Home > Community Bankers' Bank > Performance and Condition Ratios
Community Bankers' Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6777% | 2,726 |
| Cost of funding earning assets | 2.0617% | 828 |
| Net interest margin | 2.6160% | 3,942 |
| Noninterest income to average assets | 1.6400% | 345 |
| Noninterest expense to average assets | 4.0669% | 345 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.0850% | 4,267 |
| Return on assets (ROA) | 0.0850% | 4,291 |
| Pretax return on assets | 0.0856% | 4,286 |
| Return on Equity (ROE) | 0.7400% | 4,283 |
| Retained earnings to average equity (ytd only) | 0.7428% | 3,889 |
| Net charge-offs to loans | -0.0148% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 99.8556% | 192 |
| Assets per employee ($millions) | 8.1126% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 812 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 72.6500% | 1,508 |
| Net loans and leases to deposits | 100.4521% | 512 |
| Net loans and leases to core deposits | 154.3946% | 181 |
| Total domestic deposits to total assets | 72.3300% | 4,211 |
| Equity capital to assets | 11.5558% | 1,266 |
| Core capital (leverage) ratio | 13.0356% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $153,015,000 | 3,330 |
| Average earning assets | $142,165,000 | 3,320 |
| Average equity | $17,502,000 | 3,054 |
| Average total loans | $107,929,600 | 3,088 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 2,674 |
| Cost of funding earning assets | 1.9729% | 737 |
| Net interest margin | 2.6290% | 3,984 |
| Noninterest income to average assets | 1.6700% | 350 |
| Noninterest expense to average assets | 4.1177% | 337 |
| Loan and lease loss provision to assets | -0.1100% | 4,548 |
| Net operating income to assets | 0.0986% | 4,320 |
| Return on assets (ROA) | 0.0986% | 4,341 |
| Pretax return on assets | 0.1004% | 4,344 |
| Return on Equity (ROE) | 0.8600% | 4,328 |
| Retained earnings to average equity (ytd only) | 0.8647% | 3,977 |
| Net charge-offs to loans | -0.0125% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 100.1486% | 178 |
| Assets per employee ($millions) | 7.7521% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 715 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.7000% | 1,973 |
| Net loans and leases to deposits | 94.4405% | 863 |
| Net loans and leases to core deposits | 144.3485% | 177 |
| Total domestic deposits to total assets | 72.7400% | 4,227 |
| Equity capital to assets | 11.0635% | 1,326 |
| Core capital (leverage) ratio | 12.8301% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $152,734,000 | 3,344 |
| Average earning assets | $141,848,500 | 3,331 |
| Average equity | $17,424,500 | 3,045 |
| Average total loans | $106,456,000 | 3,110 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 2,768 |
| Cost of funding earning assets | 1.7641% | 793 |
| Net interest margin | 2.6872% | 3,991 |
| Noninterest income to average assets | 1.7300% | 284 |
| Noninterest expense to average assets | 4.2536% | 299 |
| Loan and lease loss provision to assets | -0.1500% | 4,595 |
| Net operating income to assets | 0.1184% | 4,348 |
| Return on assets (ROA) | 0.1184% | 4,378 |
| Pretax return on assets | 0.1263% | 4,378 |
| Return on Equity (ROE) | 1.0300% | 4,366 |
| Retained earnings to average equity (ytd only) | 1.0277% | 3,905 |
| Net charge-offs to loans | -0.0113% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 100.4975% | 166 |
| Assets per employee ($millions) | 7.5349% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 807 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.9600% | 1,536 |
| Net loans and leases to deposits | 96.7628% | 687 |
| Net loans and leases to core deposits | 141.1057% | 205 |
| Total domestic deposits to total assets | 74.3700% | 4,168 |
| Equity capital to assets | 11.6160% | 1,170 |
| Core capital (leverage) ratio | 13.2966% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $151,964,667 | 3,357 |
| Average earning assets | $141,261,667 | 3,350 |
| Average equity | $17,515,000 | 3,060 |
| Average total loans | $105,828,000 | 3,112 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 2,361 |
| Cost of funding earning assets | 1.6293% | 662 |
| Net interest margin | 2.8526% | 3,862 |
| Noninterest income to average assets | 1.5600% | 312 |
| Noninterest expense to average assets | 4.3854% | 293 |
| Loan and lease loss provision to assets | -0.2900% | 4,644 |
| Net operating income to assets | 0.1206% | 4,418 |
| Return on assets (ROA) | 0.1206% | 4,391 |
| Pretax return on assets | 0.1258% | 4,391 |
| Return on Equity (ROE) | 1.0500% | 4,377 |
| Retained earnings to average equity (ytd only) | 1.0502% | 3,858 |
| Net charge-offs to loans | -0.0116% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 103.9776% | 138 |
| Assets per employee ($millions) | 7.1567% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8166% | 644 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.2500% | 1,696 |
| Net loans and leases to deposits | 90.6541% | 1,001 |
| Net loans and leases to core deposits | 123.3287% | 378 |
| Total domestic deposits to total assets | 76.3900% | 4,138 |
| Equity capital to assets | 12.3508% | 905 |
| Core capital (leverage) ratio | 12.9562% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $152,598,500 | 3,400 |
| Average earning assets | $141,905,000 | 3,389 |
| Average equity | $17,520,000 | 3,086 |
| Average total loans | $103,601,500 | 3,165 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3851% | 3,380 |
| Cost of funding earning assets | 0.6227% | 819 |
| Net interest margin | 2.7624% | 3,952 |
| Noninterest income to average assets | 1.8800% | 272 |
| Noninterest expense to average assets | 4.0497% | 325 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.3648% | 4,292 |
| Return on assets (ROA) | 0.3648% | 4,259 |
| Pretax return on assets | 0.4331% | 4,242 |
| Return on Equity (ROE) | 3.1300% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.1264% | 3,682 |
| Net charge-offs to loans | -0.0252% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.8653% | 282 |
| Assets per employee ($millions) | 8.1032% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8288% | 624 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 64.3600% | 2,214 |
| Net loans and leases to deposits | 91.0426% | 979 |
| Net loans and leases to core deposits | 120.1232% | 367 |
| Total domestic deposits to total assets | 70.6900% | 4,459 |
| Equity capital to assets | 10.7131% | 1,368 |
| Core capital (leverage) ratio | 12.9881% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $153,765,400 | 3,406 |
| Average earning assets | $143,246,000 | 3,392 |
| Average equity | $17,943,800 | 3,125 |
| Average total loans | $99,270,200 | 3,163 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1615% | 3,530 |
| Cost of funding earning assets | 0.4400% | 1,029 |
| Net interest margin | 2.7214% | 3,886 |
| Noninterest income to average assets | 2.0700% | 261 |
| Noninterest expense to average assets | 4.0784% | 313 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.4623% | 4,145 |
| Return on assets (ROA) | 0.4623% | 4,090 |
| Pretax return on assets | 0.5555% | 4,058 |
| Return on Equity (ROE) | 3.8800% | 4,171 |
| Retained earnings to average equity (ytd only) | 3.8770% | 3,484 |
| Net charge-offs to loans | -0.0301% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 88.6850% | 364 |
| Assets per employee ($millions) | 7.6331% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9328% | 563 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.4800% | 2,040 |
| Net loans and leases to deposits | 88.2750% | 1,013 |
| Net loans and leases to core deposits | 108.7599% | 507 |
| Total domestic deposits to total assets | 73.0400% | 4,479 |
| Equity capital to assets | 11.2039% | 1,099 |
| Core capital (leverage) ratio | 13.3638% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $151,690,750 | 3,453 |
| Average earning assets | $141,195,750 | 3,434 |
| Average equity | $18,089,250 | 3,156 |
| Average total loans | $97,526,250 | 3,197 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9573% | 3,658 |
| Cost of funding earning assets | 0.3234% | 1,499 |
| Net interest margin | 2.6339% | 3,842 |
| Noninterest income to average assets | 2.3162% | 199 |
| Noninterest expense to average assets | 4.1066% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5483% | 3,768 |
| Return on assets (ROA) | 0.5483% | 3,719 |
| Pretax return on assets | 0.6633% | 3,675 |
| Return on Equity (ROE) | 4.5065% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.5065% | 2,879 |
| Net charge-offs to loans | -0.0393% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0942% | 576 |
| Assets per employee ($millions) | 7.3286% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 65.1862% | 1,792 |
| Net loans and leases to deposits | 86.9554% | 910 |
| Net loans and leases to core deposits | 108.2885% | 387 |
| Total domestic deposits to total assets | 74.9650% | 4,508 |
| Equity capital to assets | 12.0351% | 860 |
| Core capital (leverage) ratio | 13.1743% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,367,333 | 3,486 |
| Average earning assets | $141,008,333 | 3,484 |
| Average equity | $18,417,667 | 3,194 |
| Average total loans | $96,578,000 | 3,233 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8610% | 3,624 |
| Cost of funding earning assets | 0.2727% | 1,901 |
| Net interest margin | 2.5882% | 3,686 |
| Noninterest income to average assets | 2.1825% | 208 |
| Noninterest expense to average assets | 3.9359% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5515% | 3,552 |
| Return on assets (ROA) | 0.5515% | 3,528 |
| Pretax return on assets | 0.6659% | 3,484 |
| Return on Equity (ROE) | 4.5091% | 3,757 |
| Retained earnings to average equity (ytd only) | 4.5091% | 2,776 |
| Net charge-offs to loans | -0.0208% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5285% | 765 |
| Assets per employee ($millions) | 7.1805% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0468% | 574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.2992% | 1,823 |
| Net loans and leases to deposits | 80.8192% | 1,091 |
| Net loans and leases to core deposits | 101.4504% | 457 |
| Total domestic deposits to total assets | 77.0847% | 4,456 |
| Equity capital to assets | 12.1673% | 898 |
| Core capital (leverage) ratio | 12.6097% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,765,500 | 3,479 |
| Average earning assets | $143,728,000 | 3,473 |
| Average equity | $18,806,500 | 3,249 |
| Average total loans | $96,106,500 | 3,246 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7844% | 4,225 |
| Cost of funding earning assets | 0.4579% | 1,145 |
| Net interest margin | 2.3265% | 4,392 |
| Noninterest income to average assets | 2.1065% | 287 |
| Noninterest expense to average assets | 3.7684% | 360 |
| Loan and lease loss provision to assets | -0.0185% | 4,215 |
| Net operating income to assets | 0.4464% | 4,191 |
| Return on assets (ROA) | 0.4624% | 4,204 |
| Pretax return on assets | 0.5530% | 4,170 |
| Return on Equity (ROE) | 3.9349% | 4,227 |
| Retained earnings to average equity (ytd only) | 3.9349% | 3,242 |
| Net charge-offs to loans | -0.0440% | 4,267 |
| Credit loss provision to net charge-offs | 71.4286% | 2,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9690% | 390 |
| Assets per employee ($millions) | 7.4639% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.1955% | 2,141 |
| Net loans and leases to deposits | 78.4428% | 1,361 |
| Net loans and leases to core deposits | 100.7937% | 504 |
| Total domestic deposits to total assets | 76.7381% | 4,478 |
| Equity capital to assets | 12.2916% | 1,135 |
| Core capital (leverage) ratio | 12.2039% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,401,600 | 3,375 |
| Average earning assets | $151,988,800 | 3,361 |
| Average equity | $19,085,800 | 3,294 |
| Average total loans | $95,539,600 | 3,255 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7494% | 4,361 |
| Cost of funding earning assets | 0.4949% | 1,073 |
| Net interest margin | 2.2545% | 4,526 |
| Noninterest income to average assets | 2.0421% | 335 |
| Noninterest expense to average assets | 3.7000% | 374 |
| Loan and lease loss provision to assets | -0.0244% | 4,365 |
| Net operating income to assets | 0.3966% | 4,378 |
| Return on assets (ROA) | 0.4175% | 4,378 |
| Pretax return on assets | 0.5014% | 4,368 |
| Return on Equity (ROE) | 3.5922% | 4,372 |
| Retained earnings to average equity (ytd only) | 3.5922% | 3,716 |
| Net charge-offs to loans | -0.0461% | 4,317 |
| Credit loss provision to net charge-offs | 90.9091% | 1,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1198% | 350 |
| Assets per employee ($millions) | 7.0653% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0083% | 620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.1798% | 2,116 |
| Net loans and leases to deposits | 80.2295% | 1,268 |
| Net loans and leases to core deposits | 99.7451% | 594 |
| Total domestic deposits to total assets | 76.2560% | 4,526 |
| Equity capital to assets | 12.3381% | 1,243 |
| Core capital (leverage) ratio | 11.8478% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,816,750 | 3,393 |
| Average earning assets | $153,290,000 | 3,377 |
| Average equity | $19,040,750 | 3,341 |
| Average total loans | $95,347,250 | 3,301 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7102% | 4,446 |
| Cost of funding earning assets | 0.5344% | 1,015 |
| Net interest margin | 2.1758% | 4,614 |
| Noninterest income to average assets | 1.8630% | 369 |
| Noninterest expense to average assets | 3.6180% | 401 |
| Loan and lease loss provision to assets | -0.0360% | 4,479 |
| Net operating income to assets | 0.2688% | 4,561 |
| Return on assets (ROA) | 0.3001% | 4,548 |
| Pretax return on assets | 0.3565% | 4,541 |
| Return on Equity (ROE) | 2.6323% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.6323% | 3,963 |
| Net charge-offs to loans | -0.0633% | 4,459 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7385% | 277 |
| Assets per employee ($millions) | 7.3449% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0831% | 518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 59.3051% | 2,506 |
| Net loans and leases to deposits | 79.1489% | 1,504 |
| Net loans and leases to core deposits | 93.2333% | 944 |
| Total domestic deposits to total assets | 74.9285% | 4,622 |
| Equity capital to assets | 12.3370% | 1,205 |
| Core capital (leverage) ratio | 11.5100% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,610,000 | 3,371 |
| Average earning assets | $156,077,000 | 3,355 |
| Average equity | $18,995,000 | 3,340 |
| Average total loans | $94,781,333 | 3,326 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6676% | 4,510 |
| Cost of funding earning assets | 0.5399% | 1,165 |
| Net interest margin | 2.1277% | 4,664 |
| Noninterest income to average assets | 1.6436% | 522 |
| Noninterest expense to average assets | 3.3867% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2192% | 4,621 |
| Return on assets (ROA) | 0.2431% | 4,621 |
| Pretax return on assets | 0.2824% | 4,616 |
| Return on Equity (ROE) | 2.2131% | 4,582 |
| Retained earnings to average equity (ytd only) | 2.2131% | 3,965 |
| Net charge-offs to loans | -0.0126% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0070% | 302 |
| Assets per employee ($millions) | 8.0245% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1185% | 484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.0071% | 3,536 |
| Net loans and leases to deposits | 67.3951% | 2,768 |
| Net loans and leases to core deposits | 78.1897% | 2,165 |
| Total domestic deposits to total assets | 75.6837% | 4,598 |
| Equity capital to assets | 10.6979% | 2,082 |
| Core capital (leverage) ratio | 10.5330% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,793,500 | 3,302 |
| Average earning assets | $162,244,500 | 3,288 |
| Average equity | $18,978,000 | 3,333 |
| Average total loans | $95,462,000 | 3,332 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3530% | 4,264 |
| Cost of funding earning assets | 0.8668% | 964 |
| Net interest margin | 2.4862% | 4,603 |
| Noninterest income to average assets | 1.7797% | 400 |
| Noninterest expense to average assets | 3.5543% | 642 |
| Loan and lease loss provision to assets | 0.1417% | 2,584 |
| Net operating income to assets | 0.3413% | 4,372 |
| Return on assets (ROA) | 0.3413% | 4,436 |
| Pretax return on assets | 0.4012% | 4,416 |
| Return on Equity (ROE) | 2.8919% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.8919% | 3,421 |
| Net charge-offs to loans | -0.0375% | 4,605 |
| Credit loss provision to net charge-offs | -625.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7507% | 501 |
| Assets per employee ($millions) | 7.6840% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 57.3693% | 3,158 |
| Net loans and leases to deposits | 76.5360% | 2,222 |
| Net loans and leases to core deposits | 93.2250% | 1,292 |
| Total domestic deposits to total assets | 74.9573% | 4,576 |
| Equity capital to assets | 11.2809% | 2,033 |
| Core capital (leverage) ratio | 11.2362% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,791,800 | 3,301 |
| Average earning assets | $148,015,000 | 3,290 |
| Average equity | $18,742,000 | 3,304 |
| Average total loans | $95,945,600 | 3,298 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4887% | 4,225 |
| Cost of funding earning assets | 0.9346% | 951 |
| Net interest margin | 2.5542% | 4,615 |
| Noninterest income to average assets | 1.7811% | 375 |
| Noninterest expense to average assets | 3.5161% | 692 |
| Loan and lease loss provision to assets | 0.1709% | 2,288 |
| Net operating income to assets | 0.3977% | 4,266 |
| Return on assets (ROA) | 0.3977% | 4,335 |
| Pretax return on assets | 0.4711% | 4,341 |
| Return on Equity (ROE) | 3.3297% | 4,331 |
| Retained earnings to average equity (ytd only) | 3.3297% | 3,381 |
| Net charge-offs to loans | -0.0350% | 4,577 |
| Credit loss provision to net charge-offs | -800.0000% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5649% | 574 |
| Assets per employee ($millions) | 7.6729% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 56.9101% | 3,534 |
| Net loans and leases to deposits | 78.4187% | 2,497 |
| Net loans and leases to core deposits | 98.9372% | 1,249 |
| Total domestic deposits to total assets | 72.5722% | 4,667 |
| Equity capital to assets | 11.2397% | 2,198 |
| Core capital (leverage) ratio | 11.4787% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,228,000 | 3,305 |
| Average earning assets | $145,378,000 | 3,302 |
| Average equity | $18,660,000 | 3,311 |
| Average total loans | $95,200,250 | 3,322 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 4,157 |
| Cost of funding earning assets | 1.0301% | 896 |
| Net interest margin | 2.6298% | 4,627 |
| Noninterest income to average assets | 1.7114% | 363 |
| Noninterest expense to average assets | 3.5610% | 687 |
| Loan and lease loss provision to assets | 0.1973% | 2,069 |
| Net operating income to assets | 0.3354% | 4,354 |
| Return on assets (ROA) | 0.3354% | 4,411 |
| Pretax return on assets | 0.3946% | 4,421 |
| Return on Equity (ROE) | 2.7485% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.7485% | 3,479 |
| Net charge-offs to loans | -0.0297% | 4,536 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7460% | 549 |
| Assets per employee ($millions) | 7.3383% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9403% | 485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.8817% | 3,526 |
| Net loans and leases to deposits | 79.1989% | 2,521 |
| Net loans and leases to core deposits | 105.0817% | 941 |
| Total domestic deposits to total assets | 73.0840% | 4,646 |
| Equity capital to assets | 11.6679% | 1,854 |
| Core capital (leverage) ratio | 11.4338% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,036,333 | 3,337 |
| Average earning assets | $141,149,667 | 3,334 |
| Average equity | $18,555,667 | 3,320 |
| Average total loans | $94,275,000 | 3,330 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 3,793 |
| Cost of funding earning assets | 1.1637% | 865 |
| Net interest margin | 2.8345% | 4,530 |
| Noninterest income to average assets | 1.7077% | 318 |
| Noninterest expense to average assets | 3.7548% | 659 |
| Loan and lease loss provision to assets | 0.2715% | 1,154 |
| Net operating income to assets | 0.2633% | 4,426 |
| Return on assets (ROA) | 0.2633% | 4,447 |
| Pretax return on assets | 0.3068% | 4,444 |
| Return on Equity (ROE) | 2.1070% | 4,422 |
| Retained earnings to average equity (ytd only) | 2.1070% | 3,404 |
| Net charge-offs to loans | -0.0469% | 4,618 |
| Credit loss provision to net charge-offs | -909.0909% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6541% | 660 |
| Assets per employee ($millions) | 7.0912% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8708% | 642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 60.3851% | 3,456 |
| Net loans and leases to deposits | 84.2704% | 2,192 |
| Net loans and leases to core deposits | 120.7741% | 445 |
| Total domestic deposits to total assets | 71.6564% | 4,786 |
| Equity capital to assets | 11.9251% | 2,125 |
| Core capital (leverage) ratio | 12.7056% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,333,000 | 3,362 |
| Average earning assets | $136,462,000 | 3,362 |
| Average equity | $18,415,000 | 3,330 |
| Average total loans | $93,765,000 | 3,325 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 3,421 |
| Cost of funding earning assets | 1.2949% | 776 |
| Net interest margin | 3.0451% | 4,461 |
| Noninterest income to average assets | 1.5323% | 397 |
| Noninterest expense to average assets | 3.8256% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4334% | 4,537 |
| Return on assets (ROA) | 0.4520% | 4,537 |
| Pretax return on assets | 0.5314% | 4,521 |
| Return on Equity (ROE) | 3.4430% | 4,588 |
| Retained earnings to average equity (ytd only) | 3.4430% | 3,286 |
| Net charge-offs to loans | 0.1459% | 1,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 5.2955% | 3,106 |
| Efficiency ratio | 88.2462% | 425 |
| Assets per employee ($millions) | 6.6028% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8409% | 614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 64.7949% | 3,098 |
| Net loans and leases to deposits | 94.8162% | 1,073 |
| Net loans and leases to core deposits | 139.8111% | 178 |
| Total domestic deposits to total assets | 68.3374% | 4,986 |
| Equity capital to assets | 13.1445% | 1,438 |
| Core capital (leverage) ratio | 13.0421% | 1,221 |
| Tier 1 risk-based capital ratio | 15.4702% | 2,590 |
| Total risk-based capital ratio | 16.7226% | 2,519 |
| Memoranda: | ||
| Average total assets | $137,182,600 | 3,474 |
| Average earning assets | $126,268,800 | 3,480 |
| Average equity | $18,007,600 | 3,340 |
| Average total loans | $90,502,600 | 3,382 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 3,295 |
| Cost of funding earning assets | 1.3022% | 777 |
| Net interest margin | 3.1147% | 4,455 |
| Noninterest income to average assets | 1.4988% | 406 |
| Noninterest expense to average assets | 3.8299% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4536% | 4,620 |
| Return on assets (ROA) | 0.4785% | 4,610 |
| Pretax return on assets | 0.5652% | 4,601 |
| Return on Equity (ROE) | 3.6465% | 4,645 |
| Retained earnings to average equity (ytd only) | 3.6465% | 3,581 |
| Net charge-offs to loans | 0.2113% | 839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3.8462% | 3,070 |
| Efficiency ratio | 87.7232% | 411 |
| Assets per employee ($millions) | 6.7025% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 63.2910% | 3,356 |
| Net loans and leases to deposits | 92.0337% | 1,434 |
| Net loans and leases to core deposits | 133.8643% | 252 |
| Total domestic deposits to total assets | 68.7694% | 5,040 |
| Equity capital to assets | 12.9987% | 1,626 |
| Core capital (leverage) ratio | 13.2765% | 1,223 |
| Tier 1 risk-based capital ratio | 14.8449% | 2,928 |
| Total risk-based capital ratio | 16.0967% | 2,849 |
| Memoranda: | ||
| Average total assets | $136,813,500 | 3,511 |
| Average earning assets | $125,937,000 | 3,518 |
| Average equity | $17,953,000 | 3,368 |
| Average total loans | $90,246,000 | 3,434 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4745% | 3,088 |
| Cost of funding earning assets | 1.3139% | 711 |
| Net interest margin | 3.1605% | 4,439 |
| Noninterest income to average assets | 1.4258% | 431 |
| Noninterest expense to average assets | 3.8480% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4151% | 4,709 |
| Return on assets (ROA) | 0.4531% | 4,662 |
| Pretax return on assets | 0.5299% | 4,655 |
| Return on Equity (ROE) | 3.4420% | 4,695 |
| Retained earnings to average equity (ytd only) | 3.4420% | 3,516 |
| Net charge-offs to loans | -0.2132% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7943% | 402 |
| Assets per employee ($millions) | 6.7621% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2499% | 315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.4880% | 3,602 |
| Net loans and leases to deposits | 85.2551% | 2,344 |
| Net loans and leases to core deposits | 126.2786% | 386 |
| Total domestic deposits to total assets | 72.1224% | 4,967 |
| Equity capital to assets | 13.3850% | 1,380 |
| Core capital (leverage) ratio | 13.1058% | 1,253 |
| Tier 1 risk-based capital ratio | 15.3361% | 2,689 |
| Total risk-based capital ratio | 16.5914% | 2,617 |
| Memoranda: | ||
| Average total assets | $135,500,330 | 3,549 |
| Average earning assets | $124,662,670 | 3,551 |
| Average equity | $17,838,670 | 3,375 |
| Average total loans | $90,075,330 | 3,455 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 2,597 |
| Cost of funding earning assets | 1.2025% | 897 |
| Net interest margin | 3.3798% | 3,937 |
| Noninterest income to average assets | 1.3773% | 449 |
| Noninterest expense to average assets | 3.8458% | 628 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5391% | 4,410 |
| Return on assets (ROA) | 0.6134% | 4,237 |
| Pretax return on assets | 0.7285% | 4,231 |
| Return on Equity (ROE) | 4.6987% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.6987% | 3,039 |
| Net charge-offs to loans | -0.3716% | 5,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7331% | 602 |
| Assets per employee ($millions) | 6.4456% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 66.3010% | 3,009 |
| Net loans and leases to deposits | 91.7102% | 1,431 |
| Net loans and leases to core deposits | 138.8609% | 197 |
| Total domestic deposits to total assets | 72.2940% | 5,031 |
| Equity capital to assets | 13.2073% | 1,346 |
| Core capital (leverage) ratio | 13.0257% | 1,263 |
| Tier 1 risk-based capital ratio | 15.5719% | 2,620 |
| Total risk-based capital ratio | 16.8279% | 2,539 |
| Memoranda: | ||
| Average total assets | $135,630,000 | 3,584 |
| Average earning assets | $124,740,500 | 3,587 |
| Average equity | $17,707,000 | 3,381 |
| Average total loans | $92,577,500 | 3,436 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 4,434 |
| Cost of funding earning assets | 1.0086% | 728 |
| Net interest margin | 2.8158% | 5,008 |
| Noninterest income to average assets | 1.5357% | 390 |
| Noninterest expense to average assets | 4.1552% | 429 |
| Loan and lease loss provision to assets | -0.0835% | 5,247 |
| Net operating income to assets | 0.0894% | 5,186 |
| Return on assets (ROA) | -0.0564% | 5,243 |
| Pretax return on assets | -0.1282% | 5,255 |
| Return on Equity (ROE) | -0.4426% | 5,247 |
| Retained earnings to average equity (ytd only) | -0.4426% | 5,039 |
| Net charge-offs to loans | -0.2058% | 5,271 |
| Credit loss provision to net charge-offs | 63.6872% | 3,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6564% | 136 |
| Assets per employee ($millions) | 6.4716% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 531 |
| Loan loss allowance to noncurrent loans | 529.7376% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 3,580 |
| Noncurrent loans to loans | 0.3668% | 3,224 |
| Net loans and leases to total assets | 67.4680% | 2,945 |
| Net loans and leases to deposits | 95.1171% | 1,158 |
| Net loans and leases to core deposits | 139.7580% | 203 |
| Total domestic deposits to total assets | 70.9315% | 5,125 |
| Equity capital to assets | 12.9041% | 1,391 |
| Core capital (leverage) ratio | 13.2418% | 1,162 |
| Tier 1 risk-based capital ratio | 15.1338% | 2,762 |
| Total risk-based capital ratio | 16.3873% | 2,701 |
| Memoranda: | ||
| Average total assets | $136,552,800 | 3,559 |
| Average earning assets | $125,719,800 | 3,562 |
| Average equity | $17,396,600 | 3,354 |
| Average total loans | $86,979,400 | 3,532 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 4,647 |
| Cost of funding earning assets | 0.9593% | 719 |
| Net interest margin | 2.7423% | 5,133 |
| Noninterest income to average assets | 1.5740% | 392 |
| Noninterest expense to average assets | 4.0970% | 459 |
| Loan and lease loss provision to assets | -0.1112% | 5,358 |
| Net operating income to assets | 0.1365% | 5,237 |
| Return on assets (ROA) | 0.1365% | 5,230 |
| Pretax return on assets | 0.1141% | 5,247 |
| Return on Equity (ROE) | 1.0751% | 5,228 |
| Retained earnings to average equity (ytd only) | 1.0751% | 4,838 |
| Net charge-offs to loans | -0.2406% | 5,329 |
| Credit loss provision to net charge-offs | 74.0260% | 2,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9286% | 155 |
| Assets per employee ($millions) | 6.2392% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8625% | 644 |
| Loan loss allowance to noncurrent loans | 388.7202% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 3,267 |
| Noncurrent loans to loans | 0.4791% | 2,949 |
| Net loans and leases to total assets | 72.0662% | 2,321 |
| Net loans and leases to deposits | 100.3464% | 754 |
| Net loans and leases to core deposits | 145.6486% | 169 |
| Total domestic deposits to total assets | 71.8174% | 5,143 |
| Equity capital to assets | 13.3189% | 1,205 |
| Core capital (leverage) ratio | 12.4781% | 1,515 |
| Tier 1 risk-based capital ratio | 14.5006% | 3,128 |
| Total risk-based capital ratio | 15.7536% | 3,039 |
| Memoranda: | ||
| Average total assets | $136,715,250 | 3,588 |
| Average earning assets | $125,927,250 | 3,596 |
| Average equity | $17,361,500 | 3,383 |
| Average total loans | $85,347,250 | 3,593 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4798% | 4,943 |
| Cost of funding earning assets | 0.8778% | 802 |
| Net interest margin | 2.6020% | 5,274 |
| Noninterest income to average assets | 1.5294% | 413 |
| Noninterest expense to average assets | 4.0574% | 493 |
| Loan and lease loss provision to assets | -0.1645% | 5,460 |
| Net operating income to assets | 0.0765% | 5,308 |
| Return on assets (ROA) | 0.0765% | 5,300 |
| Pretax return on assets | 0.0361% | 5,320 |
| Return on Equity (ROE) | 0.6116% | 5,300 |
| Retained earnings to average equity (ytd only) | 0.6116% | 4,839 |
| Net charge-offs to loans | -0.2790% | 5,376 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2685% | 136 |
| Assets per employee ($millions) | 6.5035% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 588 |
| Loan loss allowance to noncurrent loans | 305.2265% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 3,130 |
| Noncurrent loans to loans | 0.6342% | 2,524 |
| Net loans and leases to total assets | 62.0302% | 3,600 |
| Net loans and leases to deposits | 81.1839% | 2,844 |
| Net loans and leases to core deposits | 101.9751% | 1,566 |
| Total domestic deposits to total assets | 76.4071% | 4,818 |
| Equity capital to assets | 12.1263% | 1,768 |
| Core capital (leverage) ratio | 12.1278% | 1,631 |
| Tier 1 risk-based capital ratio | 15.1878% | 2,782 |
| Total risk-based capital ratio | 16.4415% | 2,707 |
| Memoranda: | ||
| Average total assets | $138,612,330 | 3,586 |
| Average earning assets | $127,824,000 | 3,592 |
| Average equity | $17,331,670 | 3,408 |
| Average total loans | $81,724,330 | 3,681 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 5,004 |
| Cost of funding earning assets | 0.8089% | 914 |
| Net interest margin | 2.6019% | 5,321 |
| Noninterest income to average assets | 1.5779% | 390 |
| Noninterest expense to average assets | 4.1619% | 433 |
| Loan and lease loss provision to assets | -0.1642% | 5,541 |
| Net operating income to assets | 0.0293% | 5,369 |
| Return on assets (ROA) | 0.0293% | 5,366 |
| Pretax return on assets | -0.0235% | 5,397 |
| Return on Equity (ROE) | 0.2309% | 5,369 |
| Retained earnings to average equity (ytd only) | 0.2309% | 4,770 |
| Net charge-offs to loans | -0.2896% | 5,444 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7232% | 137 |
| Assets per employee ($millions) | 6.4311% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 329 |
| Loan loss allowance to noncurrent loans | 301.5491% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 3,266 |
| Noncurrent loans to loans | 0.7585% | 2,303 |
| Net loans and leases to total assets | 50.5997% | 4,517 |
| Net loans and leases to deposits | 67.2087% | 4,008 |
| Net loans and leases to core deposits | 83.0928% | 3,057 |
| Total domestic deposits to total assets | 75.2873% | 5,043 |
| Equity capital to assets | 11.6972% | 1,995 |
| Core capital (leverage) ratio | 12.2118% | 1,520 |
| Tier 1 risk-based capital ratio | 17.3182% | 2,025 |
| Total risk-based capital ratio | 18.5748% | 1,977 |
| Memoranda: | ||
| Average total assets | $136,380,000 | 3,654 |
| Average earning assets | $125,600,500 | 3,653 |
| Average equity | $17,322,500 | 3,432 |
| Average total loans | $77,335,000 | 3,802 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3905% | 4,957 |
| Cost of funding earning assets | 0.5639% | 1,862 |
| Net interest margin | 2.8266% | 5,135 |
| Noninterest income to average assets | 1.9925% | 301 |
| Noninterest expense to average assets | 4.7782% | 255 |
| Loan and lease loss provision to assets | -0.2082% | 5,579 |
| Net operating income to assets | -0.2869% | 5,472 |
| Return on assets (ROA) | -0.2869% | 5,471 |
| Pretax return on assets | -0.0040% | 5,439 |
| Return on Equity (ROE) | -2.0373% | 5,461 |
| Retained earnings to average equity (ytd only) | -2.0373% | 5,284 |
| Net charge-offs to loans | -0.1359% | 5,446 |
| Credit loss provision to net charge-offs | 249.5238% | 1,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6475% | 129 |
| Assets per employee ($millions) | 4.8017% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2441% | 344 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 3,001 |
| Noncurrent loans to loans | 0.7480% | 2,333 |
| Net loans and leases to total assets | 61.1331% | 3,717 |
| Net loans and leases to deposits | 86.5720% | 2,186 |
| Net loans and leases to core deposits | 116.8149% | 695 |
| Total domestic deposits to total assets | 70.6153% | 5,383 |
| Equity capital to assets | 13.8917% | 943 |
| Core capital (leverage) ratio | 14.0611% | 820 |
| Tier 1 risk-based capital ratio | 18.2559% | 1,725 |
| Total risk-based capital ratio | 19.5127% | 1,673 |
| Memoranda: | ||
| Average total assets | $125,820,800 | 3,810 |
| Average earning assets | $114,555,000 | 3,835 |
| Average equity | $17,719,200 | 3,401 |
| Average total loans | $77,241,000 | 3,801 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3434% | 5,050 |
| Cost of funding earning assets | 0.5497% | 1,894 |
| Net interest margin | 2.7937% | 5,228 |
| Noninterest income to average assets | 2.0042% | 309 |
| Noninterest expense to average assets | 4.7371% | 259 |
| Loan and lease loss provision to assets | -0.2348% | 5,671 |
| Net operating income to assets | 0.1343% | 5,413 |
| Return on assets (ROA) | 0.1343% | 5,421 |
| Pretax return on assets | 0.0444% | 5,491 |
| Return on Equity (ROE) | 0.9506% | 5,439 |
| Retained earnings to average equity (ytd only) | 0.9506% | 4,992 |
| Net charge-offs to loans | -0.1125% | 5,408 |
| Credit loss provision to net charge-offs | 341.5385% | 881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1870% | 130 |
| Assets per employee ($millions) | 4.7133% | 2,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3820% | 309 |
| Loan loss allowance to noncurrent loans | 196.4126% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 2,406 |
| Noncurrent loans to loans | 1.2127% | 1,565 |
| Net loans and leases to total assets | 56.4207% | 4,196 |
| Net loans and leases to deposits | 77.1224% | 3,261 |
| Net loans and leases to core deposits | 110.0770% | 1,024 |
| Total domestic deposits to total assets | 73.1573% | 5,301 |
| Equity capital to assets | 14.0759% | 970 |
| Core capital (leverage) ratio | 14.1566% | 851 |
| Tier 1 risk-based capital ratio | 19.7170% | 1,435 |
| Total risk-based capital ratio | 20.9750% | 1,390 |
| Memoranda: | ||
| Average total assets | $126,065,000 | 3,848 |
| Average earning assets | $114,731,250 | 3,871 |
| Average equity | $17,813,250 | 3,424 |
| Average total loans | $77,033,000 | 3,840 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3285% | 5,065 |
| Cost of funding earning assets | 0.5180% | 2,030 |
| Net interest margin | 2.8105% | 5,227 |
| Noninterest income to average assets | 2.0467% | 303 |
| Noninterest expense to average assets | 4.7316% | 268 |
| Loan and lease loss provision to assets | -0.1544% | 5,690 |
| Net operating income to assets | 0.1225% | 5,468 |
| Return on assets (ROA) | 0.1225% | 5,474 |
| Pretax return on assets | 0.0255% | 5,541 |
| Return on Equity (ROE) | 0.8661% | 5,489 |
| Retained earnings to average equity (ytd only) | 0.8661% | 4,876 |
| Net charge-offs to loans | -0.0563% | 5,225 |
| Credit loss provision to net charge-offs | 440.9091% | 731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8008% | 160 |
| Assets per employee ($millions) | 4.4994% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3350% | 358 |
| Loan loss allowance to noncurrent loans | 344.7368% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 3,429 |
| Noncurrent loans to loans | 0.6773% | 2,721 |
| Net loans and leases to total assets | 60.8884% | 3,754 |
| Net loans and leases to deposits | 83.3513% | 2,562 |
| Net loans and leases to core deposits | 120.6648% | 529 |
| Total domestic deposits to total assets | 73.0503% | 5,384 |
| Equity capital to assets | 14.1733% | 909 |
| Core capital (leverage) ratio | 14.0522% | 850 |
| Tier 1 risk-based capital ratio | 18.7416% | 1,656 |
| Total risk-based capital ratio | 20.0002% | 1,614 |
| Memoranda: | ||
| Average total assets | $125,666,670 | 3,871 |
| Average earning assets | $114,284,330 | 3,905 |
| Average equity | $17,780,000 | 3,434 |
| Average total loans | $78,193,000 | 3,833 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2955% | 5,109 |
| Cost of funding earning assets | 0.4768% | 2,283 |
| Net interest margin | 2.8187% | 5,212 |
| Noninterest income to average assets | 2.0046% | 315 |
| Noninterest expense to average assets | 4.7519% | 279 |
| Loan and lease loss provision to assets | -0.2741% | 5,812 |
| Net operating income to assets | 0.1594% | 5,450 |
| Return on assets (ROA) | 0.1594% | 5,460 |
| Pretax return on assets | 0.0892% | 5,527 |
| Return on Equity (ROE) | 1.1273% | 5,472 |
| Retained earnings to average equity (ytd only) | 1.1273% | 4,610 |
| Net charge-offs to loans | -0.0564% | 5,237 |
| Credit loss provision to net charge-offs | 781.8182% | 404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0475% | 174 |
| Assets per employee ($millions) | 4.5195% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3524% | 380 |
| Loan loss allowance to noncurrent loans | 441.1058% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 3,882 |
| Noncurrent loans to loans | 0.5333% | 3,211 |
| Net loans and leases to total assets | 60.1903% | 3,765 |
| Net loans and leases to deposits | 82.2036% | 2,478 |
| Net loans and leases to core deposits | 115.0954% | 628 |
| Total domestic deposits to total assets | 73.2210% | 5,472 |
| Equity capital to assets | 14.0643% | 882 |
| Core capital (leverage) ratio | 14.2924% | 768 |
| Tier 1 risk-based capital ratio | 19.3171% | 1,532 |
| Total risk-based capital ratio | 20.5765% | 1,504 |
| Memoranda: | ||
| Average total assets | $125,508,500 | 3,911 |
| Average earning assets | $114,096,500 | 3,942 |
| Average equity | $17,742,000 | 3,446 |
| Average total loans | $78,018,000 | 3,863 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9614% | 5,530 |
| Cost of funding earning assets | 0.4077% | 2,931 |
| Net interest margin | 2.5537% | 5,556 |
| Noninterest income to average assets | 2.1907% | 301 |
| Noninterest expense to average assets | 4.3701% | 420 |
| Loan and lease loss provision to assets | -0.0778% | 5,649 |
| Net operating income to assets | 0.2390% | 5,336 |
| Return on assets (ROA) | 0.2390% | 5,409 |
| Pretax return on assets | 0.2532% | 5,423 |
| Return on Equity (ROE) | 1.9018% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.9018% | 4,452 |
| Net charge-offs to loans | 0.0866% | 2,460 |
| Credit loss provision to net charge-offs | -157.9710% | 4,957 |
| Earnings coverage of net charge-offs (x) | 3.5652% | 3,642 |
| Efficiency ratio | 96.1394% | 309 |
| Assets per employee ($millions) | 4.6100% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4477% | 333 |
| Loan loss allowance to noncurrent loans | 443.1555% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 3,897 |
| Noncurrent loans to loans | 0.5523% | 3,189 |
| Net loans and leases to total assets | 61.1569% | 3,707 |
| Net loans and leases to deposits | 84.0960% | 2,402 |
| Net loans and leases to core deposits | 117.2370% | 570 |
| Total domestic deposits to total assets | 72.7227% | 5,516 |
| Equity capital to assets | 14.2090% | 822 |
| Core capital (leverage) ratio | 14.2050% | 762 |
| Tier 1 risk-based capital ratio | 19.0783% | 1,574 |
| Total risk-based capital ratio | 20.3384% | 1,538 |
| Memoranda: | ||
| Average total assets | $140,180,600 | 3,671 |
| Average earning assets | $129,262,800 | 3,660 |
| Average equity | $17,615,200 | 3,470 |
| Average total loans | $79,650,400 | 3,804 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9264% | 5,634 |
| Cost of funding earning assets | 0.3913% | 3,113 |
| Net interest margin | 2.5351% | 5,635 |
| Noninterest income to average assets | 2.0364% | 345 |
| Noninterest expense to average assets | 4.2883% | 450 |
| Loan and lease loss provision to assets | -0.0194% | 5,666 |
| Net operating income to assets | 0.1453% | 5,563 |
| Return on assets (ROA) | 0.1453% | 5,619 |
| Pretax return on assets | 0.1110% | 5,665 |
| Return on Equity (ROE) | 1.1895% | 5,627 |
| Retained earnings to average equity (ytd only) | 1.1895% | 5,034 |
| Net charge-offs to loans | -0.0516% | 5,383 |
| Credit loss provision to net charge-offs | 67.7419% | 2,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9087% | 265 |
| Assets per employee ($millions) | 4.6890% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7321% | 255 |
| Loan loss allowance to noncurrent loans | 137.9356% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 1.2014% | 1,656 |
| Noncurrent loans to loans | 1.9807% | 999 |
| Net loans and leases to total assets | 58.9966% | 3,992 |
| Net loans and leases to deposits | 80.5313% | 2,906 |
| Net loans and leases to core deposits | 113.3948% | 748 |
| Total domestic deposits to total assets | 73.2591% | 5,499 |
| Equity capital to assets | 13.9814% | 1,040 |
| Core capital (leverage) ratio | 13.2102% | 1,105 |
| Tier 1 risk-based capital ratio | 19.1157% | 1,647 |
| Total risk-based capital ratio | 20.3779% | 1,601 |
| Memoranda: | ||
| Average total assets | $144,108,250 | 3,619 |
| Average earning assets | $133,220,250 | 3,619 |
| Average equity | $17,597,500 | 3,499 |
| Average total loans | $80,055,000 | 3,822 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8502% | 5,774 |
| Cost of funding earning assets | 0.3552% | 3,511 |
| Net interest margin | 2.4950% | 5,748 |
| Noninterest income to average assets | 1.9047% | 360 |
| Noninterest expense to average assets | 4.0882% | 538 |
| Loan and lease loss provision to assets | -0.0280% | 5,800 |
| Net operating income to assets | 0.1761% | 5,568 |
| Return on assets (ROA) | 0.1761% | 5,622 |
| Pretax return on assets | 0.1587% | 5,661 |
| Return on Equity (ROE) | 1.5032% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.5032% | 4,779 |
| Net charge-offs to loans | -0.0518% | 5,384 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9017% | 316 |
| Assets per employee ($millions) | 5.4473% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5555% | 338 |
| Loan loss allowance to noncurrent loans | 492.2170% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 4,304 |
| Noncurrent loans to loans | 0.5192% | 3,529 |
| Net loans and leases to total assets | 56.1884% | 4,289 |
| Net loans and leases to deposits | 77.2867% | 3,233 |
| Net loans and leases to core deposits | 110.8512% | 886 |
| Total domestic deposits to total assets | 72.7012% | 5,624 |
| Equity capital to assets | 12.4989% | 1,772 |
| Core capital (leverage) ratio | 12.8810% | 1,197 |
| Tier 1 risk-based capital ratio | 17.6609% | 2,025 |
| Total risk-based capital ratio | 18.9208% | 1,982 |
| Memoranda: | ||
| Average total assets | $149,943,000 | 3,562 |
| Average earning assets | $139,079,670 | 3,549 |
| Average equity | $17,563,000 | 3,504 |
| Average total loans | $81,143,330 | 3,821 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7886% | 5,862 |
| Cost of funding earning assets | 0.3461% | 3,642 |
| Net interest margin | 2.4424% | 5,851 |
| Noninterest income to average assets | 1.9079% | 363 |
| Noninterest expense to average assets | 3.9948% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1921% | 5,538 |
| Return on assets (ROA) | 0.1921% | 5,595 |
| Pretax return on assets | 0.1843% | 5,657 |
| Return on Equity (ROE) | 1.6921% | 5,576 |
| Retained earnings to average equity (ytd only) | 1.6921% | 4,594 |
| Net charge-offs to loans | -0.0544% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5901% | 406 |
| Assets per employee ($millions) | 5.6147% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5491% | 370 |
| Loan loss allowance to noncurrent loans | 475.7370% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 4,364 |
| Noncurrent loans to loans | 0.5358% | 3,580 |
| Net loans and leases to total assets | 54.9428% | 4,360 |
| Net loans and leases to deposits | 68.9221% | 3,964 |
| Net loans and leases to core deposits | 91.4341% | 2,240 |
| Total domestic deposits to total assets | 79.7172% | 4,811 |
| Equity capital to assets | 12.0475% | 1,998 |
| Core capital (leverage) ratio | 12.4452% | 1,357 |
| Tier 1 risk-based capital ratio | 17.9106% | 2,012 |
| Total risk-based capital ratio | 19.1712% | 1,974 |
| Memoranda: | ||
| Average total assets | $154,100,000 | 3,516 |
| Average earning assets | $143,299,500 | 3,505 |
| Average equity | $17,493,500 | 3,514 |
| Average total loans | $80,882,000 | 3,835 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7848% | 5,889 |
| Cost of funding earning assets | 0.3586% | 3,607 |
| Net interest margin | 2.4262% | 5,876 |
| Noninterest income to average assets | 2.4643% | 268 |
| Noninterest expense to average assets | 4.2266% | 528 |
| Loan and lease loss provision to assets | -0.1224% | 5,886 |
| Net operating income to assets | 0.5072% | 4,666 |
| Return on assets (ROA) | 0.5072% | 4,754 |
| Pretax return on assets | 0.6249% | 4,769 |
| Return on Equity (ROE) | 4.5012% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.5012% | 2,779 |
| Net charge-offs to loans | 0.0997% | 2,420 |
| Credit loss provision to net charge-offs | -229.1139% | 5,295 |
| Earnings coverage of net charge-offs (x) | 9.4051% | 2,821 |
| Efficiency ratio | 89.3751% | 730 |
| Assets per employee ($millions) | 6.2392% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6277% | 346 |
| Loan loss allowance to noncurrent loans | 472.3982% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 4,498 |
| Noncurrent loans to loans | 0.5563% | 3,503 |
| Net loans and leases to total assets | 47.6960% | 5,045 |
| Net loans and leases to deposits | 68.8559% | 4,043 |
| Net loans and leases to core deposits | 99.5932% | 1,544 |
| Total domestic deposits to total assets | 69.2693% | 5,924 |
| Equity capital to assets | 10.7262% | 3,101 |
| Core capital (leverage) ratio | 12.5637% | 1,318 |
| Tier 1 risk-based capital ratio | 17.3835% | 2,156 |
| Total risk-based capital ratio | 18.6439% | 2,106 |
| Memoranda: | ||
| Average total assets | $147,874,400 | 3,605 |
| Average earning assets | $138,034,800 | 3,561 |
| Average equity | $16,662,400 | 3,573 |
| Average total loans | $79,254,400 | 3,849 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8546% | 5,927 |
| Cost of funding earning assets | 0.3692% | 3,554 |
| Net interest margin | 2.4854% | 5,918 |
| Noninterest income to average assets | 2.3129% | 292 |
| Noninterest expense to average assets | 4.3680% | 450 |
| Loan and lease loss provision to assets | -0.1673% | 6,073 |
| Net operating income to assets | 0.3826% | 5,226 |
| Return on assets (ROA) | 0.3826% | 5,307 |
| Pretax return on assets | 0.4325% | 5,391 |
| Return on Equity (ROE) | 3.3499% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.3499% | 4,087 |
| Net charge-offs to loans | 0.1481% | 1,653 |
| Credit loss provision to net charge-offs | -205.6818% | 5,181 |
| Earnings coverage of net charge-offs (x) | 3.2614% | 3,532 |
| Efficiency ratio | 94.2760% | 478 |
| Assets per employee ($millions) | 5.0270% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7124% | 334 |
| Loan loss allowance to noncurrent loans | 457.9295% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 4,516 |
| Noncurrent loans to loans | 0.5923% | 3,548 |
| Net loans and leases to total assets | 51.1496% | 4,837 |
| Net loans and leases to deposits | 64.5940% | 4,508 |
| Net loans and leases to core deposits | 87.6034% | 2,694 |
| Total domestic deposits to total assets | 79.1863% | 4,932 |
| Equity capital to assets | 11.5321% | 2,481 |
| Core capital (leverage) ratio | 11.8314% | 1,791 |
| Tier 1 risk-based capital ratio | 17.6917% | 2,120 |
| Total risk-based capital ratio | 18.9531% | 2,081 |
| Memoranda: | ||
| Average total assets | $144,288,250 | 3,685 |
| Average earning assets | $134,701,250 | 3,655 |
| Average equity | $16,478,000 | 3,628 |
| Average total loans | $79,203,000 | 3,888 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8810% | 5,963 |
| Cost of funding earning assets | 0.3705% | 3,595 |
| Net interest margin | 2.5105% | 5,953 |
| Noninterest income to average assets | 2.0822% | 350 |
| Noninterest expense to average assets | 4.3466% | 479 |
| Loan and lease loss provision to assets | -0.1725% | 6,160 |
| Net operating income to assets | 0.2754% | 5,517 |
| Return on assets (ROA) | 0.2754% | 5,600 |
| Pretax return on assets | 0.2643% | 5,718 |
| Return on Equity (ROE) | 2.4196% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.4196% | 4,511 |
| Net charge-offs to loans | 0.3198% | 821 |
| Credit loss provision to net charge-offs | -96.8750% | 4,890 |
| Earnings coverage of net charge-offs (x) | 0.5156% | 3,649 |
| Efficiency ratio | 97.9317% | 379 |
| Assets per employee ($millions) | 4.8888% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9388% | 288 |
| Loan loss allowance to noncurrent loans | 258.7654% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 3,771 |
| Noncurrent loans to loans | 1.1357% | 2,379 |
| Net loans and leases to total assets | 47.1997% | 5,166 |
| Net loans and leases to deposits | 56.7814% | 5,077 |
| Net loans and leases to core deposits | 78.1391% | 3,558 |
| Total domestic deposits to total assets | 83.1254% | 3,898 |
| Equity capital to assets | 11.2400% | 2,633 |
| Core capital (leverage) ratio | 11.6504% | 1,885 |
| Tier 1 risk-based capital ratio | 19.2326% | 1,739 |
| Total risk-based capital ratio | 20.4966% | 1,701 |
| Memoranda: | ||
| Average total assets | $143,789,670 | 3,719 |
| Average earning assets | $134,951,330 | 3,683 |
| Average equity | $16,366,670 | 3,662 |
| Average total loans | $80,055,000 | 3,877 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0327% | 5,863 |
| Cost of funding earning assets | 0.3709% | 3,635 |
| Net interest margin | 2.6619% | 5,845 |
| Noninterest income to average assets | 2.0625% | 356 |
| Noninterest expense to average assets | 4.3751% | 471 |
| Loan and lease loss provision to assets | -0.1630% | 6,247 |
| Net operating income to assets | 0.3372% | 5,292 |
| Return on assets (ROA) | 0.3372% | 5,403 |
| Pretax return on assets | 0.3512% | 5,537 |
| Return on Equity (ROE) | 2.9434% | 5,401 |
| Retained earnings to average equity (ytd only) | 2.9434% | 4,207 |
| Net charge-offs to loans | -0.1848% | 6,035 |
| Credit loss provision to net charge-offs | 148.7179% | 1,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8744% | 508 |
| Assets per employee ($millions) | 4.7385% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8939% | 328 |
| Loan loss allowance to noncurrent loans | 244.9001% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 3,479 |
| Noncurrent loans to loans | 1.1816% | 2,408 |
| Net loans and leases to total assets | 54.9766% | 4,321 |
| Net loans and leases to deposits | 66.5005% | 4,107 |
| Net loans and leases to core deposits | 91.6481% | 1,975 |
| Total domestic deposits to total assets | 82.6710% | 4,285 |
| Equity capital to assets | 11.6049% | 2,374 |
| Core capital (leverage) ratio | 11.5267% | 1,982 |
| Tier 1 risk-based capital ratio | 17.7354% | 2,225 |
| Total risk-based capital ratio | 18.9848% | 2,188 |
| Memoranda: | ||
| Average total assets | $142,352,500 | 3,771 |
| Average earning assets | $133,741,500 | 3,720 |
| Average equity | $16,307,500 | 3,696 |
| Average total loans | $84,422,000 | 3,788 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1003% | 5,957 |
| Cost of funding earning assets | 0.3144% | 4,637 |
| Net interest margin | 2.7859% | 5,830 |
| Noninterest income to average assets | 1.9741% | 350 |
| Noninterest expense to average assets | 4.1832% | 612 |
| Loan and lease loss provision to assets | 0.0685% | 3,116 |
| Net operating income to assets | 0.3186% | 5,471 |
| Return on assets (ROA) | 0.3186% | 5,543 |
| Pretax return on assets | 0.3453% | 5,616 |
| Return on Equity (ROE) | 3.0070% | 5,478 |
| Retained earnings to average equity (ytd only) | 3.0070% | 4,100 |
| Net charge-offs to loans | 0.3539% | 1,236 |
| Credit loss provision to net charge-offs | 33.1126% | 3,792 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 4,276 |
| Efficiency ratio | 90.9972% | 780 |
| Assets per employee ($millions) | 5.0911% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6572% | 450 |
| Loan loss allowance to noncurrent loans | 319.8910% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5149% | 4,084 |
| Noncurrent loans to loans | 0.8307% | 3,235 |
| Net loans and leases to total assets | 60.3402% | 3,743 |
| Net loans and leases to deposits | 69.2502% | 3,999 |
| Net loans and leases to core deposits | 96.2934% | 1,692 |
| Total domestic deposits to total assets | 87.1336% | 2,207 |
| Equity capital to assets | 11.3069% | 2,600 |
| Core capital (leverage) ratio | 11.0280% | 2,385 |
| Tier 1 risk-based capital ratio | 16.2134% | 2,854 |
| Total risk-based capital ratio | 17.4765% | 2,787 |
| Memoranda: | ||
| Average total assets | $145,942,000 | 3,692 |
| Average earning assets | $137,407,200 | 3,636 |
| Average equity | $15,464,000 | 3,755 |
| Average total loans | $85,341,000 | 3,730 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1069% | 6,023 |
| Cost of funding earning assets | 0.2874% | 5,018 |
| Net interest margin | 2.8194% | 5,845 |
| Noninterest income to average assets | 1.9456% | 362 |
| Noninterest expense to average assets | 4.1064% | 683 |
| Loan and lease loss provision to assets | 0.0908% | 2,539 |
| Net operating income to assets | 0.3624% | 5,391 |
| Return on assets (ROA) | 0.3624% | 5,462 |
| Pretax return on assets | 0.4033% | 5,569 |
| Return on Equity (ROE) | 3.4769% | 5,373 |
| Retained earnings to average equity (ytd only) | 3.4769% | 4,159 |
| Net charge-offs to loans | 0.6873% | 511 |
| Credit loss provision to net charge-offs | 22.9358% | 3,548 |
| Earnings coverage of net charge-offs (x) | 1.2477% | 4,196 |
| Efficiency ratio | 89.2596% | 899 |
| Assets per employee ($millions) | 5.2750% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6461% | 531 |
| Loan loss allowance to noncurrent loans | 174.1935% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8605% | 3,264 |
| Noncurrent loans to loans | 1.5191% | 2,133 |
| Net loans and leases to total assets | 55.1493% | 4,442 |
| Net loans and leases to deposits | 62.8036% | 4,664 |
| Net loans and leases to core deposits | 80.6062% | 3,239 |
| Total domestic deposits to total assets | 87.8124% | 1,856 |
| Equity capital to assets | 10.5580% | 3,492 |
| Core capital (leverage) ratio | 10.7681% | 2,730 |
| Tier 1 risk-based capital ratio | 16.2850% | 2,913 |
| Total risk-based capital ratio | 17.5470% | 2,855 |
| Memoranda: | ||
| Average total assets | $146,790,000 | 3,712 |
| Average earning assets | $138,228,500 | 3,657 |
| Average equity | $15,300,500 | 3,802 |
| Average total loans | $84,585,500 | 3,789 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1056% | 6,058 |
| Cost of funding earning assets | 0.2888% | 5,088 |
| Net interest margin | 2.8168% | 5,866 |
| Noninterest income to average assets | 2.0002% | 342 |
| Noninterest expense to average assets | 4.0618% | 708 |
| Loan and lease loss provision to assets | 0.1365% | 1,813 |
| Net operating income to assets | 0.3864% | 5,277 |
| Return on assets (ROA) | 0.3864% | 5,346 |
| Pretax return on assets | 0.4519% | 5,413 |
| Return on Equity (ROE) | 3.7230% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.7230% | 3,826 |
| Net charge-offs to loans | 0.1979% | 1,842 |
| Credit loss provision to net charge-offs | 119.0476% | 1,732 |
| Earnings coverage of net charge-offs (x) | 5.1310% | 2,985 |
| Efficiency ratio | 87.3459% | 1,151 |
| Assets per employee ($millions) | 5.7082% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9977% | 386 |
| Loan loss allowance to noncurrent loans | 156.0827% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 2,858 |
| Noncurrent loans to loans | 1.9206% | 1,774 |
| Net loans and leases to total assets | 55.9476% | 4,295 |
| Net loans and leases to deposits | 63.6686% | 4,534 |
| Net loans and leases to core deposits | 76.1948% | 3,610 |
| Total domestic deposits to total assets | 87.8731% | 1,982 |
| Equity capital to assets | 10.4330% | 3,526 |
| Core capital (leverage) ratio | 10.7619% | 2,658 |
| Tier 1 risk-based capital ratio | 16.1094% | 3,036 |
| Total risk-based capital ratio | 17.3760% | 2,968 |
| Memoranda: | ||
| Average total assets | $146,487,000 | 3,735 |
| Average earning assets | $137,817,670 | 3,681 |
| Average equity | $15,202,670 | 3,822 |
| Average total loans | $84,891,000 | 3,795 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1165% | 6,098 |
| Cost of funding earning assets | 0.2812% | 5,266 |
| Net interest margin | 2.8353% | 5,871 |
| Noninterest income to average assets | 2.2264% | 279 |
| Noninterest expense to average assets | 4.1285% | 652 |
| Loan and lease loss provision to assets | 0.2062% | 1,123 |
| Net operating income to assets | 0.4508% | 4,928 |
| Return on assets (ROA) | 0.4508% | 5,000 |
| Pretax return on assets | 0.5525% | 5,001 |
| Return on Equity (ROE) | 4.3553% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.3553% | 3,514 |
| Net charge-offs to loans | -0.2697% | 6,457 |
| Credit loss provision to net charge-offs | -131.5789% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4769% | 1,620 |
| Assets per employee ($millions) | 5.6734% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0928% | 392 |
| Loan loss allowance to noncurrent loans | 140.1254% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.4284% | 2,485 |
| Noncurrent loans to loans | 2.2072% | 1,646 |
| Net loans and leases to total assets | 56.9694% | 4,004 |
| Net loans and leases to deposits | 64.6936% | 4,243 |
| Net loans and leases to core deposits | 76.4253% | 3,369 |
| Total domestic deposits to total assets | 88.0604% | 2,205 |
| Equity capital to assets | 10.3295% | 3,425 |
| Core capital (leverage) ratio | 10.8403% | 2,551 |
| Tier 1 risk-based capital ratio | 15.4654% | 3,457 |
| Total risk-based capital ratio | 16.7327% | 3,407 |
| Memoranda: | ||
| Average total assets | $145,523,500 | 3,774 |
| Average earning assets | $136,564,500 | 3,721 |
| Average equity | $15,062,000 | 3,850 |
| Average total loans | $84,536,500 | 3,834 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2866% | 6,016 |
| Cost of funding earning assets | 0.3056% | 5,552 |
| Net interest margin | 2.9810% | 5,620 |
| Noninterest income to average assets | 2.1870% | 349 |
| Noninterest expense to average assets | 3.8491% | 1,058 |
| Loan and lease loss provision to assets | 0.5536% | 474 |
| Net operating income to assets | 0.4585% | 4,914 |
| Return on assets (ROA) | 0.4585% | 5,046 |
| Pretax return on assets | 0.5797% | 4,936 |
| Return on Equity (ROE) | 4.7124% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.7124% | 2,806 |
| Net charge-offs to loans | 1.4893% | 320 |
| Credit loss provision to net charge-offs | 65.5359% | 3,416 |
| Earnings coverage of net charge-offs (x) | 1.3416% | 4,614 |
| Efficiency ratio | 77.2549% | 2,581 |
| Assets per employee ($millions) | 5.9808% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0963% | 420 |
| Loan loss allowance to noncurrent loans | 131.9193% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.7424% | 2,123 |
| Noncurrent loans to loans | 2.3471% | 1,635 |
| Net loans and leases to total assets | 55.5992% | 4,374 |
| Net loans and leases to deposits | 63.1042% | 4,596 |
| Net loans and leases to core deposits | 72.9122% | 3,961 |
| Total domestic deposits to total assets | 88.1070% | 2,113 |
| Equity capital to assets | 10.3715% | 3,323 |
| Core capital (leverage) ratio | 10.4965% | 2,926 |
| Tier 1 risk-based capital ratio | 15.9907% | 3,094 |
| Total risk-based capital ratio | 17.2575% | 3,047 |
| Memoranda: | ||
| Average total assets | $153,540,600 | 3,647 |
| Average earning assets | $143,979,400 | 3,604 |
| Average equity | $14,939,400 | 3,884 |
| Average total loans | $87,088,200 | 3,757 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3183% | 6,032 |
| Cost of funding earning assets | 0.3135% | 5,610 |
| Net interest margin | 3.0048% | 5,584 |
| Noninterest income to average assets | 2.2105% | 360 |
| Noninterest expense to average assets | 3.7622% | 1,140 |
| Loan and lease loss provision to assets | 0.6622% | 333 |
| Net operating income to assets | 0.4725% | 4,920 |
| Return on assets (ROA) | 0.4725% | 5,072 |
| Pretax return on assets | 0.6032% | 5,000 |
| Return on Equity (ROE) | 4.9310% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.9310% | 3,132 |
| Net charge-offs to loans | 1.5950% | 271 |
| Credit loss provision to net charge-offs | 73.3902% | 2,992 |
| Earnings coverage of net charge-offs (x) | 1.4025% | 4,369 |
| Efficiency ratio | 74.8300% | 2,937 |
| Assets per employee ($millions) | 5.8690% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2118% | 448 |
| Loan loss allowance to noncurrent loans | 123.4545% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 2.0835% | 1,925 |
| Noncurrent loans to loans | 2.6016% | 1,638 |
| Net loans and leases to total assets | 55.7829% | 4,351 |
| Net loans and leases to deposits | 63.0808% | 4,619 |
| Net loans and leases to core deposits | 73.2630% | 3,939 |
| Total domestic deposits to total assets | 88.4308% | 1,873 |
| Equity capital to assets | 10.2006% | 3,646 |
| Core capital (leverage) ratio | 10.1215% | 3,495 |
| Tier 1 risk-based capital ratio | 15.5105% | 3,467 |
| Total risk-based capital ratio | 16.7784% | 3,417 |
| Memoranda: | ||
| Average total assets | $156,041,250 | 3,650 |
| Average earning assets | $146,295,250 | 3,601 |
| Average equity | $14,952,500 | 3,923 |
| Average total loans | $88,271,250 | 3,754 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 5,933 |
| Cost of funding earning assets | 0.3242% | 5,625 |
| Net interest margin | 3.0647% | 5,380 |
| Noninterest income to average assets | 2.1741% | 398 |
| Noninterest expense to average assets | 3.7324% | 1,197 |
| Loan and lease loss provision to assets | 0.8169% | 260 |
| Net operating income to assets | 0.4034% | 5,206 |
| Return on assets (ROA) | 0.4034% | 5,370 |
| Pretax return on assets | 0.5002% | 5,380 |
| Return on Equity (ROE) | 4.2950% | 5,097 |
| Retained earnings to average equity (ytd only) | 4.2950% | 3,555 |
| Net charge-offs to loans | 2.1652% | 191 |
| Credit loss provision to net charge-offs | 67.0795% | 2,890 |
| Earnings coverage of net charge-offs (x) | 1.0815% | 4,168 |
| Efficiency ratio | 73.9174% | 3,151 |
| Assets per employee ($millions) | 6.1148% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2402% | 466 |
| Loan loss allowance to noncurrent loans | 113.7638% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 2.0197% | 2,135 |
| Noncurrent loans to loans | 2.8482% | 1,587 |
| Net loans and leases to total assets | 50.3010% | 5,076 |
| Net loans and leases to deposits | 56.2811% | 5,302 |
| Net loans and leases to core deposits | 67.1935% | 4,572 |
| Total domestic deposits to total assets | 89.3745% | 1,399 |
| Equity capital to assets | 9.2455% | 4,927 |
| Core capital (leverage) ratio | 9.4579% | 4,307 |
| Tier 1 risk-based capital ratio | 15.4794% | 3,492 |
| Total risk-based capital ratio | 16.7479% | 3,438 |
| Memoranda: | ||
| Average total assets | $159,146,330 | 3,628 |
| Average earning assets | $149,312,000 | 3,567 |
| Average equity | $14,947,670 | 3,954 |
| Average total loans | $89,507,000 | 3,738 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 5,800 |
| Cost of funding earning assets | 0.3349% | 5,677 |
| Net interest margin | 3.1295% | 5,164 |
| Noninterest income to average assets | 1.8288% | 492 |
| Noninterest expense to average assets | 3.7104% | 1,233 |
| Loan and lease loss provision to assets | 0.8792% | 228 |
| Net operating income to assets | 0.1884% | 5,927 |
| Return on assets (ROA) | 0.1884% | 6,041 |
| Pretax return on assets | 0.1733% | 6,128 |
| Return on Equity (ROE) | 1.9904% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.9904% | 5,007 |
| Net charge-offs to loans | 2.9827% | 116 |
| Credit loss provision to net charge-offs | 50.5051% | 2,590 |
| Earnings coverage of net charge-offs (x) | 0.6046% | 3,620 |
| Efficiency ratio | 77.9008% | 2,621 |
| Assets per employee ($millions) | 6.2232% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8222% | 802 |
| Loan loss allowance to noncurrent loans | 98.3327% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 2.3090% | 2,012 |
| Noncurrent loans to loans | 2.8701% | 1,765 |
| Net loans and leases to total assets | 56.4794% | 4,014 |
| Net loans and leases to deposits | 63.1258% | 4,401 |
| Net loans and leases to core deposits | 75.2495% | 3,428 |
| Total domestic deposits to total assets | 89.4712% | 1,372 |
| Equity capital to assets | 9.3286% | 5,096 |
| Core capital (leverage) ratio | 9.4016% | 4,235 |
| Tier 1 risk-based capital ratio | 13.8808% | 4,586 |
| Total risk-based capital ratio | 15.1454% | 4,540 |
| Memoranda: | ||
| Average total assets | $159,227,000 | 3,660 |
| Average earning assets | $149,287,000 | 3,608 |
| Average equity | $15,072,000 | 3,985 |
| Average total loans | $92,936,000 | 3,675 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 6,184 |
| Cost of funding earning assets | 0.3524% | 6,196 |
| Net interest margin | 3.2710% | 5,354 |
| Noninterest income to average assets | 2.2717% | 362 |
| Noninterest expense to average assets | 3.7597% | 1,315 |
| Loan and lease loss provision to assets | 1.6129% | 183 |
| Net operating income to assets | 0.0224% | 6,134 |
| Return on assets (ROA) | 0.0224% | 6,278 |
| Pretax return on assets | -0.0374% | 6,317 |
| Return on Equity (ROE) | 0.2193% | 6,274 |
| Retained earnings to average equity (ytd only) | 0.2193% | 5,737 |
| Net charge-offs to loans | 2.8901% | 186 |
| Credit loss provision to net charge-offs | 95.1904% | 3,267 |
| Earnings coverage of net charge-offs (x) | 0.9299% | 5,002 |
| Efficiency ratio | 70.4684% | 3,720 |
| Assets per employee ($millions) | 6.2660% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2636% | 524 |
| Loan loss allowance to noncurrent loans | 80.4348% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 3.0093% | 1,578 |
| Noncurrent loans to loans | 4.0574% | 1,150 |
| Net loans and leases to total assets | 56.7092% | 4,159 |
| Net loans and leases to deposits | 63.9303% | 4,540 |
| Net loans and leases to core deposits | 80.9519% | 2,888 |
| Total domestic deposits to total assets | 88.7048% | 1,765 |
| Equity capital to assets | 9.6074% | 4,736 |
| Core capital (leverage) ratio | 9.7481% | 3,729 |
| Tier 1 risk-based capital ratio | 14.2518% | 4,202 |
| Total risk-based capital ratio | 15.5213% | 4,144 |
| Memoranda: | ||
| Average total assets | $147,246,800 | 3,823 |
| Average earning assets | $137,908,000 | 3,757 |
| Average equity | $15,046,400 | 3,957 |
| Average total loans | $86,329,200 | 3,836 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 6,313 |
| Cost of funding earning assets | 0.3650% | 6,302 |
| Net interest margin | 3.2838% | 5,443 |
| Noninterest income to average assets | 2.3943% | 324 |
| Noninterest expense to average assets | 3.7782% | 1,249 |
| Loan and lease loss provision to assets | 2.0474% | 110 |
| Net operating income to assets | -0.2006% | 6,501 |
| Return on assets (ROA) | -0.2006% | 6,572 |
| Pretax return on assets | -0.3598% | 6,634 |
| Return on Equity (ROE) | -1.9319% | 6,562 |
| Retained earnings to average equity (ytd only) | -1.9319% | 6,387 |
| Net charge-offs to loans | 3.3414% | 147 |
| Credit loss provision to net charge-offs | 104.5092% | 2,821 |
| Earnings coverage of net charge-offs (x) | 0.8614% | 4,899 |
| Efficiency ratio | 69.1246% | 3,859 |
| Assets per employee ($millions) | 6.2262% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6154% | 422 |
| Loan loss allowance to noncurrent loans | 89.2004% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 3.3595% | 1,506 |
| Noncurrent loans to loans | 4.0531% | 1,253 |
| Net loans and leases to total assets | 57.3229% | 4,239 |
| Net loans and leases to deposits | 64.5250% | 4,658 |
| Net loans and leases to core deposits | 78.1121% | 3,442 |
| Total domestic deposits to total assets | 88.8382% | 1,520 |
| Equity capital to assets | 9.9331% | 4,601 |
| Core capital (leverage) ratio | 10.0837% | 3,427 |
| Tier 1 risk-based capital ratio | 14.3851% | 4,275 |
| Total risk-based capital ratio | 15.6589% | 4,222 |
| Memoranda: | ||
| Average total assets | $144,896,000 | 3,904 |
| Average earning assets | $135,529,750 | 3,843 |
| Average equity | $15,045,500 | 3,988 |
| Average total loans | $84,953,500 | 3,917 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7235% | 6,295 |
| Cost of funding earning assets | 0.3908% | 6,321 |
| Net interest margin | 3.3327% | 5,339 |
| Noninterest income to average assets | 2.6683% | 278 |
| Noninterest expense to average assets | 3.9349% | 1,028 |
| Loan and lease loss provision to assets | 1.3600% | 284 |
| Net operating income to assets | 0.3557% | 5,402 |
| Return on assets (ROA) | 0.3557% | 5,624 |
| Pretax return on assets | 0.4896% | 5,471 |
| Return on Equity (ROE) | 3.3746% | 5,535 |
| Retained earnings to average equity (ytd only) | 3.3746% | 4,360 |
| Net charge-offs to loans | 1.7335% | 514 |
| Credit loss provision to net charge-offs | 134.4828% | 2,045 |
| Earnings coverage of net charge-offs (x) | 1.8290% | 4,061 |
| Efficiency ratio | 68.0251% | 4,118 |
| Assets per employee ($millions) | 6.3283% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0605% | 328 |
| Loan loss allowance to noncurrent loans | 114.6408% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 2.8931% | 1,910 |
| Noncurrent loans to loans | 3.5420% | 1,619 |
| Net loans and leases to total assets | 54.6564% | 4,679 |
| Net loans and leases to deposits | 61.9075% | 5,010 |
| Net loans and leases to core deposits | 75.9072% | 3,774 |
| Total domestic deposits to total assets | 88.2873% | 1,964 |
| Equity capital to assets | 10.5152% | 3,668 |
| Core capital (leverage) ratio | 10.2174% | 3,120 |
| Tier 1 risk-based capital ratio | 15.8676% | 3,226 |
| Total risk-based capital ratio | 17.1459% | 3,187 |
| Memoranda: | ||
| Average total assets | $143,385,000 | 3,943 |
| Average earning assets | $134,067,330 | 3,885 |
| Average equity | $15,113,000 | 3,963 |
| Average total loans | $83,648,000 | 3,993 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 6,305 |
| Cost of funding earning assets | 0.4215% | 6,304 |
| Net interest margin | 3.3540% | 5,296 |
| Noninterest income to average assets | 2.8194% | 264 |
| Noninterest expense to average assets | 3.9887% | 951 |
| Loan and lease loss provision to assets | 1.4055% | 259 |
| Net operating income to assets | 0.4020% | 5,250 |
| Return on assets (ROA) | 0.4020% | 5,433 |
| Pretax return on assets | 0.5566% | 5,250 |
| Return on Equity (ROE) | 3.8090% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.8090% | 4,301 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0288% | 4,355 |
| Assets per employee ($millions) | 6.1298% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2856% | 295 |
| Loan loss allowance to noncurrent loans | 95.0828% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 3.7309% | 1,504 |
| Noncurrent loans to loans | 4.5072% | 1,295 |
| Net loans and leases to total assets | 57.2823% | 4,166 |
| Net loans and leases to deposits | 68.2296% | 4,021 |
| Net loans and leases to core deposits | 84.2707% | 2,515 |
| Total domestic deposits to total assets | 83.9551% | 4,513 |
| Equity capital to assets | 10.6869% | 3,285 |
| Core capital (leverage) ratio | 10.4074% | 2,866 |
| Tier 1 risk-based capital ratio | 15.7673% | 3,305 |
| Total risk-based capital ratio | 17.0491% | 3,254 |
| Memoranda: | ||
| Average total assets | $142,302,000 | 3,996 |
| Average earning assets | $132,857,000 | 3,927 |
| Average equity | $15,017,000 | 3,986 |
| Average total loans | $84,012,000 | 4,009 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 6,728 |
| Cost of funding earning assets | 0.4645% | 6,678 |
| Net interest margin | 3.3384% | 5,689 |
| Noninterest income to average assets | 1.9239% | 400 |
| Noninterest expense to average assets | 3.7350% | 1,468 |
| Loan and lease loss provision to assets | 0.8002% | 1,231 |
| Net operating income to assets | 0.3545% | 5,049 |
| Return on assets (ROA) | 0.3545% | 5,219 |
| Pretax return on assets | 0.4950% | 5,006 |
| Return on Equity (ROE) | 3.5891% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.5891% | 3,669 |
| Net charge-offs to loans | 1.2597% | 1,320 |
| Credit loss provision to net charge-offs | 116.6339% | 2,774 |
| Earnings coverage of net charge-offs (x) | 1.8878% | 4,363 |
| Efficiency ratio | 74.2516% | 3,183 |
| Assets per employee ($millions) | 6.2443% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7263% | 455 |
| Loan loss allowance to noncurrent loans | 156.7907% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 2.7559% | 2,203 |
| Noncurrent loans to loans | 2.3766% | 2,757 |
| Net loans and leases to total assets | 56.0731% | 4,684 |
| Net loans and leases to deposits | 67.9569% | 4,456 |
| Net loans and leases to core deposits | 85.5693% | 2,695 |
| Total domestic deposits to total assets | 82.5126% | 4,961 |
| Equity capital to assets | 10.4214% | 3,620 |
| Core capital (leverage) ratio | 10.2199% | 3,065 |
| Tier 1 risk-based capital ratio | 15.6888% | 3,217 |
| Total risk-based capital ratio | 16.9638% | 3,170 |
| Memoranda: | ||
| Average total assets | $148,085,400 | 3,834 |
| Average earning assets | $137,791,000 | 3,792 |
| Average equity | $14,627,600 | 3,982 |
| Average total loans | $80,654,400 | 4,125 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8078% | 6,832 |
| Cost of funding earning assets | 0.4698% | 6,816 |
| Net interest margin | 3.3380% | 5,746 |
| Noninterest income to average assets | 1.9758% | 388 |
| Noninterest expense to average assets | 3.7639% | 1,374 |
| Loan and lease loss provision to assets | 0.7462% | 1,279 |
| Net operating income to assets | 0.4021% | 4,992 |
| Return on assets (ROA) | 0.4021% | 5,176 |
| Pretax return on assets | 0.5701% | 4,908 |
| Return on Equity (ROE) | 4.1257% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.1257% | 3,793 |
| Net charge-offs to loans | 0.3604% | 3,287 |
| Credit loss provision to net charge-offs | 386.5741% | 730 |
| Earnings coverage of net charge-offs (x) | 6.8195% | 2,479 |
| Efficiency ratio | 74.0897% | 3,164 |
| Assets per employee ($millions) | 5.8399% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4785% | 271 |
| Loan loss allowance to noncurrent loans | 199.0513% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 2.9302% | 2,197 |
| Noncurrent loans to loans | 2.2499% | 3,053 |
| Net loans and leases to total assets | 52.1113% | 5,434 |
| Net loans and leases to deposits | 62.9429% | 5,297 |
| Net loans and leases to core deposits | 79.0583% | 3,762 |
| Total domestic deposits to total assets | 82.7914% | 4,761 |
| Equity capital to assets | 10.2242% | 4,053 |
| Core capital (leverage) ratio | 9.9398% | 3,518 |
| Tier 1 risk-based capital ratio | 16.3169% | 2,959 |
| Total risk-based capital ratio | 17.6001% | 2,911 |
| Memoranda: | ||
| Average total assets | $149,202,250 | 3,838 |
| Average earning assets | $138,763,750 | 3,790 |
| Average equity | $14,542,750 | 4,022 |
| Average total loans | $79,906,000 | 4,175 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6517% | 7,057 |
| Cost of funding earning assets | 0.4654% | 6,968 |
| Net interest margin | 3.1863% | 6,208 |
| Noninterest income to average assets | 1.8779% | 394 |
| Noninterest expense to average assets | 3.8304% | 1,307 |
| Loan and lease loss provision to assets | 0.7120% | 1,322 |
| Net operating income to assets | 0.2209% | 5,665 |
| Return on assets (ROA) | 0.2209% | 5,782 |
| Pretax return on assets | 0.2968% | 5,678 |
| Return on Equity (ROE) | 2.3032% | 5,679 |
| Retained earnings to average equity (ytd only) | 2.3032% | 4,827 |
| Net charge-offs to loans | 0.5176% | 2,547 |
| Credit loss provision to net charge-offs | 258.4541% | 1,174 |
| Earnings coverage of net charge-offs (x) | 3.6618% | 3,086 |
| Efficiency ratio | 79.1529% | 2,529 |
| Assets per employee ($millions) | 6.1087% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9359% | 435 |
| Loan loss allowance to noncurrent loans | 118.9975% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 3.3620% | 1,966 |
| Noncurrent loans to loans | 3.3076% | 2,160 |
| Net loans and leases to total assets | 54.5380% | 5,218 |
| Net loans and leases to deposits | 65.9032% | 5,016 |
| Net loans and leases to core deposits | 83.1474% | 3,344 |
| Total domestic deposits to total assets | 82.7547% | 4,873 |
| Equity capital to assets | 10.0322% | 4,103 |
| Core capital (leverage) ratio | 9.1892% | 4,430 |
| Tier 1 risk-based capital ratio | 15.0343% | 3,476 |
| Total risk-based capital ratio | 16.3104% | 3,431 |
| Memoranda: | ||
| Average total assets | $150,270,670 | 3,843 |
| Average earning assets | $139,660,330 | 3,796 |
| Average equity | $14,414,670 | 4,036 |
| Average total loans | $79,992,000 | 4,216 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5052% | 7,207 |
| Cost of funding earning assets | 0.4615% | 7,085 |
| Net interest margin | 3.0437% | 6,476 |
| Noninterest income to average assets | 1.8935% | 392 |
| Noninterest expense to average assets | 3.8711% | 1,219 |
| Loan and lease loss provision to assets | 0.6838% | 1,239 |
| Net operating income to assets | 0.1341% | 5,993 |
| Return on assets (ROA) | 0.1341% | 6,050 |
| Pretax return on assets | 0.1657% | 6,015 |
| Return on Equity (ROE) | 1.4298% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.4298% | 5,248 |
| Net charge-offs to loans | -0.1021% | 7,093 |
| Credit loss provision to net charge-offs | -1,300.0000% | 6,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0056% | 2,228 |
| Assets per employee ($millions) | 6.4628% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9889% | 422 |
| Loan loss allowance to noncurrent loans | 87.8367% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 3.7730% | 1,792 |
| Noncurrent loans to loans | 4.5413% | 1,535 |
| Net loans and leases to total assets | 48.0881% | 6,065 |
| Net loans and leases to deposits | 55.8815% | 6,138 |
| Net loans and leases to core deposits | 68.2778% | 5,258 |
| Total domestic deposits to total assets | 86.0537% | 3,492 |
| Equity capital to assets | 8.8537% | 5,412 |
| Core capital (leverage) ratio | 9.7080% | 3,508 |
| Tier 1 risk-based capital ratio | 15.3562% | 3,231 |
| Total risk-based capital ratio | 16.6328% | 3,179 |
| Memoranda: | ||
| Average total assets | $152,102,000 | 3,847 |
| Average earning assets | $141,277,000 | 3,797 |
| Average equity | $14,268,000 | 4,059 |
| Average total loans | $78,371,500 | 4,316 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 7,162 |
| Cost of funding earning assets | 0.5215% | 7,269 |
| Net interest margin | 3.4360% | 5,490 |
| Noninterest income to average assets | 1.9897% | 400 |
| Noninterest expense to average assets | 4.0300% | 1,121 |
| Loan and lease loss provision to assets | 0.9243% | 1,768 |
| Net operating income to assets | 0.1820% | 5,332 |
| Return on assets (ROA) | 0.2533% | 5,249 |
| Pretax return on assets | 0.3382% | 5,114 |
| Return on Equity (ROE) | 2.6048% | 5,128 |
| Retained earnings to average equity (ytd only) | 2.6048% | 4,039 |
| Net charge-offs to loans | 1.5055% | 1,462 |
| Credit loss provision to net charge-offs | 108.6957% | 4,061 |
| Earnings coverage of net charge-offs (x) | 1.3728% | 4,734 |
| Efficiency ratio | 77.5392% | 2,783 |
| Assets per employee ($millions) | 5.7054% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8882% | 439 |
| Loan loss allowance to noncurrent loans | 90.8475% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 3.9724% | 1,712 |
| Noncurrent loans to loans | 4.2799% | 1,690 |
| Net loans and leases to total assets | 51.0895% | 6,037 |
| Net loans and leases to deposits | 60.5915% | 5,990 |
| Net loans and leases to core deposits | 78.4208% | 4,405 |
| Total domestic deposits to total assets | 84.3179% | 4,218 |
| Equity capital to assets | 9.9773% | 3,771 |
| Core capital (leverage) ratio | 9.9634% | 3,134 |
| Tier 1 risk-based capital ratio | 15.8464% | 2,818 |
| Total risk-based capital ratio | 17.1212% | 2,768 |
| Memoranda: | ||
| Average total assets | $146,054,600 | 3,945 |
| Average earning assets | $136,349,400 | 3,891 |
| Average equity | $14,204,400 | 4,104 |
| Average total loans | $82,499,800 | 4,261 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9878% | 7,287 |
| Cost of funding earning assets | 0.5197% | 7,421 |
| Net interest margin | 3.4681% | 5,421 |
| Noninterest income to average assets | 1.8959% | 410 |
| Noninterest expense to average assets | 4.0405% | 1,003 |
| Loan and lease loss provision to assets | 0.8849% | 1,719 |
| Net operating income to assets | 0.1759% | 5,573 |
| Return on assets (ROA) | 0.1634% | 5,764 |
| Pretax return on assets | 0.2015% | 5,731 |
| Return on Equity (ROE) | 1.6903% | 5,707 |
| Retained earnings to average equity (ytd only) | 1.6903% | 5,114 |
| Net charge-offs to loans | 0.8079% | 2,431 |
| Credit loss provision to net charge-offs | 191.1765% | 1,878 |
| Earnings coverage of net charge-offs (x) | 2.3804% | 3,985 |
| Efficiency ratio | 78.5739% | 2,547 |
| Assets per employee ($millions) | 5.9852% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1549% | 325 |
| Loan loss allowance to noncurrent loans | 61.1132% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 4.3949% | 1,547 |
| Noncurrent loans to loans | 6.7987% | 852 |
| Net loans and leases to total assets | 53.0753% | 5,976 |
| Net loans and leases to deposits | 61.1804% | 6,196 |
| Net loans and leases to core deposits | 86.1411% | 3,630 |
| Total domestic deposits to total assets | 86.7521% | 2,665 |
| Equity capital to assets | 10.0776% | 4,057 |
| Core capital (leverage) ratio | 9.2067% | 4,357 |
| Tier 1 risk-based capital ratio | 15.9105% | 2,804 |
| Total risk-based capital ratio | 17.1908% | 2,738 |
| Memoranda: | ||
| Average total assets | $146,909,750 | 3,983 |
| Average earning assets | $137,515,250 | 3,911 |
| Average equity | $14,197,750 | 4,160 |
| Average total loans | $84,170,000 | 4,279 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 7,293 |
| Cost of funding earning assets | 0.5140% | 7,526 |
| Net interest margin | 3.5746% | 4,925 |
| Noninterest income to average assets | 2.1298% | 321 |
| Noninterest expense to average assets | 3.9974% | 1,053 |
| Loan and lease loss provision to assets | 1.0811% | 1,330 |
| Net operating income to assets | 0.2940% | 5,202 |
| Return on assets (ROA) | 0.2770% | 5,421 |
| Pretax return on assets | 0.3743% | 5,295 |
| Return on Equity (ROE) | 2.9068% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.9068% | 4,287 |
| Net charge-offs to loans | -0.3943% | 7,712 |
| Credit loss provision to net charge-offs | -473.3728% | 6,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0010% | 3,660 |
| Assets per employee ($millions) | 5.7484% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6841% | 226 |
| Loan loss allowance to noncurrent loans | 83.0934% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 4.1765% | 1,616 |
| Noncurrent loans to loans | 5.6372% | 1,163 |
| Net loans and leases to total assets | 53.9340% | 5,991 |
| Net loans and leases to deposits | 70.4586% | 5,213 |
| Net loans and leases to core deposits | 112.9673% | 980 |
| Total domestic deposits to total assets | 76.5470% | 6,594 |
| Equity capital to assets | 9.9528% | 4,076 |
| Core capital (leverage) ratio | 9.6907% | 3,551 |
| Tier 1 risk-based capital ratio | 15.3523% | 2,979 |
| Total risk-based capital ratio | 16.6380% | 2,925 |
| Memoranda: | ||
| Average total assets | $147,998,000 | 3,997 |
| Average earning assets | $138,532,330 | 3,930 |
| Average equity | $14,105,000 | 4,178 |
| Average total loans | $85,711,670 | 4,262 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 7,275 |
| Cost of funding earning assets | 0.5203% | 7,646 |
| Net interest margin | 3.6706% | 4,393 |
| Noninterest income to average assets | 2.4004% | 265 |
| Noninterest expense to average assets | 3.9722% | 1,071 |
| Loan and lease loss provision to assets | 1.3321% | 899 |
| Net operating income to assets | 0.3843% | 4,910 |
| Return on assets (ROA) | 0.3517% | 5,191 |
| Pretax return on assets | 0.4902% | 4,997 |
| Return on Equity (ROE) | 3.7698% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.7698% | 3,884 |
| Net charge-offs to loans | -0.7508% | 7,834 |
| Credit loss provision to net charge-offs | -303.0303% | 6,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0201% | 4,719 |
| Assets per employee ($millions) | 5.9000% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1163% | 337 |
| Loan loss allowance to noncurrent loans | 56.1519% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 5.1932% | 1,219 |
| Noncurrent loans to loans | 7.3307% | 792 |
| Net loans and leases to total assets | 55.3515% | 5,836 |
| Net loans and leases to deposits | 73.9629% | 4,746 |
| Net loans and leases to core deposits | 123.0245% | 672 |
| Total domestic deposits to total assets | 74.8368% | 6,927 |
| Equity capital to assets | 9.5884% | 4,390 |
| Core capital (leverage) ratio | 9.3306% | 3,997 |
| Tier 1 risk-based capital ratio | 14.6989% | 3,257 |
| Total risk-based capital ratio | 15.9792% | 3,204 |
| Memoranda: | ||
| Average total assets | $150,142,500 | 4,002 |
| Average earning assets | $140,684,000 | 3,947 |
| Average equity | $14,006,000 | 4,242 |
| Average total loans | $87,909,000 | 4,261 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 7,728 |
| Cost of funding earning assets | 0.8609% | 7,471 |
| Net interest margin | 3.0549% | 6,505 |
| Noninterest income to average assets | 1.0352% | 1,454 |
| Noninterest expense to average assets | 3.3227% | 2,935 |
| Loan and lease loss provision to assets | 1.1797% | 1,954 |
| Net operating income to assets | -0.3521% | 6,032 |
| Return on assets (ROA) | -0.3521% | 6,021 |
| Pretax return on assets | -0.5745% | 6,072 |
| Return on Equity (ROE) | -4.4677% | 6,157 |
| Retained earnings to average equity (ytd only) | -4.4677% | 5,938 |
| Net charge-offs to loans | 0.8549% | 2,689 |
| Credit loss provision to net charge-offs | 247.2188% | 1,440 |
| Earnings coverage of net charge-offs (x) | 1.2682% | 4,860 |
| Efficiency ratio | 84.5923% | 2,283 |
| Assets per employee ($millions) | 6.1114% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1323% | 689 |
| Loan loss allowance to noncurrent loans | 44.0447% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 5.1484% | 1,171 |
| Noncurrent loans to loans | 7.1116% | 779 |
| Net loans and leases to total assets | 57.4857% | 5,742 |
| Net loans and leases to deposits | 75.8854% | 4,761 |
| Net loans and leases to core deposits | 86.1432% | 5,506 |
| Total domestic deposits to total assets | 75.7534% | 6,731 |
| Equity capital to assets | 9.0775% | 5,017 |
| Core capital (leverage) ratio | 8.8568% | 4,671 |
| Tier 1 risk-based capital ratio | 13.5773% | 3,776 |
| Total risk-based capital ratio | 14.8459% | 3,700 |
| Memoranda: | ||
| Average total assets | $169,532,400 | 3,624 |
| Average earning assets | $160,527,200 | 3,510 |
| Average equity | $13,362,600 | 4,416 |
| Average total loans | $94,627,000 | 4,092 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 7,852 |
| Cost of funding earning assets | 0.9309% | 7,514 |
| Net interest margin | 2.9228% | 6,795 |
| Noninterest income to average assets | 1.2802% | 939 |
| Noninterest expense to average assets | 3.2366% | 3,170 |
| Loan and lease loss provision to assets | 1.3048% | 1,477 |
| Net operating income to assets | -0.2955% | 6,190 |
| Return on assets (ROA) | -0.2955% | 6,211 |
| Pretax return on assets | -0.4874% | 6,278 |
| Return on Equity (ROE) | -3.8782% | 6,332 |
| Retained earnings to average equity (ytd only) | -3.8782% | 6,095 |
| Net charge-offs to loans | 0.3667% | 3,818 |
| Credit loss provision to net charge-offs | 646.3878% | 579 |
| Earnings coverage of net charge-offs (x) | 4.0494% | 3,284 |
| Efficiency ratio | 79.8372% | 2,871 |
| Assets per employee ($millions) | 5.8381% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3122% | 499 |
| Loan loss allowance to noncurrent loans | 51.7959% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 5.3606% | 1,079 |
| Noncurrent loans to loans | 6.3947% | 905 |
| Net loans and leases to total assets | 61.7219% | 5,286 |
| Net loans and leases to deposits | 82.9268% | 3,841 |
| Net loans and leases to core deposits | 83.8062% | 6,053 |
| Total domestic deposits to total assets | 74.4294% | 6,874 |
| Equity capital to assets | 9.7381% | 4,438 |
| Core capital (leverage) ratio | 8.2258% | 5,972 |
| Tier 1 risk-based capital ratio | 13.4416% | 3,899 |
| Total risk-based capital ratio | 14.7121% | 3,817 |
| Memoranda: | ||
| Average total assets | $173,719,500 | 3,556 |
| Average earning assets | $164,858,000 | 3,464 |
| Average equity | $13,236,000 | 4,478 |
| Average total loans | $95,616,500 | 4,093 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6140% | 8,011 |
| Cost of funding earning assets | 1.0119% | 7,531 |
| Net interest margin | 2.6020% | 7,358 |
| Noninterest income to average assets | 1.4046% | 765 |
| Noninterest expense to average assets | 2.9917% | 4,118 |
| Loan and lease loss provision to assets | 0.7105% | 2,298 |
| Net operating income to assets | 0.1443% | 5,433 |
| Return on assets (ROA) | 0.1443% | 5,529 |
| Pretax return on assets | 0.1814% | 5,510 |
| Return on Equity (ROE) | 2.0449% | 5,283 |
| Retained earnings to average equity (ytd only) | 2.0449% | 4,205 |
| Net charge-offs to loans | -0.0104% | 7,609 |
| Credit loss provision to net charge-offs | -13,000.0000% | 7,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0335% | 3,509 |
| Assets per employee ($millions) | 6.5054% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3760% | 1,018 |
| Loan loss allowance to noncurrent loans | 81.2125% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.7881% | 2,305 |
| Noncurrent loans to loans | 2.9257% | 2,459 |
| Net loans and leases to total assets | 60.6315% | 5,578 |
| Net loans and leases to deposits | 84.1548% | 3,851 |
| Net loans and leases to core deposits | 85.0163% | 6,012 |
| Total domestic deposits to total assets | 72.0477% | 7,236 |
| Equity capital to assets | 8.2278% | 6,449 |
| Core capital (leverage) ratio | 6.4205% | 7,831 |
| Tier 1 risk-based capital ratio | 11.8093% | 5,094 |
| Total risk-based capital ratio | 13.0696% | 4,998 |
| Memoranda: | ||
| Average total assets | $182,975,000 | 3,439 |
| Average earning assets | $174,324,330 | 3,340 |
| Average equity | $12,910,330 | 4,571 |
| Average total loans | $96,431,670 | 4,104 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3801% | 8,108 |
| Cost of funding earning assets | 0.9840% | 7,694 |
| Net interest margin | 2.3961% | 7,620 |
| Noninterest income to average assets | 1.3300% | 809 |
| Noninterest expense to average assets | 2.6619% | 5,175 |
| Loan and lease loss provision to assets | 0.7128% | 1,795 |
| Net operating income to assets | 0.1853% | 5,700 |
| Return on assets (ROA) | 0.1853% | 5,876 |
| Pretax return on assets | 0.2464% | 5,834 |
| Return on Equity (ROE) | 2.8124% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.8124% | 4,311 |
| Net charge-offs to loans | -0.0125% | 7,324 |
| Credit loss provision to net charge-offs | -11,666.6667% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5096% | 3,913 |
| Assets per employee ($millions) | 8.0693% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1463% | 1,150 |
| Loan loss allowance to noncurrent loans | 69.9511% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.2606% | 2,536 |
| Noncurrent loans to loans | 3.0682% | 2,118 |
| Net loans and leases to total assets | 47.1314% | 7,090 |
| Net loans and leases to deposits | 92.0084% | 2,602 |
| Net loans and leases to core deposits | 92.1384% | 5,334 |
| Total domestic deposits to total assets | 51.2251% | 8,091 |
| Equity capital to assets | 6.7137% | 7,804 |
| Core capital (leverage) ratio | 6.0140% | 8,003 |
| Tier 1 risk-based capital ratio | 12.2389% | 4,759 |
| Total risk-based capital ratio | 13.4973% | 4,656 |
| Memoranda: | ||
| Average total assets | $196,397,500 | 3,280 |
| Average earning assets | $187,803,000 | 3,190 |
| Average equity | $12,942,500 | 4,590 |
| Average total loans | $96,163,500 | 4,140 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 7,815 |
| Cost of funding earning assets | 2.0062% | 6,396 |
| Net interest margin | 3.0312% | 6,832 |
| Noninterest income to average assets | 1.4884% | 632 |
| Noninterest expense to average assets | 2.9510% | 4,255 |
| Loan and lease loss provision to assets | 0.6891% | 2,121 |
| Net operating income to assets | 0.4346% | 5,015 |
| Return on assets (ROA) | 0.4346% | 4,838 |
| Pretax return on assets | 0.6386% | 4,577 |
| Return on Equity (ROE) | 6.5555% | 3,727 |
| Retained earnings to average equity (ytd only) | 5.6355% | 1,697 |
| Net charge-offs to loans | 0.5196% | 2,287 |
| Credit loss provision to net charge-offs | 251.0684% | 1,854 |
| Earnings coverage of net charge-offs (x) | 4.8376% | 3,840 |
| Efficiency ratio | 68.9693% | 4,545 |
| Assets per employee ($millions) | 8.6579% | 377 |
| Cash dividends to net income (ytd only)* | 14.0351% | 4,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6648% | 2,014 |
| Loan loss allowance to noncurrent loans | 739.4619% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 4,667 |
| Noncurrent loans to loans | 0.2251% | 6,711 |
| Net loans and leases to total assets | 48.9123% | 7,110 |
| Net loans and leases to deposits | 106.0263% | 1,120 |
| Net loans and leases to core deposits | 106.3040% | 4,160 |
| Total domestic deposits to total assets | 46.1322% | 8,150 |
| Equity capital to assets | 6.4696% | 7,948 |
| Core capital (leverage) ratio | 5.8179% | 8,129 |
| Tier 1 risk-based capital ratio | 11.1067% | 5,636 |
| Total risk-based capital ratio | 12.3671% | 5,508 |
| Memoranda: | ||
| Average total assets | $170,517,200 | 3,547 |
| Average earning assets | $156,967,200 | 3,530 |
| Average equity | $11,303,400 | 5,039 |
| Average total loans | $90,072,200 | 4,224 |