Home > Cornerstone Bank > Performance and Condition Ratios
Cornerstone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 1,789 |
| Cost of funding earning assets | 2.7640% | 220 |
| Net interest margin | 2.3679% | 4,208 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 1.5656% | 4,275 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7155% | 3,147 |
| Return on assets (ROA) | 0.7003% | 3,168 |
| Pretax return on assets | 0.7283% | 3,378 |
| Return on Equity (ROE) | 8.0600% | 3,003 |
| Retained earnings to average equity (ytd only) | 2.1125% | 3,556 |
| Net charge-offs to loans | -0.0602% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.2918% | 2,195 |
| Assets per employee ($millions) | 13.3080% | 305 |
| Cash dividends to net income (ytd only)* | 73.7905% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,371 |
| 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 | 85.3700% | 188 |
| Net loans and leases to deposits | 114.3489% | 131 |
| Net loans and leases to core deposits | 125.6827% | 493 |
| Total domestic deposits to total assets | 74.6600% | 4,054 |
| Equity capital to assets | 8.6309% | 2,945 |
| Core capital (leverage) ratio | 9.1651% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $410,260,400 | 1,982 |
| Average earning assets | $399,892,800 | 1,909 |
| Average equity | $35,645,800 | 2,026 |
| Average total loans | $355,238,400 | 1,595 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 1,683 |
| Cost of funding earning assets | 2.6335% | 223 |
| Net interest margin | 2.4400% | 4,194 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 1.6038% | 4,238 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.6937% | 3,337 |
| Return on assets (ROA) | 0.6733% | 3,369 |
| Pretax return on assets | 0.6992% | 3,554 |
| Return on Equity (ROE) | 7.7400% | 3,254 |
| Retained earnings to average equity (ytd only) | 1.9113% | 3,741 |
| Net charge-offs to loans | -0.0227% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.0784% | 2,133 |
| Assets per employee ($millions) | 12.4933% | 335 |
| Cash dividends to net income (ytd only)* | 75.2924% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 2,277 |
| 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 | 85.8800% | 164 |
| Net loans and leases to deposits | 128.6102% | 45 |
| Net loans and leases to core deposits | 135.2746% | 276 |
| Total domestic deposits to total assets | 66.7700% | 4,392 |
| Equity capital to assets | 8.6623% | 2,621 |
| Core capital (leverage) ratio | 9.0742% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $406,361,750 | 1,992 |
| Average earning assets | $396,214,750 | 1,917 |
| Average equity | $35,368,500 | 2,031 |
| Average total loans | $352,069,500 | 1,605 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 1,567 |
| Cost of funding earning assets | 2.4413% | 217 |
| Net interest margin | 2.5579% | 4,153 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 1.5990% | 4,259 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.7197% | 3,303 |
| Return on assets (ROA) | 0.6904% | 3,362 |
| Pretax return on assets | 0.7147% | 3,574 |
| Return on Equity (ROE) | 7.9200% | 3,253 |
| Retained earnings to average equity (ytd only) | 2.9444% | 3,492 |
| Net charge-offs to loans | -0.0669% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1596% | 2,465 |
| Assets per employee ($millions) | 13.7269% | 252 |
| Cash dividends to net income (ytd only)* | 62.8223% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 1,780 |
| 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 | 85.6700% | 169 |
| Net loans and leases to deposits | 125.7046% | 67 |
| Net loans and leases to core deposits | 131.7262% | 305 |
| Total domestic deposits to total assets | 68.1500% | 4,406 |
| Equity capital to assets | 8.5591% | 2,813 |
| Core capital (leverage) ratio | 8.9462% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $404,389,000 | 2,000 |
| Average earning assets | $394,384,000 | 1,928 |
| Average equity | $35,253,667 | 2,052 |
| Average total loans | $349,956,000 | 1,601 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 1,162 |
| Cost of funding earning assets | 2.2023% | 195 |
| Net interest margin | 2.8338% | 3,896 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.6093% | 4,297 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.9517% | 2,686 |
| Return on assets (ROA) | 0.8975% | 2,823 |
| Pretax return on assets | 0.9244% | 3,176 |
| Return on Equity (ROE) | 10.2000% | 2,726 |
| Retained earnings to average equity (ytd only) | 10.1994% | 1,648 |
| Net charge-offs to loans | -0.0035% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.7464% | 3,101 |
| Assets per employee ($millions) | 14.9119% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,050 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,221 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 85.2900% | 171 |
| Net loans and leases to deposits | 123.4317% | 63 |
| Net loans and leases to core deposits | 129.8731% | 278 |
| Total domestic deposits to total assets | 69.1000% | 4,442 |
| Equity capital to assets | 8.9009% | 2,593 |
| Core capital (leverage) ratio | 9.2403% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $400,680,500 | 2,039 |
| Average earning assets | $379,422,000 | 1,999 |
| Average equity | $35,257,000 | 2,072 |
| Average total loans | $346,159,500 | 1,628 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4629% | 775 |
| Cost of funding earning assets | 0.6258% | 805 |
| Net interest margin | 3.8371% | 1,089 |
| Noninterest income to average assets | -0.1900% | 4,703 |
| Noninterest expense to average assets | 1.6541% | 4,241 |
| Loan and lease loss provision to assets | 0.5300% | 108 |
| Net operating income to assets | 1.3130% | 1,383 |
| Return on assets (ROA) | 1.3055% | 1,370 |
| Pretax return on assets | 1.3651% | 1,880 |
| Return on Equity (ROE) | 14.7400% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.3359% | 2,090 |
| Net charge-offs to loans | 0.5844% | 123 |
| Credit loss provision to net charge-offs | 105.2802% | 1,524 |
| Earnings coverage of net charge-offs (x) | 3.7947% | 2,447 |
| Efficiency ratio | 46.5386% | 4,316 |
| Assets per employee ($millions) | 13.7497% | 261 |
| Cash dividends to net income (ytd only)* | 50.2170% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,074 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 2,248 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 85.2900% | 198 |
| Net loans and leases to deposits | 109.4162% | 167 |
| Net loans and leases to core deposits | 115.0081% | 461 |
| Total domestic deposits to total assets | 77.9500% | 4,100 |
| Equity capital to assets | 8.6966% | 2,563 |
| Core capital (leverage) ratio | 9.3661% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $370,659,000 | 2,142 |
| Average earning assets | $361,626,800 | 2,062 |
| Average equity | $32,838,400 | 2,204 |
| Average total loans | $317,572,400 | 1,647 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 704 |
| Cost of funding earning assets | 0.4108% | 1,219 |
| Net interest margin | 3.9084% | 787 |
| Noninterest income to average assets | -0.3300% | 4,744 |
| Noninterest expense to average assets | 1.6983% | 4,153 |
| Loan and lease loss provision to assets | 0.7700% | 59 |
| Net operating income to assets | 0.9719% | 2,585 |
| Return on assets (ROA) | 0.9617% | 2,592 |
| Pretax return on assets | 1.0068% | 2,994 |
| Return on Equity (ROE) | 10.8000% | 2,467 |
| Retained earnings to average equity (ytd only) | 0.7947% | 4,248 |
| Net charge-offs to loans | 0.8214% | 64 |
| Credit loss provision to net charge-offs | 109.1906% | 1,278 |
| Earnings coverage of net charge-offs (x) | 2.5410% | 2,241 |
| Efficiency ratio | 48.7682% | 4,228 |
| Assets per employee ($millions) | 12.4782% | 339 |
| Cash dividends to net income (ytd only)* | 92.6420% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 1,699 |
| Loan loss allowance to noncurrent loans | 262.5222% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 1,198 |
| Noncurrent loans to loans | 0.5233% | 1,491 |
| Net loans and leases to total assets | 85.0400% | 181 |
| Net loans and leases to deposits | 105.0755% | 208 |
| Net loans and leases to core deposits | 108.3209% | 524 |
| Total domestic deposits to total assets | 80.9300% | 3,992 |
| Equity capital to assets | 8.6465% | 2,443 |
| Core capital (leverage) ratio | 9.1678% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $363,638,750 | 2,176 |
| Average earning assets | $354,745,000 | 2,103 |
| Average equity | $32,378,750 | 2,259 |
| Average total loans | $310,858,500 | 1,667 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 588 |
| Cost of funding earning assets | 0.3016% | 1,697 |
| Net interest margin | 3.9321% | 577 |
| Noninterest income to average assets | -0.2716% | 4,763 |
| Noninterest expense to average assets | 1.7030% | 4,147 |
| Loan and lease loss provision to assets | 1.0765% | 42 |
| Net operating income to assets | 0.7426% | 3,166 |
| Return on assets (ROA) | 0.7426% | 3,123 |
| Pretax return on assets | 0.7793% | 3,375 |
| Return on Equity (ROE) | 8.2576% | 2,950 |
| Retained earnings to average equity (ytd only) | -3.1869% | 4,463 |
| Net charge-offs to loans | 1.2193% | 50 |
| Credit loss provision to net charge-offs | 103.5810% | 1,255 |
| Earnings coverage of net charge-offs (x) | 1.7857% | 2,053 |
| Efficiency ratio | 47.8539% | 4,350 |
| Assets per employee ($millions) | 11.9128% | 391 |
| Cash dividends to net income (ytd only)* | 138.5939% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,873 |
| Loan loss allowance to noncurrent loans | 328.3979% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 488 |
| Noncurrent loans to loans | 0.4181% | 1,863 |
| Net loans and leases to total assets | 84.1314% | 185 |
| Net loans and leases to deposits | 98.2823% | 332 |
| Net loans and leases to core deposits | 102.0090% | 591 |
| Total domestic deposits to total assets | 85.6018% | 3,350 |
| Equity capital to assets | 8.6827% | 2,628 |
| Core capital (leverage) ratio | 9.2390% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $360,069,667 | 2,199 |
| Average earning assets | $350,752,333 | 2,135 |
| Average equity | $32,382,333 | 2,302 |
| Average total loans | $306,886,333 | 1,684 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1474% | 577 |
| Cost of funding earning assets | 0.2612% | 2,033 |
| Net interest margin | 3.8863% | 520 |
| Noninterest income to average assets | -0.2735% | 4,787 |
| Noninterest expense to average assets | 1.6913% | 4,145 |
| Loan and lease loss provision to assets | 0.8440% | 47 |
| Net operating income to assets | 0.9273% | 2,168 |
| Return on assets (ROA) | 0.9273% | 2,160 |
| Pretax return on assets | 0.9756% | 2,518 |
| Return on Equity (ROE) | 10.1288% | 1,919 |
| Retained earnings to average equity (ytd only) | -1.4751% | 4,194 |
| Net charge-offs to loans | 0.7978% | 87 |
| Credit loss provision to net charge-offs | 124.1722% | 921 |
| Earnings coverage of net charge-offs (x) | 2.6772% | 1,698 |
| Efficiency ratio | 48.1731% | 4,395 |
| Assets per employee ($millions) | 12.7197% | 327 |
| Cash dividends to net income (ytd only)* | 114.5631% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 1,728 |
| Loan loss allowance to noncurrent loans | 175.8084% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 260 |
| Noncurrent loans to loans | 0.8223% | 1,146 |
| Net loans and leases to total assets | 84.2960% | 79 |
| Net loans and leases to deposits | 95.4173% | 299 |
| Net loans and leases to core deposits | 98.8893% | 543 |
| Total domestic deposits to total assets | 88.3446% | 2,363 |
| Equity capital to assets | 9.2385% | 2,493 |
| Core capital (leverage) ratio | 9.4139% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,456,500 | 2,234 |
| Average earning assets | $346,141,500 | 2,161 |
| Average equity | $32,541,000 | 2,356 |
| Average total loans | $302,820,000 | 1,693 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 601 |
| Cost of funding earning assets | 0.2785% | 2,616 |
| Net interest margin | 4.2272% | 469 |
| Noninterest income to average assets | 0.0715% | 4,679 |
| Noninterest expense to average assets | 1.5723% | 4,457 |
| Loan and lease loss provision to assets | 1.0116% | 33 |
| Net operating income to assets | 1.5067% | 996 |
| Return on assets (ROA) | 1.5257% | 1,004 |
| Pretax return on assets | 1.5953% | 1,436 |
| Return on Equity (ROE) | 17.7734% | 485 |
| Retained earnings to average equity (ytd only) | 5.4722% | 2,577 |
| Net charge-offs to loans | 0.7434% | 101 |
| Credit loss provision to net charge-offs | 158.1836% | 1,460 |
| Earnings coverage of net charge-offs (x) | 4.0454% | 2,509 |
| Efficiency ratio | 37.8011% | 4,725 |
| Assets per employee ($millions) | 13.6447% | 265 |
| Cash dividends to net income (ytd only)* | 69.2115% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,868 |
| Loan loss allowance to noncurrent loans | 173.7959% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 276 |
| Noncurrent loans to loans | 0.8139% | 1,251 |
| Net loans and leases to total assets | 83.6496% | 121 |
| Net loans and leases to deposits | 105.0947% | 119 |
| Net loans and leases to core deposits | 109.2649% | 297 |
| Total domestic deposits to total assets | 79.5945% | 4,256 |
| Equity capital to assets | 9.0706% | 3,548 |
| Core capital (leverage) ratio | 9.5296% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,361,200 | 2,376 |
| Average earning assets | $303,036,200 | 2,322 |
| Average equity | $26,899,800 | 2,731 |
| Average total loans | $269,577,800 | 1,838 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 549 |
| Cost of funding earning assets | 0.2978% | 2,612 |
| Net interest margin | 4.3215% | 432 |
| Noninterest income to average assets | 0.0752% | 4,742 |
| Noninterest expense to average assets | 1.6021% | 4,464 |
| Loan and lease loss provision to assets | 1.0429% | 34 |
| Net operating income to assets | 1.5293% | 1,196 |
| Return on assets (ROA) | 1.5555% | 1,180 |
| Pretax return on assets | 1.6272% | 1,617 |
| Return on Equity (ROE) | 18.4254% | 576 |
| Retained earnings to average equity (ytd only) | 5.4416% | 3,056 |
| Net charge-offs to loans | 0.5471% | 144 |
| Credit loss provision to net charge-offs | 220.6704% | 1,161 |
| Earnings coverage of net charge-offs (x) | 5.5922% | 2,219 |
| Efficiency ratio | 37.7423% | 4,777 |
| Assets per employee ($millions) | 13.2834% | 282 |
| Cash dividends to net income (ytd only)* | 70.4668% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 1,484 |
| Loan loss allowance to noncurrent loans | 178.0844% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.6143% | 292 |
| Noncurrent loans to loans | 0.8652% | 1,332 |
| Net loans and leases to total assets | 84.4381% | 105 |
| Net loans and leases to deposits | 105.3417% | 142 |
| Net loans and leases to core deposits | 110.0080% | 326 |
| Total domestic deposits to total assets | 80.1563% | 4,208 |
| Equity capital to assets | 7.8004% | 4,608 |
| Core capital (leverage) ratio | 7.9536% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,011,000 | 2,449 |
| Average earning assets | $292,363,500 | 2,394 |
| Average equity | $25,580,000 | 2,841 |
| Average total loans | $261,718,500 | 1,904 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 530 |
| Cost of funding earning assets | 0.3295% | 2,491 |
| Net interest margin | 4.3763% | 428 |
| Noninterest income to average assets | 0.0764% | 4,770 |
| Noninterest expense to average assets | 1.6610% | 4,427 |
| Loan and lease loss provision to assets | 0.8319% | 50 |
| Net operating income to assets | 1.7234% | 842 |
| Return on assets (ROA) | 1.7639% | 814 |
| Pretax return on assets | 1.8465% | 1,131 |
| Return on Equity (ROE) | 20.3125% | 432 |
| Retained earnings to average equity (ytd only) | 7.7418% | 2,175 |
| Net charge-offs to loans | 0.4563% | 186 |
| Credit loss provision to net charge-offs | 210.3448% | 1,028 |
| Earnings coverage of net charge-offs (x) | 6.6655% | 1,949 |
| Efficiency ratio | 38.6544% | 4,785 |
| Assets per employee ($millions) | 12.6110% | 307 |
| Cash dividends to net income (ytd only)* | 61.8864% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 2,227 |
| Loan loss allowance to noncurrent loans | 293.3962% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 482 |
| Noncurrent loans to loans | 0.4579% | 2,304 |
| Net loans and leases to total assets | 86.9342% | 60 |
| Net loans and leases to deposits | 107.7994% | 132 |
| Net loans and leases to core deposits | 111.4250% | 326 |
| Total domestic deposits to total assets | 80.6445% | 4,137 |
| Equity capital to assets | 8.2148% | 4,424 |
| Core capital (leverage) ratio | 8.4519% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,319,333 | 2,483 |
| Average earning assets | $282,884,667 | 2,434 |
| Average equity | $25,472,000 | 2,844 |
| Average total loans | $254,197,667 | 1,944 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 424 |
| Cost of funding earning assets | 0.4022% | 2,078 |
| Net interest margin | 4.4799% | 368 |
| Noninterest income to average assets | 0.0779% | 4,770 |
| Noninterest expense to average assets | 1.7128% | 4,352 |
| Loan and lease loss provision to assets | 0.6659% | 81 |
| Net operating income to assets | 1.9140% | 649 |
| Return on assets (ROA) | 1.9140% | 698 |
| Pretax return on assets | 2.0075% | 934 |
| Return on Equity (ROE) | 21.3948% | 437 |
| Retained earnings to average equity (ytd only) | 7.3005% | 2,479 |
| Net charge-offs to loans | 0.5264% | 155 |
| Credit loss provision to net charge-offs | 147.3354% | 987 |
| Earnings coverage of net charge-offs (x) | 5.9154% | 1,665 |
| Efficiency ratio | 39.0504% | 4,778 |
| Assets per employee ($millions) | 11.7850% | 368 |
| Cash dividends to net income (ytd only)* | 65.8771% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,466 |
| Loan loss allowance to noncurrent loans | 221.9713% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.5143% | 418 |
| Noncurrent loans to loans | 0.5831% | 2,113 |
| Net loans and leases to total assets | 87.4463% | 57 |
| Net loans and leases to deposits | 101.1893% | 255 |
| Net loans and leases to core deposits | 101.5341% | 647 |
| Total domestic deposits to total assets | 86.4185% | 2,566 |
| Equity capital to assets | 8.9962% | 3,690 |
| Core capital (leverage) ratio | 8.7335% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,342,000 | 2,529 |
| Average earning assets | $271,522,000 | 2,483 |
| Average equity | $25,258,500 | 2,853 |
| Average total loans | $242,390,000 | 2,013 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 870 |
| Cost of funding earning assets | 0.8389% | 1,063 |
| Net interest margin | 3.8751% | 1,290 |
| Noninterest income to average assets | 0.0667% | 4,834 |
| Noninterest expense to average assets | 1.7380% | 4,559 |
| Loan and lease loss provision to assets | 0.3728% | 877 |
| Net operating income to assets | 1.6066% | 627 |
| Return on assets (ROA) | 1.6172% | 670 |
| Pretax return on assets | 1.6889% | 872 |
| Return on Equity (ROE) | 17.8747% | 341 |
| Retained earnings to average equity (ytd only) | 9.2175% | 726 |
| Net charge-offs to loans | 0.0465% | 2,133 |
| Credit loss provision to net charge-offs | 958.8235% | 800 |
| Earnings coverage of net charge-offs (x) | 52.7451% | 1,149 |
| Efficiency ratio | 45.8753% | 4,721 |
| Assets per employee ($millions) | 12.2540% | 306 |
| Cash dividends to net income (ytd only)* | 48.4327% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,313 |
| Loan loss allowance to noncurrent loans | 148.5824% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.7396% | 367 |
| Noncurrent loans to loans | 0.8885% | 1,587 |
| Net loans and leases to total assets | 81.9999% | 294 |
| Net loans and leases to deposits | 106.4405% | 221 |
| Net loans and leases to core deposits | 106.9721% | 606 |
| Total domestic deposits to total assets | 77.0383% | 4,408 |
| Equity capital to assets | 8.8957% | 4,150 |
| Core capital (leverage) ratio | 8.8542% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,363,600 | 2,505 |
| Average earning assets | $251,992,800 | 2,461 |
| Average equity | $23,737,400 | 2,887 |
| Average total loans | $219,157,600 | 2,108 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 954 |
| Cost of funding earning assets | 0.9360% | 945 |
| Net interest margin | 3.8199% | 1,563 |
| Noninterest income to average assets | 0.0378% | 4,915 |
| Noninterest expense to average assets | 1.7419% | 4,576 |
| Loan and lease loss provision to assets | 0.5064% | 572 |
| Net operating income to assets | 1.3981% | 1,103 |
| Return on assets (ROA) | 1.4126% | 1,163 |
| Pretax return on assets | 1.4752% | 1,501 |
| Return on Equity (ROE) | 15.5413% | 612 |
| Retained earnings to average equity (ytd only) | 7.8789% | 1,343 |
| Net charge-offs to loans | 0.0662% | 1,666 |
| Credit loss provision to net charge-offs | 914.0187% | 888 |
| Earnings coverage of net charge-offs (x) | 35.4953% | 1,450 |
| Efficiency ratio | 46.9701% | 4,664 |
| Assets per employee ($millions) | 12.1073% | 314 |
| Cash dividends to net income (ytd only)* | 49.3035% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 2,021 |
| Loan loss allowance to noncurrent loans | 231.4093% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 1.4925% | 573 |
| Noncurrent loans to loans | 0.5768% | 2,359 |
| Net loans and leases to total assets | 81.9469% | 438 |
| Net loans and leases to deposits | 104.5064% | 373 |
| Net loans and leases to core deposits | 105.1459% | 876 |
| Total domestic deposits to total assets | 78.4132% | 4,138 |
| Equity capital to assets | 8.7299% | 4,307 |
| Core capital (leverage) ratio | 8.7343% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,493,750 | 2,516 |
| Average earning assets | $247,433,000 | 2,472 |
| Average equity | $23,403,750 | 2,910 |
| Average total loans | $215,396,250 | 2,135 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 983 |
| Cost of funding earning assets | 1.0486% | 844 |
| Net interest margin | 3.8464% | 1,699 |
| Noninterest income to average assets | -0.0008% | 5,031 |
| Noninterest expense to average assets | 1.7700% | 4,603 |
| Loan and lease loss provision to assets | 0.7808% | 319 |
| Net operating income to assets | 1.0954% | 1,983 |
| Return on assets (ROA) | 1.0954% | 2,103 |
| Pretax return on assets | 1.1441% | 2,569 |
| Return on Equity (ROE) | 11.8779% | 1,364 |
| Retained earnings to average equity (ytd only) | 6.9692% | 1,674 |
| Net charge-offs to loans | 0.1637% | 915 |
| Credit loss provision to net charge-offs | 568.6047% | 1,145 |
| Earnings coverage of net charge-offs (x) | 14.0174% | 1,966 |
| Efficiency ratio | 47.9041% | 4,639 |
| Assets per employee ($millions) | 11.9107% | 321 |
| Cash dividends to net income (ytd only)* | 41.3265% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 1,924 |
| Loan loss allowance to noncurrent loans | 86.8391% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 2.3004% | 270 |
| Noncurrent loans to loans | 1.5151% | 998 |
| Net loans and leases to total assets | 82.7394% | 346 |
| Net loans and leases to deposits | 108.2766% | 264 |
| Net loans and leases to core deposits | 108.4118% | 795 |
| Total domestic deposits to total assets | 76.4148% | 4,385 |
| Equity capital to assets | 8.6750% | 4,371 |
| Core capital (leverage) ratio | 8.8438% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $250,502,667 | 2,538 |
| Average earning assets | $240,695,667 | 2,485 |
| Average equity | $23,101,667 | 2,924 |
| Average total loans | $210,101,000 | 2,152 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 1,247 |
| Cost of funding earning assets | 1.2268% | 704 |
| Net interest margin | 3.6524% | 2,498 |
| Noninterest income to average assets | 0.0787% | 4,898 |
| Noninterest expense to average assets | 1.7924% | 4,678 |
| Loan and lease loss provision to assets | 0.8878% | 263 |
| Net operating income to assets | 0.8761% | 2,593 |
| Return on assets (ROA) | 0.8761% | 2,698 |
| Pretax return on assets | 0.9046% | 3,128 |
| Return on Equity (ROE) | 9.1875% | 2,031 |
| Retained earnings to average equity (ytd only) | 5.4809% | 2,076 |
| Net charge-offs to loans | -0.1318% | 4,878 |
| Credit loss provision to net charge-offs | -803.0303% | 3,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 4,664 |
| Assets per employee ($millions) | 11.9790% | 238 |
| Cash dividends to net income (ytd only)* | 40.3442% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,739 |
| Loan loss allowance to noncurrent loans | 104.6520% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 2.3491% | 312 |
| Noncurrent loans to loans | 1.3272% | 1,221 |
| Net loans and leases to total assets | 83.3325% | 317 |
| Net loans and leases to deposits | 106.0108% | 295 |
| Net loans and leases to core deposits | 106.1664% | 1,052 |
| Total domestic deposits to total assets | 78.6076% | 4,121 |
| Equity capital to assets | 9.5901% | 4,142 |
| Core capital (leverage) ratio | 9.4546% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,780,500 | 2,565 |
| Average earning assets | $229,221,000 | 2,502 |
| Average equity | $22,770,000 | 2,941 |
| Average total loans | $200,309,500 | 2,182 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0363% | 1,381 |
| Cost of funding earning assets | 1.4026% | 559 |
| Net interest margin | 3.6336% | 3,021 |
| Noninterest income to average assets | 0.1082% | 4,909 |
| Noninterest expense to average assets | 1.8239% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6903% | 672 |
| Return on assets (ROA) | 1.6937% | 712 |
| Pretax return on assets | 1.7683% | 1,025 |
| Return on Equity (ROE) | 17.6830% | 365 |
| Retained earnings to average equity (ytd only) | 7.6844% | 1,083 |
| Net charge-offs to loans | 0.0982% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 21.7228% | 1,879 |
| Efficiency ratio | 50.8243% | 4,686 |
| Assets per employee ($millions) | 11.3324% | 269 |
| Cash dividends to net income (ytd only)* | 56.5433% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 2,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2358% | 930 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.3356% | 515 |
| Net loans and leases to deposits | 99.9515% | 610 |
| Net loans and leases to core deposits | 100.0919% | 1,553 |
| Total domestic deposits to total assets | 82.3755% | 3,406 |
| Equity capital to assets | 9.4814% | 4,370 |
| Core capital (leverage) ratio | 9.5252% | 4,033 |
| Tier 1 risk-based capital ratio | 11.7560% | 4,495 |
| Total risk-based capital ratio | 12.9348% | 4,417 |
| Memoranda: | ||
| Average total assets | $226,487,000 | 2,606 |
| Average earning assets | $216,946,800 | 2,551 |
| Average equity | $21,693,200 | 2,986 |
| Average total loans | $187,395,400 | 2,251 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 1,331 |
| Cost of funding earning assets | 1.4413% | 496 |
| Net interest margin | 3.6375% | 3,144 |
| Noninterest income to average assets | 0.1127% | 4,947 |
| Noninterest expense to average assets | 1.8502% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6709% | 788 |
| Return on assets (ROA) | 1.6755% | 825 |
| Pretax return on assets | 1.7494% | 1,201 |
| Return on Equity (ROE) | 17.4458% | 439 |
| Retained earnings to average equity (ytd only) | 11.1069% | 501 |
| Net charge-offs to loans | 0.0195% | 2,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 108.3678% | 707 |
| Efficiency ratio | 51.4679% | 4,642 |
| Assets per employee ($millions) | 10.0475% | 347 |
| Cash dividends to net income (ytd only)* | 36.3346% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 2,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2727% | 965 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 82.7121% | 495 |
| Net loans and leases to deposits | 98.4208% | 773 |
| Net loans and leases to core deposits | 98.5502% | 1,781 |
| Total domestic deposits to total assets | 84.0393% | 2,807 |
| Equity capital to assets | 9.8273% | 4,184 |
| Core capital (leverage) ratio | 9.7928% | 3,864 |
| Tier 1 risk-based capital ratio | 12.1401% | 4,345 |
| Total risk-based capital ratio | 13.3906% | 4,236 |
| Memoranda: | ||
| Average total assets | $223,613,500 | 2,650 |
| Average earning assets | $214,060,250 | 2,597 |
| Average equity | $21,475,500 | 3,025 |
| Average total loans | $184,704,500 | 2,294 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 1,376 |
| Cost of funding earning assets | 1.4467% | 450 |
| Net interest margin | 3.5922% | 3,284 |
| Noninterest income to average assets | 0.1049% | 5,017 |
| Noninterest expense to average assets | 1.8940% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5768% | 958 |
| Return on assets (ROA) | 1.5838% | 982 |
| Pretax return on assets | 1.6543% | 1,384 |
| Return on Equity (ROE) | 16.6255% | 506 |
| Retained earnings to average equity (ytd only) | 7.4060% | 1,647 |
| Net charge-offs to loans | 0.0143% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 140.0769% | 522 |
| Efficiency ratio | 53.4866% | 4,519 |
| Assets per employee ($millions) | 8.8842% | 489 |
| Cash dividends to net income (ytd only)* | 55.4540% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,031 |
| Loan loss allowance to noncurrent loans | 2,230.8411% | 303 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 883 |
| Noncurrent loans to loans | 0.0581% | 4,421 |
| Net loans and leases to total assets | 81.7992% | 639 |
| Net loans and leases to deposits | 96.0691% | 1,024 |
| Net loans and leases to core deposits | 96.1978% | 2,049 |
| Total domestic deposits to total assets | 85.1463% | 2,414 |
| Equity capital to assets | 9.7273% | 4,211 |
| Core capital (leverage) ratio | 9.4941% | 4,148 |
| Tier 1 risk-based capital ratio | 12.2110% | 4,293 |
| Total risk-based capital ratio | 13.4624% | 4,167 |
| Memoranda: | ||
| Average total assets | $221,120,670 | 2,679 |
| Average earning assets | $211,513,000 | 2,624 |
| Average equity | $21,064,000 | 3,054 |
| Average total loans | $181,768,000 | 2,328 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0022% | 1,334 |
| Cost of funding earning assets | 1.3942% | 471 |
| Net interest margin | 3.6080% | 3,225 |
| Noninterest income to average assets | 0.0798% | 5,145 |
| Noninterest expense to average assets | 1.8746% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5828% | 930 |
| Return on assets (ROA) | 1.5828% | 959 |
| Pretax return on assets | 1.6535% | 1,333 |
| Return on Equity (ROE) | 16.7937% | 495 |
| Retained earnings to average equity (ytd only) | 14.8700% | 283 |
| Net charge-offs to loans | -0.0177% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1346% | 4,607 |
| Assets per employee ($millions) | 10.1618% | 323 |
| Cash dividends to net income (ytd only)* | 11.4548% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,011 |
| Loan loss allowance to noncurrent loans | 1,368.1818% | 452 |
| Noncurrent assets plus other real estate owned to assets | 1.3943% | 902 |
| Noncurrent loans to loans | 0.0962% | 4,317 |
| Net loans and leases to total assets | 80.7563% | 750 |
| Net loans and leases to deposits | 96.8292% | 900 |
| Net loans and leases to core deposits | 96.9602% | 1,858 |
| Total domestic deposits to total assets | 83.4008% | 3,255 |
| Equity capital to assets | 9.5465% | 4,215 |
| Core capital (leverage) ratio | 9.5369% | 4,087 |
| Tier 1 risk-based capital ratio | 12.0688% | 4,421 |
| Total risk-based capital ratio | 13.3202% | 4,309 |
| Memoranda: | ||
| Average total assets | $220,628,000 | 2,717 |
| Average earning assets | $210,867,500 | 2,659 |
| Average equity | $20,793,500 | 3,084 |
| Average total loans | $180,618,000 | 2,364 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 1,254 |
| Cost of funding earning assets | 1.0618% | 575 |
| Net interest margin | 3.8493% | 2,506 |
| Noninterest income to average assets | -0.3171% | 5,391 |
| Noninterest expense to average assets | 2.0325% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5199% | 1,072 |
| Return on assets (ROA) | 1.5077% | 1,084 |
| Pretax return on assets | 1.2916% | 2,533 |
| Return on Equity (ROE) | 16.2732% | 573 |
| Retained earnings to average equity (ytd only) | 10.5557% | 516 |
| Net charge-offs to loans | -0.0696% | 5,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9211% | 3,707 |
| Assets per employee ($millions) | 10.3665% | 309 |
| Cash dividends to net income (ytd only)* | 35.1343% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 1,843 |
| Loan loss allowance to noncurrent loans | 1,188.1188% | 539 |
| Noncurrent assets plus other real estate owned to assets | 1.4437% | 820 |
| Noncurrent loans to loans | 0.1133% | 4,222 |
| Net loans and leases to total assets | 80.7958% | 824 |
| Net loans and leases to deposits | 98.0965% | 891 |
| Net loans and leases to core deposits | 98.0965% | 1,858 |
| Total domestic deposits to total assets | 82.3636% | 3,531 |
| Equity capital to assets | 9.2996% | 4,321 |
| Core capital (leverage) ratio | 9.4110% | 4,223 |
| Tier 1 risk-based capital ratio | 11.7442% | 4,597 |
| Total risk-based capital ratio | 12.9958% | 4,474 |
| Memoranda: | ||
| Average total assets | $205,014,600 | 2,812 |
| Average earning assets | $194,578,800 | 2,771 |
| Average equity | $18,994,400 | 3,184 |
| Average total loans | $165,261,800 | 2,478 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,669 |
| Cost of funding earning assets | 0.9813% | 639 |
| Net interest margin | 3.7216% | 2,937 |
| Noninterest income to average assets | -0.3336% | 5,463 |
| Noninterest expense to average assets | 2.0497% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0933% | 2,693 |
| Return on assets (ROA) | 1.0794% | 2,762 |
| Pretax return on assets | 1.1269% | 3,284 |
| Return on Equity (ROE) | 11.6617% | 1,924 |
| Retained earnings to average equity (ytd only) | 4.6247% | 3,438 |
| Net charge-offs to loans | -0.1045% | 5,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2310% | 3,145 |
| Assets per employee ($millions) | 9.9804% | 337 |
| Cash dividends to net income (ytd only)* | 60.3426% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,626 |
| Loan loss allowance to noncurrent loans | 198.3553% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 2.2077% | 443 |
| Noncurrent loans to loans | 0.7164% | 2,286 |
| Net loans and leases to total assets | 79.8401% | 1,044 |
| Net loans and leases to deposits | 101.0471% | 701 |
| Net loans and leases to core deposits | 101.0471% | 1,697 |
| Total domestic deposits to total assets | 79.0127% | 4,315 |
| Equity capital to assets | 8.9175% | 4,619 |
| Core capital (leverage) ratio | 9.4521% | 4,232 |
| Tier 1 risk-based capital ratio | 11.6305% | 4,722 |
| Total risk-based capital ratio | 12.8827% | 4,605 |
| Memoranda: | ||
| Average total assets | $201,844,000 | 2,866 |
| Average earning assets | $191,170,000 | 2,829 |
| Average equity | $18,681,750 | 3,238 |
| Average total loans | $162,004,750 | 2,516 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 1,611 |
| Cost of funding earning assets | 0.9237% | 654 |
| Net interest margin | 3.7371% | 2,800 |
| Noninterest income to average assets | -0.4968% | 5,528 |
| Noninterest expense to average assets | 2.0716% | 4,676 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9249% | 3,345 |
| Return on assets (ROA) | 0.9124% | 3,413 |
| Pretax return on assets | 0.9515% | 3,800 |
| Return on Equity (ROE) | 9.7329% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.0561% | 2,052 |
| Net charge-offs to loans | -0.0514% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2314% | 2,607 |
| Assets per employee ($millions) | 10.0301% | 313 |
| Cash dividends to net income (ytd only)* | 27.5028% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 1,593 |
| Loan loss allowance to noncurrent loans | 174.4936% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 2.3933% | 376 |
| Noncurrent loans to loans | 0.8260% | 2,073 |
| Net loans and leases to total assets | 79.2893% | 1,118 |
| Net loans and leases to deposits | 98.4678% | 930 |
| Net loans and leases to core deposits | 98.4678% | 1,859 |
| Total domestic deposits to total assets | 80.5231% | 4,130 |
| Equity capital to assets | 9.3693% | 4,217 |
| Core capital (leverage) ratio | 9.7728% | 3,814 |
| Tier 1 risk-based capital ratio | 12.1944% | 4,377 |
| Total risk-based capital ratio | 13.4469% | 4,252 |
| Memoranda: | ||
| Average total assets | $199,262,330 | 2,903 |
| Average earning assets | $188,382,670 | 2,874 |
| Average equity | $18,679,000 | 3,253 |
| Average total loans | $159,423,670 | 2,550 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 1,473 |
| Cost of funding earning assets | 0.8919% | 621 |
| Net interest margin | 3.7448% | 2,634 |
| Noninterest income to average assets | -0.0806% | 5,588 |
| Noninterest expense to average assets | 2.1129% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2842% | 1,700 |
| Return on assets (ROA) | 1.2629% | 1,776 |
| Pretax return on assets | 1.3193% | 2,290 |
| Return on Equity (ROE) | 13.4687% | 1,144 |
| Retained earnings to average equity (ytd only) | 10.2465% | 1,087 |
| Net charge-offs to loans | -0.0454% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1662% | 3,920 |
| Assets per employee ($millions) | 10.5163% | 270 |
| Cash dividends to net income (ytd only)* | 23.9234% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 1,668 |
| Loan loss allowance to noncurrent loans | 291.8885% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 2.7621% | 314 |
| Noncurrent loans to loans | 0.4961% | 3,033 |
| Net loans and leases to total assets | 78.4399% | 1,173 |
| Net loans and leases to deposits | 98.7182% | 811 |
| Net loans and leases to core deposits | 98.7182% | 1,789 |
| Total domestic deposits to total assets | 79.4584% | 4,500 |
| Equity capital to assets | 9.3664% | 4,213 |
| Core capital (leverage) ratio | 9.5923% | 3,969 |
| Tier 1 risk-based capital ratio | 11.9593% | 4,572 |
| Total risk-based capital ratio | 13.2117% | 4,467 |
| Memoranda: | ||
| Average total assets | $198,592,500 | 2,945 |
| Average earning assets | $187,458,000 | 2,915 |
| Average equity | $18,621,000 | 3,292 |
| Average total loans | $158,444,500 | 2,589 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 1,464 |
| Cost of funding earning assets | 0.7925% | 649 |
| Net interest margin | 3.7951% | 2,441 |
| Noninterest income to average assets | -0.3436% | 5,657 |
| Noninterest expense to average assets | 2.1888% | 4,551 |
| Loan and lease loss provision to assets | -0.2660% | 5,608 |
| Net operating income to assets | 1.1687% | 1,620 |
| Return on assets (ROA) | 1.1691% | 1,647 |
| Pretax return on assets | 1.3053% | 2,323 |
| Return on Equity (ROE) | 12.1696% | 1,165 |
| Retained earnings to average equity (ytd only) | 8.0171% | 757 |
| Net charge-offs to loans | -0.1431% | 5,458 |
| Credit loss provision to net charge-offs | 235.8491% | 1,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8148% | 2,928 |
| Assets per employee ($millions) | 9.8688% | 333 |
| Cash dividends to net income (ytd only)* | 34.1219% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,591 |
| Loan loss allowance to noncurrent loans | 264.7740% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 2.8793% | 290 |
| Noncurrent loans to loans | 0.5467% | 2,862 |
| Net loans and leases to total assets | 78.8196% | 1,155 |
| Net loans and leases to deposits | 99.7135% | 749 |
| Net loans and leases to core deposits | 99.7205% | 1,733 |
| Total domestic deposits to total assets | 79.0461% | 4,532 |
| Equity capital to assets | 9.3867% | 4,346 |
| Core capital (leverage) ratio | 9.6411% | 3,878 |
| Tier 1 risk-based capital ratio | 12.0288% | 4,505 |
| Total risk-based capital ratio | 13.2814% | 4,388 |
| Memoranda: | ||
| Average total assets | $188,000,600 | 3,041 |
| Average earning assets | $176,911,400 | 2,993 |
| Average equity | $18,061,400 | 3,354 |
| Average total loans | $148,183,600 | 2,672 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 1,440 |
| Cost of funding earning assets | 0.7785% | 659 |
| Net interest margin | 3.7938% | 2,426 |
| Noninterest income to average assets | -0.2858% | 5,725 |
| Noninterest expense to average assets | 2.1609% | 4,613 |
| Loan and lease loss provision to assets | -0.3591% | 5,701 |
| Net operating income to assets | 1.3280% | 1,254 |
| Return on assets (ROA) | 1.3293% | 1,281 |
| Pretax return on assets | 1.4837% | 1,828 |
| Return on Equity (ROE) | 13.7528% | 888 |
| Retained earnings to average equity (ytd only) | 9.2948% | 763 |
| Net charge-offs to loans | -0.1820% | 5,517 |
| Credit loss provision to net charge-offs | 251.2563% | 1,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7993% | 3,246 |
| Assets per employee ($millions) | 10.2539% | 287 |
| Cash dividends to net income (ytd only)* | 32.4149% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,674 |
| Loan loss allowance to noncurrent loans | 258.7699% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 3.2537% | 263 |
| Noncurrent loans to loans | 0.5645% | 3,005 |
| Net loans and leases to total assets | 78.6706% | 1,168 |
| Net loans and leases to deposits | 96.9891% | 1,008 |
| Net loans and leases to core deposits | 96.9953% | 1,981 |
| Total domestic deposits to total assets | 81.1128% | 4,018 |
| Equity capital to assets | 9.5409% | 4,404 |
| Core capital (leverage) ratio | 9.5675% | 4,074 |
| Tier 1 risk-based capital ratio | 12.1398% | 4,527 |
| Total risk-based capital ratio | 13.3925% | 4,424 |
| Memoranda: | ||
| Average total assets | $185,656,750 | 3,090 |
| Average earning assets | $174,699,750 | 3,042 |
| Average equity | $17,945,000 | 3,402 |
| Average total loans | $145,765,500 | 2,719 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 1,478 |
| Cost of funding earning assets | 0.7542% | 668 |
| Net interest margin | 3.7619% | 2,429 |
| Noninterest income to average assets | -0.3976% | 5,776 |
| Noninterest expense to average assets | 2.1774% | 4,604 |
| Loan and lease loss provision to assets | -0.5476% | 5,764 |
| Net operating income to assets | 1.3256% | 1,233 |
| Return on assets (ROA) | 1.3275% | 1,249 |
| Pretax return on assets | 1.5038% | 1,620 |
| Return on Equity (ROE) | 13.6712% | 877 |
| Retained earnings to average equity (ytd only) | 13.6712% | 207 |
| Net charge-offs to loans | -0.2596% | 5,617 |
| Credit loss provision to net charge-offs | 270.2703% | 1,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5348% | 2,760 |
| Assets per employee ($millions) | 8.7792% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,631 |
| Loan loss allowance to noncurrent loans | 246.7760% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 3.3478% | 251 |
| Noncurrent loans to loans | 0.6014% | 2,924 |
| Net loans and leases to total assets | 77.6052% | 1,300 |
| Net loans and leases to deposits | 97.1098% | 980 |
| Net loans and leases to core deposits | 97.1161% | 1,879 |
| Total domestic deposits to total assets | 79.9149% | 4,433 |
| Equity capital to assets | 9.6110% | 4,303 |
| Core capital (leverage) ratio | 9.9228% | 3,630 |
| Tier 1 risk-based capital ratio | 12.2084% | 4,485 |
| Total risk-based capital ratio | 13.4617% | 4,366 |
| Memoranda: | ||
| Average total assets | $182,600,670 | 3,126 |
| Average earning assets | $171,297,000 | 3,092 |
| Average equity | $17,730,670 | 3,442 |
| Average total loans | $142,506,670 | 2,766 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 1,265 |
| Cost of funding earning assets | 0.7388% | 697 |
| Net interest margin | 3.8075% | 2,088 |
| Noninterest income to average assets | -0.1015% | 5,835 |
| Noninterest expense to average assets | 2.2692% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9573% | 2,492 |
| Return on assets (ROA) | 0.9609% | 2,532 |
| Pretax return on assets | 1.1910% | 2,629 |
| Return on Equity (ROE) | 9.8415% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.8415% | 844 |
| Net charge-offs to loans | -0.0988% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6658% | 3,550 |
| Assets per employee ($millions) | 8.2364% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8484% | 872 |
| Loan loss allowance to noncurrent loans | 303.4924% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 4.1545% | 176 |
| Noncurrent loans to loans | 0.6090% | 2,997 |
| Net loans and leases to total assets | 76.3980% | 1,345 |
| Net loans and leases to deposits | 93.2542% | 1,192 |
| Net loans and leases to core deposits | 93.2605% | 2,038 |
| Total domestic deposits to total assets | 81.9245% | 4,188 |
| Equity capital to assets | 9.7240% | 4,042 |
| Core capital (leverage) ratio | 9.8489% | 3,694 |
| Tier 1 risk-based capital ratio | 12.4568% | 4,412 |
| Total risk-based capital ratio | 13.7142% | 4,311 |
| Memoranda: | ||
| Average total assets | $177,329,500 | 3,215 |
| Average earning assets | $165,675,000 | 3,195 |
| Average equity | $17,314,500 | 3,506 |
| Average total loans | $137,686,500 | 2,853 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 1,738 |
| Cost of funding earning assets | 0.8411% | 406 |
| Net interest margin | 3.5919% | 3,097 |
| Noninterest income to average assets | 0.1389% | 5,496 |
| Noninterest expense to average assets | 2.5079% | 3,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9635% | 2,524 |
| Return on assets (ROA) | 0.9732% | 2,581 |
| Pretax return on assets | 0.9732% | 3,574 |
| Return on Equity (ROE) | 9.6796% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.6796% | 467 |
| Net charge-offs to loans | -0.0280% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2445% | 2,558 |
| Assets per employee ($millions) | 8.2599% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 782 |
| Loan loss allowance to noncurrent loans | 233.0616% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 4.5331% | 155 |
| Noncurrent loans to loans | 0.8218% | 2,466 |
| Net loans and leases to total assets | 75.9602% | 1,519 |
| Net loans and leases to deposits | 93.8809% | 1,207 |
| Net loans and leases to core deposits | 93.8876% | 2,121 |
| Total domestic deposits to total assets | 80.9112% | 4,355 |
| Equity capital to assets | 9.8058% | 3,934 |
| Core capital (leverage) ratio | 10.1791% | 3,253 |
| Tier 1 risk-based capital ratio | 12.5592% | 4,350 |
| Total risk-based capital ratio | 13.8161% | 4,235 |
| Memoranda: | ||
| Average total assets | $164,920,200 | 3,350 |
| Average earning assets | $153,012,000 | 3,340 |
| Average equity | $16,581,200 | 3,613 |
| Average total loans | $125,119,400 | 2,993 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 1,727 |
| Cost of funding earning assets | 0.7455% | 649 |
| Net interest margin | 3.6948% | 2,735 |
| Noninterest income to average assets | 0.1597% | 5,474 |
| Noninterest expense to average assets | 2.5866% | 3,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9951% | 2,455 |
| Return on assets (ROA) | 1.0074% | 2,534 |
| Pretax return on assets | 1.0074% | 3,603 |
| Return on Equity (ROE) | 9.9547% | 2,070 |
| Retained earnings to average equity (ytd only) | 9.9547% | 583 |
| Net charge-offs to loans | -0.1096% | 5,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2159% | 2,545 |
| Assets per employee ($millions) | 7.8774% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 610 |
| Loan loss allowance to noncurrent loans | 126.8140% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 5.3553% | 125 |
| Noncurrent loans to loans | 1.6527% | 1,292 |
| Net loans and leases to total assets | 74.5190% | 1,786 |
| Net loans and leases to deposits | 92.9598% | 1,376 |
| Net loans and leases to core deposits | 92.9668% | 2,280 |
| Total domestic deposits to total assets | 80.1626% | 4,479 |
| Equity capital to assets | 10.3890% | 3,693 |
| Core capital (leverage) ratio | 10.5033% | 2,995 |
| Tier 1 risk-based capital ratio | 11.6587% | 5,008 |
| Total risk-based capital ratio | 12.9147% | 4,901 |
| Memoranda: | ||
| Average total assets | $162,785,750 | 3,383 |
| Average earning assets | $150,767,750 | 3,376 |
| Average equity | $16,474,250 | 3,662 |
| Average total loans | $122,816,250 | 3,027 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 1,642 |
| Cost of funding earning assets | 0.7373% | 672 |
| Net interest margin | 3.7223% | 2,608 |
| Noninterest income to average assets | 0.1680% | 5,485 |
| Noninterest expense to average assets | 2.6744% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9363% | 2,699 |
| Return on assets (ROA) | 0.9487% | 2,773 |
| Pretax return on assets | 0.9487% | 3,777 |
| Return on Equity (ROE) | 9.4599% | 2,290 |
| Retained earnings to average equity (ytd only) | 9.4599% | 730 |
| Net charge-offs to loans | 0.0394% | 2,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 31.5833% | 1,358 |
| Efficiency ratio | 74.0677% | 2,348 |
| Assets per employee ($millions) | 7.5739% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0634% | 657 |
| Loan loss allowance to noncurrent loans | 79.3310% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 6.2603% | 100 |
| Noncurrent loans to loans | 2.6010% | 645 |
| Net loans and leases to total assets | 75.0225% | 1,646 |
| Net loans and leases to deposits | 95.9304% | 1,086 |
| Net loans and leases to core deposits | 95.9304% | 1,980 |
| Total domestic deposits to total assets | 78.2051% | 4,957 |
| Equity capital to assets | 10.5545% | 3,575 |
| Core capital (leverage) ratio | 10.4300% | 3,044 |
| Tier 1 risk-based capital ratio | 11.4480% | 5,192 |
| Total risk-based capital ratio | 12.7038% | 5,072 |
| Memoranda: | ||
| Average total assets | $161,906,000 | 3,414 |
| Average earning assets | $149,744,670 | 3,405 |
| Average equity | $16,237,000 | 3,701 |
| Average total loans | $121,784,330 | 3,050 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 1,652 |
| Cost of funding earning assets | 0.7260% | 708 |
| Net interest margin | 3.7254% | 2,569 |
| Noninterest income to average assets | 0.1420% | 5,637 |
| Noninterest expense to average assets | 2.7159% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8694% | 2,902 |
| Return on assets (ROA) | 0.8939% | 2,912 |
| Pretax return on assets | 0.8939% | 3,868 |
| Return on Equity (ROE) | 9.1467% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.1467% | 1,068 |
| Net charge-offs to loans | 0.1807% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.4545% | 2,243 |
| Efficiency ratio | 75.7514% | 2,211 |
| Assets per employee ($millions) | 8.1607% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0492% | 755 |
| Loan loss allowance to noncurrent loans | 260.8193% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 4.7515% | 179 |
| Noncurrent loans to loans | 0.7857% | 2,872 |
| Net loans and leases to total assets | 72.7191% | 1,915 |
| Net loans and leases to deposits | 94.3068% | 1,114 |
| Net loans and leases to core deposits | 94.3068% | 1,962 |
| Total domestic deposits to total assets | 77.1091% | 5,272 |
| Equity capital to assets | 9.9245% | 4,181 |
| Core capital (leverage) ratio | 9.9368% | 3,617 |
| Tier 1 risk-based capital ratio | 11.2146% | 5,387 |
| Total risk-based capital ratio | 12.4708% | 5,291 |
| Memoranda: | ||
| Average total assets | $163,333,500 | 3,411 |
| Average earning assets | $150,962,000 | 3,413 |
| Average equity | $15,962,000 | 3,740 |
| Average total loans | $121,757,500 | 3,058 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 1,646 |
| Cost of funding earning assets | 1.2286% | 50 |
| Net interest margin | 3.2543% | 4,457 |
| Noninterest income to average assets | 0.0470% | 6,017 |
| Noninterest expense to average assets | 2.9496% | 2,703 |
| Loan and lease loss provision to assets | -0.6026% | 6,144 |
| Net operating income to assets | 0.5682% | 4,428 |
| Return on assets (ROA) | 0.5791% | 4,475 |
| Pretax return on assets | 0.5791% | 4,904 |
| Return on Equity (ROE) | 6.2359% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.2359% | 1,686 |
| Net charge-offs to loans | 0.5403% | 474 |
| Credit loss provision to net charge-offs | -161.2903% | 5,242 |
| Earnings coverage of net charge-offs (x) | -0.0919% | 4,275 |
| Efficiency ratio | 101.1782% | 261 |
| Assets per employee ($millions) | 7.7835% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0745% | 711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.3266% | 231 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 73.2971% | 1,840 |
| Net loans and leases to deposits | 97.2823% | 883 |
| Net loans and leases to core deposits | 97.2823% | 1,735 |
| Total domestic deposits to total assets | 75.3447% | 5,517 |
| Equity capital to assets | 9.6211% | 4,406 |
| Core capital (leverage) ratio | 9.4462% | 4,256 |
| Tier 1 risk-based capital ratio | 10.7061% | 5,671 |
| Total risk-based capital ratio | 11.9618% | 5,589 |
| Memoranda: | ||
| Average total assets | $165,953,800 | 3,363 |
| Average earning assets | $146,266,600 | 3,454 |
| Average equity | $15,410,800 | 3,770 |
| Average total loans | $114,752,400 | 3,126 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 1,734 |
| Cost of funding earning assets | 1.1196% | 87 |
| Net interest margin | 3.3386% | 4,184 |
| Noninterest income to average assets | 0.1993% | 5,448 |
| Noninterest expense to average assets | 2.9655% | 2,617 |
| Loan and lease loss provision to assets | -0.8004% | 6,251 |
| Net operating income to assets | 0.9437% | 2,741 |
| Return on assets (ROA) | 0.9533% | 2,792 |
| Pretax return on assets | 0.9533% | 3,805 |
| Return on Equity (ROE) | 10.3572% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.3572% | 577 |
| Net charge-offs to loans | 0.7561% | 275 |
| Credit loss provision to net charge-offs | -156.2500% | 5,121 |
| Earnings coverage of net charge-offs (x) | 0.2797% | 3,969 |
| Efficiency ratio | 95.3913% | 435 |
| Assets per employee ($millions) | 7.9583% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 731 |
| Loan loss allowance to noncurrent loans | 517.0431% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 7.0055% | 108 |
| Noncurrent loans to loans | 0.4116% | 4,134 |
| Net loans and leases to total assets | 69.2954% | 2,487 |
| Net loans and leases to deposits | 94.7244% | 1,116 |
| Net loans and leases to core deposits | 94.7244% | 2,009 |
| Total domestic deposits to total assets | 73.1548% | 5,776 |
| Equity capital to assets | 9.6574% | 4,565 |
| Core capital (leverage) ratio | 9.5659% | 4,215 |
| Tier 1 risk-based capital ratio | 10.6728% | 5,813 |
| Total risk-based capital ratio | 11.9280% | 5,741 |
| Memoranda: | ||
| Average total assets | $166,578,750 | 3,389 |
| Average earning assets | $145,169,000 | 3,499 |
| Average equity | $15,332,000 | 3,817 |
| Average total loans | $112,854,250 | 3,185 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 1,743 |
| Cost of funding earning assets | 1.0219% | 161 |
| Net interest margin | 3.4087% | 3,881 |
| Noninterest income to average assets | -0.3906% | 6,331 |
| Noninterest expense to average assets | 2.8811% | 2,957 |
| Loan and lease loss provision to assets | -1.2019% | 6,331 |
| Net operating income to assets | 0.8810% | 2,984 |
| Return on assets (ROA) | 0.8906% | 3,054 |
| Pretax return on assets | 0.8906% | 3,989 |
| Return on Equity (ROE) | 9.8389% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.8389% | 696 |
| Net charge-offs to loans | 0.8953% | 229 |
| Credit loss provision to net charge-offs | -201.2072% | 5,034 |
| Earnings coverage of net charge-offs (x) | -0.5372% | 3,751 |
| Efficiency ratio | 112.5352% | 151 |
| Assets per employee ($millions) | 7.8956% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3550% | 588 |
| Loan loss allowance to noncurrent loans | 274.3299% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 8.3235% | 83 |
| Noncurrent loans to loans | 0.8585% | 2,984 |
| Net loans and leases to total assets | 66.5430% | 2,861 |
| Net loans and leases to deposits | 89.6637% | 1,640 |
| Net loans and leases to core deposits | 89.6637% | 2,381 |
| Total domestic deposits to total assets | 74.2140% | 5,767 |
| Equity capital to assets | 9.3983% | 4,780 |
| Core capital (leverage) ratio | 9.4695% | 4,317 |
| Tier 1 risk-based capital ratio | 10.1238% | 6,050 |
| Total risk-based capital ratio | 11.3797% | 5,993 |
| Memoranda: | ||
| Average total assets | $166,396,670 | 3,408 |
| Average earning assets | $144,043,670 | 3,540 |
| Average equity | $15,062,670 | 3,876 |
| Average total loans | $111,029,670 | 3,231 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 1,721 |
| Cost of funding earning assets | 1.0249% | 157 |
| Net interest margin | 3.3889% | 3,887 |
| Noninterest income to average assets | -0.2712% | 6,387 |
| Noninterest expense to average assets | 2.6972% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0168% | 6,033 |
| Return on assets (ROA) | -0.0024% | 6,061 |
| Pretax return on assets | -0.0024% | 6,054 |
| Return on Equity (ROE) | -0.0270% | 6,062 |
| Retained earnings to average equity (ytd only) | -0.0270% | 5,381 |
| Net charge-offs to loans | 1.9119% | 93 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.0133% | 3,113 |
| Efficiency ratio | 100.6267% | 353 |
| Assets per employee ($millions) | 7.8576% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2886% | 218 |
| Loan loss allowance to noncurrent loans | 325.7399% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 9.3043% | 77 |
| Noncurrent loans to loans | 1.0096% | 2,742 |
| Net loans and leases to total assets | 64.7294% | 2,987 |
| Net loans and leases to deposits | 85.3319% | 1,916 |
| Net loans and leases to core deposits | 85.3319% | 2,613 |
| Total domestic deposits to total assets | 75.8560% | 5,749 |
| Equity capital to assets | 9.0607% | 5,224 |
| Core capital (leverage) ratio | 8.8624% | 5,123 |
| Tier 1 risk-based capital ratio | 9.7733% | 6,223 |
| Total risk-based capital ratio | 11.0375% | 6,183 |
| Memoranda: | ||
| Average total assets | $166,691,500 | 3,417 |
| Average earning assets | $145,180,000 | 3,548 |
| Average equity | $14,802,500 | 3,947 |
| Average total loans | $110,047,500 | 3,258 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 1,315 |
| Cost of funding earning assets | 2.2079% | 4 |
| Net interest margin | 2.4895% | 6,168 |
| Noninterest income to average assets | 0.6543% | 2,530 |
| Noninterest expense to average assets | 3.1585% | 2,332 |
| Loan and lease loss provision to assets | -0.4599% | 6,440 |
| Net operating income to assets | 0.0748% | 5,985 |
| Return on assets (ROA) | 0.0865% | 6,001 |
| Pretax return on assets | 0.0865% | 6,004 |
| Return on Equity (ROE) | 0.9760% | 5,969 |
| Retained earnings to average equity (ytd only) | 0.9760% | 5,337 |
| Net charge-offs to loans | -0.6492% | 6,423 |
| Credit loss provision to net charge-offs | 110.9467% | 2,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8846% | 171 |
| Assets per employee ($millions) | 8.4187% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7920% | 153 |
| Loan loss allowance to noncurrent loans | 207.5886% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 11.1746% | 69 |
| Noncurrent loans to loans | 1.8267% | 1,568 |
| Net loans and leases to total assets | 62.6555% | 3,417 |
| Net loans and leases to deposits | 82.7269% | 2,375 |
| Net loans and leases to core deposits | 82.7269% | 3,029 |
| Total domestic deposits to total assets | 75.7378% | 5,778 |
| Equity capital to assets | 8.7033% | 5,574 |
| Core capital (leverage) ratio | 8.4382% | 5,626 |
| Tier 1 risk-based capital ratio | 9.8666% | 6,291 |
| Total risk-based capital ratio | 11.1353% | 6,244 |
| Memoranda: | ||
| Average total assets | $163,083,800 | 3,444 |
| Average earning assets | $138,822,000 | 3,621 |
| Average equity | $14,446,600 | 3,950 |
| Average total loans | $104,128,600 | 3,341 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 1,103 |
| Cost of funding earning assets | 2.0470% | 5 |
| Net interest margin | 2.7556% | 5,928 |
| Noninterest income to average assets | 0.7171% | 2,250 |
| Noninterest expense to average assets | 2.9293% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1245% | 5,993 |
| Return on assets (ROA) | 0.1360% | 6,002 |
| Pretax return on assets | 0.1360% | 6,022 |
| Return on Equity (ROE) | 1.5283% | 5,945 |
| Retained earnings to average equity (ytd only) | 1.5283% | 5,282 |
| Net charge-offs to loans | -0.8539% | 6,509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9244% | 511 |
| Assets per employee ($millions) | 9.0566% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6019% | 100 |
| Loan loss allowance to noncurrent loans | 225.9704% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 11.8827% | 65 |
| Noncurrent loans to loans | 2.0365% | 1,544 |
| Net loans and leases to total assets | 62.1833% | 3,459 |
| Net loans and leases to deposits | 90.8366% | 1,344 |
| Net loans and leases to core deposits | 90.8366% | 2,134 |
| Total domestic deposits to total assets | 68.4562% | 6,334 |
| Equity capital to assets | 8.9505% | 5,405 |
| Core capital (leverage) ratio | 9.0270% | 5,039 |
| Tier 1 risk-based capital ratio | 10.2584% | 6,284 |
| Total risk-based capital ratio | 11.5346% | 6,232 |
| Memoranda: | ||
| Average total assets | $161,761,500 | 3,495 |
| Average earning assets | $137,171,500 | 3,672 |
| Average equity | $14,394,750 | 3,984 |
| Average total loans | $102,747,500 | 3,396 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9894% | 766 |
| Cost of funding earning assets | 2.0537% | 5 |
| Net interest margin | 2.9357% | 5,666 |
| Noninterest income to average assets | 0.9793% | 1,258 |
| Noninterest expense to average assets | 2.9552% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5120% | 4,760 |
| Return on assets (ROA) | 0.4946% | 4,910 |
| Pretax return on assets | 0.4946% | 5,288 |
| Return on Equity (ROE) | 5.5690% | 4,402 |
| Retained earnings to average equity (ytd only) | 5.5690% | 2,602 |
| Net charge-offs to loans | -1.1735% | 6,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2342% | 1,353 |
| Assets per employee ($millions) | 8.9321% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6470% | 103 |
| Loan loss allowance to noncurrent loans | 560.7433% | 834 |
| Noncurrent assets plus other real estate owned to assets | 11.7025% | 75 |
| Noncurrent loans to loans | 0.8287% | 3,631 |
| Net loans and leases to total assets | 61.6170% | 3,466 |
| Net loans and leases to deposits | 95.0547% | 874 |
| Net loans and leases to core deposits | 95.0547% | 1,683 |
| Total domestic deposits to total assets | 64.8227% | 6,501 |
| Equity capital to assets | 9.2407% | 5,054 |
| Core capital (leverage) ratio | 9.5726% | 4,217 |
| Tier 1 risk-based capital ratio | 10.5796% | 6,221 |
| Total risk-based capital ratio | 11.8561% | 6,160 |
| Memoranda: | ||
| Average total assets | $161,342,670 | 3,517 |
| Average earning assets | $136,730,670 | 3,695 |
| Average equity | $14,329,330 | 3,980 |
| Average total loans | $101,576,670 | 3,423 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 3,095 |
| Cost of funding earning assets | 1.9802% | 7 |
| Net interest margin | 2.1660% | 6,542 |
| Noninterest income to average assets | 0.8068% | 1,721 |
| Noninterest expense to average assets | 2.9674% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3143% | 6,408 |
| Return on assets (ROA) | -0.3143% | 6,408 |
| Pretax return on assets | -0.3143% | 6,398 |
| Return on Equity (ROE) | -3.6117% | 6,429 |
| Retained earnings to average equity (ytd only) | -3.6117% | 6,022 |
| Net charge-offs to loans | -2.2625% | 6,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8470% | 247 |
| Assets per employee ($millions) | 8.8763% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6823% | 112 |
| Loan loss allowance to noncurrent loans | 104.5069% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 11.9157% | 76 |
| Noncurrent loans to loans | 4.4804% | 541 |
| Net loans and leases to total assets | 61.1580% | 3,369 |
| Net loans and leases to deposits | 99.0904% | 487 |
| Net loans and leases to core deposits | 99.1004% | 1,165 |
| Total domestic deposits to total assets | 61.7194% | 6,626 |
| Equity capital to assets | 8.8663% | 5,258 |
| Core capital (leverage) ratio | 9.2272% | 4,678 |
| Tier 1 risk-based capital ratio | 10.6669% | 6,286 |
| Total risk-based capital ratio | 11.9454% | 6,237 |
| Memoranda: | ||
| Average total assets | $161,625,500 | 3,540 |
| Average earning assets | $137,766,000 | 3,702 |
| Average equity | $14,065,500 | 4,035 |
| Average total loans | $100,418,000 | 3,463 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 3,829 |
| Cost of funding earning assets | 1.6787% | 29 |
| Net interest margin | 2.3970% | 6,447 |
| Noninterest income to average assets | 0.7884% | 2,130 |
| Noninterest expense to average assets | 2.7459% | 3,924 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1138% | 6,012 |
| Return on assets (ROA) | 0.1203% | 6,061 |
| Pretax return on assets | 0.1203% | 6,065 |
| Return on Equity (ROE) | 1.4427% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.4427% | 5,173 |
| Net charge-offs to loans | 0.1424% | 3,379 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.2715% | 4,641 |
| Efficiency ratio | 96.0199% | 637 |
| Assets per employee ($millions) | 9.0821% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3042% | 159 |
| Loan loss allowance to noncurrent loans | 92.1402% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 11.5178% | 93 |
| Noncurrent loans to loans | 4.6714% | 558 |
| Net loans and leases to total assets | 57.5551% | 4,110 |
| Net loans and leases to deposits | 96.1535% | 720 |
| Net loans and leases to core deposits | 96.1633% | 1,443 |
| Total domestic deposits to total assets | 59.8576% | 6,713 |
| Equity capital to assets | 8.5424% | 5,541 |
| Core capital (leverage) ratio | 8.6176% | 5,522 |
| Tier 1 risk-based capital ratio | 11.2710% | 6,040 |
| Total risk-based capital ratio | 12.5455% | 5,964 |
| Memoranda: | ||
| Average total assets | $168,690,200 | 3,431 |
| Average earning assets | $145,768,000 | 3,576 |
| Average equity | $14,070,600 | 4,052 |
| Average total loans | $106,053,000 | 3,323 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,903 |
| Cost of funding earning assets | 1.6642% | 29 |
| Net interest margin | 2.3939% | 6,523 |
| Noninterest income to average assets | 0.7381% | 2,422 |
| Noninterest expense to average assets | 2.7577% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0541% | 6,213 |
| Return on assets (ROA) | 0.0588% | 6,260 |
| Pretax return on assets | 0.0588% | 6,250 |
| Return on Equity (ROE) | 0.7094% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.7094% | 5,692 |
| Net charge-offs to loans | 0.1531% | 3,015 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.5565% | 4,675 |
| Efficiency ratio | 98.0753% | 525 |
| Assets per employee ($millions) | 8.6567% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0529% | 225 |
| Loan loss allowance to noncurrent loans | 51.7497% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 11.8550% | 93 |
| Noncurrent loans to loans | 7.8317% | 227 |
| Net loans and leases to total assets | 58.2364% | 3,975 |
| Net loans and leases to deposits | 94.0884% | 825 |
| Net loans and leases to core deposits | 94.6279% | 1,511 |
| Total domestic deposits to total assets | 61.8954% | 6,773 |
| Equity capital to assets | 8.1105% | 6,067 |
| Core capital (leverage) ratio | 8.5773% | 5,690 |
| Tier 1 risk-based capital ratio | 10.9430% | 6,303 |
| Total risk-based capital ratio | 12.2171% | 6,261 |
| Memoranda: | ||
| Average total assets | $169,993,250 | 3,447 |
| Average earning assets | $147,258,750 | 3,586 |
| Average equity | $14,097,000 | 4,092 |
| Average total loans | $107,985,750 | 3,307 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 3,734 |
| Cost of funding earning assets | 1.6698% | 34 |
| Net interest margin | 2.4303% | 6,525 |
| Noninterest income to average assets | 0.0166% | 6,751 |
| Noninterest expense to average assets | 2.7310% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6073% | 6,666 |
| Return on assets (ROA) | -0.5943% | 6,676 |
| Pretax return on assets | -0.5943% | 6,659 |
| Return on Equity (ROE) | -7.1128% | 6,690 |
| Retained earnings to average equity (ytd only) | -7.1128% | 6,574 |
| Net charge-offs to loans | 0.1799% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -5.2347% | 4,832 |
| Efficiency ratio | 128.5953% | 138 |
| Assets per employee ($millions) | 8.0346% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9425% | 269 |
| Loan loss allowance to noncurrent loans | 54.8937% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 12.0770% | 98 |
| Noncurrent loans to loans | 7.1820% | 326 |
| Net loans and leases to total assets | 61.8772% | 3,311 |
| Net loans and leases to deposits | 100.9964% | 377 |
| Net loans and leases to core deposits | 101.5969% | 971 |
| Total domestic deposits to total assets | 61.2668% | 6,826 |
| Equity capital to assets | 7.9235% | 6,252 |
| Core capital (leverage) ratio | 8.3359% | 5,840 |
| Tier 1 risk-based capital ratio | 10.6040% | 6,476 |
| Total risk-based capital ratio | 11.8791% | 6,440 |
| Memoranda: | ||
| Average total assets | $168,946,330 | 3,483 |
| Average earning assets | $146,483,000 | 3,622 |
| Average equity | $14,115,330 | 4,127 |
| Average total loans | $108,952,330 | 3,299 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,826 |
| Cost of funding earning assets | 1.6698% | 34 |
| Net interest margin | 2.4038% | 6,595 |
| Noninterest income to average assets | -0.0284% | 6,888 |
| Noninterest expense to average assets | 2.6405% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.5844% | 6,707 |
| Return on assets (ROA) | -0.5584% | 6,719 |
| Pretax return on assets | -0.5584% | 6,692 |
| Return on Equity (ROE) | -6.5155% | 6,731 |
| Retained earnings to average equity (ytd only) | -6.5155% | 6,443 |
| Net charge-offs to loans | 0.4144% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -2.1858% | 4,026 |
| Efficiency ratio | 128.4235% | 161 |
| Assets per employee ($millions) | 8.0224% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9458% | 300 |
| Loan loss allowance to noncurrent loans | 45.4942% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 12.8176% | 115 |
| Noncurrent loans to loans | 8.6732% | 286 |
| Net loans and leases to total assets | 61.7139% | 3,123 |
| Net loans and leases to deposits | 102.3679% | 269 |
| Net loans and leases to core deposits | 102.9875% | 773 |
| Total domestic deposits to total assets | 60.2863% | 6,911 |
| Equity capital to assets | 8.4940% | 6,023 |
| Core capital (leverage) ratio | 8.4391% | 5,657 |
| Tier 1 risk-based capital ratio | 10.9968% | 6,407 |
| Total risk-based capital ratio | 12.2727% | 6,369 |
| Memoranda: | ||
| Average total assets | $169,056,500 | 3,517 |
| Average earning assets | $146,600,000 | 3,650 |
| Average equity | $14,488,500 | 4,095 |
| Average total loans | $109,084,500 | 3,304 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 2,803 |
| Cost of funding earning assets | 1.7741% | 57 |
| Net interest margin | 2.8743% | 6,272 |
| Noninterest income to average assets | 0.0450% | 6,710 |
| Noninterest expense to average assets | 2.5898% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0695% | 6,256 |
| Return on assets (ROA) | 0.0752% | 6,191 |
| Pretax return on assets | 0.0752% | 6,190 |
| Return on Equity (ROE) | 0.8965% | 6,154 |
| Retained earnings to average equity (ytd only) | 0.8965% | 5,424 |
| Net charge-offs to loans | 1.5087% | 589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0699% | 5,522 |
| Efficiency ratio | 102.7596% | 474 |
| Assets per employee ($millions) | 8.0782% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9881% | 289 |
| Loan loss allowance to noncurrent loans | 55.2072% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 12.3584% | 127 |
| Noncurrent loans to loans | 7.2238% | 432 |
| Net loans and leases to total assets | 62.2157% | 3,215 |
| Net loans and leases to deposits | 99.9110% | 417 |
| Net loans and leases to core deposits | 101.1123% | 953 |
| Total domestic deposits to total assets | 62.2711% | 6,952 |
| Equity capital to assets | 8.6459% | 5,910 |
| Core capital (leverage) ratio | 8.3587% | 5,813 |
| Tier 1 risk-based capital ratio | 11.2710% | 6,231 |
| Total risk-based capital ratio | 12.5478% | 6,183 |
| Memoranda: | ||
| Average total assets | $175,419,000 | 3,372 |
| Average earning assets | $151,062,400 | 3,531 |
| Average equity | $14,724,600 | 4,022 |
| Average total loans | $115,729,600 | 3,169 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7442% | 2,606 |
| Cost of funding earning assets | 1.7620% | 69 |
| Net interest margin | 2.9822% | 6,199 |
| Noninterest income to average assets | 0.1289% | 6,489 |
| Noninterest expense to average assets | 2.5571% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1365% | 6,056 |
| Return on assets (ROA) | 0.3166% | 5,759 |
| Pretax return on assets | 0.3166% | 5,927 |
| Return on Equity (ROE) | 3.7994% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.7994% | 4,219 |
| Net charge-offs to loans | 1.4291% | 622 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1441% | 5,262 |
| Efficiency ratio | 94.9342% | 715 |
| Assets per employee ($millions) | 8.8481% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3276% | 240 |
| Loan loss allowance to noncurrent loans | 116.3801% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 10.4113% | 222 |
| Noncurrent loans to loans | 3.7185% | 1,432 |
| Net loans and leases to total assets | 60.8897% | 3,588 |
| Net loans and leases to deposits | 101.9635% | 350 |
| Net loans and leases to core deposits | 105.7959% | 751 |
| Total domestic deposits to total assets | 59.7171% | 7,067 |
| Equity capital to assets | 8.4832% | 6,276 |
| Core capital (leverage) ratio | 8.5101% | 5,734 |
| Tier 1 risk-based capital ratio | 11.4887% | 6,232 |
| Total risk-based capital ratio | 12.7703% | 6,187 |
| Memoranda: | ||
| Average total assets | $176,863,250 | 3,396 |
| Average earning assets | $152,097,750 | 3,551 |
| Average equity | $14,739,000 | 4,060 |
| Average total loans | $117,180,000 | 3,181 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 2,468 |
| Cost of funding earning assets | 1.7804% | 73 |
| Net interest margin | 3.0288% | 6,179 |
| Noninterest income to average assets | -0.1086% | 7,099 |
| Noninterest expense to average assets | 2.4441% | 5,313 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0486% | 6,258 |
| Return on assets (ROA) | 0.1357% | 6,242 |
| Pretax return on assets | 0.1357% | 6,249 |
| Return on Equity (ROE) | 1.6384% | 6,156 |
| Retained earnings to average equity (ytd only) | 1.6384% | 5,389 |
| Net charge-offs to loans | 1.2014% | 901 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.0603% | 5,052 |
| Efficiency ratio | 98.0490% | 621 |
| Assets per employee ($millions) | 7.8667% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7631% | 195 |
| Loan loss allowance to noncurrent loans | 63.0544% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 13.0371% | 147 |
| Noncurrent loans to loans | 7.5540% | 479 |
| Net loans and leases to total assets | 62.5829% | 3,317 |
| Net loans and leases to deposits | 102.3221% | 328 |
| Net loans and leases to core deposits | 106.1602% | 733 |
| Total domestic deposits to total assets | 61.1627% | 7,118 |
| Equity capital to assets | 8.5198% | 6,195 |
| Core capital (leverage) ratio | 8.3160% | 5,888 |
| Tier 1 risk-based capital ratio | 11.4507% | 6,248 |
| Total risk-based capital ratio | 12.7370% | 6,200 |
| Memoranda: | ||
| Average total assets | $176,830,670 | 3,411 |
| Average earning assets | $151,874,000 | 3,564 |
| Average equity | $14,648,000 | 4,062 |
| Average total loans | $118,698,330 | 3,162 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8723% | 2,346 |
| Cost of funding earning assets | 1.7922% | 88 |
| Net interest margin | 3.0801% | 6,106 |
| Noninterest income to average assets | -0.2865% | 7,222 |
| Noninterest expense to average assets | 2.1823% | 6,086 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1701% | 6,063 |
| Return on assets (ROA) | 0.2149% | 6,086 |
| Pretax return on assets | 0.2149% | 6,169 |
| Return on Equity (ROE) | 2.6302% | 5,853 |
| Retained earnings to average equity (ytd only) | 2.6302% | 4,943 |
| Net charge-offs to loans | 1.6504% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1520% | 4,294 |
| Efficiency ratio | 92.7688% | 895 |
| Assets per employee ($millions) | 8.4596% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7851% | 205 |
| Loan loss allowance to noncurrent loans | 68.9528% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 13.6481% | 144 |
| Noncurrent loans to loans | 6.9396% | 653 |
| Net loans and leases to total assets | 63.0607% | 3,029 |
| Net loans and leases to deposits | 101.8983% | 312 |
| Net loans and leases to core deposits | 105.5623% | 689 |
| Total domestic deposits to total assets | 61.8859% | 7,171 |
| Equity capital to assets | 8.2572% | 6,304 |
| Core capital (leverage) ratio | 8.0725% | 6,189 |
| Tier 1 risk-based capital ratio | 11.1103% | 6,488 |
| Total risk-based capital ratio | 12.3983% | 6,455 |
| Memoranda: | ||
| Average total assets | $178,712,000 | 3,401 |
| Average earning assets | $153,109,500 | 3,563 |
| Average equity | $14,599,500 | 4,072 |
| Average total loans | $121,183,500 | 3,128 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 2,646 |
| Cost of funding earning assets | 1.9071% | 143 |
| Net interest margin | 3.1441% | 6,235 |
| Noninterest income to average assets | -0.1858% | 7,151 |
| Noninterest expense to average assets | 2.5638% | 5,233 |
| Loan and lease loss provision to assets | 0.7374% | 1,378 |
| Net operating income to assets | -0.7545% | 6,635 |
| Return on assets (ROA) | -0.7342% | 6,655 |
| Pretax return on assets | -0.7342% | 6,614 |
| Return on Equity (ROE) | -9.8072% | 6,733 |
| Retained earnings to average equity (ytd only) | -9.8072% | 6,696 |
| Net charge-offs to loans | 3.3206% | 247 |
| Credit loss provision to net charge-offs | 29.9577% | 5,785 |
| Earnings coverage of net charge-offs (x) | -0.0070% | 5,830 |
| Efficiency ratio | 100.6743% | 648 |
| Assets per employee ($millions) | 8.5606% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9154% | 188 |
| Loan loss allowance to noncurrent loans | 60.3406% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 14.6863% | 135 |
| Noncurrent loans to loans | 8.1462% | 490 |
| Net loans and leases to total assets | 65.9604% | 2,792 |
| Net loans and leases to deposits | 105.7419% | 255 |
| Net loans and leases to core deposits | 110.1861% | 617 |
| Total domestic deposits to total assets | 62.3787% | 7,201 |
| Equity capital to assets | 8.0824% | 6,519 |
| Core capital (leverage) ratio | 7.7568% | 6,487 |
| Tier 1 risk-based capital ratio | 10.7734% | 6,569 |
| Total risk-based capital ratio | 12.0654% | 6,536 |
| Memoranda: | ||
| Average total assets | $192,173,600 | 3,156 |
| Average earning assets | $167,010,400 | 3,296 |
| Average equity | $14,387,400 | 4,033 |
| Average total loans | $142,446,000 | 2,746 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 2,723 |
| Cost of funding earning assets | 1.9207% | 166 |
| Net interest margin | 3.1567% | 6,266 |
| Noninterest income to average assets | -0.2253% | 7,283 |
| Noninterest expense to average assets | 2.5502% | 5,278 |
| Loan and lease loss provision to assets | 0.9675% | 900 |
| Net operating income to assets | -0.9914% | 6,882 |
| Return on assets (ROA) | -0.9648% | 6,905 |
| Pretax return on assets | -0.9648% | 6,864 |
| Return on Equity (ROE) | -13.1270% | 6,974 |
| Retained earnings to average equity (ytd only) | -13.1270% | 6,950 |
| Net charge-offs to loans | 2.9484% | 320 |
| Credit loss provision to net charge-offs | 43.6268% | 5,172 |
| Earnings coverage of net charge-offs (x) | -0.0108% | 5,610 |
| Efficiency ratio | 100.9459% | 638 |
| Assets per employee ($millions) | 8.6998% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6064% | 127 |
| Loan loss allowance to noncurrent loans | 58.0803% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 15.1082% | 127 |
| Noncurrent loans to loans | 9.6528% | 371 |
| Net loans and leases to total assets | 70.1508% | 2,058 |
| Net loans and leases to deposits | 112.2190% | 155 |
| Net loans and leases to core deposits | 114.2620% | 545 |
| Total domestic deposits to total assets | 62.5124% | 7,268 |
| Equity capital to assets | 8.0155% | 6,688 |
| Core capital (leverage) ratio | 7.6961% | 6,641 |
| Tier 1 risk-based capital ratio | 10.1958% | 6,895 |
| Total risk-based capital ratio | 11.4973% | 6,863 |
| Memoranda: | ||
| Average total assets | $195,273,750 | 3,129 |
| Average earning assets | $170,215,500 | 3,247 |
| Average equity | $14,351,750 | 4,063 |
| Average total loans | $146,880,250 | 2,709 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 2,937 |
| Cost of funding earning assets | 1.9206% | 188 |
| Net interest margin | 3.1280% | 6,344 |
| Noninterest income to average assets | -0.3549% | 7,397 |
| Noninterest expense to average assets | 2.5508% | 5,351 |
| Loan and lease loss provision to assets | 0.8934% | 1,003 |
| Net operating income to assets | -1.0508% | 6,956 |
| Return on assets (ROA) | -1.0117% | 6,954 |
| Pretax return on assets | -1.0117% | 6,897 |
| Return on Equity (ROE) | -14.1571% | 7,041 |
| Retained earnings to average equity (ytd only) | -14.1571% | 7,009 |
| Net charge-offs to loans | 2.2287% | 578 |
| Credit loss provision to net charge-offs | 53.0989% | 4,507 |
| Earnings coverage of net charge-offs (x) | -0.0936% | 5,340 |
| Efficiency ratio | 106.5773% | 546 |
| Assets per employee ($millions) | 7.5027% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9911% | 94 |
| Loan loss allowance to noncurrent loans | 50.5814% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 16.0140% | 122 |
| Noncurrent loans to loans | 11.8445% | 264 |
| Net loans and leases to total assets | 72.4136% | 1,702 |
| Net loans and leases to deposits | 112.2986% | 150 |
| Net loans and leases to core deposits | 114.4552% | 563 |
| Total domestic deposits to total assets | 64.4831% | 7,301 |
| Equity capital to assets | 7.4795% | 6,958 |
| Core capital (leverage) ratio | 7.3157% | 6,854 |
| Tier 1 risk-based capital ratio | 9.7267% | 7,049 |
| Total risk-based capital ratio | 11.0361% | 7,036 |
| Memoranda: | ||
| Average total assets | $199,466,670 | 3,105 |
| Average earning assets | $175,255,000 | 3,191 |
| Average equity | $14,254,330 | 4,075 |
| Average total loans | $150,582,330 | 2,673 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 2,938 |
| Cost of funding earning assets | 1.9330% | 218 |
| Net interest margin | 3.1004% | 6,350 |
| Noninterest income to average assets | -0.5277% | 7,500 |
| Noninterest expense to average assets | 2.3815% | 5,946 |
| Loan and lease loss provision to assets | 0.5452% | 1,586 |
| Net operating income to assets | -0.7341% | 6,928 |
| Return on assets (ROA) | -0.7322% | 6,935 |
| Pretax return on assets | -0.7322% | 6,884 |
| Return on Equity (ROE) | -10.4684% | 7,039 |
| Retained earnings to average equity (ytd only) | -10.4684% | 6,889 |
| Net charge-offs to loans | 4.4964% | 187 |
| Credit loss provision to net charge-offs | 16.2131% | 4,308 |
| Earnings coverage of net charge-offs (x) | -0.0562% | 4,620 |
| Efficiency ratio | 108.6146% | 527 |
| Assets per employee ($millions) | 7.7797% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4217% | 147 |
| Loan loss allowance to noncurrent loans | 46.4776% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 15.0817% | 156 |
| Noncurrent loans to loans | 11.6652% | 296 |
| Net loans and leases to total assets | 68.9596% | 2,334 |
| Net loans and leases to deposits | 102.8013% | 352 |
| Net loans and leases to core deposits | 105.0900% | 992 |
| Total domestic deposits to total assets | 67.0805% | 7,297 |
| Equity capital to assets | 7.0524% | 7,071 |
| Core capital (leverage) ratio | 7.2802% | 6,873 |
| Tier 1 risk-based capital ratio | 10.0373% | 6,990 |
| Total risk-based capital ratio | 11.3402% | 6,975 |
| Memoranda: | ||
| Average total assets | $205,416,500 | 3,043 |
| Average earning assets | $180,237,500 | 3,143 |
| Average equity | $14,367,000 | 4,033 |
| Average total loans | $153,633,500 | 2,653 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1820% | 3,692 |
| Cost of funding earning assets | 2.2015% | 304 |
| Net interest margin | 2.9805% | 6,769 |
| Noninterest income to average assets | 0.0594% | 7,067 |
| Noninterest expense to average assets | 2.4360% | 5,991 |
| Loan and lease loss provision to assets | 3.8930% | 169 |
| Net operating income to assets | -3.5768% | 7,383 |
| Return on assets (ROA) | -3.3542% | 7,369 |
| Pretax return on assets | -3.3542% | 7,347 |
| Return on Equity (ROE) | -40.0793% | 7,349 |
| Retained earnings to average equity (ytd only) | -40.0793% | 7,342 |
| Net charge-offs to loans | 3.7764% | 353 |
| Credit loss provision to net charge-offs | 128.9011% | 3,097 |
| Earnings coverage of net charge-offs (x) | 0.1047% | 6,019 |
| Efficiency ratio | 88.5131% | 1,439 |
| Assets per employee ($millions) | 7.4486% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9098% | 113 |
| Loan loss allowance to noncurrent loans | 46.9521% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 15.7062% | 141 |
| Noncurrent loans to loans | 12.5869% | 254 |
| Net loans and leases to total assets | 72.0854% | 2,087 |
| Net loans and leases to deposits | 106.8218% | 297 |
| Net loans and leases to core deposits | 112.6985% | 784 |
| Total domestic deposits to total assets | 67.4819% | 7,341 |
| Equity capital to assets | 6.9375% | 7,133 |
| Core capital (leverage) ratio | 7.2256% | 6,893 |
| Tier 1 risk-based capital ratio | 9.5366% | 7,131 |
| Total risk-based capital ratio | 10.8454% | 7,117 |
| Memoranda: | ||
| Average total assets | $222,374,800 | 2,837 |
| Average earning assets | $200,905,200 | 2,867 |
| Average equity | $18,610,600 | 3,333 |
| Average total loans | $177,843,000 | 2,379 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 3,867 |
| Cost of funding earning assets | 2.2242% | 357 |
| Net interest margin | 2.9682% | 6,896 |
| Noninterest income to average assets | -0.0278% | 7,481 |
| Noninterest expense to average assets | 2.3581% | 6,156 |
| Loan and lease loss provision to assets | 4.5378% | 120 |
| Net operating income to assets | -4.2173% | 7,585 |
| Return on assets (ROA) | -4.1559% | 7,596 |
| Pretax return on assets | -4.1559% | 7,580 |
| Return on Equity (ROE) | -47.7710% | 7,546 |
| Retained earnings to average equity (ytd only) | -47.7710% | 7,543 |
| Net charge-offs to loans | 2.3119% | 769 |
| Credit loss provision to net charge-offs | 243.0740% | 1,386 |
| Earnings coverage of net charge-offs (x) | 0.1717% | 5,849 |
| Efficiency ratio | 88.0317% | 1,445 |
| Assets per employee ($millions) | 7.4775% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2058% | 55 |
| Loan loss allowance to noncurrent loans | 50.8112% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 18.0036% | 90 |
| Noncurrent loans to loans | 14.1815% | 181 |
| Net loans and leases to total assets | 73.9689% | 1,812 |
| Net loans and leases to deposits | 109.8877% | 257 |
| Net loans and leases to core deposits | 121.1023% | 576 |
| Total domestic deposits to total assets | 67.3132% | 7,410 |
| Equity capital to assets | 7.2685% | 7,242 |
| Core capital (leverage) ratio | 6.9055% | 7,208 |
| Tier 1 risk-based capital ratio | 8.8710% | 7,385 |
| Total risk-based capital ratio | 10.1952% | 7,392 |
| Memoranda: | ||
| Average total assets | $225,828,250 | 2,842 |
| Average earning assets | $205,907,750 | 2,836 |
| Average equity | $19,646,000 | 3,236 |
| Average total loans | $182,357,500 | 2,367 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 3,528 |
| Cost of funding earning assets | 2.2401% | 412 |
| Net interest margin | 3.0469% | 6,733 |
| Noninterest income to average assets | 0.0208% | 7,461 |
| Noninterest expense to average assets | 2.2653% | 6,455 |
| Loan and lease loss provision to assets | 2.6112% | 425 |
| Net operating income to assets | -2.0474% | 7,318 |
| Return on assets (ROA) | -2.0085% | 7,315 |
| Pretax return on assets | -2.0085% | 7,241 |
| Return on Equity (ROE) | -21.9960% | 7,319 |
| Retained earnings to average equity (ytd only) | -21.9960% | 7,304 |
| Net charge-offs to loans | 2.0681% | 874 |
| Credit loss provision to net charge-offs | 155.7504% | 2,530 |
| Earnings coverage of net charge-offs (x) | 0.3363% | 5,389 |
| Efficiency ratio | 80.0733% | 2,436 |
| Assets per employee ($millions) | 6.8852% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8065% | 201 |
| Loan loss allowance to noncurrent loans | 48.8225% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 12.4522% | 247 |
| Noncurrent loans to loans | 9.8449% | 456 |
| Net loans and leases to total assets | 79.6416% | 854 |
| Net loans and leases to deposits | 120.1814% | 117 |
| Net loans and leases to core deposits | 134.0919% | 362 |
| Total domestic deposits to total assets | 66.2678% | 7,518 |
| Equity capital to assets | 9.2518% | 5,077 |
| Core capital (leverage) ratio | 8.5533% | 5,316 |
| Tier 1 risk-based capital ratio | 11.7386% | 5,553 |
| Total risk-based capital ratio | 13.0372% | 5,467 |
| Memoranda: | ||
| Average total assets | $231,314,670 | 2,788 |
| Average earning assets | $213,202,670 | 2,771 |
| Average equity | $21,122,000 | 3,022 |
| Average total loans | $187,512,000 | 2,337 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3231% | 3,432 |
| Cost of funding earning assets | 2.2449% | 506 |
| Net interest margin | 3.0782% | 6,649 |
| Noninterest income to average assets | -0.1765% | 7,796 |
| Noninterest expense to average assets | 2.1344% | 6,853 |
| Loan and lease loss provision to assets | 0.9490% | 1,326 |
| Net operating income to assets | -0.4062% | 6,764 |
| Return on assets (ROA) | -0.3796% | 6,785 |
| Pretax return on assets | -0.3796% | 6,705 |
| Return on Equity (ROE) | -4.1817% | 6,838 |
| Retained earnings to average equity (ytd only) | -4.1817% | 6,523 |
| Net charge-offs to loans | 0.9751% | 1,676 |
| Credit loss provision to net charge-offs | 121.7949% | 2,874 |
| Earnings coverage of net charge-offs (x) | 0.6966% | 4,406 |
| Efficiency ratio | 79.7264% | 2,610 |
| Assets per employee ($millions) | 7.0432% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0632% | 356 |
| Loan loss allowance to noncurrent loans | 70.1541% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 8.1988% | 594 |
| Noncurrent loans to loans | 5.7919% | 1,168 |
| Net loans and leases to total assets | 77.2455% | 1,291 |
| Net loans and leases to deposits | 114.1142% | 210 |
| Net loans and leases to core deposits | 132.5897% | 426 |
| Total domestic deposits to total assets | 67.6914% | 7,545 |
| Equity capital to assets | 9.3506% | 4,759 |
| Core capital (leverage) ratio | 8.9057% | 4,720 |
| Tier 1 risk-based capital ratio | 11.8120% | 5,381 |
| Total risk-based capital ratio | 13.0983% | 5,295 |
| Memoranda: | ||
| Average total assets | $240,252,000 | 2,763 |
| Average earning assets | $222,727,000 | 2,703 |
| Average equity | $21,809,500 | 2,971 |
| Average total loans | $191,983,000 | 2,351 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5984% | 3,620 |
| Cost of funding earning assets | 2.6385% | 694 |
| Net interest margin | 2.9600% | 6,733 |
| Noninterest income to average assets | 0.2823% | 6,085 |
| Noninterest expense to average assets | 2.1627% | 7,061 |
| Loan and lease loss provision to assets | 3.0683% | 558 |
| Net operating income to assets | -2.1646% | 7,153 |
| Return on assets (ROA) | -2.0503% | 7,110 |
| Pretax return on assets | -2.0742% | 6,970 |
| Return on Equity (ROE) | -21.1875% | 7,177 |
| Retained earnings to average equity (ytd only) | -21.1875% | 7,149 |
| Net charge-offs to loans | 2.5378% | 905 |
| Credit loss provision to net charge-offs | 150.4735% | 3,082 |
| Earnings coverage of net charge-offs (x) | 0.4309% | 5,672 |
| Efficiency ratio | 71.1111% | 4,427 |
| Assets per employee ($millions) | 7.5176% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8115% | 404 |
| Loan loss allowance to noncurrent loans | 56.4952% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 7.6629% | 620 |
| Noncurrent loans to loans | 6.7466% | 869 |
| Net loans and leases to total assets | 76.3153% | 1,726 |
| Net loans and leases to deposits | 109.3986% | 402 |
| Net loans and leases to core deposits | 134.3669% | 1,032 |
| Total domestic deposits to total assets | 69.7589% | 7,445 |
| Equity capital to assets | 8.8222% | 5,394 |
| Core capital (leverage) ratio | 8.5884% | 5,117 |
| Tier 1 risk-based capital ratio | 11.4345% | 5,468 |
| Total risk-based capital ratio | 12.7180% | 5,393 |
| Memoranda: | ||
| Average total assets | $258,937,400 | 2,525 |
| Average earning assets | $241,353,800 | 2,491 |
| Average equity | $25,057,200 | 2,605 |
| Average total loans | $208,052,600 | 2,223 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6517% | 3,565 |
| Cost of funding earning assets | 2.7129% | 767 |
| Net interest margin | 2.9388% | 6,752 |
| Noninterest income to average assets | 0.3705% | 5,550 |
| Noninterest expense to average assets | 2.2559% | 6,819 |
| Loan and lease loss provision to assets | 3.0065% | 489 |
| Net operating income to assets | -2.1204% | 7,365 |
| Return on assets (ROA) | -2.0225% | 7,328 |
| Pretax return on assets | -2.0541% | 7,208 |
| Return on Equity (ROE) | -20.4715% | 7,387 |
| Retained earnings to average equity (ytd only) | -20.4715% | 7,353 |
| Net charge-offs to loans | 2.7139% | 664 |
| Credit loss provision to net charge-offs | 137.4651% | 3,601 |
| Earnings coverage of net charge-offs (x) | 0.3898% | 5,637 |
| Efficiency ratio | 72.5738% | 4,134 |
| Assets per employee ($millions) | 7.6538% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1879% | 570 |
| Loan loss allowance to noncurrent loans | 55.6659% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 6.7567% | 729 |
| Noncurrent loans to loans | 5.7269% | 1,070 |
| Net loans and leases to total assets | 75.2122% | 2,187 |
| Net loans and leases to deposits | 107.7224% | 572 |
| Net loans and leases to core deposits | 138.3737% | 994 |
| Total domestic deposits to total assets | 69.8204% | 7,430 |
| Equity capital to assets | 8.9256% | 5,598 |
| Core capital (leverage) ratio | 8.6290% | 5,261 |
| Tier 1 risk-based capital ratio | 11.6911% | 5,252 |
| Total risk-based capital ratio | 12.9608% | 5,179 |
| Memoranda: | ||
| Average total assets | $261,651,750 | 2,515 |
| Average earning assets | $243,766,250 | 2,478 |
| Average equity | $25,850,000 | 2,562 |
| Average total loans | $210,859,500 | 2,206 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8367% | 2,866 |
| Cost of funding earning assets | 2.7725% | 853 |
| Net interest margin | 3.0641% | 6,353 |
| Noninterest income to average assets | 0.4708% | 4,705 |
| Noninterest expense to average assets | 2.2119% | 7,025 |
| Loan and lease loss provision to assets | 2.4416% | 645 |
| Net operating income to assets | -1.3360% | 7,179 |
| Return on assets (ROA) | -1.2162% | 7,128 |
| Pretax return on assets | -1.2086% | 6,946 |
| Return on Equity (ROE) | -11.9292% | 7,172 |
| Retained earnings to average equity (ytd only) | -11.9292% | 7,055 |
| Net charge-offs to loans | 2.3101% | 771 |
| Credit loss provision to net charge-offs | 129.6071% | 3,587 |
| Earnings coverage of net charge-offs (x) | 0.5909% | 5,121 |
| Efficiency ratio | 66.5213% | 5,454 |
| Assets per employee ($millions) | 7.1622% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6210% | 805 |
| Loan loss allowance to noncurrent loans | 46.9200% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 6.3125% | 744 |
| Noncurrent loans to loans | 5.5860% | 1,030 |
| Net loans and leases to total assets | 78.0649% | 1,728 |
| Net loans and leases to deposits | 112.3242% | 464 |
| Net loans and leases to core deposits | 144.5950% | 816 |
| Total domestic deposits to total assets | 69.4996% | 7,514 |
| Equity capital to assets | 9.5819% | 4,508 |
| Core capital (leverage) ratio | 9.8325% | 3,476 |
| Tier 1 risk-based capital ratio | 11.7556% | 5,141 |
| Total risk-based capital ratio | 13.0219% | 5,047 |
| Memoranda: | ||
| Average total assets | $262,126,000 | 2,519 |
| Average earning assets | $244,181,000 | 2,488 |
| Average equity | $26,724,330 | 2,501 |
| Average total loans | $213,756,330 | 2,212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9913% | 2,398 |
| Cost of funding earning assets | 2.9354% | 708 |
| Net interest margin | 3.0559% | 6,321 |
| Noninterest income to average assets | 0.4450% | 4,832 |
| Noninterest expense to average assets | 2.1313% | 7,050 |
| Loan and lease loss provision to assets | 0.9206% | 1,413 |
| Net operating income to assets | 0.2246% | 5,583 |
| Return on assets (ROA) | 0.3867% | 5,087 |
| Pretax return on assets | 0.4020% | 5,390 |
| Return on Equity (ROE) | 3.6801% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.6801% | 3,857 |
| Net charge-offs to loans | 0.0149% | 5,380 |
| Credit loss provision to net charge-offs | 7,500.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 452 |
| Efficiency ratio | 64.8762% | 5,523 |
| Assets per employee ($millions) | 6.3039% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5463% | 728 |
| Loan loss allowance to noncurrent loans | 134.0494% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 4.3380% | 1,127 |
| Noncurrent loans to loans | 1.8995% | 3,415 |
| Net loans and leases to total assets | 80.3922% | 1,316 |
| Net loans and leases to deposits | 117.8125% | 339 |
| Net loans and leases to core deposits | 157.8108% | 529 |
| Total domestic deposits to total assets | 68.2374% | 7,580 |
| Equity capital to assets | 10.6273% | 3,351 |
| Core capital (leverage) ratio | 10.2062% | 3,192 |
| Tier 1 risk-based capital ratio | 12.3683% | 4,643 |
| Total risk-based capital ratio | 13.6335% | 4,555 |
| Memoranda: | ||
| Average total assets | $260,689,000 | 2,541 |
| Average earning assets | $242,285,000 | 2,516 |
| Average equity | $27,390,500 | 2,462 |
| Average total loans | $214,414,500 | 2,226 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2182% | 4,422 |
| Cost of funding earning assets | 3.2978% | 938 |
| Net interest margin | 2.9203% | 7,108 |
| Noninterest income to average assets | 0.2483% | 6,669 |
| Noninterest expense to average assets | 2.0397% | 7,370 |
| Loan and lease loss provision to assets | 0.3929% | 3,340 |
| Net operating income to assets | 0.5555% | 4,502 |
| Return on assets (ROA) | 0.5910% | 4,209 |
| Pretax return on assets | 0.6115% | 4,658 |
| Return on Equity (ROE) | 6.4831% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.1369% | 1,941 |
| Net charge-offs to loans | 0.4726% | 2,469 |
| Credit loss provision to net charge-offs | 101.1080% | 5,253 |
| Earnings coverage of net charge-offs (x) | 2.4903% | 4,826 |
| Efficiency ratio | 67.8201% | 4,752 |
| Assets per employee ($millions) | 6.4127% | 920 |
| Cash dividends to net income (ytd only)* | 20.7650% | 4,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2433% | 909 |
| Loan loss allowance to noncurrent loans | 82.2899% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 4.0309% | 1,015 |
| Noncurrent loans to loans | 2.7261% | 1,991 |
| Net loans and leases to total assets | 80.1700% | 1,619 |
| Net loans and leases to deposits | 115.9238% | 526 |
| Net loans and leases to core deposits | 150.4926% | 838 |
| Total domestic deposits to total assets | 69.1575% | 7,363 |
| Equity capital to assets | 10.3887% | 3,628 |
| Core capital (leverage) ratio | 10.0681% | 3,384 |
| Tier 1 risk-based capital ratio | 12.4612% | 4,465 |
| Total risk-based capital ratio | 13.7236% | 4,355 |
| Memoranda: | ||
| Average total assets | $278,667,600 | 2,321 |
| Average earning assets | $263,293,000 | 2,262 |
| Average equity | $25,404,400 | 2,611 |
| Average total loans | $229,157,800 | 2,054 |