Home > Bank of Bartlett > Performance and Condition Ratios
Bank of Bartlett, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 2,942 |
| Cost of funding earning assets | 1.4998% | 1,941 |
| Net interest margin | 3.0807% | 3,135 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 3.2244% | 808 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.2844% | 4,052 |
| Return on assets (ROA) | 0.2384% | 4,124 |
| Pretax return on assets | 0.2468% | 4,144 |
| Return on Equity (ROE) | 4.8200% | 3,760 |
| Retained earnings to average equity (ytd only) | -0.6561% | 4,157 |
| Net charge-offs to loans | 0.0205% | 1,931 |
| Credit loss provision to net charge-offs | 727.2727% | 517 |
| Earnings coverage of net charge-offs (x) | 31.7121% | 1,604 |
| Efficiency ratio | 89.4127% | 432 |
| Assets per employee ($millions) | 4.9324% | 3,686 |
| Cash dividends to net income (ytd only)* | 113.6190% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 3,878 |
| Loan loss allowance to noncurrent loans | 130.6678% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 475 |
| Noncurrent loans to loans | 0.6419% | 1,225 |
| Net loans and leases to total assets | 61.9900% | 2,676 |
| Net loans and leases to deposits | 79.0541% | 2,180 |
| Net loans and leases to core deposits | 81.8413% | 2,595 |
| Total domestic deposits to total assets | 78.4100% | 3,680 |
| Equity capital to assets | 5.2231% | 4,376 |
| Core capital (leverage) ratio | 8.1278% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6687% | 1,998 |
| Memoranda: | ||
| Average total assets | $548,197,000 | 1,620 |
| Average earning assets | $507,127,800 | 1,609 |
| Average equity | $27,130,200 | 2,405 |
| Average total loans | $322,704,600 | 1,714 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 2,992 |
| Cost of funding earning assets | 1.3862% | 1,905 |
| Net interest margin | 3.0734% | 3,191 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 3.2265% | 787 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.2819% | 4,136 |
| Return on assets (ROA) | 0.2419% | 4,200 |
| Pretax return on assets | 0.2422% | 4,210 |
| Return on Equity (ROE) | 4.9600% | 3,814 |
| Retained earnings to average equity (ytd only) | -0.9507% | 4,247 |
| Net charge-offs to loans | 0.0110% | 1,991 |
| Credit loss provision to net charge-offs | 1,238.4615% | 349 |
| Earnings coverage of net charge-offs (x) | 56.6154% | 1,240 |
| Efficiency ratio | 89.9337% | 377 |
| Assets per employee ($millions) | 4.7232% | 3,788 |
| Cash dividends to net income (ytd only)* | 119.1684% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 3,913 |
| Loan loss allowance to noncurrent loans | 139.8629% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.9048% | 597 |
| Noncurrent loans to loans | 0.5962% | 1,346 |
| Net loans and leases to total assets | 61.4600% | 2,708 |
| Net loans and leases to deposits | 76.8431% | 2,350 |
| Net loans and leases to core deposits | 79.1580% | 2,658 |
| Total domestic deposits to total assets | 79.9800% | 3,531 |
| Equity capital to assets | 4.3359% | 4,362 |
| Core capital (leverage) ratio | 8.3230% | 4,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8388% | 1,953 |
| Memoranda: | ||
| Average total assets | $543,439,500 | 1,634 |
| Average earning assets | $502,455,000 | 1,627 |
| Average equity | $26,506,000 | 2,419 |
| Average total loans | $314,734,000 | 1,746 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 2,998 |
| Cost of funding earning assets | 1.2587% | 1,829 |
| Net interest margin | 3.0913% | 3,241 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 3.2370% | 755 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3586% | 4,078 |
| Return on assets (ROA) | 0.3375% | 4,129 |
| Pretax return on assets | 0.3375% | 4,193 |
| Return on Equity (ROE) | 6.6700% | 3,546 |
| Retained earnings to average equity (ytd only) | 0.4899% | 3,986 |
| Net charge-offs to loans | -0.0105% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.7210% | 363 |
| Assets per employee ($millions) | 4.9094% | 3,668 |
| Cash dividends to net income (ytd only)* | 92.6535% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 4,010 |
| Loan loss allowance to noncurrent loans | 146.0806% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 599 |
| Noncurrent loans to loans | 0.5507% | 1,355 |
| Net loans and leases to total assets | 57.4800% | 3,007 |
| Net loans and leases to deposits | 70.6816% | 2,733 |
| Net loans and leases to core deposits | 72.0998% | 3,010 |
| Total domestic deposits to total assets | 81.3200% | 3,372 |
| Equity capital to assets | 4.7446% | 4,414 |
| Core capital (leverage) ratio | 8.4073% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3052% | 1,787 |
| Memoranda: | ||
| Average total assets | $540,380,333 | 1,632 |
| Average earning assets | $499,721,000 | 1,634 |
| Average equity | $27,354,333 | 2,395 |
| Average total loans | $305,477,333 | 1,751 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2405% | 2,953 |
| Cost of funding earning assets | 1.1283% | 1,671 |
| Net interest margin | 3.1122% | 3,325 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 3.2031% | 793 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.3235% | 4,215 |
| Return on assets (ROA) | 0.2947% | 4,220 |
| Pretax return on assets | 0.3399% | 4,220 |
| Return on Equity (ROE) | 5.6400% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.4733% | 3,397 |
| Net charge-offs to loans | -0.0014% | 3,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.5970% | 404 |
| Assets per employee ($millions) | 4.9131% | 3,722 |
| Cash dividends to net income (ytd only)* | 38.3632% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8673% | 3,941 |
| Loan loss allowance to noncurrent loans | 172.8346% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 577 |
| Noncurrent loans to loans | 0.5018% | 1,464 |
| Net loans and leases to total assets | 56.2200% | 3,025 |
| Net loans and leases to deposits | 66.6240% | 2,883 |
| Net loans and leases to core deposits | 67.5766% | 3,130 |
| Total domestic deposits to total assets | 84.3800% | 3,003 |
| Equity capital to assets | 5.4429% | 4,353 |
| Core capital (leverage) ratio | 8.7218% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8416% | 1,668 |
| Memoranda: | ||
| Average total assets | $530,735,000 | 1,679 |
| Average earning assets | $489,945,000 | 1,677 |
| Average equity | $27,754,500 | 2,402 |
| Average total loans | $296,064,500 | 1,807 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5161% | 3,033 |
| Cost of funding earning assets | 0.2246% | 3,557 |
| Net interest margin | 3.2914% | 2,586 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 3.6274% | 440 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.5044% | 4,082 |
| Return on assets (ROA) | 0.5044% | 4,042 |
| Pretax return on assets | 0.6382% | 3,962 |
| Return on Equity (ROE) | 7.8300% | 3,429 |
| Retained earnings to average equity (ytd only) | 4.9520% | 3,074 |
| Net charge-offs to loans | -0.1273% | 4,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.6195% | 433 |
| Assets per employee ($millions) | 4.8252% | 3,797 |
| Cash dividends to net income (ytd only)* | 36.7589% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 3,939 |
| Loan loss allowance to noncurrent loans | 199.6713% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 611 |
| Noncurrent loans to loans | 0.4219% | 1,661 |
| Net loans and leases to total assets | 54.3800% | 3,163 |
| Net loans and leases to deposits | 62.9741% | 3,115 |
| Net loans and leases to core deposits | 63.4127% | 3,299 |
| Total domestic deposits to total assets | 86.3500% | 2,621 |
| Equity capital to assets | 5.0121% | 4,364 |
| Core capital (leverage) ratio | 8.9473% | 3,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $501,598,600 | 1,716 |
| Average earning assets | $462,960,600 | 1,723 |
| Average equity | $32,310,000 | 2,230 |
| Average total loans | $263,124,000 | 1,881 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3355% | 3,087 |
| Cost of funding earning assets | 0.0918% | 4,339 |
| Net interest margin | 3.2437% | 2,479 |
| Noninterest income to average assets | 1.3300% | 416 |
| Noninterest expense to average assets | 3.6791% | 411 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.5895% | 3,855 |
| Return on assets (ROA) | 0.5895% | 3,817 |
| Pretax return on assets | 0.7069% | 3,788 |
| Return on Equity (ROE) | 8.6400% | 3,129 |
| Retained earnings to average equity (ytd only) | 6.4737% | 2,562 |
| Net charge-offs to loans | -0.1734% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 85.0047% | 495 |
| Assets per employee ($millions) | 4.6927% | 3,914 |
| Cash dividends to net income (ytd only)* | 25.1027% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 3,915 |
| Loan loss allowance to noncurrent loans | 210.2496% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 634 |
| Noncurrent loans to loans | 0.4186% | 1,764 |
| Net loans and leases to total assets | 52.9100% | 3,195 |
| Net loans and leases to deposits | 58.2247% | 3,324 |
| Net loans and leases to core deposits | 58.4747% | 3,471 |
| Total domestic deposits to total assets | 90.8700% | 1,292 |
| Equity capital to assets | 5.0562% | 4,279 |
| Core capital (leverage) ratio | 9.0764% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $495,512,500 | 1,739 |
| Average earning assets | $457,455,250 | 1,746 |
| Average equity | $33,797,250 | 2,198 |
| Average total loans | $256,796,500 | 1,909 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1559% | 3,171 |
| Cost of funding earning assets | 0.0829% | 4,349 |
| Net interest margin | 3.0730% | 2,638 |
| Noninterest income to average assets | 1.4263% | 358 |
| Noninterest expense to average assets | 3.7862% | 327 |
| Loan and lease loss provision to assets | -0.1541% | 4,654 |
| Net operating income to assets | 0.5295% | 3,821 |
| Return on assets (ROA) | 0.5295% | 3,774 |
| Pretax return on assets | 0.6349% | 3,740 |
| Return on Equity (ROE) | 7.1365% | 3,275 |
| Retained earnings to average equity (ytd only) | 5.6338% | 2,457 |
| Net charge-offs to loans | -0.2703% | 4,635 |
| Credit loss provision to net charge-offs | 111.1111% | 1,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7316% | 470 |
| Assets per employee ($millions) | 4.5601% | 4,033 |
| Cash dividends to net income (ytd only)* | 21.0567% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 4,042 |
| Loan loss allowance to noncurrent loans | 244.9388% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 930 |
| Noncurrent loans to loans | 0.3540% | 2,081 |
| Net loans and leases to total assets | 50.6490% | 3,306 |
| Net loans and leases to deposits | 56.2701% | 3,356 |
| Net loans and leases to core deposits | 56.4391% | 3,526 |
| Total domestic deposits to total assets | 90.0105% | 1,701 |
| Equity capital to assets | 6.4898% | 4,025 |
| Core capital (leverage) ratio | 9.0701% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,311,667 | 1,749 |
| Average earning assets | $456,033,333 | 1,763 |
| Average equity | $36,600,333 | 2,134 |
| Average total loans | $253,059,333 | 1,931 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0105% | 3,226 |
| Cost of funding earning assets | 0.0810% | 4,351 |
| Net interest margin | 2.9295% | 2,732 |
| Noninterest income to average assets | 1.6287% | 319 |
| Noninterest expense to average assets | 4.2170% | 237 |
| Loan and lease loss provision to assets | -0.0488% | 4,511 |
| Net operating income to assets | 0.2100% | 4,314 |
| Return on assets (ROA) | 0.2100% | 4,281 |
| Pretax return on assets | 0.1677% | 4,365 |
| Return on Equity (ROE) | 2.6617% | 4,160 |
| Retained earnings to average equity (ytd only) | 0.9595% | 3,830 |
| Net charge-offs to loans | -0.0364% | 4,155 |
| Credit loss provision to net charge-offs | 260.8696% | 706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2592% | 294 |
| Assets per employee ($millions) | 4.6755% | 4,015 |
| Cash dividends to net income (ytd only)* | 63.9535% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,079 |
| Loan loss allowance to noncurrent loans | 235.8672% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 968 |
| Noncurrent loans to loans | 0.3756% | 2,142 |
| Net loans and leases to total assets | 50.2032% | 3,154 |
| Net loans and leases to deposits | 56.4081% | 3,226 |
| Net loans and leases to core deposits | 56.5865% | 3,406 |
| Total domestic deposits to total assets | 88.9999% | 2,082 |
| Equity capital to assets | 7.2880% | 4,053 |
| Core capital (leverage) ratio | 8.9137% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2023% | 1,210 |
| Memoranda: | ||
| Average total assets | $491,440,500 | 1,756 |
| Average earning assets | $454,144,500 | 1,772 |
| Average equity | $38,771,500 | 2,099 |
| Average total loans | $252,611,500 | 1,922 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 2,419 |
| Cost of funding earning assets | 0.0879% | 4,481 |
| Net interest margin | 3.5021% | 1,727 |
| Noninterest income to average assets | 3.4328% | 160 |
| Noninterest expense to average assets | 4.2647% | 240 |
| Loan and lease loss provision to assets | -0.0217% | 4,235 |
| Net operating income to assets | 1.8228% | 485 |
| Return on assets (ROA) | 1.8228% | 506 |
| Pretax return on assets | 2.4048% | 296 |
| Return on Equity (ROE) | 22.2521% | 208 |
| Retained earnings to average equity (ytd only) | 18.6067% | 82 |
| Net charge-offs to loans | 0.0751% | 1,038 |
| Credit loss provision to net charge-offs | -48.7923% | 3,255 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 1,260 |
| Efficiency ratio | 64.1518% | 2,544 |
| Assets per employee ($millions) | 4.7762% | 3,911 |
| Cash dividends to net income (ytd only)* | 16.3823% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,129 |
| Loan loss allowance to noncurrent loans | 197.8799% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 994 |
| Noncurrent loans to loans | 0.4412% | 2,034 |
| Net loans and leases to total assets | 51.6957% | 3,100 |
| Net loans and leases to deposits | 58.5833% | 3,200 |
| Net loans and leases to core deposits | 58.7088% | 3,419 |
| Total domestic deposits to total assets | 88.2431% | 1,908 |
| Equity capital to assets | 8.4895% | 4,053 |
| Core capital (leverage) ratio | 8.9019% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6019% | 1,139 |
| Memoranda: | ||
| Average total assets | $466,148,800 | 1,784 |
| Average earning assets | $427,948,200 | 1,810 |
| Average equity | $38,185,200 | 2,151 |
| Average total loans | $275,569,000 | 1,812 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 2,132 |
| Cost of funding earning assets | 0.0900% | 4,572 |
| Net interest margin | 3.6645% | 1,420 |
| Noninterest income to average assets | 2.0436% | 333 |
| Noninterest expense to average assets | 4.0457% | 274 |
| Loan and lease loss provision to assets | -0.0670% | 4,517 |
| Net operating income to assets | 1.1164% | 2,493 |
| Return on assets (ROA) | 1.1164% | 2,546 |
| Pretax return on assets | 1.4183% | 2,259 |
| Return on Equity (ROE) | 13.7619% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.8419% | 870 |
| Net charge-offs to loans | 0.0809% | 861 |
| Credit loss provision to net charge-offs | -135.8824% | 3,285 |
| Earnings coverage of net charge-offs (x) | 27.4059% | 1,576 |
| Efficiency ratio | 74.9624% | 1,129 |
| Assets per employee ($millions) | 4.3520% | 4,227 |
| Cash dividends to net income (ytd only)* | 13.9517% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 4,298 |
| Loan loss allowance to noncurrent loans | 207.2394% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 1,065 |
| Noncurrent loans to loans | 0.4029% | 2,352 |
| Net loans and leases to total assets | 53.7533% | 2,997 |
| Net loans and leases to deposits | 60.6412% | 3,172 |
| Net loans and leases to core deposits | 60.7751% | 3,418 |
| Total domestic deposits to total assets | 88.6417% | 1,492 |
| Equity capital to assets | 8.2082% | 4,403 |
| Core capital (leverage) ratio | 8.3140% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2414% | 1,296 |
| Memoranda: | ||
| Average total assets | $459,698,500 | 1,831 |
| Average earning assets | $420,675,500 | 1,854 |
| Average equity | $37,290,500 | 2,212 |
| Average total loans | $280,322,000 | 1,821 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 3,249 |
| Cost of funding earning assets | 0.0926% | 4,620 |
| Net interest margin | 3.2819% | 2,506 |
| Noninterest income to average assets | 1.4032% | 606 |
| Noninterest expense to average assets | 3.9964% | 295 |
| Loan and lease loss provision to assets | -0.1082% | 4,638 |
| Net operating income to assets | 0.3966% | 4,389 |
| Return on assets (ROA) | 0.3966% | 4,430 |
| Pretax return on assets | 0.5079% | 4,381 |
| Return on Equity (ROE) | 4.9100% | 4,140 |
| Retained earnings to average equity (ytd only) | 2.3679% | 4,027 |
| Net charge-offs to loans | 0.0986% | 746 |
| Credit loss provision to net charge-offs | -173.2394% | 3,172 |
| Earnings coverage of net charge-offs (x) | 6.4014% | 1,960 |
| Efficiency ratio | 90.9073% | 315 |
| Assets per employee ($millions) | 4.3300% | 4,237 |
| Cash dividends to net income (ytd only)* | 51.7738% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7693% | 4,416 |
| Loan loss allowance to noncurrent loans | 167.9627% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 1.2115% | 558 |
| Noncurrent loans to loans | 0.4580% | 2,303 |
| Net loans and leases to total assets | 59.0323% | 2,539 |
| Net loans and leases to deposits | 66.2388% | 2,802 |
| Net loans and leases to core deposits | 66.3850% | 3,085 |
| Total domestic deposits to total assets | 89.1204% | 1,220 |
| Equity capital to assets | 7.8154% | 4,624 |
| Core capital (leverage) ratio | 7.7747% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5694% | 1,452 |
| Memoranda: | ||
| Average total assets | $454,809,667 | 1,837 |
| Average earning assets | $414,754,667 | 1,860 |
| Average equity | $36,741,667 | 2,235 |
| Average total loans | $288,051,333 | 1,794 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1104% | 3,860 |
| Cost of funding earning assets | 0.0985% | 4,656 |
| Net interest margin | 3.0120% | 3,225 |
| Noninterest income to average assets | 2.5960% | 256 |
| Noninterest expense to average assets | 3.9558% | 297 |
| Loan and lease loss provision to assets | 0.0529% | 2,050 |
| Net operating income to assets | 1.0111% | 2,782 |
| Return on assets (ROA) | 1.0111% | 2,864 |
| Pretax return on assets | 1.3294% | 2,488 |
| Return on Equity (ROE) | 12.3045% | 1,902 |
| Retained earnings to average equity (ytd only) | 8.7266% | 2,033 |
| Net charge-offs to loans | 0.1851% | 434 |
| Credit loss provision to net charge-offs | 43.7037% | 1,339 |
| Earnings coverage of net charge-offs (x) | 11.4222% | 1,455 |
| Efficiency ratio | 74.1058% | 1,300 |
| Assets per employee ($millions) | 4.3471% | 4,239 |
| Cash dividends to net income (ytd only)* | 29.0780% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 4,278 |
| Loan loss allowance to noncurrent loans | 91.9985% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.0743% | 237 |
| Noncurrent loans to loans | 0.9326% | 1,449 |
| Net loans and leases to total assets | 62.5800% | 2,221 |
| Net loans and leases to deposits | 70.4796% | 2,463 |
| Net loans and leases to core deposits | 70.6410% | 2,818 |
| Total domestic deposits to total assets | 88.7917% | 1,443 |
| Equity capital to assets | 8.0364% | 4,468 |
| Core capital (leverage) ratio | 7.9533% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0705% | 1,548 |
| Memoranda: | ||
| Average total assets | $446,231,000 | 1,854 |
| Average earning assets | $406,244,500 | 1,882 |
| Average equity | $36,669,500 | 2,220 |
| Average total loans | $291,690,500 | 1,783 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 1,566 |
| Cost of funding earning assets | 0.1966% | 4,593 |
| Net interest margin | 4.2115% | 619 |
| Noninterest income to average assets | 1.8782% | 364 |
| Noninterest expense to average assets | 4.2682% | 296 |
| Loan and lease loss provision to assets | 0.2576% | 1,509 |
| Net operating income to assets | 0.9427% | 2,512 |
| Return on assets (ROA) | 0.9501% | 2,628 |
| Pretax return on assets | 1.1711% | 2,438 |
| Return on Equity (ROE) | 11.1535% | 1,571 |
| Retained earnings to average equity (ytd only) | 9.7724% | 631 |
| Net charge-offs to loans | 0.2725% | 629 |
| Credit loss provision to net charge-offs | 136.8421% | 2,508 |
| Earnings coverage of net charge-offs (x) | 7.5408% | 2,688 |
| Efficiency ratio | 75.0425% | 1,329 |
| Assets per employee ($millions) | 4.2747% | 4,150 |
| Cash dividends to net income (ytd only)* | 12.3827% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8630% | 4,289 |
| Loan loss allowance to noncurrent loans | 58.0014% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 247 |
| Noncurrent loans to loans | 1.4878% | 896 |
| Net loans and leases to total assets | 67.1345% | 1,935 |
| Net loans and leases to deposits | 76.0507% | 2,278 |
| Net loans and leases to core deposits | 76.2339% | 2,714 |
| Total domestic deposits to total assets | 88.2759% | 1,337 |
| Equity capital to assets | 8.4073% | 4,511 |
| Core capital (leverage) ratio | 7.9491% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6567% | 1,358 |
| Memoranda: | ||
| Average total assets | $403,727,200 | 1,850 |
| Average earning assets | $365,193,200 | 1,886 |
| Average equity | $34,392,800 | 2,263 |
| Average total loans | $278,935,000 | 1,777 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 888 |
| Cost of funding earning assets | 0.2243% | 4,591 |
| Net interest margin | 4.5697% | 332 |
| Noninterest income to average assets | 1.5774% | 478 |
| Noninterest expense to average assets | 4.2939% | 297 |
| Loan and lease loss provision to assets | 0.3420% | 1,119 |
| Net operating income to assets | 0.8199% | 3,016 |
| Return on assets (ROA) | 0.8199% | 3,140 |
| Pretax return on assets | 1.0672% | 2,857 |
| Return on Equity (ROE) | 9.5898% | 2,173 |
| Retained earnings to average equity (ytd only) | 8.1314% | 1,261 |
| Net charge-offs to loans | 0.3585% | 442 |
| Credit loss provision to net charge-offs | 137.3478% | 2,404 |
| Earnings coverage of net charge-offs (x) | 5.6590% | 2,714 |
| Efficiency ratio | 75.2895% | 1,270 |
| Assets per employee ($millions) | 4.1514% | 4,191 |
| Cash dividends to net income (ytd only)* | 15.2076% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 4,343 |
| Loan loss allowance to noncurrent loans | 49.3119% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8849% | 381 |
| Noncurrent loans to loans | 1.6396% | 853 |
| Net loans and leases to total assets | 72.9922% | 1,502 |
| Net loans and leases to deposits | 83.1103% | 2,005 |
| Net loans and leases to core deposits | 83.2344% | 2,561 |
| Total domestic deposits to total assets | 87.8257% | 1,295 |
| Equity capital to assets | 8.2577% | 4,598 |
| Core capital (leverage) ratio | 7.6062% | 4,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5461% | 1,638 |
| Memoranda: | ||
| Average total assets | $395,655,000 | 1,859 |
| Average earning assets | $357,210,000 | 1,891 |
| Average equity | $33,826,750 | 2,289 |
| Average total loans | $274,852,500 | 1,792 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4828% | 345 |
| Cost of funding earning assets | 0.2694% | 4,566 |
| Net interest margin | 5.2134% | 137 |
| Noninterest income to average assets | 0.7912% | 1,463 |
| Noninterest expense to average assets | 4.2176% | 323 |
| Loan and lease loss provision to assets | 0.3273% | 1,307 |
| Net operating income to assets | 0.7184% | 3,327 |
| Return on assets (ROA) | 0.7184% | 3,438 |
| Pretax return on assets | 0.9314% | 3,226 |
| Return on Equity (ROE) | 8.2982% | 2,634 |
| Retained earnings to average equity (ytd only) | 6.7082% | 1,775 |
| Net charge-offs to loans | 0.5230% | 309 |
| Credit loss provision to net charge-offs | 92.1053% | 2,455 |
| Earnings coverage of net charge-offs (x) | 3.5424% | 2,670 |
| Efficiency ratio | 77.0157% | 1,155 |
| Assets per employee ($millions) | 4.1384% | 4,166 |
| Cash dividends to net income (ytd only)* | 19.1612% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 4,493 |
| Loan loss allowance to noncurrent loans | 40.3867% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.8638% | 416 |
| Noncurrent loans to loans | 1.8268% | 763 |
| Net loans and leases to total assets | 68.5488% | 2,256 |
| Net loans and leases to deposits | 77.4424% | 2,716 |
| Net loans and leases to core deposits | 77.6382% | 3,139 |
| Total domestic deposits to total assets | 88.5158% | 938 |
| Equity capital to assets | 7.9400% | 4,748 |
| Core capital (leverage) ratio | 7.7039% | 4,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2579% | 1,710 |
| Memoranda: | ||
| Average total assets | $385,007,000 | 1,869 |
| Average earning assets | $345,991,333 | 1,915 |
| Average equity | $33,332,333 | 2,304 |
| Average total loans | $261,584,000 | 1,837 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 2,654 |
| Cost of funding earning assets | 0.3657% | 4,472 |
| Net interest margin | 4.0249% | 1,325 |
| Noninterest income to average assets | 1.7777% | 306 |
| Noninterest expense to average assets | 4.4725% | 313 |
| Loan and lease loss provision to assets | 0.1999% | 1,520 |
| Net operating income to assets | 0.5363% | 3,783 |
| Return on assets (ROA) | 0.5363% | 3,845 |
| Pretax return on assets | 0.6862% | 3,726 |
| Return on Equity (ROE) | 5.8997% | 3,352 |
| Retained earnings to average equity (ytd only) | 3.9453% | 2,702 |
| Net charge-offs to loans | 0.2591% | 569 |
| Credit loss provision to net charge-offs | 114.6497% | 1,728 |
| Earnings coverage of net charge-offs (x) | 5.0828% | 2,086 |
| Efficiency ratio | 83.4646% | 866 |
| Assets per employee ($millions) | 3.3898% | 4,566 |
| Cash dividends to net income (ytd only)* | 33.1263% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 3,963 |
| Loan loss allowance to noncurrent loans | 34.3530% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 3.1694% | 176 |
| Noncurrent loans to loans | 2.7425% | 421 |
| Net loans and leases to total assets | 66.4112% | 2,766 |
| Net loans and leases to deposits | 75.9854% | 3,079 |
| Net loans and leases to core deposits | 76.2777% | 3,477 |
| Total domestic deposits to total assets | 87.4000% | 1,382 |
| Equity capital to assets | 9.2646% | 4,418 |
| Core capital (leverage) ratio | 8.4511% | 4,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2913% | 2,154 |
| Memoranda: | ||
| Average total assets | $360,242,500 | 1,922 |
| Average earning assets | $320,507,000 | 1,973 |
| Average equity | $32,747,500 | 2,314 |
| Average total loans | $242,334,500 | 1,914 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 2,713 |
| Cost of funding earning assets | 0.4316% | 4,335 |
| Net interest margin | 4.1380% | 1,454 |
| Noninterest income to average assets | 1.6398% | 350 |
| Noninterest expense to average assets | 4.2312% | 411 |
| Loan and lease loss provision to assets | 0.0713% | 2,575 |
| Net operating income to assets | 0.7706% | 3,642 |
| Return on assets (ROA) | 0.7643% | 3,745 |
| Pretax return on assets | 0.9838% | 3,502 |
| Return on Equity (ROE) | 8.7802% | 2,851 |
| Retained earnings to average equity (ytd only) | 1.1791% | 4,322 |
| Net charge-offs to loans | 0.0733% | 2,042 |
| Credit loss provision to net charge-offs | 148.2353% | 1,731 |
| Earnings coverage of net charge-offs (x) | 22.1118% | 1,863 |
| Efficiency ratio | 79.9220% | 950 |
| Assets per employee ($millions) | 3.5423% | 4,442 |
| Cash dividends to net income (ytd only)* | 86.5705% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 3,834 |
| Loan loss allowance to noncurrent loans | 32.9381% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 3.2442% | 155 |
| Noncurrent loans to loans | 2.8286% | 350 |
| Net loans and leases to total assets | 66.8711% | 2,853 |
| Net loans and leases to deposits | 75.9174% | 3,191 |
| Net loans and leases to core deposits | 76.3864% | 3,549 |
| Total domestic deposits to total assets | 88.0840% | 1,094 |
| Equity capital to assets | 8.9138% | 4,724 |
| Core capital (leverage) ratio | 8.3897% | 4,906 |
| Tier 1 risk-based capital ratio | 13.0387% | 3,774 |
| Total risk-based capital ratio | 14.1047% | 3,751 |
| Memoranda: | ||
| Average total assets | $353,637,000 | 1,896 |
| Average earning assets | $312,304,000 | 1,954 |
| Average equity | $30,785,200 | 2,348 |
| Average total loans | $231,824,600 | 1,944 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 2,821 |
| Cost of funding earning assets | 0.4330% | 4,392 |
| Net interest margin | 4.1394% | 1,529 |
| Noninterest income to average assets | 1.6778% | 345 |
| Noninterest expense to average assets | 4.2067% | 409 |
| Loan and lease loss provision to assets | 0.0529% | 2,851 |
| Net operating income to assets | 0.8270% | 3,588 |
| Return on assets (ROA) | 0.8187% | 3,694 |
| Pretax return on assets | 1.0584% | 3,421 |
| Return on Equity (ROE) | 9.4615% | 2,690 |
| Retained earnings to average equity (ytd only) | -0.0656% | 4,764 |
| Net charge-offs to loans | 0.0593% | 1,975 |
| Credit loss provision to net charge-offs | 137.2549% | 1,750 |
| Earnings coverage of net charge-offs (x) | 29.0875% | 1,655 |
| Efficiency ratio | 78.9455% | 1,022 |
| Assets per employee ($millions) | 3.4833% | 4,513 |
| Cash dividends to net income (ytd only)* | 100.6929% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,887 |
| Loan loss allowance to noncurrent loans | 32.9500% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 3.6269% | 130 |
| Noncurrent loans to loans | 2.8432% | 367 |
| Net loans and leases to total assets | 66.3032% | 3,015 |
| Net loans and leases to deposits | 75.5597% | 3,339 |
| Net loans and leases to core deposits | 75.9733% | 3,700 |
| Total domestic deposits to total assets | 87.7495% | 1,146 |
| Equity capital to assets | 8.9667% | 4,800 |
| Core capital (leverage) ratio | 8.3565% | 5,004 |
| Tier 1 risk-based capital ratio | 12.9963% | 3,847 |
| Total risk-based capital ratio | 14.0548% | 3,848 |
| Memoranda: | ||
| Average total assets | $352,603,250 | 1,913 |
| Average earning assets | $310,990,750 | 1,966 |
| Average equity | $30,508,750 | 2,374 |
| Average total loans | $229,406,750 | 1,978 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 2,698 |
| Cost of funding earning assets | 0.4148% | 4,452 |
| Net interest margin | 4.1769% | 1,417 |
| Noninterest income to average assets | 1.5558% | 378 |
| Noninterest expense to average assets | 4.1415% | 449 |
| Loan and lease loss provision to assets | 0.0227% | 3,354 |
| Net operating income to assets | 0.8276% | 3,552 |
| Return on assets (ROA) | 0.8150% | 3,659 |
| Pretax return on assets | 1.0571% | 3,361 |
| Return on Equity (ROE) | 9.5349% | 2,614 |
| Retained earnings to average equity (ytd only) | -3.7264% | 5,005 |
| Net charge-offs to loans | -0.0035% | 4,056 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0801% | 1,057 |
| Assets per employee ($millions) | 3.6157% | 4,360 |
| Cash dividends to net income (ytd only)* | 139.0821% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 3,885 |
| Loan loss allowance to noncurrent loans | 97.4879% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 2.3520% | 329 |
| Noncurrent loans to loans | 0.9713% | 1,686 |
| Net loans and leases to total assets | 65.3053% | 3,191 |
| Net loans and leases to deposits | 75.1736% | 3,411 |
| Net loans and leases to core deposits | 75.4964% | 3,767 |
| Total domestic deposits to total assets | 86.8727% | 1,653 |
| Equity capital to assets | 8.6009% | 5,004 |
| Core capital (leverage) ratio | 8.1991% | 5,111 |
| Tier 1 risk-based capital ratio | 12.7437% | 3,983 |
| Total risk-based capital ratio | 13.7983% | 3,993 |
| Memoranda: | ||
| Average total assets | $352,866,330 | 1,923 |
| Average earning assets | $310,996,670 | 1,978 |
| Average equity | $30,163,000 | 2,394 |
| Average total loans | $227,385,670 | 1,999 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 2,793 |
| Cost of funding earning assets | 0.3874% | 4,540 |
| Net interest margin | 4.1346% | 1,466 |
| Noninterest income to average assets | 1.4108% | 431 |
| Noninterest expense to average assets | 4.1064% | 458 |
| Loan and lease loss provision to assets | 0.0454% | 2,739 |
| Net operating income to assets | 0.7031% | 3,920 |
| Return on assets (ROA) | 0.7031% | 3,968 |
| Pretax return on assets | 0.8963% | 3,779 |
| Return on Equity (ROE) | 8.2515% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.2515% | 1,576 |
| Net charge-offs to loans | 0.1373% | 922 |
| Credit loss provision to net charge-offs | 51.9481% | 1,960 |
| Earnings coverage of net charge-offs (x) | 10.7662% | 1,943 |
| Efficiency ratio | 81.3456% | 938 |
| Assets per employee ($millions) | 3.3252% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 3,970 |
| Loan loss allowance to noncurrent loans | 104.3074% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 2.3097% | 366 |
| Noncurrent loans to loans | 0.9095% | 1,837 |
| Net loans and leases to total assets | 63.1225% | 3,389 |
| Net loans and leases to deposits | 72.5661% | 3,562 |
| Net loans and leases to core deposits | 72.8784% | 3,877 |
| Total domestic deposits to total assets | 86.9862% | 1,822 |
| Equity capital to assets | 8.7309% | 4,860 |
| Core capital (leverage) ratio | 8.5573% | 4,975 |
| Tier 1 risk-based capital ratio | 13.3201% | 3,707 |
| Total risk-based capital ratio | 14.3514% | 3,735 |
| Memoranda: | ||
| Average total assets | $352,131,000 | 1,941 |
| Average earning assets | $309,773,500 | 1,999 |
| Average equity | $30,006,500 | 2,412 |
| Average total loans | $224,272,000 | 2,031 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 3,303 |
| Cost of funding earning assets | 0.2720% | 4,699 |
| Net interest margin | 3.9714% | 2,085 |
| Noninterest income to average assets | 1.4977% | 409 |
| Noninterest expense to average assets | 4.1600% | 427 |
| Loan and lease loss provision to assets | 0.0906% | 2,336 |
| Net operating income to assets | 0.5883% | 4,448 |
| Return on assets (ROA) | 0.5444% | 4,555 |
| Pretax return on assets | 0.6784% | 4,466 |
| Return on Equity (ROE) | 7.0089% | 3,818 |
| Retained earnings to average equity (ytd only) | 7.0089% | 1,668 |
| Net charge-offs to loans | 0.1368% | 1,389 |
| Credit loss provision to net charge-offs | 115.3025% | 2,251 |
| Earnings coverage of net charge-offs (x) | 10.4840% | 2,714 |
| Efficiency ratio | 83.4708% | 686 |
| Assets per employee ($millions) | 3.1410% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 3,870 |
| Loan loss allowance to noncurrent loans | 115.3191% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 2.2604% | 373 |
| Noncurrent loans to loans | 0.8396% | 1,926 |
| Net loans and leases to total assets | 63.0365% | 3,460 |
| Net loans and leases to deposits | 72.2836% | 3,648 |
| Net loans and leases to core deposits | 72.8509% | 3,929 |
| Total domestic deposits to total assets | 87.2071% | 1,679 |
| Equity capital to assets | 8.3115% | 5,042 |
| Core capital (leverage) ratio | 8.0597% | 5,223 |
| Tier 1 risk-based capital ratio | 12.8280% | 3,952 |
| Total risk-based capital ratio | 13.8794% | 3,940 |
| Memoranda: | ||
| Average total assets | $357,620,200 | 1,888 |
| Average earning assets | $313,917,200 | 1,954 |
| Average equity | $27,778,800 | 2,468 |
| Average total loans | $205,393,600 | 2,137 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 3,522 |
| Cost of funding earning assets | 0.2306% | 4,887 |
| Net interest margin | 3.9022% | 2,292 |
| Noninterest income to average assets | 1.5569% | 401 |
| Noninterest expense to average assets | 4.1375% | 437 |
| Loan and lease loss provision to assets | 0.1352% | 1,485 |
| Net operating income to assets | 0.5508% | 4,644 |
| Return on assets (ROA) | 0.5276% | 4,706 |
| Pretax return on assets | 0.6788% | 4,581 |
| Return on Equity (ROE) | 6.9112% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.9112% | 2,174 |
| Net charge-offs to loans | 0.1428% | 1,142 |
| Credit loss provision to net charge-offs | 169.3023% | 1,572 |
| Earnings coverage of net charge-offs (x) | 10.5628% | 2,577 |
| Efficiency ratio | 83.0699% | 700 |
| Assets per employee ($millions) | 3.2584% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,509 |
| Loan loss allowance to noncurrent loans | 120.2538% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 2.2287% | 438 |
| Noncurrent loans to loans | 0.8677% | 1,966 |
| Net loans and leases to total assets | 59.6243% | 3,887 |
| Net loans and leases to deposits | 68.3121% | 4,040 |
| Net loans and leases to core deposits | 68.8847% | 4,255 |
| Total domestic deposits to total assets | 87.2822% | 1,607 |
| Equity capital to assets | 7.6686% | 5,274 |
| Core capital (leverage) ratio | 7.8285% | 5,350 |
| Tier 1 risk-based capital ratio | 12.7221% | 4,067 |
| Total risk-based capital ratio | 13.8331% | 4,046 |
| Memoranda: | ||
| Average total assets | $359,077,750 | 1,884 |
| Average earning assets | $315,066,000 | 1,956 |
| Average equity | $27,413,750 | 2,493 |
| Average total loans | $200,761,000 | 2,178 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0521% | 3,609 |
| Cost of funding earning assets | 0.2110% | 4,970 |
| Net interest margin | 3.8411% | 2,414 |
| Noninterest income to average assets | 1.3634% | 517 |
| Noninterest expense to average assets | 4.1278% | 458 |
| Loan and lease loss provision to assets | 0.0977% | 1,982 |
| Net operating income to assets | 0.3931% | 4,970 |
| Return on assets (ROA) | 0.3931% | 4,977 |
| Pretax return on assets | 0.5031% | 4,900 |
| Return on Equity (ROE) | 5.1563% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.1563% | 2,997 |
| Net charge-offs to loans | 0.1630% | 950 |
| Credit loss provision to net charge-offs | 110.0629% | 1,893 |
| Earnings coverage of net charge-offs (x) | 6.7673% | 2,593 |
| Efficiency ratio | 87.2948% | 508 |
| Assets per employee ($millions) | 3.1607% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,444 |
| Loan loss allowance to noncurrent loans | 147.1478% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 2.3649% | 383 |
| Noncurrent loans to loans | 0.7262% | 2,296 |
| Net loans and leases to total assets | 55.0124% | 4,246 |
| Net loans and leases to deposits | 61.6546% | 4,440 |
| Net loans and leases to core deposits | 62.3099% | 4,588 |
| Total domestic deposits to total assets | 89.2267% | 842 |
| Equity capital to assets | 7.5855% | 5,353 |
| Core capital (leverage) ratio | 7.6497% | 5,423 |
| Tier 1 risk-based capital ratio | 12.9047% | 3,949 |
| Total risk-based capital ratio | 14.0088% | 3,936 |
| Memoranda: | ||
| Average total assets | $358,209,330 | 1,897 |
| Average earning assets | $313,813,670 | 1,969 |
| Average equity | $27,306,330 | 2,514 |
| Average total loans | $195,039,670 | 2,227 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 3,513 |
| Cost of funding earning assets | 0.2062% | 4,979 |
| Net interest margin | 3.8213% | 2,331 |
| Noninterest income to average assets | 1.1368% | 722 |
| Noninterest expense to average assets | 4.1181% | 456 |
| Loan and lease loss provision to assets | 0.1512% | 1,198 |
| Net operating income to assets | 0.1770% | 5,270 |
| Return on assets (ROA) | 0.1770% | 5,265 |
| Pretax return on assets | 0.2094% | 5,253 |
| Return on Equity (ROE) | 2.3156% | 5,134 |
| Retained earnings to average equity (ytd only) | 2.3156% | 4,237 |
| Net charge-offs to loans | 0.3223% | 474 |
| Credit loss provision to net charge-offs | 87.0968% | 1,685 |
| Earnings coverage of net charge-offs (x) | 2.0774% | 2,495 |
| Efficiency ratio | 91.9480% | 366 |
| Assets per employee ($millions) | 3.1749% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,313 |
| Loan loss allowance to noncurrent loans | 108.6171% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 2.5095% | 369 |
| Noncurrent loans to loans | 1.0218% | 1,789 |
| Net loans and leases to total assets | 51.8227% | 4,447 |
| Net loans and leases to deposits | 57.4769% | 4,612 |
| Net loans and leases to core deposits | 58.0425% | 4,751 |
| Total domestic deposits to total assets | 90.1626% | 596 |
| Equity capital to assets | 7.4418% | 5,435 |
| Core capital (leverage) ratio | 7.5087% | 5,509 |
| Tier 1 risk-based capital ratio | 12.9952% | 3,948 |
| Total risk-based capital ratio | 14.1228% | 3,914 |
| Memoranda: | ||
| Average total assets | $357,155,500 | 1,911 |
| Average earning assets | $312,358,000 | 1,992 |
| Average equity | $27,293,500 | 2,536 |
| Average total loans | $192,379,500 | 2,252 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,908 |
| Cost of funding earning assets | 0.2142% | 4,832 |
| Net interest margin | 3.6282% | 3,070 |
| Noninterest income to average assets | 1.5918% | 412 |
| Noninterest expense to average assets | 3.9256% | 598 |
| Loan and lease loss provision to assets | 0.0392% | 3,488 |
| Net operating income to assets | 0.4019% | 4,686 |
| Return on assets (ROA) | 0.4019% | 4,706 |
| Pretax return on assets | 0.8016% | 4,234 |
| Return on Equity (ROE) | 5.2974% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.2974% | 1,933 |
| Net charge-offs to loans | 0.1489% | 1,603 |
| Credit loss provision to net charge-offs | 47.7816% | 3,355 |
| Earnings coverage of net charge-offs (x) | 10.2594% | 2,698 |
| Efficiency ratio | 82.3602% | 904 |
| Assets per employee ($millions) | 3.2033% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,406 |
| Loan loss allowance to noncurrent loans | 101.3352% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 2.6648% | 330 |
| Noncurrent loans to loans | 1.0749% | 1,655 |
| Net loans and leases to total assets | 54.7611% | 4,293 |
| Net loans and leases to deposits | 61.1395% | 4,500 |
| Net loans and leases to core deposits | 61.8091% | 4,669 |
| Total domestic deposits to total assets | 89.5674% | 744 |
| Equity capital to assets | 7.8475% | 5,441 |
| Core capital (leverage) ratio | 7.4101% | 5,570 |
| Tier 1 risk-based capital ratio | 12.7029% | 4,086 |
| Total risk-based capital ratio | 13.8278% | 4,056 |
| Memoranda: | ||
| Average total assets | $357,521,600 | 1,879 |
| Average earning assets | $312,823,600 | 1,971 |
| Average equity | $27,126,600 | 2,537 |
| Average total loans | $196,790,400 | 2,181 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7795% | 4,072 |
| Cost of funding earning assets | 0.2144% | 4,852 |
| Net interest margin | 3.5651% | 3,274 |
| Noninterest income to average assets | 1.6231% | 420 |
| Noninterest expense to average assets | 3.9017% | 590 |
| Loan and lease loss provision to assets | 0.0464% | 3,174 |
| Net operating income to assets | 0.5106% | 4,702 |
| Return on assets (ROA) | 0.5106% | 4,734 |
| Pretax return on assets | 0.7948% | 4,362 |
| Return on Equity (ROE) | 6.7862% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.7862% | 1,803 |
| Net charge-offs to loans | 0.1792% | 1,175 |
| Credit loss provision to net charge-offs | 47.1698% | 2,943 |
| Earnings coverage of net charge-offs (x) | 8.5435% | 2,769 |
| Efficiency ratio | 82.2626% | 893 |
| Assets per employee ($millions) | 3.3875% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 3,394 |
| Loan loss allowance to noncurrent loans | 115.1319% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 2.5473% | 417 |
| Noncurrent loans to loans | 0.9708% | 1,983 |
| Net loans and leases to total assets | 52.6780% | 4,523 |
| Net loans and leases to deposits | 58.7452% | 4,699 |
| Net loans and leases to core deposits | 59.3768% | 4,846 |
| Total domestic deposits to total assets | 89.6719% | 590 |
| Equity capital to assets | 7.7932% | 5,573 |
| Core capital (leverage) ratio | 7.1722% | 5,658 |
| Tier 1 risk-based capital ratio | 12.3978% | 4,381 |
| Total risk-based capital ratio | 13.5297% | 4,344 |
| Memoranda: | ||
| Average total assets | $358,810,250 | 1,887 |
| Average earning assets | $313,999,000 | 1,982 |
| Average equity | $26,995,250 | 2,563 |
| Average total loans | $197,216,750 | 2,187 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 4,102 |
| Cost of funding earning assets | 0.2154% | 4,838 |
| Net interest margin | 3.5249% | 3,309 |
| Noninterest income to average assets | 1.6107% | 432 |
| Noninterest expense to average assets | 3.8883% | 599 |
| Loan and lease loss provision to assets | 0.0669% | 2,632 |
| Net operating income to assets | 0.4806% | 4,760 |
| Return on assets (ROA) | 0.4806% | 4,791 |
| Pretax return on assets | 0.7387% | 4,458 |
| Return on Equity (ROE) | 6.4652% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.4652% | 1,869 |
| Net charge-offs to loans | 0.1827% | 1,088 |
| Credit loss provision to net charge-offs | 65.9341% | 2,418 |
| Earnings coverage of net charge-offs (x) | 7.9396% | 2,557 |
| Efficiency ratio | 82.8364% | 934 |
| Assets per employee ($millions) | 3.3282% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,505 |
| Loan loss allowance to noncurrent loans | 58.6399% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 2.7248% | 363 |
| Noncurrent loans to loans | 1.8994% | 913 |
| Net loans and leases to total assets | 54.7358% | 4,339 |
| Net loans and leases to deposits | 61.1040% | 4,557 |
| Net loans and leases to core deposits | 61.8692% | 4,724 |
| Total domestic deposits to total assets | 89.5780% | 699 |
| Equity capital to assets | 7.5834% | 5,642 |
| Core capital (leverage) ratio | 6.9270% | 5,720 |
| Tier 1 risk-based capital ratio | 11.6853% | 4,846 |
| Total risk-based capital ratio | 12.8255% | 4,797 |
| Memoranda: | ||
| Average total assets | $358,720,330 | 1,892 |
| Average earning assets | $313,769,330 | 1,988 |
| Average equity | $26,665,670 | 2,585 |
| Average total loans | $199,191,000 | 2,172 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 4,306 |
| Cost of funding earning assets | 0.2163% | 4,832 |
| Net interest margin | 3.4229% | 3,558 |
| Noninterest income to average assets | 1.5939% | 437 |
| Noninterest expense to average assets | 3.7895% | 687 |
| Loan and lease loss provision to assets | 0.1116% | 1,722 |
| Net operating income to assets | 0.4409% | 4,810 |
| Return on assets (ROA) | 0.4409% | 4,833 |
| Pretax return on assets | 0.6775% | 4,515 |
| Return on Equity (ROE) | 5.9918% | 3,912 |
| Retained earnings to average equity (ytd only) | 5.9918% | 2,341 |
| Net charge-offs to loans | 0.1224% | 1,187 |
| Credit loss provision to net charge-offs | 163.9344% | 1,150 |
| Earnings coverage of net charge-offs (x) | 11.5902% | 1,880 |
| Efficiency ratio | 82.7645% | 1,090 |
| Assets per employee ($millions) | 3.3692% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 3,286 |
| Loan loss allowance to noncurrent loans | 56.1697% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.8562% | 363 |
| Noncurrent loans to loans | 2.0905% | 838 |
| Net loans and leases to total assets | 53.5910% | 4,372 |
| Net loans and leases to deposits | 59.2876% | 4,618 |
| Net loans and leases to core deposits | 60.0026% | 4,775 |
| Total domestic deposits to total assets | 90.3914% | 513 |
| Equity capital to assets | 7.3072% | 5,719 |
| Core capital (leverage) ratio | 6.8233% | 5,774 |
| Tier 1 risk-based capital ratio | 11.3761% | 5,102 |
| Total risk-based capital ratio | 12.5685% | 5,038 |
| Memoranda: | ||
| Average total assets | $358,359,000 | 1,900 |
| Average earning assets | $312,480,500 | 2,011 |
| Average equity | $26,369,500 | 2,611 |
| Average total loans | $199,306,500 | 2,192 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5967% | 4,512 |
| Cost of funding earning assets | 0.2351% | 4,695 |
| Net interest margin | 3.3616% | 3,956 |
| Noninterest income to average assets | 1.5249% | 518 |
| Noninterest expense to average assets | 3.9174% | 674 |
| Loan and lease loss provision to assets | 0.0354% | 3,658 |
| Net operating income to assets | 0.2818% | 5,255 |
| Return on assets (ROA) | 0.2835% | 5,320 |
| Pretax return on assets | 0.4712% | 5,089 |
| Return on Equity (ROE) | 3.7277% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.7277% | 3,267 |
| Net charge-offs to loans | 0.1326% | 1,920 |
| Credit loss provision to net charge-offs | 48.6275% | 3,396 |
| Earnings coverage of net charge-offs (x) | 6.9176% | 3,099 |
| Efficiency ratio | 88.5988% | 633 |
| Assets per employee ($millions) | 3.3604% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,540 |
| Loan loss allowance to noncurrent loans | 53.1374% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 2.9721% | 345 |
| Noncurrent loans to loans | 2.1297% | 816 |
| Net loans and leases to total assets | 56.4030% | 4,225 |
| Net loans and leases to deposits | 63.0515% | 4,469 |
| Net loans and leases to core deposits | 63.7901% | 4,646 |
| Total domestic deposits to total assets | 89.4554% | 879 |
| Equity capital to assets | 7.4112% | 5,731 |
| Core capital (leverage) ratio | 6.5858% | 5,836 |
| Tier 1 risk-based capital ratio | 11.0150% | 5,340 |
| Total risk-based capital ratio | 12.1804% | 5,267 |
| Memoranda: | ||
| Average total assets | $349,930,400 | 1,904 |
| Average earning assets | $301,523,600 | 2,033 |
| Average equity | $26,611,800 | 2,594 |
| Average total loans | $192,288,800 | 2,188 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 4,646 |
| Cost of funding earning assets | 0.2366% | 4,735 |
| Net interest margin | 3.3288% | 4,099 |
| Noninterest income to average assets | 1.4005% | 604 |
| Noninterest expense to average assets | 3.9117% | 665 |
| Loan and lease loss provision to assets | 0.0244% | 3,757 |
| Net operating income to assets | 0.2240% | 5,429 |
| Return on assets (ROA) | 0.2264% | 5,491 |
| Pretax return on assets | 0.3261% | 5,417 |
| Return on Equity (ROE) | 2.9582% | 5,230 |
| Retained earnings to average equity (ytd only) | 2.9582% | 4,135 |
| Net charge-offs to loans | 0.1986% | 1,177 |
| Credit loss provision to net charge-offs | 22.6148% | 3,277 |
| Earnings coverage of net charge-offs (x) | 3.2120% | 3,453 |
| Efficiency ratio | 91.8505% | 470 |
| Assets per employee ($millions) | 3.3522% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,731 |
| Loan loss allowance to noncurrent loans | 55.8531% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.9608% | 391 |
| Noncurrent loans to loans | 2.0060% | 976 |
| Net loans and leases to total assets | 53.8830% | 4,499 |
| Net loans and leases to deposits | 60.2555% | 4,741 |
| Net loans and leases to core deposits | 61.0411% | 4,888 |
| Total domestic deposits to total assets | 89.4241% | 711 |
| Equity capital to assets | 7.6628% | 5,816 |
| Core capital (leverage) ratio | 6.3709% | 5,912 |
| Tier 1 risk-based capital ratio | 10.9166% | 5,412 |
| Total risk-based capital ratio | 12.0726% | 5,375 |
| Memoranda: | ||
| Average total assets | $349,201,750 | 1,909 |
| Average earning assets | $299,843,000 | 2,046 |
| Average equity | $26,727,250 | 2,608 |
| Average total loans | $190,037,750 | 2,211 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 4,633 |
| Cost of funding earning assets | 0.2392% | 4,763 |
| Net interest margin | 3.3473% | 4,071 |
| Noninterest income to average assets | 1.4137% | 578 |
| Noninterest expense to average assets | 3.8140% | 754 |
| Loan and lease loss provision to assets | -0.0092% | 5,765 |
| Net operating income to assets | 0.3088% | 5,300 |
| Return on assets (ROA) | 0.3127% | 5,377 |
| Pretax return on assets | 0.4693% | 5,202 |
| Return on Equity (ROE) | 4.0869% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.0869% | 3,302 |
| Net charge-offs to loans | 0.1126% | 1,700 |
| Credit loss provision to net charge-offs | -15.0943% | 4,469 |
| Earnings coverage of net charge-offs (x) | 7.4151% | 2,633 |
| Efficiency ratio | 89.3568% | 632 |
| Assets per employee ($millions) | 3.1562% | 5,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 3,482 |
| Loan loss allowance to noncurrent loans | 48.2795% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 4.5990% | 169 |
| Noncurrent loans to loans | 2.4380% | 733 |
| Net loans and leases to total assets | 54.8085% | 4,430 |
| Net loans and leases to deposits | 61.4586% | 4,698 |
| Net loans and leases to core deposits | 62.2801% | 4,865 |
| Total domestic deposits to total assets | 89.1796% | 828 |
| Equity capital to assets | 7.8327% | 5,854 |
| Core capital (leverage) ratio | 6.4402% | 5,978 |
| Tier 1 risk-based capital ratio | 10.7557% | 5,547 |
| Total risk-based capital ratio | 11.9442% | 5,503 |
| Memoranda: | ||
| Average total assets | $346,041,330 | 1,926 |
| Average earning assets | $295,102,330 | 2,085 |
| Average equity | $26,474,670 | 2,632 |
| Average total loans | $188,230,670 | 2,231 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 4,442 |
| Cost of funding earning assets | 0.2342% | 4,865 |
| Net interest margin | 3.4285% | 3,771 |
| Noninterest income to average assets | 1.2213% | 722 |
| Noninterest expense to average assets | 3.8361% | 737 |
| Loan and lease loss provision to assets | -0.2163% | 6,029 |
| Net operating income to assets | 0.3141% | 5,263 |
| Return on assets (ROA) | 0.3141% | 5,349 |
| Pretax return on assets | 0.5130% | 5,050 |
| Return on Equity (ROE) | 4.1552% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.1552% | 3,409 |
| Net charge-offs to loans | 0.0475% | 2,083 |
| Credit loss provision to net charge-offs | -845.4545% | 4,714 |
| Earnings coverage of net charge-offs (x) | 11.5909% | 1,849 |
| Efficiency ratio | 92.8230% | 506 |
| Assets per employee ($millions) | 3.2553% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,526 |
| Loan loss allowance to noncurrent loans | 96.3239% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 4.2358% | 221 |
| Noncurrent loans to loans | 1.2377% | 1,950 |
| Net loans and leases to total assets | 52.3705% | 4,600 |
| Net loans and leases to deposits | 58.5894% | 4,811 |
| Net loans and leases to core deposits | 59.3130% | 4,980 |
| Total domestic deposits to total assets | 89.3856% | 899 |
| Equity capital to assets | 7.6464% | 5,919 |
| Core capital (leverage) ratio | 6.4930% | 6,030 |
| Tier 1 risk-based capital ratio | 10.2761% | 5,840 |
| Total risk-based capital ratio | 11.3919% | 5,810 |
| Memoranda: | ||
| Average total assets | $343,893,000 | 1,949 |
| Average earning assets | $292,023,000 | 2,113 |
| Average equity | $25,991,500 | 2,660 |
| Average total loans | $185,195,000 | 2,262 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 4,580 |
| Cost of funding earning assets | 0.2397% | 4,896 |
| Net interest margin | 3.3933% | 3,940 |
| Noninterest income to average assets | 1.4760% | 568 |
| Noninterest expense to average assets | 3.9682% | 700 |
| Loan and lease loss provision to assets | 0.1279% | 1,886 |
| Net operating income to assets | 0.1441% | 5,691 |
| Return on assets (ROA) | 0.1524% | 5,723 |
| Pretax return on assets | 0.2497% | 5,613 |
| Return on Equity (ROE) | 2.0567% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.0567% | 4,558 |
| Net charge-offs to loans | 0.3758% | 771 |
| Credit loss provision to net charge-offs | 63.5036% | 3,219 |
| Earnings coverage of net charge-offs (x) | 1.8102% | 4,028 |
| Efficiency ratio | 91.5824% | 595 |
| Assets per employee ($millions) | 3.1432% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,927 |
| Loan loss allowance to noncurrent loans | 82.5283% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 4.9416% | 176 |
| Noncurrent loans to loans | 1.5713% | 1,465 |
| Net loans and leases to total assets | 54.0151% | 4,499 |
| Net loans and leases to deposits | 60.1756% | 4,763 |
| Net loans and leases to core deposits | 60.9337% | 4,929 |
| Total domestic deposits to total assets | 89.7625% | 730 |
| Equity capital to assets | 7.4673% | 5,991 |
| Core capital (leverage) ratio | 6.3988% | 6,100 |
| Tier 1 risk-based capital ratio | 10.0291% | 5,946 |
| Total risk-based capital ratio | 11.2359% | 5,904 |
| Memoranda: | ||
| Average total assets | $339,981,400 | 1,923 |
| Average earning assets | $286,238,400 | 2,096 |
| Average equity | $25,186,200 | 2,674 |
| Average total loans | $182,262,400 | 2,216 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 4,696 |
| Cost of funding earning assets | 0.2385% | 5,007 |
| Net interest margin | 3.3736% | 4,064 |
| Noninterest income to average assets | 1.4501% | 585 |
| Noninterest expense to average assets | 3.9155% | 728 |
| Loan and lease loss provision to assets | 0.1901% | 1,070 |
| Net operating income to assets | 0.1132% | 5,828 |
| Return on assets (ROA) | 0.1243% | 5,855 |
| Pretax return on assets | 0.2007% | 5,790 |
| Return on Equity (ROE) | 1.6809% | 5,738 |
| Retained earnings to average equity (ytd only) | 1.6809% | 5,031 |
| Net charge-offs to loans | 0.4631% | 543 |
| Credit loss provision to net charge-offs | 76.9841% | 2,660 |
| Earnings coverage of net charge-offs (x) | 1.5127% | 3,819 |
| Efficiency ratio | 91.2896% | 611 |
| Assets per employee ($millions) | 3.2733% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 2,621 |
| Loan loss allowance to noncurrent loans | 123.1146% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 5.1968% | 180 |
| Noncurrent loans to loans | 1.1343% | 2,239 |
| Net loans and leases to total assets | 52.6500% | 4,696 |
| Net loans and leases to deposits | 58.7238% | 4,939 |
| Net loans and leases to core deposits | 59.5248% | 5,098 |
| Total domestic deposits to total assets | 89.6571% | 708 |
| Equity capital to assets | 7.5699% | 6,064 |
| Core capital (leverage) ratio | 6.2645% | 6,187 |
| Tier 1 risk-based capital ratio | 9.9490% | 6,055 |
| Total risk-based capital ratio | 11.1992% | 6,015 |
| Memoranda: | ||
| Average total assets | $340,110,250 | 1,937 |
| Average earning assets | $286,216,500 | 2,106 |
| Average equity | $25,145,500 | 2,706 |
| Average total loans | $181,385,000 | 2,233 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,783 |
| Cost of funding earning assets | 0.2373% | 5,078 |
| Net interest margin | 3.3397% | 4,141 |
| Noninterest income to average assets | 1.3967% | 647 |
| Noninterest expense to average assets | 3.9033% | 762 |
| Loan and lease loss provision to assets | 0.2609% | 648 |
| Net operating income to assets | 0.0275% | 5,962 |
| Return on assets (ROA) | 0.0440% | 5,986 |
| Pretax return on assets | 0.0721% | 5,957 |
| Return on Equity (ROE) | 0.5995% | 5,954 |
| Retained earnings to average equity (ytd only) | 0.5995% | 5,320 |
| Net charge-offs to loans | 0.5796% | 419 |
| Credit loss provision to net charge-offs | 84.4402% | 2,280 |
| Earnings coverage of net charge-offs (x) | 0.9943% | 3,590 |
| Efficiency ratio | 92.7030% | 599 |
| Assets per employee ($millions) | 2.9876% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 2,685 |
| Loan loss allowance to noncurrent loans | 140.9737% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 5.2641% | 198 |
| Noncurrent loans to loans | 1.0039% | 2,636 |
| Net loans and leases to total assets | 53.6510% | 4,591 |
| Net loans and leases to deposits | 59.3264% | 4,907 |
| Net loans and leases to core deposits | 60.1836% | 5,064 |
| Total domestic deposits to total assets | 90.4336% | 481 |
| Equity capital to assets | 7.3979% | 6,130 |
| Core capital (leverage) ratio | 6.0716% | 6,266 |
| Tier 1 risk-based capital ratio | 9.7631% | 6,154 |
| Total risk-based capital ratio | 11.0136% | 6,115 |
| Memoranda: | ||
| Average total assets | $341,097,330 | 1,943 |
| Average earning assets | $287,389,330 | 2,117 |
| Average equity | $25,020,000 | 2,724 |
| Average total loans | $181,839,000 | 2,249 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 4,888 |
| Cost of funding earning assets | 0.2338% | 5,177 |
| Net interest margin | 3.2954% | 4,240 |
| Noninterest income to average assets | 1.3057% | 675 |
| Noninterest expense to average assets | 3.8671% | 808 |
| Loan and lease loss provision to assets | 0.5402% | 185 |
| Net operating income to assets | -0.1953% | 6,144 |
| Return on assets (ROA) | -0.1626% | 6,149 |
| Pretax return on assets | -0.2672% | 6,181 |
| Return on Equity (ROE) | -2.2264% | 6,179 |
| Retained earnings to average equity (ytd only) | -2.2264% | 5,708 |
| Net charge-offs to loans | 1.1403% | 200 |
| Credit loss provision to net charge-offs | 89.7683% | 1,743 |
| Earnings coverage of net charge-offs (x) | 0.3687% | 3,065 |
| Efficiency ratio | 94.5739% | 563 |
| Assets per employee ($millions) | 3.2019% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 2,750 |
| Loan loss allowance to noncurrent loans | 140.3339% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 5.2585% | 224 |
| Noncurrent loans to loans | 1.0251% | 2,714 |
| Net loans and leases to total assets | 52.1144% | 4,652 |
| Net loans and leases to deposits | 57.6771% | 4,938 |
| Net loans and leases to core deposits | 58.2801% | 5,106 |
| Total domestic deposits to total assets | 90.3554% | 585 |
| Equity capital to assets | 7.3784% | 6,208 |
| Core capital (leverage) ratio | 5.9222% | 6,333 |
| Tier 1 risk-based capital ratio | 9.0986% | 6,311 |
| Total risk-based capital ratio | 10.3484% | 6,299 |
| Memoranda: | ||
| Average total assets | $344,342,500 | 1,932 |
| Average earning assets | $290,829,500 | 2,111 |
| Average equity | $25,153,000 | 2,733 |
| Average total loans | $181,710,000 | 2,262 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,510 |
| Cost of funding earning assets | 0.2986% | 4,812 |
| Net interest margin | 3.1119% | 5,175 |
| Noninterest income to average assets | 1.2135% | 810 |
| Noninterest expense to average assets | 3.8462% | 921 |
| Loan and lease loss provision to assets | 0.0928% | 2,615 |
| Net operating income to assets | -0.0486% | 6,123 |
| Return on assets (ROA) | -0.0508% | 6,133 |
| Pretax return on assets | -0.0905% | 6,135 |
| Return on Equity (ROE) | -0.7506% | 6,153 |
| Retained earnings to average equity (ytd only) | -0.7506% | 5,885 |
| Net charge-offs to loans | 0.2032% | 2,042 |
| Credit loss provision to net charge-offs | 91.0364% | 2,624 |
| Earnings coverage of net charge-offs (x) | 0.0560% | 4,704 |
| Efficiency ratio | 99.8518% | 369 |
| Assets per employee ($millions) | 3.2649% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 2,652 |
| Loan loss allowance to noncurrent loans | 77.3190% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 5.6248% | 220 |
| Noncurrent loans to loans | 1.8868% | 1,498 |
| Net loans and leases to total assets | 51.8980% | 4,798 |
| Net loans and leases to deposits | 57.8042% | 5,078 |
| Net loans and leases to core deposits | 58.4061% | 5,237 |
| Total domestic deposits to total assets | 89.7823% | 842 |
| Equity capital to assets | 7.2316% | 6,298 |
| Core capital (leverage) ratio | 5.6594% | 6,429 |
| Tier 1 risk-based capital ratio | 8.7898% | 6,420 |
| Total risk-based capital ratio | 10.0399% | 6,419 |
| Memoranda: | ||
| Average total assets | $350,317,400 | 1,854 |
| Average earning assets | $297,018,000 | 2,017 |
| Average equity | $23,714,400 | 2,779 |
| Average total loans | $175,710,400 | 2,275 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3615% | 5,652 |
| Cost of funding earning assets | 0.3090% | 4,793 |
| Net interest margin | 3.0525% | 5,377 |
| Noninterest income to average assets | 1.1778% | 864 |
| Noninterest expense to average assets | 3.7778% | 1,003 |
| Loan and lease loss provision to assets | 0.0607% | 3,146 |
| Net operating income to assets | -0.0457% | 6,179 |
| Return on assets (ROA) | -0.0372% | 6,179 |
| Pretax return on assets | -0.0607% | 6,179 |
| Return on Equity (ROE) | -0.5587% | 6,196 |
| Retained earnings to average equity (ytd only) | -0.5587% | 5,883 |
| Net charge-offs to loans | 0.2267% | 1,686 |
| Credit loss provision to net charge-offs | 54.0541% | 3,043 |
| Earnings coverage of net charge-offs (x) | -0.1183% | 4,465 |
| Efficiency ratio | 100.3528% | 355 |
| Assets per employee ($millions) | 3.2469% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 3,044 |
| Loan loss allowance to noncurrent loans | 151.7221% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 5.0261% | 338 |
| Noncurrent loans to loans | 0.9409% | 3,210 |
| Net loans and leases to total assets | 50.3107% | 4,972 |
| Net loans and leases to deposits | 57.5984% | 5,130 |
| Net loans and leases to core deposits | 58.2083% | 5,318 |
| Total domestic deposits to total assets | 87.3473% | 2,125 |
| Equity capital to assets | 6.9142% | 6,397 |
| Core capital (leverage) ratio | 5.6678% | 6,496 |
| Tier 1 risk-based capital ratio | 8.9043% | 6,486 |
| Total risk-based capital ratio | 10.1361% | 6,488 |
| Memoranda: | ||
| Average total assets | $351,377,500 | 1,867 |
| Average earning assets | $297,756,500 | 2,022 |
| Average equity | $23,386,250 | 2,821 |
| Average total loans | $174,071,500 | 2,304 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2797% | 5,828 |
| Cost of funding earning assets | 0.3094% | 4,885 |
| Net interest margin | 2.9703% | 5,591 |
| Noninterest income to average assets | 1.0403% | 1,098 |
| Noninterest expense to average assets | 3.7769% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1491% | 6,289 |
| Return on assets (ROA) | -0.1348% | 6,293 |
| Pretax return on assets | -0.2031% | 6,316 |
| Return on Equity (ROE) | -2.0520% | 6,335 |
| Retained earnings to average equity (ytd only) | -2.0520% | 5,998 |
| Net charge-offs to loans | 0.2842% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.6122% | 4,233 |
| Efficiency ratio | 106.3251% | 288 |
| Assets per employee ($millions) | 3.2065% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 3,394 |
| Loan loss allowance to noncurrent loans | 163.7216% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 4.9511% | 369 |
| Noncurrent loans to loans | 0.8505% | 3,577 |
| Net loans and leases to total assets | 49.1123% | 5,062 |
| Net loans and leases to deposits | 55.6752% | 5,220 |
| Net loans and leases to core deposits | 56.2543% | 5,394 |
| Total domestic deposits to total assets | 88.2122% | 1,782 |
| Equity capital to assets | 6.8991% | 6,456 |
| Core capital (leverage) ratio | 5.5711% | 6,562 |
| Tier 1 risk-based capital ratio | 8.8048% | 6,546 |
| Total risk-based capital ratio | 10.0549% | 6,546 |
| Memoranda: | ||
| Average total assets | $351,613,670 | 1,866 |
| Average earning assets | $297,343,000 | 2,025 |
| Average equity | $23,099,670 | 2,837 |
| Average total loans | $172,435,670 | 2,319 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2637% | 5,910 |
| Cost of funding earning assets | 0.2951% | 5,115 |
| Net interest margin | 2.9686% | 5,600 |
| Noninterest income to average assets | 1.0015% | 1,126 |
| Noninterest expense to average assets | 3.7965% | 987 |
| Loan and lease loss provision to assets | -0.1139% | 6,509 |
| Net operating income to assets | -0.1328% | 6,303 |
| Return on assets (ROA) | -0.1253% | 6,312 |
| Pretax return on assets | -0.1720% | 6,327 |
| Return on Equity (ROE) | -1.9571% | 6,353 |
| Retained earnings to average equity (ytd only) | -1.9571% | 5,855 |
| Net charge-offs to loans | 0.0094% | 3,436 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | -65.0000% | 3,642 |
| Efficiency ratio | 108.4635% | 293 |
| Assets per employee ($millions) | 3.3490% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 3,022 |
| Loan loss allowance to noncurrent loans | 128.8989% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 5.2611% | 377 |
| Noncurrent loans to loans | 1.1856% | 3,066 |
| Net loans and leases to total assets | 47.8591% | 5,152 |
| Net loans and leases to deposits | 54.0833% | 5,279 |
| Net loans and leases to core deposits | 54.6503% | 5,455 |
| Total domestic deposits to total assets | 88.4915% | 1,940 |
| Equity capital to assets | 6.5853% | 6,512 |
| Core capital (leverage) ratio | 5.6671% | 6,618 |
| Tier 1 risk-based capital ratio | 9.0565% | 6,591 |
| Total risk-based capital ratio | 10.3078% | 6,587 |
| Memoranda: | ||
| Average total assets | $351,064,500 | 1,869 |
| Average earning assets | $295,493,000 | 2,043 |
| Average equity | $22,482,500 | 2,892 |
| Average total loans | $170,818,000 | 2,336 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3322% | 5,948 |
| Cost of funding earning assets | 0.3687% | 4,968 |
| Net interest margin | 2.9635% | 5,656 |
| Noninterest income to average assets | 1.3336% | 780 |
| Noninterest expense to average assets | 3.8475% | 1,060 |
| Loan and lease loss provision to assets | -0.4315% | 6,725 |
| Net operating income to assets | 0.1971% | 5,828 |
| Return on assets (ROA) | 0.2200% | 5,835 |
| Pretax return on assets | 0.3555% | 5,594 |
| Return on Equity (ROE) | 3.3697% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.3697% | 3,829 |
| Net charge-offs to loans | 0.0108% | 5,235 |
| Credit loss provision to net charge-offs | -8,638.8889% | 6,404 |
| Earnings coverage of net charge-offs (x) | -22.3889% | 5,447 |
| Efficiency ratio | 102.9934% | 400 |
| Assets per employee ($millions) | 3.4353% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 2,913 |
| Loan loss allowance to noncurrent loans | 153.9165% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 5.2665% | 429 |
| Noncurrent loans to loans | 1.0147% | 3,481 |
| Net loans and leases to total assets | 47.9508% | 5,295 |
| Net loans and leases to deposits | 54.9959% | 5,384 |
| Net loans and leases to core deposits | 55.4331% | 5,584 |
| Total domestic deposits to total assets | 87.1896% | 2,628 |
| Equity capital to assets | 6.2257% | 6,599 |
| Core capital (leverage) ratio | 5.6707% | 6,678 |
| Tier 1 risk-based capital ratio | 9.0516% | 6,659 |
| Total risk-based capital ratio | 10.3032% | 6,642 |
| Memoranda: | ||
| Average total assets | $360,386,000 | 1,799 |
| Average earning assets | $292,116,800 | 2,029 |
| Average equity | $23,533,400 | 2,765 |
| Average total loans | $166,904,800 | 2,340 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3221% | 6,023 |
| Cost of funding earning assets | 0.3833% | 4,965 |
| Net interest margin | 2.9388% | 5,717 |
| Noninterest income to average assets | 1.4161% | 736 |
| Noninterest expense to average assets | 3.7952% | 1,087 |
| Loan and lease loss provision to assets | -0.6500% | 6,852 |
| Net operating income to assets | 0.3853% | 5,298 |
| Return on assets (ROA) | 0.3874% | 5,431 |
| Pretax return on assets | 0.6349% | 4,900 |
| Return on Equity (ROE) | 5.8664% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.8664% | 2,503 |
| Net charge-offs to loans | -0.0805% | 6,447 |
| Credit loss provision to net charge-offs | 1,765.0000% | 188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4876% | 450 |
| Assets per employee ($millions) | 3.3698% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 3,013 |
| Loan loss allowance to noncurrent loans | 131.0640% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 5.7976% | 433 |
| Noncurrent loans to loans | 1.2181% | 3,371 |
| Net loans and leases to total assets | 45.7105% | 5,574 |
| Net loans and leases to deposits | 52.6824% | 5,659 |
| Net loans and leases to core deposits | 53.1591% | 5,818 |
| Total domestic deposits to total assets | 86.7662% | 2,818 |
| Equity capital to assets | 6.6464% | 6,619 |
| Core capital (leverage) ratio | 5.7050% | 6,745 |
| Tier 1 risk-based capital ratio | 9.5091% | 6,683 |
| Total risk-based capital ratio | 10.7608% | 6,660 |
| Memoranda: | ||
| Average total assets | $362,023,000 | 1,805 |
| Average earning assets | $290,809,750 | 2,044 |
| Average equity | $23,909,500 | 2,768 |
| Average total loans | $165,541,000 | 2,362 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2180% | 6,207 |
| Cost of funding earning assets | 0.3934% | 4,998 |
| Net interest margin | 2.8246% | 5,955 |
| Noninterest income to average assets | 1.3966% | 805 |
| Noninterest expense to average assets | 3.6947% | 1,254 |
| Loan and lease loss provision to assets | -0.5986% | 6,883 |
| Net operating income to assets | 0.3356% | 5,465 |
| Return on assets (ROA) | 0.3744% | 5,479 |
| Pretax return on assets | 0.6139% | 4,976 |
| Return on Equity (ROE) | 5.6811% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.6811% | 2,621 |
| Net charge-offs to loans | 0.0397% | 4,122 |
| Credit loss provision to net charge-offs | -3,318.1818% | 6,190 |
| Earnings coverage of net charge-offs (x) | -2.5152% | 4,782 |
| Efficiency ratio | 101.2433% | 447 |
| Assets per employee ($millions) | 3.2245% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 2,204 |
| Loan loss allowance to noncurrent loans | 133.4468% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 5.5615% | 519 |
| Noncurrent loans to loans | 1.3992% | 3,199 |
| Net loans and leases to total assets | 45.6367% | 5,576 |
| Net loans and leases to deposits | 52.6016% | 5,635 |
| Net loans and leases to core deposits | 52.9343% | 5,822 |
| Total domestic deposits to total assets | 86.7592% | 2,972 |
| Equity capital to assets | 6.1796% | 6,728 |
| Core capital (leverage) ratio | 5.3995% | 6,804 |
| Tier 1 risk-based capital ratio | 9.3309% | 6,737 |
| Total risk-based capital ratio | 10.5861% | 6,726 |
| Memoranda: | ||
| Average total assets | $365,878,000 | 1,789 |
| Average earning assets | $291,797,670 | 2,040 |
| Average equity | $24,115,000 | 2,759 |
| Average total loans | $166,456,330 | 2,350 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0348% | 6,474 |
| Cost of funding earning assets | 0.4083% | 5,024 |
| Net interest margin | 2.6265% | 6,335 |
| Noninterest income to average assets | 1.6130% | 601 |
| Noninterest expense to average assets | 3.4977% | 1,624 |
| Loan and lease loss provision to assets | -0.4345% | 6,948 |
| Net operating income to assets | 0.4087% | 5,092 |
| Return on assets (ROA) | 0.4247% | 5,181 |
| Pretax return on assets | 0.6713% | 4,701 |
| Return on Equity (ROE) | 6.2525% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.2525% | 2,538 |
| Net charge-offs to loans | -0.0097% | 5,426 |
| Credit loss provision to net charge-offs | 10,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2899% | 814 |
| Assets per employee ($millions) | 3.4868% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 1,340 |
| Loan loss allowance to noncurrent loans | 149.5363% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 5.8263% | 563 |
| Noncurrent loans to loans | 1.5694% | 3,183 |
| Net loans and leases to total assets | 43.9834% | 5,666 |
| Net loans and leases to deposits | 50.6113% | 5,739 |
| Net loans and leases to core deposits | 50.8853% | 5,903 |
| Total domestic deposits to total assets | 86.9042% | 3,019 |
| Equity capital to assets | 6.8014% | 6,750 |
| Core capital (leverage) ratio | 5.0607% | 6,872 |
| Tier 1 risk-based capital ratio | 8.8526% | 6,819 |
| Total risk-based capital ratio | 10.1159% | 6,822 |
| Memoranda: | ||
| Average total assets | $368,246,500 | 1,792 |
| Average earning assets | $293,928,000 | 2,048 |
| Average equity | $25,014,000 | 2,703 |
| Average total loans | $165,710,000 | 2,368 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4581% | 6,403 |
| Cost of funding earning assets | 0.5727% | 4,612 |
| Net interest margin | 2.8854% | 6,249 |
| Noninterest income to average assets | 1.5337% | 669 |
| Noninterest expense to average assets | 3.8240% | 1,214 |
| Loan and lease loss provision to assets | 0.0419% | 5,331 |
| Net operating income to assets | 2.3436% | 194 |
| Return on assets (ROA) | 3.3318% | 88 |
| Pretax return on assets | 1.0674% | 3,280 |
| Return on Equity (ROE) | 65.3287% | 10 |
| Retained earnings to average equity (ytd only) | 65.3287% | 4 |
| Net charge-offs to loans | 0.9406% | 1,180 |
| Credit loss provision to net charge-offs | 9.6250% | 5,402 |
| Earnings coverage of net charge-offs (x) | 0.2781% | 5,343 |
| Efficiency ratio | 96.9325% | 668 |
| Assets per employee ($millions) | 3.6311% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5613% | 1,059 |
| Loan loss allowance to noncurrent loans | 147.0183% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 6.3187% | 527 |
| Noncurrent loans to loans | 1.7421% | 3,000 |
| Net loans and leases to total assets | 43.8080% | 5,837 |
| Net loans and leases to deposits | 50.9093% | 5,896 |
| Net loans and leases to core deposits | 51.2403% | 6,070 |
| Total domestic deposits to total assets | 86.0512% | 3,331 |
| Equity capital to assets | 6.7842% | 6,806 |
| Core capital (leverage) ratio | 4.9181% | 6,940 |
| Tier 1 risk-based capital ratio | 8.8062% | 6,871 |
| Total risk-based capital ratio | 10.0686% | 6,873 |
| Memoranda: | ||
| Average total assets | $367,730,800 | 1,771 |
| Average earning assets | $307,304,800 | 1,928 |
| Average equity | $18,754,400 | 3,367 |
| Average total loans | $170,111,800 | 2,314 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 6,428 |
| Cost of funding earning assets | 0.6016% | 4,632 |
| Net interest margin | 2.9679% | 6,237 |
| Noninterest income to average assets | 1.3959% | 767 |
| Noninterest expense to average assets | 3.8128% | 1,187 |
| Loan and lease loss provision to assets | 0.0559% | 5,037 |
| Net operating income to assets | 3.1165% | 97 |
| Return on assets (ROA) | 4.3576% | 60 |
| Pretax return on assets | 1.2753% | 2,690 |
| Return on Equity (ROE) | 93.2077% | 3 |
| Retained earnings to average equity (ytd only) | 93.2077% | 1 |
| Net charge-offs to loans | 1.1796% | 845 |
| Credit loss provision to net charge-offs | 10.1785% | 5,074 |
| Earnings coverage of net charge-offs (x) | 0.1639% | 5,249 |
| Efficiency ratio | 97.6919% | 614 |
| Assets per employee ($millions) | 3.5342% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6118% | 1,072 |
| Loan loss allowance to noncurrent loans | 134.7368% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 6.6648% | 550 |
| Noncurrent loans to loans | 1.9384% | 2,913 |
| Net loans and leases to total assets | 44.1499% | 5,957 |
| Net loans and leases to deposits | 51.4375% | 6,011 |
| Net loans and leases to core deposits | 51.9207% | 6,186 |
| Total domestic deposits to total assets | 85.8322% | 3,345 |
| Equity capital to assets | 6.9450% | 6,889 |
| Core capital (leverage) ratio | 4.9777% | 7,031 |
| Tier 1 risk-based capital ratio | 7.9484% | 6,996 |
| Total risk-based capital ratio | 9.2038% | 7,000 |
| Memoranda: | ||
| Average total assets | $367,069,750 | 1,797 |
| Average earning assets | $310,068,250 | 1,926 |
| Average equity | $17,161,250 | 3,629 |
| Average total loans | $171,010,000 | 2,333 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6944% | 6,347 |
| Cost of funding earning assets | 0.6271% | 4,655 |
| Net interest margin | 3.0673% | 6,082 |
| Noninterest income to average assets | 1.3540% | 784 |
| Noninterest expense to average assets | 3.6636% | 1,439 |
| Loan and lease loss provision to assets | 0.0872% | 4,493 |
| Net operating income to assets | 0.2033% | 5,906 |
| Return on assets (ROA) | 1.6353% | 862 |
| Pretax return on assets | 1.6429% | 1,416 |
| Return on Equity (ROE) | 41.7459% | 37 |
| Retained earnings to average equity (ytd only) | 41.7459% | 24 |
| Net charge-offs to loans | 1.5191% | 651 |
| Credit loss provision to net charge-offs | 12.2137% | 4,714 |
| Earnings coverage of net charge-offs (x) | 0.4176% | 4,868 |
| Efficiency ratio | 92.4739% | 896 |
| Assets per employee ($millions) | 3.6515% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6998% | 1,035 |
| Loan loss allowance to noncurrent loans | 105.2850% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 7.1618% | 538 |
| Noncurrent loans to loans | 2.5643% | 2,350 |
| Net loans and leases to total assets | 45.4805% | 5,864 |
| Net loans and leases to deposits | 51.5914% | 6,052 |
| Net loans and leases to core deposits | 52.1729% | 6,228 |
| Total domestic deposits to total assets | 88.1552% | 2,036 |
| Equity capital to assets | 4.4387% | 7,121 |
| Core capital (leverage) ratio | 4.3723% | 7,106 |
| Tier 1 risk-based capital ratio | 7.3561% | 7,070 |
| Total risk-based capital ratio | 8.6179% | 7,072 |
| Memoranda: | ||
| Average total assets | $366,906,670 | 1,795 |
| Average earning assets | $311,933,000 | 1,921 |
| Average equity | $14,372,670 | 4,119 |
| Average total loans | $172,470,330 | 2,323 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 6,331 |
| Cost of funding earning assets | 0.6598% | 4,640 |
| Net interest margin | 3.0971% | 6,052 |
| Noninterest income to average assets | 1.1807% | 1,025 |
| Noninterest expense to average assets | 3.7434% | 1,310 |
| Loan and lease loss provision to assets | -0.1006% | 7,179 |
| Net operating income to assets | 0.1798% | 6,042 |
| Return on assets (ROA) | 0.9318% | 2,986 |
| Pretax return on assets | 0.9469% | 3,879 |
| Return on Equity (ROE) | 25.4433% | 174 |
| Retained earnings to average equity (ytd only) | 25.4433% | 88 |
| Net charge-offs to loans | 2.3763% | 357 |
| Credit loss provision to net charge-offs | -8.9855% | 5,349 |
| Earnings coverage of net charge-offs (x) | 0.0705% | 4,333 |
| Efficiency ratio | 97.9332% | 633 |
| Assets per employee ($millions) | 3.6967% | 4,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6710% | 1,153 |
| Loan loss allowance to noncurrent loans | 80.4352% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 7.1732% | 581 |
| Noncurrent loans to loans | 3.3207% | 1,922 |
| Net loans and leases to total assets | 45.6412% | 5,824 |
| Net loans and leases to deposits | 51.5122% | 6,027 |
| Net loans and leases to core deposits | 52.0951% | 6,197 |
| Total domestic deposits to total assets | 88.6027% | 1,954 |
| Equity capital to assets | 3.7664% | 7,199 |
| Core capital (leverage) ratio | 3.6403% | 7,202 |
| Tier 1 risk-based capital ratio | 6.3315% | 7,167 |
| Total risk-based capital ratio | 7.5949% | 7,166 |
| Memoranda: | ||
| Average total assets | $369,610,000 | 1,789 |
| Average earning assets | $315,260,000 | 1,900 |
| Average equity | $13,536,000 | 4,296 |
| Average total loans | $174,218,500 | 2,320 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 6,516 |
| Cost of funding earning assets | 0.7715% | 5,051 |
| Net interest margin | 3.1943% | 6,113 |
| Noninterest income to average assets | 0.2798% | 5,528 |
| Noninterest expense to average assets | 3.9743% | 1,073 |
| Loan and lease loss provision to assets | 1.4041% | 553 |
| Net operating income to assets | -4.5881% | 7,284 |
| Return on assets (ROA) | -3.5594% | 7,231 |
| Pretax return on assets | -1.3814% | 6,864 |
| Return on Equity (ROE) | -76.4383% | 7,284 |
| Retained earnings to average equity (ytd only) | -76.4383% | 7,284 |
| Net charge-offs to loans | 3.2615% | 261 |
| Credit loss provision to net charge-offs | 84.1358% | 4,276 |
| Earnings coverage of net charge-offs (x) | -0.6028% | 6,111 |
| Efficiency ratio | 133.8924% | 210 |
| Assets per employee ($millions) | 3.7702% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2728% | 636 |
| Loan loss allowance to noncurrent loans | 69.8238% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 7.5585% | 571 |
| Noncurrent loans to loans | 4.6873% | 1,260 |
| Net loans and leases to total assets | 45.8226% | 6,027 |
| Net loans and leases to deposits | 53.5383% | 6,112 |
| Net loans and leases to core deposits | 54.1037% | 6,299 |
| Total domestic deposits to total assets | 85.5884% | 3,545 |
| Equity capital to assets | 3.5601% | 7,247 |
| Core capital (leverage) ratio | 3.4178% | 7,242 |
| Tier 1 risk-based capital ratio | 5.8531% | 7,206 |
| Total risk-based capital ratio | 7.1227% | 7,208 |
| Memoranda: | ||
| Average total assets | $379,614,400 | 1,704 |
| Average earning assets | $319,507,600 | 1,842 |
| Average equity | $17,677,000 | 3,474 |
| Average total loans | $194,236,000 | 2,093 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 6,588 |
| Cost of funding earning assets | 0.7974% | 5,171 |
| Net interest margin | 3.2034% | 6,154 |
| Noninterest income to average assets | 0.0189% | 7,051 |
| Noninterest expense to average assets | 4.0467% | 953 |
| Loan and lease loss provision to assets | 1.8642% | 316 |
| Net operating income to assets | -6.0959% | 7,400 |
| Return on assets (ROA) | -4.9757% | 7,380 |
| Pretax return on assets | -2.0839% | 7,141 |
| Return on Equity (ROE) | -101.0295% | 7,381 |
| Retained earnings to average equity (ytd only) | -101.0295% | 7,381 |
| Net charge-offs to loans | 3.8215% | 182 |
| Credit loss provision to net charge-offs | 93.6402% | 3,641 |
| Earnings coverage of net charge-offs (x) | -0.6730% | 5,875 |
| Efficiency ratio | 149.5025% | 141 |
| Assets per employee ($millions) | 3.7513% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5024% | 561 |
| Loan loss allowance to noncurrent loans | 49.0579% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 9.2983% | 411 |
| Noncurrent loans to loans | 7.1392% | 689 |
| Net loans and leases to total assets | 47.7106% | 5,989 |
| Net loans and leases to deposits | 55.1097% | 6,113 |
| Net loans and leases to core deposits | 55.6439% | 6,338 |
| Total domestic deposits to total assets | 86.5739% | 2,895 |
| Equity capital to assets | 3.5239% | 7,346 |
| Core capital (leverage) ratio | 3.2422% | 7,343 |
| Tier 1 risk-based capital ratio | 5.3553% | 7,315 |
| Total risk-based capital ratio | 6.6274% | 7,316 |
| Memoranda: | ||
| Average total assets | $381,206,000 | 1,707 |
| Average earning assets | $319,860,000 | 1,852 |
| Average equity | $18,774,250 | 3,316 |
| Average total loans | $198,590,250 | 2,074 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0280% | 6,619 |
| Cost of funding earning assets | 0.8356% | 5,164 |
| Net interest margin | 3.1923% | 6,182 |
| Noninterest income to average assets | -0.3719% | 7,400 |
| Noninterest expense to average assets | 4.0038% | 1,046 |
| Loan and lease loss provision to assets | 2.7726% | 172 |
| Net operating income to assets | -8.7786% | 7,492 |
| Return on assets (ROA) | -8.1185% | 7,490 |
| Pretax return on assets | -3.8233% | 7,377 |
| Return on Equity (ROE) | -151.0111% | 7,470 |
| Retained earnings to average equity (ytd only) | -151.0111% | 7,470 |
| Net charge-offs to loans | 5.0024% | 123 |
| Credit loss provision to net charge-offs | 104.6740% | 2,950 |
| Earnings coverage of net charge-offs (x) | -0.6459% | 5,569 |
| Efficiency ratio | 174.6143% | 90 |
| Assets per employee ($millions) | 3.1698% | 5,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7037% | 511 |
| Loan loss allowance to noncurrent loans | 49.4723% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 9.8067% | 409 |
| Noncurrent loans to loans | 7.4863% | 638 |
| Net loans and leases to total assets | 48.8738% | 5,965 |
| Net loans and leases to deposits | 56.7741% | 6,070 |
| Net loans and leases to core deposits | 57.3675% | 6,318 |
| Total domestic deposits to total assets | 86.0847% | 3,279 |
| Equity capital to assets | 2.9657% | 7,432 |
| Core capital (leverage) ratio | 2.7430% | 7,433 |
| Tier 1 risk-based capital ratio | 4.7176% | 7,409 |
| Total risk-based capital ratio | 5.9966% | 7,410 |
| Memoranda: | ||
| Average total assets | $384,481,000 | 1,704 |
| Average earning assets | $320,955,670 | 1,857 |
| Average equity | $20,670,000 | 3,041 |
| Average total loans | $203,580,670 | 2,051 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 6,735 |
| Cost of funding earning assets | 0.8467% | 5,290 |
| Net interest margin | 3.1284% | 6,274 |
| Noninterest income to average assets | 0.9299% | 1,546 |
| Noninterest expense to average assets | 3.7321% | 1,472 |
| Loan and lease loss provision to assets | 0.3100% | 2,691 |
| Net operating income to assets | -0.2987% | 6,661 |
| Return on assets (ROA) | -0.2987% | 6,673 |
| Pretax return on assets | -0.5142% | 6,759 |
| Return on Equity (ROE) | -4.5721% | 6,783 |
| Retained earnings to average equity (ytd only) | -4.5721% | 6,480 |
| Net charge-offs to loans | 0.4029% | 2,487 |
| Credit loss provision to net charge-offs | 142.4528% | 1,981 |
| Earnings coverage of net charge-offs (x) | -0.9387% | 4,887 |
| Efficiency ratio | 105.7899% | 579 |
| Assets per employee ($millions) | 3.4204% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4076% | 659 |
| Loan loss allowance to noncurrent loans | 36.9240% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 11.1900% | 322 |
| Noncurrent loans to loans | 9.2288% | 470 |
| Net loans and leases to total assets | 50.0362% | 5,845 |
| Net loans and leases to deposits | 60.3304% | 5,692 |
| Net loans and leases to core deposits | 61.0075% | 6,013 |
| Total domestic deposits to total assets | 82.9368% | 4,957 |
| Equity capital to assets | 6.5448% | 7,197 |
| Core capital (leverage) ratio | 4.4267% | 7,401 |
| Tier 1 risk-based capital ratio | 6.8181% | 7,380 |
| Total risk-based capital ratio | 8.0902% | 7,385 |
| Memoranda: | ||
| Average total assets | $389,701,000 | 1,694 |
| Average earning assets | $323,620,000 | 1,855 |
| Average equity | $25,458,500 | 2,499 |
| Average total loans | $210,451,500 | 2,008 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3359% | 6,719 |
| Cost of funding earning assets | 1.0924% | 5,173 |
| Net interest margin | 3.2434% | 6,158 |
| Noninterest income to average assets | 0.8023% | 2,271 |
| Noninterest expense to average assets | 3.3789% | 2,494 |
| Loan and lease loss provision to assets | 0.8876% | 1,844 |
| Net operating income to assets | -0.4988% | 6,387 |
| Return on assets (ROA) | -0.0100% | 5,972 |
| Pretax return on assets | 0.0610% | 5,779 |
| Return on Equity (ROE) | -0.1501% | 5,980 |
| Retained earnings to average equity (ytd only) | -0.1501% | 5,632 |
| Net charge-offs to loans | 2.0644% | 972 |
| Credit loss provision to net charge-offs | 72.4377% | 5,803 |
| Earnings coverage of net charge-offs (x) | 0.1509% | 5,963 |
| Efficiency ratio | 94.8126% | 1,019 |
| Assets per employee ($millions) | 3.4164% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1030% | 799 |
| Loan loss allowance to noncurrent loans | 25.4773% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 11.7240% | 296 |
| Noncurrent loans to loans | 12.1796% | 280 |
| Net loans and leases to total assets | 54.4637% | 5,576 |
| Net loans and leases to deposits | 65.8997% | 5,416 |
| Net loans and leases to core deposits | 66.8217% | 5,799 |
| Total domestic deposits to total assets | 82.6463% | 4,952 |
| Equity capital to assets | 6.5208% | 7,252 |
| Core capital (leverage) ratio | 4.3983% | 7,470 |
| Tier 1 risk-based capital ratio | 6.5840% | 7,453 |
| Total risk-based capital ratio | 7.8538% | 7,456 |
| Memoranda: | ||
| Average total assets | $399,744,600 | 1,653 |
| Average earning assets | $340,347,800 | 1,755 |
| Average equity | $26,655,000 | 2,402 |
| Average total loans | $237,261,800 | 1,845 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 6,801 |
| Cost of funding earning assets | 1.1418% | 5,194 |
| Net interest margin | 3.2691% | 6,116 |
| Noninterest income to average assets | 0.8418% | 2,027 |
| Noninterest expense to average assets | 3.2097% | 2,892 |
| Loan and lease loss provision to assets | 0.6728% | 2,274 |
| Net operating income to assets | -0.1912% | 6,311 |
| Return on assets (ROA) | 0.4563% | 4,698 |
| Pretax return on assets | 0.7599% | 4,052 |
| Return on Equity (ROE) | 6.8075% | 3,427 |
| Retained earnings to average equity (ytd only) | 6.8075% | 1,940 |
| Net charge-offs to loans | 1.4896% | 1,351 |
| Credit loss provision to net charge-offs | 75.1295% | 5,276 |
| Earnings coverage of net charge-offs (x) | 0.4700% | 5,553 |
| Efficiency ratio | 88.4071% | 1,420 |
| Assets per employee ($millions) | 3.4471% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1481% | 735 |
| Loan loss allowance to noncurrent loans | 24.9501% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 11.7137% | 290 |
| Noncurrent loans to loans | 12.6174% | 249 |
| Net loans and leases to total assets | 58.2494% | 5,227 |
| Net loans and leases to deposits | 70.9905% | 4,998 |
| Net loans and leases to core deposits | 72.3111% | 5,474 |
| Total domestic deposits to total assets | 82.0523% | 4,970 |
| Equity capital to assets | 7.2129% | 7,257 |
| Core capital (leverage) ratio | 5.1289% | 7,536 |
| Tier 1 risk-based capital ratio | 7.4567% | 7,520 |
| Total risk-based capital ratio | 8.7284% | 7,520 |
| Memoranda: | ||
| Average total assets | $402,312,250 | 1,666 |
| Average earning assets | $343,205,500 | 1,769 |
| Average equity | $26,969,500 | 2,416 |
| Average total loans | $241,848,500 | 1,830 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 6,555 |
| Cost of funding earning assets | 1.2068% | 5,088 |
| Net interest margin | 3.3563% | 5,814 |
| Noninterest income to average assets | 0.6036% | 3,317 |
| Noninterest expense to average assets | 2.9505% | 3,887 |
| Loan and lease loss provision to assets | 0.9986% | 1,458 |
| Net operating income to assets | -0.3404% | 6,516 |
| Return on assets (ROA) | 0.4142% | 4,849 |
| Pretax return on assets | 0.6902% | 4,275 |
| Return on Equity (ROE) | 6.3323% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.3323% | 2,149 |
| Net charge-offs to loans | 1.8635% | 1,000 |
| Credit loss provision to net charge-offs | 89.1524% | 4,447 |
| Earnings coverage of net charge-offs (x) | 0.4550% | 5,257 |
| Efficiency ratio | 85.2715% | 1,792 |
| Assets per employee ($millions) | 3.3945% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4646% | 558 |
| Loan loss allowance to noncurrent loans | 30.2598% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 10.3691% | 373 |
| Noncurrent loans to loans | 11.4494% | 333 |
| Net loans and leases to total assets | 58.0898% | 5,406 |
| Net loans and leases to deposits | 71.0084% | 5,141 |
| Net loans and leases to core deposits | 72.3011% | 5,640 |
| Total domestic deposits to total assets | 81.8069% | 5,064 |
| Equity capital to assets | 6.8685% | 7,392 |
| Core capital (leverage) ratio | 4.6514% | 7,639 |
| Tier 1 risk-based capital ratio | 6.8566% | 7,613 |
| Total risk-based capital ratio | 8.1292% | 7,616 |
| Memoranda: | ||
| Average total assets | $406,574,000 | 1,669 |
| Average earning assets | $346,032,330 | 1,766 |
| Average equity | $26,594,000 | 2,437 |
| Average total loans | $244,374,000 | 1,845 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 6,545 |
| Cost of funding earning assets | 1.2067% | 5,368 |
| Net interest margin | 3.4000% | 5,583 |
| Noninterest income to average assets | 0.6633% | 2,864 |
| Noninterest expense to average assets | 3.7152% | 1,490 |
| Loan and lease loss provision to assets | 0.2237% | 4,258 |
| Net operating income to assets | -0.2526% | 6,606 |
| Return on assets (ROA) | -0.0049% | 6,404 |
| Pretax return on assets | 0.0107% | 6,330 |
| Return on Equity (ROE) | -0.0762% | 6,416 |
| Retained earnings to average equity (ytd only) | -0.0762% | 5,848 |
| Net charge-offs to loans | 0.1344% | 4,143 |
| Credit loss provision to net charge-offs | 277.1084% | 1,429 |
| Earnings coverage of net charge-offs (x) | -1.8916% | 5,460 |
| Efficiency ratio | 104.2861% | 719 |
| Assets per employee ($millions) | 3.5034% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5485% | 525 |
| Loan loss allowance to noncurrent loans | 41.0587% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 8.4526% | 565 |
| Noncurrent loans to loans | 8.6424% | 585 |
| Net loans and leases to total assets | 56.9133% | 5,624 |
| Net loans and leases to deposits | 72.5987% | 4,974 |
| Net loans and leases to core deposits | 73.9240% | 5,503 |
| Total domestic deposits to total assets | 78.3943% | 6,226 |
| Equity capital to assets | 6.4400% | 7,539 |
| Core capital (leverage) ratio | 4.7987% | 7,719 |
| Tier 1 risk-based capital ratio | 6.8319% | 7,713 |
| Total risk-based capital ratio | 8.1046% | 7,715 |
| Memoranda: | ||
| Average total assets | $411,280,500 | 1,696 |
| Average earning assets | $350,706,500 | 1,780 |
| Average equity | $26,251,500 | 2,495 |
| Average total loans | $247,066,000 | 1,883 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 6,967 |
| Cost of funding earning assets | 1.7244% | 4,382 |
| Net interest margin | 3.0656% | 6,480 |
| Noninterest income to average assets | 0.9609% | 1,701 |
| Noninterest expense to average assets | 3.8642% | 1,561 |
| Loan and lease loss provision to assets | 1.4529% | 1,586 |
| Net operating income to assets | -0.9634% | 6,551 |
| Return on assets (ROA) | -0.6486% | 6,315 |
| Pretax return on assets | -1.1696% | 6,522 |
| Return on Equity (ROE) | -10.3518% | 6,650 |
| Retained earnings to average equity (ytd only) | -10.3518% | 6,547 |
| Net charge-offs to loans | 5.0745% | 253 |
| Credit loss provision to net charge-offs | 46.8397% | 6,782 |
| Earnings coverage of net charge-offs (x) | -0.0672% | 6,291 |
| Efficiency ratio | 105.7047% | 915 |
| Assets per employee ($millions) | 3.4675% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4093% | 571 |
| Loan loss allowance to noncurrent loans | 61.8609% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 7.0039% | 717 |
| Noncurrent loans to loans | 5.5113% | 1,169 |
| Net loans and leases to total assets | 59.0639% | 5,481 |
| Net loans and leases to deposits | 75.9027% | 4,758 |
| Net loans and leases to core deposits | 84.2870% | 5,690 |
| Total domestic deposits to total assets | 77.8153% | 6,267 |
| Equity capital to assets | 6.3252% | 7,607 |
| Core capital (leverage) ratio | 5.0768% | 7,761 |
| Tier 1 risk-based capital ratio | 7.1411% | 7,733 |
| Total risk-based capital ratio | 8.4119% | 7,738 |
| Memoranda: | ||
| Average total assets | $448,344,800 | 1,544 |
| Average earning assets | $394,117,400 | 1,613 |
| Average equity | $28,091,600 | 2,362 |
| Average total loans | $274,056,200 | 1,758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 7,096 |
| Cost of funding earning assets | 1.8451% | 4,179 |
| Net interest margin | 2.9679% | 6,694 |
| Noninterest income to average assets | 1.0654% | 1,397 |
| Noninterest expense to average assets | 3.6227% | 1,978 |
| Loan and lease loss provision to assets | 1.2156% | 1,595 |
| Net operating income to assets | -0.6875% | 6,591 |
| Return on assets (ROA) | -0.4723% | 6,405 |
| Pretax return on assets | -0.8134% | 6,550 |
| Return on Equity (ROE) | -7.5545% | 6,700 |
| Retained earnings to average equity (ytd only) | -7.5545% | 6,554 |
| Net charge-offs to loans | 5.8804% | 155 |
| Credit loss provision to net charge-offs | 33.8219% | 6,481 |
| Earnings coverage of net charge-offs (x) | 0.0184% | 6,039 |
| Efficiency ratio | 98.2091% | 1,153 |
| Assets per employee ($millions) | 3.6237% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0095% | 666 |
| Loan loss allowance to noncurrent loans | 37.2376% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 8.3228% | 498 |
| Noncurrent loans to loans | 8.0818% | 598 |
| Net loans and leases to total assets | 58.4201% | 5,825 |
| Net loans and leases to deposits | 75.5335% | 5,122 |
| Net loans and leases to core deposits | 85.3642% | 5,933 |
| Total domestic deposits to total assets | 77.3432% | 6,252 |
| Equity capital to assets | 6.6268% | 7,729 |
| Core capital (leverage) ratio | 5.2374% | 7,905 |
| Tier 1 risk-based capital ratio | 7.1899% | 7,876 |
| Total risk-based capital ratio | 8.4557% | 7,878 |
| Memoranda: | ||
| Average total assets | $458,141,000 | 1,519 |
| Average earning assets | $404,947,250 | 1,576 |
| Average equity | $28,644,500 | 2,346 |
| Average total loans | $280,021,250 | 1,741 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8671% | 7,101 |
| Cost of funding earning assets | 2.0070% | 3,737 |
| Net interest margin | 2.8600% | 6,886 |
| Noninterest income to average assets | 0.8323% | 2,255 |
| Noninterest expense to average assets | 3.5305% | 2,248 |
| Loan and lease loss provision to assets | 1.5852% | 1,067 |
| Net operating income to assets | -1.7561% | 7,346 |
| Return on assets (ROA) | -1.3371% | 7,180 |
| Pretax return on assets | -1.3200% | 7,000 |
| Return on Equity (ROE) | -21.7829% | 7,554 |
| Retained earnings to average equity (ytd only) | -21.7829% | 7,508 |
| Net charge-offs to loans | 8.7774% | 79 |
| Credit loss provision to net charge-offs | 29.4183% | 6,038 |
| Earnings coverage of net charge-offs (x) | -0.0285% | 5,723 |
| Efficiency ratio | 104.5529% | 1,012 |
| Assets per employee ($millions) | 3.1732% | 5,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6514% | 783 |
| Loan loss allowance to noncurrent loans | 49.7507% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 7.0610% | 593 |
| Noncurrent loans to loans | 5.3295% | 1,113 |
| Net loans and leases to total assets | 57.7290% | 6,003 |
| Net loans and leases to deposits | 72.9144% | 5,616 |
| Net loans and leases to core deposits | 85.5275% | 5,962 |
| Total domestic deposits to total assets | 79.1737% | 5,757 |
| Equity capital to assets | 5.8068% | 7,959 |
| Core capital (leverage) ratio | 4.4013% | 8,065 |
| Tier 1 risk-based capital ratio | 6.3338% | 8,040 |
| Total risk-based capital ratio | 7.5955% | 8,047 |
| Memoranda: | ||
| Average total assets | $468,322,000 | 1,516 |
| Average earning assets | $416,638,000 | 1,557 |
| Average equity | $28,747,330 | 2,354 |
| Average total loans | $287,510,330 | 1,716 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 7,458 |
| Cost of funding earning assets | 2.1402% | 3,461 |
| Net interest margin | 2.5910% | 7,382 |
| Noninterest income to average assets | 0.9518% | 1,634 |
| Noninterest expense to average assets | 3.5540% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.2641% | 6,638 |
| Return on assets (ROA) | 0.5113% | 4,556 |
| Pretax return on assets | 0.5279% | 4,989 |
| Return on Equity (ROE) | 8.1263% | 3,083 |
| Retained earnings to average equity (ytd only) | 8.1263% | 1,760 |
| Net charge-offs to loans | 12.3347% | 41 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.0353% | 5,011 |
| Efficiency ratio | 108.2699% | 858 |
| Assets per employee ($millions) | 3.5221% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3028% | 942 |
| Loan loss allowance to noncurrent loans | 25.8567% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 6.8002% | 519 |
| Noncurrent loans to loans | 8.9062% | 367 |
| Net loans and leases to total assets | 58.0885% | 5,926 |
| Net loans and leases to deposits | 73.5106% | 5,540 |
| Net loans and leases to core deposits | 90.4094% | 5,517 |
| Total domestic deposits to total assets | 79.0206% | 5,719 |
| Equity capital to assets | 6.2182% | 7,953 |
| Core capital (leverage) ratio | 5.2377% | 8,109 |
| Tier 1 risk-based capital ratio | 7.3073% | 8,074 |
| Total risk-based capital ratio | 8.5664% | 8,086 |
| Memoranda: | ||
| Average total assets | $480,362,500 | 1,484 |
| Average earning assets | $432,113,000 | 1,504 |
| Average equity | $30,223,000 | 2,252 |
| Average total loans | $299,545,000 | 1,670 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6509% | 6,932 |
| Cost of funding earning assets | 2.4804% | 4,313 |
| Net interest margin | 3.1705% | 6,464 |
| Noninterest income to average assets | 0.8880% | 2,011 |
| Noninterest expense to average assets | 3.4587% | 2,501 |
| Loan and lease loss provision to assets | 2.9145% | 318 |
| Net operating income to assets | -1.5872% | 7,499 |
| Return on assets (ROA) | -1.5090% | 7,412 |
| Pretax return on assets | -2.4871% | 7,589 |
| Return on Equity (ROE) | -20.8167% | 7,776 |
| Retained earnings to average equity (ytd only) | -23.0246% | 7,762 |
| Net charge-offs to loans | 0.5513% | 2,175 |
| Credit loss provision to net charge-offs | 806.4571% | 540 |
| Earnings coverage of net charge-offs (x) | 0.8446% | 5,724 |
| Efficiency ratio | 91.8907% | 1,387 |
| Assets per employee ($millions) | 3.3428% | 5,109 |
| Cash dividends to net income (ytd only)* | -10.6063% | 7,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1219% | 93 |
| Loan loss allowance to noncurrent loans | 216.0071% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 3.1893% | 1,434 |
| Noncurrent loans to loans | 2.3712% | 2,322 |
| Net loans and leases to total assets | 61.9819% | 5,626 |
| Net loans and leases to deposits | 79.3609% | 5,152 |
| Net loans and leases to core deposits | 99.6009% | 4,862 |
| Total domestic deposits to total assets | 78.1013% | 5,677 |
| Equity capital to assets | 6.3670% | 7,972 |
| Core capital (leverage) ratio | 5.0211% | 8,208 |
| Tier 1 risk-based capital ratio | 6.8057% | 8,187 |
| Total risk-based capital ratio | 8.0964% | 8,193 |
| Memoranda: | ||
| Average total assets | $484,228,200 | 1,415 |
| Average earning assets | $439,239,800 | 1,423 |
| Average equity | $35,101,600 | 1,923 |
| Average total loans | $317,424,600 | 1,527 |