Home > US Metro Bank > Performance and Condition Ratios
US Metro 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 | 5.9755% | 658 |
| Cost of funding earning assets | 2.8506% | 191 |
| Net interest margin | 3.1250% | 3,036 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 2.6107% | 1,972 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0251% | 2,135 |
| Return on assets (ROA) | 1.0291% | 2,102 |
| Pretax return on assets | 1.4315% | 1,571 |
| Return on Equity (ROE) | 10.5100% | 2,359 |
| Retained earnings to average equity (ytd only) | 7.5391% | 1,685 |
| Net charge-offs to loans | 0.0275% | 1,760 |
| Credit loss provision to net charge-offs | 131.5789% | 1,583 |
| Earnings coverage of net charge-offs (x) | 64.5451% | 1,149 |
| Efficiency ratio | 63.9708% | 2,610 |
| Assets per employee ($millions) | 8.1133% | 1,382 |
| Cash dividends to net income (ytd only)* | 28.2623% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 1,923 |
| Loan loss allowance to noncurrent loans | 1,334.8095% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,012 |
| Noncurrent loans to loans | 0.0951% | 3,069 |
| Net loans and leases to total assets | 82.2900% | 404 |
| Net loans and leases to deposits | 94.7093% | 888 |
| Net loans and leases to core deposits | 156.5604% | 173 |
| Total domestic deposits to total assets | 86.8900% | 1,718 |
| Equity capital to assets | 9.7335% | 2,171 |
| Core capital (leverage) ratio | 10.2997% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2358% | 1,784 |
| Memoranda: | ||
| Average total assets | $1,167,664,200 | 871 |
| Average earning assets | $1,122,274,200 | 840 |
| Average equity | $114,336,600 | 863 |
| Average total loans | $966,825,200 | 750 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8639% | 636 |
| Cost of funding earning assets | 2.6699% | 204 |
| Net interest margin | 3.1940% | 2,931 |
| Noninterest income to average assets | 1.1000% | 555 |
| Noninterest expense to average assets | 2.6303% | 1,852 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0550% | 2,203 |
| Return on assets (ROA) | 1.0583% | 2,183 |
| Pretax return on assets | 1.4802% | 1,601 |
| Return on Equity (ROE) | 10.7900% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.2090% | 1,886 |
| Net charge-offs to loans | 0.0152% | 1,851 |
| Credit loss provision to net charge-offs | 321.1009% | 845 |
| Earnings coverage of net charge-offs (x) | 121.7982% | 833 |
| Efficiency ratio | 63.1509% | 2,599 |
| Assets per employee ($millions) | 8.6255% | 1,068 |
| Cash dividends to net income (ytd only)* | 23.9240% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,602 |
| Loan loss allowance to noncurrent loans | 1,203.3945% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 2,973 |
| Noncurrent loans to loans | 0.1135% | 3,008 |
| Net loans and leases to total assets | 79.0300% | 754 |
| Net loans and leases to deposits | 91.3913% | 1,106 |
| Net loans and leases to core deposits | 137.8454% | 246 |
| Total domestic deposits to total assets | 86.4700% | 2,049 |
| Equity capital to assets | 9.6183% | 2,028 |
| Core capital (leverage) ratio | 10.4390% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8817% | 1,597 |
| Memoranda: | ||
| Average total assets | $1,153,303,750 | 883 |
| Average earning assets | $1,108,289,250 | 852 |
| Average equity | $113,109,250 | 860 |
| Average total loans | $953,261,500 | 762 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7494% | 597 |
| Cost of funding earning assets | 2.4661% | 205 |
| Net interest margin | 3.2834% | 2,788 |
| Noninterest income to average assets | 1.1700% | 459 |
| Noninterest expense to average assets | 2.6680% | 1,726 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.1221% | 2,051 |
| Return on assets (ROA) | 1.1236% | 2,047 |
| Pretax return on assets | 1.5718% | 1,464 |
| Return on Equity (ROE) | 11.3800% | 2,334 |
| Retained earnings to average equity (ytd only) | 8.3579% | 1,857 |
| Net charge-offs to loans | -0.0749% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.6728% | 2,752 |
| Assets per employee ($millions) | 8.5017% | 1,091 |
| Cash dividends to net income (ytd only)* | 26.5561% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,498 |
| Loan loss allowance to noncurrent loans | 495.1513% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,003 |
| Noncurrent loans to loans | 0.2846% | 2,127 |
| Net loans and leases to total assets | 82.1700% | 405 |
| Net loans and leases to deposits | 95.0694% | 785 |
| Net loans and leases to core deposits | 145.6275% | 163 |
| Total domestic deposits to total assets | 86.4300% | 2,110 |
| Equity capital to assets | 9.9033% | 1,915 |
| Core capital (leverage) ratio | 10.6402% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7352% | 1,644 |
| Memoranda: | ||
| Average total assets | $1,138,090,333 | 880 |
| Average earning assets | $1,093,149,333 | 847 |
| Average equity | $112,373,000 | 862 |
| Average total loans | $950,802,333 | 746 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6528% | 482 |
| Cost of funding earning assets | 2.1639% | 211 |
| Net interest margin | 3.4889% | 2,395 |
| Noninterest income to average assets | 1.0700% | 522 |
| Noninterest expense to average assets | 2.6660% | 1,759 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2255% | 1,871 |
| Return on assets (ROA) | 1.2255% | 1,838 |
| Pretax return on assets | 1.6861% | 1,298 |
| Return on Equity (ROE) | 12.4300% | 2,109 |
| Retained earnings to average equity (ytd only) | 10.6624% | 1,544 |
| Net charge-offs to loans | -0.1021% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.2772% | 2,925 |
| Assets per employee ($millions) | 8.7435% | 1,036 |
| Cash dividends to net income (ytd only)* | 14.2238% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 1,659 |
| Loan loss allowance to noncurrent loans | 483.2366% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 1,907 |
| Noncurrent loans to loans | 0.2877% | 2,117 |
| Net loans and leases to total assets | 83.1100% | 290 |
| Net loans and leases to deposits | 95.8863% | 660 |
| Net loans and leases to core deposits | 153.2971% | 114 |
| Total domestic deposits to total assets | 86.6700% | 2,382 |
| Equity capital to assets | 9.9717% | 1,834 |
| Core capital (leverage) ratio | 10.5809% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,129,022,500 | 905 |
| Average earning assets | $1,085,612,000 | 866 |
| Average equity | $111,307,000 | 876 |
| Average total loans | $944,366,000 | 761 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 757 |
| Cost of funding earning assets | 0.5660% | 1,037 |
| Net interest margin | 3.9080% | 940 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 2.3952% | 2,438 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.6851% | 551 |
| Return on assets (ROA) | 1.6851% | 527 |
| Pretax return on assets | 2.3936% | 235 |
| Return on Equity (ROE) | 17.1900% | 833 |
| Retained earnings to average equity (ytd only) | 14.2597% | 356 |
| Net charge-offs to loans | 0.0183% | 1,733 |
| Credit loss provision to net charge-offs | 822.7848% | 486 |
| Earnings coverage of net charge-offs (x) | 169.6456% | 730 |
| Efficiency ratio | 48.7740% | 4,201 |
| Assets per employee ($millions) | 9.0435% | 904 |
| Cash dividends to net income (ytd only)* | 17.0426% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 1,557 |
| Loan loss allowance to noncurrent loans | 537.1715% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 2,090 |
| Noncurrent loans to loans | 0.2575% | 2,240 |
| Net loans and leases to total assets | 81.8500% | 422 |
| Net loans and leases to deposits | 93.9524% | 787 |
| Net loans and leases to core deposits | 135.9667% | 170 |
| Total domestic deposits to total assets | 87.1200% | 2,361 |
| Equity capital to assets | 9.7220% | 1,874 |
| Core capital (leverage) ratio | 10.7044% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2121% | 1,890 |
| Memoranda: | ||
| Average total assets | $1,065,504,200 | 929 |
| Average earning assets | $1,027,872,400 | 885 |
| Average equity | $104,455,400 | 918 |
| Average total loans | $861,381,400 | 776 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 852 |
| Cost of funding earning assets | 0.3642% | 1,575 |
| Net interest margin | 3.8578% | 872 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 2.3466% | 2,488 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.6746% | 566 |
| Return on assets (ROA) | 1.6746% | 550 |
| Pretax return on assets | 2.3948% | 238 |
| Return on Equity (ROE) | 17.0400% | 783 |
| Retained earnings to average equity (ytd only) | 15.0747% | 361 |
| Net charge-offs to loans | -0.0130% | 3,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.8291% | 4,284 |
| Assets per employee ($millions) | 9.5180% | 754 |
| Cash dividends to net income (ytd only)* | 11.5545% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,381 |
| Loan loss allowance to noncurrent loans | 521.0965% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2300% | 2,081 |
| Noncurrent loans to loans | 0.2821% | 2,245 |
| Net loans and leases to total assets | 80.3100% | 506 |
| Net loans and leases to deposits | 89.7582% | 905 |
| Net loans and leases to core deposits | 109.7826% | 478 |
| Total domestic deposits to total assets | 89.4700% | 1,884 |
| Equity capital to assets | 9.6241% | 1,812 |
| Core capital (leverage) ratio | 10.3124% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,051,531,750 | 941 |
| Average earning assets | $1,015,821,500 | 903 |
| Average equity | $103,313,750 | 935 |
| Average total loans | $844,039,750 | 788 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 1,062 |
| Cost of funding earning assets | 0.2691% | 2,040 |
| Net interest margin | 3.6582% | 980 |
| Noninterest income to average assets | 1.3056% | 424 |
| Noninterest expense to average assets | 2.2324% | 2,757 |
| Loan and lease loss provision to assets | 0.1928% | 449 |
| Net operating income to assets | 1.7033% | 428 |
| Return on assets (ROA) | 1.7033% | 418 |
| Pretax return on assets | 2.4198% | 186 |
| Return on Equity (ROE) | 17.2121% | 545 |
| Retained earnings to average equity (ytd only) | 14.2346% | 335 |
| Net charge-offs to loans | -0.0068% | 3,444 |
| Credit loss provision to net charge-offs | -3,571.4286% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0758% | 4,447 |
| Assets per employee ($millions) | 9.8331% | 697 |
| Cash dividends to net income (ytd only)* | 17.2988% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,535 |
| Loan loss allowance to noncurrent loans | 470.2284% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 2,064 |
| Noncurrent loans to loans | 0.3097% | 2,226 |
| Net loans and leases to total assets | 79.8413% | 419 |
| Net loans and leases to deposits | 88.8909% | 780 |
| Net loans and leases to core deposits | 108.5536% | 380 |
| Total domestic deposits to total assets | 89.8195% | 1,788 |
| Equity capital to assets | 9.5532% | 1,975 |
| Core capital (leverage) ratio | 10.2392% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8573% | 2,119 |
| Memoranda: | ||
| Average total assets | $1,037,184,667 | 943 |
| Average earning assets | $1,003,485,333 | 911 |
| Average equity | $102,637,333 | 953 |
| Average total loans | $828,005,000 | 787 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 1,114 |
| Cost of funding earning assets | 0.2415% | 2,252 |
| Net interest margin | 3.5418% | 1,003 |
| Noninterest income to average assets | 1.4208% | 376 |
| Noninterest expense to average assets | 2.1885% | 2,874 |
| Loan and lease loss provision to assets | 0.2365% | 284 |
| Net operating income to assets | 1.7100% | 404 |
| Return on assets (ROA) | 1.7100% | 407 |
| Pretax return on assets | 2.4289% | 198 |
| Return on Equity (ROE) | 16.9674% | 428 |
| Retained earnings to average equity (ytd only) | 16.9674% | 182 |
| Net charge-offs to loans | -0.0403% | 4,187 |
| Credit loss provision to net charge-offs | -740.7407% | 3,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0877% | 4,527 |
| Assets per employee ($millions) | 9.6512% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,591 |
| Loan loss allowance to noncurrent loans | 431.8261% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 2,053 |
| Noncurrent loans to loans | 0.3443% | 2,249 |
| Net loans and leases to total assets | 77.4894% | 416 |
| Net loans and leases to deposits | 86.4792% | 707 |
| Net loans and leases to core deposits | 102.9982% | 423 |
| Total domestic deposits to total assets | 89.6046% | 1,763 |
| Equity capital to assets | 9.6746% | 2,156 |
| Core capital (leverage) ratio | 10.4658% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7951% | 2,307 |
| Memoranda: | ||
| Average total assets | $1,014,956,500 | 967 |
| Average earning assets | $983,785,000 | 932 |
| Average equity | $102,290,500 | 973 |
| Average total loans | $803,828,500 | 798 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7375% | 2,013 |
| Cost of funding earning assets | 0.2895% | 2,511 |
| Net interest margin | 3.4480% | 1,882 |
| Noninterest income to average assets | 2.0702% | 300 |
| Noninterest expense to average assets | 2.4468% | 2,345 |
| Loan and lease loss provision to assets | 0.3365% | 228 |
| Net operating income to assets | 1.8426% | 464 |
| Return on assets (ROA) | 1.8426% | 487 |
| Pretax return on assets | 2.6168% | 222 |
| Return on Equity (ROE) | 17.4568% | 523 |
| Retained earnings to average equity (ytd only) | 15.8350% | 183 |
| Net charge-offs to loans | 0.0946% | 886 |
| Credit loss provision to net charge-offs | 478.4689% | 821 |
| Earnings coverage of net charge-offs (x) | 41.9904% | 1,408 |
| Efficiency ratio | 45.3095% | 4,529 |
| Assets per employee ($millions) | 9.0383% | 907 |
| Cash dividends to net income (ytd only)* | 9.2901% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,487 |
| Loan loss allowance to noncurrent loans | 1,061.9005% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 3,132 |
| Noncurrent loans to loans | 0.1430% | 3,222 |
| Net loans and leases to total assets | 78.6744% | 343 |
| Net loans and leases to deposits | 88.7696% | 620 |
| Net loans and leases to core deposits | 101.2858% | 483 |
| Total domestic deposits to total assets | 88.6276% | 1,715 |
| Equity capital to assets | 10.4826% | 2,196 |
| Core capital (leverage) ratio | 10.4628% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2549% | 2,144 |
| Memoranda: | ||
| Average total assets | $891,462,200 | 1,052 |
| Average earning assets | $860,922,200 | 1,022 |
| Average equity | $94,095,200 | 1,062 |
| Average total loans | $663,050,600 | 919 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 2,552 |
| Cost of funding earning assets | 0.3022% | 2,572 |
| Net interest margin | 3.3001% | 2,413 |
| Noninterest income to average assets | 2.1440% | 314 |
| Noninterest expense to average assets | 2.3977% | 2,449 |
| Loan and lease loss provision to assets | 0.4126% | 150 |
| Net operating income to assets | 1.7718% | 704 |
| Return on assets (ROA) | 1.7718% | 739 |
| Pretax return on assets | 2.5159% | 332 |
| Return on Equity (ROE) | 16.7539% | 808 |
| Retained earnings to average equity (ytd only) | 15.7208% | 316 |
| Net charge-offs to loans | 0.0654% | 988 |
| Credit loss provision to net charge-offs | 865.3846% | 556 |
| Earnings coverage of net charge-offs (x) | 61.4263% | 1,124 |
| Efficiency ratio | 45.0166% | 4,542 |
| Assets per employee ($millions) | 9.8166% | 675 |
| Cash dividends to net income (ytd only)* | 6.1665% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 1,188 |
| Loan loss allowance to noncurrent loans | 803.6252% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 3,128 |
| Noncurrent loans to loans | 0.2071% | 3,121 |
| Net loans and leases to total assets | 70.0101% | 1,072 |
| Net loans and leases to deposits | 78.2888% | 1,457 |
| Net loans and leases to core deposits | 90.7792% | 992 |
| Total domestic deposits to total assets | 89.4254% | 1,053 |
| Equity capital to assets | 9.8483% | 3,055 |
| Core capital (leverage) ratio | 10.5174% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1114% | 1,927 |
| Memoranda: | ||
| Average total assets | $872,553,000 | 1,081 |
| Average earning assets | $841,365,500 | 1,053 |
| Average equity | $92,274,750 | 1,092 |
| Average total loans | $635,665,000 | 966 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6264% | 2,546 |
| Cost of funding earning assets | 0.3243% | 2,551 |
| Net interest margin | 3.3021% | 2,429 |
| Noninterest income to average assets | 1.9368% | 347 |
| Noninterest expense to average assets | 2.2629% | 2,870 |
| Loan and lease loss provision to assets | 0.4322% | 132 |
| Net operating income to assets | 1.7077% | 858 |
| Return on assets (ROA) | 1.7077% | 912 |
| Pretax return on assets | 2.4250% | 399 |
| Return on Equity (ROE) | 15.7197% | 1,012 |
| Retained earnings to average equity (ytd only) | 14.1393% | 525 |
| Net charge-offs to loans | -0.0088% | 3,625 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1964% | 4,603 |
| Assets per employee ($millions) | 8.8981% | 891 |
| Cash dividends to net income (ytd only)* | 10.0534% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7791% | 918 |
| Loan loss allowance to noncurrent loans | 575.8106% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,817 |
| Noncurrent loans to loans | 0.3090% | 2,819 |
| Net loans and leases to total assets | 70.8317% | 1,108 |
| Net loans and leases to deposits | 80.0993% | 1,415 |
| Net loans and leases to core deposits | 94.6979% | 871 |
| Total domestic deposits to total assets | 88.4299% | 1,605 |
| Equity capital to assets | 10.7501% | 2,188 |
| Core capital (leverage) ratio | 10.8234% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5631% | 1,453 |
| Memoranda: | ||
| Average total assets | $832,913,000 | 1,118 |
| Average earning assets | $802,941,000 | 1,087 |
| Average equity | $90,485,333 | 1,103 |
| Average total loans | $612,260,000 | 1,009 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 2,439 |
| Cost of funding earning assets | 0.3484% | 2,533 |
| Net interest margin | 3.3209% | 2,331 |
| Noninterest income to average assets | 1.1188% | 956 |
| Noninterest expense to average assets | 2.0335% | 3,612 |
| Loan and lease loss provision to assets | 0.4426% | 159 |
| Net operating income to assets | 1.2983% | 1,834 |
| Return on assets (ROA) | 1.2983% | 1,908 |
| Pretax return on assets | 1.8442% | 1,207 |
| Return on Equity (ROE) | 11.8843% | 2,059 |
| Retained earnings to average equity (ytd only) | 11.8843% | 1,177 |
| Net charge-offs to loans | 0.0636% | 897 |
| Credit loss provision to net charge-offs | 937.5000% | 430 |
| Earnings coverage of net charge-offs (x) | 48.4375% | 913 |
| Efficiency ratio | 47.0689% | 4,400 |
| Assets per employee ($millions) | 8.8633% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,153 |
| Loan loss allowance to noncurrent loans | 600.0590% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 3,181 |
| Noncurrent loans to loans | 0.2761% | 3,110 |
| Net loans and leases to total assets | 70.1860% | 1,264 |
| Net loans and leases to deposits | 79.7025% | 1,548 |
| Net loans and leases to core deposits | 94.6147% | 942 |
| Total domestic deposits to total assets | 88.0599% | 1,822 |
| Equity capital to assets | 10.4888% | 2,282 |
| Core capital (leverage) ratio | 11.0283% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2077% | 1,245 |
| Memoranda: | ||
| Average total assets | $813,361,500 | 1,124 |
| Average earning assets | $784,127,000 | 1,099 |
| Average equity | $88,856,500 | 1,106 |
| Average total loans | $603,964,000 | 1,021 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 2,275 |
| Cost of funding earning assets | 0.7822% | 1,287 |
| Net interest margin | 3.3686% | 2,868 |
| Noninterest income to average assets | 0.9867% | 1,068 |
| Noninterest expense to average assets | 2.3710% | 3,203 |
| Loan and lease loss provision to assets | 0.6741% | 253 |
| Net operating income to assets | 0.8150% | 3,031 |
| Return on assets (ROA) | 0.8150% | 3,155 |
| Pretax return on assets | 1.1620% | 2,467 |
| Return on Equity (ROE) | 7.5879% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.5879% | 1,174 |
| Net charge-offs to loans | 0.0577% | 1,956 |
| Credit loss provision to net charge-offs | 1,532.7586% | 542 |
| Earnings coverage of net charge-offs (x) | 41.7483% | 1,348 |
| Efficiency ratio | 56.3570% | 3,943 |
| Assets per employee ($millions) | 8.7158% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 1,366 |
| Loan loss allowance to noncurrent loans | 509.0266% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 3,092 |
| Noncurrent loans to loans | 0.3094% | 3,100 |
| Net loans and leases to total assets | 76.2709% | 754 |
| Net loans and leases to deposits | 87.5357% | 1,131 |
| Net loans and leases to core deposits | 106.8733% | 611 |
| Total domestic deposits to total assets | 87.1312% | 1,872 |
| Equity capital to assets | 11.4131% | 1,952 |
| Core capital (leverage) ratio | 11.3722% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7035% | 1,341 |
| Memoranda: | ||
| Average total assets | $659,386,600 | 1,236 |
| Average earning assets | $630,386,200 | 1,213 |
| Average equity | $70,823,000 | 1,284 |
| Average total loans | $502,381,400 | 1,135 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2716% | 2,184 |
| Cost of funding earning assets | 0.8983% | 1,076 |
| Net interest margin | 3.3733% | 2,993 |
| Noninterest income to average assets | 0.8249% | 1,407 |
| Noninterest expense to average assets | 2.2703% | 3,496 |
| Loan and lease loss provision to assets | 0.6503% | 366 |
| Net operating income to assets | 0.7880% | 3,139 |
| Return on assets (ROA) | 0.7880% | 3,255 |
| Pretax return on assets | 1.1236% | 2,667 |
| Return on Equity (ROE) | 7.4783% | 3,022 |
| Retained earnings to average equity (ytd only) | 7.4783% | 1,503 |
| Net charge-offs to loans | 0.0156% | 2,570 |
| Credit loss provision to net charge-offs | 5,508.9286% | 201 |
| Earnings coverage of net charge-offs (x) | 150.2679% | 598 |
| Efficiency ratio | 56.1376% | 3,906 |
| Assets per employee ($millions) | 8.2433% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4149% | 1,671 |
| Loan loss allowance to noncurrent loans | 391.7697% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 3,019 |
| Noncurrent loans to loans | 0.3612% | 2,989 |
| Net loans and leases to total assets | 78.2079% | 805 |
| Net loans and leases to deposits | 89.3994% | 1,330 |
| Net loans and leases to core deposits | 112.7917% | 600 |
| Total domestic deposits to total assets | 87.4815% | 1,462 |
| Equity capital to assets | 9.6641% | 3,544 |
| Core capital (leverage) ratio | 10.2256% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0726% | 2,167 |
| Memoranda: | ||
| Average total assets | $632,486,500 | 1,266 |
| Average earning assets | $603,628,500 | 1,239 |
| Average equity | $66,644,500 | 1,332 |
| Average total loans | $479,389,500 | 1,176 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 1,911 |
| Cost of funding earning assets | 1.0719% | 788 |
| Net interest margin | 3.4287% | 3,011 |
| Noninterest income to average assets | 0.5986% | 2,134 |
| Noninterest expense to average assets | 2.2974% | 3,521 |
| Loan and lease loss provision to assets | 0.5428% | 621 |
| Net operating income to assets | 0.7232% | 3,308 |
| Return on assets (ROA) | 0.7232% | 3,416 |
| Pretax return on assets | 1.0321% | 2,923 |
| Return on Equity (ROE) | 6.6385% | 3,273 |
| Retained earnings to average equity (ytd only) | 6.6385% | 1,804 |
| Net charge-offs to loans | -0.0166% | 4,354 |
| Credit loss provision to net charge-offs | -4,391.8919% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3289% | 3,512 |
| Assets per employee ($millions) | 8.4206% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 1,937 |
| Loan loss allowance to noncurrent loans | 853.1677% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 3,927 |
| Noncurrent loans to loans | 0.1539% | 3,842 |
| Net loans and leases to total assets | 77.5919% | 907 |
| Net loans and leases to deposits | 89.1651% | 1,431 |
| Net loans and leases to core deposits | 112.7559% | 640 |
| Total domestic deposits to total assets | 87.0206% | 1,606 |
| Equity capital to assets | 10.4217% | 2,819 |
| Core capital (leverage) ratio | 10.8289% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0016% | 1,818 |
| Memoranda: | ||
| Average total assets | $598,763,333 | 1,297 |
| Average earning assets | $571,697,000 | 1,261 |
| Average equity | $65,225,667 | 1,346 |
| Average total loans | $445,182,000 | 1,216 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 816 |
| Cost of funding earning assets | 1.3470% | 490 |
| Net interest margin | 3.7394% | 2,179 |
| Noninterest income to average assets | 0.6988% | 1,654 |
| Noninterest expense to average assets | 2.9134% | 2,086 |
| Loan and lease loss provision to assets | 0.3183% | 973 |
| Net operating income to assets | 0.7250% | 3,186 |
| Return on assets (ROA) | 0.7250% | 3,273 |
| Pretax return on assets | 1.0348% | 2,721 |
| Return on Equity (ROE) | 6.4900% | 3,134 |
| Retained earnings to average equity (ytd only) | 6.4900% | 1,714 |
| Net charge-offs to loans | -0.0010% | 3,604 |
| Credit loss provision to net charge-offs | -45,000.0000% | 4,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2858% | 2,622 |
| Assets per employee ($millions) | 6.1976% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,907 |
| Loan loss allowance to noncurrent loans | 610.9071% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 3,870 |
| Noncurrent loans to loans | 0.2211% | 3,692 |
| Net loans and leases to total assets | 70.1814% | 2,221 |
| Net loans and leases to deposits | 80.4362% | 2,635 |
| Net loans and leases to core deposits | 102.5340% | 1,280 |
| Total domestic deposits to total assets | 87.2509% | 1,448 |
| Equity capital to assets | 11.5814% | 2,371 |
| Core capital (leverage) ratio | 11.6454% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9100% | 1,625 |
| Memoranda: | ||
| Average total assets | $565,530,500 | 1,321 |
| Average earning assets | $539,558,500 | 1,292 |
| Average equity | $63,174,500 | 1,369 |
| Average total loans | $406,257,000 | 1,283 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5418% | 523 |
| Cost of funding earning assets | 1.4727% | 431 |
| Net interest margin | 4.0691% | 1,626 |
| Noninterest income to average assets | 1.1309% | 733 |
| Noninterest expense to average assets | 3.0551% | 1,860 |
| Loan and lease loss provision to assets | 0.3281% | 485 |
| Net operating income to assets | 1.1089% | 2,409 |
| Return on assets (ROA) | 1.1089% | 2,502 |
| Pretax return on assets | 1.5934% | 1,503 |
| Return on Equity (ROE) | 9.4833% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.4833% | 593 |
| Net charge-offs to loans | 0.0722% | 2,063 |
| Credit loss provision to net charge-offs | 640.4959% | 487 |
| Earnings coverage of net charge-offs (x) | 37.5124% | 1,373 |
| Efficiency ratio | 61.3899% | 3,478 |
| Assets per employee ($millions) | 6.3057% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 1,824 |
| Loan loss allowance to noncurrent loans | 559.1837% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 3,793 |
| Noncurrent loans to loans | 0.2365% | 3,601 |
| Net loans and leases to total assets | 71.6302% | 2,146 |
| Net loans and leases to deposits | 81.4037% | 2,628 |
| Net loans and leases to core deposits | 107.7655% | 988 |
| Total domestic deposits to total assets | 87.9938% | 1,129 |
| Equity capital to assets | 10.7251% | 3,240 |
| Core capital (leverage) ratio | 10.8925% | 2,597 |
| Tier 1 risk-based capital ratio | 13.6206% | 3,451 |
| Total risk-based capital ratio | 14.8713% | 3,360 |
| Memoranda: | ||
| Average total assets | $472,454,200 | 1,488 |
| Average earning assets | $446,514,200 | 1,465 |
| Average equity | $55,244,200 | 1,467 |
| Average total loans | $335,156,400 | 1,481 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5379% | 555 |
| Cost of funding earning assets | 1.4904% | 420 |
| Net interest margin | 4.0475% | 1,778 |
| Noninterest income to average assets | 1.1695% | 667 |
| Noninterest expense to average assets | 3.1170% | 1,676 |
| Loan and lease loss provision to assets | 0.3516% | 387 |
| Net operating income to assets | 1.0532% | 2,775 |
| Return on assets (ROA) | 1.0532% | 2,861 |
| Pretax return on assets | 1.5223% | 1,896 |
| Return on Equity (ROE) | 8.7900% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.7900% | 1,104 |
| Net charge-offs to loans | 0.1148% | 1,332 |
| Credit loss provision to net charge-offs | 434.7826% | 708 |
| Earnings coverage of net charge-offs (x) | 23.1703% | 1,842 |
| Efficiency ratio | 62.4530% | 3,255 |
| Assets per employee ($millions) | 6.3406% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,160 |
| Loan loss allowance to noncurrent loans | 2,263.8498% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 4,503 |
| Noncurrent loans to loans | 0.0557% | 4,386 |
| Net loans and leases to total assets | 74.3757% | 1,735 |
| Net loans and leases to deposits | 85.3361% | 2,280 |
| Net loans and leases to core deposits | 113.9087% | 759 |
| Total domestic deposits to total assets | 87.1562% | 1,445 |
| Equity capital to assets | 11.1405% | 2,975 |
| Core capital (leverage) ratio | 11.1918% | 2,475 |
| Tier 1 risk-based capital ratio | 13.7664% | 3,438 |
| Total risk-based capital ratio | 15.0165% | 3,349 |
| Memoranda: | ||
| Average total assets | $454,995,750 | 1,547 |
| Average earning assets | $429,587,000 | 1,521 |
| Average equity | $54,515,000 | 1,482 |
| Average total loans | $320,533,500 | 1,539 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 612 |
| Cost of funding earning assets | 1.4639% | 429 |
| Net interest margin | 3.9952% | 1,938 |
| Noninterest income to average assets | 1.0247% | 832 |
| Noninterest expense to average assets | 3.1510% | 1,612 |
| Loan and lease loss provision to assets | 0.2742% | 543 |
| Net operating income to assets | 0.9374% | 3,141 |
| Return on assets (ROA) | 0.9374% | 3,205 |
| Pretax return on assets | 1.3716% | 2,300 |
| Return on Equity (ROE) | 7.6175% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.6175% | 1,553 |
| Net charge-offs to loans | 0.1433% | 1,077 |
| Credit loss provision to net charge-offs | 279.0698% | 939 |
| Earnings coverage of net charge-offs (x) | 16.7488% | 1,918 |
| Efficiency ratio | 65.6884% | 2,854 |
| Assets per employee ($millions) | 6.1443% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 1,933 |
| Loan loss allowance to noncurrent loans | 890.2287% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 4,248 |
| Noncurrent loans to loans | 0.1480% | 4,020 |
| Net loans and leases to total assets | 67.7730% | 2,851 |
| Net loans and leases to deposits | 78.1528% | 3,141 |
| Net loans and leases to core deposits | 109.6933% | 992 |
| Total domestic deposits to total assets | 86.7185% | 1,718 |
| Equity capital to assets | 11.6170% | 2,507 |
| Core capital (leverage) ratio | 11.6379% | 2,068 |
| Tier 1 risk-based capital ratio | 15.7241% | 2,537 |
| Total risk-based capital ratio | 16.9747% | 2,474 |
| Memoranda: | ||
| Average total assets | $437,578,330 | 1,600 |
| Average earning assets | $413,146,000 | 1,582 |
| Average equity | $53,850,000 | 1,492 |
| Average total loans | $300,014,330 | 1,624 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5312% | 496 |
| Cost of funding earning assets | 1.3833% | 485 |
| Net interest margin | 4.1479% | 1,430 |
| Noninterest income to average assets | 0.9966% | 817 |
| Noninterest expense to average assets | 3.3148% | 1,258 |
| Loan and lease loss provision to assets | 0.2858% | 470 |
| Net operating income to assets | 0.8871% | 3,283 |
| Return on assets (ROA) | 0.8871% | 3,336 |
| Pretax return on assets | 1.3072% | 2,428 |
| Return on Equity (ROE) | 6.9876% | 3,687 |
| Retained earnings to average equity (ytd only) | 6.9876% | 2,049 |
| Net charge-offs to loans | 0.2017% | 695 |
| Credit loss provision to net charge-offs | 206.8966% | 1,032 |
| Earnings coverage of net charge-offs (x) | 11.5310% | 1,901 |
| Efficiency ratio | 67.5403% | 2,706 |
| Assets per employee ($millions) | 5.9309% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 1,601 |
| Loan loss allowance to noncurrent loans | 791.6016% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 4,240 |
| Noncurrent loans to loans | 0.1793% | 3,953 |
| Net loans and leases to total assets | 62.4598% | 3,459 |
| Net loans and leases to deposits | 72.4123% | 3,574 |
| Net loans and leases to core deposits | 99.7912% | 1,643 |
| Total domestic deposits to total assets | 86.2559% | 2,163 |
| Equity capital to assets | 11.9274% | 2,073 |
| Core capital (leverage) ratio | 12.6583% | 1,431 |
| Tier 1 risk-based capital ratio | 16.4594% | 2,282 |
| Total risk-based capital ratio | 17.7104% | 2,227 |
| Memoranda: | ||
| Average total assets | $419,813,000 | 1,689 |
| Average earning assets | $395,863,500 | 1,654 |
| Average equity | $53,294,500 | 1,493 |
| Average total loans | $287,560,500 | 1,682 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3148% | 566 |
| Cost of funding earning assets | 1.0281% | 673 |
| Net interest margin | 4.2867% | 1,188 |
| Noninterest income to average assets | 1.3762% | 481 |
| Noninterest expense to average assets | 3.4813% | 1,013 |
| Loan and lease loss provision to assets | 0.2724% | 621 |
| Net operating income to assets | 1.0925% | 2,635 |
| Return on assets (ROA) | 1.0925% | 2,626 |
| Pretax return on assets | 1.6517% | 1,309 |
| Return on Equity (ROE) | 7.5809% | 3,627 |
| Retained earnings to average equity (ytd only) | 7.5809% | 1,425 |
| Net charge-offs to loans | 0.1517% | 1,262 |
| Credit loss provision to net charge-offs | 253.2982% | 1,178 |
| Earnings coverage of net charge-offs (x) | 17.8945% | 2,166 |
| Efficiency ratio | 64.4046% | 3,131 |
| Assets per employee ($millions) | 5.4043% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 1,842 |
| Loan loss allowance to noncurrent loans | 1,348.7889% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 4,449 |
| Noncurrent loans to loans | 0.0998% | 4,282 |
| Net loans and leases to total assets | 73.4062% | 2,028 |
| Net loans and leases to deposits | 85.8274% | 2,293 |
| Net loans and leases to core deposits | 117.0101% | 651 |
| Total domestic deposits to total assets | 85.5277% | 2,428 |
| Equity capital to assets | 13.5291% | 1,138 |
| Core capital (leverage) ratio | 12.7440% | 1,348 |
| Tier 1 risk-based capital ratio | 16.6751% | 2,177 |
| Total risk-based capital ratio | 17.9261% | 2,126 |
| Memoranda: | ||
| Average total assets | $352,486,000 | 1,911 |
| Average earning assets | $331,300,800 | 1,882 |
| Average equity | $50,798,800 | 1,498 |
| Average total loans | $249,859,000 | 1,824 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 639 |
| Cost of funding earning assets | 0.9203% | 841 |
| Net interest margin | 4.2728% | 1,176 |
| Noninterest income to average assets | 1.4730% | 437 |
| Noninterest expense to average assets | 3.4792% | 1,008 |
| Loan and lease loss provision to assets | 0.2563% | 607 |
| Net operating income to assets | 1.1736% | 2,347 |
| Return on assets (ROA) | 1.1736% | 2,353 |
| Pretax return on assets | 1.7510% | 1,137 |
| Return on Equity (ROE) | 8.0044% | 3,548 |
| Retained earnings to average equity (ytd only) | 8.0044% | 1,655 |
| Net charge-offs to loans | 0.1161% | 1,346 |
| Credit loss provision to net charge-offs | 315.7895% | 978 |
| Earnings coverage of net charge-offs (x) | 24.7320% | 1,803 |
| Efficiency ratio | 63.4131% | 3,276 |
| Assets per employee ($millions) | 5.3729% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 1,568 |
| Loan loss allowance to noncurrent loans | 768.9796% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 4,296 |
| Noncurrent loans to loans | 0.1868% | 4,048 |
| Net loans and leases to total assets | 69.7323% | 2,689 |
| Net loans and leases to deposits | 81.9100% | 2,828 |
| Net loans and leases to core deposits | 109.8913% | 1,040 |
| Total domestic deposits to total assets | 85.1328% | 2,557 |
| Equity capital to assets | 13.9741% | 969 |
| Core capital (leverage) ratio | 13.8131% | 992 |
| Tier 1 risk-based capital ratio | 18.0174% | 1,786 |
| Total risk-based capital ratio | 19.2697% | 1,744 |
| Memoranda: | ||
| Average total assets | $343,330,000 | 1,949 |
| Average earning assets | $322,497,750 | 1,928 |
| Average equity | $50,337,750 | 1,511 |
| Average total loans | $239,941,500 | 1,890 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 712 |
| Cost of funding earning assets | 0.8390% | 971 |
| Net interest margin | 4.2236% | 1,227 |
| Noninterest income to average assets | 1.6427% | 371 |
| Noninterest expense to average assets | 3.5482% | 931 |
| Loan and lease loss provision to assets | 0.2454% | 629 |
| Net operating income to assets | 1.2280% | 2,071 |
| Return on assets (ROA) | 1.2280% | 2,072 |
| Pretax return on assets | 1.8109% | 936 |
| Return on Equity (ROE) | 8.2330% | 3,403 |
| Retained earnings to average equity (ytd only) | 8.2330% | 1,528 |
| Net charge-offs to loans | -0.0034% | 4,032 |
| Credit loss provision to net charge-offs | -10,250.0000% | 4,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3102% | 3,413 |
| Assets per employee ($millions) | 5.4278% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 1,438 |
| Loan loss allowance to noncurrent loans | 613.6513% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 4,109 |
| Noncurrent loans to loans | 0.2424% | 3,835 |
| Net loans and leases to total assets | 71.1346% | 2,417 |
| Net loans and leases to deposits | 84.0888% | 2,526 |
| Net loans and leases to core deposits | 107.7081% | 1,135 |
| Total domestic deposits to total assets | 84.5946% | 2,841 |
| Equity capital to assets | 14.6316% | 775 |
| Core capital (leverage) ratio | 14.6990% | 737 |
| Tier 1 risk-based capital ratio | 18.2827% | 1,731 |
| Total risk-based capital ratio | 19.5355% | 1,689 |
| Memoranda: | ||
| Average total assets | $334,197,330 | 1,990 |
| Average earning assets | $313,473,330 | 1,970 |
| Average equity | $49,848,330 | 1,529 |
| Average total loans | $232,493,670 | 1,937 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 1,311 |
| Cost of funding earning assets | 0.7871% | 1,007 |
| Net interest margin | 3.9110% | 2,004 |
| Noninterest income to average assets | 2.0647% | 263 |
| Noninterest expense to average assets | 3.5274% | 954 |
| Loan and lease loss provision to assets | 0.1221% | 1,547 |
| Net operating income to assets | 1.4554% | 1,182 |
| Return on assets (ROA) | 1.4554% | 1,187 |
| Pretax return on assets | 2.0793% | 490 |
| Return on Equity (ROE) | 9.6598% | 2,605 |
| Retained earnings to average equity (ytd only) | 9.6598% | 1,268 |
| Net charge-offs to loans | -0.0036% | 3,908 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5729% | 3,863 |
| Assets per employee ($millions) | 5.4080% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 1,474 |
| Loan loss allowance to noncurrent loans | 1,899.4444% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,824 |
| Noncurrent loans to loans | 0.0789% | 4,628 |
| Net loans and leases to total assets | 68.1246% | 2,755 |
| Net loans and leases to deposits | 81.1839% | 2,672 |
| Net loans and leases to core deposits | 101.1828% | 1,598 |
| Total domestic deposits to total assets | 83.9139% | 3,359 |
| Equity capital to assets | 15.1442% | 638 |
| Core capital (leverage) ratio | 14.7148% | 707 |
| Tier 1 risk-based capital ratio | 20.1857% | 1,313 |
| Total risk-based capital ratio | 21.4383% | 1,282 |
| Memoranda: | ||
| Average total assets | $327,607,000 | 2,031 |
| Average earning assets | $306,932,000 | 2,014 |
| Average equity | $49,359,000 | 1,552 |
| Average total loans | $223,322,000 | 2,011 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6355% | 1,344 |
| Cost of funding earning assets | 0.6842% | 1,116 |
| Net interest margin | 3.9513% | 1,911 |
| Noninterest income to average assets | 2.7305% | 196 |
| Noninterest expense to average assets | 3.8695% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.6046% | 106 |
| Return on assets (ROA) | 2.6046% | 106 |
| Pretax return on assets | 2.5789% | 158 |
| Return on Equity (ROE) | 15.5797% | 534 |
| Retained earnings to average equity (ytd only) | 15.5797% | 76 |
| Net charge-offs to loans | -0.0239% | 5,002 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0072% | 4,264 |
| Assets per employee ($millions) | 5.4221% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 1,348 |
| Loan loss allowance to noncurrent loans | 1,755.0265% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,841 |
| Noncurrent loans to loans | 0.0865% | 4,614 |
| Net loans and leases to total assets | 66.1407% | 3,086 |
| Net loans and leases to deposits | 79.9623% | 2,925 |
| Net loans and leases to core deposits | 99.5241% | 1,751 |
| Total domestic deposits to total assets | 82.7149% | 3,657 |
| Equity capital to assets | 14.9877% | 679 |
| Core capital (leverage) ratio | 16.0978% | 464 |
| Tier 1 risk-based capital ratio | 20.4325% | 1,242 |
| Total risk-based capital ratio | 21.6879% | 1,211 |
| Memoranda: | ||
| Average total assets | $257,239,400 | 2,441 |
| Average earning assets | $242,047,400 | 2,410 |
| Average equity | $43,004,600 | 1,729 |
| Average total loans | $179,978,800 | 2,330 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 1,341 |
| Cost of funding earning assets | 0.6679% | 1,134 |
| Net interest margin | 3.9420% | 1,885 |
| Noninterest income to average assets | 2.9206% | 191 |
| Noninterest expense to average assets | 3.9635% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 3.4523% | 62 |
| Return on assets (ROA) | 3.4523% | 62 |
| Pretax return on assets | 2.6819% | 158 |
| Return on Equity (ROE) | 19.9517% | 227 |
| Retained earnings to average equity (ytd only) | 19.9517% | 52 |
| Net charge-offs to loans | -0.0321% | 5,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6425% | 4,273 |
| Assets per employee ($millions) | 5.0911% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 1,244 |
| Loan loss allowance to noncurrent loans | 1,674.2424% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 4,881 |
| Noncurrent loans to loans | 0.0955% | 4,684 |
| Net loans and leases to total assets | 72.8503% | 2,121 |
| Net loans and leases to deposits | 88.3053% | 2,014 |
| Net loans and leases to core deposits | 116.0658% | 747 |
| Total domestic deposits to total assets | 82.4981% | 3,629 |
| Equity capital to assets | 17.2380% | 405 |
| Core capital (leverage) ratio | 17.3674% | 351 |
| Tier 1 risk-based capital ratio | 22.0504% | 1,040 |
| Total risk-based capital ratio | 23.3052% | 1,023 |
| Memoranda: | ||
| Average total assets | $240,217,750 | 2,580 |
| Average earning assets | $226,985,000 | 2,549 |
| Average equity | $41,566,000 | 1,811 |
| Average total loans | $170,351,000 | 2,432 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 1,557 |
| Cost of funding earning assets | 0.6285% | 1,277 |
| Net interest margin | 3.8559% | 2,076 |
| Noninterest income to average assets | 3.0085% | 184 |
| Noninterest expense to average assets | 3.7981% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 4.7569% | 46 |
| Return on assets (ROA) | 4.7569% | 45 |
| Pretax return on assets | 2.8596% | 129 |
| Return on Equity (ROE) | 27.4484% | 54 |
| Retained earnings to average equity (ytd only) | 27.4484% | 23 |
| Net charge-offs to loans | -0.0468% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0483% | 4,702 |
| Assets per employee ($millions) | 4.9770% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8582% | 780 |
| Loan loss allowance to noncurrent loans | 1,623.0392% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,892 |
| Noncurrent loans to loans | 0.1145% | 4,662 |
| Net loans and leases to total assets | 66.2951% | 3,059 |
| Net loans and leases to deposits | 81.2151% | 2,778 |
| Net loans and leases to core deposits | 103.6899% | 1,379 |
| Total domestic deposits to total assets | 81.6291% | 4,006 |
| Equity capital to assets | 17.8189% | 338 |
| Core capital (leverage) ratio | 19.3253% | 227 |
| Tier 1 risk-based capital ratio | 24.5355% | 803 |
| Total risk-based capital ratio | 25.7932% | 775 |
| Memoranda: | ||
| Average total assets | $226,953,670 | 2,707 |
| Average earning assets | $214,789,000 | 2,658 |
| Average equity | $39,332,000 | 1,902 |
| Average total loans | $158,033,670 | 2,590 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 1,705 |
| Cost of funding earning assets | 0.6048% | 1,343 |
| Net interest margin | 3.7778% | 2,191 |
| Noninterest income to average assets | 2.8043% | 206 |
| Noninterest expense to average assets | 3.8746% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 8.1864% | 25 |
| Return on assets (ROA) | 8.1864% | 25 |
| Pretax return on assets | 2.5242% | 207 |
| Return on Equity (ROE) | 48.0949% | 17 |
| Retained earnings to average equity (ytd only) | 48.0949% | 13 |
| Net charge-offs to loans | -0.0730% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5516% | 4,393 |
| Assets per employee ($millions) | 4.9434% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1465% | 510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 67.6479% | 2,734 |
| Net loans and leases to deposits | 85.8398% | 2,046 |
| Net loans and leases to core deposits | 119.9850% | 464 |
| Total domestic deposits to total assets | 78.8071% | 4,861 |
| Equity capital to assets | 20.6197% | 191 |
| Core capital (leverage) ratio | 22.4859% | 127 |
| Tier 1 risk-based capital ratio | 28.2606% | 544 |
| Total risk-based capital ratio | 29.5224% | 529 |
| Memoranda: | ||
| Average total assets | $208,540,000 | 2,902 |
| Average earning assets | $198,423,500 | 2,843 |
| Average equity | $35,496,500 | 2,060 |
| Average total loans | $147,958,000 | 2,720 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,426 |
| Cost of funding earning assets | 0.6603% | 1,004 |
| Net interest margin | 3.5587% | 3,223 |
| Noninterest income to average assets | 2.1328% | 314 |
| Noninterest expense to average assets | 4.2163% | 484 |
| Loan and lease loss provision to assets | -0.2559% | 5,814 |
| Net operating income to assets | 1.5632% | 740 |
| Return on assets (ROA) | 1.5632% | 765 |
| Pretax return on assets | 1.5771% | 1,350 |
| Return on Equity (ROE) | 11.8434% | 1,292 |
| Retained earnings to average equity (ytd only) | 11.7111% | 240 |
| Net charge-offs to loans | -0.3665% | 5,809 |
| Credit loss provision to net charge-offs | 97.9263% | 2,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1418% | 1,963 |
| Assets per employee ($millions) | 4.9905% | 2,406 |
| Cash dividends to net income (ytd only)* | 1.1171% | 4,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3028% | 398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.3453% | 2,266 |
| Net loans and leases to deposits | 82.1981% | 2,648 |
| Net loans and leases to core deposits | 121.9754% | 433 |
| Total domestic deposits to total assets | 86.7969% | 2,248 |
| Equity capital to assets | 12.9087% | 1,291 |
| Core capital (leverage) ratio | 14.1290% | 788 |
| Tier 1 risk-based capital ratio | 17.2333% | 2,077 |
| Total risk-based capital ratio | 18.4961% | 2,034 |
| Memoranda: | ||
| Average total assets | $166,069,000 | 3,331 |
| Average earning assets | $158,878,200 | 3,254 |
| Average equity | $21,919,400 | 2,988 |
| Average total loans | $118,417,200 | 3,091 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 2,425 |
| Cost of funding earning assets | 0.6745% | 924 |
| Net interest margin | 3.5535% | 3,257 |
| Noninterest income to average assets | 2.4857% | 260 |
| Noninterest expense to average assets | 4.1007% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7693% | 515 |
| Return on assets (ROA) | 1.7693% | 544 |
| Pretax return on assets | 1.7794% | 932 |
| Return on Equity (ROE) | 13.3152% | 965 |
| Retained earnings to average equity (ytd only) | 13.1321% | 216 |
| Net charge-offs to loans | -0.4824% | 5,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7389% | 2,931 |
| Assets per employee ($millions) | 4.3627% | 3,311 |
| Cash dividends to net income (ytd only)* | 1.3752% | 3,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9542% | 199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.8752% | 2,366 |
| Net loans and leases to deposits | 83.1187% | 2,587 |
| Net loans and leases to core deposits | 120.4751% | 493 |
| Total domestic deposits to total assets | 85.2698% | 2,689 |
| Equity capital to assets | 14.3723% | 909 |
| Core capital (leverage) ratio | 15.0504% | 620 |
| Tier 1 risk-based capital ratio | 18.9561% | 1,682 |
| Total risk-based capital ratio | 20.2261% | 1,634 |
| Memoranda: | ||
| Average total assets | $158,929,250 | 3,421 |
| Average earning assets | $151,809,250 | 3,367 |
| Average equity | $21,118,250 | 3,075 |
| Average total loans | $112,488,750 | 3,186 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 2,993 |
| Cost of funding earning assets | 0.6783% | 902 |
| Net interest margin | 3.3916% | 3,927 |
| Noninterest income to average assets | 2.2025% | 301 |
| Noninterest expense to average assets | 4.0067% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4292% | 1,010 |
| Return on assets (ROA) | 1.4292% | 1,054 |
| Pretax return on assets | 1.4305% | 1,905 |
| Return on Equity (ROE) | 11.0865% | 1,606 |
| Retained earnings to average equity (ytd only) | 10.7966% | 463 |
| Net charge-offs to loans | -0.0811% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6904% | 2,406 |
| Assets per employee ($millions) | 4.5044% | 3,021 |
| Cash dividends to net income (ytd only)* | 2.6150% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8473% | 240 |
| Loan loss allowance to noncurrent loans | 1,868.9266% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 5,049 |
| Noncurrent loans to loans | 0.1524% | 4,829 |
| Net loans and leases to total assets | 73.6992% | 1,898 |
| Net loans and leases to deposits | 84.8087% | 2,370 |
| Net loans and leases to core deposits | 99.9867% | 1,632 |
| Total domestic deposits to total assets | 86.9005% | 1,960 |
| Equity capital to assets | 12.7730% | 1,623 |
| Core capital (leverage) ratio | 12.9214% | 1,183 |
| Tier 1 risk-based capital ratio | 15.9081% | 2,690 |
| Total risk-based capital ratio | 17.1766% | 2,616 |
| Memoranda: | ||
| Average total assets | $155,190,000 | 3,480 |
| Average earning assets | $148,014,330 | 3,435 |
| Average equity | $20,006,330 | 3,196 |
| Average total loans | $108,564,000 | 3,262 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 4,089 |
| Cost of funding earning assets | 0.6946% | 824 |
| Net interest margin | 3.0680% | 4,952 |
| Noninterest income to average assets | 2.3174% | 282 |
| Noninterest expense to average assets | 3.8845% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3623% | 1,111 |
| Return on assets (ROA) | 1.3623% | 1,177 |
| Pretax return on assets | 1.3623% | 2,033 |
| Return on Equity (ROE) | 10.5198% | 1,774 |
| Retained earnings to average equity (ytd only) | 9.9464% | 854 |
| Net charge-offs to loans | -0.0878% | 5,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0361% | 2,470 |
| Assets per employee ($millions) | 4.6438% | 2,829 |
| Cash dividends to net income (ytd only)* | 5.4511% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0207% | 219 |
| Loan loss allowance to noncurrent loans | 1,694.3299% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 5,085 |
| Noncurrent loans to loans | 0.1783% | 4,771 |
| Net loans and leases to total assets | 66.8375% | 2,839 |
| Net loans and leases to deposits | 76.2256% | 3,196 |
| Net loans and leases to core deposits | 85.2099% | 2,822 |
| Total domestic deposits to total assets | 87.6838% | 1,811 |
| Equity capital to assets | 12.0211% | 2,027 |
| Core capital (leverage) ratio | 12.2261% | 1,484 |
| Tier 1 risk-based capital ratio | 17.0985% | 2,255 |
| Total risk-based capital ratio | 18.3706% | 2,212 |
| Memoranda: | ||
| Average total assets | $156,209,500 | 3,489 |
| Average earning assets | $149,152,500 | 3,432 |
| Average equity | $20,228,500 | 3,174 |
| Average total loans | $104,756,500 | 3,338 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6394% | 4,560 |
| Cost of funding earning assets | 0.6359% | 1,146 |
| Net interest margin | 3.0034% | 5,130 |
| Noninterest income to average assets | 2.8330% | 222 |
| Noninterest expense to average assets | 4.5985% | 383 |
| Loan and lease loss provision to assets | -1.2477% | 6,178 |
| Net operating income to assets | 2.3651% | 184 |
| Return on assets (ROA) | 2.3651% | 189 |
| Pretax return on assets | 2.3659% | 262 |
| Return on Equity (ROE) | 16.3596% | 520 |
| Retained earnings to average equity (ytd only) | 16.3596% | 108 |
| Net charge-offs to loans | -0.6271% | 6,106 |
| Credit loss provision to net charge-offs | 276.3385% | 1,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4392% | 1,616 |
| Assets per employee ($millions) | 4.6827% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2414% | 167 |
| Loan loss allowance to noncurrent loans | 1,546.9194% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 5,048 |
| Noncurrent loans to loans | 0.2095% | 4,665 |
| Net loans and leases to total assets | 63.0512% | 3,403 |
| Net loans and leases to deposits | 73.4147% | 3,563 |
| Net loans and leases to core deposits | 80.8063% | 3,262 |
| Total domestic deposits to total assets | 85.8836% | 2,689 |
| Equity capital to assets | 13.8983% | 968 |
| Core capital (leverage) ratio | 15.7042% | 501 |
| Tier 1 risk-based capital ratio | 20.8865% | 1,320 |
| Total risk-based capital ratio | 22.1613% | 1,292 |
| Memoranda: | ||
| Average total assets | $128,237,200 | 3,924 |
| Average earning assets | $123,125,400 | 3,815 |
| Average equity | $18,539,600 | 3,309 |
| Average total loans | $92,335,600 | 3,539 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,453 |
| Cost of funding earning assets | 0.6441% | 1,127 |
| Net interest margin | 3.0435% | 5,093 |
| Noninterest income to average assets | 2.5107% | 262 |
| Noninterest expense to average assets | 4.8285% | 326 |
| Loan and lease loss provision to assets | -1.7534% | 6,270 |
| Net operating income to assets | 2.3704% | 194 |
| Return on assets (ROA) | 2.3704% | 204 |
| Pretax return on assets | 2.3715% | 300 |
| Return on Equity (ROE) | 16.1971% | 562 |
| Retained earnings to average equity (ytd only) | 16.1971% | 125 |
| Net charge-offs to loans | -0.8244% | 6,192 |
| Credit loss provision to net charge-offs | 286.7384% | 1,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6519% | 789 |
| Assets per employee ($millions) | 4.2742% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4094% | 162 |
| Loan loss allowance to noncurrent loans | 1,385.4701% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 5,027 |
| Noncurrent loans to loans | 0.2461% | 4,693 |
| Net loans and leases to total assets | 71.6311% | 2,116 |
| Net loans and leases to deposits | 85.7120% | 2,175 |
| Net loans and leases to core deposits | 90.9180% | 2,365 |
| Total domestic deposits to total assets | 83.5718% | 3,579 |
| Equity capital to assets | 16.0694% | 551 |
| Core capital (leverage) ratio | 16.0031% | 491 |
| Tier 1 risk-based capital ratio | 22.7692% | 1,088 |
| Total risk-based capital ratio | 24.0508% | 1,063 |
| Memoranda: | ||
| Average total assets | $121,664,000 | 4,088 |
| Average earning assets | $117,362,500 | 3,977 |
| Average equity | $17,805,250 | 3,435 |
| Average total loans | $90,245,250 | 3,619 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5415% | 4,878 |
| Cost of funding earning assets | 0.6504% | 1,100 |
| Net interest margin | 2.8911% | 5,462 |
| Noninterest income to average assets | 1.9050% | 395 |
| Noninterest expense to average assets | 4.6871% | 369 |
| Loan and lease loss provision to assets | -2.6783% | 6,348 |
| Net operating income to assets | 2.6850% | 129 |
| Return on assets (ROA) | 2.6850% | 136 |
| Pretax return on assets | 2.6867% | 195 |
| Return on Equity (ROE) | 19.0138% | 334 |
| Retained earnings to average equity (ytd only) | 19.0138% | 84 |
| Net charge-offs to loans | -1.1170% | 6,275 |
| Credit loss provision to net charge-offs | 323.2323% | 882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8217% | 327 |
| Assets per employee ($millions) | 4.5442% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3969% | 176 |
| Loan loss allowance to noncurrent loans | 1,297.9592% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 5,095 |
| Noncurrent loans to loans | 0.2617% | 4,737 |
| Net loans and leases to total assets | 71.0755% | 2,149 |
| Net loans and leases to deposits | 84.5701% | 2,244 |
| Net loans and leases to core deposits | 88.9872% | 2,455 |
| Total domestic deposits to total assets | 84.0433% | 3,545 |
| Equity capital to assets | 15.7594% | 557 |
| Core capital (leverage) ratio | 16.5124% | 412 |
| Tier 1 risk-based capital ratio | 23.8832% | 966 |
| Total risk-based capital ratio | 25.1658% | 949 |
| Memoranda: | ||
| Average total assets | $119,477,000 | 4,166 |
| Average earning assets | $115,317,670 | 4,045 |
| Average equity | $16,872,000 | 3,586 |
| Average total loans | $88,630,000 | 3,672 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 4,906 |
| Cost of funding earning assets | 0.6644% | 1,026 |
| Net interest margin | 2.8577% | 5,534 |
| Noninterest income to average assets | 2.4568% | 279 |
| Noninterest expense to average assets | 4.9413% | 307 |
| Loan and lease loss provision to assets | -1.3841% | 6,394 |
| Net operating income to assets | 1.6679% | 636 |
| Return on assets (ROA) | 1.6679% | 667 |
| Pretax return on assets | 1.6679% | 1,120 |
| Return on Equity (ROE) | 12.6161% | 1,188 |
| Retained earnings to average equity (ytd only) | 12.6161% | 490 |
| Net charge-offs to loans | -2.3590% | 6,363 |
| Credit loss provision to net charge-offs | 78.7402% | 1,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5695% | 564 |
| Assets per employee ($millions) | 3.9098% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0689% | 65 |
| Loan loss allowance to noncurrent loans | 1,464.3333% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 4,952 |
| Noncurrent loans to loans | 0.3462% | 4,550 |
| Net loans and leases to total assets | 67.8789% | 2,460 |
| Net loans and leases to deposits | 78.0769% | 2,789 |
| Net loans and leases to core deposits | 82.2811% | 2,935 |
| Total domestic deposits to total assets | 86.9385% | 2,406 |
| Equity capital to assets | 12.8090% | 1,507 |
| Core capital (leverage) ratio | 13.5607% | 954 |
| Tier 1 risk-based capital ratio | 19.9257% | 1,643 |
| Total risk-based capital ratio | 21.2303% | 1,595 |
| Memoranda: | ||
| Average total assets | $115,596,500 | 4,259 |
| Average earning assets | $111,978,500 | 4,143 |
| Average equity | $15,282,000 | 3,875 |
| Average total loans | $86,137,500 | 3,750 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3397% | 5,638 |
| Cost of funding earning assets | 0.7423% | 883 |
| Net interest margin | 2.5974% | 6,078 |
| Noninterest income to average assets | 1.1547% | 905 |
| Noninterest expense to average assets | 5.1304% | 285 |
| Loan and lease loss provision to assets | -1.8232% | 6,508 |
| Net operating income to assets | 0.3160% | 5,479 |
| Return on assets (ROA) | 0.3160% | 5,549 |
| Pretax return on assets | 0.3181% | 5,665 |
| Return on Equity (ROE) | 2.4646% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.4646% | 4,476 |
| Net charge-offs to loans | -0.5472% | 6,401 |
| Credit loss provision to net charge-offs | 485.1752% | 539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.5200% | 63 |
| Assets per employee ($millions) | 3.6663% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0053% | 74 |
| Loan loss allowance to noncurrent loans | 1,314.4172% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 4,848 |
| Noncurrent loans to loans | 0.3808% | 4,498 |
| Net loans and leases to total assets | 73.9392% | 1,592 |
| Net loans and leases to deposits | 85.9155% | 1,996 |
| Net loans and leases to core deposits | 91.3528% | 2,153 |
| Total domestic deposits to total assets | 86.0604% | 2,802 |
| Equity capital to assets | 13.6732% | 1,083 |
| Core capital (leverage) ratio | 14.0637% | 802 |
| Tier 1 risk-based capital ratio | 19.9269% | 1,609 |
| Total risk-based capital ratio | 21.2320% | 1,575 |
| Memoranda: | ||
| Average total assets | $98,725,600 | 4,636 |
| Average earning assets | $93,901,000 | 4,556 |
| Average equity | $12,659,400 | 4,249 |
| Average total loans | $67,799,400 | 4,239 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2447% | 5,849 |
| Cost of funding earning assets | 0.7567% | 868 |
| Net interest margin | 2.4880% | 6,238 |
| Noninterest income to average assets | 1.2803% | 744 |
| Noninterest expense to average assets | 5.0713% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.4444% | 6,500 |
| Return on assets (ROA) | -1.4444% | 6,496 |
| Pretax return on assets | -1.4416% | 6,484 |
| Return on Equity (ROE) | -11.4824% | 6,461 |
| Retained earnings to average equity (ytd only) | -11.4824% | 6,403 |
| Net charge-offs to loans | -0.7051% | 6,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.7166% | 73 |
| Assets per employee ($millions) | 3.4823% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2614% | 19 |
| Loan loss allowance to noncurrent loans | 1,708.7571% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 4,959 |
| Noncurrent loans to loans | 0.4835% | 4,457 |
| Net loans and leases to total assets | 62.2230% | 3,452 |
| Net loans and leases to deposits | 71.4783% | 3,739 |
| Net loans and leases to core deposits | 76.5447% | 3,686 |
| Total domestic deposits to total assets | 87.0517% | 2,291 |
| Equity capital to assets | 12.6751% | 1,595 |
| Core capital (leverage) ratio | 12.9586% | 1,197 |
| Tier 1 risk-based capital ratio | 20.9175% | 1,468 |
| Total risk-based capital ratio | 22.2679% | 1,427 |
| Memoranda: | ||
| Average total assets | $95,909,750 | 4,741 |
| Average earning assets | $90,565,500 | 4,688 |
| Average equity | $12,064,500 | 4,374 |
| Average total loans | $63,346,750 | 4,422 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1826% | 5,972 |
| Cost of funding earning assets | 0.7634% | 865 |
| Net interest margin | 2.4191% | 6,341 |
| Noninterest income to average assets | 0.4135% | 4,144 |
| Noninterest expense to average assets | 5.1820% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.4833% | 6,610 |
| Return on assets (ROA) | -2.4833% | 6,613 |
| Pretax return on assets | -2.4789% | 6,608 |
| Return on Equity (ROE) | -19.8004% | 6,573 |
| Retained earnings to average equity (ytd only) | -19.8004% | 6,532 |
| Net charge-offs to loans | 0.1499% | 2,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -25.3111% | 4,342 |
| Efficiency ratio | 191.7069% | 25 |
| Assets per employee ($millions) | 3.3639% | 5,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9836% | 21 |
| Loan loss allowance to noncurrent loans | 8,857.8125% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 5,991 |
| Noncurrent loans to loans | 0.0901% | 5,744 |
| Net loans and leases to total assets | 62.6567% | 3,292 |
| Net loans and leases to deposits | 72.2513% | 3,542 |
| Net loans and leases to core deposits | 78.5778% | 3,373 |
| Total domestic deposits to total assets | 86.7205% | 2,621 |
| Equity capital to assets | 13.0215% | 1,361 |
| Core capital (leverage) ratio | 14.1665% | 781 |
| Tier 1 risk-based capital ratio | 21.7591% | 1,298 |
| Total risk-based capital ratio | 23.1067% | 1,257 |
| Memoranda: | ||
| Average total assets | $91,895,670 | 4,881 |
| Average earning assets | $86,974,000 | 4,801 |
| Average equity | $11,525,000 | 4,492 |
| Average total loans | $60,055,670 | 4,550 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2685% | 5,901 |
| Cost of funding earning assets | 0.7810% | 832 |
| Net interest margin | 2.4874% | 6,344 |
| Noninterest income to average assets | 0.3360% | 4,688 |
| Noninterest expense to average assets | 5.0873% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.4270% | 6,674 |
| Return on assets (ROA) | -2.4270% | 6,673 |
| Pretax return on assets | -2.4177% | 6,665 |
| Return on Equity (ROE) | -19.8133% | 6,627 |
| Retained earnings to average equity (ytd only) | -19.8133% | 6,527 |
| Net charge-offs to loans | 1.7809% | 159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.1317% | 3,540 |
| Efficiency ratio | 190.5594% | 31 |
| Assets per employee ($millions) | 3.3120% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1995% | 9 |
| Loan loss allowance to noncurrent loans | 208.1019% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 3.8457% | 642 |
| Noncurrent loans to loans | 4.9012% | 464 |
| Net loans and leases to total assets | 53.8659% | 4,437 |
| Net loans and leases to deposits | 64.3042% | 4,284 |
| Net loans and leases to core deposits | 72.0155% | 3,869 |
| Total domestic deposits to total assets | 83.7672% | 4,359 |
| Equity capital to assets | 15.8984% | 541 |
| Core capital (leverage) ratio | 16.5536% | 412 |
| Tier 1 risk-based capital ratio | 28.2124% | 628 |
| Total risk-based capital ratio | 29.5833% | 606 |
| Memoranda: | ||
| Average total assets | $85,703,000 | 5,072 |
| Average earning assets | $80,405,000 | 5,014 |
| Average equity | $10,498,000 | 4,728 |
| Average total loans | $54,579,500 | 4,770 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,979 |
| Cost of funding earning assets | 0.8816% | 814 |
| Net interest margin | 2.8673% | 5,861 |
| Noninterest income to average assets | 0.6766% | 2,669 |
| Noninterest expense to average assets | 4.8199% | 399 |
| Loan and lease loss provision to assets | 1.3629% | 114 |
| Net operating income to assets | -2.8389% | 6,755 |
| Return on assets (ROA) | -2.8389% | 6,753 |
| Pretax return on assets | -2.8389% | 6,751 |
| Return on Equity (ROE) | -29.2268% | 6,717 |
| Retained earnings to average equity (ytd only) | -29.2268% | 6,711 |
| Net charge-offs to loans | 0.0414% | 4,639 |
| Credit loss provision to net charge-offs | 4,307.6923% | 43 |
| Earnings coverage of net charge-offs (x) | -46.6538% | 5,456 |
| Efficiency ratio | 144.1412% | 73 |
| Assets per employee ($millions) | 4.0991% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2920% | 7 |
| Loan loss allowance to noncurrent loans | 114.2571% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 7.0881% | 234 |
| Noncurrent loans to loans | 9.0077% | 144 |
| Net loans and leases to total assets | 60.7511% | 3,582 |
| Net loans and leases to deposits | 66.5798% | 4,231 |
| Net loans and leases to core deposits | 74.4759% | 3,785 |
| Total domestic deposits to total assets | 91.2456% | 485 |
| Equity capital to assets | 8.2689% | 5,806 |
| Core capital (leverage) ratio | 8.8447% | 5,215 |
| Tier 1 risk-based capital ratio | 12.8403% | 5,090 |
| Total risk-based capital ratio | 14.2103% | 4,958 |
| Memoranda: | ||
| Average total assets | $82,179,600 | 5,187 |
| Average earning assets | $76,448,200 | 5,136 |
| Average equity | $7,982,400 | 5,340 |
| Average total loans | $62,867,200 | 4,517 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 4,756 |
| Cost of funding earning assets | 0.9120% | 768 |
| Net interest margin | 2.9121% | 5,787 |
| Noninterest income to average assets | 0.7232% | 2,496 |
| Noninterest expense to average assets | 4.7881% | 399 |
| Loan and lease loss provision to assets | 1.8160% | 50 |
| Net operating income to assets | -3.1732% | 6,856 |
| Return on assets (ROA) | -3.1732% | 6,855 |
| Pretax return on assets | -3.1732% | 6,848 |
| Return on Equity (ROE) | -31.5006% | 6,819 |
| Retained earnings to average equity (ytd only) | -31.5006% | 6,814 |
| Net charge-offs to loans | 2.0544% | 177 |
| Credit loss provision to net charge-offs | 112.3370% | 2,098 |
| Earnings coverage of net charge-offs (x) | -0.8395% | 4,994 |
| Efficiency ratio | 139.5558% | 99 |
| Assets per employee ($millions) | 3.6597% | 4,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7637% | 20 |
| Loan loss allowance to noncurrent loans | 61.6985% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 11.0586% | 111 |
| Noncurrent loans to loans | 12.5833% | 70 |
| Net loans and leases to total assets | 73.3352% | 1,391 |
| Net loans and leases to deposits | 81.2879% | 2,229 |
| Net loans and leases to core deposits | 81.2879% | 2,964 |
| Total domestic deposits to total assets | 90.2165% | 885 |
| Equity capital to assets | 9.3099% | 4,789 |
| Core capital (leverage) ratio | 8.9851% | 5,147 |
| Tier 1 risk-based capital ratio | 12.4192% | 5,507 |
| Total risk-based capital ratio | 13.7533% | 5,399 |
| Memoranda: | ||
| Average total assets | $82,229,000 | 5,237 |
| Average earning assets | $76,461,250 | 5,183 |
| Average equity | $8,283,250 | 5,320 |
| Average total loans | $64,704,250 | 4,500 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,971 |
| Cost of funding earning assets | 0.9083% | 859 |
| Net interest margin | 2.8473% | 5,905 |
| Noninterest income to average assets | 0.6213% | 3,067 |
| Noninterest expense to average assets | 4.8226% | 406 |
| Loan and lease loss provision to assets | 0.3571% | 925 |
| Net operating income to assets | -1.9019% | 6,842 |
| Return on assets (ROA) | -1.9019% | 6,844 |
| Pretax return on assets | -1.9019% | 6,834 |
| Return on Equity (ROE) | -18.4541% | 6,817 |
| Retained earnings to average equity (ytd only) | -18.4541% | 6,790 |
| Net charge-offs to loans | -0.6221% | 6,843 |
| Credit loss provision to net charge-offs | -73.1707% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.1314% | 77 |
| Assets per employee ($millions) | 3.8711% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5658% | 17 |
| Loan loss allowance to noncurrent loans | 54.4122% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 11.2493% | 119 |
| Noncurrent loans to loans | 13.9045% | 66 |
| Net loans and leases to total assets | 74.7829% | 1,134 |
| Net loans and leases to deposits | 83.6565% | 1,844 |
| Net loans and leases to core deposits | 83.6565% | 2,606 |
| Total domestic deposits to total assets | 89.3928% | 1,383 |
| Equity capital to assets | 10.2246% | 3,633 |
| Core capital (leverage) ratio | 9.8586% | 3,702 |
| Tier 1 risk-based capital ratio | 13.9228% | 4,474 |
| Total risk-based capital ratio | 15.1654% | 4,448 |
| Memoranda: | ||
| Average total assets | $84,020,670 | 5,222 |
| Average earning assets | $78,390,000 | 5,158 |
| Average equity | $8,659,330 | 5,259 |
| Average total loans | $65,904,000 | 4,469 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 5,075 |
| Cost of funding earning assets | 0.9084% | 948 |
| Net interest margin | 2.8165% | 5,996 |
| Noninterest income to average assets | 0.6746% | 2,725 |
| Noninterest expense to average assets | 4.4599% | 552 |
| Loan and lease loss provision to assets | 0.7027% | 342 |
| Net operating income to assets | -1.8879% | 6,918 |
| Return on assets (ROA) | -1.8879% | 6,919 |
| Pretax return on assets | -1.8879% | 6,909 |
| Return on Equity (ROE) | -18.2497% | 6,886 |
| Retained earnings to average equity (ytd only) | -18.2497% | 6,811 |
| Net charge-offs to loans | -1.0489% | 6,932 |
| Credit loss provision to net charge-offs | -86.7052% | 5,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.1946% | 120 |
| Assets per employee ($millions) | 4.1629% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4120% | 35 |
| Loan loss allowance to noncurrent loans | 47.2703% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 11.9639% | 131 |
| Noncurrent loans to loans | 15.6800% | 63 |
| Net loans and leases to total assets | 70.6455% | 1,559 |
| Net loans and leases to deposits | 78.7260% | 2,250 |
| Net loans and leases to core deposits | 78.7260% | 2,967 |
| Total domestic deposits to total assets | 89.7359% | 1,199 |
| Equity capital to assets | 9.9621% | 4,195 |
| Core capital (leverage) ratio | 10.2641% | 3,056 |
| Tier 1 risk-based capital ratio | 13.4227% | 4,923 |
| Total risk-based capital ratio | 14.7518% | 4,828 |
| Memoranda: | ||
| Average total assets | $85,384,000 | 5,221 |
| Average earning assets | $78,821,500 | 5,189 |
| Average equity | $8,833,000 | 5,265 |
| Average total loans | $65,971,000 | 4,496 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 4,534 |
| Cost of funding earning assets | 0.8879% | 2,007 |
| Net interest margin | 3.3253% | 5,160 |
| Noninterest income to average assets | 0.7719% | 2,381 |
| Noninterest expense to average assets | 4.5031% | 576 |
| Loan and lease loss provision to assets | 5.0222% | 9 |
| Net operating income to assets | -5.6546% | 7,066 |
| Return on assets (ROA) | -5.6546% | 7,067 |
| Pretax return on assets | -5.6546% | 7,066 |
| Return on Equity (ROE) | -40.0671% | 6,995 |
| Retained earnings to average equity (ytd only) | -41.3200% | 6,991 |
| Net charge-offs to loans | 3.1945% | 143 |
| Credit loss provision to net charge-offs | 203.2569% | 1,262 |
| Earnings coverage of net charge-offs (x) | -0.2560% | 5,597 |
| Efficiency ratio | 116.3397% | 244 |
| Assets per employee ($millions) | 3.9689% | 4,013 |
| Cash dividends to net income (ytd only)* | -3.1269% | 7,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0832% | 43 |
| Loan loss allowance to noncurrent loans | 79.9343% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 7.9559% | 348 |
| Noncurrent loans to loans | 8.8613% | 302 |
| Net loans and leases to total assets | 72.7297% | 1,385 |
| Net loans and leases to deposits | 81.9727% | 2,003 |
| Net loans and leases to core deposits | 87.9873% | 2,084 |
| Total domestic deposits to total assets | 88.7242% | 1,751 |
| Equity capital to assets | 10.7466% | 3,221 |
| Core capital (leverage) ratio | 10.3123% | 2,997 |
| Tier 1 risk-based capital ratio | 14.0527% | 4,346 |
| Total risk-based capital ratio | 15.3771% | 4,247 |
| Memoranda: | ||
| Average total assets | $88,228,400 | 5,135 |
| Average earning assets | $82,217,000 | 5,064 |
| Average equity | $12,451,600 | 4,469 |
| Average total loans | $68,243,000 | 4,412 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 4,675 |
| Cost of funding earning assets | 0.8719% | 2,379 |
| Net interest margin | 3.3686% | 5,145 |
| Noninterest income to average assets | 0.8347% | 2,098 |
| Noninterest expense to average assets | 4.0797% | 851 |
| Loan and lease loss provision to assets | 2.0018% | 119 |
| Net operating income to assets | -2.0793% | 7,048 |
| Return on assets (ROA) | -2.0793% | 7,058 |
| Pretax return on assets | -2.0793% | 7,044 |
| Return on Equity (ROE) | -13.9581% | 6,919 |
| Retained earnings to average equity (ytd only) | -15.1288% | 6,909 |
| Net charge-offs to loans | 0.5527% | 1,951 |
| Credit loss provision to net charge-offs | 469.5804% | 568 |
| Earnings coverage of net charge-offs (x) | -0.1818% | 5,404 |
| Efficiency ratio | 101.9367% | 483 |
| Assets per employee ($millions) | 4.3763% | 3,110 |
| Cash dividends to net income (ytd only)* | -8.3873% | 7,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0886% | 138 |
| Loan loss allowance to noncurrent loans | 61.9487% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 7.2915% | 476 |
| Noncurrent loans to loans | 8.2142% | 369 |
| Net loans and leases to total assets | 73.0297% | 1,385 |
| Net loans and leases to deposits | 85.6722% | 1,639 |
| Net loans and leases to core deposits | 92.5867% | 1,722 |
| Total domestic deposits to total assets | 85.2432% | 3,642 |
| Equity capital to assets | 14.3832% | 1,010 |
| Core capital (leverage) ratio | 14.9454% | 618 |
| Tier 1 risk-based capital ratio | 18.6362% | 2,123 |
| Total risk-based capital ratio | 19.9341% | 2,073 |
| Memoranda: | ||
| Average total assets | $89,448,750 | 5,158 |
| Average earning assets | $84,107,500 | 5,071 |
| Average equity | $13,325,250 | 4,334 |
| Average total loans | $68,994,000 | 4,430 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9470% | 5,790 |
| Cost of funding earning assets | 0.8755% | 2,602 |
| Net interest margin | 3.0714% | 6,072 |
| Noninterest income to average assets | 0.7504% | 2,412 |
| Noninterest expense to average assets | 4.1670% | 765 |
| Loan and lease loss provision to assets | 2.7595% | 74 |
| Net operating income to assets | -3.2790% | 7,167 |
| Return on assets (ROA) | -3.2790% | 7,167 |
| Pretax return on assets | -3.2790% | 7,158 |
| Return on Equity (ROE) | -21.7675% | 7,052 |
| Retained earnings to average equity (ytd only) | -21.7675% | 7,029 |
| Net charge-offs to loans | 0.7420% | 1,486 |
| Credit loss provision to net charge-offs | 481.7829% | 625 |
| Earnings coverage of net charge-offs (x) | -0.9070% | 5,297 |
| Efficiency ratio | 114.2422% | 275 |
| Assets per employee ($millions) | 5.0461% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2693% | 285 |
| Loan loss allowance to noncurrent loans | 75.0224% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 5.8309% | 745 |
| Noncurrent loans to loans | 5.6907% | 800 |
| Net loans and leases to total assets | 87.6970% | 90 |
| Net loans and leases to deposits | 103.1141% | 305 |
| Net loans and leases to core deposits | 111.3084% | 528 |
| Total domestic deposits to total assets | 85.0485% | 3,831 |
| Equity capital to assets | 14.7149% | 858 |
| Core capital (leverage) ratio | 14.2912% | 737 |
| Tier 1 risk-based capital ratio | 16.0641% | 3,136 |
| Total risk-based capital ratio | 17.3529% | 3,086 |
| Memoranda: | ||
| Average total assets | $90,089,670 | 5,166 |
| Average earning assets | $84,976,670 | 5,077 |
| Average equity | $13,570,670 | 4,285 |
| Average total loans | $69,543,000 | 4,431 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 5,401 |
| Cost of funding earning assets | 0.8904% | 2,763 |
| Net interest margin | 3.2236% | 5,723 |
| Noninterest income to average assets | 0.8196% | 2,068 |
| Noninterest expense to average assets | 4.1326% | 800 |
| Loan and lease loss provision to assets | 0.2168% | 2,766 |
| Net operating income to assets | -0.4683% | 6,809 |
| Return on assets (ROA) | -0.4683% | 6,836 |
| Pretax return on assets | -0.4683% | 6,809 |
| Return on Equity (ROE) | -3.0759% | 6,760 |
| Retained earnings to average equity (ytd only) | -3.0759% | 6,405 |
| Net charge-offs to loans | -0.2707% | 7,040 |
| Credit loss provision to net charge-offs | -113.6364% | 5,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4804% | 398 |
| Assets per employee ($millions) | 4.5769% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9638% | 379 |
| Loan loss allowance to noncurrent loans | 49.8987% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 5.3945% | 928 |
| Noncurrent loans to loans | 7.9436% | 494 |
| Net loans and leases to total assets | 65.2177% | 2,615 |
| Net loans and leases to deposits | 77.2773% | 2,631 |
| Net loans and leases to core deposits | 84.4494% | 2,491 |
| Total domestic deposits to total assets | 84.3945% | 4,325 |
| Equity capital to assets | 15.2855% | 696 |
| Core capital (leverage) ratio | 15.2404% | 566 |
| Tier 1 risk-based capital ratio | 22.7026% | 1,171 |
| Total risk-based capital ratio | 23.9882% | 1,148 |
| Memoranda: | ||
| Average total assets | $92,242,500 | 5,148 |
| Average earning assets | $87,605,000 | 5,040 |
| Average equity | $14,044,500 | 4,192 |
| Average total loans | $65,022,000 | 4,619 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9719% | 3,012 |
| Cost of funding earning assets | 0.9328% | 3,849 |
| Net interest margin | 4.0391% | 2,682 |
| Noninterest income to average assets | 1.2394% | 850 |
| Noninterest expense to average assets | 3.8833% | 1,206 |
| Loan and lease loss provision to assets | 2.6135% | 162 |
| Net operating income to assets | -1.4490% | 6,897 |
| Return on assets (ROA) | -1.4490% | 6,919 |
| Pretax return on assets | -1.4470% | 6,886 |
| Return on Equity (ROE) | -9.2021% | 6,721 |
| Retained earnings to average equity (ytd only) | -10.2053% | 6,709 |
| Net charge-offs to loans | 2.9447% | 337 |
| Credit loss provision to net charge-offs | 115.8438% | 2,807 |
| Earnings coverage of net charge-offs (x) | 0.5171% | 5,443 |
| Efficiency ratio | 76.8999% | 2,757 |
| Assets per employee ($millions) | 4.2249% | 3,423 |
| Cash dividends to net income (ytd only)* | -10.9015% | 7,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4914% | 536 |
| Loan loss allowance to noncurrent loans | 73.0354% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 3.4912% | 1,699 |
| Noncurrent loans to loans | 4.7804% | 1,211 |
| Net loans and leases to total assets | 70.4821% | 1,938 |
| Net loans and leases to deposits | 83.4089% | 2,007 |
| Net loans and leases to core deposits | 90.3750% | 2,070 |
| Total domestic deposits to total assets | 84.5019% | 4,097 |
| Equity capital to assets | 15.1667% | 740 |
| Core capital (leverage) ratio | 15.0959% | 587 |
| Tier 1 risk-based capital ratio | 21.2618% | 1,367 |
| Total risk-based capital ratio | 22.5415% | 1,337 |
| Memoranda: | ||
| Average total assets | $98,757,000 | 4,922 |
| Average earning assets | $93,164,400 | 4,828 |
| Average equity | $15,550,800 | 3,805 |
| Average total loans | $75,662,200 | 4,290 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 3,030 |
| Cost of funding earning assets | 0.9369% | 4,141 |
| Net interest margin | 4.0739% | 2,581 |
| Noninterest income to average assets | 1.4463% | 632 |
| Noninterest expense to average assets | 3.8824% | 1,182 |
| Loan and lease loss provision to assets | 1.0644% | 786 |
| Net operating income to assets | 0.3326% | 5,277 |
| Return on assets (ROA) | 0.3326% | 5,448 |
| Pretax return on assets | 0.3353% | 5,631 |
| Return on Equity (ROE) | 2.0945% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.1143% | 5,572 |
| Net charge-offs to loans | 1.0497% | 1,518 |
| Credit loss provision to net charge-offs | 130.9329% | 2,432 |
| Earnings coverage of net charge-offs (x) | 1.7218% | 4,360 |
| Efficiency ratio | 73.5013% | 3,276 |
| Assets per employee ($millions) | 4.7540% | 2,553 |
| Cash dividends to net income (ytd only)* | 46.8005% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0353% | 840 |
| Loan loss allowance to noncurrent loans | 50.0908% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 4.6319% | 1,285 |
| Noncurrent loans to loans | 6.0597% | 919 |
| Net loans and leases to total assets | 74.1176% | 1,315 |
| Net loans and leases to deposits | 89.2072% | 1,297 |
| Net loans and leases to core deposits | 96.1222% | 1,597 |
| Total domestic deposits to total assets | 83.0848% | 4,645 |
| Equity capital to assets | 16.6323% | 526 |
| Core capital (leverage) ratio | 16.9552% | 404 |
| Tier 1 risk-based capital ratio | 21.8845% | 1,310 |
| Total risk-based capital ratio | 23.1583% | 1,281 |
| Memoranda: | ||
| Average total assets | $100,209,500 | 4,924 |
| Average earning assets | $94,353,250 | 4,838 |
| Average equity | $15,914,250 | 3,754 |
| Average total loans | $77,607,500 | 4,262 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 3,106 |
| Cost of funding earning assets | 0.9495% | 4,322 |
| Net interest margin | 4.0614% | 2,566 |
| Noninterest income to average assets | 1.4404% | 614 |
| Noninterest expense to average assets | 3.4616% | 2,088 |
| Loan and lease loss provision to assets | 0.5887% | 1,644 |
| Net operating income to assets | 1.1990% | 1,574 |
| Return on assets (ROA) | 1.1990% | 1,654 |
| Pretax return on assets | 1.2009% | 2,475 |
| Return on Equity (ROE) | 7.6626% | 3,113 |
| Retained earnings to average equity (ytd only) | 6.6844% | 2,031 |
| Net charge-offs to loans | 0.5476% | 2,463 |
| Credit loss provision to net charge-offs | 138.2488% | 2,209 |
| Earnings coverage of net charge-offs (x) | 4.2028% | 2,929 |
| Efficiency ratio | 65.9193% | 4,888 |
| Assets per employee ($millions) | 4.6793% | 2,578 |
| Cash dividends to net income (ytd only)* | 12.7660% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8292% | 1,052 |
| Loan loss allowance to noncurrent loans | 60.9402% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 3.6822% | 1,767 |
| Noncurrent loans to loans | 4.6426% | 1,420 |
| Net loans and leases to total assets | 77.0690% | 904 |
| Net loans and leases to deposits | 93.6761% | 896 |
| Net loans and leases to core deposits | 103.4881% | 1,075 |
| Total domestic deposits to total assets | 82.2717% | 5,074 |
| Equity capital to assets | 17.3692% | 446 |
| Core capital (leverage) ratio | 16.8553% | 419 |
| Tier 1 risk-based capital ratio | 21.6918% | 1,298 |
| Total risk-based capital ratio | 22.9624% | 1,270 |
| Memoranda: | ||
| Average total assets | $101,919,330 | 4,903 |
| Average earning assets | $95,632,330 | 4,832 |
| Average equity | $15,947,670 | 3,741 |
| Average total loans | $79,251,000 | 4,247 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8874% | 3,653 |
| Cost of funding earning assets | 0.9928% | 4,251 |
| Net interest margin | 3.8946% | 3,167 |
| Noninterest income to average assets | 1.0331% | 1,231 |
| Noninterest expense to average assets | 3.1785% | 2,970 |
| Loan and lease loss provision to assets | 0.5656% | 1,526 |
| Net operating income to assets | 0.9426% | 2,385 |
| Return on assets (ROA) | 0.9426% | 2,449 |
| Pretax return on assets | 0.9426% | 3,348 |
| Return on Equity (ROE) | 6.3315% | 3,713 |
| Retained earnings to average equity (ytd only) | 5.3438% | 2,972 |
| Net charge-offs to loans | -0.0147% | 6,472 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8198% | 4,689 |
| Assets per employee ($millions) | 5.8148% | 1,328 |
| Cash dividends to net income (ytd only)* | 15.6000% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7512% | 1,154 |
| Loan loss allowance to noncurrent loans | 66.4931% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.9552% | 2,338 |
| Noncurrent loans to loans | 4.1376% | 1,737 |
| Net loans and leases to total assets | 69.4593% | 2,231 |
| Net loans and leases to deposits | 83.4684% | 2,109 |
| Net loans and leases to core deposits | 95.6250% | 1,700 |
| Total domestic deposits to total assets | 83.2163% | 4,845 |
| Equity capital to assets | 14.4014% | 908 |
| Core capital (leverage) ratio | 15.2226% | 621 |
| Tier 1 risk-based capital ratio | 19.8405% | 1,620 |
| Total risk-based capital ratio | 21.1098% | 1,584 |
| Memoranda: | ||
| Average total assets | $106,086,500 | 4,836 |
| Average earning assets | $99,521,500 | 4,753 |
| Average equity | $15,794,000 | 3,752 |
| Average total loans | $81,764,000 | 4,197 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2231% | 3,496 |
| Cost of funding earning assets | 1.2226% | 4,407 |
| Net interest margin | 4.0005% | 3,020 |
| Noninterest income to average assets | 0.8054% | 2,255 |
| Noninterest expense to average assets | 3.5043% | 2,160 |
| Loan and lease loss provision to assets | 1.2155% | 1,283 |
| Net operating income to assets | -0.1734% | 6,077 |
| Return on assets (ROA) | -0.1734% | 6,137 |
| Pretax return on assets | -0.1862% | 6,075 |
| Return on Equity (ROE) | -1.2057% | 6,082 |
| Retained earnings to average equity (ytd only) | -2.2009% | 5,998 |
| Net charge-offs to loans | 2.3191% | 833 |
| Credit loss provision to net charge-offs | 65.2388% | 5,976 |
| Earnings coverage of net charge-offs (x) | 0.5524% | 5,555 |
| Efficiency ratio | 77.2966% | 2,829 |
| Assets per employee ($millions) | 5.3522% | 1,713 |
| Cash dividends to net income (ytd only)* | -82.5397% | 7,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3849% | 1,561 |
| Loan loss allowance to noncurrent loans | 39.2683% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 5.0535% | 1,261 |
| Noncurrent loans to loans | 6.0732% | 1,018 |
| Net loans and leases to total assets | 81.2255% | 517 |
| Net loans and leases to deposits | 97.6867% | 744 |
| Net loans and leases to core deposits | 111.7940% | 827 |
| Total domestic deposits to total assets | 83.1490% | 4,734 |
| Equity capital to assets | 15.4163% | 694 |
| Core capital (leverage) ratio | 14.7590% | 700 |
| Tier 1 risk-based capital ratio | 18.4709% | 1,852 |
| Total risk-based capital ratio | 19.7363% | 1,809 |
| Memoranda: | ||
| Average total assets | $109,010,400 | 4,739 |
| Average earning assets | $101,588,000 | 4,681 |
| Average equity | $15,675,600 | 3,822 |
| Average total loans | $87,577,800 | 4,116 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1266% | 4,188 |
| Cost of funding earning assets | 1.2713% | 4,427 |
| Net interest margin | 3.8553% | 3,731 |
| Noninterest income to average assets | 0.7795% | 2,326 |
| Noninterest expense to average assets | 3.4956% | 2,041 |
| Loan and lease loss provision to assets | 1.0465% | 1,414 |
| Net operating income to assets | -0.1672% | 6,274 |
| Return on assets (ROA) | -0.1672% | 6,352 |
| Pretax return on assets | -0.1840% | 6,307 |
| Return on Equity (ROE) | -1.1823% | 6,303 |
| Retained earnings to average equity (ytd only) | -2.1774% | 6,232 |
| Net charge-offs to loans | 2.6570% | 615 |
| Credit loss provision to net charge-offs | 49.4318% | 5,895 |
| Earnings coverage of net charge-offs (x) | 0.4074% | 5,614 |
| Efficiency ratio | 80.2098% | 2,308 |
| Assets per employee ($millions) | 5.2956% | 1,827 |
| Cash dividends to net income (ytd only)* | -84.1742% | 7,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1351% | 1,917 |
| Loan loss allowance to noncurrent loans | 42.8505% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 4.0411% | 1,728 |
| Noncurrent loans to loans | 4.9826% | 1,390 |
| Net loans and leases to total assets | 79.3725% | 846 |
| Net loans and leases to deposits | 94.3310% | 1,166 |
| Net loans and leases to core deposits | 106.7194% | 1,262 |
| Total domestic deposits to total assets | 84.1425% | 4,040 |
| Equity capital to assets | 14.8614% | 929 |
| Core capital (leverage) ratio | 14.7778% | 762 |
| Tier 1 risk-based capital ratio | 17.9046% | 2,048 |
| Total risk-based capital ratio | 19.1663% | 2,013 |
| Memoranda: | ||
| Average total assets | $110,840,250 | 4,743 |
| Average earning assets | $102,886,250 | 4,698 |
| Average equity | $15,675,250 | 3,863 |
| Average total loans | $88,318,000 | 4,161 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0200% | 4,850 |
| Cost of funding earning assets | 1.3819% | 3,996 |
| Net interest margin | 3.6382% | 4,639 |
| Noninterest income to average assets | 0.5530% | 3,690 |
| Noninterest expense to average assets | 3.4370% | 2,176 |
| Loan and lease loss provision to assets | 1.0046% | 1,448 |
| Net operating income to assets | -0.5245% | 6,672 |
| Return on assets (ROA) | -0.5245% | 6,709 |
| Pretax return on assets | -0.5227% | 6,607 |
| Return on Equity (ROE) | -3.7691% | 6,601 |
| Retained earnings to average equity (ytd only) | -4.7657% | 6,528 |
| Net charge-offs to loans | 3.6107% | 399 |
| Credit loss provision to net charge-offs | 35.1150% | 5,669 |
| Earnings coverage of net charge-offs (x) | 0.1684% | 5,554 |
| Efficiency ratio | 87.7042% | 1,540 |
| Assets per employee ($millions) | 6.3550% | 1,031 |
| Cash dividends to net income (ytd only)* | -26.4407% | 7,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9308% | 2,339 |
| Loan loss allowance to noncurrent loans | 32.9025% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 4.7262% | 1,369 |
| Noncurrent loans to loans | 5.8682% | 1,102 |
| Net loans and leases to total assets | 78.9846% | 958 |
| Net loans and leases to deposits | 94.6072% | 1,201 |
| Net loans and leases to core deposits | 108.4229% | 1,273 |
| Total domestic deposits to total assets | 83.4868% | 4,347 |
| Equity capital to assets | 14.4287% | 1,032 |
| Core capital (leverage) ratio | 14.5072% | 816 |
| Tier 1 risk-based capital ratio | 17.6363% | 2,061 |
| Total risk-based capital ratio | 18.8956% | 2,028 |
| Memoranda: | ||
| Average total assets | $112,483,000 | 4,740 |
| Average earning assets | $104,063,000 | 4,690 |
| Average equity | $15,653,670 | 3,859 |
| Average total loans | $89,124,330 | 4,171 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 6,246 |
| Cost of funding earning assets | 1.7073% | 2,356 |
| Net interest margin | 2.9905% | 6,850 |
| Noninterest income to average assets | 0.3278% | 5,520 |
| Noninterest expense to average assets | 3.4941% | 1,997 |
| Loan and lease loss provision to assets | 0.9067% | 1,404 |
| Net operating income to assets | -1.3181% | 7,258 |
| Return on assets (ROA) | -1.3181% | 7,271 |
| Pretax return on assets | -1.3181% | 7,186 |
| Return on Equity (ROE) | -9.6389% | 7,124 |
| Retained earnings to average equity (ytd only) | -10.6333% | 6,995 |
| Net charge-offs to loans | 0.0843% | 4,585 |
| Credit loss provision to net charge-offs | 1,368.4211% | 361 |
| Earnings coverage of net charge-offs (x) | -6.2105% | 5,543 |
| Efficiency ratio | 113.3484% | 540 |
| Assets per employee ($millions) | 6.2597% | 1,105 |
| Cash dividends to net income (ytd only)* | -10.3175% | 7,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3100% | 629 |
| Loan loss allowance to noncurrent loans | 36.2691% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 7.2554% | 726 |
| Noncurrent loans to loans | 9.1261% | 521 |
| Net loans and leases to total assets | 76.8704% | 1,354 |
| Net loans and leases to deposits | 89.9305% | 1,914 |
| Net loans and leases to core deposits | 104.3480% | 1,709 |
| Total domestic deposits to total assets | 85.4776% | 3,427 |
| Equity capital to assets | 13.7565% | 1,223 |
| Core capital (leverage) ratio | 13.5678% | 1,064 |
| Tier 1 risk-based capital ratio | 16.8642% | 2,320 |
| Total risk-based capital ratio | 18.1396% | 2,264 |
| Memoranda: | ||
| Average total assets | $114,707,000 | 4,750 |
| Average earning assets | $105,666,500 | 4,716 |
| Average equity | $15,686,500 | 3,888 |
| Average total loans | $90,181,000 | 4,194 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1828% | 5,731 |
| Cost of funding earning assets | 2.2777% | 1,738 |
| Net interest margin | 2.9051% | 6,858 |
| Noninterest income to average assets | 0.8464% | 2,197 |
| Noninterest expense to average assets | 3.4668% | 2,465 |
| Loan and lease loss provision to assets | 2.7613% | 669 |
| Net operating income to assets | -2.6685% | 7,312 |
| Return on assets (ROA) | -2.6685% | 7,321 |
| Pretax return on assets | -2.6676% | 7,198 |
| Return on Equity (ROE) | -19.0767% | 7,112 |
| Retained earnings to average equity (ytd only) | -19.7878% | 7,101 |
| Net charge-offs to loans | 2.1183% | 1,147 |
| Credit loss provision to net charge-offs | 168.3173% | 2,556 |
| Earnings coverage of net charge-offs (x) | 0.0571% | 6,120 |
| Efficiency ratio | 97.3690% | 1,254 |
| Assets per employee ($millions) | 6.1442% | 1,162 |
| Cash dividends to net income (ytd only)* | -3.7279% | 7,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0005% | 777 |
| Loan loss allowance to noncurrent loans | 61.8108% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 3.7751% | 1,766 |
| Noncurrent loans to loans | 4.8544% | 1,411 |
| Net loans and leases to total assets | 75.4326% | 1,937 |
| Net loans and leases to deposits | 87.8912% | 2,570 |
| Net loans and leases to core deposits | 141.3619% | 759 |
| Total domestic deposits to total assets | 85.8249% | 3,099 |
| Equity capital to assets | 13.5969% | 1,283 |
| Core capital (leverage) ratio | 13.1597% | 1,194 |
| Tier 1 risk-based capital ratio | 16.5529% | 2,294 |
| Total risk-based capital ratio | 17.8319% | 2,232 |
| Memoranda: | ||
| Average total assets | $120,631,200 | 4,545 |
| Average earning assets | $112,700,000 | 4,488 |
| Average equity | $16,874,000 | 3,696 |
| Average total loans | $93,423,800 | 4,120 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 6,130 |
| Cost of funding earning assets | 2.3878% | 1,674 |
| Net interest margin | 2.7559% | 7,124 |
| Noninterest income to average assets | 0.8026% | 2,417 |
| Noninterest expense to average assets | 3.4472% | 2,430 |
| Loan and lease loss provision to assets | 2.6545% | 606 |
| Net operating income to assets | -2.7224% | 7,521 |
| Return on assets (ROA) | -2.7224% | 7,526 |
| Pretax return on assets | -2.7213% | 7,424 |
| Return on Equity (ROE) | -19.3327% | 7,352 |
| Retained earnings to average equity (ytd only) | -19.9712% | 7,335 |
| Net charge-offs to loans | 1.1351% | 1,772 |
| Credit loss provision to net charge-offs | 302.2472% | 1,359 |
| Earnings coverage of net charge-offs (x) | -0.0762% | 6,154 |
| Efficiency ratio | 101.9786% | 980 |
| Assets per employee ($millions) | 5.8974% | 1,283 |
| Cash dividends to net income (ytd only)* | -3.3024% | 7,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1673% | 581 |
| Loan loss allowance to noncurrent loans | 113.4674% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 2.1285% | 3,188 |
| Noncurrent loans to loans | 2.7914% | 2,722 |
| Net loans and leases to total assets | 73.8358% | 2,575 |
| Net loans and leases to deposits | 85.7250% | 3,374 |
| Net loans and leases to core deposits | 132.0252% | 1,329 |
| Total domestic deposits to total assets | 86.1311% | 2,627 |
| Equity capital to assets | 13.3821% | 1,538 |
| Core capital (leverage) ratio | 13.4707% | 1,239 |
| Tier 1 risk-based capital ratio | 16.5653% | 2,401 |
| Total risk-based capital ratio | 17.8371% | 2,350 |
| Memoranda: | ||
| Average total assets | $121,604,000 | 4,555 |
| Average earning assets | $113,743,000 | 4,488 |
| Average equity | $17,124,250 | 3,674 |
| Average total loans | $94,083,750 | 4,146 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 6,479 |
| Cost of funding earning assets | 2.5260% | 1,520 |
| Net interest margin | 2.5633% | 7,399 |
| Noninterest income to average assets | 0.6007% | 3,685 |
| Noninterest expense to average assets | 3.3908% | 2,655 |
| Loan and lease loss provision to assets | 2.5170% | 619 |
| Net operating income to assets | -2.9142% | 7,658 |
| Return on assets (ROA) | -2.9142% | 7,656 |
| Pretax return on assets | -2.9142% | 7,552 |
| Return on Equity (ROE) | -20.3490% | 7,511 |
| Retained earnings to average equity (ytd only) | -20.3490% | 7,463 |
| Net charge-offs to loans | 0.6811% | 2,340 |
| Credit loss provision to net charge-offs | 475.3125% | 978 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 6,164 |
| Efficiency ratio | 113.2670% | 771 |
| Assets per employee ($millions) | 6.3201% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6420% | 791 |
| Loan loss allowance to noncurrent loans | 91.0442% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 2.2349% | 2,906 |
| Noncurrent loans to loans | 2.9018% | 2,483 |
| Net loans and leases to total assets | 74.9830% | 2,438 |
| Net loans and leases to deposits | 87.2447% | 3,313 |
| Net loans and leases to core deposits | 128.6775% | 1,670 |
| Total domestic deposits to total assets | 85.9456% | 2,822 |
| Equity capital to assets | 13.6477% | 1,439 |
| Core capital (leverage) ratio | 13.9077% | 1,162 |
| Tier 1 risk-based capital ratio | 16.8491% | 2,344 |
| Total risk-based capital ratio | 18.1159% | 2,295 |
| Memoranda: | ||
| Average total assets | $120,857,000 | 4,610 |
| Average earning assets | $112,825,000 | 4,544 |
| Average equity | $17,308,000 | 3,661 |
| Average total loans | $93,967,330 | 4,169 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1865% | 6,346 |
| Cost of funding earning assets | 2.5787% | 1,626 |
| Net interest margin | 2.6079% | 7,358 |
| Noninterest income to average assets | 0.5996% | 3,553 |
| Noninterest expense to average assets | 3.3908% | 2,386 |
| Loan and lease loss provision to assets | 0.7825% | 1,642 |
| Net operating income to assets | -1.1551% | 7,337 |
| Return on assets (ROA) | -1.1551% | 7,349 |
| Pretax return on assets | -1.1551% | 7,228 |
| Return on Equity (ROE) | -7.8678% | 7,232 |
| Retained earnings to average equity (ytd only) | -7.8678% | 6,903 |
| Net charge-offs to loans | 0.0217% | 5,253 |
| Credit loss provision to net charge-offs | 4,620.0000% | 159 |
| Earnings coverage of net charge-offs (x) | -22.0000% | 5,667 |
| Efficiency ratio | 112.3457% | 762 |
| Assets per employee ($millions) | 5.9448% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 2,108 |
| Loan loss allowance to noncurrent loans | 75.4726% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 3,384 |
| Noncurrent loans to loans | 2.2676% | 2,903 |
| Net loans and leases to total assets | 73.4679% | 2,901 |
| Net loans and leases to deposits | 86.6900% | 3,524 |
| Net loans and leases to core deposits | 124.4697% | 2,043 |
| Total domestic deposits to total assets | 84.7478% | 3,329 |
| Equity capital to assets | 14.9238% | 1,123 |
| Core capital (leverage) ratio | 16.3189% | 740 |
| Tier 1 risk-based capital ratio | 18.7327% | 1,874 |
| Total risk-based capital ratio | 19.9755% | 1,830 |
| Memoranda: | ||
| Average total assets | $118,084,500 | 4,705 |
| Average earning assets | $109,514,500 | 4,656 |
| Average equity | $17,336,500 | 3,665 |
| Average total loans | $92,275,000 | 4,250 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5413% | 2,755 |
| Cost of funding earning assets | 3.0221% | 1,792 |
| Net interest margin | 3.5192% | 5,231 |
| Noninterest income to average assets | 0.9164% | 1,901 |
| Noninterest expense to average assets | 4.5724% | 832 |
| Loan and lease loss provision to assets | 0.6274% | 2,320 |
| Net operating income to assets | -0.9620% | 7,228 |
| Return on assets (ROA) | -0.9620% | 7,149 |
| Pretax return on assets | -0.9465% | 6,968 |
| Return on Equity (ROE) | -6.0642% | 6,964 |
| Retained earnings to average equity (ytd only) | -6.0642% | 6,670 |
| Net charge-offs to loans | 0.4424% | 2,612 |
| Credit loss provision to net charge-offs | 171.1640% | 2,987 |
| Earnings coverage of net charge-offs (x) | -0.8704% | 6,572 |
| Efficiency ratio | 107.5011% | 770 |
| Assets per employee ($millions) | 5.3013% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 2,674 |
| Loan loss allowance to noncurrent loans | 178.2835% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 5,153 |
| Noncurrent loans to loans | 0.8429% | 4,944 |
| Net loans and leases to total assets | 80.7200% | 1,499 |
| Net loans and leases to deposits | 94.8083% | 2,645 |
| Net loans and leases to core deposits | 140.2854% | 1,250 |
| Total domestic deposits to total assets | 85.1403% | 2,781 |
| Equity capital to assets | 14.4097% | 1,323 |
| Core capital (leverage) ratio | 14.8600% | 1,065 |
| Tier 1 risk-based capital ratio | 16.7120% | 2,413 |
| Total risk-based capital ratio | 17.9652% | 2,348 |
| Memoranda: | ||
| Average total assets | $103,119,400 | 4,957 |
| Average earning assets | $97,778,200 | 4,866 |
| Average equity | $16,358,200 | 3,853 |
| Average total loans | $85,439,800 | 4,347 |