Home > Glenwood State Bank > Performance and Condition Ratios
Glenwood State 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 | 3.3785% | 4,436 |
| Cost of funding earning assets | 1.0553% | 3,182 |
| Net interest margin | 2.3231% | 4,244 |
| Noninterest income to average assets | 1.8600% | 293 |
| Noninterest expense to average assets | 1.9821% | 3,674 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.8280% | 586 |
| Return on assets (ROA) | 1.8940% | 514 |
| Pretax return on assets | 2.0795% | 596 |
| Return on Equity (ROE) | 23.4200% | 380 |
| Retained earnings to average equity (ytd only) | 23.4204% | 87 |
| Net charge-offs to loans | 0.0332% | 1,633 |
| Credit loss provision to net charge-offs | 714.2857% | 521 |
| Earnings coverage of net charge-offs (x) | 154.7381% | 698 |
| Efficiency ratio | 48.5065% | 4,064 |
| Assets per employee ($millions) | 8.1447% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,576 |
| Loan loss allowance to noncurrent loans | 62.0664% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 563 |
| Noncurrent loans to loans | 1.8463% | 319 |
| Net loans and leases to total assets | 47.6300% | 3,746 |
| Net loans and leases to deposits | 52.9947% | 3,834 |
| Net loans and leases to core deposits | 54.2621% | 3,969 |
| Total domestic deposits to total assets | 89.8800% | 792 |
| Equity capital to assets | 9.7231% | 2,183 |
| Core capital (leverage) ratio | 10.6987% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $308,871,600 | 2,385 |
| Average earning assets | $296,110,800 | 2,330 |
| Average equity | $24,978,200 | 2,520 |
| Average total loans | $126,362,800 | 2,888 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1980% | 4,483 |
| Cost of funding earning assets | 0.9535% | 3,147 |
| Net interest margin | 2.2445% | 4,330 |
| Noninterest income to average assets | 2.3900% | 241 |
| Noninterest expense to average assets | 1.7480% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.4698% | 274 |
| Return on assets (ROA) | 2.5126% | 260 |
| Pretax return on assets | 2.8313% | 271 |
| Return on Equity (ROE) | 32.6700% | 182 |
| Retained earnings to average equity (ytd only) | 32.6721% | 69 |
| Net charge-offs to loans | 0.0384% | 1,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 185.3429% | 633 |
| Efficiency ratio | 38.5759% | 4,393 |
| Assets per employee ($millions) | 7.9170% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 3,249 |
| Loan loss allowance to noncurrent loans | 49.4767% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8974% | 604 |
| Noncurrent loans to loans | 2.0644% | 284 |
| Net loans and leases to total assets | 43.0300% | 3,955 |
| Net loans and leases to deposits | 48.0445% | 4,003 |
| Net loans and leases to core deposits | 48.7744% | 4,069 |
| Total domestic deposits to total assets | 89.5600% | 1,051 |
| Equity capital to assets | 8.8495% | 2,503 |
| Core capital (leverage) ratio | 10.5741% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $310,751,000 | 2,373 |
| Average earning assets | $297,138,250 | 2,327 |
| Average equity | $23,897,500 | 2,571 |
| Average total loans | $121,651,500 | 2,931 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0232% | 4,546 |
| Cost of funding earning assets | 0.7905% | 3,234 |
| Net interest margin | 2.2327% | 4,398 |
| Noninterest income to average assets | 3.4600% | 164 |
| Noninterest expense to average assets | 1.8284% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.4555% | 122 |
| Return on assets (ROA) | 3.5034% | 121 |
| Pretax return on assets | 3.8072% | 123 |
| Return on Equity (ROE) | 47.9400% | 69 |
| Retained earnings to average equity (ytd only) | 47.9448% | 37 |
| Net charge-offs to loans | 0.0596% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 167.0571% | 695 |
| Efficiency ratio | 32.7467% | 4,523 |
| Assets per employee ($millions) | 8.1473% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 3,095 |
| Loan loss allowance to noncurrent loans | 48.0378% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.9218% | 530 |
| Noncurrent loans to loans | 2.2254% | 228 |
| Net loans and leases to total assets | 40.9800% | 4,005 |
| Net loans and leases to deposits | 47.0730% | 4,015 |
| Net loans and leases to core deposits | 47.7121% | 4,078 |
| Total domestic deposits to total assets | 87.0600% | 1,912 |
| Equity capital to assets | 8.5802% | 2,798 |
| Core capital (leverage) ratio | 10.3137% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5670% | 454 |
| Memoranda: | ||
| Average total assets | $311,413,333 | 2,374 |
| Average earning assets | $296,768,000 | 2,334 |
| Average equity | $22,755,333 | 2,643 |
| Average total loans | $117,459,667 | 2,980 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8632% | 4,590 |
| Cost of funding earning assets | 0.6955% | 3,068 |
| Net interest margin | 2.1677% | 4,509 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 1.7674% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6678% | 3,533 |
| Return on assets (ROA) | 0.7134% | 3,388 |
| Pretax return on assets | 1.0271% | 2,913 |
| Return on Equity (ROE) | 10.6900% | 2,581 |
| Retained earnings to average equity (ytd only) | 10.6853% | 1,539 |
| Net charge-offs to loans | 0.1392% | 483 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 19.4103% | 1,468 |
| Efficiency ratio | 64.5765% | 2,375 |
| Assets per employee ($millions) | 8.2461% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,481 |
| Loan loss allowance to noncurrent loans | 147.9437% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 1,688 |
| Noncurrent loans to loans | 0.8210% | 932 |
| Net loans and leases to total assets | 35.4800% | 4,212 |
| Net loans and leases to deposits | 38.9316% | 4,257 |
| Net loans and leases to core deposits | 39.3442% | 4,286 |
| Total domestic deposits to total assets | 91.1400% | 757 |
| Equity capital to assets | 6.9861% | 3,837 |
| Core capital (leverage) ratio | 8.7727% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9651% | 662 |
| Memoranda: | ||
| Average total assets | $312,321,500 | 2,400 |
| Average earning assets | $295,615,500 | 2,370 |
| Average equity | $20,851,000 | 2,814 |
| Average total loans | $112,067,000 | 3,075 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2417% | 4,573 |
| Cost of funding earning assets | 0.2996% | 2,879 |
| Net interest margin | 1.9420% | 4,566 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.9052% | 3,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.1738% | 4,464 |
| Return on assets (ROA) | 0.1667% | 4,451 |
| Pretax return on assets | 0.1838% | 4,454 |
| Return on Equity (ROE) | 2.4900% | 4,342 |
| Retained earnings to average equity (ytd only) | 2.4864% | 3,861 |
| Net charge-offs to loans | -0.0150% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.8658% | 281 |
| Assets per employee ($millions) | 8.1918% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,098 |
| Loan loss allowance to noncurrent loans | 1,351.9231% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 3,472 |
| Noncurrent loans to loans | 0.0932% | 3,095 |
| Net loans and leases to total assets | 35.3900% | 4,245 |
| Net loans and leases to deposits | 40.2953% | 4,236 |
| Net loans and leases to core deposits | 40.7519% | 4,260 |
| Total domestic deposits to total assets | 87.8400% | 2,125 |
| Equity capital to assets | 6.3642% | 3,955 |
| Core capital (leverage) ratio | 8.6133% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8253% | 642 |
| Memoranda: | ||
| Average total assets | $310,672,000 | 2,402 |
| Average earning assets | $295,358,200 | 2,363 |
| Average equity | $20,833,400 | 2,874 |
| Average total loans | $100,207,600 | 3,149 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0746% | 4,593 |
| Cost of funding earning assets | 0.2587% | 2,618 |
| Net interest margin | 1.8159% | 4,600 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.8068% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1494% | 4,512 |
| Return on assets (ROA) | 0.1297% | 4,495 |
| Pretax return on assets | 0.1524% | 4,490 |
| Return on Equity (ROE) | 1.9100% | 4,416 |
| Retained earnings to average equity (ytd only) | 1.9093% | 4,054 |
| Net charge-offs to loans | -0.0178% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 91.1414% | 293 |
| Assets per employee ($millions) | 8.3193% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 1,587 |
| Loan loss allowance to noncurrent loans | 4,387.5000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 3,882 |
| Noncurrent loans to loans | 0.0321% | 3,667 |
| Net loans and leases to total assets | 31.1200% | 4,393 |
| Net loans and leases to deposits | 33.1616% | 4,434 |
| Net loans and leases to core deposits | 33.6372% | 4,452 |
| Total domestic deposits to total assets | 93.8300% | 386 |
| Equity capital to assets | 5.8425% | 4,019 |
| Core capital (leverage) ratio | 8.4140% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5482% | 459 |
| Memoranda: | ||
| Average total assets | $310,517,500 | 2,416 |
| Average earning assets | $295,311,000 | 2,381 |
| Average equity | $21,089,000 | 2,888 |
| Average total loans | $97,363,250 | 3,201 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9607% | 4,635 |
| Cost of funding earning assets | 0.2458% | 2,326 |
| Net interest margin | 1.7149% | 4,652 |
| Noninterest income to average assets | 0.3007% | 3,357 |
| Noninterest expense to average assets | 1.9194% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.0415% | 4,595 |
| Return on assets (ROA) | -0.0804% | 4,583 |
| Pretax return on assets | -0.0207% | 4,545 |
| Return on Equity (ROE) | -1.1292% | 4,594 |
| Retained earnings to average equity (ytd only) | -1.1292% | 4,306 |
| Net charge-offs to loans | -0.0394% | 4,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0635% | 201 |
| Assets per employee ($millions) | 8.0629% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,626 |
| Loan loss allowance to noncurrent loans | 2,073.5294% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,796 |
| Noncurrent loans to loans | 0.0691% | 3,453 |
| Net loans and leases to total assets | 30.8493% | 4,433 |
| Net loans and leases to deposits | 33.0864% | 4,467 |
| Net loans and leases to core deposits | 33.5681% | 4,491 |
| Total domestic deposits to total assets | 93.2388% | 455 |
| Equity capital to assets | 6.4207% | 4,049 |
| Core capital (leverage) ratio | 8.2435% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,645,333 | 2,441 |
| Average earning assets | $294,588,667 | 2,412 |
| Average equity | $21,962,000 | 2,901 |
| Average total loans | $96,560,000 | 3,236 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8894% | 4,645 |
| Cost of funding earning assets | 0.2341% | 2,336 |
| Net interest margin | 1.6553% | 4,660 |
| Noninterest income to average assets | 0.3467% | 3,017 |
| Noninterest expense to average assets | 1.8342% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0105% | 4,543 |
| Return on assets (ROA) | -0.0092% | 4,535 |
| Pretax return on assets | 0.0693% | 4,474 |
| Return on Equity (ROE) | -0.1225% | 4,536 |
| Retained earnings to average equity (ytd only) | -0.1225% | 4,031 |
| Net charge-offs to loans | -0.0711% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1153% | 359 |
| Assets per employee ($millions) | 8.1585% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 1,523 |
| Loan loss allowance to noncurrent loans | 162.9630% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 1,590 |
| Noncurrent loans to loans | 0.9267% | 983 |
| Net loans and leases to total assets | 28.8593% | 4,478 |
| Net loans and leases to deposits | 31.0370% | 4,520 |
| Net loans and leases to core deposits | 31.6041% | 4,548 |
| Total domestic deposits to total assets | 92.9836% | 275 |
| Equity capital to assets | 6.5909% | 4,388 |
| Core capital (leverage) ratio | 8.4436% | 3,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,741,000 | 2,475 |
| Average earning assets | $292,150,000 | 2,438 |
| Average equity | $22,848,000 | 2,918 |
| Average total loans | $95,631,500 | 3,253 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2414% | 4,611 |
| Cost of funding earning assets | 0.2602% | 2,809 |
| Net interest margin | 1.9813% | 4,611 |
| Noninterest income to average assets | 0.3998% | 3,050 |
| Noninterest expense to average assets | 1.9829% | 3,733 |
| Loan and lease loss provision to assets | 0.0319% | 2,408 |
| Net operating income to assets | 0.1765% | 4,557 |
| Return on assets (ROA) | 0.2311% | 4,518 |
| Pretax return on assets | 0.3247% | 4,467 |
| Return on Equity (ROE) | 2.5517% | 4,434 |
| Retained earnings to average equity (ytd only) | 2.5517% | 3,816 |
| Net charge-offs to loans | -0.0063% | 3,609 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3380% | 412 |
| Assets per employee ($millions) | 7.1537% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,846 |
| Loan loss allowance to noncurrent loans | 174.5295% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 1,646 |
| Noncurrent loans to loans | 0.8130% | 1,252 |
| Net loans and leases to total assets | 32.9489% | 4,413 |
| Net loans and leases to deposits | 36.1616% | 4,473 |
| Net loans and leases to core deposits | 36.8955% | 4,498 |
| Total domestic deposits to total assets | 91.1156% | 456 |
| Equity capital to assets | 8.4299% | 4,094 |
| Core capital (leverage) ratio | 8.7464% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,112,800 | 2,524 |
| Average earning assets | $266,346,000 | 2,514 |
| Average equity | $25,551,800 | 2,811 |
| Average total loans | $95,564,000 | 3,254 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3089% | 4,669 |
| Cost of funding earning assets | 0.2621% | 2,994 |
| Net interest margin | 2.0467% | 4,655 |
| Noninterest income to average assets | 0.4277% | 2,941 |
| Noninterest expense to average assets | 1.9528% | 3,802 |
| Loan and lease loss provision to assets | 0.0430% | 2,136 |
| Net operating income to assets | 0.2763% | 4,553 |
| Return on assets (ROA) | 0.3318% | 4,502 |
| Pretax return on assets | 0.4291% | 4,455 |
| Return on Equity (ROE) | 3.5974% | 4,370 |
| Retained earnings to average equity (ytd only) | 3.5974% | 3,714 |
| Net charge-offs to loans | 0.0070% | 2,058 |
| Credit loss provision to net charge-offs | 1,800.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 168.4000% | 624 |
| Efficiency ratio | 82.9313% | 581 |
| Assets per employee ($millions) | 6.8984% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,534 |
| Loan loss allowance to noncurrent loans | 117.0483% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 1,436 |
| Noncurrent loans to loans | 1.3027% | 827 |
| Net loans and leases to total assets | 30.7613% | 4,571 |
| Net loans and leases to deposits | 33.9095% | 4,627 |
| Net loans and leases to core deposits | 34.6049% | 4,642 |
| Total domestic deposits to total assets | 90.7159% | 464 |
| Equity capital to assets | 8.8389% | 3,971 |
| Core capital (leverage) ratio | 9.1424% | 3,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,316,000 | 2,563 |
| Average earning assets | $262,979,500 | 2,553 |
| Average equity | $25,758,500 | 2,833 |
| Average total loans | $94,947,500 | 3,307 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4781% | 4,633 |
| Cost of funding earning assets | 0.2701% | 3,089 |
| Net interest margin | 2.2080% | 4,596 |
| Noninterest income to average assets | 0.4227% | 2,993 |
| Noninterest expense to average assets | 1.8452% | 4,085 |
| Loan and lease loss provision to assets | 0.0653% | 1,738 |
| Net operating income to assets | 0.4949% | 4,230 |
| Return on assets (ROA) | 0.5619% | 4,120 |
| Pretax return on assets | 0.6663% | 4,136 |
| Return on Equity (ROE) | 6.0058% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.0058% | 2,800 |
| Net charge-offs to loans | 0.0021% | 2,130 |
| Credit loss provision to net charge-offs | 9,000.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 899.0000% | 151 |
| Efficiency ratio | 73.8966% | 1,250 |
| Assets per employee ($millions) | 6.5344% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,413 |
| Loan loss allowance to noncurrent loans | 133.9787% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 1,682 |
| Noncurrent loans to loans | 1.1589% | 1,048 |
| Net loans and leases to total assets | 31.2296% | 4,615 |
| Net loans and leases to deposits | 34.5713% | 4,668 |
| Net loans and leases to core deposits | 35.2692% | 4,690 |
| Total domestic deposits to total assets | 90.3338% | 631 |
| Equity capital to assets | 9.1882% | 3,611 |
| Core capital (leverage) ratio | 8.9950% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,844,333 | 2,573 |
| Average earning assets | $259,150,333 | 2,561 |
| Average equity | $25,808,333 | 2,824 |
| Average total loans | $96,428,333 | 3,304 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5836% | 4,582 |
| Cost of funding earning assets | 0.2714% | 3,256 |
| Net interest margin | 2.3122% | 4,510 |
| Noninterest income to average assets | 0.5094% | 2,568 |
| Noninterest expense to average assets | 1.8165% | 4,183 |
| Loan and lease loss provision to assets | 0.0659% | 1,826 |
| Net operating income to assets | 0.6839% | 3,750 |
| Return on assets (ROA) | 0.8329% | 3,401 |
| Pretax return on assets | 0.9558% | 3,485 |
| Return on Equity (ROE) | 8.8203% | 3,097 |
| Retained earnings to average equity (ytd only) | 8.8203% | 2,015 |
| Net charge-offs to loans | 0.0240% | 1,268 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 96.8333% | 629 |
| Efficiency ratio | 68.1120% | 1,921 |
| Assets per employee ($millions) | 6.8440% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 2,140 |
| Loan loss allowance to noncurrent loans | 663.6816% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 1,789 |
| Noncurrent loans to loans | 0.2051% | 3,373 |
| Net loans and leases to total assets | 33.6297% | 4,588 |
| Net loans and leases to deposits | 37.1691% | 4,656 |
| Net loans and leases to core deposits | 38.1227% | 4,669 |
| Total domestic deposits to total assets | 90.4776% | 592 |
| Equity capital to assets | 8.9978% | 3,687 |
| Core capital (leverage) ratio | 9.4022% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,276,500 | 2,579 |
| Average earning assets | $254,990,500 | 2,574 |
| Average equity | $25,804,000 | 2,812 |
| Average total loans | $100,076,000 | 3,260 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1450% | 4,510 |
| Cost of funding earning assets | 0.3462% | 3,885 |
| Net interest margin | 2.7988% | 4,269 |
| Noninterest income to average assets | 0.4045% | 3,071 |
| Noninterest expense to average assets | 2.2995% | 3,400 |
| Loan and lease loss provision to assets | 0.0739% | 3,457 |
| Net operating income to assets | 0.4462% | 4,149 |
| Return on assets (ROA) | 0.4637% | 4,193 |
| Pretax return on assets | 0.6427% | 3,993 |
| Return on Equity (ROE) | 4.4873% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.4873% | 2,539 |
| Net charge-offs to loans | -0.0040% | 4,081 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8038% | 1,138 |
| Assets per employee ($millions) | 6.1692% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,581 |
| Loan loss allowance to noncurrent loans | 610.8491% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.5940% | 1,776 |
| Noncurrent loans to loans | 0.2075% | 3,457 |
| Net loans and leases to total assets | 38.9244% | 4,479 |
| Net loans and leases to deposits | 43.4937% | 4,546 |
| Net loans and leases to core deposits | 44.7616% | 4,579 |
| Total domestic deposits to total assets | 89.4942% | 774 |
| Equity capital to assets | 9.9357% | 3,193 |
| Core capital (leverage) ratio | 9.6401% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,485,200 | 2,629 |
| Average earning assets | $225,276,400 | 2,633 |
| Average equity | $25,159,800 | 2,792 |
| Average total loans | $100,418,200 | 3,224 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3157% | 4,454 |
| Cost of funding earning assets | 0.3613% | 3,997 |
| Net interest margin | 2.9545% | 4,076 |
| Noninterest income to average assets | 0.4174% | 2,997 |
| Noninterest expense to average assets | 2.1760% | 3,740 |
| Loan and lease loss provision to assets | 0.0751% | 3,384 |
| Net operating income to assets | 0.6975% | 3,468 |
| Return on assets (ROA) | 0.7068% | 3,538 |
| Pretax return on assets | 0.9177% | 3,335 |
| Return on Equity (ROE) | 6.7694% | 3,286 |
| Retained earnings to average equity (ytd only) | 6.7694% | 1,790 |
| Net charge-offs to loans | -0.0093% | 4,210 |
| Credit loss provision to net charge-offs | -1,928.5714% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9230% | 2,053 |
| Assets per employee ($millions) | 6.3743% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,506 |
| Loan loss allowance to noncurrent loans | 575.2294% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.6059% | 1,911 |
| Noncurrent loans to loans | 0.2137% | 3,526 |
| Net loans and leases to total assets | 39.5138% | 4,579 |
| Net loans and leases to deposits | 44.2812% | 4,649 |
| Net loans and leases to core deposits | 45.5027% | 4,674 |
| Total domestic deposits to total assets | 89.2337% | 676 |
| Equity capital to assets | 10.1890% | 3,079 |
| Core capital (leverage) ratio | 10.1395% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,580,250 | 2,625 |
| Average earning assets | $222,166,750 | 2,638 |
| Average equity | $25,013,750 | 2,790 |
| Average total loans | $99,985,250 | 3,240 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 4,300 |
| Cost of funding earning assets | 0.3853% | 4,107 |
| Net interest margin | 3.1914% | 3,691 |
| Noninterest income to average assets | 0.3958% | 3,109 |
| Noninterest expense to average assets | 2.1130% | 3,998 |
| Loan and lease loss provision to assets | 0.0768% | 3,334 |
| Net operating income to assets | 0.9399% | 2,540 |
| Return on assets (ROA) | 0.9546% | 2,605 |
| Pretax return on assets | 1.1704% | 2,463 |
| Return on Equity (ROE) | 9.0637% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.0637% | 987 |
| Net charge-offs to loans | -0.0141% | 4,303 |
| Credit loss provision to net charge-offs | -1,285.7143% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2210% | 2,923 |
| Assets per employee ($millions) | 5.9389% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,798 |
| Loan loss allowance to noncurrent loans | 128.6475% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 1,320 |
| Noncurrent loans to loans | 0.8912% | 1,716 |
| Net loans and leases to total assets | 42.7761% | 4,504 |
| Net loans and leases to deposits | 48.1974% | 4,588 |
| Net loans and leases to core deposits | 49.3792% | 4,631 |
| Total domestic deposits to total assets | 88.7518% | 841 |
| Equity capital to assets | 10.5899% | 2,674 |
| Core capital (leverage) ratio | 9.9958% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,449,667 | 2,646 |
| Average earning assets | $216,460,000 | 2,660 |
| Average equity | $24,692,000 | 2,804 |
| Average total loans | $99,312,667 | 3,245 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3913% | 4,742 |
| Cost of funding earning assets | 0.4010% | 4,357 |
| Net interest margin | 2.9903% | 4,293 |
| Noninterest income to average assets | 0.4645% | 2,731 |
| Noninterest expense to average assets | 2.2616% | 3,853 |
| Loan and lease loss provision to assets | 0.0783% | 2,738 |
| Net operating income to assets | 0.6805% | 3,334 |
| Return on assets (ROA) | 0.6750% | 3,419 |
| Pretax return on assets | 0.8942% | 3,151 |
| Return on Equity (ROE) | 6.4278% | 3,159 |
| Retained earnings to average equity (ytd only) | 6.4278% | 1,740 |
| Net charge-offs to loans | -0.0415% | 4,575 |
| Credit loss provision to net charge-offs | -450.0000% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7799% | 2,390 |
| Assets per employee ($millions) | 5.9891% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,696 |
| Loan loss allowance to noncurrent loans | 963.6364% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 2,154 |
| Noncurrent loans to loans | 0.1240% | 4,021 |
| Net loans and leases to total assets | 41.2773% | 4,618 |
| Net loans and leases to deposits | 46.4726% | 4,708 |
| Net loans and leases to core deposits | 47.6575% | 4,737 |
| Total domestic deposits to total assets | 88.8207% | 747 |
| Equity capital to assets | 10.4451% | 3,371 |
| Core capital (leverage) ratio | 10.4681% | 2,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,926,500 | 2,626 |
| Average earning assets | $213,488,500 | 2,635 |
| Average equity | $24,145,000 | 2,839 |
| Average total loans | $96,286,000 | 3,274 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 4,881 |
| Cost of funding earning assets | 0.3826% | 4,502 |
| Net interest margin | 3.0802% | 4,398 |
| Noninterest income to average assets | 0.4634% | 2,938 |
| Noninterest expense to average assets | 2.3699% | 3,772 |
| Loan and lease loss provision to assets | 0.0317% | 3,383 |
| Net operating income to assets | 0.7001% | 3,868 |
| Return on assets (ROA) | 0.7666% | 3,737 |
| Pretax return on assets | 0.9879% | 3,491 |
| Return on Equity (ROE) | 7.5046% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.5046% | 1,168 |
| Net charge-offs to loans | 0.0156% | 3,159 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 147.6429% | 500 |
| Efficiency ratio | 71.7004% | 1,908 |
| Assets per employee ($millions) | 6.1156% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 2,591 |
| Loan loss allowance to noncurrent loans | 1,481.3333% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,033 |
| Noncurrent loans to loans | 0.0790% | 4,207 |
| Net loans and leases to total assets | 41.4895% | 4,690 |
| Net loans and leases to deposits | 46.7061% | 4,769 |
| Net loans and leases to core deposits | 47.9266% | 4,791 |
| Total domestic deposits to total assets | 88.8310% | 733 |
| Equity capital to assets | 10.5591% | 3,392 |
| Core capital (leverage) ratio | 10.5185% | 2,936 |
| Tier 1 risk-based capital ratio | 21.3665% | 1,108 |
| Total risk-based capital ratio | 22.3708% | 1,120 |
| Memoranda: | ||
| Average total assets | $220,984,000 | 2,652 |
| Average earning assets | $203,883,600 | 2,670 |
| Average equity | $22,572,800 | 2,907 |
| Average total loans | $89,607,200 | 3,404 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 5,005 |
| Cost of funding earning assets | 0.3722% | 4,590 |
| Net interest margin | 3.0535% | 4,553 |
| Noninterest income to average assets | 0.4838% | 2,835 |
| Noninterest expense to average assets | 2.1536% | 4,269 |
| Loan and lease loss provision to assets | 0.0243% | 3,410 |
| Net operating income to assets | 0.9027% | 3,334 |
| Return on assets (ROA) | 0.9032% | 3,407 |
| Pretax return on assets | 1.1302% | 3,202 |
| Return on Equity (ROE) | 8.9195% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.9195% | 1,071 |
| Net charge-offs to loans | 0.0196% | 2,719 |
| Credit loss provision to net charge-offs | 307.6923% | 935 |
| Earnings coverage of net charge-offs (x) | 146.2550% | 551 |
| Efficiency ratio | 65.1129% | 2,838 |
| Assets per employee ($millions) | 5.9397% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,680 |
| Loan loss allowance to noncurrent loans | 402.2305% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7262% | 1,885 |
| Noncurrent loans to loans | 0.2900% | 3,497 |
| Net loans and leases to total assets | 41.7156% | 4,755 |
| Net loans and leases to deposits | 46.7554% | 4,854 |
| Net loans and leases to core deposits | 47.5062% | 4,884 |
| Total domestic deposits to total assets | 89.2210% | 545 |
| Equity capital to assets | 10.6985% | 3,381 |
| Core capital (leverage) ratio | 10.9657% | 2,676 |
| Tier 1 risk-based capital ratio | 21.4067% | 1,139 |
| Total risk-based capital ratio | 22.4008% | 1,154 |
| Memoranda: | ||
| Average total assets | $219,660,250 | 2,687 |
| Average earning assets | $203,124,750 | 2,699 |
| Average equity | $22,242,750 | 2,961 |
| Average total loans | $88,260,750 | 3,479 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 5,085 |
| Cost of funding earning assets | 0.3615% | 4,645 |
| Net interest margin | 3.0313% | 4,638 |
| Noninterest income to average assets | 0.4699% | 2,839 |
| Noninterest expense to average assets | 2.1628% | 4,307 |
| Loan and lease loss provision to assets | 0.0091% | 3,563 |
| Net operating income to assets | 0.8790% | 3,365 |
| Return on assets (ROA) | 0.8797% | 3,426 |
| Pretax return on assets | 1.1010% | 3,230 |
| Return on Equity (ROE) | 8.8544% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.8544% | 1,075 |
| Net charge-offs to loans | 0.0207% | 2,442 |
| Credit loss provision to net charge-offs | 111.1111% | 1,836 |
| Earnings coverage of net charge-offs (x) | 135.3333% | 542 |
| Efficiency ratio | 66.1008% | 2,796 |
| Assets per employee ($millions) | 5.8656% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 2,908 |
| Loan loss allowance to noncurrent loans | 74.1573% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 1,021 |
| Noncurrent loans to loans | 1.5224% | 1,013 |
| Net loans and leases to total assets | 42.6134% | 4,763 |
| Net loans and leases to deposits | 47.7078% | 4,854 |
| Net loans and leases to core deposits | 48.4796% | 4,898 |
| Total domestic deposits to total assets | 89.3217% | 527 |
| Equity capital to assets | 10.5650% | 3,460 |
| Core capital (leverage) ratio | 10.3723% | 3,220 |
| Tier 1 risk-based capital ratio | 20.5587% | 1,241 |
| Total risk-based capital ratio | 21.5119% | 1,269 |
| Memoranda: | ||
| Average total assets | $219,624,000 | 2,695 |
| Average earning assets | $203,017,670 | 2,706 |
| Average equity | $21,819,670 | 2,987 |
| Average total loans | $86,761,000 | 3,534 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2509% | 5,197 |
| Cost of funding earning assets | 0.3233% | 4,766 |
| Net interest margin | 2.9276% | 4,853 |
| Noninterest income to average assets | 0.4870% | 2,628 |
| Noninterest expense to average assets | 2.3375% | 3,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8546% | 3,432 |
| Return on assets (ROA) | 0.8564% | 3,465 |
| Pretax return on assets | 0.8564% | 3,904 |
| Return on Equity (ROE) | 8.8972% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.8972% | 1,354 |
| Net charge-offs to loans | 0.1008% | 1,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 22.4762% | 1,498 |
| Efficiency ratio | 73.2275% | 1,854 |
| Assets per employee ($millions) | 6.0514% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,502 |
| Loan loss allowance to noncurrent loans | 62.6287% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 966 |
| Noncurrent loans to loans | 1.9394% | 776 |
| Net loans and leases to total assets | 37.5588% | 4,968 |
| Net loans and leases to deposits | 41.6708% | 5,047 |
| Net loans and leases to core deposits | 42.2064% | 5,074 |
| Total domestic deposits to total assets | 90.1323% | 405 |
| Equity capital to assets | 9.7628% | 4,036 |
| Core capital (leverage) ratio | 10.4505% | 3,108 |
| Tier 1 risk-based capital ratio | 20.8560% | 1,179 |
| Total risk-based capital ratio | 21.8237% | 1,213 |
| Memoranda: | ||
| Average total assets | $220,922,000 | 2,716 |
| Average earning assets | $204,125,500 | 2,723 |
| Average equity | $21,265,000 | 3,045 |
| Average total loans | $83,372,000 | 3,623 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8675% | 5,276 |
| Cost of funding earning assets | 0.2024% | 4,990 |
| Net interest margin | 2.6651% | 5,119 |
| Noninterest income to average assets | 0.5130% | 2,759 |
| Noninterest expense to average assets | 2.1811% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6519% | 4,277 |
| Return on assets (ROA) | 0.2775% | 5,032 |
| Pretax return on assets | 0.3253% | 5,025 |
| Return on Equity (ROE) | 3.0998% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.0998% | 3,842 |
| Net charge-offs to loans | 0.1067% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 22.5424% | 1,895 |
| Efficiency ratio | 74.0133% | 1,626 |
| Assets per employee ($millions) | 5.9045% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,616 |
| Loan loss allowance to noncurrent loans | 235.1351% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7650% | 1,827 |
| Noncurrent loans to loans | 0.5976% | 2,490 |
| Net loans and leases to total assets | 34.4632% | 5,108 |
| Net loans and leases to deposits | 38.0157% | 5,153 |
| Net loans and leases to core deposits | 38.6296% | 5,178 |
| Total domestic deposits to total assets | 90.6551% | 281 |
| Equity capital to assets | 9.2580% | 4,361 |
| Core capital (leverage) ratio | 10.0881% | 3,478 |
| Tier 1 risk-based capital ratio | 20.4578% | 1,233 |
| Total risk-based capital ratio | 21.4758% | 1,245 |
| Memoranda: | ||
| Average total assets | $173,676,000 | 3,129 |
| Average earning assets | $158,607,600 | 3,155 |
| Average equity | $15,549,200 | 3,570 |
| Average total loans | $55,285,000 | 4,202 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8434% | 5,342 |
| Cost of funding earning assets | 0.1904% | 5,050 |
| Net interest margin | 2.6530% | 5,193 |
| Noninterest income to average assets | 0.4513% | 3,160 |
| Noninterest expense to average assets | 2.1773% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4092% | 4,937 |
| Return on assets (ROA) | -0.0571% | 5,317 |
| Pretax return on assets | 0.1026% | 5,252 |
| Return on Equity (ROE) | -0.6433% | 5,322 |
| Retained earnings to average equity (ytd only) | -0.6433% | 5,109 |
| Net charge-offs to loans | -0.0099% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8602% | 1,368 |
| Assets per employee ($millions) | 5.7283% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 969 |
| Loan loss allowance to noncurrent loans | 265.8120% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 1,918 |
| Noncurrent loans to loans | 0.6196% | 2,537 |
| Net loans and leases to total assets | 32.4223% | 5,236 |
| Net loans and leases to deposits | 35.6374% | 5,278 |
| Net loans and leases to core deposits | 36.1637% | 5,295 |
| Total domestic deposits to total assets | 90.9781% | 228 |
| Equity capital to assets | 8.8305% | 4,690 |
| Core capital (leverage) ratio | 10.2065% | 3,401 |
| Tier 1 risk-based capital ratio | 21.6162% | 1,102 |
| Total risk-based capital ratio | 22.8077% | 1,087 |
| Memoranda: | ||
| Average total assets | $172,811,500 | 3,167 |
| Average earning assets | $157,554,250 | 3,192 |
| Average equity | $15,336,750 | 3,617 |
| Average total loans | $53,627,250 | 4,279 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7750% | 5,414 |
| Cost of funding earning assets | 0.1808% | 5,107 |
| Net interest margin | 2.5941% | 5,281 |
| Noninterest income to average assets | 0.4829% | 2,958 |
| Noninterest expense to average assets | 2.1717% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4771% | 4,802 |
| Return on assets (ROA) | -0.3939% | 5,421 |
| Pretax return on assets | -0.2068% | 5,393 |
| Return on Equity (ROE) | -4.4313% | 5,431 |
| Retained earnings to average equity (ytd only) | -4.4313% | 5,263 |
| Net charge-offs to loans | 0.0038% | 3,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 575.0000% | 155 |
| Efficiency ratio | 76.5784% | 1,360 |
| Assets per employee ($millions) | 5.4665% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 856 |
| Loan loss allowance to noncurrent loans | 248.7936% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 1,866 |
| Noncurrent loans to loans | 0.6958% | 2,367 |
| Net loans and leases to total assets | 31.0860% | 5,305 |
| Net loans and leases to deposits | 34.2287% | 5,346 |
| Net loans and leases to core deposits | 34.7397% | 5,360 |
| Total domestic deposits to total assets | 90.8186% | 299 |
| Equity capital to assets | 8.9578% | 4,596 |
| Core capital (leverage) ratio | 9.3482% | 4,302 |
| Tier 1 risk-based capital ratio | 28.7370% | 531 |
| Total risk-based capital ratio | 29.9912% | 524 |
| Memoranda: | ||
| Average total assets | $173,132,670 | 3,176 |
| Average earning assets | $157,046,670 | 3,209 |
| Average equity | $15,390,670 | 3,630 |
| Average total loans | $52,619,670 | 4,333 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6200% | 5,504 |
| Cost of funding earning assets | 0.1727% | 5,149 |
| Net interest margin | 2.4473% | 5,426 |
| Noninterest income to average assets | 0.4755% | 2,965 |
| Noninterest expense to average assets | 2.1855% | 4,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5258% | 4,633 |
| Return on assets (ROA) | -1.1979% | 5,546 |
| Pretax return on assets | -1.1979% | 5,546 |
| Return on Equity (ROE) | -13.5261% | 5,552 |
| Retained earnings to average equity (ytd only) | -13.5261% | 5,432 |
| Net charge-offs to loans | 0.2379% | 641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 7.4194% | 2,091 |
| Efficiency ratio | 80.6071% | 1,078 |
| Assets per employee ($millions) | 5.6472% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 843 |
| Loan loss allowance to noncurrent loans | 115.7216% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 1,612 |
| Noncurrent loans to loans | 1.5229% | 1,155 |
| Net loans and leases to total assets | 27.7013% | 5,414 |
| Net loans and leases to deposits | 30.2729% | 5,445 |
| Net loans and leases to core deposits | 30.7331% | 5,452 |
| Total domestic deposits to total assets | 91.5052% | 184 |
| Equity capital to assets | 8.3316% | 5,090 |
| Core capital (leverage) ratio | 9.4894% | 4,079 |
| Tier 1 risk-based capital ratio | 26.5680% | 639 |
| Total risk-based capital ratio | 27.8204% | 632 |
| Memoranda: | ||
| Average total assets | $174,968,000 | 3,191 |
| Average earning assets | $159,848,000 | 3,222 |
| Average equity | $15,496,000 | 3,644 |
| Average total loans | $52,126,000 | 4,392 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5813% | 5,531 |
| Cost of funding earning assets | 0.1453% | 5,286 |
| Net interest margin | 2.4360% | 5,442 |
| Noninterest income to average assets | 0.3940% | 3,675 |
| Noninterest expense to average assets | 2.1699% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2992% | 4,929 |
| Return on assets (ROA) | 0.2776% | 4,985 |
| Pretax return on assets | 0.3883% | 5,104 |
| Return on Equity (ROE) | 3.0842% | 4,802 |
| Retained earnings to average equity (ytd only) | 3.0842% | 3,453 |
| Net charge-offs to loans | 0.0504% | 2,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 29.8000% | 1,555 |
| Efficiency ratio | 83.8254% | 784 |
| Assets per employee ($millions) | 5.2883% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 866 |
| Loan loss allowance to noncurrent loans | 1,162.5000% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 2,444 |
| Noncurrent loans to loans | 0.1501% | 4,323 |
| Net loans and leases to total assets | 30.9438% | 5,420 |
| Net loans and leases to deposits | 34.4380% | 5,455 |
| Net loans and leases to core deposits | 35.1068% | 5,473 |
| Total domestic deposits to total assets | 89.8538% | 621 |
| Equity capital to assets | 9.4170% | 4,309 |
| Core capital (leverage) ratio | 9.5154% | 4,028 |
| Tier 1 risk-based capital ratio | 19.1006% | 1,487 |
| Total risk-based capital ratio | 20.1454% | 1,494 |
| Memoranda: | ||
| Average total assets | $177,936,200 | 3,145 |
| Average earning assets | $160,304,800 | 3,196 |
| Average equity | $16,017,000 | 3,592 |
| Average total loans | $49,558,800 | 4,470 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4355% | 5,635 |
| Cost of funding earning assets | 0.1469% | 5,330 |
| Net interest margin | 2.2886% | 5,574 |
| Noninterest income to average assets | 0.3706% | 3,872 |
| Noninterest expense to average assets | 2.0111% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4151% | 4,969 |
| Return on assets (ROA) | 0.4196% | 4,986 |
| Pretax return on assets | 0.4196% | 5,157 |
| Return on Equity (ROE) | 4.7056% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.7056% | 3,075 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8903% | 849 |
| Assets per employee ($millions) | 5.5686% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 691 |
| Loan loss allowance to noncurrent loans | 425.4464% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 4,617 |
| Noncurrent loans to loans | 0.4480% | 3,361 |
| Net loans and leases to total assets | 27.5255% | 5,543 |
| Net loans and leases to deposits | 30.3956% | 5,580 |
| Net loans and leases to core deposits | 31.0089% | 5,585 |
| Total domestic deposits to total assets | 90.5575% | 310 |
| Equity capital to assets | 9.3796% | 4,563 |
| Core capital (leverage) ratio | 9.4778% | 4,195 |
| Tier 1 risk-based capital ratio | 19.2721% | 1,528 |
| Total risk-based capital ratio | 20.3935% | 1,514 |
| Memoranda: | ||
| Average total assets | $179,867,500 | 3,140 |
| Average earning assets | $161,553,000 | 3,209 |
| Average equity | $16,037,250 | 3,623 |
| Average total loans | $48,624,750 | 4,538 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3717% | 5,690 |
| Cost of funding earning assets | 0.1328% | 5,434 |
| Net interest margin | 2.2389% | 5,635 |
| Noninterest income to average assets | 0.3957% | 3,718 |
| Noninterest expense to average assets | 2.0297% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3846% | 5,011 |
| Return on assets (ROA) | 0.7726% | 3,584 |
| Pretax return on assets | 0.7726% | 4,362 |
| Return on Equity (ROE) | 8.8163% | 2,596 |
| Retained earnings to average equity (ytd only) | 8.8163% | 895 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0680% | 837 |
| Assets per employee ($millions) | 5.5642% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 602 |
| Loan loss allowance to noncurrent loans | 835.9649% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 2,717 |
| Noncurrent loans to loans | 0.2392% | 4,171 |
| Net loans and leases to total assets | 26.2290% | 5,606 |
| Net loans and leases to deposits | 28.8202% | 5,647 |
| Net loans and leases to core deposits | 29.3986% | 5,651 |
| Total domestic deposits to total assets | 91.0090% | 222 |
| Equity capital to assets | 8.9096% | 4,978 |
| Core capital (leverage) ratio | 8.9875% | 4,742 |
| Tier 1 risk-based capital ratio | 19.8600% | 1,391 |
| Total risk-based capital ratio | 21.0221% | 1,384 |
| Memoranda: | ||
| Average total assets | $180,425,000 | 3,150 |
| Average earning assets | $162,665,670 | 3,206 |
| Average equity | $15,811,670 | 3,660 |
| Average total loans | $48,165,670 | 4,574 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3574% | 5,755 |
| Cost of funding earning assets | 0.1256% | 5,527 |
| Net interest margin | 2.2318% | 5,686 |
| Noninterest income to average assets | 0.4912% | 3,035 |
| Noninterest expense to average assets | 2.1012% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4251% | 4,872 |
| Return on assets (ROA) | 0.4383% | 4,848 |
| Pretax return on assets | 0.4383% | 5,082 |
| Return on Equity (ROE) | 5.0426% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.0426% | 2,864 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1735% | 1,047 |
| Assets per employee ($millions) | 5.8314% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 610 |
| Loan loss allowance to noncurrent loans | 433.6364% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 1.0509% | 1,723 |
| Noncurrent loans to loans | 0.4727% | 3,397 |
| Net loans and leases to total assets | 24.4309% | 5,692 |
| Net loans and leases to deposits | 26.7483% | 5,716 |
| Net loans and leases to core deposits | 27.1257% | 5,720 |
| Total domestic deposits to total assets | 91.3362% | 201 |
| Equity capital to assets | 8.5963% | 5,161 |
| Core capital (leverage) ratio | 9.6475% | 3,932 |
| Tier 1 risk-based capital ratio | 20.6677% | 1,271 |
| Total risk-based capital ratio | 21.8114% | 1,264 |
| Memoranda: | ||
| Average total assets | $181,610,000 | 3,169 |
| Average earning assets | $165,605,000 | 3,197 |
| Average equity | $15,785,500 | 3,688 |
| Average total loans | $48,421,000 | 4,610 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3130% | 5,802 |
| Cost of funding earning assets | 0.1284% | 5,562 |
| Net interest margin | 2.1846% | 5,757 |
| Noninterest income to average assets | 0.5531% | 2,897 |
| Noninterest expense to average assets | 2.2344% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2447% | 5,326 |
| Return on assets (ROA) | 0.2466% | 5,398 |
| Pretax return on assets | 0.2794% | 5,389 |
| Return on Equity (ROE) | 2.6879% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.6879% | 3,992 |
| Net charge-offs to loans | 0.0655% | 2,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.3438% | 2,209 |
| Efficiency ratio | 88.9663% | 617 |
| Assets per employee ($millions) | 5.3520% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 810 |
| Loan loss allowance to noncurrent loans | 829.5652% | 700 |
| Noncurrent assets plus other real estate owned to assets | 1.0933% | 1,712 |
| Noncurrent loans to loans | 0.2286% | 4,328 |
| Net loans and leases to total assets | 27.9391% | 5,683 |
| Net loans and leases to deposits | 30.6567% | 5,730 |
| Net loans and leases to core deposits | 31.0233% | 5,743 |
| Total domestic deposits to total assets | 91.1356% | 238 |
| Equity capital to assets | 8.7931% | 5,021 |
| Core capital (leverage) ratio | 9.4420% | 4,168 |
| Tier 1 risk-based capital ratio | 19.1635% | 1,553 |
| Total risk-based capital ratio | 20.2709% | 1,557 |
| Memoranda: | ||
| Average total assets | $177,181,800 | 3,192 |
| Average earning assets | $158,842,600 | 3,256 |
| Average equity | $16,258,200 | 3,657 |
| Average total loans | $48,828,600 | 4,604 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3163% | 5,868 |
| Cost of funding earning assets | 0.1296% | 5,619 |
| Net interest margin | 2.1866% | 5,823 |
| Noninterest income to average assets | 0.4481% | 3,573 |
| Noninterest expense to average assets | 2.1362% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2008% | 5,461 |
| Return on assets (ROA) | 0.2008% | 5,525 |
| Pretax return on assets | 0.2654% | 5,494 |
| Return on Equity (ROE) | 2.1654% | 5,442 |
| Retained earnings to average equity (ytd only) | 2.1654% | 4,611 |
| Net charge-offs to loans | 0.0881% | 2,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.0300% | 2,534 |
| Efficiency ratio | 88.9480% | 618 |
| Assets per employee ($millions) | 5.4803% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0317% | 688 |
| Loan loss allowance to noncurrent loans | 545.1429% | 982 |
| Noncurrent assets plus other real estate owned to assets | 1.1009% | 1,846 |
| Noncurrent loans to loans | 0.3727% | 3,931 |
| Net loans and leases to total assets | 25.4360% | 5,805 |
| Net loans and leases to deposits | 28.0284% | 5,832 |
| Net loans and leases to core deposits | 28.2608% | 5,841 |
| Total domestic deposits to total assets | 90.7509% | 257 |
| Equity capital to assets | 9.1750% | 4,998 |
| Core capital (leverage) ratio | 9.4956% | 4,190 |
| Tier 1 risk-based capital ratio | 24.8600% | 828 |
| Total risk-based capital ratio | 26.1124% | 810 |
| Memoranda: | ||
| Average total assets | $177,323,250 | 3,209 |
| Average earning assets | $158,412,000 | 3,279 |
| Average equity | $16,440,250 | 3,668 |
| Average total loans | $48,461,000 | 4,659 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3770% | 5,938 |
| Cost of funding earning assets | 0.1326% | 5,670 |
| Net interest margin | 2.2443% | 5,881 |
| Noninterest income to average assets | 0.4417% | 3,580 |
| Noninterest expense to average assets | 2.0630% | 5,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3100% | 5,295 |
| Return on assets (ROA) | 0.3100% | 5,385 |
| Pretax return on assets | 0.3770% | 5,376 |
| Return on Equity (ROE) | 3.3314% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.3314% | 3,775 |
| Net charge-offs to loans | 0.0368% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 36.8889% | 1,215 |
| Efficiency ratio | 84.5510% | 1,002 |
| Assets per employee ($millions) | 5.2748% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0237% | 702 |
| Loan loss allowance to noncurrent loans | 297.5610% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2317% | 1,666 |
| Noncurrent loans to loans | 0.6801% | 3,031 |
| Net loans and leases to total assets | 27.1457% | 5,847 |
| Net loans and leases to deposits | 30.0882% | 5,882 |
| Net loans and leases to core deposits | 30.3489% | 5,889 |
| Total domestic deposits to total assets | 90.2205% | 404 |
| Equity capital to assets | 9.6836% | 4,568 |
| Core capital (leverage) ratio | 9.1391% | 4,676 |
| Tier 1 risk-based capital ratio | 24.7892% | 831 |
| Total risk-based capital ratio | 26.0420% | 820 |
| Memoranda: | ||
| Average total assets | $176,147,670 | 3,240 |
| Average earning assets | $156,839,000 | 3,314 |
| Average equity | $16,389,330 | 3,683 |
| Average total loans | $48,963,000 | 4,681 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2844% | 6,023 |
| Cost of funding earning assets | 0.1280% | 5,766 |
| Net interest margin | 2.1564% | 5,978 |
| Noninterest income to average assets | 0.4696% | 3,344 |
| Noninterest expense to average assets | 2.1988% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1400% | 5,623 |
| Return on assets (ROA) | 0.1400% | 5,676 |
| Pretax return on assets | 0.2099% | 5,633 |
| Return on Equity (ROE) | 1.5350% | 5,607 |
| Retained earnings to average equity (ytd only) | 1.5350% | 4,654 |
| Net charge-offs to loans | -0.0162% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2840% | 592 |
| Assets per employee ($millions) | 5.4878% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0797% | 714 |
| Loan loss allowance to noncurrent loans | 55.6684% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.9818% | 883 |
| Noncurrent loans to loans | 3.7359% | 344 |
| Net loans and leases to total assets | 25.6608% | 5,923 |
| Net loans and leases to deposits | 28.2365% | 5,949 |
| Net loans and leases to core deposits | 28.5494% | 5,958 |
| Total domestic deposits to total assets | 90.8784% | 305 |
| Equity capital to assets | 9.0189% | 5,152 |
| Core capital (leverage) ratio | 9.3123% | 4,476 |
| Tier 1 risk-based capital ratio | 25.0271% | 807 |
| Total risk-based capital ratio | 26.2807% | 792 |
| Memoranda: | ||
| Average total assets | $177,187,500 | 3,227 |
| Average earning assets | $159,339,000 | 3,295 |
| Average equity | $16,156,000 | 3,706 |
| Average total loans | $49,330,500 | 4,698 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2576% | 6,062 |
| Cost of funding earning assets | 0.1244% | 5,859 |
| Net interest margin | 2.1331% | 6,012 |
| Noninterest income to average assets | 0.5732% | 2,879 |
| Noninterest expense to average assets | 2.1711% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2932% | 5,381 |
| Return on assets (ROA) | 0.2932% | 5,461 |
| Pretax return on assets | 0.3202% | 5,479 |
| Return on Equity (ROE) | 3.2169% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.2169% | 3,767 |
| Net charge-offs to loans | -0.1140% | 5,815 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1488% | 896 |
| Assets per employee ($millions) | 5.2508% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9237% | 914 |
| Loan loss allowance to noncurrent loans | 1,026.0417% | 586 |
| Noncurrent assets plus other real estate owned to assets | 1.1034% | 1,988 |
| Noncurrent loans to loans | 0.1875% | 4,734 |
| Net loans and leases to total assets | 28.9812% | 5,917 |
| Net loans and leases to deposits | 32.0863% | 5,967 |
| Net loans and leases to core deposits | 32.5233% | 5,982 |
| Total domestic deposits to total assets | 90.3225% | 494 |
| Equity capital to assets | 9.2216% | 4,879 |
| Core capital (leverage) ratio | 9.2179% | 4,585 |
| Tier 1 risk-based capital ratio | 23.1053% | 1,005 |
| Total risk-based capital ratio | 24.3577% | 991 |
| Memoranda: | ||
| Average total assets | $174,292,600 | 3,242 |
| Average earning assets | $156,717,000 | 3,303 |
| Average equity | $15,884,800 | 3,693 |
| Average total loans | $48,228,600 | 4,720 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2091% | 6,167 |
| Cost of funding earning assets | 0.1237% | 5,956 |
| Net interest margin | 2.0854% | 6,105 |
| Noninterest income to average assets | 0.4904% | 3,434 |
| Noninterest expense to average assets | 1.9883% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3453% | 5,327 |
| Return on assets (ROA) | 0.3453% | 5,416 |
| Pretax return on assets | 0.3827% | 5,498 |
| Return on Equity (ROE) | 3.7995% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.7995% | 3,764 |
| Net charge-offs to loans | -0.1404% | 5,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8595% | 1,192 |
| Assets per employee ($millions) | 5.2478% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9779% | 943 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 2,245 |
| Noncurrent loans to loans | 0.0202% | 5,553 |
| Net loans and leases to total assets | 28.0450% | 6,025 |
| Net loans and leases to deposits | 30.9652% | 6,064 |
| Net loans and leases to core deposits | 31.4531% | 6,079 |
| Total domestic deposits to total assets | 90.5693% | 371 |
| Equity capital to assets | 9.3643% | 4,925 |
| Core capital (leverage) ratio | 9.4251% | 4,392 |
| Tier 1 risk-based capital ratio | 23.7166% | 976 |
| Total risk-based capital ratio | 24.9696% | 963 |
| Memoranda: | ||
| Average total assets | $174,546,250 | 3,261 |
| Average earning assets | $157,408,500 | 3,325 |
| Average equity | $15,861,250 | 3,734 |
| Average total loans | $47,485,000 | 4,797 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1944% | 6,241 |
| Cost of funding earning assets | 0.1237% | 6,022 |
| Net interest margin | 2.0707% | 6,183 |
| Noninterest income to average assets | 0.4994% | 3,383 |
| Noninterest expense to average assets | 2.0080% | 5,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3097% | 5,415 |
| Return on assets (ROA) | 0.3097% | 5,512 |
| Pretax return on assets | 0.3474% | 5,579 |
| Return on Equity (ROE) | 3.4429% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.4429% | 3,855 |
| Net charge-offs to loans | -0.0214% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2499% | 1,123 |
| Assets per employee ($millions) | 5.2575% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 1,093 |
| Loan loss allowance to noncurrent loans | 477.0408% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 2,188 |
| Noncurrent loans to loans | 0.4063% | 4,260 |
| Net loans and leases to total assets | 27.2682% | 6,110 |
| Net loans and leases to deposits | 30.0392% | 6,144 |
| Net loans and leases to core deposits | 30.5104% | 6,151 |
| Total domestic deposits to total assets | 90.7752% | 366 |
| Equity capital to assets | 9.1436% | 5,090 |
| Core capital (leverage) ratio | 8.9605% | 5,022 |
| Tier 1 risk-based capital ratio | 23.8673% | 969 |
| Total risk-based capital ratio | 25.1187% | 956 |
| Memoranda: | ||
| Average total assets | $175,002,000 | 3,282 |
| Average earning assets | $156,855,670 | 3,348 |
| Average equity | $15,742,670 | 3,766 |
| Average total loans | $46,797,330 | 4,862 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1450% | 6,320 |
| Cost of funding earning assets | 0.1263% | 6,085 |
| Net interest margin | 2.0187% | 6,268 |
| Noninterest income to average assets | 0.4825% | 3,403 |
| Noninterest expense to average assets | 1.9459% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3095% | 5,380 |
| Return on assets (ROA) | 0.3095% | 5,483 |
| Pretax return on assets | 0.3550% | 5,530 |
| Return on Equity (ROE) | 3.4689% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.4689% | 3,917 |
| Net charge-offs to loans | -0.0608% | 5,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5697% | 1,310 |
| Assets per employee ($millions) | 5.5388% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1330% | 875 |
| Loan loss allowance to noncurrent loans | 4,073.9130% | 164 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 2,613 |
| Noncurrent loans to loans | 0.0524% | 5,569 |
| Net loans and leases to total assets | 23.5205% | 6,221 |
| Net loans and leases to deposits | 25.7859% | 6,253 |
| Net loans and leases to core deposits | 26.2032% | 6,256 |
| Total domestic deposits to total assets | 91.2146% | 291 |
| Equity capital to assets | 8.6989% | 5,575 |
| Core capital (leverage) ratio | 9.0307% | 4,915 |
| Tier 1 risk-based capital ratio | 24.6378% | 921 |
| Total risk-based capital ratio | 25.8904% | 906 |
| Memoranda: | ||
| Average total assets | $175,753,500 | 3,293 |
| Average earning assets | $158,318,000 | 3,346 |
| Average equity | $15,682,000 | 3,800 |
| Average total loans | $46,073,500 | 4,915 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1616% | 6,405 |
| Cost of funding earning assets | 0.1344% | 6,178 |
| Net interest margin | 2.0272% | 6,364 |
| Noninterest income to average assets | 0.5289% | 3,299 |
| Noninterest expense to average assets | 2.1048% | 5,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2123% | 5,741 |
| Return on assets (ROA) | 0.2156% | 5,796 |
| Pretax return on assets | 0.2590% | 5,776 |
| Return on Equity (ROE) | 2.4267% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.4267% | 4,507 |
| Net charge-offs to loans | -0.0909% | 6,090 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1965% | 896 |
| Assets per employee ($millions) | 5.1129% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 1,245 |
| Loan loss allowance to noncurrent loans | 122.8534% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.5250% | 1,786 |
| Noncurrent loans to loans | 1.5699% | 1,862 |
| Net loans and leases to total assets | 28.0271% | 6,236 |
| Net loans and leases to deposits | 31.1477% | 6,276 |
| Net loans and leases to core deposits | 31.7016% | 6,283 |
| Total domestic deposits to total assets | 89.9814% | 738 |
| Equity capital to assets | 9.1652% | 5,113 |
| Core capital (leverage) ratio | 9.0756% | 4,863 |
| Tier 1 risk-based capital ratio | 22.3785% | 1,166 |
| Total risk-based capital ratio | 23.6297% | 1,151 |
| Memoranda: | ||
| Average total assets | $172,986,200 | 3,292 |
| Average earning assets | $156,227,600 | 3,336 |
| Average equity | $15,370,800 | 3,767 |
| Average total loans | $46,195,800 | 4,944 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1220% | 6,491 |
| Cost of funding earning assets | 0.1341% | 6,267 |
| Net interest margin | 1.9879% | 6,452 |
| Noninterest income to average assets | 0.4635% | 3,784 |
| Noninterest expense to average assets | 1.9917% | 5,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2359% | 5,763 |
| Return on assets (ROA) | 0.2359% | 5,822 |
| Pretax return on assets | 0.2666% | 5,832 |
| Return on Equity (ROE) | 2.6757% | 5,664 |
| Retained earnings to average equity (ytd only) | 2.6757% | 4,693 |
| Net charge-offs to loans | -0.1605% | 6,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1954% | 982 |
| Assets per employee ($millions) | 5.2522% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9583% | 1,333 |
| Loan loss allowance to noncurrent loans | 650.3448% | 803 |
| Noncurrent assets plus other real estate owned to assets | 1.1314% | 2,691 |
| Noncurrent loans to loans | 0.3011% | 5,002 |
| Net loans and leases to total assets | 27.2382% | 6,332 |
| Net loans and leases to deposits | 30.3305% | 6,365 |
| Net loans and leases to core deposits | 30.9087% | 6,377 |
| Total domestic deposits to total assets | 89.8046% | 817 |
| Equity capital to assets | 8.9850% | 5,369 |
| Core capital (leverage) ratio | 9.0655% | 4,974 |
| Tier 1 risk-based capital ratio | 21.8560% | 1,286 |
| Total risk-based capital ratio | 23.1057% | 1,267 |
| Memoranda: | ||
| Average total assets | $174,051,250 | 3,304 |
| Average earning assets | $157,143,250 | 3,346 |
| Average equity | $15,347,500 | 3,795 |
| Average total loans | $45,690,000 | 5,013 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0613% | 6,565 |
| Cost of funding earning assets | 0.1344% | 6,337 |
| Net interest margin | 1.9269% | 6,538 |
| Noninterest income to average assets | 0.4601% | 3,788 |
| Noninterest expense to average assets | 1.9656% | 5,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2008% | 5,836 |
| Return on assets (ROA) | 0.2008% | 5,893 |
| Pretax return on assets | 0.2387% | 5,896 |
| Return on Equity (ROE) | 2.2917% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.2917% | 4,741 |
| Net charge-offs to loans | -0.1025% | 6,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1723% | 977 |
| Assets per employee ($millions) | 5.2356% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 1,335 |
| Loan loss allowance to noncurrent loans | 2,760.6061% | 212 |
| Noncurrent assets plus other real estate owned to assets | 1.0789% | 2,907 |
| Noncurrent loans to loans | 0.0730% | 5,805 |
| Net loans and leases to total assets | 25.6453% | 6,422 |
| Net loans and leases to deposits | 28.1939% | 6,456 |
| Net loans and leases to core deposits | 28.7258% | 6,465 |
| Total domestic deposits to total assets | 90.9606% | 424 |
| Equity capital to assets | 8.9613% | 5,342 |
| Core capital (leverage) ratio | 8.5284% | 5,608 |
| Tier 1 risk-based capital ratio | 23.0078% | 1,107 |
| Total risk-based capital ratio | 24.2598% | 1,092 |
| Memoranda: | ||
| Average total assets | $174,294,000 | 3,316 |
| Average earning assets | $157,763,000 | 3,353 |
| Average equity | $15,272,330 | 3,807 |
| Average total loans | $44,869,000 | 5,082 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9920% | 6,647 |
| Cost of funding earning assets | 0.1315% | 6,438 |
| Net interest margin | 1.8606% | 6,618 |
| Noninterest income to average assets | 0.4776% | 3,581 |
| Noninterest expense to average assets | 1.9263% | 6,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2079% | 5,777 |
| Return on assets (ROA) | 0.2079% | 5,831 |
| Pretax return on assets | 0.2331% | 5,863 |
| Return on Equity (ROE) | 2.3999% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.3999% | 4,635 |
| Net charge-offs to loans | -0.1163% | 6,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2063% | 1,103 |
| Assets per employee ($millions) | 5.6504% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 1,236 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 323 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 3,204 |
| Noncurrent loans to loans | 0.1217% | 5,750 |
| Net loans and leases to total assets | 21.9930% | 6,540 |
| Net loans and leases to deposits | 23.9708% | 6,577 |
| Net loans and leases to core deposits | 24.1854% | 6,581 |
| Total domestic deposits to total assets | 91.7491% | 315 |
| Equity capital to assets | 8.1898% | 5,911 |
| Core capital (leverage) ratio | 8.8362% | 5,216 |
| Tier 1 risk-based capital ratio | 23.9047% | 1,012 |
| Total risk-based capital ratio | 25.1565% | 996 |
| Memoranda: | ||
| Average total assets | $175,053,000 | 3,334 |
| Average earning assets | $158,231,500 | 3,374 |
| Average equity | $15,167,000 | 3,835 |
| Average total loans | $44,693,500 | 5,133 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2218% | 6,683 |
| Cost of funding earning assets | 0.1642% | 6,476 |
| Net interest margin | 2.0576% | 6,638 |
| Noninterest income to average assets | 0.5658% | 3,294 |
| Noninterest expense to average assets | 2.1527% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2771% | 5,599 |
| Return on assets (ROA) | 0.2899% | 5,653 |
| Pretax return on assets | 0.2195% | 5,902 |
| Return on Equity (ROE) | 3.2073% | 5,428 |
| Retained earnings to average equity (ytd only) | 3.2073% | 3,950 |
| Net charge-offs to loans | 0.0573% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 13.6400% | 2,003 |
| Efficiency ratio | 91.2362% | 930 |
| Assets per employee ($millions) | 4.8130% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8704% | 1,854 |
| Loan loss allowance to noncurrent loans | 2,276.9231% | 264 |
| Noncurrent assets plus other real estate owned to assets | 1.1605% | 3,075 |
| Noncurrent loans to loans | 0.0821% | 5,969 |
| Net loans and leases to total assets | 28.4701% | 6,508 |
| Net loans and leases to deposits | 31.6669% | 6,548 |
| Net loans and leases to core deposits | 32.0629% | 6,560 |
| Total domestic deposits to total assets | 89.9048% | 1,128 |
| Equity capital to assets | 9.2048% | 4,798 |
| Core capital (leverage) ratio | 9.0882% | 4,879 |
| Tier 1 risk-based capital ratio | 22.0536% | 1,247 |
| Total risk-based capital ratio | 23.3039% | 1,221 |
| Memoranda: | ||
| Average total assets | $164,912,200 | 3,490 |
| Average earning assets | $143,757,000 | 3,607 |
| Average equity | $14,903,600 | 3,888 |
| Average total loans | $43,620,800 | 5,210 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1952% | 6,770 |
| Cost of funding earning assets | 0.1689% | 6,559 |
| Net interest margin | 2.0263% | 6,721 |
| Noninterest income to average assets | 0.4947% | 3,852 |
| Noninterest expense to average assets | 2.0190% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2297% | 5,839 |
| Return on assets (ROA) | 0.2461% | 5,877 |
| Pretax return on assets | 0.2542% | 5,966 |
| Return on Equity (ROE) | 2.7359% | 5,697 |
| Retained earnings to average equity (ytd only) | 2.7359% | 4,681 |
| Net charge-offs to loans | -0.0031% | 5,722 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4850% | 1,040 |
| Assets per employee ($millions) | 4.9181% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 1,761 |
| Loan loss allowance to noncurrent loans | 2,031.1111% | 263 |
| Noncurrent assets plus other real estate owned to assets | 1.1393% | 3,376 |
| Noncurrent loans to loans | 0.0977% | 6,043 |
| Net loans and leases to total assets | 27.0048% | 6,628 |
| Net loans and leases to deposits | 29.6523% | 6,671 |
| Net loans and leases to core deposits | 30.0102% | 6,684 |
| Total domestic deposits to total assets | 91.0714% | 501 |
| Equity capital to assets | 8.8778% | 5,321 |
| Core capital (leverage) ratio | 9.2568% | 4,745 |
| Tier 1 risk-based capital ratio | 22.5047% | 1,220 |
| Total risk-based capital ratio | 23.7565% | 1,205 |
| Memoranda: | ||
| Average total assets | $165,229,750 | 3,521 |
| Average earning assets | $143,642,000 | 3,642 |
| Average equity | $14,863,750 | 3,939 |
| Average total loans | $42,656,750 | 5,290 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1821% | 6,819 |
| Cost of funding earning assets | 0.1773% | 6,583 |
| Net interest margin | 2.0048% | 6,763 |
| Noninterest income to average assets | 0.5116% | 3,761 |
| Noninterest expense to average assets | 2.0271% | 5,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1907% | 5,929 |
| Return on assets (ROA) | 0.2115% | 5,995 |
| Pretax return on assets | 0.2236% | 6,044 |
| Return on Equity (ROE) | 2.3403% | 5,851 |
| Retained earnings to average equity (ytd only) | 2.3403% | 4,803 |
| Net charge-offs to loans | -0.2168% | 6,686 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9487% | 988 |
| Assets per employee ($millions) | 4.7422% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2922% | 1,272 |
| Loan loss allowance to noncurrent loans | 167.7758% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.4804% | 2,883 |
| Noncurrent loans to loans | 1.3662% | 3,271 |
| Net loans and leases to total assets | 25.3269% | 6,701 |
| Net loans and leases to deposits | 27.8353% | 6,740 |
| Net loans and leases to core deposits | 28.0868% | 6,749 |
| Total domestic deposits to total assets | 90.9884% | 545 |
| Equity capital to assets | 8.9366% | 5,284 |
| Core capital (leverage) ratio | 8.8836% | 5,169 |
| Tier 1 risk-based capital ratio | 23.3532% | 1,080 |
| Total risk-based capital ratio | 24.6069% | 1,065 |
| Memoranda: | ||
| Average total assets | $164,568,000 | 3,549 |
| Average earning assets | $140,964,670 | 3,711 |
| Average equity | $14,870,000 | 3,971 |
| Average total loans | $41,519,000 | 5,354 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1814% | 6,897 |
| Cost of funding earning assets | 0.1841% | 6,652 |
| Net interest margin | 1.9972% | 6,842 |
| Noninterest income to average assets | 0.4837% | 3,896 |
| Noninterest expense to average assets | 1.9731% | 6,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1949% | 5,912 |
| Return on assets (ROA) | 0.1949% | 6,021 |
| Pretax return on assets | 0.2069% | 6,065 |
| Return on Equity (ROE) | 2.1456% | 5,892 |
| Retained earnings to average equity (ytd only) | 2.1456% | 4,928 |
| Net charge-offs to loans | -0.1063% | 6,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5077% | 1,099 |
| Assets per employee ($millions) | 4.9386% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3507% | 1,333 |
| Loan loss allowance to noncurrent loans | 952.5773% | 496 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 3,545 |
| Noncurrent loans to loans | 0.2468% | 5,794 |
| Net loans and leases to total assets | 22.2057% | 6,816 |
| Net loans and leases to deposits | 24.3516% | 6,852 |
| Net loans and leases to core deposits | 24.5562% | 6,858 |
| Total domestic deposits to total assets | 91.1878% | 448 |
| Equity capital to assets | 8.7341% | 5,781 |
| Core capital (leverage) ratio | 9.0087% | 4,868 |
| Tier 1 risk-based capital ratio | 25.2687% | 862 |
| Total risk-based capital ratio | 26.5227% | 845 |
| Memoranda: | ||
| Average total assets | $166,234,000 | 3,559 |
| Average earning assets | $141,194,500 | 3,745 |
| Average equity | $15,100,500 | 3,973 |
| Average total loans | $41,381,500 | 5,400 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4722% | 6,944 |
| Cost of funding earning assets | 0.2460% | 6,685 |
| Net interest margin | 2.2262% | 6,871 |
| Noninterest income to average assets | 0.6087% | 3,234 |
| Noninterest expense to average assets | 2.3401% | 5,591 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2357% | 5,681 |
| Return on assets (ROA) | 0.2345% | 5,882 |
| Pretax return on assets | 0.1131% | 6,134 |
| Return on Equity (ROE) | 2.4579% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.4579% | 4,509 |
| Net charge-offs to loans | -0.1016% | 6,828 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3404% | 732 |
| Assets per employee ($millions) | 3.8004% | 4,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1010% | 1,768 |
| Loan loss allowance to noncurrent loans | 231.7259% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 3,136 |
| Noncurrent loans to loans | 0.9067% | 4,372 |
| Net loans and leases to total assets | 26.6533% | 6,794 |
| Net loans and leases to deposits | 29.7350% | 6,835 |
| Net loans and leases to core deposits | 30.0099% | 6,845 |
| Total domestic deposits to total assets | 89.6364% | 1,167 |
| Equity capital to assets | 9.4627% | 4,921 |
| Core capital (leverage) ratio | 9.3338% | 4,357 |
| Tier 1 risk-based capital ratio | 24.9115% | 861 |
| Total risk-based capital ratio | 26.1648% | 854 |
| Memoranda: | ||
| Average total assets | $157,386,600 | 3,662 |
| Average earning assets | $130,488,800 | 3,883 |
| Average equity | $15,012,600 | 3,967 |
| Average total loans | $38,397,800 | 5,571 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4619% | 7,058 |
| Cost of funding earning assets | 0.2552% | 6,790 |
| Net interest margin | 2.2067% | 6,986 |
| Noninterest income to average assets | 0.5756% | 3,439 |
| Noninterest expense to average assets | 2.2487% | 5,818 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2499% | 5,783 |
| Return on assets (ROA) | 0.2499% | 5,973 |
| Pretax return on assets | 0.1717% | 6,167 |
| Return on Equity (ROE) | 2.6151% | 5,843 |
| Retained earnings to average equity (ytd only) | 2.6151% | 5,000 |
| Net charge-offs to loans | -0.1436% | 6,929 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9048% | 836 |
| Assets per employee ($millions) | 3.7302% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3128% | 1,493 |
| Loan loss allowance to noncurrent loans | 774.5763% | 535 |
| Noncurrent assets plus other real estate owned to assets | 1.3500% | 3,598 |
| Noncurrent loans to loans | 0.2986% | 5,896 |
| Net loans and leases to total assets | 24.6416% | 6,954 |
| Net loans and leases to deposits | 27.2973% | 6,992 |
| Net loans and leases to core deposits | 27.5525% | 6,997 |
| Total domestic deposits to total assets | 90.2713% | 692 |
| Equity capital to assets | 9.6802% | 4,948 |
| Core capital (leverage) ratio | 9.4868% | 4,290 |
| Tier 1 risk-based capital ratio | 26.4218% | 791 |
| Total risk-based capital ratio | 27.6767% | 771 |
| Memoranda: | ||
| Average total assets | $156,829,250 | 3,706 |
| Average earning assets | $131,114,750 | 3,913 |
| Average equity | $14,989,750 | 4,007 |
| Average total loans | $37,133,250 | 5,697 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4363% | 7,138 |
| Cost of funding earning assets | 0.2635% | 6,865 |
| Net interest margin | 2.1728% | 7,056 |
| Noninterest income to average assets | 0.5852% | 3,355 |
| Noninterest expense to average assets | 2.2106% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3238% | 5,526 |
| Return on assets (ROA) | 0.3238% | 5,733 |
| Pretax return on assets | 0.2040% | 6,141 |
| Return on Equity (ROE) | 3.4023% | 5,526 |
| Retained earnings to average equity (ytd only) | 3.4023% | 4,337 |
| Net charge-offs to loans | -0.1981% | 6,994 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5523% | 954 |
| Assets per employee ($millions) | 3.7035% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5002% | 1,282 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 407 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 3,753 |
| Noncurrent loans to loans | 0.2500% | 6,079 |
| Net loans and leases to total assets | 22.8146% | 7,051 |
| Net loans and leases to deposits | 25.2780% | 7,078 |
| Net loans and leases to core deposits | 25.4610% | 7,086 |
| Total domestic deposits to total assets | 90.2549% | 789 |
| Equity capital to assets | 9.6750% | 4,788 |
| Core capital (leverage) ratio | 9.1253% | 4,727 |
| Tier 1 risk-based capital ratio | 27.8241% | 654 |
| Total risk-based capital ratio | 29.0805% | 637 |
| Memoranda: | ||
| Average total assets | $156,882,330 | 3,719 |
| Average earning assets | $132,086,330 | 3,918 |
| Average equity | $14,931,000 | 4,006 |
| Average total loans | $36,337,670 | 5,771 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3948% | 7,195 |
| Cost of funding earning assets | 0.2728% | 6,932 |
| Net interest margin | 2.1221% | 7,125 |
| Noninterest income to average assets | 0.5687% | 3,437 |
| Noninterest expense to average assets | 2.0717% | 6,331 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5408% | 4,650 |
| Return on assets (ROA) | 0.5408% | 4,860 |
| Pretax return on assets | 0.2945% | 5,993 |
| Return on Equity (ROE) | 5.7289% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.7289% | 3,127 |
| Net charge-offs to loans | -0.1432% | 6,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5536% | 1,328 |
| Assets per employee ($millions) | 3.9555% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6118% | 1,208 |
| Loan loss allowance to noncurrent loans | 661.9403% | 543 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 3,999 |
| Noncurrent loans to loans | 0.3946% | 5,888 |
| Net loans and leases to total assets | 19.9086% | 7,142 |
| Net loans and leases to deposits | 21.8929% | 7,170 |
| Net loans and leases to core deposits | 22.0399% | 7,179 |
| Total domestic deposits to total assets | 90.9366% | 587 |
| Equity capital to assets | 9.0057% | 5,484 |
| Core capital (leverage) ratio | 9.4107% | 4,182 |
| Tier 1 risk-based capital ratio | 29.7137% | 534 |
| Total risk-based capital ratio | 30.9715% | 524 |
| Memoranda: | ||
| Average total assets | $157,551,000 | 3,731 |
| Average earning assets | $133,453,500 | 3,919 |
| Average equity | $14,872,000 | 4,018 |
| Average total loans | $36,308,000 | 5,807 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8189% | 7,219 |
| Cost of funding earning assets | 0.3931% | 6,907 |
| Net interest margin | 2.4258% | 7,090 |
| Noninterest income to average assets | 0.6729% | 2,766 |
| Noninterest expense to average assets | 2.5126% | 5,428 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2247% | 5,505 |
| Return on assets (ROA) | 0.2347% | 5,619 |
| Pretax return on assets | 0.2557% | 5,661 |
| Return on Equity (ROE) | 2.3710% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.3710% | 4,535 |
| Net charge-offs to loans | 0.0549% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 17.1905% | 1,287 |
| Efficiency ratio | 91.1193% | 1,110 |
| Assets per employee ($millions) | 3.5470% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2610% | 1,687 |
| Loan loss allowance to noncurrent loans | 563.8710% | 631 |
| Noncurrent assets plus other real estate owned to assets | 1.4446% | 3,821 |
| Noncurrent loans to loans | 0.4010% | 5,913 |
| Net loans and leases to total assets | 25.3610% | 7,133 |
| Net loans and leases to deposits | 28.1744% | 7,168 |
| Net loans and leases to core deposits | 28.3873% | 7,174 |
| Total domestic deposits to total assets | 90.0143% | 986 |
| Equity capital to assets | 9.9233% | 4,268 |
| Core capital (leverage) ratio | 9.4462% | 4,118 |
| Tier 1 risk-based capital ratio | 28.1223% | 617 |
| Total risk-based capital ratio | 29.3795% | 607 |
| Memoranda: | ||
| Average total assets | $147,414,600 | 3,841 |
| Average earning assets | $126,681,400 | 4,002 |
| Average equity | $14,593,200 | 3,991 |
| Average total loans | $38,230,200 | 5,770 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8441% | 7,294 |
| Cost of funding earning assets | 0.4175% | 6,968 |
| Net interest margin | 2.4266% | 7,168 |
| Noninterest income to average assets | 0.6103% | 3,103 |
| Noninterest expense to average assets | 2.3270% | 5,964 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3382% | 5,259 |
| Return on assets (ROA) | 0.3519% | 5,379 |
| Pretax return on assets | 0.3745% | 5,545 |
| Return on Equity (ROE) | 3.5565% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.5565% | 4,212 |
| Net charge-offs to loans | 0.0245% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 56.7331% | 579 |
| Efficiency ratio | 86.6014% | 1,472 |
| Assets per employee ($millions) | 3.5916% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2669% | 1,743 |
| Loan loss allowance to noncurrent loans | 348.2353% | 922 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 3,874 |
| Noncurrent loans to loans | 0.6510% | 5,585 |
| Net loans and leases to total assets | 25.3800% | 7,202 |
| Net loans and leases to deposits | 28.1883% | 7,237 |
| Net loans and leases to core deposits | 28.4089% | 7,249 |
| Total domestic deposits to total assets | 90.0376% | 848 |
| Equity capital to assets | 9.9021% | 4,475 |
| Core capital (leverage) ratio | 9.9485% | 3,513 |
| Tier 1 risk-based capital ratio | 28.0991% | 647 |
| Total risk-based capital ratio | 29.3556% | 637 |
| Memoranda: | ||
| Average total assets | $147,025,000 | 3,867 |
| Average earning assets | $125,823,500 | 4,042 |
| Average equity | $14,545,750 | 4,021 |
| Average total loans | $38,124,000 | 5,833 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8505% | 7,376 |
| Cost of funding earning assets | 0.4452% | 7,027 |
| Net interest margin | 2.4053% | 7,231 |
| Noninterest income to average assets | 0.6161% | 3,027 |
| Noninterest expense to average assets | 2.4068% | 5,820 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2474% | 5,572 |
| Return on assets (ROA) | 0.2676% | 5,614 |
| Pretax return on assets | 0.2923% | 5,689 |
| Return on Equity (ROE) | 2.7055% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.7055% | 4,566 |
| Net charge-offs to loans | 0.0635% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 16.4167% | 1,343 |
| Efficiency ratio | 89.9026% | 1,246 |
| Assets per employee ($millions) | 3.4745% | 5,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3665% | 1,644 |
| Loan loss allowance to noncurrent loans | 399.5475% | 808 |
| Noncurrent assets plus other real estate owned to assets | 1.5199% | 3,919 |
| Noncurrent loans to loans | 0.5923% | 5,740 |
| Net loans and leases to total assets | 24.9640% | 7,301 |
| Net loans and leases to deposits | 27.7769% | 7,328 |
| Net loans and leases to core deposits | 28.0020% | 7,343 |
| Total domestic deposits to total assets | 89.8732% | 1,031 |
| Equity capital to assets | 10.0260% | 4,112 |
| Core capital (leverage) ratio | 9.5287% | 3,912 |
| Tier 1 risk-based capital ratio | 28.9619% | 601 |
| Total risk-based capital ratio | 30.2195% | 588 |
| Memoranda: | ||
| Average total assets | $145,751,000 | 3,927 |
| Average earning assets | $124,891,330 | 4,097 |
| Average equity | $14,415,330 | 4,035 |
| Average total loans | $37,774,330 | 5,900 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8176% | 7,441 |
| Cost of funding earning assets | 0.4580% | 7,096 |
| Net interest margin | 2.3596% | 7,278 |
| Noninterest income to average assets | 0.5382% | 3,592 |
| Noninterest expense to average assets | 2.3012% | 6,183 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2741% | 5,526 |
| Return on assets (ROA) | 0.3158% | 5,406 |
| Pretax return on assets | 0.3323% | 5,555 |
| Return on Equity (ROE) | 3.2151% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.2151% | 4,244 |
| Net charge-offs to loans | -0.2210% | 7,278 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8653% | 1,431 |
| Assets per employee ($millions) | 3.5959% | 4,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6686% | 1,238 |
| Loan loss allowance to noncurrent loans | 324.8227% | 951 |
| Noncurrent assets plus other real estate owned to assets | 1.5090% | 3,989 |
| Noncurrent loans to loans | 0.8216% | 5,391 |
| Net loans and leases to total assets | 22.1214% | 7,404 |
| Net loans and leases to deposits | 24.4708% | 7,430 |
| Net loans and leases to core deposits | 24.6065% | 7,434 |
| Total domestic deposits to total assets | 90.3990% | 898 |
| Equity capital to assets | 9.5123% | 4,419 |
| Core capital (leverage) ratio | 9.7055% | 3,516 |
| Tier 1 risk-based capital ratio | 30.3085% | 507 |
| Total risk-based capital ratio | 31.5674% | 501 |
| Memoranda: | ||
| Average total assets | $145,661,500 | 3,962 |
| Average earning assets | $126,634,000 | 4,092 |
| Average equity | $14,307,500 | 4,044 |
| Average total loans | $38,005,000 | 5,939 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3274% | 7,438 |
| Cost of funding earning assets | 0.6181% | 7,087 |
| Net interest margin | 2.7092% | 7,111 |
| Noninterest income to average assets | 0.7832% | 2,362 |
| Noninterest expense to average assets | 2.7080% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4226% | 4,445 |
| Return on assets (ROA) | 0.4226% | 4,578 |
| Pretax return on assets | 0.4502% | 4,796 |
| Return on Equity (ROE) | 4.2519% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.2519% | 2,868 |
| Net charge-offs to loans | 0.1284% | 5,621 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 11.3929% | 1,613 |
| Efficiency ratio | 85.7462% | 1,719 |
| Assets per employee ($millions) | 3.3404% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1471% | 1,967 |
| Loan loss allowance to noncurrent loans | 360.8871% | 863 |
| Noncurrent assets plus other real estate owned to assets | 1.6002% | 3,908 |
| Noncurrent loans to loans | 0.5949% | 5,855 |
| Net loans and leases to total assets | 29.0740% | 7,378 |
| Net loans and leases to deposits | 32.4170% | 7,421 |
| Net loans and leases to core deposits | 32.8631% | 7,438 |
| Total domestic deposits to total assets | 89.6876% | 1,279 |
| Equity capital to assets | 10.1563% | 3,552 |
| Core capital (leverage) ratio | 9.7011% | 3,430 |
| Tier 1 risk-based capital ratio | 24.2047% | 911 |
| Total risk-based capital ratio | 25.4502% | 897 |
| Memoranda: | ||
| Average total assets | $141,729,000 | 4,025 |
| Average earning assets | $124,242,000 | 4,147 |
| Average equity | $14,087,800 | 4,125 |
| Average total loans | $43,603,000 | 5,764 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3464% | 7,572 |
| Cost of funding earning assets | 0.6425% | 7,195 |
| Net interest margin | 2.7038% | 7,228 |
| Noninterest income to average assets | 0.7310% | 2,635 |
| Noninterest expense to average assets | 2.6697% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2956% | 5,183 |
| Return on assets (ROA) | 0.2956% | 5,353 |
| Pretax return on assets | 0.4345% | 5,129 |
| Return on Equity (ROE) | 2.9898% | 5,227 |
| Retained earnings to average equity (ytd only) | 2.9898% | 4,343 |
| Net charge-offs to loans | 0.0968% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 14.4673% | 1,515 |
| Efficiency ratio | 86.0036% | 1,631 |
| Assets per employee ($millions) | 3.5891% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 1,787 |
| Loan loss allowance to noncurrent loans | 348.1061% | 859 |
| Noncurrent assets plus other real estate owned to assets | 1.5227% | 4,163 |
| Noncurrent loans to loans | 0.6347% | 5,938 |
| Net loans and leases to total assets | 28.3318% | 7,503 |
| Net loans and leases to deposits | 31.5065% | 7,546 |
| Net loans and leases to core deposits | 31.6909% | 7,559 |
| Total domestic deposits to total assets | 89.9236% | 919 |
| Equity capital to assets | 9.8995% | 4,291 |
| Core capital (leverage) ratio | 9.6867% | 3,634 |
| Tier 1 risk-based capital ratio | 23.8869% | 962 |
| Total risk-based capital ratio | 25.1416% | 932 |
| Memoranda: | ||
| Average total assets | $142,087,000 | 4,076 |
| Average earning assets | $124,709,000 | 4,194 |
| Average equity | $14,047,500 | 4,190 |
| Average total loans | $44,082,500 | 5,824 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3991% | 7,638 |
| Cost of funding earning assets | 0.6747% | 7,245 |
| Net interest margin | 2.7244% | 7,230 |
| Noninterest income to average assets | 0.7401% | 2,456 |
| Noninterest expense to average assets | 2.5538% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4845% | 4,395 |
| Return on assets (ROA) | 0.4845% | 4,554 |
| Pretax return on assets | 0.5819% | 4,617 |
| Return on Equity (ROE) | 4.9026% | 4,335 |
| Retained earnings to average equity (ytd only) | 4.9026% | 2,958 |
| Net charge-offs to loans | 0.0534% | 5,632 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 34.3333% | 823 |
| Efficiency ratio | 81.4414% | 2,240 |
| Assets per employee ($millions) | 3.6233% | 4,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2321% | 1,702 |
| Loan loss allowance to noncurrent loans | 55.7270% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4289% | 4,332 |
| Noncurrent loans to loans | 4.0054% | 1,888 |
| Net loans and leases to total assets | 28.3781% | 7,574 |
| Net loans and leases to deposits | 31.5080% | 7,618 |
| Net loans and leases to core deposits | 31.8462% | 7,630 |
| Total domestic deposits to total assets | 90.0664% | 893 |
| Equity capital to assets | 9.7784% | 4,299 |
| Core capital (leverage) ratio | 9.2473% | 4,216 |
| Tier 1 risk-based capital ratio | 24.6200% | 882 |
| Total risk-based capital ratio | 25.8747% | 862 |
| Memoranda: | ||
| Average total assets | $141,595,000 | 4,109 |
| Average earning assets | $124,505,330 | 4,218 |
| Average equity | $13,992,670 | 4,200 |
| Average total loans | $44,912,330 | 5,824 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 7,709 |
| Cost of funding earning assets | 0.7138% | 7,304 |
| Net interest margin | 2.7734% | 7,224 |
| Noninterest income to average assets | 0.5431% | 3,698 |
| Noninterest expense to average assets | 2.5242% | 5,634 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2773% | 5,385 |
| Return on assets (ROA) | 0.2773% | 5,514 |
| Pretax return on assets | 0.4402% | 5,162 |
| Return on Equity (ROE) | 2.7908% | 5,434 |
| Retained earnings to average equity (ytd only) | 2.7908% | 4,459 |
| Net charge-offs to loans | 0.1036% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 12.8333% | 1,536 |
| Efficiency ratio | 85.1495% | 1,893 |
| Assets per employee ($millions) | 3.6388% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1625% | 1,828 |
| Loan loss allowance to noncurrent loans | 25.3032% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 2.8148% | 2,581 |
| Noncurrent loans to loans | 8.5464% | 601 |
| Net loans and leases to total assets | 29.1877% | 7,646 |
| Net loans and leases to deposits | 32.3153% | 7,690 |
| Net loans and leases to core deposits | 32.6591% | 7,707 |
| Total domestic deposits to total assets | 90.3216% | 818 |
| Equity capital to assets | 9.5492% | 4,453 |
| Core capital (leverage) ratio | 9.6933% | 3,525 |
| Tier 1 risk-based capital ratio | 23.5165% | 1,011 |
| Total risk-based capital ratio | 24.7716% | 986 |
| Memoranda: | ||
| Average total assets | $139,926,500 | 4,195 |
| Average earning assets | $122,159,000 | 4,324 |
| Average equity | $13,903,000 | 4,265 |
| Average total loans | $46,334,500 | 5,826 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 7,674 |
| Cost of funding earning assets | 1.0677% | 7,062 |
| Net interest margin | 2.9743% | 6,708 |
| Noninterest income to average assets | 0.8072% | 2,371 |
| Noninterest expense to average assets | 3.1303% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3913% | 4,160 |
| Return on assets (ROA) | 0.3913% | 4,262 |
| Pretax return on assets | 0.2793% | 4,821 |
| Return on Equity (ROE) | 3.4929% | 4,290 |
| Retained earnings to average equity (ytd only) | -18.8377% | 7,061 |
| Net charge-offs to loans | -0.0915% | 7,880 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8090% | 1,577 |
| Assets per employee ($millions) | 3.3576% | 5,348 |
| Cash dividends to net income (ytd only)* | 639.3130% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 2,188 |
| Loan loss allowance to noncurrent loans | 49.8689% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.7334% | 3,771 |
| Noncurrent loans to loans | 3.8723% | 1,921 |
| Net loans and leases to total assets | 35.9607% | 7,524 |
| Net loans and leases to deposits | 40.1653% | 7,625 |
| Net loans and leases to core deposits | 43.4653% | 7,707 |
| Total domestic deposits to total assets | 89.5318% | 1,194 |
| Equity capital to assets | 10.3550% | 3,338 |
| Core capital (leverage) ratio | 10.0732% | 3,018 |
| Tier 1 risk-based capital ratio | 21.3871% | 1,240 |
| Total risk-based capital ratio | 22.6374% | 1,209 |
| Memoranda: | ||
| Average total assets | $133,915,600 | 4,265 |
| Average earning assets | $117,171,600 | 4,373 |
| Average equity | $15,001,800 | 4,056 |
| Average total loans | $50,265,200 | 5,658 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 7,773 |
| Cost of funding earning assets | 1.1414% | 7,061 |
| Net interest margin | 2.9577% | 6,713 |
| Noninterest income to average assets | 0.8110% | 2,376 |
| Noninterest expense to average assets | 2.9402% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3985% | 4,409 |
| Return on assets (ROA) | 0.3985% | 4,505 |
| Pretax return on assets | 0.4603% | 4,642 |
| Return on Equity (ROE) | 3.4913% | 4,580 |
| Retained earnings to average equity (ytd only) | -25.7487% | 7,501 |
| Net charge-offs to loans | -0.0185% | 7,755 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4635% | 2,015 |
| Assets per employee ($millions) | 3.3481% | 5,264 |
| Cash dividends to net income (ytd only)* | 837.5009% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 2,297 |
| Loan loss allowance to noncurrent loans | 36.3781% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 2.1602% | 3,146 |
| Noncurrent loans to loans | 4.9314% | 1,358 |
| Net loans and leases to total assets | 37.2791% | 7,577 |
| Net loans and leases to deposits | 41.8449% | 7,680 |
| Net loans and leases to core deposits | 45.2597% | 7,778 |
| Total domestic deposits to total assets | 89.0887% | 1,159 |
| Equity capital to assets | 10.3192% | 3,705 |
| Core capital (leverage) ratio | 10.8008% | 2,562 |
| Tier 1 risk-based capital ratio | 21.2577% | 1,333 |
| Total risk-based capital ratio | 22.5106% | 1,312 |
| Memoranda: | ||
| Average total assets | $133,819,000 | 4,285 |
| Average earning assets | $117,162,000 | 4,401 |
| Average equity | $15,275,500 | 4,051 |
| Average total loans | $50,519,750 | 5,689 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 7,895 |
| Cost of funding earning assets | 1.1883% | 7,140 |
| Net interest margin | 2.8453% | 6,923 |
| Noninterest income to average assets | 0.8504% | 2,181 |
| Noninterest expense to average assets | 2.9376% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3864% | 4,563 |
| Return on assets (ROA) | 0.3864% | 4,665 |
| Pretax return on assets | 0.4271% | 4,854 |
| Return on Equity (ROE) | 3.1147% | 4,857 |
| Retained earnings to average equity (ytd only) | -46.8096% | 7,889 |
| Net charge-offs to loans | -0.1062% | 7,961 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3077% | 2,097 |
| Assets per employee ($millions) | 3.2345% | 5,497 |
| Cash dividends to net income (ytd only)* | 1,602.8708% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 1,536 |
| Loan loss allowance to noncurrent loans | 40.8107% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 1.6873% | 3,657 |
| Noncurrent loans to loans | 4.9417% | 1,250 |
| Net loans and leases to total assets | 33.4558% | 7,793 |
| Net loans and leases to deposits | 37.6823% | 7,868 |
| Net loans and leases to core deposits | 41.0219% | 7,921 |
| Total domestic deposits to total assets | 88.7838% | 1,386 |
| Equity capital to assets | 10.5782% | 3,314 |
| Core capital (leverage) ratio | 9.8011% | 3,518 |
| Tier 1 risk-based capital ratio | 22.7373% | 1,168 |
| Total risk-based capital ratio | 23.8348% | 1,144 |
| Memoranda: | ||
| Average total assets | $108,183,330 | 4,935 |
| Average earning assets | $95,597,330 | 5,019 |
| Average equity | $13,420,330 | 4,440 |
| Average total loans | $37,680,000 | 6,309 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 7,921 |
| Cost of funding earning assets | 1.3034% | 7,006 |
| Net interest margin | 2.8540% | 6,868 |
| Noninterest income to average assets | 0.8007% | 2,319 |
| Noninterest expense to average assets | 2.7877% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4738% | 4,547 |
| Return on assets (ROA) | 0.4738% | 4,738 |
| Pretax return on assets | 0.5142% | 5,044 |
| Return on Equity (ROE) | 3.5623% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.5623% | 3,915 |
| Net charge-offs to loans | -0.1044% | 7,888 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4271% | 2,258 |
| Assets per employee ($millions) | 3.4457% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9562% | 1,510 |
| Loan loss allowance to noncurrent loans | 38.6667% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 1.6490% | 3,440 |
| Noncurrent loans to loans | 5.0592% | 1,074 |
| Net loans and leases to total assets | 31.9555% | 7,867 |
| Net loans and leases to deposits | 37.0594% | 7,920 |
| Net loans and leases to core deposits | 40.2517% | 7,975 |
| Total domestic deposits to total assets | 86.2279% | 2,600 |
| Equity capital to assets | 12.8250% | 1,821 |
| Core capital (leverage) ratio | 13.2168% | 1,412 |
| Tier 1 risk-based capital ratio | 28.3574% | 728 |
| Total risk-based capital ratio | 29.6098% | 712 |
| Memoranda: | ||
| Average total assets | $108,906,000 | 4,930 |
| Average earning assets | $95,445,000 | 5,039 |
| Average equity | $14,485,000 | 4,231 |
| Average total loans | $38,297,500 | 6,316 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8566% | 7,921 |
| Cost of funding earning assets | 1.6939% | 7,270 |
| Net interest margin | 3.1627% | 6,485 |
| Noninterest income to average assets | 0.9350% | 1,834 |
| Noninterest expense to average assets | 3.0566% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7394% | 3,720 |
| Return on assets (ROA) | 0.7137% | 3,663 |
| Pretax return on assets | 0.7566% | 4,223 |
| Return on Equity (ROE) | 5.3181% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.3181% | 1,850 |
| Net charge-offs to loans | 0.1697% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 11.4857% | 2,364 |
| Efficiency ratio | 79.5887% | 2,653 |
| Assets per employee ($millions) | 3.1547% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 1,613 |
| Loan loss allowance to noncurrent loans | 55.3406% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 3,742 |
| Noncurrent loans to loans | 3.2681% | 1,600 |
| Net loans and leases to total assets | 37.2887% | 7,789 |
| Net loans and leases to deposits | 43.7891% | 7,856 |
| Net loans and leases to core deposits | 47.9839% | 7,927 |
| Total domestic deposits to total assets | 85.1552% | 2,772 |
| Equity capital to assets | 13.8198% | 1,489 |
| Core capital (leverage) ratio | 13.0086% | 1,538 |
| Tier 1 risk-based capital ratio | 28.5481% | 731 |
| Total risk-based capital ratio | 29.8040% | 714 |
| Memoranda: | ||
| Average total assets | $102,564,000 | 4,974 |
| Average earning assets | $94,223,000 | 4,964 |
| Average equity | $13,764,200 | 4,389 |
| Average total loans | $41,248,600 | 6,110 |