total assets | 61.9916% | 2,288 |
| Net loans and leases to deposits | 70.4621% | 2,464 |
| Net loans and leases to core deposits | 76.6862% | 2,292 |
| Total domestic deposits to total assets | 87.9786% | 1,856 |
| Equity capital to assets | 9.0074% | 3,677 |
| Core capital (leverage) ratio | 9.5986% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,835,500 | 2,465 |
| Average earning assets | $282,868,500 | 2,425 |
| Average equity | $28,266,000 | 2,651 |
| Average total loans | $193,761,000 | 2,325 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 1,965 |
| Cost of funding earning assets | 0.7490% | 1,456 |
| Net interest margin | 3.5177% | 2,416 |
| Noninterest income to average assets | 0.1806% | 4,383 |
| Noninterest expense to average assets | 2.8084% | 1,920 |
| Loan and lease loss provision to assets | 0.1791% | 2,151 |
| Net operating income to assets | 0.5696% | 3,847 |
| Return on assets (ROA) | 0.5696% | 3,951 |
| Pretax return on assets | 0.5696% | 4,148 |
| Return on Equity (ROE) | 5.2156% | 3,843 |
| Retained earnings to average equity (ytd only) | 5.2156% | 2,179 |
| Net charge-offs to loans | 0.0105% | 2,947 |
| Credit loss provision to net charge-offs | 2,473.6842% | 377 |
| Earnings coverage of net charge-offs (x) | 103.4211% | 768 |
| Efficiency ratio | 78.9524% | 965 |
| Assets per employee ($millions) | 6.5208% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 3,719 |
| Loan loss allowance to noncurrent loans | 448.3070% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 3,464 |
| Noncurrent loans to loans | 0.2321% | 3,366 |
| Net loans and leases to total assets | 68.9632% | 1,696 |
| Net loans and leases to deposits | 79.9681% | 1,867 |
| Net loans and leases to core deposits | 88.1475% | 1,676 |
| Total domestic deposits to total assets | 86.2385% | 2,256 |
| Equity capital to assets | 10.3212% | 2,813 |
| Core capital (leverage) ratio | 9.9357% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,465,400 | 2,504 |
| Average earning assets | $251,923,800 | 2,462 |
| Average equity | $28,663,800 | 2,555 |
| Average total loans | $181,209,800 | 2,403 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 2,231 |
| Cost of funding earning assets | 0.8307% | 1,356 |
| Net interest margin | 3.4258% | 2,829 |
| Noninterest income to average assets | 0.1839% | 4,375 |
| Noninterest expense to average assets | 2.5170% | 2,785 |
| Loan and lease loss provision to assets | 0.1645% | 2,356 |
| Net operating income to assets | 0.7873% | 3,142 |
| Return on assets (ROA) | 0.7873% | 3,257 |
| Pretax return on assets | 0.7873% | 3,680 |
| Return on Equity (ROE) | 7.1062% | 3,150 |
| Retained earnings to average equity (ytd only) | 7.1062% | 1,643 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5644% | 1,569 |
| Assets per employee ($millions) | 6.8280% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 3,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.9611% | 1,955 |
| Net loans and leases to deposits | 82.2119% | 2,074 |
| Net loans and leases to core deposits | 89.8653% | 1,988 |
| Total domestic deposits to total assets | 85.0984% | 2,400 |
| Equity capital to assets | 10.9209% | 2,453 |
| Core capital (leverage) ratio | 10.9398% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,613,750 | 2,504 |
| Average earning assets | $248,928,250 | 2,461 |
| Average equity | $28,763,000 | 2,545 |
| Average total loans | $178,798,000 | 2,420 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 2,340 |
| Cost of funding earning assets | 0.9363% | 1,209 |
| Net interest margin | 3.4131% | 3,060 |
| Noninterest income to average assets | 0.1905% | 4,323 |
| Noninterest expense to average assets | 2.6192% | 2,600 |
| Loan and lease loss provision to assets | 0.1333% | 2,674 |
| Net operating income to assets | 0.7103% | 3,363 |
| Return on assets (ROA) | 0.7103% | 3,472 |
| Pretax return on assets | 0.7103% | 3,848 |
| Return on Equity (ROE) | 6.3784% | 3,374 |
| Retained earnings to average equity (ytd only) | 6.3784% | 1,911 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6396% | 1,297 |
| Assets per employee ($millions) | 6.4901% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 3,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.5907% | 2,248 |
| Net loans and leases to deposits | 80.7308% | 2,347 |
| Net loans and leases to core deposits | 87.8081% | 2,263 |
| Total domestic deposits to total assets | 84.9622% | 2,415 |
| Equity capital to assets | 11.0133% | 2,331 |
| Core capital (leverage) ratio | 10.9792% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,112,000 | 2,513 |
| Average earning assets | $244,586,333 | 2,457 |
| Average equity | $28,408,333 | 2,558 |
| Average total loans | $174,086,667 | 2,438 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 2,244 |
| Cost of funding earning assets | 1.0632% | 1,171 |
| Net interest margin | 3.4608% | 3,120 |
| Noninterest income to average assets | 0.1923% | 4,400 |
| Noninterest expense to average assets | 2.6969% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8285% | 2,804 |
| Return on assets (ROA) | 0.8285% | 2,889 |
| Pretax return on assets | 0.8285% | 3,339 |
| Return on Equity (ROE) | 7.3964% | 2,778 |
| Retained earnings to average equity (ytd only) | 7.3964% | 1,410 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5000% | 1,511 |
| Assets per employee ($millions) | 5.7260% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 4,061 |
| Loan loss allowance to noncurrent loans | 644.9580% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,139 |
| Noncurrent loans to loans | 0.1418% | 3,955 |
| Net loans and leases to total assets | 67.5521% | 2,607 |
| Net loans and leases to deposits | 80.2710% | 2,650 |
| Net loans and leases to core deposits | 88.9524% | 2,450 |
| Total domestic deposits to total assets | 84.1550% | 2,733 |
| Equity capital to assets | 11.5366% | 2,407 |
| Core capital (leverage) ratio | 11.2254% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,620,000 | 2,496 |
| Average earning assets | $240,409,000 | 2,444 |
| Average equity | $27,959,500 | 2,578 |
| Average total loans | $169,019,000 | 2,462 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 1,154 |
| Cost of funding earning assets | 1.0720% | 1,429 |
| Net interest margin | 4.0569% | 1,658 |
| Noninterest income to average assets | 0.1387% | 4,781 |
| Noninterest expense to average assets | 2.7357% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3197% | 1,617 |
| Return on assets (ROA) | 1.3197% | 1,698 |
| Pretax return on assets | 1.3197% | 2,443 |
| Return on Equity (ROE) | 11.6696% | 1,632 |
| Retained earnings to average equity (ytd only) | 11.6696% | 270 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4587% | 2,536 |
| Assets per employee ($millions) | 5.7505% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 3,950 |
| Loan loss allowance to noncurrent loans | 644.9580% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 4,154 |
| Noncurrent loans to loans | 0.1399% | 3,968 |
| Net loans and leases to total assets | 66.6514% | 2,881 |
| Net loans and leases to deposits | 79.2377% | 2,876 |
| Net loans and leases to core deposits | 90.1907% | 2,406 |
| Total domestic deposits to total assets | 84.1157% | 2,815 |
| Equity capital to assets | 10.8741% | 3,115 |
| Core capital (leverage) ratio | 11.3704% | 2,203 |
| Tier 1 risk-based capital ratio | 15.2888% | 2,660 |
| Total risk-based capital ratio | 16.1403% | 2,761 |
| Memoranda: | ||
| Average total assets | $231,422,200 | 2,567 |
| Average earning assets | $223,422,200 | 2,508 |
| Average equity | $26,170,600 | 2,621 |
| Average total loans | $163,164,600 | 2,474 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 891 |
| Cost of funding earning assets | 1.0495% | 1,538 |
| Net interest margin | 4.2366% | 1,290 |
| Noninterest income to average assets | 0.1522% | 4,788 |
| Noninterest expense to average assets | 2.8716% | 2,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3668% | 1,585 |
| Return on assets (ROA) | 1.3668% | 1,650 |
| Pretax return on assets | 1.3668% | 2,432 |
| Return on Equity (ROE) | 11.9578% | 1,638 |
| Retained earnings to average equity (ytd only) | 11.9578% | 389 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7523% | 2,464 |
| Assets per employee ($millions) | 5.4303% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 3,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.5527% | 2,696 |
| Net loans and leases to deposits | 82.1801% | 2,664 |
| Net loans and leases to core deposits | 92.9133% | 2,276 |
| Total domestic deposits to total assets | 83.4177% | 3,018 |
| Equity capital to assets | 11.5005% | 2,655 |
| Core capital (leverage) ratio | 11.5543% | 2,180 |
| Tier 1 risk-based capital ratio | 15.4625% | 2,651 |
| Total risk-based capital ratio | 16.3472% | 2,735 |
| Memoranda: | ||
| Average total assets | $226,021,750 | 2,632 |
| Average earning assets | $217,999,500 | 2,571 |
| Average equity | $25,834,750 | 2,655 |
| Average total loans | $161,411,000 | 2,523 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 797 |
| Cost of funding earning assets | 0.9957% | 1,718 |
| Net interest margin | 4.3169% | 1,104 |
| Noninterest income to average assets | 0.1369% | 4,886 |
| Noninterest expense to average assets | 2.9222% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3770% | 1,489 |
| Return on assets (ROA) | 1.3770% | 1,550 |
| Pretax return on assets | 1.3770% | 2,275 |
| Return on Equity (ROE) | 12.0730% | 1,547 |
| Retained earnings to average equity (ytd only) | 12.0730% | 398 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9709% | 2,535 |
| Assets per employee ($millions) | 5.0192% | 2,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 3,996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.9950% | 2,060 |
| Net loans and leases to deposits | 86.6449% | 2,181 |
| Net loans and leases to core deposits | 96.5818% | 2,009 |
| Total domestic deposits to total assets | 84.2461% | 2,767 |
| Equity capital to assets | 11.4650% | 2,628 |
| Core capital (leverage) ratio | 11.3742% | 2,270 |
| Tier 1 risk-based capital ratio | 14.3917% | 3,120 |
| Total risk-based capital ratio | 15.2398% | 3,238 |
| Memoranda: | ||
| Average total assets | $223,528,330 | 2,661 |
| Average earning assets | $215,527,000 | 2,595 |
| Average equity | $25,495,000 | 2,676 |
| Average total loans | $161,345,670 | 2,523 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 914 |
| Cost of funding earning assets | 0.9482% | 1,804 |
| Net interest margin | 4.2520% | 1,191 |
| Noninterest income to average assets | 0.1637% | 4,759 |
| Noninterest expense to average assets | 2.9214% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3402% | 1,560 |
| Return on assets (ROA) | 1.3402% | 1,598 |
| Pretax return on assets | 1.3402% | 2,289 |
| Return on Equity (ROE) | 11.7810% | 1,618 |
| Retained earnings to average equity (ytd only) | 11.7810% | 656 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5521% | 2,557 |
| Assets per employee ($millions) | 5.1969% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 3,987 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.1267% | 2,136 |
| Net loans and leases to deposits | 85.1210% | 2,239 |
| Net loans and leases to core deposits | 92.8788% | 2,221 |
| Total domestic deposits to total assets | 84.7343% | 2,775 |
| Equity capital to assets | 11.0065% | 2,845 |
| Core capital (leverage) ratio | 11.2328% | 2,360 |
| Tier 1 risk-based capital ratio | 14.6427% | 3,039 |
| Total risk-based capital ratio | 15.5327% | 3,129 |
| Memoranda: | ||
| Average total assets | $222,361,500 | 2,705 |
| Average earning assets | $214,300,000 | 2,631 |
| Average equity | $25,295,000 | 2,689 |
| Average total loans | $158,817,000 | 2,572 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9443% | 1,172 |
| Cost of funding earning assets | 0.7154% | 1,993 |
| Net interest margin | 4.2290% | 1,329 |
| Noninterest income to average assets | 0.3484% | 3,781 |
| Noninterest expense to average assets | 3.0959% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3301% | 1,684 |
| Return on assets (ROA) | 1.3301% | 1,675 |
| Pretax return on assets | 1.3218% | 2,427 |
| Return on Equity (ROE) | 10.5130% | 2,277 |
| Retained earnings to average equity (ytd only) | 10.5130% | 520 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0800% | 2,170 |
| Assets per employee ($millions) | 5.1455% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 69.3245% | 2,688 |
| Net loans and leases to deposits | 82.5684% | 2,668 |
| Net loans and leases to core deposits | 90.4269% | 2,538 |
| Total domestic deposits to total assets | 83.9601% | 3,011 |
| Equity capital to assets | 11.7484% | 2,066 |
| Core capital (leverage) ratio | 12.6686% | 1,389 |
| Tier 1 risk-based capital ratio | 16.2080% | 2,343 |
| Total risk-based capital ratio | 17.1207% | 2,391 |
| Memoranda: | ||
| Average total assets | $203,817,800 | 2,822 |
| Average earning assets | $196,123,600 | 2,750 |
| Average equity | $25,787,200 | 2,582 |
| Average total loans | $144,981,000 | 2,707 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 1,191 |
| Cost of funding earning assets | 0.6546% | 2,125 |
| Net interest margin | 4.2332% | 1,279 |
| Noninterest income to average assets | 0.2487% | 4,489 |
| Noninterest expense to average assets | 3.1357% | 1,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1965% | 2,254 |
| Return on assets (ROA) | 1.1965% | 2,260 |
| Pretax return on assets | 1.1852% | 3,045 |
| Return on Equity (ROE) | 9.2736% | 2,969 |
| Retained earnings to average equity (ytd only) | 9.2736% | 1,126 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5712% | 1,799 |
| Assets per employee ($millions) | 4.7840% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,373 |
| Loan loss allowance to noncurrent loans | 542.4028% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1376% | 4,257 |
| Noncurrent loans to loans | 0.1967% | 4,004 |
| Net loans and leases to total assets | 69.1802% | 2,776 |
| Net loans and leases to deposits | 83.3970% | 2,666 |
| Net loans and leases to core deposits | 90.3115% | 2,632 |
| Total domestic deposits to total assets | 82.9529% | 3,322 |
| Equity capital to assets | 12.2949% | 1,701 |
| Core capital (leverage) ratio | 12.9258% | 1,313 |
| Tier 1 risk-based capital ratio | 17.0875% | 2,072 |
| Total risk-based capital ratio | 18.0575% | 2,115 |
| Memoranda: | ||
| Average total assets | $199,458,500 | 2,892 |
| Average earning assets | $191,876,250 | 2,823 |
| Average equity | $25,735,500 | 2,597 |
| Average total loans | $142,496,500 | 2,752 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8036% | 1,240 |
| Cost of funding earning assets | 0.5964% | 2,251 |
| Net interest margin | 4.2073% | 1,275 |
| Noninterest income to average assets | 0.2655% | 4,412 |
| Noninterest expense to average assets | 3.1848% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1268% | 2,493 |
| Return on assets (ROA) | 1.1268% | 2,497 |
| Pretax return on assets | 1.1268% | 3,203 |
| Return on Equity (ROE) | 8.5924% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.5924% | 1,358 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8660% | 1,726 |
| Assets per employee ($millions) | 4.7847% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,421 |
| Loan loss allowance to noncurrent loans | 531.1419% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 4,284 |
| Noncurrent loans to loans | 0.2018% | 3,998 |
| Net loans and leases to total assets | 68.8440% | 2,748 |
| Net loans and leases to deposits | 82.7164% | 2,690 |
| Net loans and leases to core deposits | 93.2339% | 2,288 |
| Total domestic deposits to total assets | 83.2290% | 3,345 |
| Equity capital to assets | 12.0753% | 1,808 |
| Core capital (leverage) ratio | 12.8006% | 1,312 |
| Tier 1 risk-based capital ratio | 16.5448% | 2,248 |
| Total risk-based capital ratio | 17.5083% | 2,286 |
| Memoranda: | ||
| Average total assets | $197,374,000 | 2,928 |
| Average earning assets | $189,814,330 | 2,856 |
| Average equity | $25,883,330 | 2,602 |
| Average total loans | $142,046,330 | 2,772 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 1,294 |
| Cost of funding earning assets | 0.5604% | 2,314 |
| Net interest margin | 4.1450% | 1,314 |
| Noninterest income to average assets | 0.2153% | 4,721 |
| Noninterest expense to average assets | 3.2424% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9545% | 3,055 |
| Return on assets (ROA) | 0.9545% | 3,072 |
| Pretax return on assets | 0.9545% | 3,691 |
| Return on Equity (ROE) | 6.9841% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.9841% | 2,284 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2570% | 1,427 |
| Assets per employee ($millions) | 4.4770% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,523 |
| Loan loss allowance to noncurrent loans | 515.1007% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,325 |
| Noncurrent loans to loans | 0.2088% | 4,035 |
| Net loans and leases to total assets | 71.6574% | 2,230 |
| Net loans and leases to deposits | 87.6102% | 1,980 |
| Net loans and leases to core deposits | 102.2974% | 1,503 |
| Total domestic deposits to total assets | 81.7911% | 4,020 |
| Equity capital to assets | 13.3867% | 1,078 |
| Core capital (leverage) ratio | 14.2014% | 833 |
| Tier 1 risk-based capital ratio | 17.4713% | 1,984 |
| Total risk-based capital ratio | 18.4391% | 2,017 |
| Memoranda: | ||
| Average total assets | $193,190,000 | 3,002 |
| Average earning assets | $185,572,000 | 2,935 |
| Average equity | $26,403,000 | 2,585 |
| Average total loans | $141,481,500 | 2,795 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4748% | 1,800 |
| Cost of funding earning assets | 0.4798% | 2,502 |
| Net interest margin | 3.9950% | 1,767 |
| Noninterest income to average assets | 0.2500% | 4,636 |
| Noninterest expense to average assets | 3.1605% | 1,697 |
| Loan and lease loss provision to assets | 0.0218% | 3,864 |
| Net operating income to assets | 0.6976% | 3,614 |
| Return on assets (ROA) | 0.6976% | 3,664 |
| Pretax return on assets | 0.8855% | 3,962 |
| Return on Equity (ROE) | 4.3737% | 4,387 |
| Retained earnings to average equity (ytd only) | -5.6599% | 5,458 |
| Net charge-offs to loans | -0.2356% | 5,539 |
| Credit loss provision to net charge-offs | -13.1944% | 4,592 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6946% | 1,396 |
| Assets per employee ($millions) | 4.3044% | 3,477 |
| Cash dividends to net income (ytd only)* | 229.4069% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 3,387 |
| Loan loss allowance to noncurrent loans | 500.0000% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 4,334 |
| Noncurrent loans to loans | 0.2189% | 4,032 |
| Net loans and leases to total assets | 73.2536% | 2,055 |
| Net loans and leases to deposits | 90.3890% | 1,726 |
| Net loans and leases to core deposits | 103.2969% | 1,464 |
| Total domestic deposits to total assets | 81.0427% | 4,111 |
| Equity capital to assets | 13.9582% | 925 |
| Core capital (leverage) ratio | 14.3001% | 771 |
| Tier 1 risk-based capital ratio | 18.0202% | 1,803 |
| Total risk-based capital ratio | 19.0354% | 1,811 |
| Memoranda: | ||
| Average total assets | $174,022,800 | 3,196 |
| Average earning assets | $166,309,800 | 3,124 |
| Average equity | $27,756,800 | 2,499 |
| Average total loans | $122,258,800 | 3,023 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 2,161 |
| Cost of funding earning assets | 0.4637% | 2,582 |
| Net interest margin | 3.8698% | 2,144 |
| Noninterest income to average assets | 0.2679% | 4,593 |
| Noninterest expense to average assets | 3.1911% | 1,578 |
| Loan and lease loss provision to assets | 0.0298% | 3,524 |
| Net operating income to assets | 0.4850% | 4,773 |
| Return on assets (ROA) | 0.4850% | 4,813 |
| Pretax return on assets | 0.7412% | 4,509 |
| Return on Equity (ROE) | 2.9384% | 5,124 |
| Retained earnings to average equity (ytd only) | -5.7012% | 5,557 |
| Net charge-offs to loans | 0.0136% | 3,253 |
| Credit loss provision to net charge-offs | 316.6667% | 945 |
| Earnings coverage of net charge-offs (x) | 81.9981% | 795 |
| Efficiency ratio | 80.5418% | 1,044 |
| Assets per employee ($millions) | 4.2864% | 3,496 |
| Cash dividends to net income (ytd only)* | 294.0241% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,531 |
| Loan loss allowance to noncurrent loans | 74.4424% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 1,899 |
| Noncurrent loans to loans | 1.2209% | 1,557 |
| Net loans and leases to total assets | 73.0501% | 2,088 |
| Net loans and leases to deposits | 91.3621% | 1,643 |
| Net loans and leases to core deposits | 102.5945% | 1,500 |
| Total domestic deposits to total assets | 79.9567% | 4,323 |
| Equity capital to assets | 14.7329% | 803 |
| Core capital (leverage) ratio | 15.6714% | 544 |
| Tier 1 risk-based capital ratio | 19.0571% | 1,568 |
| Total risk-based capital ratio | 19.9093% | 1,639 |
| Memoranda: | ||
| Average total assets | $170,180,000 | 3,273 |
| Average earning assets | $162,448,500 | 3,198 |
| Average equity | $28,087,000 | 2,501 |
| Average total loans | $117,755,250 | 3,114 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2415% | 2,320 |
| Cost of funding earning assets | 0.4541% | 2,567 |
| Net interest margin | 3.7874% | 2,332 |
| Noninterest income to average assets | 0.3094% | 4,328 |
| Noninterest expense to average assets | 3.2345% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2889% | 5,250 |
| Return on assets (ROA) | 0.2889% | 5,262 |
| Pretax return on assets | 0.6841% | 4,598 |
| Return on Equity (ROE) | 1.6832% | 5,388 |
| Retained earnings to average equity (ytd only) | 1.6832% | 4,586 |
| Net charge-offs to loans | 0.0215% | 2,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 47.1667% | 1,127 |
| Efficiency ratio | 82.5416% | 953 |
| Assets per employee ($millions) | 4.1875% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 4,172 |
| Loan loss allowance to noncurrent loans | 70.8284% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 1,736 |
| Noncurrent loans to loans | 1.4065% | 1,363 |
| Net loans and leases to total assets | 71.0199% | 2,372 |
| Net loans and leases to deposits | 92.0052% | 1,494 |
| Net loans and leases to core deposits | 105.9108% | 1,238 |
| Total domestic deposits to total assets | 77.1912% | 4,930 |
| Equity capital to assets | 17.1044% | 395 |
| Core capital (leverage) ratio | 17.3128% | 342 |
| Tier 1 risk-based capital ratio | 22.9801% | 957 |
| Total risk-based capital ratio | 23.9267% | 960 |
| Memoranda: | ||
| Average total assets | $165,468,000 | 3,335 |
| Average earning assets | $157,678,670 | 3,274 |
| Average equity | $28,397,670 | 2,480 |
| Average total loans | $111,714,330 | 3,197 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 2,380 |
| Cost of funding earning assets | 0.4777% | 2,267 |
| Net interest margin | 3.6939% | 2,501 |
| Noninterest income to average assets | 0.5084% | 2,918 |
| Noninterest expense to average assets | 3.1255% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1070% | 5,505 |
| Return on assets (ROA) | 0.1070% | 5,511 |
| Pretax return on assets | 0.9000% | 3,770 |
| Return on Equity (ROE) | 0.6225% | 5,548 |
| Retained earnings to average equity (ytd only) | 0.6225% | 4,770 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6435% | 1,681 |
| Assets per employee ($millions) | 4.4444% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1430% | 3,457 |
| Loan loss allowance to noncurrent loans | 69.3632% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 1,698 |
| Noncurrent loans to loans | 1.6479% | 1,176 |
| Net loans and leases to total assets | 63.5869% | 3,321 |
| Net loans and leases to deposits | 82.4707% | 2,450 |
| Net loans and leases to core deposits | 92.6033% | 2,109 |
| Total domestic deposits to total assets | 77.1024% | 5,101 |
| Equity capital to assets | 17.1812% | 369 |
| Core capital (leverage) ratio | 17.4362% | 329 |
| Tier 1 risk-based capital ratio | 24.5657% | 815 |
| Total risk-based capital ratio | 25.5947% | 815 |
| Memoranda: | ||
| Average total assets | $164,451,500 | 3,375 |
| Average earning assets | $156,583,500 | 3,319 |
| Average equity | $28,271,500 | 2,491 |
| Average total loans | $107,493,500 | 3,284 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 2,608 |
| Cost of funding earning assets | 0.5017% | 2,078 |
| Net interest margin | 3.6637% | 2,847 |
| Noninterest income to average assets | 0.1192% | 5,585 |
| Noninterest expense to average assets | 3.1755% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2774% | 5,267 |
| Return on assets (ROA) | 0.2774% | 5,337 |
| Pretax return on assets | 0.4249% | 5,170 |
| Return on Equity (ROE) | 1.7483% | 5,447 |
| Retained earnings to average equity (ytd only) | 1.7483% | 4,529 |
| Net charge-offs to loans | 0.3035% | 906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.1033% | 3,882 |
| Efficiency ratio | 88.1990% | 660 |
| Assets per employee ($millions) | 5.4821% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,669 |
| Loan loss allowance to noncurrent loans | 349.4220% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2104% | 4,471 |
| Noncurrent loans to loans | 0.3168% | 4,011 |
| Net loans and leases to total assets | 65.6723% | 3,117 |
| Net loans and leases to deposits | 85.1017% | 2,297 |
| Net loans and leases to core deposits | 93.6317% | 2,141 |
| Total domestic deposits to total assets | 77.1692% | 5,096 |
| Equity capital to assets | 17.2015% | 366 |
| Core capital (leverage) ratio | 18.0872% | 278 |
| Tier 1 risk-based capital ratio | 24.3422% | 834 |
| Total risk-based capital ratio | 25.3634% | 831 |
| Memoranda: | ||
| Average total assets | $148,513,000 | 3,547 |
| Average earning assets | $141,115,000 | 3,483 |
| Average equity | $23,566,400 | 2,839 |
| Average total loans | $98,842,200 | 3,409 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1776% | 2,583 |
| Cost of funding earning assets | 0.5079% | 2,038 |
| Net interest margin | 3.6697% | 2,828 |
| Noninterest income to average assets | 0.0932% | 5,734 |
| Noninterest expense to average assets | 3.0148% | 2,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3524% | 5,161 |
| Return on assets (ROA) | 0.3524% | 5,240 |
| Pretax return on assets | 0.5646% | 4,965 |
| Return on Equity (ROE) | 2.2752% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.2752% | 4,559 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2268% | 981 |
| Assets per employee ($millions) | 5.1417% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,988 |
| Loan loss allowance to noncurrent loans | 425.0704% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 4,524 |
| Noncurrent loans to loans | 0.3405% | 4,035 |
| Net loans and leases to total assets | 66.6148% | 3,023 |
| Net loans and leases to deposits | 84.3193% | 2,451 |
| Net loans and leases to core deposits | 95.0537% | 2,097 |
| Total domestic deposits to total assets | 79.0031% | 4,723 |
| Equity capital to assets | 18.6923% | 287 |
| Core capital (leverage) ratio | 18.5872% | 254 |
| Tier 1 risk-based capital ratio | 25.2336% | 789 |
| Total risk-based capital ratio | 26.4851% | 771 |
| Memoranda: | ||
| Average total assets | $144,525,750 | 3,612 |
| Average earning assets | $137,300,250 | 3,551 |
| Average equity | $22,385,500 | 2,976 |
| Average total loans | $96,249,000 | 3,470 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 2,675 |
| Cost of funding earning assets | 0.5085% | 2,037 |
| Net interest margin | 3.6415% | 2,932 |
| Noninterest income to average assets | 0.1161% | 5,719 |
| Noninterest expense to average assets | 2.9940% | 2,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3610% | 5,150 |
| Return on assets (ROA) | 0.3610% | 5,242 |
| Pretax return on assets | 0.5790% | 4,947 |
| Return on Equity (ROE) | 2.5202% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.5202% | 4,279 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7956% | 1,066 |
| Assets per employee ($millions) | 5.2459% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,652 |
| Loan loss allowance to noncurrent loans | 412.2951% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 4,560 |
| Noncurrent loans to loans | 0.3779% | 4,009 |
| Net loans and leases to total assets | 60.5853% | 3,807 |
| Net loans and leases to deposits | 76.1353% | 3,368 |
| Net loans and leases to core deposits | 88.4810% | 2,680 |
| Total domestic deposits to total assets | 79.5759% | 4,653 |
| Equity capital to assets | 18.2217% | 321 |
| Core capital (leverage) ratio | 18.7592% | 243 |
| Tier 1 risk-based capital ratio | 28.5450% | 561 |
| Total risk-based capital ratio | 29.7986% | 551 |
| Memoranda: | ||
| Average total assets | $141,284,000 | 3,688 |
| Average earning assets | $134,121,330 | 3,626 |
| Average equity | $20,236,330 | 3,171 |
| Average total loans | $93,577,670 | 3,534 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,364 |
| Cost of funding earning assets | 0.4941% | 2,150 |
| Net interest margin | 3.7372% | 2,531 |
| Noninterest income to average assets | 0.1321% | 5,685 |
| Noninterest expense to average assets | 3.0442% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3933% | 5,014 |
| Return on assets (ROA) | 0.3933% | 5,090 |
| Pretax return on assets | 0.6305% | 4,729 |
| Return on Equity (ROE) | 3.2717% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.2717% | 3,857 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8431% | 1,274 |
| Assets per employee ($millions) | 5.0663% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,622 |
| Loan loss allowance to noncurrent loans | 400.2653% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 4,535 |
| Noncurrent loans to loans | 0.3984% | 4,005 |
| Net loans and leases to total assets | 63.3881% | 3,330 |
| Net loans and leases to deposits | 74.5155% | 3,374 |
| Net loans and leases to core deposits | 86.4293% | 2,711 |
| Total domestic deposits to total assets | 85.0669% | 3,104 |
| Equity capital to assets | 12.5379% | 1,658 |
| Core capital (leverage) ratio | 13.9222% | 832 |
| Tier 1 risk-based capital ratio | 18.5497% | 1,841 |
| Total risk-based capital ratio | 19.8034% | 1,799 |
| Memoranda: | ||
| Average total assets | $133,237,000 | 3,854 |
| Average earning assets | $126,297,500 | 3,781 |
| Average equity | $16,016,000 | 3,734 |
| Average total loans | $91,938,000 | 3,578 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 1,774 |
| Cost of funding earning assets | 0.4189% | 2,953 |
| Net interest margin | 4.0205% | 1,653 |
| Noninterest income to average assets | 0.2553% | 5,067 |
| Noninterest expense to average assets | 2.7606% | 3,381 |
| Loan and lease loss provision to assets | -0.3416% | 6,085 |
| Net operating income to assets | 0.9862% | 2,442 |
| Return on assets (ROA) | 0.9982% | 2,471 |
| Pretax return on assets | 1.6002% | 1,249 |
| Return on Equity (ROE) | 8.8964% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.8964% | 675 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0075% | 3,398 |
| Assets per employee ($millions) | 4.7821% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6910% | 1,375 |
| Loan loss allowance to noncurrent loans | 390.9326% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 4,294 |
| Noncurrent loans to loans | 0.4326% | 3,913 |
| Net loans and leases to total assets | 73.3798% | 1,830 |
| Net loans and leases to deposits | 83.8073% | 2,387 |
| Net loans and leases to core deposits | 99.2376% | 1,576 |
| Total domestic deposits to total assets | 87.5577% | 1,864 |
| Equity capital to assets | 11.3850% | 2,458 |
| Core capital (leverage) ratio | 11.4898% | 1,966 |
| Tier 1 risk-based capital ratio | 14.8577% | 3,237 |
| Total risk-based capital ratio | 16.1125% | 3,178 |
| Memoranda: | ||
| Average total assets | $117,112,200 | 4,113 |
| Average earning assets | $109,091,600 | 4,077 |
| Average equity | $13,140,200 | 4,111 |
| Average total loans | $84,164,200 | 3,720 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 1,974 |
| Cost of funding earning assets | 0.4067% | 3,155 |
| Net interest margin | 3.9771% | 1,778 |
| Noninterest income to average assets | 0.2941% | 4,837 |
| Noninterest expense to average assets | 2.4457% | 4,370 |
| Loan and lease loss provision to assets | -0.4578% | 6,200 |
| Net operating income to assets | 1.2462% | 1,506 |
| Return on assets (ROA) | 1.2623% | 1,507 |
| Pretax return on assets | 2.0245% | 573 |
| Return on Equity (ROE) | 11.2930% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.2930% | 437 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3375% | 4,668 |
| Assets per employee ($millions) | 5.4466% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 1,461 |
| Loan loss allowance to noncurrent loans | 382.0253% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 4,446 |
| Noncurrent loans to loans | 0.4459% | 4,010 |
| Net loans and leases to total assets | 72.6687% | 1,961 |
| Net loans and leases to deposits | 83.8148% | 2,425 |
| Net loans and leases to core deposits | 98.2311% | 1,678 |
| Total domestic deposits to total assets | 86.7016% | 2,186 |
| Equity capital to assets | 11.3556% | 2,638 |
| Core capital (leverage) ratio | 11.4423% | 2,085 |
| Tier 1 risk-based capital ratio | 15.0035% | 3,288 |
| Total risk-based capital ratio | 16.2591% | 3,225 |
| Memoranda: | ||
| Average total assets | $116,502,250 | 4,169 |
| Average earning assets | $108,184,250 | 4,141 |
| Average equity | $13,022,500 | 4,179 |
| Average total loans | $82,896,250 | 3,782 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3106% | 2,137 |
| Cost of funding earning assets | 0.3987% | 3,290 |
| Net interest margin | 3.9119% | 1,934 |
| Noninterest income to average assets | 0.1595% | 5,755 |
| Noninterest expense to average assets | 2.4594% | 4,364 |
| Loan and lease loss provision to assets | -0.6933% | 6,299 |
| Net operating income to assets | 1.2564% | 1,440 |
| Return on assets (ROA) | 1.2808% | 1,438 |
| Pretax return on assets | 2.0538% | 540 |
| Return on Equity (ROE) | 11.5220% | 1,517 |
| Retained earnings to average equity (ytd only) | 11.5220% | 440 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0321% | 4,185 |
| Assets per employee ($millions) | 5.3865% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 1,516 |
| Loan loss allowance to noncurrent loans | 233.2303% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2447% | 2,025 |
| Noncurrent loans to loans | 0.7473% | 3,244 |
| Net loans and leases to total assets | 71.7881% | 2,022 |
| Net loans and leases to deposits | 83.6268% | 2,362 |
| Net loans and leases to core deposits | 94.2970% | 1,931 |
| Total domestic deposits to total assets | 85.8434% | 2,777 |
| Equity capital to assets | 11.0883% | 2,795 |
| Core capital (leverage) ratio | 11.0886% | 2,337 |
| Tier 1 risk-based capital ratio | 15.0686% | 3,317 |
| Total risk-based capital ratio | 16.3245% | 3,256 |
| Memoranda: | ||
| Average total assets | $115,394,330 | 4,228 |
| Average earning assets | $106,854,000 | 4,205 |
| Average equity | $12,827,670 | 4,236 |
| Average total loans | $81,000,000 | 3,848 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 2,004 |
| Cost of funding earning assets | 0.3877% | 3,439 |
| Net interest margin | 3.9412% | 1,739 |
| Noninterest income to average assets | 0.1687% | 5,711 |
| Noninterest expense to average assets | 2.4877% | 4,302 |
| Loan and lease loss provision to assets | -0.5271% | 6,354 |
| Net operating income to assets | 1.1522% | 1,693 |
| Return on assets (ROA) | 1.2017% | 1,639 |
| Pretax return on assets | 1.9290% | 679 |
| Return on Equity (ROE) | 10.7959% | 1,694 |
| Retained earnings to average equity (ytd only) | 10.7959% | 753 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2535% | 4,277 |
| Assets per employee ($millions) | 5.5173% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2243% | 781 |
| Loan loss allowance to noncurrent loans | 263.7181% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2903% | 2,062 |
| Noncurrent loans to loans | 0.8434% | 3,137 |
| Net loans and leases to total assets | 66.7366% | 2,645 |
| Net loans and leases to deposits | 77.5759% | 2,867 |
| Net loans and leases to core deposits | 85.7582% | 2,577 |
| Total domestic deposits to total assets | 86.0275% | 2,922 |
| Equity capital to assets | 11.1071% | 2,853 |
| Core capital (leverage) ratio | 11.1522% | 2,265 |
| Tier 1 risk-based capital ratio | 15.9770% | 2,935 |
| Total risk-based capital ratio | 17.2380% | 2,863 |
| Memoranda: | ||
| Average total assets | $113,840,000 | 4,288 |
| Average earning assets | $105,246,000 | 4,269 |
| Average equity | $12,671,500 | 4,292 |
| Average total loans | $78,210,000 | 3,953 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,510 |
| Cost of funding earning assets | 0.3804% | 3,905 |
| Net interest margin | 3.9463% | 2,063 |
| Noninterest income to average assets | 0.3098% | 4,904 |
| Noninterest expense to average assets | 2.6116% | 4,170 |
| Loan and lease loss provision to assets | -0.0054% | 5,900 |
| Net operating income to assets | 0.8318% | 3,214 |
| Return on assets (ROA) | 0.8455% | 3,235 |
| Pretax return on assets | 1.3563% | 2,056 |
| Return on Equity (ROE) | 8.0874% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.0874% | 990 |
| Net charge-offs to loans | -0.0083% | 5,528 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2664% | 4,205 |
| Assets per employee ($millions) | 4.8616% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4684% | 573 |
| Loan loss allowance to noncurrent loans | 278.2799% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3540% | 2,069 |
| Noncurrent loans to loans | 0.8870% | 3,098 |
| Net loans and leases to total assets | 67.4575% | 2,652 |
| Net loans and leases to deposits | 79.1689% | 2,817 |
| Net loans and leases to core deposits | 89.2746% | 2,353 |
| Total domestic deposits to total assets | 85.2071% | 3,206 |
| Equity capital to assets | 11.1557% | 2,744 |
| Core capital (leverage) ratio | 10.8131% | 2,603 |
| Tier 1 risk-based capital ratio | 15.3023% | 3,312 |
| Total risk-based capital ratio | 16.5672% | 3,259 |
| Memoranda: | ||
| Average total assets | $111,998,800 | 4,346 |
| Average earning assets | $103,058,200 | 4,327 |
| Average equity | $11,709,600 | 4,416 |
| Average total loans | $72,510,200 | 4,111 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 2,632 |
| Cost of funding earning assets | 0.3780% | 4,045 |
| Net interest margin | 3.9223% | 2,150 |
| Noninterest income to average assets | 0.3546% | 4,603 |
| Noninterest expense to average assets | 2.6287% | 4,098 |
| Loan and lease loss provision to assets | -0.0071% | 6,081 |
| Net operating income to assets | 0.8345% | 3,262 |
| Return on assets (ROA) | 0.8520% | 3,260 |
| Pretax return on assets | 1.3661% | 2,136 |
| Return on Equity (ROE) | 8.2879% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.2879% | 1,227 |
| Net charge-offs to loans | -0.0112% | 5,450 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3762% | 4,161 |
| Assets per employee ($millions) | 5.0465% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5286% | 626 |
| Loan loss allowance to noncurrent loans | 270.3966% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 2,336 |
| Noncurrent loans to loans | 0.9351% | 3,219 |
| Net loans and leases to total assets | 63.3988% | 3,281 |
| Net loans and leases to deposits | 73.0624% | 3,558 |
| Net loans and leases to core deposits | 80.7353% | 3,222 |
| Total domestic deposits to total assets | 86.7735% | 2,433 |
| Equity capital to assets | 10.3877% | 3,694 |
| Core capital (leverage) ratio | 10.2149% | 3,395 |
| Tier 1 risk-based capital ratio | 15.0201% | 3,569 |
| Total risk-based capital ratio | 16.2848% | 3,503 |
| Memoranda: | ||
| Average total assets | $112,044,250 | 4,379 |
| Average earning assets | $102,998,000 | 4,366 |
| Average equity | $11,518,500 | 4,483 |
| Average total loans | $71,303,250 | 4,180 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 2,521 |
| Cost of funding earning assets | 0.3802% | 4,101 |
| Net interest margin | 3.9395% | 2,015 |
| Noninterest income to average assets | 0.2313% | 5,543 |
| Noninterest expense to average assets | 2.7027% | 3,851 |
| Loan and lease loss provision to assets | -0.0108% | 6,234 |
| Net operating income to assets | 0.7190% | 3,734 |
| Return on assets (ROA) | 0.7190% | 3,832 |
| Pretax return on assets | 1.1526% | 2,868 |
| Return on Equity (ROE) | 7.0200% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.0200% | 1,765 |
| Net charge-offs to loans | -0.0172% | 5,490 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3008% | 3,608 |
| Assets per employee ($millions) | 4.8294% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6993% | 536 |
| Loan loss allowance to noncurrent loans | 689.1697% | 703 |
| Noncurrent assets plus other real estate owned to assets | 2.1679% | 1,417 |
| Noncurrent loans to loans | 0.3917% | 4,819 |
| Net loans and leases to total assets | 61.9504% | 3,418 |
| Net loans and leases to deposits | 71.6359% | 3,619 |
| Net loans and leases to core deposits | 74.8038% | 3,748 |
| Total domestic deposits to total assets | 86.4795% | 2,773 |
| Equity capital to assets | 10.5810% | 3,337 |
| Core capital (leverage) ratio | 9.9836% | 3,639 |
| Tier 1 risk-based capital ratio | 15.3433% | 3,446 |
| Total risk-based capital ratio | 16.6110% | 3,382 |
| Memoranda: | ||
| Average total assets | $110,702,330 | 4,432 |
| Average earning assets | $101,535,000 | 4,424 |
| Average equity | $11,339,000 | 4,532 |
| Average total loans | $69,905,670 | 4,237 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 2,653 |
| Cost of funding earning assets | 0.3770% | 4,231 |
| Net interest margin | 3.8882% | 2,128 |
| Noninterest income to average assets | 0.2063% | 5,704 |
| Noninterest expense to average assets | 2.6639% | 4,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7022% | 3,676 |
| Return on assets (ROA) | 0.7022% | 3,757 |
| Pretax return on assets | 1.1256% | 2,789 |
| Return on Equity (ROE) | 6.9709% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.9709% | 2,061 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2961% | 3,783 |
| Assets per employee ($millions) | 5.4713% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6754% | 652 |
| Loan loss allowance to noncurrent loans | 660.5536% | 744 |
| Noncurrent assets plus other real estate owned to assets | 2.3029% | 1,422 |
| Noncurrent loans to loans | 0.4050% | 4,921 |
| Net loans and leases to total assets | 60.4420% | 3,487 |
| Net loans and leases to deposits | 69.2148% | 3,708 |
| Net loans and leases to core deposits | 69.7866% | 4,117 |
| Total domestic deposits to total assets | 87.3252% | 2,618 |
| Equity capital to assets | 9.8749% | 3,985 |
| Core capital (leverage) ratio | 10.0957% | 3,433 |
| Tier 1 risk-based capital ratio | 15.2116% | 3,609 |
| Total risk-based capital ratio | 16.4784% | 3,548 |
| Memoranda: | ||
| Average total assets | $110,515,500 | 4,475 |
| Average earning assets | $101,847,000 | 4,457 |
| Average equity | $11,132,000 | 4,582 |
| Average total loans | $69,498,000 | 4,277 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,825 |
| Cost of funding earning assets | 0.3982% | 4,677 |
| Net interest margin | 3.9365% | 2,152 |
| Noninterest income to average assets | -0.0492% | 6,693 |
| Noninterest expense to average assets | 2.9826% | 3,104 |
| Loan and lease loss provision to assets | -0.6967% | 6,773 |
| Net operating income to assets | 2.2121% | 240 |
| Return on assets (ROA) | 2.2556% | 230 |
| Pretax return on assets | 1.3394% | 2,012 |
| Return on Equity (ROE) | 23.3248% | 166 |
| Retained earnings to average equity (ytd only) | 23.3248% | 58 |
| Net charge-offs to loans | 0.1319% | 3,486 |
| Credit loss provision to net charge-offs | -817.7778% | 6,205 |
| Earnings coverage of net charge-offs (x) | 7.0333% | 2,925 |
| Efficiency ratio | 83.2717% | 1,717 |
| Assets per employee ($millions) | 5.0540% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8223% | 578 |
| Loan loss allowance to noncurrent loans | 158.1607% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 3.3580% | 897 |
| Noncurrent loans to loans | 1.7844% | 2,249 |
| Net loans and leases to total assets | 61.9330% | 3,374 |
| Net loans and leases to deposits | 71.3974% | 3,607 |
| Net loans and leases to core deposits | 72.0390% | 4,064 |
| Total domestic deposits to total assets | 86.7441% | 2,858 |
| Equity capital to assets | 10.2870% | 3,404 |
| Core capital (leverage) ratio | 9.9541% | 3,638 |
| Tier 1 risk-based capital ratio | 15.6181% | 3,296 |
| Total risk-based capital ratio | 16.8878% | 3,243 |
| Memoranda: | ||
| Average total assets | $105,646,400 | 4,602 |
| Average earning assets | $97,447,800 | 4,581 |
| Average equity | $10,216,600 | 4,795 |
| Average total loans | $68,239,600 | 4,333 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 3,187 |
| Cost of funding earning assets | 0.3995% | 4,818 |
| Net interest margin | 3.8541% | 2,448 |
| Noninterest income to average assets | 0.2198% | 5,854 |
| Noninterest expense to average assets | 3.0653% | 2,773 |
| Loan and lease loss provision to assets | -0.9299% | 6,871 |
| Net operating income to assets | 2.9048% | 120 |
| Return on assets (ROA) | 2.9477% | 116 |
| Pretax return on assets | 1.6868% | 1,128 |
| Return on Equity (ROE) | 30.9781% | 62 |
| Retained earnings to average equity (ytd only) | 30.9781% | 30 |
| Net charge-offs to loans | 0.1755% | 2,818 |
| Credit loss provision to net charge-offs | -817.7778% | 6,149 |
| Earnings coverage of net charge-offs (x) | 6.2776% | 3,006 |
| Efficiency ratio | 81.1100% | 1,952 |
| Assets per employee ($millions) | 5.0536% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8981% | 617 |
| Loan loss allowance to noncurrent loans | 129.0737% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 3.8888% | 823 |
| Noncurrent loans to loans | 2.2453% | 1,963 |
| Net loans and leases to total assets | 60.2699% | 3,658 |
| Net loans and leases to deposits | 68.5097% | 4,001 |
| Net loans and leases to core deposits | 69.1145% | 4,421 |
| Total domestic deposits to total assets | 87.9728% | 2,149 |
| Equity capital to assets | 10.3735% | 3,425 |
| Core capital (leverage) ratio | 9.7321% | 4,061 |
| Tier 1 risk-based capital ratio | 15.7611% | 3,322 |
| Total risk-based capital ratio | 17.0301% | 3,266 |
| Memoranda: | ||
| Average total assets | $105,524,500 | 4,653 |
| Average earning assets | $97,453,500 | 4,630 |
| Average equity | $10,041,250 | 4,894 |
| Average total loans | $68,389,250 | 4,362 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 3,316 |
| Cost of funding earning assets | 0.4062% | 4,882 |
| Net interest margin | 3.8056% | 2,536 |
| Noninterest income to average assets | 0.1937% | 6,050 |
| Noninterest expense to average assets | 3.6782% | 1,285 |
| Loan and lease loss provision to assets | -0.9229% | 6,913 |
| Net operating income to assets | 3.4370% | 84 |
| Return on assets (ROA) | 3.5016% | 83 |
| Pretax return on assets | 1.0254% | 3,394 |
| Return on Equity (ROE) | 37.9476% | 36 |
| Retained earnings to average equity (ytd only) | 37.9476% | 16 |
| Net charge-offs to loans | 0.2600% | 2,168 |
| Credit loss provision to net charge-offs | -540.0000% | 5,925 |
| Earnings coverage of net charge-offs (x) | 0.2222% | 4,470 |
| Efficiency ratio | 98.9780% | 523 |
| Assets per employee ($millions) | 5.1006% | 1,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1132% | 522 |
| Loan loss allowance to noncurrent loans | 276.0870% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 2.9912% | 1,357 |
| Noncurrent loans to loans | 1.1276% | 3,681 |
| Net loans and leases to total assets | 62.7281% | 3,150 |
| Net loans and leases to deposits | 71.0216% | 3,582 |
| Net loans and leases to core deposits | 71.4483% | 4,117 |
| Total domestic deposits to total assets | 88.3226% | 2,027 |
| Equity capital to assets | 9.7318% | 4,255 |
| Core capital (leverage) ratio | 9.2281% | 4,655 |
| Tier 1 risk-based capital ratio | 13.9254% | 4,472 |
| Total risk-based capital ratio | 15.1980% | 4,420 |
| Memoranda: | ||
| Average total assets | $105,324,000 | 4,697 |
| Average earning assets | $97,486,670 | 4,659 |
| Average equity | $9,718,670 | 5,007 |
| Average total loans | $69,228,670 | 4,337 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 3,606 |
| Cost of funding earning assets | 0.4157% | 4,955 |
| Net interest margin | 3.7126% | 2,805 |
| Noninterest income to average assets | 0.1877% | 6,131 |
| Noninterest expense to average assets | 2.9992% | 2,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6473% | 3,977 |
| Return on assets (ROA) | 0.7776% | 3,429 |
| Pretax return on assets | 0.7737% | 4,282 |
| Return on Equity (ROE) | 8.6697% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.6697% | 1,503 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3344% | 1,988 |
| Assets per employee ($millions) | 5.3838% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8789% | 318 |
| Loan loss allowance to noncurrent loans | 167.5858% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 3.7650% | 1,098 |
| Noncurrent loans to loans | 2.3146% | 2,262 |
| Net loans and leases to total assets | 62.9435% | 2,893 |
| Net loans and leases to deposits | 70.1372% | 3,462 |
| Net loans and leases to core deposits | 70.5490% | 4,000 |
| Total domestic deposits to total assets | 89.7433% | 1,189 |
| Equity capital to assets | 8.7141% | 5,798 |
| Core capital (leverage) ratio | 8.9100% | 5,043 |
| Tier 1 risk-based capital ratio | 13.1099% | 5,138 |
| Total risk-based capital ratio | 14.3913% | 5,068 |
| Memoranda: | ||
| Average total assets | $104,429,500 | 4,763 |
| Average earning assets | $97,183,500 | 4,709 |
| Average equity | $9,366,000 | 5,144 |
| Average total loans | $69,168,500 | 4,369 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 4,408 |
| Cost of funding earning assets | 0.5238% | 5,039 |
| Net interest margin | 3.7234% | 3,549 |
| Noninterest income to average assets | 0.1308% | 6,385 |
| Noninterest expense to average assets | 2.9926% | 3,303 |
| Loan and lease loss provision to assets | -1.1564% | 7,071 |
| Net operating income to assets | 2.0146% | 348 |
| Return on assets (ROA) | 2.0532% | 355 |
| Pretax return on assets | 1.7569% | 1,006 |
| Return on Equity (ROE) | 30.4437% | 61 |
| Retained earnings to average equity (ytd only) | 30.4437% | 21 |
| Net charge-offs to loans | -0.5691% | 7,010 |
| Credit loss provision to net charge-offs | 312.0321% | 776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1929% | 1,609 |
| Assets per employee ($millions) | 5.0592% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0323% | 281 |
| Loan loss allowance to noncurrent loans | 138.7620% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 4.4395% | 936 |
| Noncurrent loans to loans | 2.9059% | 1,801 |
| Net loans and leases to total assets | 64.3310% | 2,839 |
| Net loans and leases to deposits | 72.1065% | 3,396 |
| Net loans and leases to core deposits | 72.5591% | 3,967 |
| Total domestic deposits to total assets | 89.2166% | 1,427 |
| Equity capital to assets | 9.2397% | 5,224 |
| Core capital (leverage) ratio | 9.1217% | 4,704 |
| Tier 1 risk-based capital ratio | 13.1787% | 4,980 |
| Total risk-based capital ratio | 14.4621% | 4,896 |
| Memoranda: | ||
| Average total assets | $100,914,400 | 4,814 |
| Average earning assets | $92,791,600 | 4,781 |
| Average equity | $6,806,000 | 5,816 |
| Average total loans | $65,723,200 | 4,521 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 4,580 |
| Cost of funding earning assets | 0.5549% | 5,045 |
| Net interest margin | 3.7144% | 3,731 |
| Noninterest income to average assets | 0.0767% | 6,706 |
| Noninterest expense to average assets | 3.0144% | 3,188 |
| Loan and lease loss provision to assets | -1.4054% | 7,173 |
| Net operating income to assets | 1.8747% | 483 |
| Return on assets (ROA) | 1.9263% | 497 |
| Pretax return on assets | 1.9263% | 820 |
| Return on Equity (ROE) | 31.4837% | 67 |
| Retained earnings to average equity (ytd only) | 31.4837% | 30 |
| Net charge-offs to loans | -0.5706% | 7,098 |
| Credit loss provision to net charge-offs | 381.0036% | 708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5275% | 1,340 |
| Assets per employee ($millions) | 4.7995% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2216% | 258 |
| Loan loss allowance to noncurrent loans | 162.3669% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 4.3890% | 1,062 |
| Noncurrent loans to loans | 2.6000% | 2,195 |
| Net loans and leases to total assets | 64.8557% | 2,865 |
| Net loans and leases to deposits | 71.1161% | 3,730 |
| Net loans and leases to core deposits | 71.5756% | 4,309 |
| Total domestic deposits to total assets | 91.1970% | 360 |
| Equity capital to assets | 7.0164% | 6,879 |
| Core capital (leverage) ratio | 6.6051% | 6,865 |
| Tier 1 risk-based capital ratio | 9.8860% | 6,821 |
| Total risk-based capital ratio | 11.1714% | 6,795 |
| Memoranda: | ||
| Average total assets | $100,847,250 | 4,857 |
| Average earning assets | $92,501,500 | 4,835 |
| Average equity | $6,170,250 | 6,045 |
| Average total loans | $65,197,250 | 4,589 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 4,758 |
| Cost of funding earning assets | 0.6109% | 4,804 |
| Net interest margin | 3.6401% | 4,078 |
| Noninterest income to average assets | 0.0703% | 6,795 |
| Noninterest expense to average assets | 2.9551% | 3,424 |
| Loan and lease loss provision to assets | -2.0748% | 7,239 |
| Net operating income to assets | 2.5159% | 170 |
| Return on assets (ROA) | 2.5491% | 183 |
| Pretax return on assets | 2.5491% | 282 |
| Return on Equity (ROE) | 43.6643% | 31 |
| Retained earnings to average equity (ytd only) | 43.6643% | 20 |
| Net charge-offs to loans | -0.8519% | 7,172 |
| Credit loss provision to net charge-offs | 382.3741% | 782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0115% | 1,336 |
| Assets per employee ($millions) | 4.5745% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1825% | 304 |
| Loan loss allowance to noncurrent loans | 159.8485% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 5.0637% | 938 |
| Noncurrent loans to loans | 2.6165% | 2,295 |
| Net loans and leases to total assets | 62.4416% | 3,347 |
| Net loans and leases to deposits | 68.0094% | 4,199 |
| Net loans and leases to core deposits | 68.4241% | 4,736 |
| Total domestic deposits to total assets | 91.8132% | 255 |
| Equity capital to assets | 6.4807% | 6,982 |
| Core capital (leverage) ratio | 6.3230% | 6,954 |
| Tier 1 risk-based capital ratio | 9.3431% | 6,945 |
| Total risk-based capital ratio | 10.6261% | 6,941 |
| Memoranda: | ||
| Average total assets | $102,466,330 | 4,846 |
| Average earning assets | $93,625,000 | 4,829 |
| Average equity | $5,982,000 | 6,124 |
| Average total loans | $65,263,330 | 4,597 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 5,001 |
| Cost of funding earning assets | 0.7004% | 4,279 |
| Net interest margin | 3.5276% | 4,573 |
| Noninterest income to average assets | -0.2902% | 7,223 |
| Noninterest expense to average assets | 2.9135% | 3,573 |
| Loan and lease loss provision to assets | -4.1130% | 7,305 |
| Net operating income to assets | 4.1246% | 62 |
| Return on assets (ROA) | 4.1246% | 68 |
| Pretax return on assets | 4.1246% | 83 |
| Return on Equity (ROE) | 74.6499% | 14 |
| Retained earnings to average equity (ytd only) | 74.6499% | 10 |
| Net charge-offs to loans | -1.6528% | 7,244 |
| Credit loss provision to net charge-offs | 395.1673% | 795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6032% | 564 |
| Assets per employee ($millions) | 5.3161% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2822% | 296 |
| Loan loss allowance to noncurrent loans | 156.4969% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 5.7354% | 837 |
| Noncurrent loans to loans | 2.7363% | 2,383 |
| Net loans and leases to total assets | 60.5039% | 3,554 |
| Net loans and leases to deposits | 65.2892% | 4,456 |
| Net loans and leases to core deposits | 65.6815% | 4,951 |
| Total domestic deposits to total assets | 92.6707% | 165 |
| Equity capital to assets | 6.1839% | 7,055 |
| Core capital (leverage) ratio | 6.0440% | 7,034 |
| Tier 1 risk-based capital ratio | 8.8208% | 7,046 |
| Total risk-based capital ratio | 10.1035% | 7,048 |
| Memoranda: | ||
| Average total assets | $103,380,500 | 4,854 |
| Average earning assets | $94,229,000 | 4,847 |
| Average equity | $5,712,000 | 6,221 |
| Average total loans | $65,103,500 | 4,616 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6325% | 4,538 |
| Cost of funding earning assets | 0.8300% | 4,627 |
| Net interest margin | 3.8024% | 3,802 |
| Noninterest income to average assets | -0.4462% | 7,250 |
| Noninterest expense to average assets | 3.0239% | 3,502 |
| Loan and lease loss provision to assets | 0.1698% | 4,519 |
| Net operating income to assets | -0.1102% | 6,175 |
| Return on assets (ROA) | 0.1298% | 5,921 |
| Pretax return on assets | 0.0693% | 6,017 |
| Return on Equity (ROE) | 4.4013% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.4013% | 3,041 |
| Net charge-offs to loans | 1.8657% | 774 |
| Credit loss provision to net charge-offs | 13.5943% | 5,986 |
| Earnings coverage of net charge-offs (x) | -0.0007% | 5,823 |
| Efficiency ratio | 100.0294% | 672 |
| Assets per employee ($millions) | 5.5661% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3164% | 147 |
| Loan loss allowance to noncurrent loans | 117.9539% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 6.9556% | 658 |
| Noncurrent loans to loans | 4.5072% | 1,323 |
| Net loans and leases to total assets | 59.4132% | 4,107 |
| Net loans and leases to deposits | 65.1781% | 4,856 |
| Net loans and leases to core deposits | 65.7331% | 5,282 |
| Total domestic deposits to total assets | 91.1551% | 441 |
| Equity capital to assets | 4.8962% | 7,175 |
| Core capital (leverage) ratio | 4.6982% | 7,166 |
| Tier 1 risk-based capital ratio | 7.0487% | 7,152 |
| Total risk-based capital ratio | 8.3430% | 7,153 |
| Memoranda: | ||
| Average total assets | $112,503,800 | 4,581 |
| Average earning assets | $102,645,200 | 4,573 |
| Average equity | $3,317,200 | 6,927 |
| Average total loans | $75,307,800 | 4,301 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 4,544 |
| Cost of funding earning assets | 0.8589% | 4,712 |
| Net interest margin | 3.8221% | 3,756 |
| Noninterest income to average assets | -0.1261% | 7,228 |
| Noninterest expense to average assets | 3.0159% | 3,500 |
| Loan and lease loss provision to assets | 0.6387% | 1,538 |
| Net operating income to assets | -0.2942% | 6,481 |
| Return on assets (ROA) | -0.2487% | 6,509 |
| Pretax return on assets | -0.2487% | 6,451 |
| Return on Equity (ROE) | -9.9576% | 6,890 |
| Retained earnings to average equity (ytd only) | -9.9576% | 6,854 |
| Net charge-offs to loans | 2.4226% | 458 |
| Credit loss provision to net charge-offs | 38.8219% | 5,277 |
| Earnings coverage of net charge-offs (x) | 0.2094% | 5,440 |
| Efficiency ratio | 89.7498% | 1,184 |
| Assets per employee ($millions) | 5.7599% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4965% | 132 |
| Loan loss allowance to noncurrent loans | 126.5905% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 8.2860% | 520 |
| Noncurrent loans to loans | 4.3419% | 1,504 |
| Net loans and leases to total assets | 60.9578% | 3,949 |
| Net loans and leases to deposits | 66.8795% | 4,775 |
| Net loans and leases to core deposits | 67.4284% | 5,252 |
| Total domestic deposits to total assets | 91.1457% | 393 |
| Equity capital to assets | 4.9389% | 7,269 |
| Core capital (leverage) ratio | 4.2792% | 7,284 |
| Tier 1 risk-based capital ratio | 6.0817% | 7,293 |
| Total risk-based capital ratio | 7.3901% | 7,294 |
| Memoranda: | ||
| Average total assets | $114,190,750 | 4,574 |
| Average earning assets | $104,163,250 | 4,569 |
| Average equity | $2,852,000 | 7,109 |
| Average total loans | $77,544,500 | 4,263 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 4,675 |
| Cost of funding earning assets | 0.9047% | 4,625 |
| Net interest margin | 3.7621% | 3,978 |
| Noninterest income to average assets | -0.2643% | 7,371 |
| Noninterest expense to average assets | 3.0697% | 3,361 |
| Loan and lease loss provision to assets | 0.9449% | 934 |
| Net operating income to assets | -0.8309% | 6,885 |
| Return on assets (ROA) | -0.8309% | 6,889 |
| Pretax return on assets | -0.8309% | 6,838 |
| Return on Equity (ROE) | -48.0760% | 7,340 |
| Retained earnings to average equity (ytd only) | -48.0760% | 7,337 |
| Net charge-offs to loans | 3.1053% | 323 |
| Credit loss provision to net charge-offs | 44.1129% | 4,733 |
| Earnings coverage of net charge-offs (x) | 0.0532% | 5,250 |
| Efficiency ratio | 96.4189% | 858 |
| Assets per employee ($millions) | 5.7184% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2848% | 160 |
| Loan loss allowance to noncurrent loans | 73.8781% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 8.8155% | 482 |
| Noncurrent loans to loans | 7.1534% | 705 |
| Net loans and leases to total assets | 66.8069% | 2,860 |
| Net loans and leases to deposits | 72.4170% | 4,050 |
| Net loans and leases to core deposits | 73.0070% | 4,706 |
| Total domestic deposits to total assets | 92.2530% | 191 |
| Equity capital to assets | 3.8077% | 7,403 |
| Core capital (leverage) ratio | 3.3627% | 7,411 |
| Tier 1 risk-based capital ratio | 4.8904% | 7,404 |
| Total risk-based capital ratio | 6.1862% | 7,404 |
| Memoranda: | ||
| Average total assets | $115,775,000 | 4,568 |
| Average earning assets | $106,109,670 | 4,562 |
| Average equity | $2,001,000 | 7,347 |
| Average total loans | $79,862,330 | 4,223 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4108% | 5,656 |
| Cost of funding earning assets | 0.9413% | 4,636 |
| Net interest margin | 3.4695% | 5,146 |
| Noninterest income to average assets | -0.7240% | 7,520 |
| Noninterest expense to average assets | 3.0300% | 3,517 |
| Loan and lease loss provision to assets | 0.1073% | 4,670 |
| Net operating income to assets | -0.6737% | 6,903 |
| Return on assets (ROA) | -0.6737% | 6,909 |
| Pretax return on assets | -0.6737% | 6,860 |
| Return on Equity (ROE) | -86.1736% | 7,486 |
| Retained earnings to average equity (ytd only) | -86.1736% | 7,479 |
| Net charge-offs to loans | 1.4876% | 913 |
| Credit loss provision to net charge-offs | 10.5611% | 4,372 |
| Earnings coverage of net charge-offs (x) | -0.5578% | 4,811 |
| Efficiency ratio | 122.9932% | 319 |
| Assets per employee ($millions) | 6.3854% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5665% | 134 |
| Loan loss allowance to noncurrent loans | 48.5398% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 11.0960% | 328 |
| Noncurrent loans to loans | 11.4679% | 311 |
| Net loans and leases to total assets | 62.5182% | 3,756 |
| Net loans and leases to deposits | 68.4261% | 4,618 |
| Net loans and leases to core deposits | 68.9286% | 5,176 |
| Total domestic deposits to total assets | 91.3660% | 457 |
| Equity capital to assets | 0.8127% | 7,561 |
| Core capital (leverage) ratio | 1.1323% | 7,553 |
| Tier 1 risk-based capital ratio | 1.6100% | 7,554 |
| Total risk-based capital ratio | 2.9144% | 7,554 |
| Memoranda: | ||
| Average total assets | $119,338,000 | 4,505 |
| Average earning assets | $109,641,000 | 4,483 |
| Average equity | $933,000 | 7,541 |
| Average total loans | $81,476,000 | 4,204 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 6,530 |
| Cost of funding earning assets | 1.3512% | 3,564 |
| Net interest margin | 3.0932% | 6,538 |
| Noninterest income to average assets | -0.7727% | 7,600 |
| Noninterest expense to average assets | 3.0964% | 3,469 |
| Loan and lease loss provision to assets | 5.1454% | 72 |
| Net operating income to assets | -6.1564% | 7,587 |
| Return on assets (ROA) | -5.8081% | 7,583 |
| Pretax return on assets | -5.8081% | 7,577 |
| Return on Equity (ROE) | -200.3824% | 7,648 |
| Retained earnings to average equity (ytd only) | -200.3824% | 7,648 |
| Net charge-offs to loans | 5.6639% | 116 |
| Credit loss provision to net charge-offs | 129.2819% | 3,083 |
| Earnings coverage of net charge-offs (x) | -0.2540% | 6,325 |
| Efficiency ratio | 148.4814% | 223 |
| Assets per employee ($millions) | 6.1765% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7387% | 121 |
| Loan loss allowance to noncurrent loans | 41.2958% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 12.9379% | 231 |
| Noncurrent loans to loans | 13.8966% | 199 |
| Net loans and leases to total assets | 66.3724% | 3,388 |
| Net loans and leases to deposits | 72.9662% | 4,357 |
| Net loans and leases to core deposits | 73.7008% | 5,018 |
| Total domestic deposits to total assets | 90.9632% | 612 |
| Equity capital to assets | 0.7499% | 7,636 |
| Core capital (leverage) ratio | 1.0778% | 7,632 |
| Tier 1 risk-based capital ratio | 1.5132% | 7,631 |
| Total risk-based capital ratio | 2.8201% | 7,631 |
| Memoranda: | ||
| Average total assets | $126,306,600 | 4,343 |
| Average earning assets | $116,707,000 | 4,299 |
| Average equity | $3,661,000 | 7,091 |
| Average total loans | $88,754,400 | 4,085 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 6,691 |
| Cost of funding earning assets | 1.4433% | 3,308 |
| Net interest margin | 3.0166% | 6,796 |
| Noninterest income to average assets | -0.5974% | 7,697 |
| Noninterest expense to average assets | 3.0225% | 3,666 |
| Loan and lease loss provision to assets | 4.3263% | 125 |
| Net operating income to assets | -5.1540% | 7,658 |
| Return on assets (ROA) | -4.6976% | 7,632 |
| Pretax return on assets | -4.6976% | 7,613 |
| Return on Equity (ROE) | -138.6174% | 7,722 |
| Retained earnings to average equity (ytd only) | -138.6174% | 7,722 |
| Net charge-offs to loans | 6.9482% | 68 |
| Credit loss provision to net charge-offs | 88.6504% | 4,821 |
| Earnings coverage of net charge-offs (x) | -0.1696% | 6,161 |
| Efficiency ratio | 137.7127% | 258 |
| Assets per employee ($millions) | 6.2742% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2646% | 660 |
| Loan loss allowance to noncurrent loans | 50.5543% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 8.2921% | 590 |
| Noncurrent loans to loans | 6.4576% | 925 |
| Net loans and leases to total assets | 68.0077% | 3,214 |
| Net loans and leases to deposits | 77.0361% | 4,004 |
| Net loans and leases to core deposits | 78.3933% | 4,755 |
| Total domestic deposits to total assets | 88.2803% | 1,811 |
| Equity capital to assets | 3.4787% | 7,666 |
| Core capital (leverage) ratio | 3.2322% | 7,662 |
| Tier 1 risk-based capital ratio | 4.5848% | 7,660 |
| Total risk-based capital ratio | 5.8676% | 7,664 |
| Memoranda: | ||
| Average total assets | $128,545,000 | 4,363 |
| Average earning assets | $118,983,750 | 4,310 |
| Average equity | $4,356,250 | 6,961 |
| Average total loans | $90,285,000 | 4,106 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 6,746 |
| Cost of funding earning assets | 1.5304% | 3,070 |
| Net interest margin | 2.9546% | 6,929 |
| Noninterest income to average assets | -0.9236% | 7,789 |
| Noninterest expense to average assets | 2.8848% | 4,134 |
| Loan and lease loss provision to assets | 6.1022% | 71 |
| Net operating income to assets | -7.1656% | 7,776 |
| Return on assets (ROA) | -6.6932% | 7,763 |
| Pretax return on assets | -6.6932% | 7,752 |
| Return on Equity (ROE) | -199.0962% | 7,802 |
| Retained earnings to average equity (ytd only) | -199.0962% | 7,802 |
| Net charge-offs to loans | 7.8967% | 64 |
| Credit loss provision to net charge-offs | 110.0548% | 3,698 |
| Earnings coverage of net charge-offs (x) | -0.1918% | 5,869 |
| Efficiency ratio | 158.3820% | 183 |
| Assets per employee ($millions) | 6.6817% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0983% | 341 |
| Loan loss allowance to noncurrent loans | 48.4288% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 8.6056% | 535 |
| Noncurrent loans to loans | 8.4624% | 592 |
| Net loans and leases to total assets | 63.6874% | 4,319 |
| Net loans and leases to deposits | 70.0922% | 5,266 |
| Net loans and leases to core deposits | 71.3383% | 5,741 |
| Total domestic deposits to total assets | 90.8624% | 542 |
| Equity capital to assets | 2.1926% | 7,785 |
| Core capital (leverage) ratio | 2.0692% | 7,773 |
| Tier 1 risk-based capital ratio | 2.9336% | 7,776 |
| Total risk-based capital ratio | 4.2259% | 7,776 |
| Memoranda: | ||
| Average total assets | $131,656,670 | 4,307 |
| Average earning assets | $122,317,670 | 4,261 |
| Average equity | $4,426,000 | 6,965 |
| Average total loans | $92,444,000 | 4,095 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 6,753 |
| Cost of funding earning assets | 1.6394% | 2,714 |
| Net interest margin | 2.8804% | 7,049 |
| Noninterest income to average assets | -1.7265% | 7,917 |
| Noninterest expense to average assets | 2.7796% | 4,562 |
| Loan and lease loss provision to assets | 9.4805% | 36 |
| Net operating income to assets | -11.3080% | 7,909 |
| Return on assets (ROA) | -11.3080% | 7,909 |
| Pretax return on assets | -11.3080% | 7,904 |
| Return on Equity (ROE) | -285.5818% | 7,904 |
| Retained earnings to average equity (ytd only) | -285.5818% | 7,904 |
| Net charge-offs to loans | 9.8331% | 57 |
| Credit loss provision to net charge-offs | 133.6066% | 2,645 |
| Earnings coverage of net charge-offs (x) | -0.2575% | 5,188 |
| Efficiency ratio | 291.9614% | 44 |
| Assets per employee ($millions) | 6.2382% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4400% | 266 |
| Loan loss allowance to noncurrent loans | 40.5590% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 10.0136% | 399 |
| Noncurrent loans to loans | 10.9470% | 364 |
| Net loans and leases to total assets | 66.5219% | 3,740 |
| Net loans and leases to deposits | 73.7292% | 4,787 |
| Net loans and leases to core deposits | 80.0663% | 4,757 |
| Total domestic deposits to total assets | 90.2246% | 871 |
| Equity capital to assets | 2.6793% | 7,865 |
| Core capital (leverage) ratio | 2.5550% | 7,864 |
| Tier 1 risk-based capital ratio | 3.6911% | 7,851 |
| Total risk-based capital ratio | 4.9792% | 7,852 |
| Memoranda: | ||
| Average total assets | $130,668,000 | 4,397 |
| Average earning assets | $121,509,000 | 4,338 |
| Average equity | $5,174,000 | 6,790 |
| Average total loans | $94,293,500 | 4,116 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 6,997 |
| Cost of funding earning assets | 2.3009% | 1,648 |
| Net interest margin | 2.4738% | 7,448 |
| Noninterest income to average assets | 0.0705% | 7,398 |
| Noninterest expense to average assets | 3.4397% | 2,554 |
| Loan and lease loss provision to assets | 2.2182% | 934 |
| Net operating income to assets | -3.2917% | 7,462 |
| Return on assets (ROA) | -2.7236% | 7,337 |
| Pretax return on assets | -2.7236% | 7,216 |
| Return on Equity (ROE) | -39.2626% | 7,558 |
| Retained earnings to average equity (ytd only) | -39.2626% | 7,542 |
| Net charge-offs to loans | 0.8656% | 2,668 |
| Credit loss provision to net charge-offs | 355.0868% | 909 |
| Earnings coverage of net charge-offs (x) | -1.7184% | 6,984 |
| Efficiency ratio | 145.3652% | 349 |
| Assets per employee ($millions) | 6.2064% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3575% | 595 |
| Loan loss allowance to noncurrent loans | 28.1799% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 11.5887% | 276 |
| Noncurrent loans to loans | 11.9146% | 286 |
| Net loans and leases to total assets | 72.2168% | 2,697 |
| Net loans and leases to deposits | 82.4144% | 3,559 |
| Net loans and leases to core deposits | 93.7368% | 4,701 |
| Total domestic deposits to total assets | 87.6264% | 2,156 |
| Equity capital to assets | 5.2465% | 7,764 |
| Core capital (leverage) ratio | 5.1201% | 7,753 |
| Tier 1 risk-based capital ratio | 6.7805% | 7,770 |
| Total risk-based capital ratio | 8.0626% | 7,770 |
| Memoranda: | ||
| Average total assets | $129,022,600 | 4,354 |
| Average earning assets | $119,733,600 | 4,320 |
| Average equity | $8,950,000 | 5,625 |
| Average total loans | $93,114,200 | 4,129 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8487% | 7,016 |
| Cost of funding earning assets | 2.4132% | 1,583 |
| Net interest margin | 2.4355% | 7,535 |
| Noninterest income to average assets | 0.0746% | 7,533 |
| Noninterest expense to average assets | 3.6136% | 2,005 |
| Loan and lease loss provision to assets | 1.9550% | 935 |
| Net operating income to assets | -3.2334% | 7,637 |
| Return on assets (ROA) | -2.7693% | 7,534 |
| Pretax return on assets | -2.7693% | 7,442 |
| Return on Equity (ROE) | -37.6019% | 7,729 |
| Retained earnings to average equity (ytd only) | -37.6019% | 7,722 |
| Net charge-offs to loans | 0.3042% | 4,127 |
| Credit loss provision to net charge-offs | 898.5714% | 422 |
| Earnings coverage of net charge-offs (x) | -5.8762% | 6,868 |
| Efficiency ratio | 154.7471% | 292 |
| Assets per employee ($millions) | 6.5267% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1008% | 613 |
| Loan loss allowance to noncurrent loans | 37.1451% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 8.1270% | 519 |
| Noncurrent loans to loans | 8.3479% | 561 |
| Net loans and leases to total assets | 65.9137% | 4,455 |
| Net loans and leases to deposits | 75.5671% | 5,117 |
| Net loans and leases to core deposits | 84.6303% | 5,990 |
| Total domestic deposits to total assets | 87.2254% | 2,065 |
| Equity capital to assets | 5.9572% | 7,866 |
| Core capital (leverage) ratio | 5.7663% | 7,836 |
| Tier 1 risk-based capital ratio | 7.8461% | 7,815 |
| Total risk-based capital ratio | 9.1163% | 7,820 |
| Memoranda: | ||
| Average total assets | $128,694,750 | 4,396 |
| Average earning assets | $119,451,750 | 4,359 |
| Average equity | $9,478,000 | 5,495 |
| Average total loans | $92,044,500 | 4,196 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 7,334 |
| Cost of funding earning assets | 2.5682% | 1,377 |
| Net interest margin | 2.1713% | 7,769 |
| Noninterest income to average assets | 0.0699% | 7,636 |
| Noninterest expense to average assets | 2.8307% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.7450% | 6,790 |
| Return on assets (ROA) | -0.0334% | 5,965 |
| Pretax return on assets | -0.0334% | 5,908 |
| Return on Equity (ROE) | -0.4236% | 5,987 |
| Retained earnings to average equity (ytd only) | -0.4236% | 5,331 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.7197% | 475 |
| Assets per employee ($millions) | 6.5420% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 4,408 |
| Loan loss allowance to noncurrent loans | 27.2136% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 6.3000% | 749 |
| Noncurrent loans to loans | 4.6949% | 1,347 |
| Net loans and leases to total assets | 68.2797% | 4,112 |
| Net loans and leases to deposits | 79.4209% | 4,637 |
| Net loans and leases to core deposits | 92.9019% | 5,250 |
| Total domestic deposits to total assets | 85.9720% | 2,809 |
| Equity capital to assets | 6.9128% | 7,655 |
| Core capital (leverage) ratio | 7.5960% | 6,911 |
| Tier 1 risk-based capital ratio | 9.2420% | 7,575 |
| Total risk-based capital ratio | 10.3951% | 7,627 |
| Memoranda: | ||
| Average total assets | $125,906,000 | 4,482 |
| Average earning assets | $116,889,000 | 4,446 |
| Average equity | $9,915,670 | 5,380 |
| Average total loans | $91,648,330 | 4,240 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 7,312 |
| Cost of funding earning assets | 2.7973% | 989 |
| Net interest margin | 2.0399% | 7,877 |
| Noninterest income to average assets | 0.0699% | 7,711 |
| Noninterest expense to average assets | 2.6729% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.7024% | 7,060 |
| Return on assets (ROA) | 0.7889% | 3,337 |
| Pretax return on assets | 0.7889% | 4,115 |
| Return on Equity (ROE) | 9.3630% | 2,589 |
| Retained earnings to average equity (ytd only) | 9.3630% | 1,384 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.6419% | 452 |
| Assets per employee ($millions) | 5.6060% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 3,951 |
| Loan loss allowance to noncurrent loans | 26.2373% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 5.2201% | 845 |
| Noncurrent loans to loans | 5.0369% | 1,076 |
| Net loans and leases to total assets | 73.4998% | 2,887 |
| Net loans and leases to deposits | 80.2010% | 4,574 |
| Net loans and leases to core deposits | 99.4471% | 4,591 |
| Total domestic deposits to total assets | 91.6444% | 243 |
| Equity capital to assets | 8.1269% | 6,637 |
| Core capital (leverage) ratio | 8.2215% | 6,058 |
| Tier 1 risk-based capital ratio | 9.9925% | 6,935 |
| Total risk-based capital ratio | 11.1780% | 6,899 |
| Memoranda: | ||
| Average total assets | $120,168,000 | 4,648 |
| Average earning assets | $111,967,000 | 4,587 |
| Average equity | $10,125,000 | 5,345 |
| Average total loans | $89,963,500 | 4,307 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8820% | 6,127 |
| Cost of funding earning assets | 3.6688% | 295 |
| Net interest margin | 2.2132% | 7,954 |
| Noninterest income to average assets | 0.0649% | 7,822 |
| Noninterest expense to average assets | 3.1308% | 3,583 |
| Loan and lease loss provision to assets | 0.7832% | 1,905 |
| Net operating income to assets | -1.8329% | 7,567 |
| Return on assets (ROA) | -1.6236% | 7,463 |
| Pretax return on assets | -1.6236% | 7,306 |
| Return on Equity (ROE) | -17.6572% | 7,695 |
| Retained earnings to average equity (ytd only) | -17.6572% | 7,604 |
| Net charge-offs to loans | 0.4421% | 2,616 |
| Credit loss provision to net charge-offs | 234.8837% | 2,021 |
| Earnings coverage of net charge-offs (x) | -3.1483% | 6,771 |
| Efficiency ratio | 150.4425% | 347 |
| Assets per employee ($millions) | 5.3184% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 3,317 |
| Loan loss allowance to noncurrent loans | 43.5438% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 2.3828% | 2,041 |
| Noncurrent loans to loans | 3.1658% | 1,670 |
| Net loans and leases to total assets | 74.2285% | 3,048 |
| Net loans and leases to deposits | 84.7625% | 4,299 |
| Net loans and leases to core deposits | 99.9333% | 4,828 |
| Total domestic deposits to total assets | 87.5723% | 1,681 |
| Equity capital to assets | 8.7407% | 5,747 |
| Core capital (leverage) ratio | 8.2904% | 5,971 |
| Tier 1 risk-based capital ratio | 10.2572% | 6,461 |
| Total risk-based capital ratio | 11.5079% | 6,331 |
| Memoranda: | ||
| Average total assets | $103,167,600 | 4,955 |
| Average earning assets | $93,981,200 | 4,968 |
| Average equity | $9,486,200 | 5,576 |
| Average total loans | $77,817,000 | 4,591 |