Home > First National Bank of Brookfield > Performance and Condition Ratios
First National Bank of Brookfield, 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 | 5.9142% | 709 |
| Cost of funding earning assets | 1.6024% | 1,684 |
| Net interest margin | 4.3118% | 797 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.8274% | 3,957 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.6594% | 782 |
| Return on assets (ROA) | 1.6594% | 754 |
| Pretax return on assets | 2.3804% | 383 |
| Return on Equity (ROE) | 15.7700% | 1,139 |
| Retained earnings to average equity (ytd only) | 15.7674% | 283 |
| Net charge-offs to loans | 0.0290% | 1,720 |
| Credit loss provision to net charge-offs | 697.6744% | 531 |
| Earnings coverage of net charge-offs (x) | 103.7209% | 886 |
| Efficiency ratio | 41.7260% | 4,324 |
| Assets per employee ($millions) | 9.3695% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 785 |
| 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 | 83.3800% | 316 |
| Net loans and leases to deposits | 110.1307% | 195 |
| Net loans and leases to core deposits | 124.2801% | 527 |
| Total domestic deposits to total assets | 75.7100% | 3,970 |
| Equity capital to assets | 11.4605% | 1,299 |
| Core capital (leverage) ratio | 11.0728% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3737% | 1,732 |
| Memoranda: | ||
| Average total assets | $349,519,800 | 2,199 |
| Average earning assets | $338,609,200 | 2,132 |
| Average equity | $36,784,800 | 1,991 |
| Average total loans | $296,947,400 | 1,801 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7769% | 710 |
| Cost of funding earning assets | 1.4918% | 1,632 |
| Net interest margin | 4.2851% | 816 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.8224% | 3,935 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.6484% | 864 |
| Return on assets (ROA) | 1.6484% | 856 |
| Pretax return on assets | 2.3622% | 445 |
| Return on Equity (ROE) | 16.0200% | 1,254 |
| Retained earnings to average equity (ytd only) | 16.0151% | 455 |
| Net charge-offs to loans | 0.0685% | 991 |
| Credit loss provision to net charge-offs | 294.1176% | 901 |
| Earnings coverage of net charge-offs (x) | 43.4967% | 1,399 |
| Efficiency ratio | 41.8371% | 4,312 |
| Assets per employee ($millions) | 10.1817% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,038 |
| 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 | 82.8000% | 375 |
| Net loans and leases to deposits | 111.7691% | 173 |
| Net loans and leases to core deposits | 117.9042% | 609 |
| Total domestic deposits to total assets | 74.0800% | 4,154 |
| Equity capital to assets | 10.7344% | 1,460 |
| Core capital (leverage) ratio | 10.5821% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7024% | 2,003 |
| Memoranda: | ||
| Average total assets | $350,232,250 | 2,198 |
| Average earning assets | $339,273,250 | 2,134 |
| Average equity | $36,048,500 | 2,008 |
| Average total loans | $297,726,000 | 1,799 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5938% | 738 |
| Cost of funding earning assets | 1.3296% | 1,633 |
| Net interest margin | 4.2641% | 847 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.8151% | 3,966 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.6359% | 895 |
| Return on assets (ROA) | 1.6359% | 899 |
| Pretax return on assets | 2.3539% | 431 |
| Return on Equity (ROE) | 16.1300% | 1,242 |
| Retained earnings to average equity (ytd only) | 16.1297% | 462 |
| Net charge-offs to loans | 0.1091% | 641 |
| Credit loss provision to net charge-offs | 185.1852% | 1,084 |
| Earnings coverage of net charge-offs (x) | 27.1481% | 1,594 |
| Efficiency ratio | 41.8100% | 4,344 |
| Assets per employee ($millions) | 9.8231% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 1,316 |
| 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 | 84.4400% | 244 |
| Net loans and leases to deposits | 113.5964% | 154 |
| Net loans and leases to core deposits | 118.2492% | 560 |
| Total domestic deposits to total assets | 74.3300% | 4,171 |
| Equity capital to assets | 10.3975% | 1,636 |
| Core capital (leverage) ratio | 10.1570% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0710% | 2,270 |
| Memoranda: | ||
| Average total assets | $348,190,000 | 2,212 |
| Average earning assets | $337,090,333 | 2,152 |
| Average equity | $35,313,667 | 2,049 |
| Average total loans | $297,086,000 | 1,790 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 827 |
| Cost of funding earning assets | 1.0538% | 1,873 |
| Net interest margin | 4.2499% | 876 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.8282% | 3,979 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.5341% | 1,104 |
| Return on assets (ROA) | 1.5341% | 1,090 |
| Pretax return on assets | 2.2578% | 522 |
| Return on Equity (ROE) | 15.3200% | 1,490 |
| Retained earnings to average equity (ytd only) | 15.3241% | 753 |
| Net charge-offs to loans | -0.0122% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.9193% | 4,343 |
| Assets per employee ($millions) | 9.9859% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,288 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 81.5200% | 419 |
| Net loans and leases to deposits | 110.8133% | 172 |
| Net loans and leases to core deposits | 112.9138% | 618 |
| Total domestic deposits to total assets | 73.5700% | 4,304 |
| Equity capital to assets | 9.8055% | 1,930 |
| Core capital (leverage) ratio | 10.4141% | 2,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5386% | 2,562 |
| Memoranda: | ||
| Average total assets | $345,468,500 | 2,252 |
| Average earning assets | $334,032,000 | 2,196 |
| Average equity | $34,586,000 | 2,092 |
| Average total loans | $294,117,500 | 1,818 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 821 |
| Cost of funding earning assets | 0.4403% | 1,786 |
| Net interest margin | 3.9973% | 789 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.9561% | 3,692 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.4529% | 1,000 |
| Return on assets (ROA) | 1.4529% | 957 |
| Pretax return on assets | 2.1180% | 366 |
| Return on Equity (ROE) | 14.7100% | 1,338 |
| Retained earnings to average equity (ytd only) | 14.7100% | 316 |
| Net charge-offs to loans | -0.0760% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 45.7246% | 4,361 |
| Assets per employee ($millions) | 9.4699% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 1,281 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 86.4200% | 133 |
| Net loans and leases to deposits | 113.4976% | 119 |
| Net loans and leases to core deposits | 115.5926% | 450 |
| Total domestic deposits to total assets | 76.1400% | 4,245 |
| Equity capital to assets | 10.2345% | 1,594 |
| Core capital (leverage) ratio | 10.2463% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4712% | 2,580 |
| Memoranda: | ||
| Average total assets | $318,749,000 | 2,360 |
| Average earning assets | $309,105,400 | 2,283 |
| Average equity | $31,482,000 | 2,274 |
| Average total loans | $261,931,600 | 1,888 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 935 |
| Cost of funding earning assets | 0.3613% | 1,608 |
| Net interest margin | 3.8130% | 936 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.9828% | 3,528 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.3748% | 1,157 |
| Return on assets (ROA) | 1.3748% | 1,128 |
| Pretax return on assets | 1.9684% | 495 |
| Return on Equity (ROE) | 14.0500% | 1,416 |
| Retained earnings to average equity (ytd only) | 14.0534% | 456 |
| Net charge-offs to loans | -0.0994% | 4,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.6220% | 4,240 |
| Assets per employee ($millions) | 8.7867% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 1,660 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 1,812 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 88.2900% | 54 |
| Net loans and leases to deposits | 107.6061% | 158 |
| Net loans and leases to core deposits | 109.3024% | 489 |
| Total domestic deposits to total assets | 82.0500% | 3,834 |
| Equity capital to assets | 10.2883% | 1,473 |
| Core capital (leverage) ratio | 10.0872% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5309% | 2,645 |
| Memoranda: | ||
| Average total assets | $315,574,750 | 2,392 |
| Average earning assets | $305,929,000 | 2,319 |
| Average equity | $30,872,000 | 2,329 |
| Average total loans | $254,733,250 | 1,919 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 1,137 |
| Cost of funding earning assets | 0.3497% | 1,262 |
| Net interest margin | 3.5346% | 1,217 |
| Noninterest income to average assets | 0.4180% | 2,644 |
| Noninterest expense to average assets | 1.9332% | 3,622 |
| Loan and lease loss provision to assets | 0.0951% | 1,045 |
| Net operating income to assets | 1.2933% | 1,153 |
| Return on assets (ROA) | 1.2933% | 1,136 |
| Pretax return on assets | 1.8197% | 568 |
| Return on Equity (ROE) | 13.4522% | 1,254 |
| Retained earnings to average equity (ytd only) | 13.4522% | 414 |
| Net charge-offs to loans | -0.0661% | 4,330 |
| Credit loss provision to net charge-offs | -185.1852% | 3,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2390% | 4,231 |
| Assets per employee ($millions) | 8.7470% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 1,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 1,868 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 84.8504% | 141 |
| Net loans and leases to deposits | 102.9856% | 187 |
| Net loans and leases to core deposits | 104.6085% | 487 |
| Total domestic deposits to total assets | 82.3905% | 3,956 |
| Equity capital to assets | 9.9516% | 1,739 |
| Core capital (leverage) ratio | 9.6846% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8078% | 2,566 |
| Memoranda: | ||
| Average total assets | $315,325,667 | 2,409 |
| Average earning assets | $306,004,333 | 2,345 |
| Average equity | $30,314,667 | 2,399 |
| Average total loans | $245,238,000 | 1,964 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 1,527 |
| Cost of funding earning assets | 0.3603% | 1,128 |
| Net interest margin | 3.2309% | 1,780 |
| Noninterest income to average assets | 0.4564% | 2,375 |
| Noninterest expense to average assets | 1.9167% | 3,645 |
| Loan and lease loss provision to assets | 0.0634% | 1,281 |
| Net operating income to assets | 1.1574% | 1,359 |
| Return on assets (ROA) | 1.1574% | 1,360 |
| Pretax return on assets | 1.6137% | 807 |
| Return on Equity (ROE) | 12.2536% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.2536% | 566 |
| Net charge-offs to loans | -0.1136% | 4,490 |
| Credit loss provision to net charge-offs | -75.7576% | 2,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3333% | 4,099 |
| Assets per employee ($millions) | 9.0265% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 1,983 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 74.4746% | 625 |
| Net loans and leases to deposits | 91.8645% | 434 |
| Net loans and leases to core deposits | 93.2339% | 766 |
| Total domestic deposits to total assets | 81.0701% | 4,193 |
| Equity capital to assets | 9.5718% | 2,229 |
| Core capital (leverage) ratio | 9.6014% | 2,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7853% | 2,311 |
| Memoranda: | ||
| Average total assets | $315,542,000 | 2,420 |
| Average earning assets | $306,416,500 | 2,357 |
| Average equity | $29,803,500 | 2,490 |
| Average total loans | $232,431,000 | 2,030 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 1,701 |
| Cost of funding earning assets | 0.4682% | 1,071 |
| Net interest margin | 3.4009% | 2,030 |
| Noninterest income to average assets | 0.7594% | 1,567 |
| Noninterest expense to average assets | 2.1705% | 3,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3728% | 1,366 |
| Return on assets (ROA) | 1.3728% | 1,417 |
| Pretax return on assets | 1.8803% | 764 |
| Return on Equity (ROE) | 14.7185% | 1,018 |
| Retained earnings to average equity (ytd only) | 14.7185% | 250 |
| Net charge-offs to loans | -0.1419% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5814% | 3,976 |
| Assets per employee ($millions) | 9.2693% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 2,113 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 70.6298% | 969 |
| Net loans and leases to deposits | 90.4313% | 549 |
| Net loans and leases to core deposits | 91.9327% | 884 |
| Total domestic deposits to total assets | 78.1032% | 4,384 |
| Equity capital to assets | 9.3182% | 3,297 |
| Core capital (leverage) ratio | 9.2630% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4785% | 2,059 |
| Memoranda: | ||
| Average total assets | $292,611,800 | 2,473 |
| Average earning assets | $283,185,600 | 2,414 |
| Average equity | $27,292,200 | 2,700 |
| Average total loans | $212,177,400 | 2,157 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 1,887 |
| Cost of funding earning assets | 0.4792% | 1,163 |
| Net interest margin | 3.3828% | 2,202 |
| Noninterest income to average assets | 0.7843% | 1,576 |
| Noninterest expense to average assets | 2.1892% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3608% | 1,652 |
| Return on assets (ROA) | 1.3608% | 1,710 |
| Pretax return on assets | 1.8649% | 1,009 |
| Return on Equity (ROE) | 14.5862% | 1,232 |
| Retained earnings to average equity (ytd only) | 14.5862% | 449 |
| Net charge-offs to loans | -0.0965% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9995% | 3,814 |
| Assets per employee ($millions) | 8.8702% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 2,322 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.6334% | 1,115 |
| Net loans and leases to deposits | 89.0546% | 655 |
| Net loans and leases to core deposits | 90.4584% | 1,009 |
| Total domestic deposits to total assets | 78.1918% | 4,403 |
| Equity capital to assets | 9.1143% | 3,730 |
| Core capital (leverage) ratio | 9.2602% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3917% | 2,208 |
| Memoranda: | ||
| Average total assets | $286,975,750 | 2,518 |
| Average earning assets | $277,400,000 | 2,469 |
| Average equity | $26,773,500 | 2,774 |
| Average total loans | $208,715,000 | 2,209 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 1,866 |
| Cost of funding earning assets | 0.5018% | 1,192 |
| Net interest margin | 3.3798% | 2,204 |
| Noninterest income to average assets | 0.6928% | 1,837 |
| Noninterest expense to average assets | 2.2261% | 2,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2667% | 1,968 |
| Return on assets (ROA) | 1.2667% | 2,042 |
| Pretax return on assets | 1.7288% | 1,412 |
| Return on Equity (ROE) | 13.4623% | 1,577 |
| Retained earnings to average equity (ytd only) | 13.4623% | 644 |
| Net charge-offs to loans | -0.1287% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2862% | 3,509 |
| Assets per employee ($millions) | 8.4455% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 2,392 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 72.2555% | 931 |
| Net loans and leases to deposits | 93.2412% | 485 |
| Net loans and leases to core deposits | 94.5593% | 879 |
| Total domestic deposits to total assets | 77.4931% | 4,478 |
| Equity capital to assets | 9.1835% | 3,621 |
| Core capital (leverage) ratio | 9.2520% | 3,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6592% | 2,489 |
| Memoranda: | ||
| Average total assets | $279,149,000 | 2,557 |
| Average earning assets | $269,428,000 | 2,508 |
| Average equity | $26,266,000 | 2,797 |
| Average total loans | $205,132,000 | 2,240 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 1,896 |
| Cost of funding earning assets | 0.5176% | 1,285 |
| Net interest margin | 3.3565% | 2,230 |
| Noninterest income to average assets | 0.7884% | 1,612 |
| Noninterest expense to average assets | 2.3032% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2564% | 1,955 |
| Return on assets (ROA) | 1.2564% | 2,034 |
| Pretax return on assets | 1.7215% | 1,445 |
| Return on Equity (ROE) | 13.1805% | 1,620 |
| Retained earnings to average equity (ytd only) | 13.1805% | 879 |
| Net charge-offs to loans | -0.1325% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2267% | 3,404 |
| Assets per employee ($millions) | 8.2034% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,395 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 2,529 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.3424% | 973 |
| Net loans and leases to deposits | 94.1189% | 487 |
| Net loans and leases to core deposits | 97.2827% | 831 |
| Total domestic deposits to total assets | 76.8628% | 4,529 |
| Equity capital to assets | 9.4086% | 3,285 |
| Core capital (leverage) ratio | 9.5434% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8182% | 2,363 |
| Memoranda: | ||
| Average total assets | $270,926,500 | 2,589 |
| Average earning assets | $261,224,000 | 2,544 |
| Average equity | $25,826,000 | 2,810 |
| Average total loans | $199,274,500 | 2,290 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 2,785 |
| Cost of funding earning assets | 0.7012% | 1,711 |
| Net interest margin | 3.2813% | 3,119 |
| Noninterest income to average assets | 0.0285% | 4,904 |
| Noninterest expense to average assets | 1.9908% | 4,154 |
| Loan and lease loss provision to assets | 0.0826% | 3,346 |
| Net operating income to assets | 1.1190% | 1,844 |
| Return on assets (ROA) | 1.1181% | 1,965 |
| Pretax return on assets | 1.1041% | 2,676 |
| Return on Equity (ROE) | 11.1911% | 1,559 |
| Retained earnings to average equity (ytd only) | 11.1911% | 417 |
| Net charge-offs to loans | -0.1226% | 4,840 |
| Credit loss provision to net charge-offs | -93.8967% | 3,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6365% | 3,029 |
| Assets per employee ($millions) | 7.9678% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 1,244 |
| Loan loss allowance to noncurrent loans | 156,600.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 2,080 |
| Noncurrent loans to loans | 0.0010% | 4,415 |
| Net loans and leases to total assets | 72.4297% | 1,235 |
| Net loans and leases to deposits | 97.5556% | 479 |
| Net loans and leases to core deposits | 102.9772% | 771 |
| Total domestic deposits to total assets | 74.2446% | 4,624 |
| Equity capital to assets | 9.6638% | 3,447 |
| Core capital (leverage) ratio | 9.5614% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0023% | 2,235 |
| Memoranda: | ||
| Average total assets | $242,010,600 | 2,635 |
| Average earning assets | $232,318,000 | 2,585 |
| Average equity | $24,180,000 | 2,864 |
| Average total loans | $173,694,600 | 2,459 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 3,095 |
| Cost of funding earning assets | 0.7244% | 1,879 |
| Net interest margin | 3.2324% | 3,390 |
| Noninterest income to average assets | -0.0084% | 5,005 |
| Noninterest expense to average assets | 1.8791% | 4,365 |
| Loan and lease loss provision to assets | 0.1128% | 2,914 |
| Net operating income to assets | 1.2433% | 1,509 |
| Return on assets (ROA) | 1.2422% | 1,630 |
| Pretax return on assets | 1.0992% | 2,749 |
| Return on Equity (ROE) | 12.3207% | 1,293 |
| Retained earnings to average equity (ytd only) | 12.3207% | 392 |
| Net charge-offs to loans | -0.1533% | 4,890 |
| Credit loss provision to net charge-offs | -103.0928% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7722% | 3,267 |
| Assets per employee ($millions) | 7.9963% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 830 |
| Loan loss allowance to noncurrent loans | 155,650.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,170 |
| Noncurrent loans to loans | 0.0011% | 4,467 |
| Net loans and leases to total assets | 68.8552% | 2,132 |
| Net loans and leases to deposits | 93.4476% | 965 |
| Net loans and leases to core deposits | 99.4014% | 1,208 |
| Total domestic deposits to total assets | 73.6832% | 4,590 |
| Equity capital to assets | 9.7373% | 3,485 |
| Core capital (leverage) ratio | 9.5675% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6645% | 1,947 |
| Memoranda: | ||
| Average total assets | $236,778,500 | 2,655 |
| Average earning assets | $227,114,000 | 2,598 |
| Average equity | $23,872,500 | 2,876 |
| Average total loans | $168,723,750 | 2,501 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,227 |
| Cost of funding earning assets | 0.7545% | 2,091 |
| Net interest margin | 3.2851% | 3,420 |
| Noninterest income to average assets | -0.0885% | 5,042 |
| Noninterest expense to average assets | 1.9357% | 4,355 |
| Loan and lease loss provision to assets | 0.1736% | 2,274 |
| Net operating income to assets | 1.3272% | 1,284 |
| Return on assets (ROA) | 1.3255% | 1,391 |
| Pretax return on assets | 0.9487% | 3,182 |
| Return on Equity (ROE) | 12.9821% | 1,102 |
| Retained earnings to average equity (ytd only) | 12.9821% | 352 |
| Net charge-offs to loans | -0.2119% | 4,952 |
| Credit loss provision to net charge-offs | -114.2857% | 3,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2624% | 2,920 |
| Assets per employee ($millions) | 7.7459% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8358% | 605 |
| Loan loss allowance to noncurrent loans | 103,133.3333% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 2,256 |
| Noncurrent loans to loans | 0.0018% | 4,524 |
| Net loans and leases to total assets | 66.7465% | 2,532 |
| Net loans and leases to deposits | 88.8443% | 1,473 |
| Net loans and leases to core deposits | 94.3938% | 1,707 |
| Total domestic deposits to total assets | 75.1276% | 4,507 |
| Equity capital to assets | 9.7761% | 3,399 |
| Core capital (leverage) ratio | 9.7170% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4000% | 1,664 |
| Memoranda: | ||
| Average total assets | $230,410,667 | 2,682 |
| Average earning assets | $220,816,333 | 2,622 |
| Average equity | $23,524,667 | 2,891 |
| Average total loans | $165,198,000 | 2,515 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,992 |
| Cost of funding earning assets | 0.8051% | 2,360 |
| Net interest margin | 3.4729% | 3,073 |
| Noninterest income to average assets | -0.3212% | 5,096 |
| Noninterest expense to average assets | 2.0570% | 4,298 |
| Loan and lease loss provision to assets | 0.3609% | 850 |
| Net operating income to assets | 1.6925% | 519 |
| Return on assets (ROA) | 1.6907% | 575 |
| Pretax return on assets | 0.5828% | 3,945 |
| Return on Equity (ROE) | 16.1754% | 403 |
| Retained earnings to average equity (ytd only) | 16.1754% | 140 |
| Net charge-offs to loans | -0.4085% | 5,009 |
| Credit loss provision to net charge-offs | -119.7605% | 3,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5096% | 2,584 |
| Assets per employee ($millions) | 7.2151% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 1,614 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 71.4939% | 2,001 |
| Net loans and leases to deposits | 95.0748% | 991 |
| Net loans and leases to core deposits | 103.6365% | 1,213 |
| Total domestic deposits to total assets | 75.1975% | 4,565 |
| Equity capital to assets | 10.2445% | 3,563 |
| Core capital (leverage) ratio | 10.3846% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3090% | 1,810 |
| Memoranda: | ||
| Average total assets | $221,681,500 | 2,701 |
| Average earning assets | $212,156,000 | 2,644 |
| Average equity | $23,171,000 | 2,909 |
| Average total loans | $163,528,000 | 2,505 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 2,855 |
| Cost of funding earning assets | 0.6711% | 3,310 |
| Net interest margin | 3.8552% | 2,317 |
| Noninterest income to average assets | 0.1637% | 4,671 |
| Noninterest expense to average assets | 2.3426% | 3,840 |
| Loan and lease loss provision to assets | 0.0307% | 3,399 |
| Net operating income to assets | 1.1242% | 2,356 |
| Return on assets (ROA) | 1.1222% | 2,461 |
| Pretax return on assets | 1.4241% | 2,070 |
| Return on Equity (ROE) | 10.1462% | 2,229 |
| Retained earnings to average equity (ytd only) | 10.1462% | 464 |
| Net charge-offs to loans | -0.2706% | 5,081 |
| Credit loss provision to net charge-offs | -15.9151% | 4,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6483% | 3,430 |
| Assets per employee ($millions) | 6.8542% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,194 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 73.5051% | 1,838 |
| Net loans and leases to deposits | 96.9768% | 841 |
| Net loans and leases to core deposits | 106.2209% | 1,098 |
| Total domestic deposits to total assets | 75.7967% | 4,621 |
| Equity capital to assets | 10.6782% | 3,274 |
| Core capital (leverage) ratio | 10.6998% | 2,759 |
| Tier 1 risk-based capital ratio | 14.9763% | 2,789 |
| Total risk-based capital ratio | 16.2336% | 2,721 |
| Memoranda: | ||
| Average total assets | $195,422,600 | 2,876 |
| Average earning assets | $184,321,000 | 2,844 |
| Average equity | $21,614,000 | 2,993 |
| Average total loans | $139,324,800 | 2,731 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 2,899 |
| Cost of funding earning assets | 0.6494% | 3,452 |
| Net interest margin | 3.8988% | 2,259 |
| Noninterest income to average assets | 0.1723% | 4,680 |
| Noninterest expense to average assets | 2.2417% | 4,087 |
| Loan and lease loss provision to assets | 0.0419% | 3,064 |
| Net operating income to assets | 1.2340% | 2,084 |
| Return on assets (ROA) | 1.2318% | 2,165 |
| Pretax return on assets | 1.5456% | 1,826 |
| Return on Equity (ROE) | 11.0311% | 2,008 |
| Retained earnings to average equity (ytd only) | 11.0311% | 521 |
| Net charge-offs to loans | -0.2985% | 5,150 |
| Credit loss provision to net charge-offs | -19.9336% | 3,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5002% | 3,863 |
| Assets per employee ($millions) | 6.6194% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9249% | 476 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.5003% | 2,708 |
| Net loans and leases to deposits | 91.0796% | 1,555 |
| Net loans and leases to core deposits | 97.9404% | 1,830 |
| Total domestic deposits to total assets | 75.2093% | 4,726 |
| Equity capital to assets | 10.8552% | 3,244 |
| Core capital (leverage) ratio | 11.2355% | 2,439 |
| Tier 1 risk-based capital ratio | 15.9875% | 2,430 |
| Total risk-based capital ratio | 17.2455% | 2,374 |
| Memoranda: | ||
| Average total assets | $191,158,500 | 2,939 |
| Average earning assets | $179,434,500 | 2,912 |
| Average equity | $21,345,250 | 3,038 |
| Average total loans | $134,430,500 | 2,808 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 2,765 |
| Cost of funding earning assets | 0.6305% | 3,507 |
| Net interest margin | 3.9418% | 2,114 |
| Noninterest income to average assets | 0.1780% | 4,678 |
| Noninterest expense to average assets | 2.2469% | 4,136 |
| Loan and lease loss provision to assets | 0.0644% | 2,529 |
| Net operating income to assets | 1.2394% | 2,011 |
| Return on assets (ROA) | 1.2377% | 2,070 |
| Pretax return on assets | 1.5594% | 1,667 |
| Return on Equity (ROE) | 10.9720% | 1,985 |
| Retained earnings to average equity (ytd only) | 10.9720% | 547 |
| Net charge-offs to loans | -0.4228% | 5,214 |
| Credit loss provision to net charge-offs | -21.5827% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0172% | 4,009 |
| Assets per employee ($millions) | 6.0616% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1021% | 421 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 68.3515% | 2,773 |
| Net loans and leases to deposits | 84.6599% | 2,412 |
| Net loans and leases to core deposits | 90.9522% | 2,516 |
| Total domestic deposits to total assets | 80.7366% | 3,885 |
| Equity capital to assets | 11.5262% | 2,588 |
| Core capital (leverage) ratio | 11.4818% | 2,185 |
| Tier 1 risk-based capital ratio | 16.9398% | 2,109 |
| Total risk-based capital ratio | 18.2002% | 2,043 |
| Memoranda: | ||
| Average total assets | $186,477,330 | 2,983 |
| Average earning assets | $174,792,670 | 2,975 |
| Average equity | $21,035,330 | 3,056 |
| Average total loans | $131,505,000 | 2,849 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 2,517 |
| Cost of funding earning assets | 0.6155% | 3,491 |
| Net interest margin | 3.9891% | 1,877 |
| Noninterest income to average assets | 0.1766% | 4,690 |
| Noninterest expense to average assets | 2.2739% | 4,090 |
| Loan and lease loss provision to assets | 0.0646% | 2,373 |
| Net operating income to assets | 1.2545% | 1,869 |
| Return on assets (ROA) | 1.2511% | 1,931 |
| Pretax return on assets | 1.5741% | 1,535 |
| Return on Equity (ROE) | 11.2143% | 1,861 |
| Retained earnings to average equity (ytd only) | 11.2143% | 758 |
| Net charge-offs to loans | -0.7774% | 5,294 |
| Credit loss provision to net charge-offs | -11.7188% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0539% | 4,068 |
| Assets per employee ($millions) | 6.1818% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1299% | 424 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 69.1189% | 2,609 |
| Net loans and leases to deposits | 85.6689% | 2,173 |
| Net loans and leases to core deposits | 92.4368% | 2,264 |
| Total domestic deposits to total assets | 80.6814% | 4,026 |
| Equity capital to assets | 11.3452% | 2,527 |
| Core capital (leverage) ratio | 11.1448% | 2,433 |
| Tier 1 risk-based capital ratio | 16.8791% | 2,141 |
| Total risk-based capital ratio | 18.1396% | 2,089 |
| Memoranda: | ||
| Average total assets | $185,760,500 | 3,027 |
| Average earning assets | $174,174,500 | 3,010 |
| Average equity | $20,723,500 | 3,092 |
| Average total loans | $131,727,500 | 2,882 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 2,853 |
| Cost of funding earning assets | 0.4378% | 3,751 |
| Net interest margin | 3.9352% | 2,208 |
| Noninterest income to average assets | 0.1883% | 4,777 |
| Noninterest expense to average assets | 2.3267% | 4,061 |
| Loan and lease loss provision to assets | 0.0661% | 2,831 |
| Net operating income to assets | 1.1464% | 2,403 |
| Return on assets (ROA) | 1.1416% | 2,427 |
| Pretax return on assets | 1.4571% | 1,923 |
| Return on Equity (ROE) | 10.6862% | 2,215 |
| Retained earnings to average equity (ytd only) | 10.6862% | 488 |
| Net charge-offs to loans | -0.3058% | 5,309 |
| Credit loss provision to net charge-offs | -31.0881% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3399% | 3,799 |
| Assets per employee ($millions) | 6.2023% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7196% | 802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7463% | 255 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.0937% | 2,549 |
| Net loans and leases to deposits | 86.4684% | 2,219 |
| Net loans and leases to core deposits | 92.4946% | 2,367 |
| Total domestic deposits to total assets | 81.0628% | 3,874 |
| Equity capital to assets | 10.9675% | 2,722 |
| Core capital (leverage) ratio | 10.6711% | 2,864 |
| Tier 1 risk-based capital ratio | 16.0149% | 2,398 |
| Total risk-based capital ratio | 17.2722% | 2,337 |
| Memoranda: | ||
| Average total assets | $181,588,000 | 3,039 |
| Average earning assets | $169,242,800 | 3,035 |
| Average equity | $19,398,800 | 3,147 |
| Average total loans | $126,240,400 | 2,922 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3002% | 2,959 |
| Cost of funding earning assets | 0.3950% | 3,899 |
| Net interest margin | 3.9052% | 2,281 |
| Noninterest income to average assets | 0.1928% | 4,818 |
| Noninterest expense to average assets | 2.2519% | 4,212 |
| Loan and lease loss provision to assets | 0.0665% | 2,650 |
| Net operating income to assets | 1.2417% | 2,075 |
| Return on assets (ROA) | 1.2375% | 2,099 |
| Pretax return on assets | 1.5064% | 1,878 |
| Return on Equity (ROE) | 11.6640% | 1,921 |
| Retained earnings to average equity (ytd only) | 11.6640% | 530 |
| Net charge-offs to loans | -0.3819% | 5,383 |
| Credit loss provision to net charge-offs | -25.2101% | 4,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7963% | 3,991 |
| Assets per employee ($millions) | 6.1796% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 783 |
| Loan loss allowance to noncurrent loans | 220.7547% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 3.2995% | 197 |
| Noncurrent loans to loans | 0.7965% | 2,116 |
| Net loans and leases to total assets | 66.9959% | 3,069 |
| Net loans and leases to deposits | 82.3382% | 2,778 |
| Net loans and leases to core deposits | 87.4349% | 2,881 |
| Total domestic deposits to total assets | 81.3667% | 3,771 |
| Equity capital to assets | 10.7676% | 2,877 |
| Core capital (leverage) ratio | 10.6047% | 2,975 |
| Tier 1 risk-based capital ratio | 16.4020% | 2,302 |
| Total risk-based capital ratio | 17.6598% | 2,240 |
| Memoranda: | ||
| Average total assets | $180,468,000 | 3,066 |
| Average earning assets | $168,080,500 | 3,069 |
| Average equity | $19,146,750 | 3,192 |
| Average total loans | $124,624,500 | 2,972 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,078 |
| Cost of funding earning assets | 0.3543% | 4,047 |
| Net interest margin | 3.8591% | 2,346 |
| Noninterest income to average assets | 0.1991% | 4,825 |
| Noninterest expense to average assets | 2.2670% | 4,218 |
| Loan and lease loss provision to assets | 0.0671% | 2,552 |
| Net operating income to assets | 1.2191% | 2,106 |
| Return on assets (ROA) | 1.2191% | 2,102 |
| Pretax return on assets | 1.4584% | 1,961 |
| Return on Equity (ROE) | 11.5497% | 1,888 |
| Retained earnings to average equity (ytd only) | 11.5497% | 581 |
| Net charge-offs to loans | -0.4596% | 5,428 |
| Credit loss provision to net charge-offs | -21.0526% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7759% | 3,969 |
| Assets per employee ($millions) | 6.1261% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 1,007 |
| Loan loss allowance to noncurrent loans | 107.4468% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 3.4682% | 181 |
| Noncurrent loans to loans | 1.5271% | 1,094 |
| Net loans and leases to total assets | 69.1832% | 2,693 |
| Net loans and leases to deposits | 84.9357% | 2,436 |
| Net loans and leases to core deposits | 89.8629% | 2,583 |
| Total domestic deposits to total assets | 81.4537% | 3,877 |
| Equity capital to assets | 10.5581% | 3,064 |
| Core capital (leverage) ratio | 10.4792% | 3,054 |
| Tier 1 risk-based capital ratio | 15.5793% | 2,598 |
| Total risk-based capital ratio | 16.8356% | 2,539 |
| Memoranda: | ||
| Average total assets | $178,827,670 | 3,107 |
| Average earning assets | $166,513,670 | 3,102 |
| Average equity | $18,875,000 | 3,235 |
| Average total loans | $124,024,000 | 2,990 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 3,007 |
| Cost of funding earning assets | 0.3248% | 4,175 |
| Net interest margin | 3.8410% | 2,255 |
| Noninterest income to average assets | 0.2087% | 4,768 |
| Noninterest expense to average assets | 2.2864% | 4,215 |
| Loan and lease loss provision to assets | 0.0680% | 2,404 |
| Net operating income to assets | 1.1591% | 2,178 |
| Return on assets (ROA) | 1.1591% | 2,191 |
| Pretax return on assets | 1.4222% | 1,925 |
| Return on Equity (ROE) | 10.9830% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.9830% | 903 |
| Net charge-offs to loans | -0.5469% | 5,504 |
| Credit loss provision to net charge-offs | -18.0723% | 3,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5405% | 3,995 |
| Assets per employee ($millions) | 6.1385% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 1,096 |
| Loan loss allowance to noncurrent loans | 98.8967% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 3.5918% | 200 |
| Noncurrent loans to loans | 1.6473% | 1,047 |
| Net loans and leases to total assets | 66.8895% | 2,908 |
| Net loans and leases to deposits | 82.4281% | 2,556 |
| Net loans and leases to core deposits | 86.5835% | 2,754 |
| Total domestic deposits to total assets | 81.1489% | 4,165 |
| Equity capital to assets | 10.5805% | 2,995 |
| Core capital (leverage) ratio | 10.4002% | 3,066 |
| Tier 1 risk-based capital ratio | 16.3420% | 2,341 |
| Total risk-based capital ratio | 17.5975% | 2,283 |
| Memoranda: | ||
| Average total assets | $176,350,000 | 3,171 |
| Average earning assets | $163,811,500 | 3,167 |
| Average equity | $18,610,500 | 3,294 |
| Average total loans | $121,402,000 | 3,042 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 3,429 |
| Cost of funding earning assets | 0.2800% | 4,311 |
| Net interest margin | 3.7119% | 2,753 |
| Noninterest income to average assets | 0.0929% | 5,431 |
| Noninterest expense to average assets | 2.3179% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6098% | 3,965 |
| Return on assets (ROA) | 0.6087% | 4,005 |
| Pretax return on assets | 1.1923% | 2,801 |
| Return on Equity (ROE) | 5.8233% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.8233% | 1,642 |
| Net charge-offs to loans | 0.1514% | 1,591 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.8161% | 2,529 |
| Efficiency ratio | 65.9997% | 3,264 |
| Assets per employee ($millions) | 5.8228% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 1,554 |
| Loan loss allowance to noncurrent loans | 88.4022% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 3.6689% | 176 |
| Noncurrent loans to loans | 1.6500% | 1,002 |
| Net loans and leases to total assets | 68.6852% | 2,729 |
| Net loans and leases to deposits | 84.7157% | 2,411 |
| Net loans and leases to core deposits | 87.5896% | 2,757 |
| Total domestic deposits to total assets | 81.0773% | 4,103 |
| Equity capital to assets | 10.5253% | 3,144 |
| Core capital (leverage) ratio | 10.1347% | 3,262 |
| Tier 1 risk-based capital ratio | 15.8080% | 2,511 |
| Total risk-based capital ratio | 17.0627% | 2,451 |
| Memoranda: | ||
| Average total assets | $172,181,800 | 3,221 |
| Average earning assets | $158,598,000 | 3,216 |
| Average equity | $17,996,800 | 3,361 |
| Average total loans | $114,914,200 | 3,122 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,674 |
| Cost of funding earning assets | 0.2743% | 4,364 |
| Net interest margin | 3.6272% | 3,048 |
| Noninterest income to average assets | 0.1352% | 5,331 |
| Noninterest expense to average assets | 2.3090% | 4,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8675% | 3,189 |
| Return on assets (ROA) | 0.8658% | 3,247 |
| Pretax return on assets | 1.1642% | 3,046 |
| Return on Equity (ROE) | 8.2980% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.2980% | 1,095 |
| Net charge-offs to loans | 0.2921% | 730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 6.0524% | 3,026 |
| Efficiency ratio | 66.4356% | 3,136 |
| Assets per employee ($millions) | 5.6406% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 1,852 |
| Loan loss allowance to noncurrent loans | 85.7359% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 3.7613% | 180 |
| Noncurrent loans to loans | 1.6416% | 1,123 |
| Net loans and leases to total assets | 68.1439% | 2,830 |
| Net loans and leases to deposits | 84.0867% | 2,552 |
| Net loans and leases to core deposits | 86.9326% | 2,877 |
| Total domestic deposits to total assets | 81.0400% | 4,036 |
| Equity capital to assets | 10.5857% | 3,272 |
| Core capital (leverage) ratio | 10.1587% | 3,365 |
| Tier 1 risk-based capital ratio | 16.1112% | 2,451 |
| Total risk-based capital ratio | 17.3659% | 2,396 |
| Memoranda: | ||
| Average total assets | $171,556,250 | 3,248 |
| Average earning assets | $157,987,750 | 3,256 |
| Average equity | $17,899,500 | 3,413 |
| Average total loans | $113,203,250 | 3,171 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 3,877 |
| Cost of funding earning assets | 0.2658% | 4,411 |
| Net interest margin | 3.5384% | 3,260 |
| Noninterest income to average assets | 0.0962% | 5,534 |
| Noninterest expense to average assets | 2.2985% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7867% | 3,454 |
| Return on assets (ROA) | 0.7850% | 3,521 |
| Pretax return on assets | 1.0443% | 3,391 |
| Return on Equity (ROE) | 7.5610% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.5610% | 1,327 |
| Net charge-offs to loans | 0.4681% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.4440% | 3,049 |
| Efficiency ratio | 68.7127% | 2,891 |
| Assets per employee ($millions) | 5.6432% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,589 |
| Loan loss allowance to noncurrent loans | 119.7592% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 3.3794% | 246 |
| Noncurrent loans to loans | 1.2481% | 1,552 |
| Net loans and leases to total assets | 63.7041% | 3,432 |
| Net loans and leases to deposits | 78.3730% | 3,082 |
| Net loans and leases to core deposits | 81.1860% | 3,325 |
| Total domestic deposits to total assets | 81.2833% | 4,106 |
| Equity capital to assets | 10.3230% | 3,546 |
| Core capital (leverage) ratio | 9.9176% | 3,638 |
| Tier 1 risk-based capital ratio | 16.8833% | 2,182 |
| Total risk-based capital ratio | 18.1402% | 2,141 |
| Memoranda: | ||
| Average total assets | $170,455,670 | 3,271 |
| Average earning assets | $156,511,000 | 3,286 |
| Average equity | $17,696,000 | 3,448 |
| Average total loans | $110,652,330 | 3,213 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 3,831 |
| Cost of funding earning assets | 0.2502% | 4,536 |
| Net interest margin | 3.5293% | 3,165 |
| Noninterest income to average assets | 0.2140% | 4,986 |
| Noninterest expense to average assets | 2.3018% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8095% | 3,180 |
| Return on assets (ROA) | 0.8061% | 3,255 |
| Pretax return on assets | 1.1271% | 2,875 |
| Return on Equity (ROE) | 7.7422% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.7422% | 1,559 |
| Net charge-offs to loans | -0.0548% | 5,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0360% | 3,339 |
| Assets per employee ($millions) | 5.7537% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 966 |
| Loan loss allowance to noncurrent loans | 92.6013% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 3.8943% | 198 |
| Noncurrent loans to loans | 1.9394% | 931 |
| Net loans and leases to total assets | 62.2512% | 3,503 |
| Net loans and leases to deposits | 76.5858% | 3,126 |
| Net loans and leases to core deposits | 79.5165% | 3,335 |
| Total domestic deposits to total assets | 81.2829% | 4,351 |
| Equity capital to assets | 10.2565% | 3,462 |
| Core capital (leverage) ratio | 9.9372% | 3,582 |
| Tier 1 risk-based capital ratio | 17.4040% | 2,064 |
| Total risk-based capital ratio | 18.6652% | 2,007 |
| Memoranda: | ||
| Average total assets | $168,213,500 | 3,330 |
| Average earning assets | $153,456,500 | 3,359 |
| Average equity | $17,514,500 | 3,483 |
| Average total loans | $109,411,000 | 3,257 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 3,093 |
| Cost of funding earning assets | 0.1631% | 5,337 |
| Net interest margin | 3.8672% | 2,076 |
| Noninterest income to average assets | 0.1596% | 5,413 |
| Noninterest expense to average assets | 2.5902% | 3,701 |
| Loan and lease loss provision to assets | 0.2207% | 998 |
| Net operating income to assets | 2.1519% | 245 |
| Return on assets (ROA) | 2.2345% | 225 |
| Pretax return on assets | 0.9612% | 3,613 |
| Return on Equity (ROE) | 23.4462% | 109 |
| Retained earnings to average equity (ytd only) | 23.4462% | 31 |
| Net charge-offs to loans | 0.1289% | 1,953 |
| Credit loss provision to net charge-offs | 251.7986% | 1,149 |
| Earnings coverage of net charge-offs (x) | 12.5396% | 2,440 |
| Efficiency ratio | 70.2051% | 2,869 |
| Assets per employee ($millions) | 5.4605% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7815% | 977 |
| Loan loss allowance to noncurrent loans | 87.0867% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 4.1742% | 178 |
| Noncurrent loans to loans | 2.0456% | 875 |
| Net loans and leases to total assets | 65.5953% | 3,134 |
| Net loans and leases to deposits | 76.4472% | 3,269 |
| Net loans and leases to core deposits | 79.6016% | 3,430 |
| Total domestic deposits to total assets | 85.8047% | 2,679 |
| Equity capital to assets | 10.5760% | 3,069 |
| Core capital (leverage) ratio | 10.2541% | 3,168 |
| Tier 1 risk-based capital ratio | 16.7016% | 2,266 |
| Total risk-based capital ratio | 17.9643% | 2,202 |
| Memoranda: | ||
| Average total assets | $158,560,000 | 3,414 |
| Average earning assets | $144,728,400 | 3,435 |
| Average equity | $15,111,200 | 3,796 |
| Average total loans | $107,866,000 | 3,243 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 3,045 |
| Cost of funding earning assets | 0.1581% | 5,426 |
| Net interest margin | 3.8895% | 2,015 |
| Noninterest income to average assets | 0.2645% | 4,880 |
| Noninterest expense to average assets | 2.6141% | 3,610 |
| Loan and lease loss provision to assets | 0.0848% | 2,525 |
| Net operating income to assets | 0.9397% | 2,705 |
| Return on assets (ROA) | 1.0319% | 2,406 |
| Pretax return on assets | 1.2439% | 2,638 |
| Return on Equity (ROE) | 11.1462% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.1462% | 410 |
| Net charge-offs to loans | 0.1848% | 1,266 |
| Credit loss provision to net charge-offs | 67.1141% | 2,836 |
| Earnings coverage of net charge-offs (x) | 9.6377% | 2,666 |
| Efficiency ratio | 68.2231% | 3,187 |
| Assets per employee ($millions) | 5.2877% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 1,525 |
| Loan loss allowance to noncurrent loans | 104.9720% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 4.0086% | 211 |
| Noncurrent loans to loans | 1.5094% | 1,430 |
| Net loans and leases to total assets | 66.1355% | 3,102 |
| Net loans and leases to deposits | 76.0056% | 3,401 |
| Net loans and leases to core deposits | 79.7537% | 3,470 |
| Total domestic deposits to total assets | 87.0140% | 1,894 |
| Equity capital to assets | 9.6021% | 4,555 |
| Core capital (leverage) ratio | 9.3934% | 4,336 |
| Tier 1 risk-based capital ratio | 15.7268% | 2,737 |
| Total risk-based capital ratio | 16.9827% | 2,675 |
| Memoranda: | ||
| Average total assets | $157,246,250 | 3,440 |
| Average earning assets | $144,214,500 | 3,462 |
| Average equity | $14,557,750 | 3,905 |
| Average total loans | $107,481,500 | 3,266 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 2,917 |
| Cost of funding earning assets | 0.1524% | 5,531 |
| Net interest margin | 3.9336% | 1,870 |
| Noninterest income to average assets | 0.2194% | 5,174 |
| Noninterest expense to average assets | 2.5730% | 3,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8380% | 3,136 |
| Return on assets (ROA) | 0.9516% | 2,762 |
| Pretax return on assets | 1.4019% | 2,016 |
| Return on Equity (ROE) | 10.4095% | 1,884 |
| Retained earnings to average equity (ytd only) | 10.4095% | 526 |
| Net charge-offs to loans | 0.1689% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.6374% | 2,317 |
| Efficiency ratio | 67.5712% | 3,435 |
| Assets per employee ($millions) | 5.6838% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,831 |
| Loan loss allowance to noncurrent loans | 100.7956% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 5.1594% | 143 |
| Noncurrent loans to loans | 1.4949% | 1,462 |
| Net loans and leases to total assets | 67.6492% | 2,837 |
| Net loans and leases to deposits | 77.8173% | 3,177 |
| Net loans and leases to core deposits | 81.6430% | 3,306 |
| Total domestic deposits to total assets | 86.9334% | 1,947 |
| Equity capital to assets | 9.3091% | 4,963 |
| Core capital (leverage) ratio | 9.1180% | 4,695 |
| Tier 1 risk-based capital ratio | 14.7455% | 3,185 |
| Total risk-based capital ratio | 16.0000% | 3,128 |
| Memoranda: | ||
| Average total assets | $156,784,330 | 3,466 |
| Average earning assets | $143,023,670 | 3,495 |
| Average equity | $14,333,000 | 3,951 |
| Average total loans | $107,775,000 | 3,275 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 2,848 |
| Cost of funding earning assets | 0.1498% | 5,611 |
| Net interest margin | 3.9490% | 1,786 |
| Noninterest income to average assets | 0.1722% | 5,458 |
| Noninterest expense to average assets | 2.6118% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7073% | 3,679 |
| Return on assets (ROA) | 0.9229% | 2,743 |
| Pretax return on assets | 1.4884% | 1,630 |
| Return on Equity (ROE) | 10.1902% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.1902% | 812 |
| Net charge-offs to loans | 0.2019% | 986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.2963% | 2,067 |
| Efficiency ratio | 69.3989% | 3,229 |
| Assets per employee ($millions) | 5.6187% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,743 |
| Loan loss allowance to noncurrent loans | 108.6452% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 5.7589% | 126 |
| Noncurrent loans to loans | 1.4379% | 1,650 |
| Net loans and leases to total assets | 67.4472% | 2,740 |
| Net loans and leases to deposits | 77.2670% | 3,078 |
| Net loans and leases to core deposits | 80.9388% | 3,239 |
| Total domestic deposits to total assets | 87.2911% | 2,056 |
| Equity capital to assets | 9.0858% | 5,094 |
| Core capital (leverage) ratio | 9.0056% | 4,849 |
| Tier 1 risk-based capital ratio | 14.4329% | 3,427 |
| Total risk-based capital ratio | 15.6884% | 3,363 |
| Memoranda: | ||
| Average total assets | $155,603,500 | 3,498 |
| Average earning assets | $141,503,000 | 3,535 |
| Average equity | $14,092,000 | 3,998 |
| Average total loans | $107,008,500 | 3,294 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 2,758 |
| Cost of funding earning assets | 0.1346% | 5,786 |
| Net interest margin | 4.0093% | 1,686 |
| Noninterest income to average assets | -0.1097% | 6,149 |
| Noninterest expense to average assets | 3.1234% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3218% | 5,293 |
| Return on assets (ROA) | 0.3545% | 5,285 |
| Pretax return on assets | 0.4323% | 5,260 |
| Return on Equity (ROE) | 5.2838% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.2838% | 2,218 |
| Net charge-offs to loans | 0.0070% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 84.2857% | 669 |
| Efficiency ratio | 88.8384% | 771 |
| Assets per employee ($millions) | 5.4959% | 1,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 1,504 |
| Loan loss allowance to noncurrent loans | 93.9459% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 6.1852% | 126 |
| Noncurrent loans to loans | 1.7416% | 1,293 |
| Net loans and leases to total assets | 67.8985% | 2,712 |
| Net loans and leases to deposits | 75.8215% | 3,275 |
| Net loans and leases to core deposits | 79.4104% | 3,402 |
| Total domestic deposits to total assets | 89.5506% | 823 |
| Equity capital to assets | 9.0263% | 5,096 |
| Core capital (leverage) ratio | 8.9349% | 4,963 |
| Tier 1 risk-based capital ratio | 14.1887% | 3,612 |
| Total risk-based capital ratio | 15.4449% | 3,525 |
| Memoranda: | ||
| Average total assets | $150,347,000 | 3,566 |
| Average earning assets | $135,959,800 | 3,596 |
| Average equity | $10,087,400 | 4,653 |
| Average total loans | $100,171,200 | 3,384 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 2,766 |
| Cost of funding earning assets | 0.1380% | 5,867 |
| Net interest margin | 4.0084% | 1,669 |
| Noninterest income to average assets | -0.1766% | 6,248 |
| Noninterest expense to average assets | 3.0856% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3343% | 5,356 |
| Return on assets (ROA) | 0.3773% | 5,321 |
| Pretax return on assets | 0.4130% | 5,442 |
| Return on Equity (ROE) | 6.1728% | 4,075 |
| Retained earnings to average equity (ytd only) | 6.1728% | 2,140 |
| Net charge-offs to loans | 0.0203% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 27.3325% | 1,588 |
| Efficiency ratio | 89.4029% | 736 |
| Assets per employee ($millions) | 5.2468% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 1,363 |
| Loan loss allowance to noncurrent loans | 348.7903% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 5.3701% | 171 |
| Noncurrent loans to loans | 0.5014% | 3,848 |
| Net loans and leases to total assets | 63.8709% | 3,328 |
| Net loans and leases to deposits | 70.8612% | 3,898 |
| Net loans and leases to core deposits | 74.6243% | 3,947 |
| Total domestic deposits to total assets | 90.1352% | 520 |
| Equity capital to assets | 9.1373% | 5,174 |
| Core capital (leverage) ratio | 9.1163% | 4,853 |
| Tier 1 risk-based capital ratio | 15.1410% | 3,218 |
| Total risk-based capital ratio | 16.3990% | 3,154 |
| Memoranda: | ||
| Average total assets | $149,462,750 | 3,609 |
| Average earning assets | $135,277,500 | 3,646 |
| Average equity | $9,136,750 | 4,881 |
| Average total loans | $98,658,250 | 3,436 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 2,658 |
| Cost of funding earning assets | 0.1413% | 5,910 |
| Net interest margin | 4.0256% | 1,566 |
| Noninterest income to average assets | -0.2787% | 6,326 |
| Noninterest expense to average assets | 3.0290% | 2,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3352% | 5,341 |
| Return on assets (ROA) | 0.4066% | 5,225 |
| Pretax return on assets | 0.4066% | 5,450 |
| Return on Equity (ROE) | 8.0021% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.0021% | 1,266 |
| Net charge-offs to loans | 0.0446% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.3182% | 2,302 |
| Efficiency ratio | 90.0360% | 748 |
| Assets per employee ($millions) | 5.1302% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 1,525 |
| Loan loss allowance to noncurrent loans | 339.8422% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 5.5600% | 177 |
| Noncurrent loans to loans | 0.5116% | 3,919 |
| Net loans and leases to total assets | 65.4503% | 3,059 |
| Net loans and leases to deposits | 69.7594% | 3,962 |
| Net loans and leases to core deposits | 73.2286% | 4,024 |
| Total domestic deposits to total assets | 93.8230% | 36 |
| Equity capital to assets | 5.1123% | 6,296 |
| Core capital (leverage) ratio | 5.0566% | 6,299 |
| Tier 1 risk-based capital ratio | 8.2999% | 6,285 |
| Total risk-based capital ratio | 9.5571% | 6,283 |
| Memoranda: | ||
| Average total assets | $148,564,670 | 3,652 |
| Average earning assets | $134,439,330 | 3,690 |
| Average equity | $7,548,000 | 5,253 |
| Average total loans | $98,573,000 | 3,464 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 2,595 |
| Cost of funding earning assets | 0.1462% | 5,957 |
| Net interest margin | 4.0163% | 1,505 |
| Noninterest income to average assets | -0.4419% | 6,395 |
| Noninterest expense to average assets | 3.0258% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1590% | 5,768 |
| Return on assets (ROA) | 0.3018% | 5,508 |
| Pretax return on assets | 0.3018% | 5,648 |
| Return on Equity (ROE) | 5.9582% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9582% | 2,526 |
| Net charge-offs to loans | 0.1180% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.0345% | 2,830 |
| Efficiency ratio | 95.0085% | 545 |
| Assets per employee ($millions) | 4.9144% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 1,584 |
| Loan loss allowance to noncurrent loans | 129.0226% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 6.3439% | 158 |
| Noncurrent loans to loans | 1.3650% | 2,108 |
| Net loans and leases to total assets | 64.9262% | 2,954 |
| Net loans and leases to deposits | 69.1004% | 3,846 |
| Net loans and leases to core deposits | 72.5628% | 3,908 |
| Total domestic deposits to total assets | 93.9592% | 31 |
| Equity capital to assets | 5.1617% | 6,365 |
| Core capital (leverage) ratio | 4.9302% | 6,369 |
| Tier 1 risk-based capital ratio | 7.9527% | 6,353 |
| Total risk-based capital ratio | 9.2094% | 6,352 |
| Memoranda: | ||
| Average total assets | $148,458,500 | 3,678 |
| Average earning assets | $134,053,500 | 3,716 |
| Average equity | $7,519,000 | 5,298 |
| Average total loans | $98,310,500 | 3,487 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 2,272 |
| Cost of funding earning assets | 0.1684% | 5,993 |
| Net interest margin | 4.2165% | 1,253 |
| Noninterest income to average assets | -0.4174% | 6,490 |
| Noninterest expense to average assets | 3.0397% | 2,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2414% | 5,679 |
| Return on assets (ROA) | 0.2374% | 5,746 |
| Pretax return on assets | 0.2374% | 5,809 |
| Return on Equity (ROE) | 4.9867% | 4,675 |
| Retained earnings to average equity (ytd only) | 4.9867% | 2,609 |
| Net charge-offs to loans | -0.0181% | 5,685 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6428% | 669 |
| Assets per employee ($millions) | 4.9828% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 1,634 |
| Loan loss allowance to noncurrent loans | 99.8284% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 7.5981% | 126 |
| Noncurrent loans to loans | 1.7624% | 1,635 |
| Net loans and leases to total assets | 65.1825% | 3,022 |
| Net loans and leases to deposits | 69.2784% | 3,997 |
| Net loans and leases to core deposits | 72.6932% | 4,059 |
| Total domestic deposits to total assets | 94.0877% | 30 |
| Equity capital to assets | 4.9691% | 6,459 |
| Core capital (leverage) ratio | 4.8400% | 6,461 |
| Tier 1 risk-based capital ratio | 8.1477% | 6,440 |
| Total risk-based capital ratio | 9.4067% | 6,441 |
| Memoranda: | ||
| Average total assets | $148,303,000 | 3,659 |
| Average earning assets | $130,085,600 | 3,772 |
| Average equity | $7,058,800 | 5,400 |
| Average total loans | $99,674,000 | 3,430 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 2,188 |
| Cost of funding earning assets | 0.1726% | 6,046 |
| Net interest margin | 4.2360% | 1,188 |
| Noninterest income to average assets | -0.4144% | 6,571 |
| Noninterest expense to average assets | 3.0448% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2333% | 5,769 |
| Return on assets (ROA) | 0.2153% | 5,866 |
| Pretax return on assets | 0.2153% | 5,924 |
| Return on Equity (ROE) | 4.5742% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.5742% | 3,388 |
| Net charge-offs to loans | -0.0134% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8827% | 654 |
| Assets per employee ($millions) | 4.8959% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 1,813 |
| Loan loss allowance to noncurrent loans | 99.5418% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 8.8285% | 114 |
| Noncurrent loans to loans | 1.7614% | 1,844 |
| Net loans and leases to total assets | 66.3058% | 2,805 |
| Net loans and leases to deposits | 70.2609% | 3,891 |
| Net loans and leases to core deposits | 73.7760% | 3,965 |
| Total domestic deposits to total assets | 94.3708% | 34 |
| Equity capital to assets | 4.9470% | 6,527 |
| Core capital (leverage) ratio | 4.7651% | 6,533 |
| Tier 1 risk-based capital ratio | 7.7644% | 6,513 |
| Total risk-based capital ratio | 9.0226% | 6,515 |
| Memoranda: | ||
| Average total assets | $148,007,500 | 3,691 |
| Average earning assets | $129,017,750 | 3,805 |
| Average equity | $6,966,500 | 5,470 |
| Average total loans | $99,796,750 | 3,451 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,147 |
| Cost of funding earning assets | 0.1753% | 6,105 |
| Net interest margin | 4.2341% | 1,173 |
| Noninterest income to average assets | -0.3235% | 6,639 |
| Noninterest expense to average assets | 3.1472% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2076% | 5,814 |
| Return on assets (ROA) | 0.1752% | 5,947 |
| Pretax return on assets | 0.1752% | 5,976 |
| Return on Equity (ROE) | 3.7864% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.7864% | 3,772 |
| Net charge-offs to loans | 0.0720% | 2,984 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.2778% | 3,141 |
| Efficiency ratio | 93.8128% | 652 |
| Assets per employee ($millions) | 4.8008% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 2,159 |
| Loan loss allowance to noncurrent loans | 86.7624% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 9.2034% | 110 |
| Noncurrent loans to loans | 1.9484% | 1,738 |
| Net loans and leases to total assets | 66.0790% | 2,738 |
| Net loans and leases to deposits | 70.0961% | 3,815 |
| Net loans and leases to core deposits | 73.3923% | 3,900 |
| Total domestic deposits to total assets | 94.2691% | 41 |
| Equity capital to assets | 4.8090% | 6,592 |
| Core capital (leverage) ratio | 4.6915% | 6,596 |
| Tier 1 risk-based capital ratio | 7.4782% | 6,581 |
| Total risk-based capital ratio | 8.7349% | 6,581 |
| Memoranda: | ||
| Average total assets | $148,384,330 | 3,707 |
| Average earning assets | $128,906,000 | 3,836 |
| Average equity | $6,866,670 | 5,520 |
| Average total loans | $100,020,330 | 3,455 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 1,941 |
| Cost of funding earning assets | 0.1780% | 6,183 |
| Net interest margin | 4.2792% | 1,042 |
| Noninterest income to average assets | -0.4967% | 6,715 |
| Noninterest expense to average assets | 3.0588% | 2,660 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1431% | 5,944 |
| Return on assets (ROA) | 0.1431% | 5,975 |
| Pretax return on assets | 0.1431% | 6,020 |
| Return on Equity (ROE) | 3.1541% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.1541% | 4,234 |
| Net charge-offs to loans | -0.0160% | 5,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5312% | 670 |
| Assets per employee ($millions) | 4.6115% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 2,269 |
| Loan loss allowance to noncurrent loans | 93.8211% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 10.0720% | 112 |
| Noncurrent loans to loans | 1.8396% | 2,086 |
| Net loans and leases to total assets | 66.7923% | 2,434 |
| Net loans and leases to deposits | 70.6623% | 3,518 |
| Net loans and leases to core deposits | 74.0037% | 3,645 |
| Total domestic deposits to total assets | 94.5232% | 50 |
| Equity capital to assets | 4.6501% | 6,655 |
| Core capital (leverage) ratio | 4.7132% | 6,655 |
| Tier 1 risk-based capital ratio | 7.1899% | 6,649 |
| Total risk-based capital ratio | 8.4470% | 6,649 |
| Memoranda: | ||
| Average total assets | $148,164,000 | 3,731 |
| Average earning assets | $128,062,500 | 3,888 |
| Average equity | $6,721,500 | 5,585 |
| Average total loans | $100,014,000 | 3,474 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 1,536 |
| Cost of funding earning assets | 0.2644% | 5,877 |
| Net interest margin | 4.4490% | 824 |
| Noninterest income to average assets | -0.1875% | 6,754 |
| Noninterest expense to average assets | 3.3913% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1368% | 5,967 |
| Return on assets (ROA) | 0.1354% | 6,033 |
| Pretax return on assets | 0.1354% | 6,036 |
| Return on Equity (ROE) | 3.0598% | 5,481 |
| Retained earnings to average equity (ytd only) | 3.0598% | 4,051 |
| Net charge-offs to loans | 0.2048% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.9903% | 4,751 |
| Efficiency ratio | 96.1233% | 633 |
| Assets per employee ($millions) | 4.6488% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7316% | 2,296 |
| Loan loss allowance to noncurrent loans | 92.4024% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 11.2302% | 99 |
| Noncurrent loans to loans | 1.8740% | 2,143 |
| Net loans and leases to total assets | 65.8820% | 2,707 |
| Net loans and leases to deposits | 69.6169% | 3,828 |
| Net loans and leases to core deposits | 72.8761% | 3,968 |
| Total domestic deposits to total assets | 94.6350% | 58 |
| Equity capital to assets | 4.4239% | 6,728 |
| Core capital (leverage) ratio | 4.5504% | 6,730 |
| Tier 1 risk-based capital ratio | 6.9556% | 6,733 |
| Total risk-based capital ratio | 8.2119% | 6,733 |
| Memoranda: | ||
| Average total assets | $149,883,000 | 3,706 |
| Average earning assets | $125,173,600 | 3,946 |
| Average equity | $6,634,400 | 5,666 |
| Average total loans | $101,057,800 | 3,425 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7441% | 1,490 |
| Cost of funding earning assets | 0.2818% | 5,874 |
| Net interest margin | 4.4623% | 783 |
| Noninterest income to average assets | -0.1891% | 6,834 |
| Noninterest expense to average assets | 3.4184% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0897% | 6,155 |
| Return on assets (ROA) | 0.0879% | 6,213 |
| Pretax return on assets | 0.0879% | 6,219 |
| Return on Equity (ROE) | 1.9856% | 5,944 |
| Retained earnings to average equity (ytd only) | 1.9856% | 5,138 |
| Net charge-offs to loans | 0.2946% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4509% | 4,713 |
| Efficiency ratio | 97.4437% | 554 |
| Assets per employee ($millions) | 4.7138% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 2,723 |
| Loan loss allowance to noncurrent loans | 88.8773% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 12.2149% | 81 |
| Noncurrent loans to loans | 1.8817% | 2,395 |
| Net loans and leases to total assets | 66.6521% | 2,532 |
| Net loans and leases to deposits | 70.1244% | 3,769 |
| Net loans and leases to core deposits | 72.1882% | 4,064 |
| Total domestic deposits to total assets | 95.0484% | 38 |
| Equity capital to assets | 4.3470% | 6,805 |
| Core capital (leverage) ratio | 4.4786% | 6,804 |
| Tier 1 risk-based capital ratio | 6.4163% | 6,816 |
| Total risk-based capital ratio | 7.6712% | 6,817 |
| Memoranda: | ||
| Average total assets | $150,163,750 | 3,738 |
| Average earning assets | $124,417,750 | 3,991 |
| Average equity | $6,647,750 | 5,734 |
| Average total loans | $101,389,000 | 3,443 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 1,378 |
| Cost of funding earning assets | 0.3030% | 5,805 |
| Net interest margin | 4.4752% | 744 |
| Noninterest income to average assets | -0.2241% | 6,876 |
| Noninterest expense to average assets | 3.3867% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0734% | 6,194 |
| Return on assets (ROA) | 0.0707% | 6,279 |
| Pretax return on assets | 0.0707% | 6,275 |
| Return on Equity (ROE) | 1.5873% | 6,078 |
| Retained earnings to average equity (ytd only) | 1.5873% | 5,235 |
| Net charge-offs to loans | 0.3185% | 1,910 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3416% | 4,426 |
| Efficiency ratio | 97.8797% | 574 |
| Assets per employee ($millions) | 4.8213% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 2,659 |
| Loan loss allowance to noncurrent loans | 63.4120% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 13.6612% | 75 |
| Noncurrent loans to loans | 2.7320% | 1,668 |
| Net loans and leases to total assets | 67.2889% | 2,365 |
| Net loans and leases to deposits | 70.9759% | 3,589 |
| Net loans and leases to core deposits | 72.9286% | 3,940 |
| Total domestic deposits to total assets | 94.8053% | 43 |
| Equity capital to assets | 4.3992% | 6,853 |
| Core capital (leverage) ratio | 4.4511% | 6,856 |
| Tier 1 risk-based capital ratio | 6.2806% | 6,865 |
| Total risk-based capital ratio | 7.5361% | 6,866 |
| Memoranda: | ||
| Average total assets | $149,938,330 | 3,773 |
| Average earning assets | $123,434,670 | 4,044 |
| Average equity | $6,678,000 | 5,768 |
| Average total loans | $101,102,670 | 3,453 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 1,197 |
| Cost of funding earning assets | 0.3199% | 5,809 |
| Net interest margin | 4.5307% | 641 |
| Noninterest income to average assets | -0.3409% | 6,973 |
| Noninterest expense to average assets | 3.3214% | 2,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0346% | 6,288 |
| Return on assets (ROA) | 0.0426% | 6,356 |
| Pretax return on assets | 0.0426% | 6,354 |
| Return on Equity (ROE) | 0.9510% | 6,231 |
| Retained earnings to average equity (ytd only) | 0.9510% | 5,464 |
| Net charge-offs to loans | 0.4220% | 1,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1226% | 3,775 |
| Efficiency ratio | 98.9683% | 586 |
| Assets per employee ($millions) | 4.6386% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8255% | 2,530 |
| Loan loss allowance to noncurrent loans | 75.4748% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 14.8389% | 76 |
| Noncurrent loans to loans | 2.4186% | 2,139 |
| Net loans and leases to total assets | 66.2321% | 2,331 |
| Net loans and leases to deposits | 69.9255% | 3,492 |
| Net loans and leases to core deposits | 71.8963% | 3,831 |
| Total domestic deposits to total assets | 94.7182% | 53 |
| Equity capital to assets | 4.5461% | 6,917 |
| Core capital (leverage) ratio | 4.4587% | 6,909 |
| Tier 1 risk-based capital ratio | 6.1914% | 6,925 |
| Total risk-based capital ratio | 7.4468% | 6,927 |
| Memoranda: | ||
| Average total assets | $150,177,500 | 3,802 |
| Average earning assets | $122,542,500 | 4,110 |
| Average equity | $6,729,500 | 5,805 |
| Average total loans | $100,482,500 | 3,490 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 2,031 |
| Cost of funding earning assets | 0.4864% | 5,312 |
| Net interest margin | 4.3603% | 1,252 |
| Noninterest income to average assets | 0.7458% | 2,517 |
| Noninterest expense to average assets | 4.4640% | 595 |
| Loan and lease loss provision to assets | 0.3646% | 1,809 |
| Net operating income to assets | -0.6882% | 6,643 |
| Return on assets (ROA) | -0.6780% | 6,675 |
| Pretax return on assets | -0.6780% | 6,651 |
| Return on Equity (ROE) | -15.1550% | 6,826 |
| Retained earnings to average equity (ytd only) | -15.1550% | 6,777 |
| Net charge-offs to loans | 1.8065% | 448 |
| Credit loss provision to net charge-offs | 31.3531% | 5,097 |
| Earnings coverage of net charge-offs (x) | -0.2783% | 5,608 |
| Efficiency ratio | 107.8171% | 371 |
| Assets per employee ($millions) | 4.6037% | 2,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 2,235 |
| Loan loss allowance to noncurrent loans | 71.9331% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 16.7850% | 59 |
| Noncurrent loans to loans | 2.6680% | 1,985 |
| Net loans and leases to total assets | 65.0937% | 2,696 |
| Net loans and leases to deposits | 68.6748% | 3,876 |
| Net loans and leases to core deposits | 70.4151% | 4,248 |
| Total domestic deposits to total assets | 94.7854% | 49 |
| Equity capital to assets | 4.4174% | 6,981 |
| Core capital (leverage) ratio | 4.3433% | 6,968 |
| Tier 1 risk-based capital ratio | 5.8577% | 6,996 |
| Total risk-based capital ratio | 7.1137% | 6,999 |
| Memoranda: | ||
| Average total assets | $156,339,800 | 3,677 |
| Average earning assets | $121,713,200 | 4,072 |
| Average equity | $6,994,400 | 5,768 |
| Average total loans | $100,638,600 | 3,503 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 2,242 |
| Cost of funding earning assets | 0.5180% | 5,322 |
| Net interest margin | 4.3216% | 1,416 |
| Noninterest income to average assets | 0.7393% | 2,528 |
| Noninterest expense to average assets | 4.4662% | 561 |
| Loan and lease loss provision to assets | 0.4827% | 1,282 |
| Net operating income to assets | -0.8748% | 6,825 |
| Return on assets (ROA) | -0.8705% | 6,850 |
| Pretax return on assets | -0.8705% | 6,823 |
| Return on Equity (ROE) | -19.3996% | 6,982 |
| Retained earnings to average equity (ytd only) | -19.3996% | 6,965 |
| Net charge-offs to loans | 2.3209% | 282 |
| Credit loss provision to net charge-offs | 32.5528% | 4,757 |
| Earnings coverage of net charge-offs (x) | -0.2644% | 5,430 |
| Efficiency ratio | 109.6238% | 313 |
| Assets per employee ($millions) | 4.6046% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 1,967 |
| Loan loss allowance to noncurrent loans | 33.8751% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 20.3900% | 32 |
| Noncurrent loans to loans | 6.1226% | 658 |
| Net loans and leases to total assets | 62.1762% | 3,349 |
| Net loans and leases to deposits | 65.3059% | 4,562 |
| Net loans and leases to core deposits | 66.8048% | 4,866 |
| Total domestic deposits to total assets | 95.2077% | 37 |
| Equity capital to assets | 4.4224% | 7,082 |
| Core capital (leverage) ratio | 4.3075% | 7,071 |
| Tier 1 risk-based capital ratio | 6.1032% | 7,085 |
| Total risk-based capital ratio | 7.3581% | 7,086 |
| Memoranda: | ||
| Average total assets | $157,444,500 | 3,698 |
| Average earning assets | $121,496,000 | 4,117 |
| Average equity | $7,065,250 | 5,808 |
| Average total loans | $100,591,750 | 3,543 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 2,199 |
| Cost of funding earning assets | 0.5521% | 5,293 |
| Net interest margin | 4.3251% | 1,407 |
| Noninterest income to average assets | 0.7132% | 2,592 |
| Noninterest expense to average assets | 4.5795% | 517 |
| Loan and lease loss provision to assets | 0.7157% | 748 |
| Net operating income to assets | -1.2569% | 6,970 |
| Return on assets (ROA) | -1.2456% | 6,983 |
| Pretax return on assets | -1.2456% | 6,954 |
| Return on Equity (ROE) | -27.6310% | 7,085 |
| Retained earnings to average equity (ytd only) | -27.6310% | 7,074 |
| Net charge-offs to loans | 2.8618% | 212 |
| Credit loss provision to net charge-offs | 39.0679% | 4,281 |
| Earnings coverage of net charge-offs (x) | -0.2954% | 5,189 |
| Efficiency ratio | 113.4017% | 288 |
| Assets per employee ($millions) | 4.5557% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3282% | 1,539 |
| Loan loss allowance to noncurrent loans | 38.2677% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 19.2067% | 47 |
| Noncurrent loans to loans | 6.0841% | 718 |
| Net loans and leases to total assets | 62.1031% | 3,410 |
| Net loans and leases to deposits | 65.1924% | 4,619 |
| Net loans and leases to core deposits | 66.6366% | 4,932 |
| Total domestic deposits to total assets | 95.2613% | 46 |
| Equity capital to assets | 4.3468% | 7,125 |
| Core capital (leverage) ratio | 4.2717% | 7,111 |
| Tier 1 risk-based capital ratio | 6.0810% | 7,124 |
| Total risk-based capital ratio | 7.3389% | 7,124 |
| Memoranda: | ||
| Average total assets | $159,275,330 | 3,678 |
| Average earning assets | $122,446,670 | 4,113 |
| Average equity | $7,180,330 | 5,792 |
| Average total loans | $101,962,670 | 3,514 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9751% | 1,977 |
| Cost of funding earning assets | 0.5985% | 5,147 |
| Net interest margin | 4.3767% | 1,279 |
| Noninterest income to average assets | 0.5921% | 3,287 |
| Noninterest expense to average assets | 4.7044% | 459 |
| Loan and lease loss provision to assets | 0.7432% | 685 |
| Net operating income to assets | -1.5582% | 7,098 |
| Return on assets (ROA) | -1.5582% | 7,106 |
| Pretax return on assets | -1.5582% | 7,085 |
| Return on Equity (ROE) | -33.9816% | 7,181 |
| Retained earnings to average equity (ytd only) | -33.9816% | 7,158 |
| Net charge-offs to loans | 2.6152% | 310 |
| Credit loss provision to net charge-offs | 44.2478% | 3,374 |
| Earnings coverage of net charge-offs (x) | -0.4853% | 4,499 |
| Efficiency ratio | 120.9554% | 212 |
| Assets per employee ($millions) | 4.5308% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7776% | 1,029 |
| Loan loss allowance to noncurrent loans | 33.1834% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 25.8737% | 14 |
| Noncurrent loans to loans | 8.3703% | 443 |
| Net loans and leases to total assets | 61.8926% | 3,277 |
| Net loans and leases to deposits | 64.9961% | 4,490 |
| Net loans and leases to core deposits | 66.8875% | 4,817 |
| Total domestic deposits to total assets | 95.2251% | 54 |
| Equity capital to assets | 4.4710% | 7,162 |
| Core capital (leverage) ratio | 4.4018% | 7,155 |
| Tier 1 risk-based capital ratio | 6.0190% | 7,175 |
| Total risk-based capital ratio | 7.2807% | 7,176 |
| Memoranda: | ||
| Average total assets | $161,466,000 | 3,656 |
| Average earning assets | $121,645,500 | 4,163 |
| Average equity | $7,404,000 | 5,764 |
| Average total loans | $103,700,500 | 3,506 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8196% | 3,716 |
| Cost of funding earning assets | 0.8599% | 4,397 |
| Net interest margin | 3.9597% | 3,071 |
| Noninterest income to average assets | 0.5358% | 3,614 |
| Noninterest expense to average assets | 4.6235% | 516 |
| Loan and lease loss provision to assets | 1.4624% | 517 |
| Net operating income to assets | -2.4685% | 7,109 |
| Return on assets (ROA) | -2.4685% | 7,116 |
| Pretax return on assets | -2.4685% | 7,115 |
| Return on Equity (ROE) | -44.5289% | 7,179 |
| Retained earnings to average equity (ytd only) | -44.5289% | 7,176 |
| Net charge-offs to loans | 2.6780% | 410 |
| Credit loss provision to net charge-offs | 81.1688% | 4,399 |
| Earnings coverage of net charge-offs (x) | -0.5584% | 6,097 |
| Efficiency ratio | 127.8137% | 245 |
| Assets per employee ($millions) | 4.6958% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9892% | 824 |
| Loan loss allowance to noncurrent loans | 27.2712% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 26.8415% | 16 |
| Noncurrent loans to loans | 10.9611% | 267 |
| Net loans and leases to total assets | 62.8321% | 3,445 |
| Net loans and leases to deposits | 66.1345% | 4,712 |
| Net loans and leases to core deposits | 68.2184% | 5,000 |
| Total domestic deposits to total assets | 95.0065% | 58 |
| Equity capital to assets | 4.6960% | 7,187 |
| Core capital (leverage) ratio | 4.6377% | 7,171 |
| Tier 1 risk-based capital ratio | 6.2709% | 7,192 |
| Total risk-based capital ratio | 7.5357% | 7,192 |
| Memoranda: | ||
| Average total assets | $170,953,600 | 3,471 |
| Average earning assets | $133,040,000 | 3,868 |
| Average equity | $9,477,000 | 5,161 |
| Average total loans | $115,012,200 | 3,272 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 3,961 |
| Cost of funding earning assets | 0.9017% | 4,384 |
| Net interest margin | 3.9125% | 3,322 |
| Noninterest income to average assets | 0.5152% | 3,756 |
| Noninterest expense to average assets | 4.7468% | 465 |
| Loan and lease loss provision to assets | 1.3904% | 528 |
| Net operating income to assets | -2.5584% | 7,216 |
| Return on assets (ROA) | -2.5584% | 7,227 |
| Pretax return on assets | -2.5584% | 7,216 |
| Return on Equity (ROE) | -44.5296% | 7,274 |
| Retained earnings to average equity (ytd only) | -44.5296% | 7,268 |
| Net charge-offs to loans | 2.9169% | 331 |
| Credit loss provision to net charge-offs | 70.2302% | 4,479 |
| Earnings coverage of net charge-offs (x) | -0.5899% | 5,858 |
| Efficiency ratio | 132.6354% | 214 |
| Assets per employee ($millions) | 4.7891% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7171% | 1,110 |
| Loan loss allowance to noncurrent loans | 19.6257% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 26.9559% | 15 |
| Noncurrent loans to loans | 13.8447% | 168 |
| Net loans and leases to total assets | 64.0593% | 3,296 |
| Net loans and leases to deposits | 67.7997% | 4,644 |
| Net loans and leases to core deposits | 70.0223% | 4,943 |
| Total domestic deposits to total assets | 94.4833% | 66 |
| Equity capital to assets | 5.1456% | 7,251 |
| Core capital (leverage) ratio | 5.0991% | 7,228 |
| Tier 1 risk-based capital ratio | 6.9153% | 7,251 |
| Total risk-based capital ratio | 8.1799% | 7,253 |
| Memoranda: | ||
| Average total assets | $172,603,500 | 3,476 |
| Average earning assets | $135,152,750 | 3,858 |
| Average equity | $9,916,750 | 5,054 |
| Average total loans | $117,153,000 | 3,258 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8371% | 3,923 |
| Cost of funding earning assets | 0.9449% | 4,361 |
| Net interest margin | 3.8921% | 3,356 |
| Noninterest income to average assets | 0.5417% | 3,542 |
| Noninterest expense to average assets | 5.0968% | 343 |
| Loan and lease loss provision to assets | 1.9510% | 326 |
| Net operating income to assets | -3.4476% | 7,363 |
| Return on assets (ROA) | -3.4476% | 7,366 |
| Pretax return on assets | -3.4476% | 7,357 |
| Return on Equity (ROE) | -58.0633% | 7,366 |
| Retained earnings to average equity (ytd only) | -58.0633% | 7,363 |
| Net charge-offs to loans | 3.8070% | 224 |
| Credit loss provision to net charge-offs | 74.7910% | 3,924 |
| Earnings coverage of net charge-offs (x) | -0.5737% | 5,547 |
| Efficiency ratio | 141.5684% | 190 |
| Assets per employee ($millions) | 4.8165% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8081% | 1,071 |
| Loan loss allowance to noncurrent loans | 19.4378% | 6,735 |
| Noncurrent assets plus other real estate owned to assets | 27.6320% | 16 |
| Noncurrent loans to loans | 14.4468% | 149 |
| Net loans and leases to total assets | 65.4536% | 3,146 |
| Net loans and leases to deposits | 69.3873% | 4,512 |
| Net loans and leases to core deposits | 71.5312% | 4,880 |
| Total domestic deposits to total assets | 94.3307% | 68 |
| Equity capital to assets | 5.2943% | 7,306 |
| Core capital (leverage) ratio | 5.2017% | 7,284 |
| Tier 1 risk-based capital ratio | 7.0726% | 7,308 |
| Total risk-based capital ratio | 8.3387% | 7,310 |
| Memoranda: | ||
| Average total assets | $174,265,330 | 3,461 |
| Average earning assets | $136,942,330 | 3,837 |
| Average equity | $10,347,330 | 4,963 |
| Average total loans | $119,412,670 | 3,243 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 4,017 |
| Cost of funding earning assets | 1.0008% | 4,199 |
| Net interest margin | 3.8083% | 3,580 |
| Noninterest income to average assets | 0.5127% | 3,782 |
| Noninterest expense to average assets | 5.0838% | 340 |
| Loan and lease loss provision to assets | 2.2585% | 236 |
| Net operating income to assets | -3.8304% | 7,440 |
| Return on assets (ROA) | -3.8304% | 7,443 |
| Pretax return on assets | -3.8304% | 7,427 |
| Return on Equity (ROE) | -61.3465% | 7,443 |
| Retained earnings to average equity (ytd only) | -61.3465% | 7,434 |
| Net charge-offs to loans | 1.8373% | 706 |
| Credit loss provision to net charge-offs | 177.9359% | 1,646 |
| Earnings coverage of net charge-offs (x) | -1.2384% | 4,920 |
| Efficiency ratio | 144.7588% | 191 |
| Assets per employee ($millions) | 4.8364% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5056% | 600 |
| Loan loss allowance to noncurrent loans | 23.5942% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 27.0487% | 15 |
| Noncurrent loans to loans | 14.8577% | 157 |
| Net loans and leases to total assets | 66.3998% | 2,901 |
| Net loans and leases to deposits | 70.8221% | 4,218 |
| Net loans and leases to core deposits | 72.7176% | 4,691 |
| Total domestic deposits to total assets | 93.7557% | 89 |
| Equity capital to assets | 5.8629% | 7,301 |
| Core capital (leverage) ratio | 5.7482% | 7,289 |
| Tier 1 risk-based capital ratio | 7.8454% | 7,308 |
| Total risk-based capital ratio | 9.1200% | 7,310 |
| Memoranda: | ||
| Average total assets | $177,110,000 | 3,430 |
| Average earning assets | $139,484,500 | 3,832 |
| Average equity | $11,058,500 | 4,787 |
| Average total loans | $122,355,500 | 3,211 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0448% | 4,347 |
| Cost of funding earning assets | 1.4749% | 2,790 |
| Net interest margin | 3.5699% | 4,965 |
| Noninterest income to average assets | 0.9797% | 1,573 |
| Noninterest expense to average assets | 4.3022% | 809 |
| Loan and lease loss provision to assets | 2.4032% | 479 |
| Net operating income to assets | -2.8231% | 7,251 |
| Return on assets (ROA) | -2.8231% | 7,276 |
| Pretax return on assets | -2.8231% | 7,254 |
| Return on Equity (ROE) | -39.9033% | 7,346 |
| Retained earnings to average equity (ytd only) | -39.9033% | 7,338 |
| Net charge-offs to loans | 3.4243% | 427 |
| Credit loss provision to net charge-offs | 97.2540% | 4,771 |
| Earnings coverage of net charge-offs (x) | -0.1699% | 6,270 |
| Efficiency ratio | 110.8144% | 522 |
| Assets per employee ($millions) | 5.0030% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0120% | 862 |
| Loan loss allowance to noncurrent loans | 22.8763% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 25.9039% | 22 |
| Noncurrent loans to loans | 13.1664% | 227 |
| Net loans and leases to total assets | 67.2591% | 3,152 |
| Net loans and leases to deposits | 72.2584% | 4,472 |
| Net loans and leases to core deposits | 74.2742% | 4,944 |
| Total domestic deposits to total assets | 93.0814% | 137 |
| Equity capital to assets | 6.6121% | 7,229 |
| Core capital (leverage) ratio | 6.2505% | 7,252 |
| Tier 1 risk-based capital ratio | 8.7790% | 7,279 |
| Total risk-based capital ratio | 10.0479% | 7,287 |
| Memoranda: | ||
| Average total assets | $212,215,000 | 2,961 |
| Average earning assets | $172,555,200 | 3,234 |
| Average equity | $15,013,800 | 3,939 |
| Average total loans | $153,141,800 | 2,722 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 4,554 |
| Cost of funding earning assets | 1.5424% | 2,714 |
| Net interest margin | 3.5155% | 5,228 |
| Noninterest income to average assets | 0.3614% | 5,272 |
| Noninterest expense to average assets | 4.0748% | 957 |
| Loan and lease loss provision to assets | 2.0583% | 571 |
| Net operating income to assets | -2.8961% | 7,431 |
| Return on assets (ROA) | -2.8743% | 7,440 |
| Pretax return on assets | -2.8743% | 7,390 |
| Return on Equity (ROE) | -40.0919% | 7,492 |
| Retained earnings to average equity (ytd only) | -40.0919% | 7,488 |
| Net charge-offs to loans | 2.9629% | 533 |
| Credit loss provision to net charge-offs | 95.5056% | 4,544 |
| Earnings coverage of net charge-offs (x) | -0.3888% | 6,286 |
| Efficiency ratio | 125.8837% | 333 |
| Assets per employee ($millions) | 4.6630% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5977% | 1,211 |
| Loan loss allowance to noncurrent loans | 24.0715% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 21.2931% | 46 |
| Noncurrent loans to loans | 10.7918% | 360 |
| Net loans and leases to total assets | 66.9370% | 3,476 |
| Net loans and leases to deposits | 71.6678% | 4,884 |
| Net loans and leases to core deposits | 73.5399% | 5,352 |
| Total domestic deposits to total assets | 93.3990% | 82 |
| Equity capital to assets | 6.2717% | 7,451 |
| Core capital (leverage) ratio | 6.1564% | 7,413 |
| Tier 1 risk-based capital ratio | 8.5031% | 7,434 |
| Total risk-based capital ratio | 9.7679% | 7,443 |
| Memoranda: | ||
| Average total assets | $220,241,750 | 2,915 |
| Average earning assets | $180,150,750 | 3,156 |
| Average equity | $15,790,000 | 3,844 |
| Average total loans | $160,202,000 | 2,655 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0511% | 4,699 |
| Cost of funding earning assets | 1.6070% | 2,614 |
| Net interest margin | 3.4441% | 5,468 |
| Noninterest income to average assets | 0.3344% | 5,475 |
| Noninterest expense to average assets | 3.8809% | 1,215 |
| Loan and lease loss provision to assets | 2.0607% | 598 |
| Net operating income to assets | -2.7714% | 7,471 |
| Return on assets (ROA) | -2.7392% | 7,477 |
| Pretax return on assets | -2.7392% | 7,424 |
| Return on Equity (ROE) | -36.7680% | 7,507 |
| Retained earnings to average equity (ytd only) | -36.7680% | 7,498 |
| Net charge-offs to loans | 3.2803% | 461 |
| Credit loss provision to net charge-offs | 84.8987% | 4,569 |
| Earnings coverage of net charge-offs (x) | -0.2928% | 5,926 |
| Efficiency ratio | 122.4196% | 384 |
| Assets per employee ($millions) | 4.7036% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2590% | 1,653 |
| Loan loss allowance to noncurrent loans | 19.4309% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 20.9986% | 45 |
| Noncurrent loans to loans | 11.6259% | 314 |
| Net loans and leases to total assets | 69.9099% | 2,924 |
| Net loans and leases to deposits | 75.3462% | 4,448 |
| Net loans and leases to core deposits | 77.2612% | 5,056 |
| Total domestic deposits to total assets | 92.7849% | 126 |
| Equity capital to assets | 6.8615% | 7,397 |
| Core capital (leverage) ratio | 6.7273% | 7,312 |
| Tier 1 risk-based capital ratio | 9.2666% | 7,350 |
| Total risk-based capital ratio | 10.5279% | 7,346 |
| Memoranda: | ||
| Average total assets | $223,711,330 | 2,886 |
| Average earning assets | $184,199,000 | 3,141 |
| Average equity | $16,666,670 | 3,692 |
| Average total loans | $165,535,330 | 2,615 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 4,905 |
| Cost of funding earning assets | 1.6753% | 2,511 |
| Net interest margin | 3.3506% | 5,783 |
| Noninterest income to average assets | 0.2850% | 5,861 |
| Noninterest expense to average assets | 4.2008% | 807 |
| Loan and lease loss provision to assets | 0.2973% | 3,659 |
| Net operating income to assets | -1.4337% | 7,307 |
| Return on assets (ROA) | -1.3669% | 7,295 |
| Pretax return on assets | -1.3669% | 7,208 |
| Return on Equity (ROE) | -17.6822% | 7,389 |
| Retained earnings to average equity (ytd only) | -17.6822% | 7,303 |
| Net charge-offs to loans | 2.8691% | 548 |
| Credit loss provision to net charge-offs | 13.7847% | 5,013 |
| Earnings coverage of net charge-offs (x) | -0.5269% | 5,290 |
| Efficiency ratio | 137.0838% | 276 |
| Assets per employee ($millions) | 4.8528% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 2,936 |
| Loan loss allowance to noncurrent loans | 15.0924% | 7,200 |
| Noncurrent assets plus other real estate owned to assets | 21.0038% | 47 |
| Noncurrent loans to loans | 11.5111% | 321 |
| Net loans and leases to total assets | 72.1858% | 2,408 |
| Net loans and leases to deposits | 78.4855% | 3,947 |
| Net loans and leases to core deposits | 80.5995% | 4,688 |
| Total domestic deposits to total assets | 91.9733% | 249 |
| Equity capital to assets | 7.6741% | 6,951 |
| Core capital (leverage) ratio | 7.5275% | 6,825 |
| Tier 1 risk-based capital ratio | 10.1197% | 6,953 |
| Total risk-based capital ratio | 11.3788% | 6,935 |
| Memoranda: | ||
| Average total assets | $227,383,500 | 2,900 |
| Average earning assets | $188,622,000 | 3,138 |
| Average equity | $17,577,000 | 3,555 |
| Average total loans | $170,924,000 | 2,592 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3539% | 4,925 |
| Cost of funding earning assets | 2.3601% | 1,424 |
| Net interest margin | 2.9938% | 6,661 |
| Noninterest income to average assets | 0.2690% | 6,193 |
| Noninterest expense to average assets | 3.3427% | 2,860 |
| Loan and lease loss provision to assets | 2.0829% | 1,017 |
| Net operating income to assets | -2.6022% | 7,294 |
| Return on assets (ROA) | -2.5884% | 7,292 |
| Pretax return on assets | -2.5884% | 7,168 |
| Return on Equity (ROE) | -32.6078% | 7,447 |
| Retained earnings to average equity (ytd only) | -32.6078% | 7,430 |
| Net charge-offs to loans | 2.9820% | 713 |
| Credit loss provision to net charge-offs | 89.0695% | 6,037 |
| Earnings coverage of net charge-offs (x) | -0.2221% | 6,479 |
| Efficiency ratio | 118.3928% | 632 |
| Assets per employee ($millions) | 4.9263% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1961% | 1,657 |
| Loan loss allowance to noncurrent loans | 16.4484% | 7,201 |
| Noncurrent assets plus other real estate owned to assets | 20.5622% | 52 |
| Noncurrent loans to loans | 13.3517% | 225 |
| Net loans and leases to total assets | 75.1296% | 1,998 |
| Net loans and leases to deposits | 81.7801% | 3,651 |
| Net loans and leases to core deposits | 99.3500% | 4,067 |
| Total domestic deposits to total assets | 91.8678% | 289 |
| Equity capital to assets | 7.7841% | 6,781 |
| Core capital (leverage) ratio | 7.6513% | 6,613 |
| Tier 1 risk-based capital ratio | 10.1026% | 6,787 |
| Total risk-based capital ratio | 11.3642% | 6,745 |
| Memoranda: | ||
| Average total assets | $247,254,600 | 2,634 |
| Average earning assets | $210,969,200 | 2,826 |
| Average equity | $19,627,200 | 3,263 |
| Average total loans | $193,895,800 | 2,355 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4338% | 4,773 |
| Cost of funding earning assets | 2.4946% | 1,321 |
| Net interest margin | 2.9392% | 6,751 |
| Noninterest income to average assets | 0.2649% | 6,334 |
| Noninterest expense to average assets | 3.2087% | 3,274 |
| Loan and lease loss provision to assets | 1.8392% | 1,008 |
| Net operating income to assets | -2.2671% | 7,396 |
| Return on assets (ROA) | -2.2490% | 7,386 |
| Pretax return on assets | -2.2490% | 7,264 |
| Return on Equity (ROE) | -28.2061% | 7,566 |
| Retained earnings to average equity (ytd only) | -28.2061% | 7,552 |
| Net charge-offs to loans | 2.9791% | 563 |
| Credit loss provision to net charge-offs | 78.3582% | 5,803 |
| Earnings coverage of net charge-offs (x) | -0.1823% | 6,271 |
| Efficiency ratio | 115.3846% | 666 |
| Assets per employee ($millions) | 4.9905% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 1,933 |
| Loan loss allowance to noncurrent loans | 14.4780% | 7,349 |
| Noncurrent assets plus other real estate owned to assets | 19.4371% | 52 |
| Noncurrent loans to loans | 13.3919% | 207 |
| Net loans and leases to total assets | 75.6080% | 2,074 |
| Net loans and leases to deposits | 82.9200% | 3,843 |
| Net loans and leases to core deposits | 101.1997% | 4,244 |
| Total domestic deposits to total assets | 91.1819% | 351 |
| Equity capital to assets | 8.4411% | 6,327 |
| Core capital (leverage) ratio | 8.0789% | 6,222 |
| Tier 1 risk-based capital ratio | 10.9205% | 6,028 |
| Total risk-based capital ratio | 12.1792% | 5,976 |
| Memoranda: | ||
| Average total assets | $251,184,250 | 2,614 |
| Average earning assets | $215,019,750 | 2,787 |
| Average equity | $20,028,250 | 3,224 |
| Average total loans | $197,905,250 | 2,341 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5861% | 4,141 |
| Cost of funding earning assets | 2.6151% | 1,244 |
| Net interest margin | 2.9709% | 6,632 |
| Noninterest income to average assets | 0.2486% | 6,503 |
| Noninterest expense to average assets | 2.9828% | 4,151 |
| Loan and lease loss provision to assets | 1.6074% | 1,051 |
| Net operating income to assets | -1.7948% | 7,361 |
| Return on assets (ROA) | -1.7682% | 7,344 |
| Pretax return on assets | -1.7682% | 7,202 |
| Return on Equity (ROE) | -22.5903% | 7,578 |
| Retained earnings to average equity (ytd only) | -22.5903% | 7,534 |
| Net charge-offs to loans | 3.7388% | 395 |
| Credit loss provision to net charge-offs | 54.2041% | 5,696 |
| Earnings coverage of net charge-offs (x) | -0.0632% | 5,761 |
| Efficiency ratio | 106.7041% | 948 |
| Assets per employee ($millions) | 4.9347% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 3,428 |
| Loan loss allowance to noncurrent loans | 16.7903% | 7,293 |
| Noncurrent assets plus other real estate owned to assets | 16.1911% | 86 |
| Noncurrent loans to loans | 8.6753% | 467 |
| Net loans and leases to total assets | 76.9379% | 1,964 |
| Net loans and leases to deposits | 86.0007% | 3,551 |
| Net loans and leases to core deposits | 105.2792% | 3,926 |
| Total domestic deposits to total assets | 89.4619% | 1,059 |
| Equity capital to assets | 8.4589% | 6,109 |
| Core capital (leverage) ratio | 8.1406% | 6,096 |
| Tier 1 risk-based capital ratio | 11.0271% | 5,845 |
| Total risk-based capital ratio | 12.2799% | 5,768 |
| Memoranda: | ||
| Average total assets | $255,065,000 | 2,581 |
| Average earning assets | $218,651,330 | 2,754 |
| Average equity | $19,964,330 | 3,247 |
| Average total loans | $202,309,000 | 2,324 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 3,819 |
| Cost of funding earning assets | 2.7764% | 1,041 |
| Net interest margin | 2.9212% | 6,698 |
| Noninterest income to average assets | 0.2453% | 6,494 |
| Noninterest expense to average assets | 2.3284% | 6,438 |
| Loan and lease loss provision to assets | 2.2374% | 527 |
| Net operating income to assets | -1.7992% | 7,601 |
| Return on assets (ROA) | -1.7992% | 7,604 |
| Pretax return on assets | -1.7992% | 7,471 |
| Return on Equity (ROE) | -23.9045% | 7,825 |
| Retained earnings to average equity (ytd only) | -23.9045% | 7,742 |
| Net charge-offs to loans | 2.7227% | 485 |
| Credit loss provision to net charge-offs | 102.8369% | 3,649 |
| Earnings coverage of net charge-offs (x) | 0.2014% | 4,820 |
| Efficiency ratio | 84.1606% | 2,284 |
| Assets per employee ($millions) | 4.8880% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2435% | 1,028 |
| Loan loss allowance to noncurrent loans | 28.6214% | 6,645 |
| Noncurrent assets plus other real estate owned to assets | 14.1073% | 94 |
| Noncurrent loans to loans | 7.8385% | 464 |
| Net loans and leases to total assets | 78.4813% | 1,703 |
| Net loans and leases to deposits | 89.0186% | 3,100 |
| Net loans and leases to core deposits | 110.3594% | 3,386 |
| Total domestic deposits to total assets | 88.1628% | 1,673 |
| Equity capital to assets | 7.5027% | 7,353 |
| Core capital (leverage) ratio | 7.1069% | 7,553 |
| Tier 1 risk-based capital ratio | 9.7133% | 7,240 |
| Total risk-based capital ratio | 10.9772% | 7,136 |
| Memoranda: | ||
| Average total assets | $259,230,500 | 2,556 |
| Average earning assets | $223,742,500 | 2,720 |
| Average equity | $19,511,000 | 3,342 |
| Average total loans | $207,144,500 | 2,297 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 7,096 |
| Cost of funding earning assets | 3.1061% | 1,488 |
| Net interest margin | 2.4845% | 7,773 |
| Noninterest income to average assets | 0.2483% | 6,670 |
| Noninterest expense to average assets | 2.4125% | 6,355 |
| Loan and lease loss provision to assets | 0.8868% | 1,683 |
| Net operating income to assets | -0.7613% | 7,109 |
| Return on assets (ROA) | -0.7229% | 6,980 |
| Pretax return on assets | -0.7229% | 6,827 |
| Return on Equity (ROE) | -9.4781% | 7,242 |
| Retained earnings to average equity (ytd only) | -9.6362% | 7,042 |
| Net charge-offs to loans | 0.7874% | 1,580 |
| Credit loss provision to net charge-offs | 136.4629% | 3,904 |
| Earnings coverage of net charge-offs (x) | 0.1932% | 6,126 |
| Efficiency ratio | 95.0524% | 1,216 |
| Assets per employee ($millions) | 4.8942% | 2,054 |
| Cash dividends to net income (ytd only)* | -1.6683% | 7,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1586% | 993 |
| Loan loss allowance to noncurrent loans | 27.2373% | 6,880 |
| Noncurrent assets plus other real estate owned to assets | 13.8194% | 73 |
| Noncurrent loans to loans | 7.9251% | 347 |
| Net loans and leases to total assets | 77.8298% | 2,187 |
| Net loans and leases to deposits | 88.2318% | 3,767 |
| Net loans and leases to core deposits | 110.8558% | 3,702 |
| Total domestic deposits to total assets | 88.2105% | 1,381 |
| Equity capital to assets | 7.5494% | 7,341 |
| Core capital (leverage) ratio | 7.3002% | 7,419 |
| Tier 1 risk-based capital ratio | 9.9736% | 6,761 |
| Total risk-based capital ratio | 11.2364% | 6,633 |
| Memoranda: | ||
| Average total assets | $281,902,800 | 2,307 |
| Average earning assets | $259,812,000 | 2,294 |
| Average equity | $21,502,200 | 3,040 |
| Average total loans | $232,652,400 | 2,031 |