Home > Generations Bank > Performance and Condition Ratios
Generations Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5935% | 2,907 |
| Cost of funding earning assets | 2.1339% | 726 |
| Net interest margin | 2.4595% | 4,132 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 3.1753% | 852 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | -0.4254% | 4,502 |
| Return on assets (ROA) | -0.4248% | 4,485 |
| Pretax return on assets | -0.5397% | 4,487 |
| Return on Equity (ROE) | -4.8100% | 4,468 |
| Retained earnings to average equity (ytd only) | -7.6529% | 4,437 |
| Net charge-offs to loans | 0.1406% | 720 |
| Credit loss provision to net charge-offs | 205.5432% | 1,205 |
| Earnings coverage of net charge-offs (x) | -2.7162% | 4,535 |
| Efficiency ratio | 110.6872% | 106 |
| Assets per employee ($millions) | 5.7163% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 3,773 |
| Loan loss allowance to noncurrent loans | 82.1725% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.8832% | 568 |
| Noncurrent loans to loans | 1.0753% | 680 |
| Net loans and leases to total assets | 78.8400% | 780 |
| Net loans and leases to deposits | 92.2385% | 1,070 |
| Net loans and leases to core deposits | 125.7061% | 491 |
| Total domestic deposits to total assets | 85.4700% | 2,169 |
| Equity capital to assets | 8.4452% | 3,090 |
| Core capital (leverage) ratio | 9.3683% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8012% | 1,935 |
| Memoranda: | ||
| Average total assets | $399,271,600 | 2,016 |
| Average earning assets | $356,245,800 | 2,063 |
| Average equity | $35,228,600 | 2,048 |
| Average total loans | $320,700,200 | 1,719 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 2,912 |
| Cost of funding earning assets | 1.9051% | 858 |
| Net interest margin | 2.5969% | 4,035 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.1382% | 887 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | -0.3669% | 4,523 |
| Return on assets (ROA) | -0.3661% | 4,507 |
| Pretax return on assets | -0.4637% | 4,514 |
| Return on Equity (ROE) | -4.1000% | 4,489 |
| Retained earnings to average equity (ytd only) | -7.9000% | 4,481 |
| Net charge-offs to loans | 0.1052% | 753 |
| Credit loss provision to net charge-offs | 202.0000% | 1,114 |
| Earnings coverage of net charge-offs (x) | -3.3800% | 4,577 |
| Efficiency ratio | 110.0321% | 105 |
| Assets per employee ($millions) | 4.9043% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8304% | 3,917 |
| Loan loss allowance to noncurrent loans | 68.8516% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 489 |
| Noncurrent loans to loans | 1.2061% | 648 |
| Net loans and leases to total assets | 80.7400% | 565 |
| Net loans and leases to deposits | 94.7469% | 839 |
| Net loans and leases to core deposits | 125.6160% | 423 |
| Total domestic deposits to total assets | 85.2200% | 2,435 |
| Equity capital to assets | 8.2531% | 2,886 |
| Core capital (leverage) ratio | 9.8500% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8104% | 1,967 |
| Memoranda: | ||
| Average total assets | $393,337,250 | 2,034 |
| Average earning assets | $350,353,000 | 2,094 |
| Average equity | $35,104,750 | 2,043 |
| Average total loans | $316,761,500 | 1,733 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 2,814 |
| Cost of funding earning assets | 1.6635% | 945 |
| Net interest margin | 2.7650% | 3,878 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 3.1829% | 808 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | -0.2131% | 4,539 |
| Return on assets (ROA) | -0.2114% | 4,521 |
| Pretax return on assets | -0.2685% | 4,527 |
| Return on Equity (ROE) | -2.3100% | 4,500 |
| Retained earnings to average equity (ytd only) | -7.9252% | 4,484 |
| Net charge-offs to loans | 0.0359% | 1,184 |
| Credit loss provision to net charge-offs | 589.2857% | 581 |
| Earnings coverage of net charge-offs (x) | -3.5000% | 4,623 |
| Efficiency ratio | 103.2549% | 134 |
| Assets per employee ($millions) | 4.7976% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 3,857 |
| Loan loss allowance to noncurrent loans | 82.5439% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 529 |
| Noncurrent loans to loans | 1.0549% | 692 |
| Net loans and leases to total assets | 80.1900% | 609 |
| Net loans and leases to deposits | 93.6801% | 892 |
| Net loans and leases to core deposits | 119.4650% | 529 |
| Total domestic deposits to total assets | 85.6000% | 2,360 |
| Equity capital to assets | 8.9215% | 2,571 |
| Core capital (leverage) ratio | 10.3828% | 2,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4307% | 1,749 |
| Memoranda: | ||
| Average total assets | $388,763,000 | 2,048 |
| Average earning assets | $345,890,667 | 2,113 |
| Average equity | $35,608,000 | 2,036 |
| Average total loans | $311,878,667 | 1,736 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 2,486 |
| Cost of funding earning assets | 1.4602% | 920 |
| Net interest margin | 2.9624% | 3,671 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 3.2150% | 781 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | -0.1851% | 4,546 |
| Return on assets (ROA) | -0.1842% | 4,533 |
| Pretax return on assets | -0.2329% | 4,534 |
| Return on Equity (ROE) | -1.9900% | 4,508 |
| Retained earnings to average equity (ytd only) | -13.1387% | 4,528 |
| Net charge-offs to loans | 0.0117% | 1,511 |
| Credit loss provision to net charge-offs | 1,833.3333% | 219 |
| Earnings coverage of net charge-offs (x) | -6.7778% | 4,661 |
| Efficiency ratio | 102.0033% | 151 |
| Assets per employee ($millions) | 4.6741% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 3,979 |
| Loan loss allowance to noncurrent loans | 84.5982% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8475% | 550 |
| Noncurrent loans to loans | 1.0083% | 720 |
| Net loans and leases to total assets | 79.4900% | 586 |
| Net loans and leases to deposits | 90.6062% | 1,003 |
| Net loans and leases to core deposits | 118.2504% | 487 |
| Total domestic deposits to total assets | 87.7300% | 2,015 |
| Equity capital to assets | 9.1429% | 2,412 |
| Core capital (leverage) ratio | 10.3151% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3525% | 1,850 |
| Memoranda: | ||
| Average total assets | $386,444,500 | 2,079 |
| Average earning assets | $343,239,500 | 2,161 |
| Average equity | $35,863,500 | 2,048 |
| Average total loans | $308,700,500 | 1,764 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 1,578 |
| Cost of funding earning assets | 0.5877% | 951 |
| Net interest margin | 3.4652% | 2,051 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 3.0649% | 878 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.2740% | 4,388 |
| Return on assets (ROA) | 0.2727% | 4,370 |
| Pretax return on assets | 0.3264% | 4,359 |
| Return on Equity (ROE) | 2.6600% | 4,325 |
| Retained earnings to average equity (ytd only) | -0.5846% | 4,407 |
| Net charge-offs to loans | -0.0087% | 3,772 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.0665% | 418 |
| Assets per employee ($millions) | 4.6944% | 3,898 |
| Cash dividends to net income (ytd only)* | 121.9512% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 4,000 |
| Loan loss allowance to noncurrent loans | 57.1265% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 342 |
| Noncurrent loans to loans | 1.4267% | 465 |
| Net loans and leases to total assets | 78.9400% | 702 |
| Net loans and leases to deposits | 94.7948% | 727 |
| Net loans and leases to core deposits | 117.4615% | 416 |
| Total domestic deposits to total assets | 83.2800% | 3,359 |
| Equity capital to assets | 9.4189% | 2,071 |
| Core capital (leverage) ratio | 10.9752% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7085% | 1,730 |
| Memoranda: | ||
| Average total assets | $375,895,800 | 2,119 |
| Average earning assets | $331,783,000 | 2,191 |
| Average equity | $38,486,000 | 1,975 |
| Average total loans | $287,980,200 | 1,777 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 1,291 |
| Cost of funding earning assets | 0.4437% | 1,012 |
| Net interest margin | 3.5421% | 1,541 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 3.0710% | 827 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.3564% | 4,312 |
| Return on assets (ROA) | 0.3540% | 4,265 |
| Pretax return on assets | 0.4246% | 4,242 |
| Return on Equity (ROE) | 3.3900% | 4,248 |
| Retained earnings to average equity (ytd only) | -0.8811% | 4,416 |
| Net charge-offs to loans | -0.0019% | 3,256 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.6753% | 563 |
| Assets per employee ($millions) | 4.4821% | 4,069 |
| Cash dividends to net income (ytd only)* | 126.0081% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 4,114 |
| Loan loss allowance to noncurrent loans | 64.8272% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9830% | 455 |
| Noncurrent loans to loans | 1.2205% | 600 |
| Net loans and leases to total assets | 78.4000% | 674 |
| Net loans and leases to deposits | 94.0288% | 637 |
| Net loans and leases to core deposits | 110.0512% | 466 |
| Total domestic deposits to total assets | 83.3800% | 3,629 |
| Equity capital to assets | 9.7935% | 1,729 |
| Core capital (leverage) ratio | 11.2146% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0592% | 1,691 |
| Memoranda: | ||
| Average total assets | $373,635,250 | 2,135 |
| Average earning assets | $329,329,750 | 2,207 |
| Average equity | $39,043,250 | 1,979 |
| Average total loans | $283,381,000 | 1,793 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 1,029 |
| Cost of funding earning assets | 0.4300% | 762 |
| Net interest margin | 3.5185% | 1,268 |
| Noninterest income to average assets | 0.5810% | 1,822 |
| Noninterest expense to average assets | 3.0691% | 763 |
| Loan and lease loss provision to assets | 0.1604% | 582 |
| Net operating income to assets | 0.3801% | 4,144 |
| Return on assets (ROA) | 0.3774% | 4,106 |
| Pretax return on assets | 0.4495% | 4,083 |
| Return on Equity (ROE) | 3.5377% | 4,126 |
| Retained earnings to average equity (ytd only) | 3.5377% | 3,258 |
| Net charge-offs to loans | -0.0336% | 4,091 |
| Credit loss provision to net charge-offs | -638.2979% | 3,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3503% | 720 |
| Assets per employee ($millions) | 4.4902% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 4,216 |
| Loan loss allowance to noncurrent loans | 63.9579% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 512 |
| Noncurrent loans to loans | 1.2083% | 658 |
| Net loans and leases to total assets | 76.3007% | 698 |
| Net loans and leases to deposits | 89.0956% | 766 |
| Net loans and leases to core deposits | 103.1844% | 542 |
| Total domestic deposits to total assets | 85.6391% | 3,343 |
| Equity capital to assets | 10.1135% | 1,645 |
| Core capital (leverage) ratio | 11.0196% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2267% | 1,645 |
| Memoranda: | ||
| Average total assets | $374,176,000 | 2,144 |
| Average earning assets | $329,799,667 | 2,228 |
| Average equity | $39,913,333 | 1,996 |
| Average total loans | $279,849,000 | 1,808 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 864 |
| Cost of funding earning assets | 0.4292% | 726 |
| Net interest margin | 3.5118% | 1,071 |
| Noninterest income to average assets | 0.6088% | 1,660 |
| Noninterest expense to average assets | 3.0321% | 784 |
| Loan and lease loss provision to assets | 0.1591% | 486 |
| Net operating income to assets | 0.4325% | 3,889 |
| Return on assets (ROA) | 0.4316% | 3,854 |
| Pretax return on assets | 0.5144% | 3,847 |
| Return on Equity (ROE) | 3.9466% | 3,889 |
| Retained earnings to average equity (ytd only) | 3.9466% | 2,949 |
| Net charge-offs to loans | 0.0244% | 1,076 |
| Credit loss provision to net charge-offs | 882.3529% | 369 |
| Earnings coverage of net charge-offs (x) | 37.4118% | 1,034 |
| Efficiency ratio | 81.8026% | 996 |
| Assets per employee ($millions) | 4.3706% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 4,364 |
| Loan loss allowance to noncurrent loans | 63.4319% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 658 |
| Noncurrent loans to loans | 1.1257% | 793 |
| Net loans and leases to total assets | 73.0258% | 735 |
| Net loans and leases to deposits | 86.4806% | 706 |
| Net loans and leases to core deposits | 101.0299% | 478 |
| Total domestic deposits to total assets | 84.4419% | 3,665 |
| Equity capital to assets | 10.8028% | 1,439 |
| Core capital (leverage) ratio | 11.1588% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7240% | 1,582 |
| Memoranda: | ||
| Average total assets | $377,164,000 | 2,144 |
| Average earning assets | $332,708,500 | 2,223 |
| Average equity | $41,251,000 | 2,008 |
| Average total loans | $278,210,000 | 1,799 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 1,123 |
| Cost of funding earning assets | 0.5088% | 893 |
| Net interest margin | 3.6124% | 1,435 |
| Noninterest income to average assets | 0.6404% | 1,989 |
| Noninterest expense to average assets | 3.2422% | 686 |
| Loan and lease loss provision to assets | 0.1427% | 838 |
| Net operating income to assets | 0.3666% | 4,319 |
| Return on assets (ROA) | 0.3704% | 4,347 |
| Pretax return on assets | 0.4449% | 4,337 |
| Return on Equity (ROE) | 3.5751% | 4,280 |
| Retained earnings to average equity (ytd only) | 3.5751% | 3,394 |
| Net charge-offs to loans | 0.1817% | 533 |
| Credit loss provision to net charge-offs | 103.8462% | 1,763 |
| Earnings coverage of net charge-offs (x) | 4.2442% | 2,503 |
| Efficiency ratio | 84.7514% | 534 |
| Assets per employee ($millions) | 4.4504% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 4,485 |
| Loan loss allowance to noncurrent loans | 56.4032% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 673 |
| Noncurrent loans to loans | 1.1659% | 825 |
| Net loans and leases to total assets | 73.5209% | 707 |
| Net loans and leases to deposits | 87.9081% | 656 |
| Net loans and leases to core deposits | 101.7975% | 459 |
| Total domestic deposits to total assets | 83.6339% | 3,649 |
| Equity capital to assets | 11.0522% | 1,757 |
| Core capital (leverage) ratio | 10.9635% | 1,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4619% | 1,692 |
| Memoranda: | ||
| Average total assets | $378,539,000 | 2,067 |
| Average earning assets | $333,743,800 | 2,171 |
| Average equity | $39,215,600 | 2,106 |
| Average total loans | $286,165,800 | 1,761 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 1,257 |
| Cost of funding earning assets | 0.5306% | 910 |
| Net interest margin | 3.5894% | 1,623 |
| Noninterest income to average assets | 0.6357% | 2,069 |
| Noninterest expense to average assets | 3.2480% | 653 |
| Loan and lease loss provision to assets | 0.1426% | 794 |
| Net operating income to assets | 0.3379% | 4,458 |
| Return on assets (ROA) | 0.3423% | 4,481 |
| Pretax return on assets | 0.4141% | 4,479 |
| Return on Equity (ROE) | 3.3603% | 4,410 |
| Retained earnings to average equity (ytd only) | 3.3603% | 3,782 |
| Net charge-offs to loans | 0.0718% | 931 |
| Credit loss provision to net charge-offs | 261.2903% | 1,071 |
| Earnings coverage of net charge-offs (x) | 10.1032% | 2,048 |
| Efficiency ratio | 85.4759% | 453 |
| Assets per employee ($millions) | 4.1510% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7154% | 4,480 |
| Loan loss allowance to noncurrent loans | 56.5692% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 679 |
| Noncurrent loans to loans | 1.2646% | 870 |
| Net loans and leases to total assets | 76.0892% | 547 |
| Net loans and leases to deposits | 91.3192% | 523 |
| Net loans and leases to core deposits | 98.8982% | 631 |
| Total domestic deposits to total assets | 83.3223% | 3,627 |
| Equity capital to assets | 10.8197% | 2,151 |
| Core capital (leverage) ratio | 10.7842% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9797% | 1,977 |
| Memoranda: | ||
| Average total assets | $378,602,000 | 2,089 |
| Average earning assets | $333,716,250 | 2,189 |
| Average equity | $38,567,250 | 2,158 |
| Average total loans | $287,717,000 | 1,781 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0330% | 1,487 |
| Cost of funding earning assets | 0.5522% | 928 |
| Net interest margin | 3.4808% | 1,913 |
| Noninterest income to average assets | 0.6398% | 2,044 |
| Noninterest expense to average assets | 3.0859% | 860 |
| Loan and lease loss provision to assets | 0.1425% | 848 |
| Net operating income to assets | 0.3971% | 4,387 |
| Return on assets (ROA) | 0.3980% | 4,424 |
| Pretax return on assets | 0.4835% | 4,408 |
| Return on Equity (ROE) | 3.9895% | 4,334 |
| Retained earnings to average equity (ytd only) | 3.9895% | 3,521 |
| Net charge-offs to loans | 0.0801% | 871 |
| Credit loss provision to net charge-offs | 234.7826% | 986 |
| Earnings coverage of net charge-offs (x) | 10.2957% | 1,805 |
| Efficiency ratio | 83.1579% | 602 |
| Assets per employee ($millions) | 4.0054% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6829% | 4,562 |
| Loan loss allowance to noncurrent loans | 50.0380% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 714 |
| Noncurrent loans to loans | 1.3648% | 855 |
| Net loans and leases to total assets | 75.5210% | 631 |
| Net loans and leases to deposits | 91.2065% | 584 |
| Net loans and leases to core deposits | 98.7628% | 694 |
| Total domestic deposits to total assets | 82.8022% | 3,750 |
| Equity capital to assets | 10.7528% | 2,182 |
| Core capital (leverage) ratio | 10.6208% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8553% | 2,022 |
| Memoranda: | ||
| Average total assets | $378,890,000 | 2,081 |
| Average earning assets | $334,295,333 | 2,170 |
| Average equity | $37,799,667 | 2,185 |
| Average total loans | $287,126,333 | 1,798 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0212% | 1,566 |
| Cost of funding earning assets | 0.5765% | 980 |
| Net interest margin | 3.4447% | 1,980 |
| Noninterest income to average assets | 0.6041% | 2,187 |
| Noninterest expense to average assets | 3.0459% | 919 |
| Loan and lease loss provision to assets | 0.1428% | 931 |
| Net operating income to assets | 0.3665% | 4,417 |
| Return on assets (ROA) | 0.3682% | 4,449 |
| Pretax return on assets | 0.4518% | 4,415 |
| Return on Equity (ROE) | 3.8409% | 4,317 |
| Retained earnings to average equity (ytd only) | 3.8409% | 3,549 |
| Net charge-offs to loans | 0.1049% | 661 |
| Credit loss provision to net charge-offs | 180.0000% | 921 |
| Earnings coverage of net charge-offs (x) | 7.4667% | 1,614 |
| Efficiency ratio | 83.7162% | 610 |
| Assets per employee ($millions) | 4.0240% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 4,622 |
| Loan loss allowance to noncurrent loans | 44.3841% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.1204% | 695 |
| Noncurrent loans to loans | 1.4910% | 839 |
| Net loans and leases to total assets | 73.8635% | 828 |
| Net loans and leases to deposits | 89.7737% | 710 |
| Net loans and leases to core deposits | 96.8672% | 851 |
| Total domestic deposits to total assets | 82.2775% | 3,838 |
| Equity capital to assets | 10.5461% | 2,221 |
| Core capital (leverage) ratio | 10.6306% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9458% | 1,584 |
| Memoranda: | ||
| Average total assets | $378,078,000 | 2,071 |
| Average earning assets | $333,037,500 | 2,161 |
| Average equity | $36,241,500 | 2,247 |
| Average total loans | $286,017,500 | 1,803 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 1,956 |
| Cost of funding earning assets | 0.9009% | 856 |
| Net interest margin | 3.3681% | 2,873 |
| Noninterest income to average assets | 0.7601% | 1,663 |
| Noninterest expense to average assets | 3.3061% | 899 |
| Loan and lease loss provision to assets | 0.1324% | 2,704 |
| Net operating income to assets | 0.2486% | 4,500 |
| Return on assets (ROA) | 0.4864% | 4,139 |
| Pretax return on assets | 0.5330% | 4,210 |
| Return on Equity (ROE) | 5.7389% | 3,666 |
| Retained earnings to average equity (ytd only) | 5.7389% | 1,938 |
| Net charge-offs to loans | 0.1126% | 1,351 |
| Credit loss provision to net charge-offs | 152.8662% | 2,411 |
| Earnings coverage of net charge-offs (x) | 4.6656% | 2,955 |
| Efficiency ratio | 89.0988% | 406 |
| Assets per employee ($millions) | 3.9758% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 4,679 |
| Loan loss allowance to noncurrent loans | 34.3362% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.4363% | 526 |
| Noncurrent loans to loans | 1.8479% | 662 |
| Net loans and leases to total assets | 76.5158% | 734 |
| Net loans and leases to deposits | 91.6245% | 806 |
| Net loans and leases to core deposits | 98.6750% | 976 |
| Total domestic deposits to total assets | 83.5102% | 3,261 |
| Equity capital to assets | 8.5760% | 4,392 |
| Core capital (leverage) ratio | 8.7225% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8797% | 2,680 |
| Memoranda: | ||
| Average total assets | $362,454,200 | 1,993 |
| Average earning assets | $317,475,200 | 2,088 |
| Average equity | $30,720,400 | 2,449 |
| Average total loans | $278,854,000 | 1,779 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 2,085 |
| Cost of funding earning assets | 0.9583% | 884 |
| Net interest margin | 3.3465% | 3,048 |
| Noninterest income to average assets | 0.8082% | 1,463 |
| Noninterest expense to average assets | 3.2751% | 944 |
| Loan and lease loss provision to assets | 0.1223% | 2,800 |
| Net operating income to assets | 0.4056% | 4,256 |
| Return on assets (ROA) | 0.5372% | 4,028 |
| Pretax return on assets | 0.4723% | 4,336 |
| Return on Equity (ROE) | 6.3577% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.3577% | 1,941 |
| Net charge-offs to loans | -0.0607% | 4,721 |
| Credit loss provision to net charge-offs | -261.9048% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6029% | 433 |
| Assets per employee ($millions) | 3.7250% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7217% | 4,533 |
| Loan loss allowance to noncurrent loans | 53.5561% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 1,000 |
| Noncurrent loans to loans | 1.3476% | 1,092 |
| Net loans and leases to total assets | 78.9294% | 720 |
| Net loans and leases to deposits | 95.5243% | 795 |
| Net loans and leases to core deposits | 103.8004% | 936 |
| Total domestic deposits to total assets | 82.6276% | 3,244 |
| Equity capital to assets | 8.6999% | 4,331 |
| Core capital (leverage) ratio | 8.5403% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9590% | 2,628 |
| Memoranda: | ||
| Average total assets | $359,635,750 | 1,980 |
| Average earning assets | $314,867,000 | 2,081 |
| Average equity | $30,387,750 | 2,452 |
| Average total loans | $276,620,750 | 1,778 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 2,396 |
| Cost of funding earning assets | 0.9977% | 992 |
| Net interest margin | 3.3320% | 3,301 |
| Noninterest income to average assets | 0.8828% | 1,210 |
| Noninterest expense to average assets | 3.3159% | 966 |
| Loan and lease loss provision to assets | 0.1010% | 3,008 |
| Net operating income to assets | 0.3786% | 4,275 |
| Return on assets (ROA) | 0.3074% | 4,452 |
| Pretax return on assets | 0.3074% | 4,524 |
| Return on Equity (ROE) | 3.7034% | 4,195 |
| Retained earnings to average equity (ytd only) | 3.7034% | 3,063 |
| Net charge-offs to loans | -0.1151% | 4,869 |
| Credit loss provision to net charge-offs | -115.3846% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3652% | 484 |
| Assets per employee ($millions) | 3.6509% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 4,566 |
| Loan loss allowance to noncurrent loans | 42.3959% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2710% | 832 |
| Noncurrent loans to loans | 1.6475% | 889 |
| Net loans and leases to total assets | 76.2028% | 1,102 |
| Net loans and leases to deposits | 92.2987% | 1,124 |
| Net loans and leases to core deposits | 103.6061% | 1,029 |
| Total domestic deposits to total assets | 82.5610% | 3,217 |
| Equity capital to assets | 8.1746% | 4,645 |
| Core capital (leverage) ratio | 8.1318% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5816% | 2,778 |
| Memoranda: | ||
| Average total assets | $356,589,333 | 1,976 |
| Average earning assets | $311,708,333 | 2,065 |
| Average equity | $29,594,667 | 2,492 |
| Average total loans | $271,098,333 | 1,792 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 2,658 |
| Cost of funding earning assets | 1.0699% | 1,142 |
| Net interest margin | 3.3192% | 3,548 |
| Noninterest income to average assets | 0.7755% | 1,382 |
| Noninterest expense to average assets | 3.5367% | 883 |
| Loan and lease loss provision to assets | 0.1032% | 2,390 |
| Net operating income to assets | 0.0256% | 4,733 |
| Return on assets (ROA) | -0.1973% | 4,825 |
| Pretax return on assets | -0.2570% | 4,834 |
| Return on Equity (ROE) | -2.3585% | 4,849 |
| Retained earnings to average equity (ytd only) | -2.3585% | 4,290 |
| Net charge-offs to loans | -0.0030% | 3,726 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4945% | 310 |
| Assets per employee ($millions) | 3.3295% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6588% | 4,675 |
| Loan loss allowance to noncurrent loans | 27.7084% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.8158% | 494 |
| Noncurrent loans to loans | 2.3778% | 518 |
| Net loans and leases to total assets | 75.5626% | 1,375 |
| Net loans and leases to deposits | 93.1549% | 1,163 |
| Net loans and leases to core deposits | 106.2277% | 1,048 |
| Total domestic deposits to total assets | 81.1149% | 3,637 |
| Equity capital to assets | 8.3756% | 4,873 |
| Core capital (leverage) ratio | 8.5093% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0859% | 2,657 |
| Memoranda: | ||
| Average total assets | $348,686,000 | 1,964 |
| Average earning assets | $303,571,000 | 2,058 |
| Average equity | $29,171,000 | 2,504 |
| Average total loans | $263,761,500 | 1,791 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 2,458 |
| Cost of funding earning assets | 1.1198% | 1,258 |
| Net interest margin | 3.5349% | 3,330 |
| Noninterest income to average assets | 0.8468% | 1,312 |
| Noninterest expense to average assets | 3.9051% | 595 |
| Loan and lease loss provision to assets | 0.1110% | 1,878 |
| Net operating income to assets | -0.1338% | 5,010 |
| Return on assets (ROA) | 0.0305% | 4,975 |
| Pretax return on assets | 0.0305% | 4,971 |
| Return on Equity (ROE) | 0.3451% | 4,969 |
| Retained earnings to average equity (ytd only) | 0.3451% | 4,596 |
| Net charge-offs to loans | 0.0987% | 1,739 |
| Credit loss provision to net charge-offs | 145.1613% | 1,768 |
| Earnings coverage of net charge-offs (x) | -0.2984% | 3,641 |
| Efficiency ratio | 100.5799% | 153 |
| Assets per employee ($millions) | 3.3440% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 4,679 |
| Loan loss allowance to noncurrent loans | 26.9000% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.7917% | 489 |
| Noncurrent loans to loans | 2.3589% | 493 |
| Net loans and leases to total assets | 74.7456% | 1,627 |
| Net loans and leases to deposits | 90.8197% | 1,502 |
| Net loans and leases to core deposits | 104.1572% | 1,220 |
| Total domestic deposits to total assets | 82.3011% | 3,421 |
| Equity capital to assets | 8.3563% | 4,967 |
| Core capital (leverage) ratio | 8.1401% | 4,996 |
| Tier 1 risk-based capital ratio | 12.2104% | 4,238 |
| Total risk-based capital ratio | 12.9173% | 4,432 |
| Memoranda: | ||
| Average total assets | $324,270,600 | 2,014 |
| Average earning assets | $278,451,200 | 2,157 |
| Average equity | $28,684,200 | 2,462 |
| Average total loans | $251,261,600 | 1,823 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 2,536 |
| Cost of funding earning assets | 1.0981% | 1,366 |
| Net interest margin | 3.5591% | 3,376 |
| Noninterest income to average assets | 0.8652% | 1,226 |
| Noninterest expense to average assets | 3.9321% | 569 |
| Loan and lease loss provision to assets | 0.1131% | 1,725 |
| Net operating income to assets | -0.1332% | 5,090 |
| Return on assets (ROA) | 0.0917% | 5,036 |
| Pretax return on assets | 0.0917% | 5,042 |
| Return on Equity (ROE) | 1.0213% | 5,011 |
| Retained earnings to average equity (ytd only) | 1.0213% | 4,560 |
| Net charge-offs to loans | 0.0525% | 2,081 |
| Credit loss provision to net charge-offs | 275.5102% | 1,007 |
| Earnings coverage of net charge-offs (x) | -0.4898% | 3,388 |
| Efficiency ratio | 100.5031% | 147 |
| Assets per employee ($millions) | 3.2323% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 4,688 |
| Loan loss allowance to noncurrent loans | 34.4338% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.5556% | 693 |
| Noncurrent loans to loans | 1.9727% | 685 |
| Net loans and leases to total assets | 77.8510% | 1,170 |
| Net loans and leases to deposits | 97.5742% | 863 |
| Net loans and leases to core deposits | 111.4039% | 878 |
| Total domestic deposits to total assets | 79.7865% | 4,030 |
| Equity capital to assets | 8.9782% | 4,790 |
| Core capital (leverage) ratio | 9.0337% | 4,612 |
| Tier 1 risk-based capital ratio | 12.6148% | 4,075 |
| Total risk-based capital ratio | 13.3696% | 4,249 |
| Memoranda: | ||
| Average total assets | $318,395,000 | 2,057 |
| Average earning assets | $272,575,250 | 2,208 |
| Average equity | $28,590,000 | 2,485 |
| Average total loans | $248,675,750 | 1,846 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6846% | 2,412 |
| Cost of funding earning assets | 1.0954% | 1,317 |
| Net interest margin | 3.5892% | 3,293 |
| Noninterest income to average assets | 0.8750% | 1,137 |
| Noninterest expense to average assets | 3.9813% | 551 |
| Loan and lease loss provision to assets | 0.1136% | 1,656 |
| Net operating income to assets | -0.1477% | 5,139 |
| Return on assets (ROA) | 0.0019% | 5,108 |
| Pretax return on assets | 0.0019% | 5,108 |
| Return on Equity (ROE) | 0.0211% | 5,108 |
| Retained earnings to average equity (ytd only) | 0.0211% | 4,678 |
| Net charge-offs to loans | 0.0575% | 1,825 |
| Credit loss provision to net charge-offs | 253.5211% | 1,004 |
| Earnings coverage of net charge-offs (x) | -0.7606% | 3,117 |
| Efficiency ratio | 100.8637% | 152 |
| Assets per employee ($millions) | 3.0598% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6706% | 4,754 |
| Loan loss allowance to noncurrent loans | 35.1730% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 746 |
| Noncurrent loans to loans | 1.9065% | 773 |
| Net loans and leases to total assets | 77.8808% | 1,242 |
| Net loans and leases to deposits | 94.0731% | 1,253 |
| Net loans and leases to core deposits | 107.1887% | 1,161 |
| Total domestic deposits to total assets | 82.7876% | 3,275 |
| Equity capital to assets | 9.0717% | 4,754 |
| Core capital (leverage) ratio | 9.0987% | 4,552 |
| Tier 1 risk-based capital ratio | 12.7829% | 3,957 |
| Total risk-based capital ratio | 13.5258% | 4,124 |
| Memoranda: | ||
| Average total assets | $316,783,670 | 2,072 |
| Average earning assets | $271,144,000 | 2,221 |
| Average equity | $28,446,670 | 2,486 |
| Average total loans | $247,115,000 | 1,861 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 2,189 |
| Cost of funding earning assets | 1.0642% | 1,315 |
| Net interest margin | 3.6465% | 3,084 |
| Noninterest income to average assets | 0.8816% | 1,079 |
| Noninterest expense to average assets | 3.9824% | 555 |
| Loan and lease loss provision to assets | 0.1134% | 1,568 |
| Net operating income to assets | -0.0982% | 5,178 |
| Return on assets (ROA) | 0.1662% | 5,044 |
| Pretax return on assets | 0.1662% | 5,060 |
| Return on Equity (ROE) | 1.8608% | 4,983 |
| Retained earnings to average equity (ytd only) | 1.8608% | 4,105 |
| Net charge-offs to loans | -0.0388% | 4,754 |
| Credit loss provision to net charge-offs | -375.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6219% | 181 |
| Assets per employee ($millions) | 2.8795% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 4,830 |
| Loan loss allowance to noncurrent loans | 63.3626% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 1,683 |
| Noncurrent loans to loans | 1.0565% | 1,576 |
| Net loans and leases to total assets | 77.8558% | 1,182 |
| Net loans and leases to deposits | 94.3979% | 1,126 |
| Net loans and leases to core deposits | 108.2859% | 1,039 |
| Total domestic deposits to total assets | 82.4762% | 3,588 |
| Equity capital to assets | 9.0277% | 4,659 |
| Core capital (leverage) ratio | 8.8801% | 4,734 |
| Tier 1 risk-based capital ratio | 12.7883% | 3,985 |
| Total risk-based capital ratio | 13.5312% | 4,165 |
| Memoranda: | ||
| Average total assets | $317,597,500 | 2,076 |
| Average earning assets | $271,387,000 | 2,230 |
| Average equity | $28,375,000 | 2,493 |
| Average total loans | $247,121,000 | 1,876 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 2,195 |
| Cost of funding earning assets | 1.0003% | 745 |
| Net interest margin | 3.5788% | 3,454 |
| Noninterest income to average assets | 0.8728% | 1,256 |
| Noninterest expense to average assets | 3.9564% | 569 |
| Loan and lease loss provision to assets | 0.0579% | 3,003 |
| Net operating income to assets | -0.0864% | 5,258 |
| Return on assets (ROA) | -0.0794% | 5,253 |
| Pretax return on assets | -0.0794% | 5,248 |
| Return on Equity (ROE) | -0.8801% | 5,257 |
| Retained earnings to average equity (ytd only) | -0.8801% | 5,079 |
| Net charge-offs to loans | 0.4841% | 373 |
| Credit loss provision to net charge-offs | 15.7658% | 3,414 |
| Earnings coverage of net charge-offs (x) | -0.0775% | 3,717 |
| Efficiency ratio | 100.7162% | 135 |
| Assets per employee ($millions) | 2.6742% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6293% | 4,926 |
| Loan loss allowance to noncurrent loans | 35.8085% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 903 |
| Noncurrent loans to loans | 1.7575% | 810 |
| Net loans and leases to total assets | 76.8089% | 1,468 |
| Net loans and leases to deposits | 92.7828% | 1,427 |
| Net loans and leases to core deposits | 107.4206% | 1,166 |
| Total domestic deposits to total assets | 82.7836% | 3,399 |
| Equity capital to assets | 8.8173% | 4,721 |
| Core capital (leverage) ratio | 9.1869% | 4,470 |
| Tier 1 risk-based capital ratio | 12.6866% | 4,019 |
| Total risk-based capital ratio | 13.3492% | 4,253 |
| Memoranda: | ||
| Average total assets | $302,146,200 | 2,142 |
| Average earning assets | $257,935,400 | 2,280 |
| Average equity | $27,270,200 | 2,499 |
| Average total loans | $229,299,200 | 1,951 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 2,291 |
| Cost of funding earning assets | 0.9667% | 695 |
| Net interest margin | 3.5374% | 3,567 |
| Noninterest income to average assets | 0.8658% | 1,297 |
| Noninterest expense to average assets | 3.8810% | 608 |
| Loan and lease loss provision to assets | 0.0514% | 2,958 |
| Net operating income to assets | -0.0505% | 5,320 |
| Return on assets (ROA) | -0.0479% | 5,316 |
| Pretax return on assets | -0.0479% | 5,312 |
| Return on Equity (ROE) | -0.5269% | 5,319 |
| Retained earnings to average equity (ytd only) | -0.5269% | 5,097 |
| Net charge-offs to loans | 0.4827% | 330 |
| Credit loss provision to net charge-offs | 14.1104% | 3,043 |
| Earnings coverage of net charge-offs (x) | 0.0025% | 3,419 |
| Efficiency ratio | 99.9654% | 154 |
| Assets per employee ($millions) | 3.2600% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 4,805 |
| Loan loss allowance to noncurrent loans | 69.8121% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 1,921 |
| Noncurrent loans to loans | 1.0498% | 1,620 |
| Net loans and leases to total assets | 71.9202% | 2,340 |
| Net loans and leases to deposits | 90.1917% | 1,868 |
| Net loans and leases to core deposits | 106.0488% | 1,307 |
| Total domestic deposits to total assets | 79.7415% | 4,165 |
| Equity capital to assets | 8.7606% | 4,748 |
| Core capital (leverage) ratio | 9.8162% | 3,834 |
| Tier 1 risk-based capital ratio | 12.6791% | 4,090 |
| Total risk-based capital ratio | 13.4542% | 4,272 |
| Memoranda: | ||
| Average total assets | $298,126,250 | 2,177 |
| Average earning assets | $254,190,500 | 2,323 |
| Average equity | $27,073,000 | 2,518 |
| Average total loans | $225,130,500 | 1,991 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7350% | 1,418 |
| Cost of funding earning assets | 0.9689% | 541 |
| Net interest margin | 3.7660% | 2,691 |
| Noninterest income to average assets | 0.9181% | 1,133 |
| Noninterest expense to average assets | 4.0220% | 511 |
| Loan and lease loss provision to assets | 0.0245% | 3,426 |
| Net operating income to assets | 0.0945% | 5,295 |
| Return on assets (ROA) | 0.0987% | 5,286 |
| Pretax return on assets | 0.0987% | 5,291 |
| Return on Equity (ROE) | 1.0726% | 5,265 |
| Retained earnings to average equity (ytd only) | 1.0726% | 4,738 |
| Net charge-offs to loans | 0.5578% | 263 |
| Credit loss provision to net charge-offs | 5.7283% | 2,747 |
| Earnings coverage of net charge-offs (x) | 0.2782% | 3,132 |
| Efficiency ratio | 97.1250% | 203 |
| Assets per employee ($millions) | 2.7262% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 4,418 |
| Loan loss allowance to noncurrent loans | 101.9241% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 2,196 |
| Noncurrent loans to loans | 0.8637% | 1,997 |
| Net loans and leases to total assets | 76.4669% | 1,565 |
| Net loans and leases to deposits | 99.2301% | 860 |
| Net loans and leases to core deposits | 119.4310% | 576 |
| Total domestic deposits to total assets | 77.0602% | 4,727 |
| Equity capital to assets | 9.3604% | 4,227 |
| Core capital (leverage) ratio | 9.7048% | 3,878 |
| Tier 1 risk-based capital ratio | 12.8848% | 3,956 |
| Total risk-based capital ratio | 13.7870% | 4,058 |
| Memoranda: | ||
| Average total assets | $285,576,670 | 2,253 |
| Average earning assets | $244,395,000 | 2,401 |
| Average equity | $26,292,000 | 2,572 |
| Average total loans | $219,083,000 | 2,042 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 1,185 |
| Cost of funding earning assets | 0.9430% | 485 |
| Net interest margin | 3.8092% | 2,390 |
| Noninterest income to average assets | 0.9737% | 970 |
| Noninterest expense to average assets | 3.9671% | 553 |
| Loan and lease loss provision to assets | 0.0486% | 2,808 |
| Net operating income to assets | 0.2181% | 5,220 |
| Return on assets (ROA) | 0.2264% | 5,214 |
| Pretax return on assets | 0.2264% | 5,241 |
| Return on Equity (ROE) | 2.4795% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.4795% | 4,175 |
| Net charge-offs to loans | 0.7862% | 183 |
| Credit loss provision to net charge-offs | 8.0831% | 2,176 |
| Earnings coverage of net charge-offs (x) | 0.4434% | 2,639 |
| Efficiency ratio | 93.7008% | 308 |
| Assets per employee ($millions) | 2.8423% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 4,200 |
| Loan loss allowance to noncurrent loans | 111.0224% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 2,162 |
| Noncurrent loans to loans | 0.8592% | 2,104 |
| Net loans and leases to total assets | 76.1670% | 1,509 |
| Net loans and leases to deposits | 95.5996% | 1,076 |
| Net loans and leases to core deposits | 121.3474% | 546 |
| Total domestic deposits to total assets | 79.6729% | 4,463 |
| Equity capital to assets | 9.2358% | 4,331 |
| Core capital (leverage) ratio | 9.5530% | 4,011 |
| Tier 1 risk-based capital ratio | 12.7722% | 4,076 |
| Total risk-based capital ratio | 13.7502% | 4,144 |
| Memoranda: | ||
| Average total assets | $287,965,000 | 2,259 |
| Average earning assets | $246,457,000 | 2,407 |
| Average equity | $26,296,000 | 2,593 |
| Average total loans | $220,311,500 | 2,037 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 1,055 |
| Cost of funding earning assets | 0.9564% | 277 |
| Net interest margin | 3.8046% | 2,414 |
| Noninterest income to average assets | 0.8464% | 1,420 |
| Noninterest expense to average assets | 3.5993% | 896 |
| Loan and lease loss provision to assets | 0.1465% | 1,556 |
| Net operating income to assets | 0.3328% | 4,867 |
| Return on assets (ROA) | 0.3353% | 4,885 |
| Pretax return on assets | 0.3353% | 5,176 |
| Return on Equity (ROE) | 3.7280% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.7280% | 2,993 |
| Net charge-offs to loans | 0.5051% | 466 |
| Credit loss provision to net charge-offs | 38.6029% | 3,451 |
| Earnings coverage of net charge-offs (x) | 1.2629% | 3,909 |
| Efficiency ratio | 88.2388% | 521 |
| Assets per employee ($millions) | 2.8598% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 3,251 |
| Loan loss allowance to noncurrent loans | 59.5444% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.4769% | 934 |
| Noncurrent loans to loans | 1.8780% | 840 |
| Net loans and leases to total assets | 75.2710% | 1,711 |
| Net loans and leases to deposits | 96.2624% | 1,068 |
| Net loans and leases to core deposits | 121.5700% | 533 |
| Total domestic deposits to total assets | 78.1935% | 4,687 |
| Equity capital to assets | 9.0302% | 4,688 |
| Core capital (leverage) ratio | 9.2786% | 4,316 |
| Tier 1 risk-based capital ratio | 12.4216% | 4,250 |
| Total risk-based capital ratio | 13.5696% | 4,226 |
| Memoranda: | ||
| Average total assets | $286,638,400 | 2,248 |
| Average earning assets | $243,524,200 | 2,394 |
| Average equity | $25,778,000 | 2,621 |
| Average total loans | $215,388,000 | 2,031 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,063 |
| Cost of funding earning assets | 0.9562% | 244 |
| Net interest margin | 3.7781% | 2,476 |
| Noninterest income to average assets | 0.8256% | 1,494 |
| Noninterest expense to average assets | 3.5560% | 911 |
| Loan and lease loss provision to assets | 0.1472% | 1,422 |
| Net operating income to assets | 0.2683% | 5,273 |
| Return on assets (ROA) | 0.2710% | 5,284 |
| Pretax return on assets | 0.3303% | 5,280 |
| Return on Equity (ROE) | 3.0164% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.0164% | 4,113 |
| Net charge-offs to loans | 0.5371% | 376 |
| Credit loss provision to net charge-offs | 36.5854% | 3,027 |
| Earnings coverage of net charge-offs (x) | 1.1789% | 3,593 |
| Efficiency ratio | 88.2217% | 498 |
| Assets per employee ($millions) | 3.0629% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 3,028 |
| Loan loss allowance to noncurrent loans | 69.9705% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3117% | 1,221 |
| Noncurrent loans to loans | 1.6909% | 1,069 |
| Net loans and leases to total assets | 73.2300% | 2,055 |
| Net loans and leases to deposits | 94.1434% | 1,290 |
| Net loans and leases to core deposits | 115.6506% | 758 |
| Total domestic deposits to total assets | 77.7856% | 4,763 |
| Equity capital to assets | 8.8100% | 5,073 |
| Core capital (leverage) ratio | 9.0706% | 4,664 |
| Tier 1 risk-based capital ratio | 12.2233% | 4,482 |
| Total risk-based capital ratio | 13.4248% | 4,410 |
| Memoranda: | ||
| Average total assets | $285,373,500 | 2,271 |
| Average earning assets | $242,057,500 | 2,426 |
| Average equity | $25,637,250 | 2,655 |
| Average total loans | $213,723,250 | 2,057 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 943 |
| Cost of funding earning assets | 0.9515% | 222 |
| Net interest margin | 3.8109% | 2,250 |
| Noninterest income to average assets | 0.8299% | 1,470 |
| Noninterest expense to average assets | 3.6118% | 858 |
| Loan and lease loss provision to assets | 0.1492% | 1,360 |
| Net operating income to assets | 0.2481% | 5,329 |
| Return on assets (ROA) | 0.2487% | 5,341 |
| Pretax return on assets | 0.2999% | 5,337 |
| Return on Equity (ROE) | 2.7496% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.7496% | 4,062 |
| Net charge-offs to loans | 0.5672% | 343 |
| Credit loss provision to net charge-offs | 35.0000% | 2,685 |
| Earnings coverage of net charge-offs (x) | 1.0517% | 3,323 |
| Efficiency ratio | 88.9569% | 505 |
| Assets per employee ($millions) | 2.9445% | 5,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 2,514 |
| Loan loss allowance to noncurrent loans | 83.3132% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1848% | 1,438 |
| Noncurrent loans to loans | 1.5358% | 1,217 |
| Net loans and leases to total assets | 74.5843% | 1,766 |
| Net loans and leases to deposits | 102.6567% | 566 |
| Net loans and leases to core deposits | 112.7547% | 862 |
| Total domestic deposits to total assets | 72.6541% | 5,414 |
| Equity capital to assets | 9.0534% | 4,852 |
| Core capital (leverage) ratio | 9.2421% | 4,444 |
| Tier 1 risk-based capital ratio | 12.3859% | 4,362 |
| Total risk-based capital ratio | 13.6364% | 4,250 |
| Memoranda: | ||
| Average total assets | $281,463,000 | 2,301 |
| Average earning assets | $238,577,000 | 2,463 |
| Average equity | $25,458,000 | 2,672 |
| Average total loans | $211,572,670 | 2,075 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 872 |
| Cost of funding earning assets | 0.9609% | 200 |
| Net interest margin | 3.7743% | 2,204 |
| Noninterest income to average assets | 0.8447% | 1,415 |
| Noninterest expense to average assets | 3.7010% | 780 |
| Loan and lease loss provision to assets | 0.1503% | 1,229 |
| Net operating income to assets | 0.1589% | 5,451 |
| Return on assets (ROA) | 0.1589% | 5,461 |
| Pretax return on assets | 0.1876% | 5,448 |
| Return on Equity (ROE) | 1.7579% | 5,375 |
| Retained earnings to average equity (ytd only) | 1.7579% | 4,410 |
| Net charge-offs to loans | 0.7581% | 226 |
| Credit loss provision to net charge-offs | 26.4484% | 2,135 |
| Earnings coverage of net charge-offs (x) | 0.5945% | 2,807 |
| Efficiency ratio | 91.6342% | 470 |
| Assets per employee ($millions) | 2.9728% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 2,291 |
| Loan loss allowance to noncurrent loans | 84.7111% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.2071% | 1,456 |
| Noncurrent loans to loans | 1.5978% | 1,214 |
| Net loans and leases to total assets | 73.0099% | 1,913 |
| Net loans and leases to deposits | 101.2700% | 534 |
| Net loans and leases to core deposits | 109.8764% | 885 |
| Total domestic deposits to total assets | 72.0943% | 5,538 |
| Equity capital to assets | 8.9015% | 4,908 |
| Core capital (leverage) ratio | 9.3157% | 4,323 |
| Tier 1 risk-based capital ratio | 12.4225% | 4,431 |
| Total risk-based capital ratio | 13.6736% | 4,331 |
| Memoranda: | ||
| Average total assets | $279,387,000 | 2,332 |
| Average earning assets | $236,441,000 | 2,495 |
| Average equity | $25,258,000 | 2,695 |
| Average total loans | $209,466,500 | 2,104 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 1,199 |
| Cost of funding earning assets | 0.9791% | 194 |
| Net interest margin | 3.6559% | 2,870 |
| Noninterest income to average assets | 0.8110% | 1,714 |
| Noninterest expense to average assets | 3.7902% | 782 |
| Loan and lease loss provision to assets | 0.8318% | 138 |
| Net operating income to assets | -0.5234% | 5,789 |
| Return on assets (ROA) | -0.4876% | 5,792 |
| Pretax return on assets | -0.6378% | 5,797 |
| Return on Equity (ROE) | -5.4377% | 5,796 |
| Retained earnings to average equity (ytd only) | -5.4377% | 5,692 |
| Net charge-offs to loans | 0.6809% | 321 |
| Credit loss provision to net charge-offs | 168.1191% | 1,643 |
| Earnings coverage of net charge-offs (x) | 0.2970% | 4,116 |
| Efficiency ratio | 96.2672% | 299 |
| Assets per employee ($millions) | 2.7896% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,611 |
| Loan loss allowance to noncurrent loans | 75.4853% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.5901% | 1,011 |
| Noncurrent loans to loans | 2.0090% | 895 |
| Net loans and leases to total assets | 74.8255% | 1,719 |
| Net loans and leases to deposits | 100.9420% | 606 |
| Net loans and leases to core deposits | 109.5309% | 929 |
| Total domestic deposits to total assets | 74.1272% | 5,432 |
| Equity capital to assets | 9.0755% | 4,737 |
| Core capital (leverage) ratio | 9.3298% | 4,319 |
| Tier 1 risk-based capital ratio | 12.2066% | 4,572 |
| Total risk-based capital ratio | 13.4595% | 4,448 |
| Memoranda: | ||
| Average total assets | $278,300,200 | 2,297 |
| Average earning assets | $237,972,200 | 2,453 |
| Average equity | $24,955,200 | 2,728 |
| Average total loans | $202,243,600 | 2,104 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,298 |
| Cost of funding earning assets | 0.9771% | 189 |
| Net interest margin | 3.6187% | 3,010 |
| Noninterest income to average assets | 0.8085% | 1,726 |
| Noninterest expense to average assets | 3.7128% | 834 |
| Loan and lease loss provision to assets | 0.2242% | 910 |
| Net operating income to assets | -0.0248% | 5,730 |
| Return on assets (ROA) | 0.0510% | 5,709 |
| Pretax return on assets | 0.0510% | 5,711 |
| Return on Equity (ROE) | 0.5708% | 5,691 |
| Retained earnings to average equity (ytd only) | 0.5708% | 5,211 |
| Net charge-offs to loans | 0.7089% | 264 |
| Credit loss provision to net charge-offs | 44.0075% | 3,112 |
| Earnings coverage of net charge-offs (x) | 0.3914% | 3,793 |
| Efficiency ratio | 94.9037% | 352 |
| Assets per employee ($millions) | 2.9566% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 5,174 |
| Loan loss allowance to noncurrent loans | 39.8765% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.6404% | 1,056 |
| Noncurrent loans to loans | 2.0206% | 965 |
| Net loans and leases to total assets | 71.5395% | 2,256 |
| Net loans and leases to deposits | 97.0953% | 944 |
| Net loans and leases to core deposits | 105.1384% | 1,268 |
| Total domestic deposits to total assets | 73.6797% | 5,463 |
| Equity capital to assets | 9.1648% | 5,012 |
| Core capital (leverage) ratio | 9.9105% | 3,679 |
| Tier 1 risk-based capital ratio | 13.3231% | 3,968 |
| Total risk-based capital ratio | 14.1042% | 4,158 |
| Memoranda: | ||
| Average total assets | $279,529,250 | 2,293 |
| Average earning assets | $239,747,500 | 2,441 |
| Average equity | $24,991,250 | 2,736 |
| Average total loans | $200,876,750 | 2,121 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,207 |
| Cost of funding earning assets | 0.9749% | 193 |
| Net interest margin | 3.6539% | 2,878 |
| Noninterest income to average assets | 0.8084% | 1,677 |
| Noninterest expense to average assets | 3.7034% | 878 |
| Loan and lease loss provision to assets | 0.2285% | 895 |
| Net operating income to assets | 0.0098% | 5,760 |
| Return on assets (ROA) | 0.0736% | 5,735 |
| Pretax return on assets | 0.0793% | 5,742 |
| Return on Equity (ROE) | 0.8296% | 5,707 |
| Retained earnings to average equity (ytd only) | 0.8296% | 5,049 |
| Net charge-offs to loans | 0.8238% | 240 |
| Credit loss provision to net charge-offs | 38.6473% | 2,782 |
| Earnings coverage of net charge-offs (x) | 0.4046% | 3,522 |
| Efficiency ratio | 93.9323% | 421 |
| Assets per employee ($millions) | 3.0753% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 5,109 |
| Loan loss allowance to noncurrent loans | 49.6361% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.4247% | 1,368 |
| Noncurrent loans to loans | 1.7262% | 1,224 |
| Net loans and leases to total assets | 70.4979% | 2,403 |
| Net loans and leases to deposits | 96.6199% | 1,015 |
| Net loans and leases to core deposits | 104.3757% | 1,283 |
| Total domestic deposits to total assets | 72.9642% | 5,604 |
| Equity capital to assets | 9.0504% | 5,203 |
| Core capital (leverage) ratio | 9.8344% | 3,771 |
| Tier 1 risk-based capital ratio | 13.1716% | 4,093 |
| Total risk-based capital ratio | 13.9892% | 4,259 |
| Memoranda: | ||
| Average total assets | $280,065,000 | 2,301 |
| Average earning assets | $240,233,670 | 2,450 |
| Average equity | $24,831,330 | 2,760 |
| Average total loans | $201,022,670 | 2,120 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 910 |
| Cost of funding earning assets | 0.9636% | 205 |
| Net interest margin | 3.8043% | 2,270 |
| Noninterest income to average assets | 0.7909% | 1,657 |
| Noninterest expense to average assets | 3.7634% | 825 |
| Loan and lease loss provision to assets | 0.2142% | 903 |
| Net operating income to assets | 0.0732% | 5,718 |
| Return on assets (ROA) | 0.0814% | 5,751 |
| Pretax return on assets | 0.0857% | 5,752 |
| Return on Equity (ROE) | 0.9275% | 5,703 |
| Retained earnings to average equity (ytd only) | 0.9275% | 4,864 |
| Net charge-offs to loans | 0.9424% | 202 |
| Credit loss provision to net charge-offs | 31.5126% | 2,211 |
| Earnings coverage of net charge-offs (x) | 0.4286% | 2,930 |
| Efficiency ratio | 92.8169% | 507 |
| Assets per employee ($millions) | 2.9426% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 4,880 |
| Loan loss allowance to noncurrent loans | 60.3261% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.2438% | 1,752 |
| Noncurrent loans to loans | 1.5646% | 1,486 |
| Net loans and leases to total assets | 70.8395% | 2,216 |
| Net loans and leases to deposits | 98.4617% | 722 |
| Net loans and leases to core deposits | 105.8208% | 1,087 |
| Total domestic deposits to total assets | 71.9462% | 5,772 |
| Equity capital to assets | 8.8532% | 5,295 |
| Core capital (leverage) ratio | 9.6950% | 3,918 |
| Tier 1 risk-based capital ratio | 12.8937% | 4,327 |
| Total risk-based capital ratio | 13.7942% | 4,461 |
| Memoranda: | ||
| Average total assets | $280,170,000 | 2,314 |
| Average earning assets | $240,359,500 | 2,463 |
| Average equity | $24,583,000 | 2,782 |
| Average total loans | $202,035,500 | 2,121 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9436% | 700 |
| Cost of funding earning assets | 1.0072% | 173 |
| Net interest margin | 3.9363% | 1,909 |
| Noninterest income to average assets | 0.8091% | 1,753 |
| Noninterest expense to average assets | 3.5244% | 1,251 |
| Loan and lease loss provision to assets | 0.3385% | 457 |
| Net operating income to assets | 0.2317% | 5,512 |
| Return on assets (ROA) | 0.4240% | 5,055 |
| Pretax return on assets | 0.5950% | 4,853 |
| Return on Equity (ROE) | 4.6531% | 4,680 |
| Retained earnings to average equity (ytd only) | -0.4301% | 5,578 |
| Net charge-offs to loans | 0.6136% | 394 |
| Credit loss provision to net charge-offs | 76.3666% | 3,017 |
| Earnings coverage of net charge-offs (x) | 1.4952% | 4,073 |
| Efficiency ratio | 84.1729% | 1,166 |
| Assets per employee ($millions) | 2.9557% | 5,564 |
| Cash dividends to net income (ytd only)* | 109.2437% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 4,122 |
| Loan loss allowance to noncurrent loans | 59.5533% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 1,344 |
| Noncurrent loans to loans | 1.8202% | 1,196 |
| Net loans and leases to total assets | 71.9183% | 2,069 |
| Net loans and leases to deposits | 99.5475% | 707 |
| Net loans and leases to core deposits | 105.9196% | 1,102 |
| Total domestic deposits to total assets | 72.2452% | 5,788 |
| Equity capital to assets | 8.6958% | 5,389 |
| Core capital (leverage) ratio | 9.3993% | 4,323 |
| Tier 1 risk-based capital ratio | 12.4340% | 4,678 |
| Total risk-based capital ratio | 13.4663% | 4,718 |
| Memoranda: | ||
| Average total assets | $280,675,800 | 2,266 |
| Average earning assets | $240,858,600 | 2,417 |
| Average equity | $25,574,400 | 2,647 |
| Average total loans | $202,738,000 | 2,051 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 818 |
| Cost of funding earning assets | 1.0134% | 168 |
| Net interest margin | 3.8570% | 2,165 |
| Noninterest income to average assets | 0.8124% | 1,763 |
| Noninterest expense to average assets | 3.5104% | 1,266 |
| Loan and lease loss provision to assets | 0.1188% | 1,916 |
| Net operating income to assets | 0.3522% | 5,307 |
| Return on assets (ROA) | 0.5829% | 4,558 |
| Pretax return on assets | 0.8171% | 4,285 |
| Return on Equity (ROE) | 6.3253% | 3,995 |
| Retained earnings to average equity (ytd only) | -0.3763% | 5,672 |
| Net charge-offs to loans | 0.4842% | 504 |
| Credit loss provision to net charge-offs | 34.0136% | 3,233 |
| Earnings coverage of net charge-offs (x) | 1.7496% | 3,786 |
| Efficiency ratio | 85.1758% | 1,069 |
| Assets per employee ($millions) | 3.1039% | 5,424 |
| Cash dividends to net income (ytd only)* | 105.9494% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 4,770 |
| Loan loss allowance to noncurrent loans | 46.9142% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6935% | 1,277 |
| Noncurrent loans to loans | 2.1231% | 1,060 |
| Net loans and leases to total assets | 70.3799% | 2,338 |
| Net loans and leases to deposits | 98.1717% | 803 |
| Net loans and leases to core deposits | 105.2571% | 1,152 |
| Total domestic deposits to total assets | 71.6907% | 5,884 |
| Equity capital to assets | 8.8065% | 5,483 |
| Core capital (leverage) ratio | 9.3189% | 4,561 |
| Tier 1 risk-based capital ratio | 9.2486% | 6,174 |
| Total risk-based capital ratio | 9.9636% | 6,202 |
| Memoranda: | ||
| Average total assets | $280,647,000 | 2,278 |
| Average earning assets | $240,766,500 | 2,431 |
| Average equity | $25,863,750 | 2,651 |
| Average total loans | $202,384,250 | 2,067 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 692 |
| Cost of funding earning assets | 1.0215% | 162 |
| Net interest margin | 3.9030% | 1,966 |
| Noninterest income to average assets | 0.8494% | 1,604 |
| Noninterest expense to average assets | 3.5440% | 1,230 |
| Loan and lease loss provision to assets | 0.1075% | 2,036 |
| Net operating income to assets | 0.3886% | 5,167 |
| Return on assets (ROA) | 0.7312% | 3,843 |
| Pretax return on assets | 1.0272% | 3,468 |
| Return on Equity (ROE) | 7.8154% | 3,153 |
| Retained earnings to average equity (ytd only) | -2.1454% | 5,842 |
| Net charge-offs to loans | 0.4669% | 543 |
| Credit loss provision to net charge-offs | 31.7797% | 2,909 |
| Earnings coverage of net charge-offs (x) | 1.9280% | 3,431 |
| Efficiency ratio | 84.4551% | 1,212 |
| Assets per employee ($millions) | 2.9359% | 5,670 |
| Cash dividends to net income (ytd only)* | 127.4510% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 4,335 |
| Loan loss allowance to noncurrent loans | 57.9883% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 1,669 |
| Noncurrent loans to loans | 1.8940% | 1,315 |
| Net loans and leases to total assets | 70.5448% | 2,237 |
| Net loans and leases to deposits | 96.2509% | 943 |
| Net loans and leases to core deposits | 103.1583% | 1,253 |
| Total domestic deposits to total assets | 73.2927% | 5,844 |
| Equity capital to assets | 9.0749% | 5,167 |
| Core capital (leverage) ratio | 9.5383% | 4,231 |
| Tier 1 risk-based capital ratio | 9.8158% | 6,141 |
| Total risk-based capital ratio | 10.6216% | 6,200 |
| Memoranda: | ||
| Average total assets | $279,008,330 | 2,311 |
| Average earning assets | $239,252,000 | 2,464 |
| Average equity | $26,102,330 | 2,649 |
| Average total loans | $202,178,670 | 2,068 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9643% | 606 |
| Cost of funding earning assets | 1.0239% | 159 |
| Net interest margin | 3.9404% | 1,742 |
| Noninterest income to average assets | 0.9288% | 1,306 |
| Noninterest expense to average assets | 3.6380% | 1,082 |
| Loan and lease loss provision to assets | 0.1075% | 1,912 |
| Net operating income to assets | 0.4106% | 5,032 |
| Return on assets (ROA) | 1.1052% | 1,959 |
| Pretax return on assets | 1.5294% | 1,463 |
| Return on Equity (ROE) | 11.6386% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.6386% | 622 |
| Net charge-offs to loans | 0.2728% | 879 |
| Credit loss provision to net charge-offs | 53.9568% | 2,065 |
| Earnings coverage of net charge-offs (x) | 3.3741% | 2,613 |
| Efficiency ratio | 84.4031% | 1,325 |
| Assets per employee ($millions) | 2.9443% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 3,873 |
| Loan loss allowance to noncurrent loans | 69.1089% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 1,943 |
| Noncurrent loans to loans | 1.7593% | 1,549 |
| Net loans and leases to total assets | 70.9618% | 1,984 |
| Net loans and leases to deposits | 96.8598% | 779 |
| Net loans and leases to core deposits | 103.7455% | 1,079 |
| Total domestic deposits to total assets | 73.2624% | 5,956 |
| Equity capital to assets | 9.6046% | 4,633 |
| Core capital (leverage) ratio | 10.1883% | 3,357 |
| Tier 1 risk-based capital ratio | 11.3156% | 5,652 |
| Total risk-based capital ratio | 12.3047% | 5,704 |
| Memoranda: | ||
| Average total assets | $279,056,500 | 2,320 |
| Average earning assets | $239,470,500 | 2,475 |
| Average equity | $26,498,000 | 2,628 |
| Average total loans | $203,796,500 | 2,061 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 706 |
| Cost of funding earning assets | 0.9661% | 268 |
| Net interest margin | 4.0836% | 1,635 |
| Noninterest income to average assets | 0.8560% | 1,658 |
| Noninterest expense to average assets | 3.2834% | 1,968 |
| Loan and lease loss provision to assets | 0.1306% | 2,009 |
| Net operating income to assets | 0.7274% | 3,755 |
| Return on assets (ROA) | 0.7315% | 3,835 |
| Pretax return on assets | 0.9674% | 3,623 |
| Return on Equity (ROE) | 7.6377% | 3,305 |
| Retained earnings to average equity (ytd only) | 2.7126% | 4,317 |
| Net charge-offs to loans | 0.0857% | 3,269 |
| Credit loss provision to net charge-offs | 205.7143% | 1,201 |
| Earnings coverage of net charge-offs (x) | 17.2057% | 1,949 |
| Efficiency ratio | 75.0083% | 2,665 |
| Assets per employee ($millions) | 2.8408% | 5,894 |
| Cash dividends to net income (ytd only)* | 64.4841% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 3,918 |
| Loan loss allowance to noncurrent loans | 72.1024% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 2,130 |
| Noncurrent loans to loans | 1.6825% | 1,738 |
| Net loans and leases to total assets | 73.3310% | 1,703 |
| Net loans and leases to deposits | 101.5055% | 538 |
| Net loans and leases to core deposits | 108.8345% | 836 |
| Total domestic deposits to total assets | 72.2434% | 6,066 |
| Equity capital to assets | 9.3861% | 4,862 |
| Core capital (leverage) ratio | 9.8384% | 3,789 |
| Tier 1 risk-based capital ratio | 11.7545% | 5,512 |
| Total risk-based capital ratio | 12.8317% | 5,530 |
| Memoranda: | ||
| Average total assets | $275,597,200 | 2,316 |
| Average earning assets | $237,558,000 | 2,444 |
| Average equity | $26,395,400 | 2,537 |
| Average total loans | $204,102,400 | 2,004 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0503% | 707 |
| Cost of funding earning assets | 0.9535% | 302 |
| Net interest margin | 4.0968% | 1,585 |
| Noninterest income to average assets | 0.8493% | 1,700 |
| Noninterest expense to average assets | 3.2094% | 2,144 |
| Loan and lease loss provision to assets | 0.1382% | 1,807 |
| Net operating income to assets | 0.7764% | 3,528 |
| Return on assets (ROA) | 0.7819% | 3,614 |
| Pretax return on assets | 1.0433% | 3,413 |
| Return on Equity (ROE) | 8.1223% | 3,143 |
| Retained earnings to average equity (ytd only) | 1.5721% | 5,260 |
| Net charge-offs to loans | 0.0478% | 3,541 |
| Credit loss provision to net charge-offs | 390.4110% | 721 |
| Earnings coverage of net charge-offs (x) | 33.1647% | 1,285 |
| Efficiency ratio | 73.1799% | 2,961 |
| Assets per employee ($millions) | 2.8630% | 5,898 |
| Cash dividends to net income (ytd only)* | 80.6451% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 4,078 |
| Loan loss allowance to noncurrent loans | 80.2407% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.2049% | 2,540 |
| Noncurrent loans to loans | 1.5313% | 2,116 |
| Net loans and leases to total assets | 73.3492% | 1,619 |
| Net loans and leases to deposits | 100.5454% | 585 |
| Net loans and leases to core deposits | 107.4216% | 877 |
| Total domestic deposits to total assets | 72.9513% | 6,098 |
| Equity capital to assets | 9.6018% | 4,667 |
| Core capital (leverage) ratio | 9.7130% | 4,057 |
| Tier 1 risk-based capital ratio | 11.6201% | 5,726 |
| Total risk-based capital ratio | 12.7137% | 5,740 |
| Memoranda: | ||
| Average total assets | $274,896,000 | 2,335 |
| Average earning assets | $237,156,000 | 2,469 |
| Average equity | $26,461,500 | 2,533 |
| Average total loans | $203,462,500 | 2,026 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 726 |
| Cost of funding earning assets | 0.9512% | 314 |
| Net interest margin | 4.0693% | 1,608 |
| Noninterest income to average assets | 0.8505% | 1,660 |
| Noninterest expense to average assets | 3.1881% | 2,233 |
| Loan and lease loss provision to assets | 0.1533% | 1,609 |
| Net operating income to assets | 0.7479% | 3,578 |
| Return on assets (ROA) | 0.7687% | 3,572 |
| Pretax return on assets | 1.0513% | 3,276 |
| Return on Equity (ROE) | 7.9792% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.9792% | 1,337 |
| Net charge-offs to loans | 0.1827% | 1,931 |
| Credit loss provision to net charge-offs | 113.5135% | 1,779 |
| Earnings coverage of net charge-offs (x) | 8.7081% | 2,456 |
| Efficiency ratio | 73.0177% | 3,159 |
| Assets per employee ($millions) | 2.9759% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 4,595 |
| Loan loss allowance to noncurrent loans | 83.9714% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 3,016 |
| Noncurrent loans to loans | 1.3862% | 2,484 |
| Net loans and leases to total assets | 72.7911% | 1,604 |
| Net loans and leases to deposits | 96.8711% | 748 |
| Net loans and leases to core deposits | 102.9513% | 1,085 |
| Total domestic deposits to total assets | 75.1423% | 6,008 |
| Equity capital to assets | 9.9426% | 4,186 |
| Core capital (leverage) ratio | 10.1235% | 3,439 |
| Tier 1 risk-based capital ratio | 12.2637% | 5,377 |
| Total risk-based capital ratio | 13.3071% | 5,444 |
| Memoranda: | ||
| Average total assets | $273,959,000 | 2,343 |
| Average earning assets | $236,550,330 | 2,474 |
| Average equity | $26,393,670 | 2,537 |
| Average total loans | $202,540,000 | 2,031 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 484 |
| Cost of funding earning assets | 0.9518% | 337 |
| Net interest margin | 4.2476% | 1,106 |
| Noninterest income to average assets | 0.9020% | 1,389 |
| Noninterest expense to average assets | 3.2213% | 2,152 |
| Loan and lease loss provision to assets | 0.1970% | 1,188 |
| Net operating income to assets | 0.8042% | 3,134 |
| Return on assets (ROA) | 0.8042% | 3,213 |
| Pretax return on assets | 1.1575% | 2,666 |
| Return on Equity (ROE) | 8.4834% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.4834% | 1,423 |
| Net charge-offs to loans | 0.0591% | 2,570 |
| Credit loss provision to net charge-offs | 450.0000% | 595 |
| Earnings coverage of net charge-offs (x) | 30.9333% | 1,030 |
| Efficiency ratio | 70.3668% | 3,767 |
| Assets per employee ($millions) | 3.1209% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 4,633 |
| Loan loss allowance to noncurrent loans | 81.7661% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1291% | 2,993 |
| Noncurrent loans to loans | 1.4681% | 2,588 |
| Net loans and leases to total assets | 72.7013% | 1,465 |
| Net loans and leases to deposits | 96.9733% | 599 |
| Net loans and leases to core deposits | 102.7950% | 938 |
| Total domestic deposits to total assets | 74.9704% | 6,159 |
| Equity capital to assets | 9.6417% | 4,306 |
| Core capital (leverage) ratio | 9.8739% | 3,752 |
| Tier 1 risk-based capital ratio | 12.0060% | 5,642 |
| Total risk-based capital ratio | 13.0773% | 5,681 |
| Memoranda: | ||
| Average total assets | $274,047,500 | 2,347 |
| Average earning assets | $237,027,500 | 2,476 |
| Average equity | $25,980,000 | 2,552 |
| Average total loans | $202,992,000 | 2,026 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0649% | 810 |
| Cost of funding earning assets | 0.9633% | 544 |
| Net interest margin | 4.1016% | 1,632 |
| Noninterest income to average assets | 0.8903% | 1,714 |
| Noninterest expense to average assets | 3.2329% | 2,327 |
| Loan and lease loss provision to assets | 0.2236% | 1,629 |
| Net operating income to assets | 0.6943% | 3,817 |
| Return on assets (ROA) | 0.6943% | 3,913 |
| Pretax return on assets | 1.0532% | 3,143 |
| Return on Equity (ROE) | 7.4380% | 3,335 |
| Retained earnings to average equity (ytd only) | -0.9462% | 6,052 |
| Net charge-offs to loans | 0.0720% | 4,198 |
| Credit loss provision to net charge-offs | 416.6667% | 551 |
| Earnings coverage of net charge-offs (x) | 23.7917% | 1,397 |
| Efficiency ratio | 71.6552% | 3,544 |
| Assets per employee ($millions) | 3.0725% | 5,723 |
| Cash dividends to net income (ytd only)* | 112.7214% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1388% | 4,957 |
| Loan loss allowance to noncurrent loans | 62.3188% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 1.4660% | 2,543 |
| Noncurrent loans to loans | 1.8274% | 2,200 |
| Net loans and leases to total assets | 73.7120% | 1,399 |
| Net loans and leases to deposits | 99.6840% | 494 |
| Net loans and leases to core deposits | 104.2352% | 890 |
| Total domestic deposits to total assets | 73.9457% | 6,288 |
| Equity capital to assets | 9.3178% | 4,671 |
| Core capital (leverage) ratio | 9.7101% | 3,970 |
| Tier 1 risk-based capital ratio | 11.7911% | 5,751 |
| Total risk-based capital ratio | 12.8194% | 5,810 |
| Memoranda: | ||
| Average total assets | $268,334,600 | 2,362 |
| Average earning assets | $236,786,000 | 2,450 |
| Average equity | $25,047,000 | 2,624 |
| Average total loans | $200,100,000 | 1,998 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 848 |
| Cost of funding earning assets | 0.9853% | 531 |
| Net interest margin | 4.0657% | 1,740 |
| Noninterest income to average assets | 0.8712% | 1,854 |
| Noninterest expense to average assets | 3.1973% | 2,374 |
| Loan and lease loss provision to assets | 0.2247% | 1,613 |
| Net operating income to assets | 0.6925% | 3,899 |
| Return on assets (ROA) | 0.6925% | 4,034 |
| Pretax return on assets | 1.0504% | 3,298 |
| Return on Equity (ROE) | 7.4153% | 3,426 |
| Retained earnings to average equity (ytd only) | 1.5344% | 5,367 |
| Net charge-offs to loans | 0.0716% | 3,909 |
| Credit loss provision to net charge-offs | 420.5607% | 634 |
| Earnings coverage of net charge-offs (x) | 23.8697% | 1,451 |
| Efficiency ratio | 71.4557% | 3,521 |
| Assets per employee ($millions) | 3.2305% | 5,429 |
| Cash dividends to net income (ytd only)* | 79.3077% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 5,367 |
| Loan loss allowance to noncurrent loans | 66.0981% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.2923% | 3,066 |
| Noncurrent loans to loans | 1.6484% | 2,709 |
| Net loans and leases to total assets | 74.7878% | 1,161 |
| Net loans and leases to deposits | 100.7364% | 445 |
| Net loans and leases to core deposits | 104.9137% | 827 |
| Total domestic deposits to total assets | 74.2410% | 6,355 |
| Equity capital to assets | 9.2462% | 4,871 |
| Core capital (leverage) ratio | 10.0357% | 3,631 |
| Tier 1 risk-based capital ratio | 12.3355% | 5,551 |
| Total risk-based capital ratio | 13.3416% | 5,659 |
| Memoranda: | ||
| Average total assets | $267,054,250 | 2,387 |
| Average earning assets | $236,543,250 | 2,468 |
| Average equity | $24,938,750 | 2,655 |
| Average total loans | $199,152,000 | 2,007 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0611% | 830 |
| Cost of funding earning assets | 0.9921% | 563 |
| Net interest margin | 4.0690% | 1,635 |
| Noninterest income to average assets | 0.9112% | 1,783 |
| Noninterest expense to average assets | 3.1774% | 2,414 |
| Loan and lease loss provision to assets | 0.2250% | 1,681 |
| Net operating income to assets | 0.7327% | 3,655 |
| Return on assets (ROA) | 0.7327% | 3,816 |
| Pretax return on assets | 1.1166% | 3,029 |
| Return on Equity (ROE) | 7.8199% | 3,179 |
| Retained earnings to average equity (ytd only) | -0.9845% | 6,050 |
| Net charge-offs to loans | 0.0778% | 3,602 |
| Credit loss provision to net charge-offs | 389.6104% | 673 |
| Earnings coverage of net charge-offs (x) | 23.2338% | 1,337 |
| Efficiency ratio | 70.2788% | 3,776 |
| Assets per employee ($millions) | 2.8979% | 6,027 |
| Cash dividends to net income (ytd only)* | 112.5896% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 5,625 |
| Loan loss allowance to noncurrent loans | 61.0105% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 3,143 |
| Noncurrent loans to loans | 1.7219% | 2,732 |
| Net loans and leases to total assets | 73.8030% | 1,283 |
| Net loans and leases to deposits | 97.5185% | 571 |
| Net loans and leases to core deposits | 101.4138% | 982 |
| Total domestic deposits to total assets | 75.6811% | 6,283 |
| Equity capital to assets | 9.1175% | 5,082 |
| Core capital (leverage) ratio | 9.9331% | 3,611 |
| Tier 1 risk-based capital ratio | 12.4492% | 5,536 |
| Total risk-based capital ratio | 13.4247% | 5,641 |
| Memoranda: | ||
| Average total assets | $266,695,000 | 2,400 |
| Average earning assets | $236,469,000 | 2,480 |
| Average equity | $24,987,670 | 2,665 |
| Average total loans | $197,956,330 | 2,024 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 723 |
| Cost of funding earning assets | 0.9923% | 639 |
| Net interest margin | 4.1227% | 1,396 |
| Noninterest income to average assets | 0.8968% | 1,767 |
| Noninterest expense to average assets | 3.2076% | 2,328 |
| Loan and lease loss provision to assets | 0.2249% | 1,634 |
| Net operating income to assets | 0.7468% | 3,452 |
| Return on assets (ROA) | 0.7468% | 3,587 |
| Pretax return on assets | 1.1277% | 2,854 |
| Return on Equity (ROE) | 7.8650% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.8650% | 1,797 |
| Net charge-offs to loans | 0.0932% | 2,916 |
| Credit loss provision to net charge-offs | 326.0870% | 744 |
| Earnings coverage of net charge-offs (x) | 19.6087% | 1,214 |
| Efficiency ratio | 70.3058% | 3,920 |
| Assets per employee ($millions) | 3.1564% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 6,027 |
| Loan loss allowance to noncurrent loans | 61.8330% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 3,560 |
| Noncurrent loans to loans | 1.5975% | 3,143 |
| Net loans and leases to total assets | 73.6033% | 1,133 |
| Net loans and leases to deposits | 97.7613% | 459 |
| Net loans and leases to core deposits | 101.8821% | 834 |
| Total domestic deposits to total assets | 75.2888% | 6,430 |
| Equity capital to assets | 9.5359% | 4,801 |
| Core capital (leverage) ratio | 10.1202% | 3,250 |
| Tier 1 risk-based capital ratio | 12.9477% | 5,264 |
| Total risk-based capital ratio | 13.8835% | 5,441 |
| Memoranda: | ||
| Average total assets | $266,739,000 | 2,424 |
| Average earning assets | $237,027,500 | 2,500 |
| Average equity | $25,327,500 | 2,676 |
| Average total loans | $197,508,000 | 2,045 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,702 |
| Cost of funding earning assets | 1.1315% | 798 |
| Net interest margin | 3.8140% | 3,167 |
| Noninterest income to average assets | 1.0165% | 1,491 |
| Noninterest expense to average assets | 3.2318% | 2,511 |
| Loan and lease loss provision to assets | 0.2334% | 2,800 |
| Net operating income to assets | 0.6889% | 3,788 |
| Return on assets (ROA) | 0.6889% | 4,050 |
| Pretax return on assets | 0.9566% | 3,718 |
| Return on Equity (ROE) | 7.4160% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.4160% | 1,369 |
| Net charge-offs to loans | 0.0105% | 5,786 |
| Credit loss provision to net charge-offs | 3,000.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 152.9500% | 274 |
| Efficiency ratio | 73.0536% | 3,232 |
| Assets per employee ($millions) | 3.1198% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 6,117 |
| Loan loss allowance to noncurrent loans | 54.8662% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 3,354 |
| Noncurrent loans to loans | 1.7390% | 3,005 |
| Net loans and leases to total assets | 73.0462% | 1,328 |
| Net loans and leases to deposits | 97.3725% | 541 |
| Net loans and leases to core deposits | 101.6493% | 909 |
| Total domestic deposits to total assets | 75.0173% | 6,445 |
| Equity capital to assets | 9.4541% | 4,931 |
| Core capital (leverage) ratio | 10.0463% | 3,341 |
| Tier 1 risk-based capital ratio | 13.0651% | 5,060 |
| Total risk-based capital ratio | 13.9743% | 5,249 |
| Memoranda: | ||
| Average total assets | $257,069,400 | 2,467 |
| Average earning assets | $229,521,400 | 2,517 |
| Average equity | $23,880,800 | 2,756 |
| Average total loans | $191,181,000 | 2,085 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 1,793 |
| Cost of funding earning assets | 1.1684% | 802 |
| Net interest margin | 3.7952% | 3,354 |
| Noninterest income to average assets | 1.0142% | 1,465 |
| Noninterest expense to average assets | 3.2172% | 2,507 |
| Loan and lease loss provision to assets | 0.2353% | 2,692 |
| Net operating income to assets | 0.7016% | 3,909 |
| Return on assets (ROA) | 0.7016% | 4,153 |
| Pretax return on assets | 0.9546% | 3,897 |
| Return on Equity (ROE) | 7.5871% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.5871% | 1,804 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9656% | 3,148 |
| Assets per employee ($millions) | 3.2841% | 5,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 6,360 |
| Loan loss allowance to noncurrent loans | 53.6133% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 3,658 |
| Noncurrent loans to loans | 1.6945% | 3,250 |
| Net loans and leases to total assets | 72.0730% | 1,542 |
| Net loans and leases to deposits | 97.0504% | 596 |
| Net loans and leases to core deposits | 101.4003% | 1,029 |
| Total domestic deposits to total assets | 74.2635% | 6,581 |
| Equity capital to assets | 9.3998% | 5,335 |
| Core capital (leverage) ratio | 9.9772% | 3,576 |
| Tier 1 risk-based capital ratio | 13.5888% | 4,830 |
| Total risk-based capital ratio | 14.4856% | 5,036 |
| Memoranda: | ||
| Average total assets | $255,040,000 | 2,505 |
| Average earning assets | $228,004,000 | 2,551 |
| Average equity | $23,583,250 | 2,815 |
| Average total loans | $190,082,500 | 2,116 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 1,911 |
| Cost of funding earning assets | 1.2002% | 823 |
| Net interest margin | 3.7561% | 3,561 |
| Noninterest income to average assets | 1.0147% | 1,422 |
| Noninterest expense to average assets | 3.2233% | 2,515 |
| Loan and lease loss provision to assets | 0.2376% | 2,697 |
| Net operating income to assets | 0.6084% | 4,335 |
| Return on assets (ROA) | 0.6084% | 4,586 |
| Pretax return on assets | 0.9181% | 4,014 |
| Return on Equity (ROE) | 6.6172% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.6172% | 2,322 |
| Net charge-offs to loans | -0.0527% | 6,675 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5709% | 3,146 |
| Assets per employee ($millions) | 3.2322% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 6,549 |
| Loan loss allowance to noncurrent loans | 41.6179% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 1.5612% | 3,365 |
| Noncurrent loans to loans | 2.0670% | 2,866 |
| Net loans and leases to total assets | 72.9157% | 1,405 |
| Net loans and leases to deposits | 95.4958% | 659 |
| Net loans and leases to core deposits | 99.7455% | 1,114 |
| Total domestic deposits to total assets | 76.3549% | 6,412 |
| Equity capital to assets | 9.1879% | 5,475 |
| Core capital (leverage) ratio | 9.8981% | 3,577 |
| Tier 1 risk-based capital ratio | 13.5784% | 4,765 |
| Total risk-based capital ratio | 14.4396% | 5,022 |
| Memoranda: | ||
| Average total assets | $252,477,330 | 2,522 |
| Average earning assets | $226,138,330 | 2,575 |
| Average equity | $23,212,330 | 2,833 |
| Average total loans | $189,746,000 | 2,119 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 1,905 |
| Cost of funding earning assets | 1.2126% | 930 |
| Net interest margin | 3.7822% | 3,475 |
| Noninterest income to average assets | 1.0231% | 1,365 |
| Noninterest expense to average assets | 3.3389% | 2,174 |
| Loan and lease loss provision to assets | 0.2406% | 2,543 |
| Net operating income to assets | 0.5533% | 4,571 |
| Return on assets (ROA) | 0.5533% | 4,786 |
| Pretax return on assets | 0.8451% | 4,246 |
| Return on Equity (ROE) | 6.0158% | 4,283 |
| Retained earnings to average equity (ytd only) | 6.0158% | 2,948 |
| Net charge-offs to loans | -0.0380% | 6,439 |
| Credit loss provision to net charge-offs | -833.3333% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4259% | 2,862 |
| Assets per employee ($millions) | 3.2325% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 6,795 |
| Loan loss allowance to noncurrent loans | 153.3193% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 5,780 |
| Noncurrent loans to loans | 0.5005% | 5,672 |
| Net loans and leases to total assets | 73.6781% | 1,114 |
| Net loans and leases to deposits | 96.2828% | 517 |
| Net loans and leases to core deposits | 100.3766% | 967 |
| Total domestic deposits to total assets | 76.5226% | 6,489 |
| Equity capital to assets | 9.0575% | 5,410 |
| Core capital (leverage) ratio | 9.9442% | 3,435 |
| Tier 1 risk-based capital ratio | 13.7875% | 4,623 |
| Total risk-based capital ratio | 14.5785% | 4,945 |
| Memoranda: | ||
| Average total assets | $249,427,000 | 2,563 |
| Average earning assets | $224,314,500 | 2,609 |
| Average equity | $22,939,500 | 2,859 |
| Average total loans | $189,529,000 | 2,133 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 1,788 |
| Cost of funding earning assets | 1.3889% | 1,088 |
| Net interest margin | 3.8870% | 3,392 |
| Noninterest income to average assets | 0.9303% | 1,569 |
| Noninterest expense to average assets | 3.2368% | 2,740 |
| Loan and lease loss provision to assets | 0.2525% | 3,681 |
| Net operating income to assets | 0.5881% | 4,065 |
| Return on assets (ROA) | 0.5881% | 4,244 |
| Pretax return on assets | 0.9084% | 3,584 |
| Return on Equity (ROE) | 7.0961% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.0961% | 1,455 |
| Net charge-offs to loans | 0.1485% | 4,956 |
| Credit loss provision to net charge-offs | 218.9964% | 1,110 |
| Earnings coverage of net charge-offs (x) | 10.0681% | 1,887 |
| Efficiency ratio | 73.5551% | 3,300 |
| Assets per employee ($millions) | 3.0821% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6788% | 6,935 |
| Loan loss allowance to noncurrent loans | 116.8029% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 5,687 |
| Noncurrent loans to loans | 0.5811% | 5,546 |
| Net loans and leases to total assets | 77.2803% | 796 |
| Net loans and leases to deposits | 98.8044% | 512 |
| Net loans and leases to core deposits | 102.2308% | 1,007 |
| Total domestic deposits to total assets | 78.2155% | 6,153 |
| Equity capital to assets | 9.3431% | 5,099 |
| Core capital (leverage) ratio | 10.1753% | 3,126 |
| Tier 1 risk-based capital ratio | 14.9434% | 3,673 |
| Total risk-based capital ratio | 15.7596% | 3,943 |
| Memoranda: | ||
| Average total assets | $241,964,400 | 2,613 |
| Average earning assets | $215,848,800 | 2,662 |
| Average equity | $20,053,200 | 3,136 |
| Average total loans | $187,827,400 | 2,154 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 1,818 |
| Cost of funding earning assets | 1.4236% | 1,134 |
| Net interest margin | 3.8866% | 3,450 |
| Noninterest income to average assets | 0.8858% | 1,700 |
| Noninterest expense to average assets | 3.2419% | 2,687 |
| Loan and lease loss provision to assets | 0.2296% | 3,718 |
| Net operating income to assets | 0.5607% | 4,269 |
| Return on assets (ROA) | 0.5607% | 4,440 |
| Pretax return on assets | 0.8709% | 3,877 |
| Return on Equity (ROE) | 6.9901% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.9901% | 1,976 |
| Net charge-offs to loans | 0.1373% | 4,685 |
| Credit loss provision to net charge-offs | 215.5440% | 1,333 |
| Earnings coverage of net charge-offs (x) | 10.3315% | 1,939 |
| Efficiency ratio | 74.6187% | 3,062 |
| Assets per employee ($millions) | 3.3935% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6108% | 7,067 |
| Loan loss allowance to noncurrent loans | 107.5938% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 5,922 |
| Noncurrent loans to loans | 0.5677% | 5,735 |
| Net loans and leases to total assets | 78.3234% | 682 |
| Net loans and leases to deposits | 100.1801% | 467 |
| Net loans and leases to core deposits | 103.3321% | 1,015 |
| Total domestic deposits to total assets | 78.1826% | 6,157 |
| Equity capital to assets | 9.6835% | 4,799 |
| Core capital (leverage) ratio | 10.0260% | 3,402 |
| Tier 1 risk-based capital ratio | 14.6310% | 3,882 |
| Total risk-based capital ratio | 15.3694% | 4,237 |
| Memoranda: | ||
| Average total assets | $241,584,250 | 2,628 |
| Average earning assets | $214,853,000 | 2,685 |
| Average equity | $19,379,250 | 3,232 |
| Average total loans | $187,421,250 | 2,174 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2631% | 2,016 |
| Cost of funding earning assets | 1.4600% | 1,163 |
| Net interest margin | 3.8031% | 3,767 |
| Noninterest income to average assets | 0.8776% | 1,727 |
| Noninterest expense to average assets | 3.1861% | 2,952 |
| Loan and lease loss provision to assets | 0.1537% | 4,390 |
| Net operating income to assets | 0.5817% | 4,145 |
| Return on assets (ROA) | 0.5817% | 4,275 |
| Pretax return on assets | 0.9058% | 3,591 |
| Return on Equity (ROE) | 7.7984% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.7984% | 1,531 |
| Net charge-offs to loans | 0.0420% | 5,270 |
| Credit loss provision to net charge-offs | 474.3590% | 648 |
| Earnings coverage of net charge-offs (x) | 32.6923% | 866 |
| Efficiency ratio | 75.0049% | 3,174 |
| Assets per employee ($millions) | 3.2040% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5921% | 7,144 |
| Loan loss allowance to noncurrent loans | 24.9660% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 1.8356% | 3,460 |
| Noncurrent loans to loans | 2.3714% | 3,016 |
| Net loans and leases to total assets | 76.8588% | 936 |
| Net loans and leases to deposits | 95.0967% | 796 |
| Net loans and leases to core deposits | 97.7243% | 1,523 |
| Total domestic deposits to total assets | 80.8217% | 5,589 |
| Equity capital to assets | 7.8185% | 6,796 |
| Core capital (leverage) ratio | 8.1906% | 6,044 |
| Tier 1 risk-based capital ratio | 12.1581% | 5,656 |
| Total risk-based capital ratio | 12.8815% | 6,060 |
| Memoranda: | ||
| Average total assets | $240,668,000 | 2,652 |
| Average earning assets | $213,144,000 | 2,724 |
| Average equity | $17,952,330 | 3,424 |
| Average total loans | $185,713,000 | 2,214 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 1,726 |
| Cost of funding earning assets | 1.5114% | 1,118 |
| Net interest margin | 3.8362% | 3,437 |
| Noninterest income to average assets | 0.8254% | 1,942 |
| Noninterest expense to average assets | 3.1638% | 3,015 |
| Loan and lease loss provision to assets | 0.1495% | 4,150 |
| Net operating income to assets | 0.5630% | 4,223 |
| Return on assets (ROA) | 0.5630% | 4,300 |
| Pretax return on assets | 0.8802% | 3,577 |
| Return on Equity (ROE) | 7.7333% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.7333% | 1,834 |
| Net charge-offs to loans | 0.0022% | 5,097 |
| Credit loss provision to net charge-offs | 9,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 620.0000% | 37 |
| Efficiency ratio | 75.4059% | 3,262 |
| Assets per employee ($millions) | 3.5675% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 7,243 |
| Loan loss allowance to noncurrent loans | 73.4320% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 5,663 |
| Noncurrent loans to loans | 0.7629% | 5,502 |
| Net loans and leases to total assets | 76.2430% | 1,001 |
| Net loans and leases to deposits | 95.3623% | 729 |
| Net loans and leases to core deposits | 97.9946% | 1,528 |
| Total domestic deposits to total assets | 79.9509% | 5,960 |
| Equity capital to assets | 7.3062% | 6,967 |
| Core capital (leverage) ratio | 7.6878% | 6,569 |
| Tier 1 risk-based capital ratio | 11.6181% | 6,009 |
| Total risk-based capital ratio | 12.3048% | 6,450 |
| Memoranda: | ||
| Average total assets | $240,850,500 | 2,658 |
| Average earning assets | $211,461,000 | 2,761 |
| Average equity | $17,534,500 | 3,481 |
| Average total loans | $185,672,500 | 2,242 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4803% | 2,359 |
| Cost of funding earning assets | 1.8615% | 965 |
| Net interest margin | 3.6189% | 4,725 |
| Noninterest income to average assets | 0.8503% | 2,055 |
| Noninterest expense to average assets | 2.9933% | 3,872 |
| Loan and lease loss provision to assets | 0.1284% | 5,885 |
| Net operating income to assets | 0.6170% | 3,599 |
| Return on assets (ROA) | 0.5010% | 4,255 |
| Pretax return on assets | 0.7568% | 3,774 |
| Return on Equity (ROE) | 6.9004% | 3,167 |
| Retained earnings to average equity (ytd only) | 6.9004% | 1,364 |
| Net charge-offs to loans | 0.0400% | 6,404 |
| Credit loss provision to net charge-offs | 413.8889% | 580 |
| Earnings coverage of net charge-offs (x) | 34.2083% | 660 |
| Efficiency ratio | 73.7888% | 3,444 |
| Assets per employee ($millions) | 3.6229% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5147% | 7,346 |
| Loan loss allowance to noncurrent loans | 84.4996% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 5,960 |
| Noncurrent loans to loans | 0.6091% | 5,825 |
| Net loans and leases to total assets | 77.1152% | 1,070 |
| Net loans and leases to deposits | 96.0375% | 866 |
| Net loans and leases to core deposits | 98.5843% | 1,743 |
| Total domestic deposits to total assets | 80.2970% | 5,752 |
| Equity capital to assets | 7.2540% | 7,016 |
| Core capital (leverage) ratio | 7.6533% | 6,581 |
| Tier 1 risk-based capital ratio | 11.4772% | 5,928 |
| Total risk-based capital ratio | 12.1089% | 6,410 |
| Memoranda: | ||
| Average total assets | $232,153,400 | 2,721 |
| Average earning assets | $205,534,600 | 2,803 |
| Average equity | $16,854,000 | 3,618 |
| Average total loans | $179,799,200 | 2,356 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4750% | 2,539 |
| Cost of funding earning assets | 1.9483% | 886 |
| Net interest margin | 3.5267% | 5,195 |
| Noninterest income to average assets | 0.8634% | 1,942 |
| Noninterest expense to average assets | 3.0084% | 3,710 |
| Loan and lease loss provision to assets | 0.1204% | 5,824 |
| Net operating income to assets | 0.5353% | 4,162 |
| Return on assets (ROA) | 0.5353% | 4,330 |
| Pretax return on assets | 0.8622% | 3,693 |
| Return on Equity (ROE) | 7.3712% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.3712% | 1,662 |
| Net charge-offs to loans | 0.0037% | 6,628 |
| Credit loss provision to net charge-offs | 4,160.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 339.4213% | 92 |
| Efficiency ratio | 75.3371% | 3,068 |
| Assets per employee ($millions) | 3.6784% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4983% | 7,459 |
| Loan loss allowance to noncurrent loans | 68.4327% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 5,866 |
| Noncurrent loans to loans | 0.7281% | 5,746 |
| Net loans and leases to total assets | 77.6739% | 1,095 |
| Net loans and leases to deposits | 95.5491% | 1,041 |
| Net loans and leases to core deposits | 98.4082% | 2,006 |
| Total domestic deposits to total assets | 81.2921% | 5,267 |
| Equity capital to assets | 7.2117% | 7,258 |
| Core capital (leverage) ratio | 7.5562% | 6,810 |
| Tier 1 risk-based capital ratio | 11.1941% | 6,197 |
| Total risk-based capital ratio | 11.8025% | 6,721 |
| Memoranda: | ||
| Average total assets | $230,414,000 | 2,778 |
| Average earning assets | $204,342,750 | 2,866 |
| Average equity | $16,731,250 | 3,693 |
| Average total loans | $178,412,750 | 2,408 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 2,735 |
| Cost of funding earning assets | 2.0411% | 796 |
| Net interest margin | 3.4118% | 5,594 |
| Noninterest income to average assets | 0.8966% | 1,700 |
| Noninterest expense to average assets | 2.9817% | 3,773 |
| Loan and lease loss provision to assets | 0.1125% | 5,781 |
| Net operating income to assets | 0.5213% | 4,233 |
| Return on assets (ROA) | 0.5213% | 4,391 |
| Pretax return on assets | 0.8307% | 3,775 |
| Return on Equity (ROE) | 7.1615% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.1615% | 1,766 |
| Net charge-offs to loans | 0.0068% | 6,266 |
| Credit loss provision to net charge-offs | 2,133.3333% | 191 |
| Earnings coverage of net charge-offs (x) | 178.8333% | 194 |
| Efficiency ratio | 75.9239% | 3,090 |
| Assets per employee ($millions) | 3.7512% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4688% | 7,542 |
| Loan loss allowance to noncurrent loans | 59.2334% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 5,717 |
| Noncurrent loans to loans | 0.7914% | 5,693 |
| Net loans and leases to total assets | 76.3666% | 1,424 |
| Net loans and leases to deposits | 92.4030% | 1,468 |
| Net loans and leases to core deposits | 95.6504% | 2,481 |
| Total domestic deposits to total assets | 82.6452% | 4,720 |
| Equity capital to assets | 7.1443% | 7,293 |
| Core capital (leverage) ratio | 7.4978% | 6,826 |
| Tier 1 risk-based capital ratio | 11.1994% | 6,040 |
| Total risk-based capital ratio | 11.7672% | 6,661 |
| Memoranda: | ||
| Average total assets | $227,519,670 | 2,844 |
| Average earning assets | $201,946,670 | 2,918 |
| Average equity | $16,560,670 | 3,712 |
| Average total loans | $175,668,330 | 2,476 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 2,515 |
| Cost of funding earning assets | 2.0871% | 849 |
| Net interest margin | 3.4286% | 5,468 |
| Noninterest income to average assets | 0.9663% | 1,402 |
| Noninterest expense to average assets | 3.0657% | 3,405 |
| Loan and lease loss provision to assets | 0.1040% | 5,585 |
| Net operating income to assets | 0.5217% | 4,276 |
| Return on assets (ROA) | 0.5217% | 4,419 |
| Pretax return on assets | 0.8390% | 3,711 |
| Return on Equity (ROE) | 7.0980% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.0980% | 2,090 |
| Net charge-offs to loans | 0.0139% | 5,392 |
| Credit loss provision to net charge-offs | 966.6667% | 479 |
| Earnings coverage of net charge-offs (x) | 87.6667% | 369 |
| Efficiency ratio | 76.4311% | 3,143 |
| Assets per employee ($millions) | 3.7177% | 4,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4449% | 7,650 |
| Loan loss allowance to noncurrent loans | 135.1820% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 6,488 |
| Noncurrent loans to loans | 0.3291% | 6,640 |
| Net loans and leases to total assets | 76.9700% | 1,336 |
| Net loans and leases to deposits | 92.8469% | 1,493 |
| Net loans and leases to core deposits | 96.1237% | 2,574 |
| Total domestic deposits to total assets | 82.8999% | 4,680 |
| Equity capital to assets | 7.3013% | 7,214 |
| Core capital (leverage) ratio | 7.6783% | 6,647 |
| Tier 1 risk-based capital ratio | 11.4325% | 5,732 |
| Total risk-based capital ratio | 11.9742% | 6,404 |
| Memoranda: | ||
| Average total assets | $223,116,000 | 2,951 |
| Average earning assets | $197,979,000 | 3,025 |
| Average equity | $16,399,000 | 3,762 |
| Average total loans | $172,840,000 | 2,572 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6460% | 3,367 |
| Cost of funding earning assets | 2.3843% | 1,350 |
| Net interest margin | 3.2617% | 5,885 |
| Noninterest income to average assets | 1.0496% | 1,410 |
| Noninterest expense to average assets | 3.4121% | 2,637 |
| Loan and lease loss provision to assets | 0.0986% | 6,634 |
| Net operating income to assets | 0.2757% | 4,621 |
| Return on assets (ROA) | 0.2658% | 4,741 |
| Pretax return on assets | 0.4242% | 4,420 |
| Return on Equity (ROE) | 3.2823% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.2823% | 2,868 |
| Net charge-offs to loans | 0.0136% | 7,027 |
| Credit loss provision to net charge-offs | 909.5238% | 323 |
| Earnings coverage of net charge-offs (x) | 49.6667% | 519 |
| Efficiency ratio | 86.1659% | 2,094 |
| Assets per employee ($millions) | 3.6575% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4274% | 7,734 |
| Loan loss allowance to noncurrent loans | 86.6667% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4388% | 6,361 |
| Noncurrent loans to loans | 0.4931% | 6,268 |
| Net loans and leases to total assets | 77.2923% | 1,525 |
| Net loans and leases to deposits | 95.2359% | 1,428 |
| Net loans and leases to core deposits | 114.4212% | 2,468 |
| Total domestic deposits to total assets | 81.1588% | 5,288 |
| Equity capital to assets | 7.4003% | 7,121 |
| Core capital (leverage) ratio | 7.7978% | 6,455 |
| Tier 1 risk-based capital ratio | 11.5338% | 5,362 |
| Total risk-based capital ratio | 12.0533% | 6,083 |
| Memoranda: | ||
| Average total assets | $193,782,000 | 3,247 |
| Average earning assets | $172,333,800 | 3,317 |
| Average equity | $15,690,400 | 3,926 |
| Average total loans | $153,923,400 | 2,860 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 3,403 |
| Cost of funding earning assets | 2.4049% | 1,620 |
| Net interest margin | 3.2823% | 5,708 |
| Noninterest income to average assets | 1.0952% | 1,327 |
| Noninterest expense to average assets | 3.4926% | 2,304 |
| Loan and lease loss provision to assets | 0.0975% | 6,390 |
| Net operating income to assets | 0.2691% | 4,908 |
| Return on assets (ROA) | 0.2555% | 5,054 |
| Pretax return on assets | 0.4120% | 4,767 |
| Return on Equity (ROE) | 3.0775% | 4,758 |
| Retained earnings to average equity (ytd only) | 3.0775% | 3,602 |
| Net charge-offs to loans | 0.0196% | 6,633 |
| Credit loss provision to net charge-offs | 622.7273% | 606 |
| Earnings coverage of net charge-offs (x) | 33.9120% | 849 |
| Efficiency ratio | 86.5405% | 2,011 |
| Assets per employee ($millions) | 3.3941% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4154% | 7,811 |
| Loan loss allowance to noncurrent loans | 183.6066% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 6,911 |
| Noncurrent loans to loans | 0.2262% | 6,931 |
| Net loans and leases to total assets | 80.4560% | 1,097 |
| Net loans and leases to deposits | 98.5823% | 1,256 |
| Net loans and leases to core deposits | 122.2366% | 2,048 |
| Total domestic deposits to total assets | 81.6131% | 4,832 |
| Equity capital to assets | 7.8891% | 6,955 |
| Core capital (leverage) ratio | 8.4419% | 5,592 |
| Tier 1 risk-based capital ratio | 12.1945% | 4,793 |
| Total risk-based capital ratio | 12.7072% | 5,415 |
| Memoranda: | ||
| Average total assets | $187,365,000 | 3,348 |
| Average earning assets | $167,154,000 | 3,420 |
| Average equity | $15,553,000 | 3,993 |
| Average total loans | $149,817,750 | 2,956 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 3,492 |
| Cost of funding earning assets | 2.3876% | 2,013 |
| Net interest margin | 3.3201% | 5,473 |
| Noninterest income to average assets | 1.1165% | 1,273 |
| Noninterest expense to average assets | 3.5812% | 2,118 |
| Loan and lease loss provision to assets | 0.0940% | 6,228 |
| Net operating income to assets | 0.2387% | 5,134 |
| Return on assets (ROA) | 0.2338% | 5,229 |
| Pretax return on assets | 0.3977% | 4,940 |
| Return on Equity (ROE) | 2.7664% | 4,990 |
| Retained earnings to average equity (ytd only) | 2.7664% | 3,788 |
| Net charge-offs to loans | 0.0329% | 5,998 |
| Credit loss provision to net charge-offs | 358.3333% | 1,295 |
| Earnings coverage of net charge-offs (x) | 19.0417% | 1,386 |
| Efficiency ratio | 87.4431% | 2,082 |
| Assets per employee ($millions) | 3.4721% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4024% | 7,900 |
| Loan loss allowance to noncurrent loans | 371.2575% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 7,183 |
| Noncurrent loans to loans | 0.1084% | 7,250 |
| Net loans and leases to total assets | 80.3519% | 1,248 |
| Net loans and leases to deposits | 100.1606% | 1,276 |
| Net loans and leases to core deposits | 122.4642% | 2,159 |
| Total domestic deposits to total assets | 80.2231% | 5,385 |
| Equity capital to assets | 8.1774% | 6,524 |
| Core capital (leverage) ratio | 8.7727% | 4,976 |
| Tier 1 risk-based capital ratio | 12.8368% | 4,258 |
| Total risk-based capital ratio | 13.3380% | 4,763 |
| Memoranda: | ||
| Average total assets | $183,069,670 | 3,438 |
| Average earning assets | $163,427,000 | 3,495 |
| Average equity | $15,471,330 | 4,023 |
| Average total loans | $145,828,330 | 3,049 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7470% | 3,544 |
| Cost of funding earning assets | 2.3877% | 2,343 |
| Net interest margin | 3.3593% | 5,288 |
| Noninterest income to average assets | 1.1769% | 1,060 |
| Noninterest expense to average assets | 3.5841% | 1,898 |
| Loan and lease loss provision to assets | 0.0916% | 5,785 |
| Net operating income to assets | 0.2857% | 5,349 |
| Return on assets (ROA) | 0.3015% | 5,468 |
| Pretax return on assets | 0.5292% | 4,980 |
| Return on Equity (ROE) | 3.5067% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.5067% | 3,942 |
| Net charge-offs to loans | 0.0113% | 5,463 |
| Credit loss provision to net charge-offs | 1,025.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 66.7500% | 600 |
| Efficiency ratio | 85.4167% | 2,139 |
| Assets per employee ($millions) | 3.1820% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4134% | 7,930 |
| Loan loss allowance to noncurrent loans | 156.1680% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 6,728 |
| Noncurrent loans to loans | 0.2647% | 6,775 |
| Net loans and leases to total assets | 79.0348% | 1,574 |
| Net loans and leases to deposits | 101.9632% | 1,179 |
| Net loans and leases to core deposits | 121.6702% | 2,281 |
| Total domestic deposits to total assets | 77.5131% | 6,144 |
| Equity capital to assets | 8.5493% | 5,997 |
| Core capital (leverage) ratio | 9.1847% | 4,432 |
| Tier 1 risk-based capital ratio | 13.4569% | 3,891 |
| Total risk-based capital ratio | 13.9639% | 4,300 |
| Memoranda: | ||
| Average total assets | $179,122,000 | 3,520 |
| Average earning assets | $160,153,500 | 3,567 |
| Average equity | $15,399,000 | 4,063 |
| Average total loans | $141,710,500 | 3,140 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8874% | 6,100 |
| Cost of funding earning assets | 2.6123% | 3,623 |
| Net interest margin | 3.2751% | 6,120 |
| Noninterest income to average assets | 1.0524% | 1,415 |
| Noninterest expense to average assets | 3.7263% | 1,899 |
| Loan and lease loss provision to assets | 0.0824% | 6,354 |
| Net operating income to assets | 0.0648% | 6,196 |
| Return on assets (ROA) | 0.0648% | 6,052 |
| Pretax return on assets | 0.1767% | 5,779 |
| Return on Equity (ROE) | 0.6355% | 6,023 |
| Retained earnings to average equity (ytd only) | 0.6355% | 4,857 |
| Net charge-offs to loans | 0.0260% | 6,469 |
| Credit loss provision to net charge-offs | 422.5806% | 1,034 |
| Earnings coverage of net charge-offs (x) | 13.2903% | 2,146 |
| Efficiency ratio | 93.0431% | 1,323 |
| Assets per employee ($millions) | 3.3372% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4001% | 7,974 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 6,733 |
| Noncurrent loans to loans | 0.1549% | 6,944 |
| Net loans and leases to total assets | 78.5432% | 1,994 |
| Net loans and leases to deposits | 105.9641% | 1,127 |
| Net loans and leases to core deposits | 125.4932% | 2,205 |
| Total domestic deposits to total assets | 74.1225% | 6,639 |
| Equity capital to assets | 8.6458% | 5,873 |
| Core capital (leverage) ratio | 9.3134% | 4,280 |
| Tier 1 risk-based capital ratio | 14.1344% | 3,479 |
| Total risk-based capital ratio | 14.6392% | 3,782 |
| Memoranda: | ||
| Average total assets | $159,060,000 | 3,733 |
| Average earning assets | $142,440,000 | 3,800 |
| Average equity | $16,207,200 | 3,883 |
| Average total loans | $119,282,400 | 3,480 |