Home > Broadstreet Bank S S B > Performance and Condition Ratios
Broadstreet Bank S S B, 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 | 4.7518% | 2,570 |
| Cost of funding earning assets | 1.9740% | 954 |
| Net interest margin | 2.7778% | 3,702 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.7057% | 1,723 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.2198% | 4,139 |
| Return on assets (ROA) | -0.0982% | 4,410 |
| Pretax return on assets | -0.1351% | 4,415 |
| Return on Equity (ROE) | -1.0100% | 4,386 |
| Retained earnings to average equity (ytd only) | -1.0087% | 4,185 |
| Net charge-offs to loans | 0.0246% | 1,823 |
| Credit loss provision to net charge-offs | 578.7879% | 608 |
| Earnings coverage of net charge-offs (x) | 22.8485% | 1,805 |
| Efficiency ratio | 87.5399% | 497 |
| Assets per employee ($millions) | 6.9436% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 2,871 |
| Loan loss allowance to noncurrent loans | 329.7125% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 1,996 |
| Noncurrent loans to loans | 0.3318% | 1,995 |
| Net loans and leases to total assets | 62.0200% | 2,673 |
| Net loans and leases to deposits | 85.4626% | 1,655 |
| Net loans and leases to core deposits | 100.6320% | 1,399 |
| Total domestic deposits to total assets | 72.5700% | 4,195 |
| Equity capital to assets | 9.4522% | 2,384 |
| Core capital (leverage) ratio | 10.7580% | 2,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7332% | 1,130 |
| Memoranda: | ||
| Average total assets | $430,722,000 | 1,917 |
| Average earning assets | $401,721,000 | 1,902 |
| Average equity | $41,933,400 | 1,817 |
| Average total loans | $268,494,400 | 1,921 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 2,653 |
| Cost of funding earning assets | 1.8607% | 914 |
| Net interest margin | 2.7503% | 3,809 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.5374% | 2,118 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.3568% | 4,034 |
| Return on assets (ROA) | -0.0608% | 4,444 |
| Pretax return on assets | -0.0884% | 4,439 |
| Return on Equity (ROE) | -0.6200% | 4,416 |
| Retained earnings to average equity (ytd only) | -0.6195% | 4,223 |
| Net charge-offs to loans | 0.0216% | 1,671 |
| Credit loss provision to net charge-offs | 458.1395% | 677 |
| Earnings coverage of net charge-offs (x) | 37.6279% | 1,486 |
| Efficiency ratio | 82.3299% | 710 |
| Assets per employee ($millions) | 6.9207% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 2,972 |
| Loan loss allowance to noncurrent loans | 252.2786% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 1,795 |
| Noncurrent loans to loans | 0.4278% | 1,760 |
| Net loans and leases to total assets | 61.6800% | 2,686 |
| Net loans and leases to deposits | 86.5186% | 1,509 |
| Net loans and leases to core deposits | 97.2944% | 1,490 |
| Total domestic deposits to total assets | 71.3000% | 4,283 |
| Equity capital to assets | 9.5097% | 2,088 |
| Core capital (leverage) ratio | 11.1578% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $425,569,250 | 1,934 |
| Average earning assets | $397,332,750 | 1,914 |
| Average equity | $41,751,500 | 1,809 |
| Average total loans | $264,861,000 | 1,939 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,831 |
| Cost of funding earning assets | 1.7280% | 850 |
| Net interest margin | 2.6952% | 3,979 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5383% | 2,102 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.2875% | 4,171 |
| Return on assets (ROA) | -0.3440% | 4,541 |
| Pretax return on assets | -0.4487% | 4,545 |
| Return on Equity (ROE) | -3.4700% | 4,519 |
| Retained earnings to average equity (ytd only) | -3.4697% | 4,363 |
| Net charge-offs to loans | 0.0053% | 2,068 |
| Credit loss provision to net charge-offs | 2,800.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 800 |
| Efficiency ratio | 84.2382% | 583 |
| Assets per employee ($millions) | 7.1946% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 2,988 |
| Loan loss allowance to noncurrent loans | 235.6349% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 1,752 |
| Noncurrent loans to loans | 0.4637% | 1,553 |
| Net loans and leases to total assets | 62.2600% | 2,556 |
| Net loans and leases to deposits | 85.3394% | 1,556 |
| Net loans and leases to core deposits | 95.4804% | 1,492 |
| Total domestic deposits to total assets | 72.9600% | 4,255 |
| Equity capital to assets | 9.6276% | 2,078 |
| Core capital (leverage) ratio | 11.1174% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $422,090,000 | 1,945 |
| Average earning assets | $394,917,667 | 1,927 |
| Average equity | $41,847,667 | 1,819 |
| Average total loans | $262,520,333 | 1,945 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 2,894 |
| Cost of funding earning assets | 1.5580% | 754 |
| Net interest margin | 2.7051% | 4,067 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.4475% | 2,377 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.3687% | 4,136 |
| Return on assets (ROA) | -0.9085% | 4,607 |
| Pretax return on assets | -1.1653% | 4,617 |
| Return on Equity (ROE) | -9.0300% | 4,590 |
| Retained earnings to average equity (ytd only) | -9.0304% | 4,454 |
| Net charge-offs to loans | 0.0031% | 1,900 |
| Credit loss provision to net charge-offs | 4,050.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 388 |
| Efficiency ratio | 80.9570% | 768 |
| Assets per employee ($millions) | 6.8496% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,112 |
| Loan loss allowance to noncurrent loans | 122.8621% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 933 |
| Noncurrent loans to loans | 0.8857% | 851 |
| Net loans and leases to total assets | 62.2000% | 2,447 |
| Net loans and leases to deposits | 83.6711% | 1,521 |
| Net loans and leases to core deposits | 93.7301% | 1,405 |
| Total domestic deposits to total assets | 74.3400% | 4,265 |
| Equity capital to assets | 10.0097% | 1,818 |
| Core capital (leverage) ratio | 11.3186% | 1,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $417,403,000 | 1,983 |
| Average earning assets | $391,261,500 | 1,966 |
| Average equity | $41,991,500 | 1,837 |
| Average total loans | $257,915,000 | 1,988 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5653% | 2,897 |
| Cost of funding earning assets | 0.6423% | 748 |
| Net interest margin | 2.9230% | 3,626 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.5127% | 2,067 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.5218% | 4,052 |
| Return on assets (ROA) | 0.5157% | 4,018 |
| Pretax return on assets | 0.6359% | 3,966 |
| Return on Equity (ROE) | 4.5100% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.5059% | 3,231 |
| Net charge-offs to loans | 0.0196% | 1,704 |
| Credit loss provision to net charge-offs | 452.1739% | 725 |
| Earnings coverage of net charge-offs (x) | 57.6739% | 1,283 |
| Efficiency ratio | 77.1703% | 907 |
| Assets per employee ($millions) | 6.8358% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6930% | 4,216 |
| Loan loss allowance to noncurrent loans | 148.3926% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 1,726 |
| Noncurrent loans to loans | 0.4670% | 1,538 |
| Net loans and leases to total assets | 60.2800% | 2,609 |
| Net loans and leases to deposits | 81.2416% | 1,678 |
| Net loans and leases to core deposits | 86.0814% | 1,744 |
| Total domestic deposits to total assets | 74.1900% | 4,346 |
| Equity capital to assets | 10.1107% | 1,658 |
| Core capital (leverage) ratio | 12.3113% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $379,906,000 | 2,104 |
| Average earning assets | $355,730,000 | 2,086 |
| Average equity | $43,476,000 | 1,805 |
| Average total loans | $235,003,800 | 2,022 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4494% | 2,779 |
| Cost of funding earning assets | 0.5171% | 689 |
| Net interest margin | 2.9324% | 3,406 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.5142% | 1,975 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.5459% | 3,977 |
| Return on assets (ROA) | 0.5374% | 3,935 |
| Pretax return on assets | 0.6630% | 3,880 |
| Return on Equity (ROE) | 4.5500% | 4,070 |
| Retained earnings to average equity (ytd only) | 4.5473% | 3,262 |
| Net charge-offs to loans | 0.0179% | 1,486 |
| Credit loss provision to net charge-offs | 403.2258% | 699 |
| Earnings coverage of net charge-offs (x) | 64.4194% | 1,138 |
| Efficiency ratio | 76.6748% | 1,023 |
| Assets per employee ($millions) | 6.1547% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6971% | 4,253 |
| Loan loss allowance to noncurrent loans | 133.7034% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.3359% | 1,599 |
| Noncurrent loans to loans | 0.5214% | 1,497 |
| Net loans and leases to total assets | 63.9700% | 2,091 |
| Net loans and leases to deposits | 81.2775% | 1,498 |
| Net loans and leases to core deposits | 84.8011% | 1,601 |
| Total domestic deposits to total assets | 78.7100% | 4,201 |
| Equity capital to assets | 11.1624% | 1,122 |
| Core capital (leverage) ratio | 13.0026% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $370,636,750 | 2,150 |
| Average earning assets | $347,061,750 | 2,136 |
| Average equity | $43,805,000 | 1,820 |
| Average total loans | $230,481,750 | 2,049 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3318% | 2,638 |
| Cost of funding earning assets | 0.5201% | 462 |
| Net interest margin | 2.8117% | 3,415 |
| Noninterest income to average assets | 0.4758% | 2,325 |
| Noninterest expense to average assets | 2.4588% | 2,060 |
| Loan and lease loss provision to assets | 0.0417% | 1,826 |
| Net operating income to assets | 0.4924% | 3,915 |
| Return on assets (ROA) | 0.4796% | 3,898 |
| Pretax return on assets | 0.5907% | 3,833 |
| Return on Equity (ROE) | 3.9831% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.9831% | 3,087 |
| Net charge-offs to loans | 0.0265% | 1,185 |
| Credit loss provision to net charge-offs | 256.6667% | 861 |
| Earnings coverage of net charge-offs (x) | 39.8667% | 1,260 |
| Efficiency ratio | 77.9871% | 1,084 |
| Assets per employee ($millions) | 6.4407% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7064% | 4,320 |
| Loan loss allowance to noncurrent loans | 104.3949% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 1,193 |
| Noncurrent loans to loans | 0.6766% | 1,278 |
| Net loans and leases to total assets | 61.6735% | 2,157 |
| Net loans and leases to deposits | 76.2833% | 1,668 |
| Net loans and leases to core deposits | 79.9891% | 1,718 |
| Total domestic deposits to total assets | 80.8480% | 4,153 |
| Equity capital to assets | 11.3805% | 1,070 |
| Core capital (leverage) ratio | 12.7630% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,036,000 | 2,163 |
| Average earning assets | $345,340,333 | 2,161 |
| Average equity | $44,437,333 | 1,848 |
| Average total loans | $226,686,000 | 2,072 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2647% | 2,490 |
| Cost of funding earning assets | 0.5321% | 417 |
| Net interest margin | 2.7326% | 3,332 |
| Noninterest income to average assets | 0.4504% | 2,390 |
| Noninterest expense to average assets | 2.3786% | 2,235 |
| Loan and lease loss provision to assets | 0.0436% | 1,574 |
| Net operating income to assets | 0.4777% | 3,766 |
| Return on assets (ROA) | 0.4777% | 3,736 |
| Pretax return on assets | 0.5878% | 3,668 |
| Return on Equity (ROE) | 3.8591% | 3,918 |
| Retained earnings to average equity (ytd only) | 3.8591% | 2,988 |
| Net charge-offs to loans | 0.0393% | 889 |
| Credit loss provision to net charge-offs | 181.8182% | 804 |
| Earnings coverage of net charge-offs (x) | 26.3182% | 1,189 |
| Efficiency ratio | 77.8261% | 1,327 |
| Assets per employee ($millions) | 6.1479% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 4,366 |
| Loan loss allowance to noncurrent loans | 110.5769% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 1,351 |
| Noncurrent loans to loans | 0.6438% | 1,464 |
| Net loans and leases to total assets | 60.8778% | 1,972 |
| Net loans and leases to deposits | 76.0877% | 1,435 |
| Net loans and leases to core deposits | 79.9751% | 1,482 |
| Total domestic deposits to total assets | 80.0100% | 4,293 |
| Equity capital to assets | 12.0285% | 940 |
| Core capital (leverage) ratio | 12.8405% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,774,500 | 2,179 |
| Average earning assets | $343,557,500 | 2,172 |
| Average equity | $45,399,500 | 1,872 |
| Average total loans | $224,016,000 | 2,082 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 3,007 |
| Cost of funding earning assets | 0.6692% | 373 |
| Net interest margin | 2.6999% | 3,870 |
| Noninterest income to average assets | 0.4817% | 2,671 |
| Noninterest expense to average assets | 2.6191% | 1,824 |
| Loan and lease loss provision to assets | 0.0148% | 2,787 |
| Net operating income to assets | 0.3057% | 4,414 |
| Return on assets (ROA) | 0.3057% | 4,436 |
| Pretax return on assets | 0.3681% | 4,423 |
| Return on Equity (ROE) | 2.7504% | 4,403 |
| Retained earnings to average equity (ytd only) | 1.4192% | 4,147 |
| Net charge-offs to loans | 0.0087% | 2,252 |
| Credit loss provision to net charge-offs | 263.1579% | 1,138 |
| Earnings coverage of net charge-offs (x) | 68.1053% | 1,098 |
| Efficiency ratio | 85.9438% | 478 |
| Assets per employee ($millions) | 5.9783% | 2,795 |
| Cash dividends to net income (ytd only)* | 48.4027% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 4,394 |
| Loan loss allowance to noncurrent loans | 99.6245% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4955% | 1,344 |
| Noncurrent loans to loans | 0.7203% | 1,412 |
| Net loans and leases to total assets | 60.4011% | 2,121 |
| Net loans and leases to deposits | 76.3586% | 1,539 |
| Net loans and leases to core deposits | 80.0750% | 1,588 |
| Total domestic deposits to total assets | 79.1019% | 4,308 |
| Equity capital to assets | 12.7316% | 985 |
| Core capital (leverage) ratio | 12.8941% | 834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,936,200 | 2,257 |
| Average earning assets | $315,459,000 | 2,255 |
| Average equity | $37,557,600 | 2,173 |
| Average total loans | $217,816,600 | 2,118 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 3,081 |
| Cost of funding earning assets | 0.7011% | 379 |
| Net interest margin | 2.7056% | 3,960 |
| Noninterest income to average assets | 0.4854% | 2,689 |
| Noninterest expense to average assets | 2.6440% | 1,720 |
| Loan and lease loss provision to assets | 0.0178% | 2,649 |
| Net operating income to assets | 0.2874% | 4,537 |
| Return on assets (ROA) | 0.2874% | 4,558 |
| Pretax return on assets | 0.3462% | 4,552 |
| Return on Equity (ROE) | 2.6938% | 4,502 |
| Retained earnings to average equity (ytd only) | 0.8074% | 4,447 |
| Net charge-offs to loans | 0.0080% | 2,019 |
| Credit loss provision to net charge-offs | 338.4615% | 939 |
| Earnings coverage of net charge-offs (x) | 69.5385% | 1,070 |
| Efficiency ratio | 86.5783% | 416 |
| Assets per employee ($millions) | 5.7882% | 2,906 |
| Cash dividends to net income (ytd only)* | 70.0280% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 4,452 |
| Loan loss allowance to noncurrent loans | 60.1890% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7953% | 896 |
| Noncurrent loans to loans | 1.2109% | 919 |
| Net loans and leases to total assets | 60.4229% | 2,203 |
| Net loans and leases to deposits | 78.0217% | 1,479 |
| Net loans and leases to core deposits | 81.8804% | 1,580 |
| Total domestic deposits to total assets | 77.4437% | 4,468 |
| Equity capital to assets | 13.0778% | 962 |
| Core capital (leverage) ratio | 13.0749% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,251,750 | 2,309 |
| Average earning assets | $308,832,000 | 2,310 |
| Average equity | $35,339,750 | 2,303 |
| Average total loans | $216,806,000 | 2,155 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5037% | 2,880 |
| Cost of funding earning assets | 0.7415% | 380 |
| Net interest margin | 2.7623% | 3,870 |
| Noninterest income to average assets | 0.4856% | 2,691 |
| Noninterest expense to average assets | 2.7176% | 1,542 |
| Loan and lease loss provision to assets | 0.0186% | 2,587 |
| Net operating income to assets | 0.2683% | 4,563 |
| Return on assets (ROA) | 0.2683% | 4,580 |
| Pretax return on assets | 0.3198% | 4,570 |
| Return on Equity (ROE) | 2.7450% | 4,517 |
| Retained earnings to average equity (ytd only) | -0.4321% | 4,559 |
| Net charge-offs to loans | 0.0074% | 1,863 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 68.1250% | 912 |
| Efficiency ratio | 87.5838% | 414 |
| Assets per employee ($millions) | 5.6450% | 2,966 |
| Cash dividends to net income (ytd only)* | 115.7407% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 4,500 |
| Loan loss allowance to noncurrent loans | 131.6972% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 1,994 |
| Noncurrent loans to loans | 0.5462% | 2,036 |
| Net loans and leases to total assets | 62.4274% | 2,129 |
| Net loans and leases to deposits | 76.1817% | 1,800 |
| Net loans and leases to core deposits | 79.3130% | 1,938 |
| Total domestic deposits to total assets | 81.9454% | 3,932 |
| Equity capital to assets | 8.9531% | 3,832 |
| Core capital (leverage) ratio | 9.3446% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $322,046,667 | 2,350 |
| Average earning assets | $299,680,333 | 2,355 |
| Average equity | $31,475,667 | 2,476 |
| Average total loans | $216,264,667 | 2,168 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 2,461 |
| Cost of funding earning assets | 0.7878% | 380 |
| Net interest margin | 2.8765% | 3,581 |
| Noninterest income to average assets | 0.4830% | 2,683 |
| Noninterest expense to average assets | 2.7643% | 1,456 |
| Loan and lease loss provision to assets | 0.0026% | 2,714 |
| Net operating income to assets | 0.3168% | 4,493 |
| Return on assets (ROA) | 0.3168% | 4,530 |
| Pretax return on assets | 0.3804% | 4,514 |
| Return on Equity (ROE) | 3.0939% | 4,456 |
| Retained earnings to average equity (ytd only) | 3.0939% | 3,752 |
| Net charge-offs to loans | 0.0019% | 1,859 |
| Credit loss provision to net charge-offs | 200.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 295.0000% | 298 |
| Efficiency ratio | 86.4686% | 494 |
| Assets per employee ($millions) | 5.1050% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 4,517 |
| Loan loss allowance to noncurrent loans | 162.3701% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 2,319 |
| Noncurrent loans to loans | 0.4498% | 2,509 |
| Net loans and leases to total assets | 67.0846% | 1,650 |
| Net loans and leases to deposits | 84.0344% | 1,138 |
| Net loans and leases to core deposits | 87.9052% | 1,373 |
| Total domestic deposits to total assets | 79.8299% | 4,229 |
| Equity capital to assets | 10.0023% | 2,703 |
| Core capital (leverage) ratio | 10.0970% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,075,500 | 2,400 |
| Average earning assets | $285,351,500 | 2,409 |
| Average equity | $31,546,000 | 2,461 |
| Average total loans | $214,361,000 | 2,185 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 2,508 |
| Cost of funding earning assets | 0.9541% | 707 |
| Net interest margin | 3.1171% | 3,590 |
| Noninterest income to average assets | 0.5900% | 2,254 |
| Noninterest expense to average assets | 2.9427% | 1,563 |
| Loan and lease loss provision to assets | 0.1702% | 2,257 |
| Net operating income to assets | 0.2968% | 4,434 |
| Return on assets (ROA) | 0.2968% | 4,501 |
| Pretax return on assets | 0.3548% | 4,478 |
| Return on Equity (ROE) | 2.6775% | 4,445 |
| Retained earnings to average equity (ytd only) | 1.0913% | 4,195 |
| Net charge-offs to loans | 0.0127% | 2,878 |
| Credit loss provision to net charge-offs | 1,928.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 59.7200% | 1,073 |
| Efficiency ratio | 83.5226% | 668 |
| Assets per employee ($millions) | 4.7555% | 3,656 |
| Cash dividends to net income (ytd only)* | 59.2417% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 4,546 |
| Loan loss allowance to noncurrent loans | 179.0138% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 2,542 |
| Noncurrent loans to loans | 0.4059% | 2,762 |
| Net loans and leases to total assets | 71.1860% | 1,402 |
| Net loans and leases to deposits | 90.5025% | 893 |
| Net loans and leases to core deposits | 94.5950% | 1,204 |
| Total domestic deposits to total assets | 78.6563% | 4,241 |
| Equity capital to assets | 10.4954% | 2,677 |
| Core capital (leverage) ratio | 10.4874% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,396,000 | 2,376 |
| Average earning assets | $262,553,000 | 2,384 |
| Average equity | $31,521,400 | 2,406 |
| Average total loans | $196,162,600 | 2,272 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 2,641 |
| Cost of funding earning assets | 0.9821% | 807 |
| Net interest margin | 3.1333% | 3,660 |
| Noninterest income to average assets | 0.6111% | 2,129 |
| Noninterest expense to average assets | 2.9584% | 1,538 |
| Loan and lease loss provision to assets | 0.1001% | 3,069 |
| Net operating income to assets | 0.3716% | 4,321 |
| Return on assets (ROA) | 0.3716% | 4,381 |
| Pretax return on assets | 0.4448% | 4,380 |
| Return on Equity (ROE) | 3.3057% | 4,334 |
| Retained earnings to average equity (ytd only) | 3.3057% | 3,391 |
| Net charge-offs to loans | 0.0097% | 2,756 |
| Credit loss provision to net charge-offs | 1,507.1429% | 615 |
| Earnings coverage of net charge-offs (x) | 81.9286% | 908 |
| Efficiency ratio | 83.1005% | 667 |
| Assets per employee ($millions) | 4.7452% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6273% | 4,689 |
| Loan loss allowance to noncurrent loans | 84.5354% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 1,973 |
| Noncurrent loans to loans | 0.7420% | 1,954 |
| Net loans and leases to total assets | 68.9458% | 2,119 |
| Net loans and leases to deposits | 89.9966% | 1,265 |
| Net loans and leases to core deposits | 94.3840% | 1,603 |
| Total domestic deposits to total assets | 76.6093% | 4,370 |
| Equity capital to assets | 10.6788% | 2,643 |
| Core capital (leverage) ratio | 10.7705% | 2,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,595,750 | 2,374 |
| Average earning assets | $259,020,000 | 2,381 |
| Average equity | $31,540,750 | 2,400 |
| Average total loans | $191,495,250 | 2,313 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1731% | 2,841 |
| Cost of funding earning assets | 1.0296% | 900 |
| Net interest margin | 3.1435% | 3,801 |
| Noninterest income to average assets | 0.6551% | 1,918 |
| Noninterest expense to average assets | 2.9438% | 1,731 |
| Loan and lease loss provision to assets | 0.1057% | 2,955 |
| Net operating income to assets | 0.4175% | 4,199 |
| Return on assets (ROA) | 0.4175% | 4,259 |
| Pretax return on assets | 0.5020% | 4,245 |
| Return on Equity (ROE) | 3.6482% | 4,208 |
| Retained earnings to average equity (ytd only) | 3.6482% | 3,096 |
| Net charge-offs to loans | 0.0075% | 2,681 |
| Credit loss provision to net charge-offs | 2,071.4286% | 469 |
| Earnings coverage of net charge-offs (x) | 119.1429% | 626 |
| Efficiency ratio | 81.5347% | 787 |
| Assets per employee ($millions) | 4.5373% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6307% | 4,700 |
| Loan loss allowance to noncurrent loans | 160.8808% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 2,926 |
| Noncurrent loans to loans | 0.3921% | 2,997 |
| Net loans and leases to total assets | 68.4528% | 2,271 |
| Net loans and leases to deposits | 88.2574% | 1,528 |
| Net loans and leases to core deposits | 92.4311% | 1,869 |
| Total domestic deposits to total assets | 77.5605% | 4,247 |
| Equity capital to assets | 11.1160% | 2,238 |
| Core capital (leverage) ratio | 11.0904% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,478,333 | 2,382 |
| Average earning assets | $252,906,000 | 2,401 |
| Average equity | $31,413,000 | 2,391 |
| Average total loans | $186,189,333 | 2,344 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 3,057 |
| Cost of funding earning assets | 1.0735% | 1,126 |
| Net interest margin | 3.1802% | 3,909 |
| Noninterest income to average assets | 0.5491% | 2,286 |
| Noninterest expense to average assets | 3.0030% | 1,883 |
| Loan and lease loss provision to assets | 0.0060% | 3,677 |
| Net operating income to assets | 0.3944% | 4,148 |
| Return on assets (ROA) | 0.3944% | 4,182 |
| Pretax return on assets | 0.4717% | 4,167 |
| Return on Equity (ROE) | 3.3940% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.3940% | 2,922 |
| Net charge-offs to loans | 0.0133% | 2,120 |
| Credit loss provision to net charge-offs | 66.6667% | 1,986 |
| Earnings coverage of net charge-offs (x) | 53.5000% | 855 |
| Efficiency ratio | 84.8653% | 776 |
| Assets per employee ($millions) | 4.3532% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 4,755 |
| Loan loss allowance to noncurrent loans | 165.7143% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,152 |
| Noncurrent loans to loans | 0.3628% | 3,200 |
| Net loans and leases to total assets | 67.5060% | 2,615 |
| Net loans and leases to deposits | 90.2690% | 1,476 |
| Net loans and leases to core deposits | 94.4413% | 1,929 |
| Total domestic deposits to total assets | 74.7832% | 4,597 |
| Equity capital to assets | 11.6214% | 2,344 |
| Core capital (leverage) ratio | 11.5452% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,793,500 | 2,374 |
| Average earning assets | $247,783,500 | 2,385 |
| Average equity | $31,232,000 | 2,388 |
| Average total loans | $180,827,500 | 2,350 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,720 |
| Cost of funding earning assets | 1.1039% | 1,310 |
| Net interest margin | 3.1300% | 4,324 |
| Noninterest income to average assets | 0.5661% | 2,392 |
| Noninterest expense to average assets | 2.9331% | 2,196 |
| Loan and lease loss provision to assets | 0.0618% | 2,800 |
| Net operating income to assets | 0.3870% | 4,613 |
| Return on assets (ROA) | 0.4088% | 4,613 |
| Pretax return on assets | 0.4907% | 4,591 |
| Return on Equity (ROE) | 3.4868% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.4868% | 3,266 |
| Net charge-offs to loans | 0.0177% | 3,083 |
| Credit loss provision to net charge-offs | 533.3333% | 552 |
| Earnings coverage of net charge-offs (x) | 45.4000% | 1,206 |
| Efficiency ratio | 83.3129% | 703 |
| Assets per employee ($millions) | 4.3175% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6190% | 4,708 |
| Loan loss allowance to noncurrent loans | 63.5213% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 1,959 |
| Noncurrent loans to loans | 0.9745% | 1,568 |
| Net loans and leases to total assets | 66.2155% | 2,922 |
| Net loans and leases to deposits | 86.7551% | 2,002 |
| Net loans and leases to core deposits | 90.3153% | 2,396 |
| Total domestic deposits to total assets | 76.3247% | 4,565 |
| Equity capital to assets | 11.6173% | 2,411 |
| Core capital (leverage) ratio | 11.4066% | 2,184 |
| Tier 1 risk-based capital ratio | 20.4011% | 1,264 |
| Total risk-based capital ratio | 21.1444% | 1,307 |
| Memoranda: | ||
| Average total assets | $258,807,800 | 2,405 |
| Average earning assets | $239,234,600 | 2,413 |
| Average equity | $30,343,400 | 2,371 |
| Average total loans | $169,842,200 | 2,409 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1951% | 3,929 |
| Cost of funding earning assets | 1.1006% | 1,357 |
| Net interest margin | 3.0944% | 4,487 |
| Noninterest income to average assets | 0.5144% | 2,637 |
| Noninterest expense to average assets | 2.9141% | 2,213 |
| Loan and lease loss provision to assets | 0.0462% | 2,976 |
| Net operating income to assets | 0.3460% | 4,792 |
| Return on assets (ROA) | 0.3757% | 4,784 |
| Pretax return on assets | 0.4484% | 4,754 |
| Return on Equity (ROE) | 3.1968% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.1968% | 3,806 |
| Net charge-offs to loans | 0.0095% | 3,029 |
| Credit loss provision to net charge-offs | 741.6667% | 455 |
| Earnings coverage of net charge-offs (x) | 73.6650% | 916 |
| Efficiency ratio | 84.8583% | 561 |
| Assets per employee ($millions) | 4.3198% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6030% | 4,815 |
| Loan loss allowance to noncurrent loans | 182.0069% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,664 |
| Noncurrent loans to loans | 0.3313% | 3,348 |
| Net loans and leases to total assets | 65.8031% | 3,074 |
| Net loans and leases to deposits | 85.7207% | 2,227 |
| Net loans and leases to core deposits | 88.7871% | 2,656 |
| Total domestic deposits to total assets | 76.7645% | 4,547 |
| Equity capital to assets | 11.6680% | 2,542 |
| Core capital (leverage) ratio | 11.5348% | 2,188 |
| Tier 1 risk-based capital ratio | 20.4410% | 1,298 |
| Total risk-based capital ratio | 21.1624% | 1,347 |
| Memoranda: | ||
| Average total assets | $256,587,750 | 2,438 |
| Average earning assets | $237,066,750 | 2,438 |
| Average equity | $30,154,750 | 2,399 |
| Average total loans | $167,714,000 | 2,456 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1466% | 4,056 |
| Cost of funding earning assets | 1.0862% | 1,350 |
| Net interest margin | 3.0604% | 4,598 |
| Noninterest income to average assets | 0.4963% | 2,697 |
| Noninterest expense to average assets | 3.0108% | 1,979 |
| Loan and lease loss provision to assets | 0.0503% | 2,811 |
| Net operating income to assets | 0.2271% | 4,967 |
| Return on assets (ROA) | 0.2643% | 4,936 |
| Pretax return on assets | 0.3083% | 4,926 |
| Return on Equity (ROE) | 2.2432% | 4,911 |
| Retained earnings to average equity (ytd only) | 2.2432% | 4,042 |
| Net charge-offs to loans | 0.0085% | 2,838 |
| Credit loss provision to net charge-offs | 914.2857% | 372 |
| Earnings coverage of net charge-offs (x) | 57.2857% | 1,010 |
| Efficiency ratio | 88.9572% | 394 |
| Assets per employee ($millions) | 4.2869% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5992% | 4,878 |
| Loan loss allowance to noncurrent loans | 191.6357% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,712 |
| Noncurrent loans to loans | 0.3127% | 3,420 |
| Net loans and leases to total assets | 65.4039% | 3,178 |
| Net loans and leases to deposits | 83.3435% | 2,566 |
| Net loans and leases to core deposits | 86.1573% | 2,947 |
| Total domestic deposits to total assets | 78.4752% | 4,317 |
| Equity capital to assets | 11.6089% | 2,516 |
| Core capital (leverage) ratio | 11.6856% | 2,030 |
| Tier 1 risk-based capital ratio | 20.5371% | 1,245 |
| Total risk-based capital ratio | 21.2575% | 1,322 |
| Memoranda: | ||
| Average total assets | $254,281,670 | 2,461 |
| Average earning assets | $235,131,330 | 2,468 |
| Average equity | $29,957,670 | 2,400 |
| Average total loans | $165,469,670 | 2,484 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 4,233 |
| Cost of funding earning assets | 1.0694% | 1,292 |
| Net interest margin | 2.9906% | 4,766 |
| Noninterest income to average assets | 0.4867% | 2,630 |
| Noninterest expense to average assets | 3.1531% | 1,610 |
| Loan and lease loss provision to assets | 0.0351% | 2,921 |
| Net operating income to assets | 0.0570% | 5,114 |
| Return on assets (ROA) | 0.1404% | 5,067 |
| Pretax return on assets | 0.1484% | 5,072 |
| Return on Equity (ROE) | 1.1829% | 5,054 |
| Retained earnings to average equity (ytd only) | 1.1829% | 4,276 |
| Net charge-offs to loans | 0.0025% | 2,668 |
| Credit loss provision to net charge-offs | 2,200.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 915 |
| Efficiency ratio | 95.4322% | 240 |
| Assets per employee ($millions) | 4.0265% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6034% | 4,931 |
| Loan loss allowance to noncurrent loans | 94.4867% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 2,863 |
| Noncurrent loans to loans | 0.6386% | 2,416 |
| Net loans and leases to total assets | 65.5943% | 3,106 |
| Net loans and leases to deposits | 81.5351% | 2,658 |
| Net loans and leases to core deposits | 84.3399% | 2,996 |
| Total domestic deposits to total assets | 80.4492% | 4,085 |
| Equity capital to assets | 11.9543% | 2,045 |
| Core capital (leverage) ratio | 11.9055% | 1,825 |
| Tier 1 risk-based capital ratio | 21.5315% | 1,106 |
| Total risk-based capital ratio | 22.2668% | 1,142 |
| Memoranda: | ||
| Average total assets | $250,673,500 | 2,505 |
| Average earning assets | $231,524,000 | 2,512 |
| Average equity | $29,758,000 | 2,420 |
| Average total loans | $162,174,000 | 2,539 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0147% | 3,982 |
| Cost of funding earning assets | 0.9440% | 951 |
| Net interest margin | 3.0707% | 4,692 |
| Noninterest income to average assets | 0.6104% | 2,235 |
| Noninterest expense to average assets | 3.0109% | 2,019 |
| Loan and lease loss provision to assets | 0.0071% | 3,979 |
| Net operating income to assets | 0.3662% | 4,911 |
| Return on assets (ROA) | 0.3662% | 4,906 |
| Pretax return on assets | 0.4279% | 4,909 |
| Return on Equity (ROE) | 2.8371% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.8371% | 3,982 |
| Net charge-offs to loans | 0.0090% | 3,370 |
| Credit loss provision to net charge-offs | 123.0769% | 2,125 |
| Earnings coverage of net charge-offs (x) | 75.9231% | 891 |
| Efficiency ratio | 87.3769% | 458 |
| Assets per employee ($millions) | 4.6612% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 4,952 |
| Loan loss allowance to noncurrent loans | 130.6040% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 3,348 |
| Noncurrent loans to loans | 0.4668% | 2,874 |
| Net loans and leases to total assets | 63.0186% | 3,463 |
| Net loans and leases to deposits | 80.2133% | 2,930 |
| Net loans and leases to core deposits | 83.0455% | 3,176 |
| Total domestic deposits to total assets | 78.5638% | 4,398 |
| Equity capital to assets | 11.7888% | 2,039 |
| Core capital (leverage) ratio | 12.8740% | 1,296 |
| Tier 1 risk-based capital ratio | 21.5868% | 1,083 |
| Total risk-based capital ratio | 22.3115% | 1,134 |
| Memoranda: | ||
| Average total assets | $226,907,400 | 2,635 |
| Average earning assets | $209,527,600 | 2,641 |
| Average equity | $29,290,200 | 2,374 |
| Average total loans | $144,632,200 | 2,714 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,838 |
| Cost of funding earning assets | 0.9183% | 850 |
| Net interest margin | 3.1139% | 4,678 |
| Noninterest income to average assets | 0.6313% | 2,159 |
| Noninterest expense to average assets | 3.0284% | 1,932 |
| Loan and lease loss provision to assets | 0.0060% | 3,852 |
| Net operating income to assets | 0.4060% | 4,942 |
| Return on assets (ROA) | 0.4060% | 4,944 |
| Pretax return on assets | 0.4730% | 4,938 |
| Return on Equity (ROE) | 3.0690% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.0690% | 4,207 |
| Net charge-offs to loans | 0.0066% | 3,194 |
| Credit loss provision to net charge-offs | 142.8571% | 1,770 |
| Earnings coverage of net charge-offs (x) | 113.3237% | 681 |
| Efficiency ratio | 86.3417% | 497 |
| Assets per employee ($millions) | 4.0678% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6556% | 4,959 |
| Loan loss allowance to noncurrent loans | 124.8718% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 2,780 |
| Noncurrent loans to loans | 0.5250% | 2,808 |
| Net loans and leases to total assets | 64.7882% | 3,333 |
| Net loans and leases to deposits | 86.0037% | 2,368 |
| Net loans and leases to core deposits | 89.5774% | 2,694 |
| Total domestic deposits to total assets | 75.3319% | 4,854 |
| Equity capital to assets | 12.9129% | 1,372 |
| Core capital (leverage) ratio | 13.4854% | 1,110 |
| Tier 1 risk-based capital ratio | 24.7469% | 777 |
| Total risk-based capital ratio | 25.5571% | 793 |
| Memoranda: | ||
| Average total assets | $220,708,000 | 2,702 |
| Average earning assets | $203,853,500 | 2,710 |
| Average equity | $29,194,500 | 2,393 |
| Average total loans | $140,891,750 | 2,771 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9904% | 3,811 |
| Cost of funding earning assets | 0.8723% | 822 |
| Net interest margin | 3.1181% | 4,695 |
| Noninterest income to average assets | 0.6265% | 2,196 |
| Noninterest expense to average assets | 2.9870% | 2,070 |
| Loan and lease loss provision to assets | 0.0055% | 3,722 |
| Net operating income to assets | 0.4360% | 4,885 |
| Return on assets (ROA) | 0.4360% | 4,893 |
| Pretax return on assets | 0.5120% | 4,882 |
| Return on Equity (ROE) | 3.2691% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.2691% | 3,935 |
| Net charge-offs to loans | 0.0072% | 2,871 |
| Credit loss provision to net charge-offs | 120.0000% | 1,797 |
| Earnings coverage of net charge-offs (x) | 113.0000% | 636 |
| Efficiency ratio | 85.2326% | 616 |
| Assets per employee ($millions) | 3.9687% | 3,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 4,955 |
| Loan loss allowance to noncurrent loans | 113.5514% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,641 |
| Noncurrent loans to loans | 0.6120% | 2,581 |
| Net loans and leases to total assets | 63.6363% | 3,437 |
| Net loans and leases to deposits | 83.0155% | 2,652 |
| Net loans and leases to core deposits | 86.5516% | 2,873 |
| Total domestic deposits to total assets | 76.6559% | 4,777 |
| Equity capital to assets | 13.3944% | 1,140 |
| Core capital (leverage) ratio | 13.7597% | 974 |
| Tier 1 risk-based capital ratio | 22.0303% | 1,032 |
| Total risk-based capital ratio | 22.7547% | 1,077 |
| Memoranda: | ||
| Average total assets | $218,345,330 | 2,741 |
| Average earning assets | $201,531,670 | 2,739 |
| Average equity | $29,121,000 | 2,408 |
| Average total loans | $138,336,000 | 2,814 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 3,863 |
| Cost of funding earning assets | 0.8561% | 746 |
| Net interest margin | 3.0676% | 4,767 |
| Noninterest income to average assets | 0.7235% | 1,728 |
| Noninterest expense to average assets | 2.9508% | 2,198 |
| Loan and lease loss provision to assets | 0.0037% | 3,465 |
| Net operating income to assets | 0.5110% | 4,664 |
| Return on assets (ROA) | 0.5110% | 4,669 |
| Pretax return on assets | 0.6045% | 4,674 |
| Return on Equity (ROE) | 3.8399% | 4,807 |
| Retained earnings to average equity (ytd only) | 3.8399% | 3,658 |
| Net charge-offs to loans | 0.0087% | 2,422 |
| Credit loss provision to net charge-offs | 66.6667% | 1,852 |
| Earnings coverage of net charge-offs (x) | 110.6667% | 566 |
| Efficiency ratio | 82.9130% | 868 |
| Assets per employee ($millions) | 3.9420% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 5,006 |
| Loan loss allowance to noncurrent loans | 107.3009% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 2,285 |
| Noncurrent loans to loans | 0.6627% | 2,565 |
| Net loans and leases to total assets | 62.4652% | 3,489 |
| Net loans and leases to deposits | 79.9103% | 2,818 |
| Net loans and leases to core deposits | 84.1606% | 2,966 |
| Total domestic deposits to total assets | 78.1691% | 4,707 |
| Equity capital to assets | 13.4365% | 1,057 |
| Core capital (leverage) ratio | 13.6791% | 957 |
| Tier 1 risk-based capital ratio | 25.3306% | 731 |
| Total risk-based capital ratio | 26.1675% | 743 |
| Memoranda: | ||
| Average total assets | $218,379,000 | 2,773 |
| Average earning assets | $201,854,500 | 2,769 |
| Average equity | $29,063,000 | 2,431 |
| Average total loans | $137,566,000 | 2,847 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 3,290 |
| Cost of funding earning assets | 0.8623% | 456 |
| Net interest margin | 3.1730% | 4,510 |
| Noninterest income to average assets | 0.5333% | 2,803 |
| Noninterest expense to average assets | 3.0711% | 1,953 |
| Loan and lease loss provision to assets | -0.0202% | 5,332 |
| Net operating income to assets | 0.3831% | 4,746 |
| Return on assets (ROA) | 0.3840% | 4,756 |
| Pretax return on assets | 0.4119% | 5,075 |
| Return on Equity (ROE) | 2.7935% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.7935% | 3,635 |
| Net charge-offs to loans | -0.0435% | 5,149 |
| Credit loss provision to net charge-offs | 70.0000% | 3,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7133% | 489 |
| Assets per employee ($millions) | 4.3127% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6999% | 5,073 |
| Loan loss allowance to noncurrent loans | 180.1484% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 3,408 |
| Noncurrent loans to loans | 0.3885% | 3,369 |
| Net loans and leases to total assets | 62.6331% | 3,541 |
| Net loans and leases to deposits | 81.3875% | 2,772 |
| Net loans and leases to core deposits | 85.7163% | 2,929 |
| Total domestic deposits to total assets | 76.9566% | 4,854 |
| Equity capital to assets | 13.1823% | 1,175 |
| Core capital (leverage) ratio | 13.7752% | 895 |
| Tier 1 risk-based capital ratio | 24.6591% | 759 |
| Total risk-based capital ratio | 25.4825% | 782 |
| Memoranda: | ||
| Average total assets | $208,326,600 | 2,839 |
| Average earning assets | $192,276,000 | 2,841 |
| Average equity | $28,637,600 | 2,453 |
| Average total loans | $137,773,600 | 2,814 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0625% | 3,121 |
| Cost of funding earning assets | 0.8681% | 420 |
| Net interest margin | 3.1944% | 4,460 |
| Noninterest income to average assets | 0.5322% | 2,826 |
| Noninterest expense to average assets | 3.0447% | 1,977 |
| Loan and lease loss provision to assets | 0.0039% | 4,037 |
| Net operating income to assets | 0.4245% | 4,945 |
| Return on assets (ROA) | 0.4258% | 4,972 |
| Pretax return on assets | 0.4297% | 5,137 |
| Return on Equity (ROE) | 3.0637% | 5,091 |
| Retained earnings to average equity (ytd only) | 3.0637% | 4,083 |
| Net charge-offs to loans | -0.0097% | 4,630 |
| Credit loss provision to net charge-offs | -60.0000% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5677% | 531 |
| Assets per employee ($millions) | 4.1729% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 5,129 |
| Loan loss allowance to noncurrent loans | 182.1429% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 3,644 |
| Noncurrent loans to loans | 0.3867% | 3,570 |
| Net loans and leases to total assets | 64.1897% | 3,368 |
| Net loans and leases to deposits | 81.2019% | 2,852 |
| Net loans and leases to core deposits | 85.5343% | 3,006 |
| Total domestic deposits to total assets | 79.0495% | 4,523 |
| Equity capital to assets | 13.6146% | 1,117 |
| Core capital (leverage) ratio | 14.0404% | 884 |
| Tier 1 risk-based capital ratio | 24.9070% | 764 |
| Total risk-based capital ratio | 25.7410% | 784 |
| Memoranda: | ||
| Average total assets | $205,421,750 | 2,892 |
| Average earning assets | $189,368,750 | 2,901 |
| Average equity | $28,548,500 | 2,476 |
| Average total loans | $137,534,500 | 2,835 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,798 |
| Cost of funding earning assets | 0.8690% | 369 |
| Net interest margin | 3.2398% | 4,293 |
| Noninterest income to average assets | 0.5321% | 2,820 |
| Noninterest expense to average assets | 3.0489% | 1,981 |
| Loan and lease loss provision to assets | 0.0039% | 3,824 |
| Net operating income to assets | 0.3873% | 5,003 |
| Return on assets (ROA) | 0.3873% | 5,030 |
| Pretax return on assets | 0.4661% | 5,061 |
| Return on Equity (ROE) | 2.7670% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.7670% | 4,051 |
| Net charge-offs to loans | -0.0189% | 4,763 |
| Credit loss provision to net charge-offs | -30.7692% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6424% | 643 |
| Assets per employee ($millions) | 4.0762% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 5,182 |
| Loan loss allowance to noncurrent loans | 305.0314% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 4,088 |
| Noncurrent loans to loans | 0.2335% | 4,192 |
| Net loans and leases to total assets | 66.3569% | 3,051 |
| Net loans and leases to deposits | 84.9948% | 2,355 |
| Net loans and leases to core deposits | 89.1739% | 2,600 |
| Total domestic deposits to total assets | 78.0717% | 4,804 |
| Equity capital to assets | 14.0783% | 934 |
| Core capital (leverage) ratio | 14.2748% | 785 |
| Tier 1 risk-based capital ratio | 25.2150% | 726 |
| Total risk-based capital ratio | 26.0679% | 748 |
| Memoranda: | ||
| Average total assets | $202,957,000 | 2,931 |
| Average earning assets | $187,108,670 | 2,940 |
| Average equity | $28,406,670 | 2,479 |
| Average total loans | $137,521,000 | 2,843 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 2,636 |
| Cost of funding earning assets | 0.8639% | 347 |
| Net interest margin | 3.2413% | 4,212 |
| Noninterest income to average assets | 0.5352% | 2,736 |
| Noninterest expense to average assets | 3.1442% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3279% | 5,132 |
| Return on assets (ROA) | 0.3279% | 5,157 |
| Pretax return on assets | 0.3772% | 5,199 |
| Return on Equity (ROE) | 2.3493% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.3493% | 4,201 |
| Net charge-offs to loans | -0.0145% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2877% | 590 |
| Assets per employee ($millions) | 4.0655% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 5,316 |
| Loan loss allowance to noncurrent loans | 126.8874% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 3,326 |
| Noncurrent loans to loans | 0.5487% | 3,170 |
| Net loans and leases to total assets | 67.2147% | 2,786 |
| Net loans and leases to deposits | 87.0443% | 1,906 |
| Net loans and leases to core deposits | 91.3846% | 2,227 |
| Total domestic deposits to total assets | 77.2189% | 5,088 |
| Equity capital to assets | 13.9585% | 916 |
| Core capital (leverage) ratio | 14.3135% | 760 |
| Tier 1 risk-based capital ratio | 24.7853% | 793 |
| Total risk-based capital ratio | 25.6198% | 810 |
| Memoranda: | ||
| Average total assets | $202,530,500 | 2,967 |
| Average earning assets | $186,591,500 | 2,980 |
| Average equity | $28,263,500 | 2,495 |
| Average total loans | $138,175,500 | 2,845 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 2,282 |
| Cost of funding earning assets | 0.8569% | 373 |
| Net interest margin | 3.4011% | 3,825 |
| Noninterest income to average assets | 0.5450% | 2,946 |
| Noninterest expense to average assets | 3.2184% | 1,745 |
| Loan and lease loss provision to assets | 0.0025% | 4,304 |
| Net operating income to assets | 0.3441% | 5,098 |
| Return on assets (ROA) | 0.3755% | 5,098 |
| Pretax return on assets | 0.5056% | 5,014 |
| Return on Equity (ROE) | 2.6853% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.6853% | 3,993 |
| Net charge-offs to loans | -0.0388% | 5,323 |
| Credit loss provision to net charge-offs | -8.9286% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3579% | 725 |
| Assets per employee ($millions) | 4.0357% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 5,384 |
| Loan loss allowance to noncurrent loans | 271.5100% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 4,164 |
| Noncurrent loans to loans | 0.2529% | 4,246 |
| Net loans and leases to total assets | 68.2948% | 2,726 |
| Net loans and leases to deposits | 88.8535% | 1,823 |
| Net loans and leases to core deposits | 93.3343% | 2,178 |
| Total domestic deposits to total assets | 76.8622% | 5,133 |
| Equity capital to assets | 13.9518% | 904 |
| Core capital (leverage) ratio | 14.1226% | 791 |
| Tier 1 risk-based capital ratio | 24.5361% | 812 |
| Total risk-based capital ratio | 25.3628% | 832 |
| Memoranda: | ||
| Average total assets | $200,534,800 | 2,948 |
| Average earning assets | $185,084,600 | 2,954 |
| Average equity | $28,041,800 | 2,509 |
| Average total loans | $144,301,800 | 2,722 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 2,207 |
| Cost of funding earning assets | 0.8487% | 386 |
| Net interest margin | 3.4372% | 3,714 |
| Noninterest income to average assets | 0.5494% | 2,920 |
| Noninterest expense to average assets | 3.1691% | 1,855 |
| Loan and lease loss provision to assets | 0.0027% | 4,165 |
| Net operating income to assets | 0.4127% | 4,977 |
| Return on assets (ROA) | 0.4162% | 5,063 |
| Pretax return on assets | 0.5567% | 4,982 |
| Return on Equity (ROE) | 2.9746% | 5,225 |
| Retained earnings to average equity (ytd only) | 2.9746% | 4,129 |
| Net charge-offs to loans | -0.0421% | 5,306 |
| Credit loss provision to net charge-offs | -8.6957% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1037% | 895 |
| Assets per employee ($millions) | 4.0163% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 5,486 |
| Loan loss allowance to noncurrent loans | 52.7140% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 0.8899% | 2,333 |
| Noncurrent loans to loans | 1.2730% | 1,759 |
| Net loans and leases to total assets | 69.4364% | 2,581 |
| Net loans and leases to deposits | 91.0289% | 1,625 |
| Net loans and leases to core deposits | 95.8508% | 2,007 |
| Total domestic deposits to total assets | 76.2795% | 5,196 |
| Equity capital to assets | 14.0817% | 1,004 |
| Core capital (leverage) ratio | 14.4045% | 747 |
| Tier 1 risk-based capital ratio | 24.3948% | 866 |
| Total risk-based capital ratio | 25.2110% | 887 |
| Memoranda: | ||
| Average total assets | $200,221,750 | 2,964 |
| Average earning assets | $184,910,750 | 2,974 |
| Average equity | $28,014,000 | 2,532 |
| Average total loans | $145,686,500 | 2,699 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 1,963 |
| Cost of funding earning assets | 0.8391% | 400 |
| Net interest margin | 3.5168% | 3,427 |
| Noninterest income to average assets | 0.5569% | 2,868 |
| Noninterest expense to average assets | 3.1106% | 2,027 |
| Loan and lease loss provision to assets | 0.0030% | 3,977 |
| Net operating income to assets | 0.5048% | 4,657 |
| Return on assets (ROA) | 0.5099% | 4,751 |
| Pretax return on assets | 0.6979% | 4,624 |
| Return on Equity (ROE) | 3.6525% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.6525% | 3,567 |
| Net charge-offs to loans | -0.0556% | 5,412 |
| Credit loss provision to net charge-offs | -7.3171% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7608% | 1,298 |
| Assets per employee ($millions) | 3.9654% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6511% | 5,611 |
| Loan loss allowance to noncurrent loans | 708.3333% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 5,288 |
| Noncurrent loans to loans | 0.0919% | 5,083 |
| Net loans and leases to total assets | 71.9563% | 2,178 |
| Net loans and leases to deposits | 96.2633% | 1,054 |
| Net loans and leases to core deposits | 100.9946% | 1,562 |
| Total domestic deposits to total assets | 74.7495% | 5,442 |
| Equity capital to assets | 14.2080% | 957 |
| Core capital (leverage) ratio | 14.3580% | 734 |
| Tier 1 risk-based capital ratio | 23.9640% | 907 |
| Total risk-based capital ratio | 24.7631% | 934 |
| Memoranda: | ||
| Average total assets | $200,024,330 | 2,977 |
| Average earning assets | $184,713,670 | 2,990 |
| Average equity | $27,926,000 | 2,538 |
| Average total loans | $147,455,330 | 2,681 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 1,822 |
| Cost of funding earning assets | 0.8271% | 425 |
| Net interest margin | 3.5649% | 3,225 |
| Noninterest income to average assets | 0.5694% | 2,683 |
| Noninterest expense to average assets | 3.0861% | 2,133 |
| Loan and lease loss provision to assets | 0.0040% | 3,619 |
| Net operating income to assets | 0.5627% | 4,354 |
| Return on assets (ROA) | 0.5714% | 4,420 |
| Pretax return on assets | 0.7865% | 4,243 |
| Return on Equity (ROE) | 4.1289% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.1289% | 3,419 |
| Net charge-offs to loans | -0.1044% | 5,653 |
| Credit loss provision to net charge-offs | -5.1282% | 4,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8557% | 1,626 |
| Assets per employee ($millions) | 3.9316% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 5,699 |
| Loan loss allowance to noncurrent loans | 638.3562% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 5,286 |
| Noncurrent loans to loans | 0.0991% | 5,077 |
| Net loans and leases to total assets | 74.4759% | 1,649 |
| Net loans and leases to deposits | 100.0595% | 619 |
| Net loans and leases to core deposits | 104.7456% | 1,149 |
| Total domestic deposits to total assets | 74.4317% | 5,576 |
| Equity capital to assets | 14.2187% | 909 |
| Core capital (leverage) ratio | 14.0777% | 790 |
| Tier 1 risk-based capital ratio | 23.4131% | 976 |
| Total risk-based capital ratio | 24.1975% | 998 |
| Memoranda: | ||
| Average total assets | $200,902,000 | 2,980 |
| Average earning assets | $185,699,000 | 2,988 |
| Average equity | $27,804,000 | 2,540 |
| Average total loans | $149,382,000 | 2,659 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5962% | 1,337 |
| Cost of funding earning assets | 0.7906% | 513 |
| Net interest margin | 3.8056% | 2,353 |
| Noninterest income to average assets | 0.4201% | 3,895 |
| Noninterest expense to average assets | 3.3870% | 1,511 |
| Loan and lease loss provision to assets | 0.1209% | 1,983 |
| Net operating income to assets | 0.3681% | 5,149 |
| Return on assets (ROA) | 0.4068% | 5,115 |
| Pretax return on assets | 0.4544% | 5,215 |
| Return on Equity (ROE) | 2.9159% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.9159% | 3,981 |
| Net charge-offs to loans | 0.0564% | 3,091 |
| Credit loss provision to net charge-offs | 306.4935% | 966 |
| Earnings coverage of net charge-offs (x) | 13.4935% | 2,366 |
| Efficiency ratio | 86.4183% | 966 |
| Assets per employee ($millions) | 3.9466% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 5,810 |
| Loan loss allowance to noncurrent loans | 54.9538% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 2,690 |
| Noncurrent loans to loans | 1.0731% | 2,198 |
| Net loans and leases to total assets | 73.3512% | 1,834 |
| Net loans and leases to deposits | 102.1095% | 536 |
| Net loans and leases to core deposits | 106.8420% | 1,057 |
| Total domestic deposits to total assets | 71.8358% | 5,806 |
| Equity capital to assets | 13.4764% | 1,137 |
| Core capital (leverage) ratio | 13.7246% | 900 |
| Tier 1 risk-based capital ratio | 22.3951% | 1,099 |
| Total risk-based capital ratio | 23.1215% | 1,146 |
| Memoranda: | ||
| Average total assets | $195,189,400 | 2,992 |
| Average earning assets | $179,472,600 | 3,006 |
| Average equity | $27,230,000 | 2,525 |
| Average total loans | $136,594,800 | 2,771 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 1,354 |
| Cost of funding earning assets | 0.7840% | 543 |
| Net interest margin | 3.8061% | 2,359 |
| Noninterest income to average assets | 0.4401% | 3,795 |
| Noninterest expense to average assets | 3.3983% | 1,483 |
| Loan and lease loss provision to assets | 0.1446% | 1,517 |
| Net operating income to assets | 0.3162% | 5,411 |
| Return on assets (ROA) | 0.3633% | 5,366 |
| Pretax return on assets | 0.4491% | 5,351 |
| Return on Equity (ROE) | 2.5807% | 5,526 |
| Retained earnings to average equity (ytd only) | 2.5807% | 4,583 |
| Net charge-offs to loans | 0.0783% | 2,431 |
| Credit loss provision to net charge-offs | 267.9487% | 1,074 |
| Earnings coverage of net charge-offs (x) | 9.9228% | 2,646 |
| Efficiency ratio | 86.3852% | 976 |
| Assets per employee ($millions) | 3.8318% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 5,891 |
| Loan loss allowance to noncurrent loans | 55.5627% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 2,941 |
| Noncurrent loans to loans | 1.0840% | 2,316 |
| Net loans and leases to total assets | 71.5571% | 2,131 |
| Net loans and leases to deposits | 101.9404% | 549 |
| Net loans and leases to core deposits | 106.4999% | 1,065 |
| Total domestic deposits to total assets | 70.1950% | 5,960 |
| Equity capital to assets | 13.7588% | 1,120 |
| Core capital (leverage) ratio | 13.8148% | 907 |
| Tier 1 risk-based capital ratio | 23.3789% | 1,016 |
| Total risk-based capital ratio | 24.1199% | 1,051 |
| Memoranda: | ||
| Average total assets | $192,680,500 | 3,043 |
| Average earning assets | $176,871,750 | 3,055 |
| Average equity | $27,123,250 | 2,548 |
| Average total loans | $132,886,500 | 2,857 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 1,158 |
| Cost of funding earning assets | 0.7665% | 596 |
| Net interest margin | 3.8886% | 2,024 |
| Noninterest income to average assets | 0.3841% | 4,201 |
| Noninterest expense to average assets | 3.3754% | 1,520 |
| Loan and lease loss provision to assets | 0.0724% | 2,659 |
| Net operating income to assets | 0.3942% | 5,156 |
| Return on assets (ROA) | 0.4471% | 5,081 |
| Pretax return on assets | 0.5594% | 5,076 |
| Return on Equity (ROE) | 3.1446% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.1446% | 4,051 |
| Net charge-offs to loans | 0.1206% | 1,808 |
| Credit loss provision to net charge-offs | 88.4615% | 2,223 |
| Earnings coverage of net charge-offs (x) | 6.9103% | 2,725 |
| Efficiency ratio | 85.6458% | 1,087 |
| Assets per employee ($millions) | 3.8606% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5163% | 6,075 |
| Loan loss allowance to noncurrent loans | 34.0546% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 1.0590% | 2,387 |
| Noncurrent loans to loans | 1.5162% | 1,754 |
| Net loans and leases to total assets | 69.4882% | 2,409 |
| Net loans and leases to deposits | 99.9620% | 660 |
| Net loans and leases to core deposits | 104.2383% | 1,172 |
| Total domestic deposits to total assets | 69.5146% | 6,052 |
| Equity capital to assets | 13.6004% | 1,128 |
| Core capital (leverage) ratio | 14.2697% | 771 |
| Tier 1 risk-based capital ratio | 23.4280% | 1,023 |
| Total risk-based capital ratio | 24.0525% | 1,085 |
| Memoranda: | ||
| Average total assets | $190,556,670 | 3,093 |
| Average earning assets | $174,302,670 | 3,102 |
| Average equity | $27,093,670 | 2,561 |
| Average total loans | $129,395,670 | 2,925 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 1,235 |
| Cost of funding earning assets | 0.7575% | 629 |
| Net interest margin | 3.8371% | 2,110 |
| Noninterest income to average assets | 0.4206% | 3,840 |
| Noninterest expense to average assets | 3.4768% | 1,363 |
| Loan and lease loss provision to assets | 0.1445% | 1,416 |
| Net operating income to assets | 0.2385% | 5,594 |
| Return on assets (ROA) | 0.3472% | 5,374 |
| Pretax return on assets | 0.4314% | 5,359 |
| Return on Equity (ROE) | 2.3862% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.3862% | 4,498 |
| Net charge-offs to loans | 0.2549% | 943 |
| Credit loss provision to net charge-offs | 84.8101% | 1,786 |
| Earnings coverage of net charge-offs (x) | 2.5823% | 2,731 |
| Efficiency ratio | 88.7665% | 957 |
| Assets per employee ($millions) | 3.7331% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5601% | 6,107 |
| Loan loss allowance to noncurrent loans | 258.7814% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 5,356 |
| Noncurrent loans to loans | 0.2164% | 5,004 |
| Net loans and leases to total assets | 68.6703% | 2,338 |
| Net loans and leases to deposits | 95.9474% | 833 |
| Net loans and leases to core deposits | 100.2636% | 1,303 |
| Total domestic deposits to total assets | 71.5708% | 6,056 |
| Equity capital to assets | 14.4956% | 832 |
| Core capital (leverage) ratio | 14.8768% | 626 |
| Tier 1 risk-based capital ratio | 23.5773% | 1,043 |
| Total risk-based capital ratio | 24.2102% | 1,094 |
| Memoranda: | ||
| Average total assets | $185,459,000 | 3,171 |
| Average earning assets | $168,981,500 | 3,195 |
| Average equity | $26,989,000 | 2,580 |
| Average total loans | $123,982,000 | 3,016 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 1,409 |
| Cost of funding earning assets | 0.7480% | 858 |
| Net interest margin | 3.9069% | 2,212 |
| Noninterest income to average assets | 0.4308% | 3,963 |
| Noninterest expense to average assets | 3.2517% | 2,072 |
| Loan and lease loss provision to assets | 0.0290% | 4,026 |
| Net operating income to assets | 0.5539% | 4,585 |
| Return on assets (ROA) | 0.5608% | 4,645 |
| Pretax return on assets | 0.7036% | 4,616 |
| Return on Equity (ROE) | 3.6474% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.6474% | 3,624 |
| Net charge-offs to loans | 0.0158% | 4,555 |
| Credit loss provision to net charge-offs | 294.1176% | 879 |
| Earnings coverage of net charge-offs (x) | 73.3529% | 686 |
| Efficiency ratio | 81.7903% | 1,687 |
| Assets per employee ($millions) | 3.7604% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6156% | 6,122 |
| Loan loss allowance to noncurrent loans | 175.3589% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 5,118 |
| Noncurrent loans to loans | 0.3511% | 4,607 |
| Net loans and leases to total assets | 64.2192% | 3,194 |
| Net loans and leases to deposits | 89.6135% | 1,553 |
| Net loans and leases to core deposits | 94.0935% | 1,911 |
| Total domestic deposits to total assets | 71.6625% | 6,107 |
| Equity capital to assets | 14.6103% | 781 |
| Core capital (leverage) ratio | 15.0783% | 594 |
| Tier 1 risk-based capital ratio | 25.6735% | 785 |
| Total risk-based capital ratio | 26.3775% | 814 |
| Memoranda: | ||
| Average total assets | $172,246,200 | 3,305 |
| Average earning assets | $156,285,600 | 3,334 |
| Average equity | $26,484,600 | 2,525 |
| Average total loans | $107,257,400 | 3,284 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 1,443 |
| Cost of funding earning assets | 0.7384% | 950 |
| Net interest margin | 3.9080% | 2,201 |
| Noninterest income to average assets | 0.4388% | 3,960 |
| Noninterest expense to average assets | 3.2418% | 2,047 |
| Loan and lease loss provision to assets | 0.0276% | 3,853 |
| Net operating income to assets | 0.5811% | 4,534 |
| Return on assets (ROA) | 0.5901% | 4,574 |
| Pretax return on assets | 0.7327% | 4,583 |
| Return on Equity (ROE) | 3.7862% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.7862% | 3,960 |
| Net charge-offs to loans | -0.0013% | 5,168 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2278% | 1,720 |
| Assets per employee ($millions) | 3.7273% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6492% | 6,168 |
| Loan loss allowance to noncurrent loans | 197.3190% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 5,390 |
| Noncurrent loans to loans | 0.3290% | 4,923 |
| Net loans and leases to total assets | 62.9575% | 3,350 |
| Net loans and leases to deposits | 89.1976% | 1,524 |
| Net loans and leases to core deposits | 92.9225% | 1,963 |
| Total domestic deposits to total assets | 70.5821% | 6,253 |
| Equity capital to assets | 14.9395% | 744 |
| Core capital (leverage) ratio | 15.4876% | 542 |
| Tier 1 risk-based capital ratio | 26.1141% | 777 |
| Total risk-based capital ratio | 26.8390% | 809 |
| Memoranda: | ||
| Average total assets | $169,242,500 | 3,378 |
| Average earning assets | $153,834,500 | 3,410 |
| Average equity | $26,375,500 | 2,540 |
| Average total loans | $104,305,750 | 3,364 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,358 |
| Cost of funding earning assets | 0.7278% | 1,031 |
| Net interest margin | 3.9376% | 2,021 |
| Noninterest income to average assets | 0.4108% | 4,167 |
| Noninterest expense to average assets | 3.2008% | 2,190 |
| Loan and lease loss provision to assets | 0.0253% | 3,774 |
| Net operating income to assets | 0.6069% | 4,325 |
| Return on assets (ROA) | 0.6204% | 4,344 |
| Pretax return on assets | 0.7734% | 4,370 |
| Return on Equity (ROE) | 3.9226% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.9226% | 3,687 |
| Net charge-offs to loans | 0.0099% | 4,069 |
| Credit loss provision to net charge-offs | 420.0000% | 668 |
| Earnings coverage of net charge-offs (x) | 129.8000% | 464 |
| Efficiency ratio | 80.3690% | 1,970 |
| Assets per employee ($millions) | 3.6266% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 6,229 |
| Loan loss allowance to noncurrent loans | 285.2590% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 5,714 |
| Noncurrent loans to loans | 0.2316% | 5,304 |
| Net loans and leases to total assets | 61.8349% | 3,431 |
| Net loans and leases to deposits | 87.8867% | 1,609 |
| Net loans and leases to core deposits | 91.0853% | 2,021 |
| Total domestic deposits to total assets | 70.3575% | 6,342 |
| Equity capital to assets | 15.2248% | 652 |
| Core capital (leverage) ratio | 15.9757% | 482 |
| Tier 1 risk-based capital ratio | 26.6945% | 722 |
| Total risk-based capital ratio | 27.4218% | 742 |
| Memoranda: | ||
| Average total assets | $166,020,670 | 3,438 |
| Average earning assets | $150,599,000 | 3,475 |
| Average equity | $26,258,000 | 2,545 |
| Average total loans | $101,283,670 | 3,431 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6750% | 1,313 |
| Cost of funding earning assets | 0.7220% | 1,115 |
| Net interest margin | 3.9531% | 1,919 |
| Noninterest income to average assets | 0.4148% | 4,069 |
| Noninterest expense to average assets | 3.3063% | 1,934 |
| Loan and lease loss provision to assets | 0.0420% | 3,249 |
| Net operating income to assets | 0.5351% | 4,529 |
| Return on assets (ROA) | 0.5655% | 4,459 |
| Pretax return on assets | 0.6865% | 4,532 |
| Return on Equity (ROE) | 3.5048% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.5048% | 4,025 |
| Net charge-offs to loans | -0.0082% | 4,970 |
| Credit loss provision to net charge-offs | -850.0000% | 5,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7054% | 1,836 |
| Assets per employee ($millions) | 3.5991% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7008% | 6,279 |
| Loan loss allowance to noncurrent loans | 80.2455% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 4,521 |
| Noncurrent loans to loans | 0.8733% | 3,709 |
| Net loans and leases to total assets | 61.5388% | 3,309 |
| Net loans and leases to deposits | 87.8453% | 1,373 |
| Net loans and leases to core deposits | 91.1191% | 1,816 |
| Total domestic deposits to total assets | 70.0536% | 6,450 |
| Equity capital to assets | 15.8511% | 546 |
| Core capital (leverage) ratio | 16.7117% | 393 |
| Tier 1 risk-based capital ratio | 27.6731% | 660 |
| Total risk-based capital ratio | 28.4385% | 687 |
| Memoranda: | ||
| Average total assets | $161,992,000 | 3,533 |
| Average earning assets | $146,823,000 | 3,570 |
| Average equity | $26,135,500 | 2,540 |
| Average total loans | $97,747,000 | 3,521 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 1,429 |
| Cost of funding earning assets | 0.6886% | 1,898 |
| Net interest margin | 4.0669% | 1,739 |
| Noninterest income to average assets | 0.3353% | 4,927 |
| Noninterest expense to average assets | 3.3842% | 1,917 |
| Loan and lease loss provision to assets | 0.1373% | 2,586 |
| Net operating income to assets | 0.4437% | 4,983 |
| Return on assets (ROA) | 0.6238% | 4,265 |
| Pretax return on assets | 0.7815% | 4,219 |
| Return on Equity (ROE) | 3.6946% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.6946% | 3,587 |
| Net charge-offs to loans | 0.1499% | 3,305 |
| Credit loss provision to net charge-offs | 166.4000% | 1,373 |
| Earnings coverage of net charge-offs (x) | 8.4080% | 2,678 |
| Efficiency ratio | 82.9880% | 1,750 |
| Assets per employee ($millions) | 3.5206% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 6,260 |
| Loan loss allowance to noncurrent loans | 92.8382% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 4,809 |
| Noncurrent loans to loans | 0.8117% | 3,942 |
| Net loans and leases to total assets | 58.1928% | 4,008 |
| Net loans and leases to deposits | 79.5657% | 2,511 |
| Net loans and leases to core deposits | 82.5110% | 2,834 |
| Total domestic deposits to total assets | 73.1381% | 6,344 |
| Equity capital to assets | 16.4292% | 456 |
| Core capital (leverage) ratio | 17.4032% | 336 |
| Tier 1 risk-based capital ratio | 28.8378% | 564 |
| Total risk-based capital ratio | 29.6213% | 576 |
| Memoranda: | ||
| Average total assets | $151,497,800 | 3,678 |
| Average earning assets | $139,418,800 | 3,675 |
| Average equity | $25,578,200 | 2,580 |
| Average total loans | $83,381,200 | 3,840 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 1,455 |
| Cost of funding earning assets | 0.6972% | 1,972 |
| Net interest margin | 4.0611% | 1,754 |
| Noninterest income to average assets | 0.3321% | 5,033 |
| Noninterest expense to average assets | 3.3269% | 2,009 |
| Loan and lease loss provision to assets | 0.1700% | 2,134 |
| Net operating income to assets | 0.4919% | 4,832 |
| Return on assets (ROA) | 0.5680% | 4,635 |
| Pretax return on assets | 0.6810% | 4,745 |
| Return on Equity (ROE) | 3.3404% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.3404% | 4,300 |
| Net charge-offs to loans | 0.2272% | 2,446 |
| Credit loss provision to net charge-offs | 138.4058% | 1,690 |
| Earnings coverage of net charge-offs (x) | 6.1810% | 3,023 |
| Efficiency ratio | 81.4161% | 1,913 |
| Assets per employee ($millions) | 3.7373% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 6,328 |
| Loan loss allowance to noncurrent loans | 76.4840% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5717% | 4,735 |
| Noncurrent loans to loans | 1.0078% | 3,791 |
| Net loans and leases to total assets | 56.2874% | 4,280 |
| Net loans and leases to deposits | 74.0447% | 3,228 |
| Net loans and leases to core deposits | 76.7474% | 3,529 |
| Total domestic deposits to total assets | 76.0181% | 6,163 |
| Equity capital to assets | 16.8044% | 434 |
| Core capital (leverage) ratio | 17.4537% | 343 |
| Tier 1 risk-based capital ratio | 30.1422% | 509 |
| Total risk-based capital ratio | 30.9355% | 525 |
| Memoranda: | ||
| Average total assets | $149,766,000 | 3,749 |
| Average earning assets | $138,449,250 | 3,726 |
| Average equity | $25,465,750 | 2,621 |
| Average total loans | $81,003,500 | 3,938 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 1,453 |
| Cost of funding earning assets | 0.7129% | 1,978 |
| Net interest margin | 4.0325% | 1,754 |
| Noninterest income to average assets | 0.3378% | 4,972 |
| Noninterest expense to average assets | 3.3120% | 2,041 |
| Loan and lease loss provision to assets | 0.2288% | 1,638 |
| Net operating income to assets | 0.4582% | 4,979 |
| Return on assets (ROA) | 0.4724% | 5,095 |
| Pretax return on assets | 0.5356% | 5,250 |
| Return on Equity (ROE) | 2.7669% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.7669% | 4,554 |
| Net charge-offs to loans | 0.3695% | 1,726 |
| Credit loss provision to net charge-offs | 116.4384% | 1,906 |
| Earnings coverage of net charge-offs (x) | 3.8082% | 3,296 |
| Efficiency ratio | 81.5711% | 1,955 |
| Assets per employee ($millions) | 3.6606% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 6,384 |
| Loan loss allowance to noncurrent loans | 85.1262% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 5,010 |
| Noncurrent loans to loans | 0.9221% | 4,081 |
| Net loans and leases to total assets | 53.9808% | 4,590 |
| Net loans and leases to deposits | 70.1796% | 3,698 |
| Net loans and leases to core deposits | 72.9361% | 3,937 |
| Total domestic deposits to total assets | 76.9181% | 6,138 |
| Equity capital to assets | 16.9866% | 416 |
| Core capital (leverage) ratio | 17.6539% | 311 |
| Tier 1 risk-based capital ratio | 31.0712% | 470 |
| Total risk-based capital ratio | 31.8626% | 492 |
| Memoranda: | ||
| Average total assets | $148,612,000 | 3,797 |
| Average earning assets | $137,184,000 | 3,773 |
| Average equity | $25,371,330 | 2,644 |
| Average total loans | $79,032,000 | 4,010 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 1,373 |
| Cost of funding earning assets | 0.7269% | 2,017 |
| Net interest margin | 4.0359% | 1,663 |
| Noninterest income to average assets | 0.3300% | 5,064 |
| Noninterest expense to average assets | 3.2405% | 2,232 |
| Loan and lease loss provision to assets | 0.4463% | 641 |
| Net operating income to assets | 0.3571% | 5,321 |
| Return on assets (ROA) | 0.3571% | 5,460 |
| Pretax return on assets | 0.3679% | 5,653 |
| Return on Equity (ROE) | 2.0861% | 5,914 |
| Retained earnings to average equity (ytd only) | 2.0861% | 4,967 |
| Net charge-offs to loans | 0.7926% | 773 |
| Credit loss provision to net charge-offs | 107.1429% | 1,726 |
| Earnings coverage of net charge-offs (x) | 1.9545% | 3,184 |
| Efficiency ratio | 79.9199% | 2,342 |
| Assets per employee ($millions) | 3.7093% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8064% | 6,449 |
| Loan loss allowance to noncurrent loans | 171.5847% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 5,834 |
| Noncurrent loans to loans | 0.4700% | 5,249 |
| Net loans and leases to total assets | 52.0654% | 4,697 |
| Net loans and leases to deposits | 67.9216% | 3,782 |
| Net loans and leases to core deposits | 70.5447% | 4,002 |
| Total domestic deposits to total assets | 76.6551% | 6,288 |
| Equity capital to assets | 17.0896% | 417 |
| Core capital (leverage) ratio | 17.6940% | 306 |
| Tier 1 risk-based capital ratio | 31.7365% | 460 |
| Total risk-based capital ratio | 32.5354% | 467 |
| Memoranda: | ||
| Average total assets | $147,876,500 | 3,848 |
| Average earning assets | $136,476,000 | 3,818 |
| Average equity | $25,310,000 | 2,677 |
| Average total loans | $77,719,500 | 4,071 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 2,037 |
| Cost of funding earning assets | 0.9513% | 1,635 |
| Net interest margin | 3.8941% | 2,857 |
| Noninterest income to average assets | 0.5561% | 3,534 |
| Noninterest expense to average assets | 3.3021% | 2,323 |
| Loan and lease loss provision to assets | 0.1227% | 4,085 |
| Net operating income to assets | 0.6968% | 3,754 |
| Return on assets (ROA) | 0.6936% | 4,030 |
| Pretax return on assets | 0.7190% | 4,600 |
| Return on Equity (ROE) | 4.1715% | 5,076 |
| Retained earnings to average equity (ytd only) | 4.1715% | 3,293 |
| Net charge-offs to loans | 0.0820% | 4,856 |
| Credit loss provision to net charge-offs | 290.4762% | 839 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,369 |
| Efficiency ratio | 79.6215% | 2,191 |
| Assets per employee ($millions) | 3.7790% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 6,499 |
| Loan loss allowance to noncurrent loans | 115.9774% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 5,556 |
| Noncurrent loans to loans | 0.6859% | 4,824 |
| Net loans and leases to total assets | 52.2072% | 4,900 |
| Net loans and leases to deposits | 68.9543% | 3,842 |
| Net loans and leases to core deposits | 70.9423% | 4,174 |
| Total domestic deposits to total assets | 75.7128% | 6,389 |
| Equity capital to assets | 17.1418% | 395 |
| Core capital (leverage) ratio | 17.3158% | 328 |
| Tier 1 risk-based capital ratio | 31.7308% | 443 |
| Total risk-based capital ratio | 32.5197% | 450 |
| Memoranda: | ||
| Average total assets | $149,087,000 | 3,794 |
| Average earning assets | $137,491,800 | 3,765 |
| Average equity | $24,787,200 | 2,679 |
| Average total loans | $76,833,200 | 4,126 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 2,322 |
| Cost of funding earning assets | 1.0002% | 1,559 |
| Net interest margin | 3.8181% | 3,253 |
| Noninterest income to average assets | 0.6117% | 3,203 |
| Noninterest expense to average assets | 3.1363% | 2,775 |
| Loan and lease loss provision to assets | 0.1614% | 3,495 |
| Net operating income to assets | 0.6609% | 4,088 |
| Return on assets (ROA) | 0.6581% | 4,369 |
| Pretax return on assets | 0.8338% | 4,367 |
| Return on Equity (ROE) | 3.9889% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.9889% | 4,076 |
| Net charge-offs to loans | 0.1966% | 3,552 |
| Credit loss provision to net charge-offs | 160.1770% | 1,744 |
| Earnings coverage of net charge-offs (x) | 9.9117% | 2,254 |
| Efficiency ratio | 75.8465% | 2,699 |
| Assets per employee ($millions) | 3.6752% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 6,715 |
| Loan loss allowance to noncurrent loans | 119.7034% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 5,823 |
| Noncurrent loans to loans | 0.6048% | 5,229 |
| Net loans and leases to total assets | 51.4202% | 5,125 |
| Net loans and leases to deposits | 68.3311% | 4,130 |
| Net loans and leases to core deposits | 70.1023% | 4,489 |
| Total domestic deposits to total assets | 75.2515% | 6,484 |
| Equity capital to assets | 16.5903% | 518 |
| Core capital (leverage) ratio | 16.7892% | 394 |
| Tier 1 risk-based capital ratio | 30.9555% | 484 |
| Total risk-based capital ratio | 31.6687% | 498 |
| Memoranda: | ||
| Average total assets | $149,513,250 | 3,828 |
| Average earning assets | $137,970,000 | 3,789 |
| Average equity | $24,668,000 | 2,714 |
| Average total loans | $76,651,250 | 4,178 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8302% | 2,381 |
| Cost of funding earning assets | 1.0452% | 1,498 |
| Net interest margin | 3.7850% | 3,433 |
| Noninterest income to average assets | 0.6424% | 2,988 |
| Noninterest expense to average assets | 3.0378% | 3,130 |
| Loan and lease loss provision to assets | 0.1676% | 3,431 |
| Net operating income to assets | 0.7190% | 3,762 |
| Return on assets (ROA) | 0.7148% | 4,054 |
| Pretax return on assets | 0.9187% | 4,010 |
| Return on Equity (ROE) | 4.3408% | 5,116 |
| Retained earnings to average equity (ytd only) | 4.3408% | 3,723 |
| Net charge-offs to loans | -0.0079% | 6,237 |
| Credit loss provision to net charge-offs | -4,166.6667% | 6,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5628% | 3,151 |
| Assets per employee ($millions) | 3.7019% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 6,668 |
| Loan loss allowance to noncurrent loans | 193.4985% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 6,161 |
| Noncurrent loans to loans | 0.4140% | 5,707 |
| Net loans and leases to total assets | 50.9932% | 5,220 |
| Net loans and leases to deposits | 68.3686% | 4,139 |
| Net loans and leases to core deposits | 69.9619% | 4,534 |
| Total domestic deposits to total assets | 74.5857% | 6,625 |
| Equity capital to assets | 16.3259% | 530 |
| Core capital (leverage) ratio | 16.7639% | 383 |
| Tier 1 risk-based capital ratio | 30.3366% | 504 |
| Total risk-based capital ratio | 31.1164% | 517 |
| Memoranda: | ||
| Average total assets | $149,123,000 | 3,857 |
| Average earning assets | $137,385,330 | 3,823 |
| Average equity | $24,557,670 | 2,716 |
| Average total loans | $76,186,000 | 4,215 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9039% | 2,224 |
| Cost of funding earning assets | 1.0894% | 1,459 |
| Net interest margin | 3.8145% | 3,321 |
| Noninterest income to average assets | 0.6360% | 3,018 |
| Noninterest expense to average assets | 2.9744% | 3,362 |
| Loan and lease loss provision to assets | 0.0244% | 5,041 |
| Net operating income to assets | 0.8716% | 3,044 |
| Return on assets (ROA) | 0.8634% | 3,319 |
| Pretax return on assets | 1.1421% | 3,154 |
| Return on Equity (ROE) | 5.2195% | 4,683 |
| Retained earnings to average equity (ytd only) | 5.2195% | 3,422 |
| Net charge-offs to loans | -0.0266% | 6,294 |
| Credit loss provision to net charge-offs | -180.0000% | 5,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6428% | 3,510 |
| Assets per employee ($millions) | 3.7578% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6706% | 6,911 |
| Loan loss allowance to noncurrent loans | 225.1101% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 6,426 |
| Noncurrent loans to loans | 0.2979% | 6,076 |
| Net loans and leases to total assets | 50.3549% | 5,259 |
| Net loans and leases to deposits | 67.9593% | 4,066 |
| Net loans and leases to core deposits | 69.2970% | 4,526 |
| Total domestic deposits to total assets | 74.0957% | 6,734 |
| Equity capital to assets | 16.3568% | 519 |
| Core capital (leverage) ratio | 17.0747% | 351 |
| Tier 1 risk-based capital ratio | 30.4974% | 503 |
| Total risk-based capital ratio | 31.1440% | 517 |
| Memoranda: | ||
| Average total assets | $147,796,000 | 3,912 |
| Average earning assets | $136,218,000 | 3,879 |
| Average equity | $24,447,000 | 2,723 |
| Average total loans | $75,268,500 | 4,263 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1650% | 2,201 |
| Cost of funding earning assets | 1.3218% | 1,384 |
| Net interest margin | 3.8432% | 3,607 |
| Noninterest income to average assets | 0.6443% | 2,924 |
| Noninterest expense to average assets | 3.0875% | 3,245 |
| Loan and lease loss provision to assets | 0.0328% | 6,154 |
| Net operating income to assets | 0.7953% | 3,057 |
| Return on assets (ROA) | 0.7280% | 3,520 |
| Pretax return on assets | 0.9705% | 3,347 |
| Return on Equity (ROE) | 4.5730% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.5730% | 2,923 |
| Net charge-offs to loans | 0.0027% | 6,416 |
| Credit loss provision to net charge-offs | 2,450.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 816.0000% | 36 |
| Efficiency ratio | 73.8545% | 3,261 |
| Assets per employee ($millions) | 3.7252% | 4,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 6,942 |
| Loan loss allowance to noncurrent loans | 400.8065% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 6,740 |
| Noncurrent loans to loans | 0.1668% | 6,417 |
| Net loans and leases to total assets | 50.8256% | 5,486 |
| Net loans and leases to deposits | 69.5659% | 4,180 |
| Net loans and leases to core deposits | 70.9604% | 4,653 |
| Total domestic deposits to total assets | 73.0612% | 6,803 |
| Equity capital to assets | 16.7317% | 485 |
| Core capital (leverage) ratio | 16.9556% | 365 |
| Tier 1 risk-based capital ratio | 30.8339% | 475 |
| Total risk-based capital ratio | 31.4782% | 494 |
| Memoranda: | ||
| Average total assets | $149,310,400 | 3,816 |
| Average earning assets | $137,385,000 | 3,799 |
| Average equity | $23,770,200 | 2,692 |
| Average total loans | $74,849,800 | 4,321 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 2,247 |
| Cost of funding earning assets | 1.3704% | 1,372 |
| Net interest margin | 3.8182% | 3,776 |
| Noninterest income to average assets | 0.6315% | 2,982 |
| Noninterest expense to average assets | 3.0778% | 3,244 |
| Loan and lease loss provision to assets | 0.0337% | 6,018 |
| Net operating income to assets | 0.7986% | 3,171 |
| Return on assets (ROA) | 0.7105% | 3,727 |
| Pretax return on assets | 0.9198% | 3,685 |
| Return on Equity (ROE) | 4.5185% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.5185% | 3,502 |
| Net charge-offs to loans | 0.0178% | 5,904 |
| Credit loss provision to net charge-offs | 380.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 120.4269% | 303 |
| Efficiency ratio | 74.2405% | 3,134 |
| Assets per employee ($millions) | 3.7698% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 7,034 |
| Loan loss allowance to noncurrent loans | 2,271.4286% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 6,961 |
| Noncurrent loans to loans | 0.0282% | 6,872 |
| Net loans and leases to total assets | 50.3530% | 5,667 |
| Net loans and leases to deposits | 69.5127% | 4,380 |
| Net loans and leases to core deposits | 70.4936% | 4,890 |
| Total domestic deposits to total assets | 72.4372% | 6,903 |
| Equity capital to assets | 16.3837% | 570 |
| Core capital (leverage) ratio | 16.5699% | 435 |
| Tier 1 risk-based capital ratio | 30.4933% | 514 |
| Total risk-based capital ratio | 31.1123% | 535 |
| Memoranda: | ||
| Average total assets | $150,317,750 | 3,818 |
| Average earning assets | $138,351,750 | 3,798 |
| Average equity | $23,635,750 | 2,708 |
| Average total loans | $74,978,000 | 4,352 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 2,333 |
| Cost of funding earning assets | 1.4278% | 1,292 |
| Net interest margin | 3.7553% | 4,007 |
| Noninterest income to average assets | 0.6023% | 3,123 |
| Noninterest expense to average assets | 3.0803% | 3,330 |
| Loan and lease loss provision to assets | 0.0013% | 6,212 |
| Net operating income to assets | 0.7477% | 3,305 |
| Return on assets (ROA) | 0.7436% | 3,444 |
| Pretax return on assets | 0.9722% | 3,353 |
| Return on Equity (ROE) | 4.7945% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.7945% | 3,128 |
| Net charge-offs to loans | 0.0160% | 5,618 |
| Credit loss provision to net charge-offs | 16.6667% | 5,179 |
| Earnings coverage of net charge-offs (x) | 123.5000% | 284 |
| Efficiency ratio | 75.8868% | 3,033 |
| Assets per employee ($millions) | 3.8442% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5939% | 7,143 |
| Loan loss allowance to noncurrent loans | 193.4783% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 6,662 |
| Noncurrent loans to loans | 0.3070% | 6,307 |
| Net loans and leases to total assets | 49.6778% | 5,864 |
| Net loans and leases to deposits | 69.8822% | 4,458 |
| Net loans and leases to core deposits | 70.7800% | 4,980 |
| Total domestic deposits to total assets | 71.0880% | 7,058 |
| Equity capital to assets | 15.8827% | 625 |
| Core capital (leverage) ratio | 16.2671% | 475 |
| Tier 1 risk-based capital ratio | 29.8495% | 544 |
| Total risk-based capital ratio | 30.4205% | 573 |
| Memoranda: | ||
| Average total assets | $151,415,670 | 3,824 |
| Average earning assets | $139,375,000 | 3,800 |
| Average equity | $23,485,000 | 2,700 |
| Average total loans | $75,134,670 | 4,385 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 2,323 |
| Cost of funding earning assets | 1.5231% | 1,082 |
| Net interest margin | 3.6520% | 4,318 |
| Noninterest income to average assets | 0.5810% | 3,306 |
| Noninterest expense to average assets | 2.9626% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7492% | 3,276 |
| Return on assets (ROA) | 0.7492% | 3,343 |
| Pretax return on assets | 0.9779% | 3,209 |
| Return on Equity (ROE) | 4.8882% | 4,459 |
| Retained earnings to average equity (ytd only) | 4.8882% | 3,260 |
| Net charge-offs to loans | 0.0319% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 477 |
| Efficiency ratio | 75.1835% | 3,304 |
| Assets per employee ($millions) | 3.7733% | 4,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5942% | 7,208 |
| Loan loss allowance to noncurrent loans | 2,336.8421% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 7,079 |
| Noncurrent loans to loans | 0.0254% | 6,998 |
| Net loans and leases to total assets | 49.2175% | 5,937 |
| Net loans and leases to deposits | 70.8911% | 4,208 |
| Net loans and leases to core deposits | 71.8011% | 4,813 |
| Total domestic deposits to total assets | 69.4269% | 7,207 |
| Equity capital to assets | 15.5589% | 651 |
| Core capital (leverage) ratio | 15.8412% | 530 |
| Tier 1 risk-based capital ratio | 29.4471% | 546 |
| Total risk-based capital ratio | 30.0160% | 577 |
| Memoranda: | ||
| Average total assets | $152,161,500 | 3,843 |
| Average earning assets | $139,977,000 | 3,821 |
| Average equity | $23,321,500 | 2,709 |
| Average total loans | $75,240,000 | 4,414 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 2,987 |
| Cost of funding earning assets | 1.8401% | 1,027 |
| Net interest margin | 3.4880% | 5,292 |
| Noninterest income to average assets | 0.5937% | 3,516 |
| Noninterest expense to average assets | 2.6802% | 5,082 |
| Loan and lease loss provision to assets | 0.2777% | 4,586 |
| Net operating income to assets | 0.5680% | 3,811 |
| Return on assets (ROA) | 0.4690% | 4,399 |
| Pretax return on assets | 0.7044% | 3,962 |
| Return on Equity (ROE) | 3.1965% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.1965% | 3,629 |
| Net charge-offs to loans | 0.6539% | 3,045 |
| Credit loss provision to net charge-offs | 89.1170% | 5,165 |
| Earnings coverage of net charge-offs (x) | 3.6263% | 3,268 |
| Efficiency ratio | 70.3442% | 4,104 |
| Assets per employee ($millions) | 3.8348% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5940% | 7,272 |
| Loan loss allowance to noncurrent loans | 157.8947% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.1858% | 6,765 |
| Noncurrent loans to loans | 0.3762% | 6,295 |
| Net loans and leases to total assets | 49.0909% | 6,266 |
| Net loans and leases to deposits | 73.2966% | 4,312 |
| Net loans and leases to core deposits | 74.0069% | 4,979 |
| Total domestic deposits to total assets | 66.9757% | 7,362 |
| Equity capital to assets | 15.0985% | 761 |
| Core capital (leverage) ratio | 15.4622% | 590 |
| Tier 1 risk-based capital ratio | 28.5684% | 570 |
| Total risk-based capital ratio | 29.1348% | 599 |
| Memoranda: | ||
| Average total assets | $156,296,600 | 3,770 |
| Average earning assets | $144,122,000 | 3,739 |
| Average equity | $22,931,400 | 2,773 |
| Average total loans | $74,473,600 | 4,510 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3346% | 3,192 |
| Cost of funding earning assets | 1.8908% | 1,062 |
| Net interest margin | 3.4438% | 5,517 |
| Noninterest income to average assets | 0.5952% | 3,470 |
| Noninterest expense to average assets | 2.7384% | 4,730 |
| Loan and lease loss provision to assets | 0.0764% | 6,281 |
| Net operating income to assets | 0.7459% | 3,223 |
| Return on assets (ROA) | 0.5935% | 4,061 |
| Pretax return on assets | 0.7617% | 4,045 |
| Return on Equity (ROE) | 4.0744% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.0744% | 3,605 |
| Net charge-offs to loans | 0.2571% | 4,406 |
| Credit loss provision to net charge-offs | 62.9371% | 5,616 |
| Earnings coverage of net charge-offs (x) | 8.5106% | 2,150 |
| Efficiency ratio | 72.6024% | 3,591 |
| Assets per employee ($millions) | 3.9128% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6186% | 7,328 |
| Loan loss allowance to noncurrent loans | 211.6071% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1431% | 6,994 |
| Noncurrent loans to loans | 0.2923% | 6,603 |
| Net loans and leases to total assets | 48.6525% | 6,464 |
| Net loans and leases to deposits | 72.9734% | 4,695 |
| Net loans and leases to core deposits | 73.6602% | 5,338 |
| Total domestic deposits to total assets | 66.6716% | 7,446 |
| Equity capital to assets | 14.8749% | 922 |
| Core capital (leverage) ratio | 15.3142% | 660 |
| Tier 1 risk-based capital ratio | 28.3951% | 602 |
| Total risk-based capital ratio | 28.9890% | 630 |
| Memoranda: | ||
| Average total assets | $157,022,500 | 3,814 |
| Average earning assets | $144,838,000 | 3,770 |
| Average equity | $22,874,250 | 2,821 |
| Average total loans | $74,154,000 | 4,598 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 3,242 |
| Cost of funding earning assets | 1.9327% | 1,102 |
| Net interest margin | 3.4118% | 5,593 |
| Noninterest income to average assets | 0.5827% | 3,461 |
| Noninterest expense to average assets | 2.7177% | 4,837 |
| Loan and lease loss provision to assets | 0.0763% | 6,175 |
| Net operating income to assets | 0.7479% | 3,205 |
| Return on assets (ROA) | 0.5280% | 4,361 |
| Pretax return on assets | 0.6629% | 4,359 |
| Return on Equity (ROE) | 3.6502% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.6502% | 3,776 |
| Net charge-offs to loans | 0.2482% | 4,103 |
| Credit loss provision to net charge-offs | 65.9341% | 5,074 |
| Earnings coverage of net charge-offs (x) | 8.7582% | 2,103 |
| Efficiency ratio | 72.8265% | 3,690 |
| Assets per employee ($millions) | 3.9607% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 7,326 |
| Loan loss allowance to noncurrent loans | 545.0549% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 7,243 |
| Noncurrent loans to loans | 0.1204% | 7,030 |
| Net loans and leases to total assets | 47.4000% | 6,669 |
| Net loans and leases to deposits | 72.8212% | 4,869 |
| Net loans and leases to core deposits | 73.3297% | 5,518 |
| Total domestic deposits to total assets | 65.0910% | 7,562 |
| Equity capital to assets | 14.5166% | 1,007 |
| Core capital (leverage) ratio | 14.9592% | 726 |
| Tier 1 risk-based capital ratio | 28.1373% | 618 |
| Total risk-based capital ratio | 28.7609% | 650 |
| Memoranda: | ||
| Average total assets | $157,192,670 | 3,839 |
| Average earning assets | $145,084,670 | 3,794 |
| Average equity | $22,738,670 | 2,830 |
| Average total loans | $73,331,670 | 4,665 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 3,123 |
| Cost of funding earning assets | 1.9940% | 1,105 |
| Net interest margin | 3.3890% | 5,628 |
| Noninterest income to average assets | 0.5825% | 3,395 |
| Noninterest expense to average assets | 2.7233% | 4,798 |
| Loan and lease loss provision to assets | 0.1533% | 5,002 |
| Net operating income to assets | 0.6296% | 3,762 |
| Return on assets (ROA) | 0.6898% | 3,603 |
| Pretax return on assets | 0.9069% | 3,443 |
| Return on Equity (ROE) | 4.7769% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.7769% | 3,280 |
| Net charge-offs to loans | 0.0942% | 4,474 |
| Credit loss provision to net charge-offs | 352.9412% | 1,146 |
| Earnings coverage of net charge-offs (x) | 22.5882% | 1,086 |
| Efficiency ratio | 73.5172% | 3,658 |
| Assets per employee ($millions) | 3.9552% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7812% | 7,171 |
| Loan loss allowance to noncurrent loans | 367.0968% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 7,083 |
| Noncurrent loans to loans | 0.2128% | 6,909 |
| Net loans and leases to total assets | 45.6763% | 6,852 |
| Net loans and leases to deposits | 71.9116% | 5,064 |
| Net loans and leases to core deposits | 72.3972% | 5,665 |
| Total domestic deposits to total assets | 63.5172% | 7,690 |
| Equity capital to assets | 14.3968% | 1,037 |
| Core capital (leverage) ratio | 14.9331% | 759 |
| Tier 1 risk-based capital ratio | 28.2078% | 623 |
| Total risk-based capital ratio | 28.9298% | 651 |
| Memoranda: | ||
| Average total assets | $156,576,000 | 3,900 |
| Average earning assets | $144,229,500 | 3,867 |
| Average equity | $22,609,000 | 2,867 |
| Average total loans | $72,202,500 | 4,776 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6026% | 3,594 |
| Cost of funding earning assets | 2.4409% | 1,185 |
| Net interest margin | 3.1618% | 6,200 |
| Noninterest income to average assets | 0.6616% | 3,209 |
| Noninterest expense to average assets | 2.6934% | 5,422 |
| Loan and lease loss provision to assets | 0.1516% | 6,152 |
| Net operating income to assets | 0.5044% | 3,706 |
| Return on assets (ROA) | 0.2498% | 4,801 |
| Pretax return on assets | 0.3611% | 4,610 |
| Return on Equity (ROE) | 1.7010% | 5,019 |
| Retained earnings to average equity (ytd only) | 1.7010% | 3,894 |
| Net charge-offs to loans | 0.2128% | 5,292 |
| Credit loss provision to net charge-offs | 156.4626% | 2,886 |
| Earnings coverage of net charge-offs (x) | 9.1020% | 1,844 |
| Efficiency ratio | 75.3364% | 3,645 |
| Assets per employee ($millions) | 3.8736% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 7,293 |
| Loan loss allowance to noncurrent loans | 95.4710% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 6,467 |
| Noncurrent loans to loans | 0.7713% | 5,725 |
| Net loans and leases to total assets | 45.8523% | 6,993 |
| Net loans and leases to deposits | 72.1298% | 5,307 |
| Net loans and leases to core deposits | 102.4220% | 3,757 |
| Total domestic deposits to total assets | 63.5692% | 7,718 |
| Equity capital to assets | 14.4834% | 1,029 |
| Core capital (leverage) ratio | 15.0219% | 788 |
| Tier 1 risk-based capital ratio | 28.1094% | 634 |
| Total risk-based capital ratio | 28.7839% | 653 |
| Memoranda: | ||
| Average total assets | $151,742,200 | 3,929 |
| Average earning assets | $139,827,400 | 3,910 |
| Average equity | $22,281,400 | 2,915 |
| Average total loans | $69,063,200 | 4,899 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6280% | 3,703 |
| Cost of funding earning assets | 2.5438% | 1,168 |
| Net interest margin | 3.0842% | 6,354 |
| Noninterest income to average assets | 0.6590% | 3,298 |
| Noninterest expense to average assets | 2.7356% | 5,171 |
| Loan and lease loss provision to assets | 0.0883% | 6,480 |
| Net operating income to assets | 0.5181% | 3,908 |
| Return on assets (ROA) | 0.5477% | 3,882 |
| Pretax return on assets | 0.7173% | 3,796 |
| Return on Equity (ROE) | 3.7167% | 4,488 |
| Retained earnings to average equity (ytd only) | 3.7167% | 3,209 |
| Net charge-offs to loans | 0.1909% | 4,875 |
| Credit loss provision to net charge-offs | 102.0408% | 4,989 |
| Earnings coverage of net charge-offs (x) | 8.8573% | 2,186 |
| Efficiency ratio | 78.1084% | 3,149 |
| Assets per employee ($millions) | 4.0306% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 7,535 |
| Loan loss allowance to noncurrent loans | 137.3457% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 6,954 |
| Noncurrent loans to loans | 0.4549% | 6,413 |
| Net loans and leases to total assets | 46.2102% | 7,096 |
| Net loans and leases to deposits | 71.1935% | 5,775 |
| Net loans and leases to core deposits | 100.5841% | 4,309 |
| Total domestic deposits to total assets | 64.9080% | 7,729 |
| Equity capital to assets | 14.8567% | 1,048 |
| Core capital (leverage) ratio | 15.4958% | 762 |
| Tier 1 risk-based capital ratio | 28.3824% | 663 |
| Total risk-based capital ratio | 28.9513% | 686 |
| Memoranda: | ||
| Average total assets | $150,942,000 | 3,966 |
| Average earning assets | $139,157,250 | 3,947 |
| Average equity | $22,241,500 | 2,945 |
| Average total loans | $68,436,000 | 4,971 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 3,682 |
| Cost of funding earning assets | 2.6340% | 1,202 |
| Net interest margin | 3.0429% | 6,427 |
| Noninterest income to average assets | 0.6604% | 3,262 |
| Noninterest expense to average assets | 2.7430% | 5,208 |
| Loan and lease loss provision to assets | 0.0999% | 6,176 |
| Net operating income to assets | 0.4721% | 4,211 |
| Return on assets (ROA) | 0.5166% | 4,143 |
| Pretax return on assets | 0.6804% | 4,068 |
| Return on Equity (ROE) | 3.5160% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.5160% | 3,352 |
| Net charge-offs to loans | 0.1392% | 4,777 |
| Credit loss provision to net charge-offs | 159.5745% | 2,878 |
| Earnings coverage of net charge-offs (x) | 11.5319% | 1,896 |
| Efficiency ratio | 79.1699% | 3,166 |
| Assets per employee ($millions) | 4.0133% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 7,453 |
| Loan loss allowance to noncurrent loans | 120.4082% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 6,763 |
| Noncurrent loans to loans | 0.5681% | 6,130 |
| Net loans and leases to total assets | 44.9324% | 7,268 |
| Net loans and leases to deposits | 69.8180% | 6,005 |
| Net loans and leases to core deposits | 98.4795% | 4,651 |
| Total domestic deposits to total assets | 64.3564% | 7,816 |
| Equity capital to assets | 14.4964% | 1,167 |
| Core capital (leverage) ratio | 15.3639% | 845 |
| Tier 1 risk-based capital ratio | 28.5657% | 682 |
| Total risk-based capital ratio | 29.1795% | 704 |
| Memoranda: | ||
| Average total assets | $150,201,670 | 3,986 |
| Average earning assets | $138,422,330 | 3,983 |
| Average equity | $22,070,330 | 2,962 |
| Average total loans | $67,507,330 | 5,046 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7012% | 3,801 |
| Cost of funding earning assets | 2.7253% | 1,191 |
| Net interest margin | 2.9759% | 6,542 |
| Noninterest income to average assets | 0.6387% | 3,285 |
| Noninterest expense to average assets | 2.6381% | 5,282 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5448% | 4,235 |
| Return on assets (ROA) | 0.5448% | 4,419 |
| Pretax return on assets | 0.7407% | 4,283 |
| Return on Equity (ROE) | 3.6823% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.6823% | 3,854 |
| Net charge-offs to loans | 0.1438% | 3,814 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,869 |
| Efficiency ratio | 78.0778% | 3,153 |
| Assets per employee ($millions) | 3.9675% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 7,615 |
| Loan loss allowance to noncurrent loans | 297.8723% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 6,749 |
| Noncurrent loans to loans | 0.2103% | 6,929 |
| Net loans and leases to total assets | 44.1999% | 7,322 |
| Net loans and leases to deposits | 68.6530% | 6,117 |
| Net loans and leases to core deposits | 97.2165% | 4,828 |
| Total domestic deposits to total assets | 64.3817% | 7,829 |
| Equity capital to assets | 14.7667% | 1,168 |
| Core capital (leverage) ratio | 15.5447% | 856 |
| Tier 1 risk-based capital ratio | 29.0235% | 686 |
| Total risk-based capital ratio | 29.5831% | 715 |
| Memoranda: | ||
| Average total assets | $149,049,000 | 4,027 |
| Average earning assets | $137,234,000 | 4,010 |
| Average equity | $22,051,500 | 2,968 |
| Average total loans | $66,762,500 | 5,104 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0408% | 5,351 |
| Cost of funding earning assets | 3.1620% | 1,309 |
| Net interest margin | 2.8788% | 7,194 |
| Noninterest income to average assets | 0.8705% | 2,105 |
| Noninterest expense to average assets | 2.6917% | 5,305 |
| Loan and lease loss provision to assets | 0.0928% | 6,205 |
| Net operating income to assets | 0.5645% | 4,463 |
| Return on assets (ROA) | 0.4627% | 4,713 |
| Pretax return on assets | 0.6167% | 4,640 |
| Return on Equity (ROE) | 3.0973% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.0973% | 3,232 |
| Net charge-offs to loans | 0.0453% | 6,143 |
| Credit loss provision to net charge-offs | 471.4286% | 935 |
| Earnings coverage of net charge-offs (x) | 42.9286% | 859 |
| Efficiency ratio | 76.1034% | 3,223 |
| Assets per employee ($millions) | 3.8772% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6680% | 7,507 |
| Loan loss allowance to noncurrent loans | 70.0315% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 5,583 |
| Noncurrent loans to loans | 0.9539% | 4,696 |
| Net loans and leases to total assets | 44.8121% | 7,415 |
| Net loans and leases to deposits | 71.3153% | 6,131 |
| Net loans and leases to core deposits | 96.7087% | 5,181 |
| Total domestic deposits to total assets | 62.8366% | 7,844 |
| Equity capital to assets | 14.8236% | 1,207 |
| Core capital (leverage) ratio | 15.5667% | 912 |
| Tier 1 risk-based capital ratio | 29.1697% | 687 |
| Total risk-based capital ratio | 29.7698% | 715 |
| Memoranda: | ||
| Average total assets | $142,212,800 | 4,039 |
| Average earning assets | $131,720,600 | 4,021 |
| Average equity | $21,244,400 | 3,071 |
| Average total loans | $61,846,800 | 5,186 |