Home > Grove Bank & Trust > Performance and Condition Ratios
Grove Bank & Trust, 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 | 3.7554% | 4,223 |
| Cost of funding earning assets | 1.6809% | 1,490 |
| Net interest margin | 2.0745% | 4,389 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.6588% | 1,850 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.0282% | 4,304 |
| Return on assets (ROA) | -0.1373% | 4,426 |
| Pretax return on assets | -0.2240% | 4,436 |
| Return on Equity (ROE) | -1.2200% | 4,396 |
| Retained earnings to average equity (ytd only) | -1.7346% | 4,250 |
| Net charge-offs to loans | 0.0201% | 1,944 |
| Credit loss provision to net charge-offs | 1,703.3708% | 263 |
| Earnings coverage of net charge-offs (x) | 15.2472% | 2,049 |
| Efficiency ratio | 95.5346% | 268 |
| Assets per employee ($millions) | 9.1477% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 312 |
| Loan loss allowance to noncurrent loans | 5,406.5327% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 3,615 |
| Noncurrent loans to loans | 0.0393% | 3,440 |
| Net loans and leases to total assets | 47.1100% | 3,772 |
| Net loans and leases to deposits | 62.1804% | 3,394 |
| Net loans and leases to core deposits | 63.1716% | 3,632 |
| Total domestic deposits to total assets | 75.7600% | 3,964 |
| Equity capital to assets | 11.6137% | 1,246 |
| Core capital (leverage) ratio | 12.2320% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5161% | 572 |
| Memoranda: | ||
| Average total assets | $1,091,911,200 | 913 |
| Average earning assets | $1,028,997,000 | 891 |
| Average equity | $122,448,400 | 808 |
| Average total loans | $442,417,000 | 1,364 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 4,201 |
| Cost of funding earning assets | 1.5756% | 1,418 |
| Net interest margin | 2.1350% | 4,390 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.5935% | 1,967 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2334% | 4,197 |
| Return on assets (ROA) | 0.0038% | 4,391 |
| Pretax return on assets | -0.0469% | 4,425 |
| Return on Equity (ROE) | 0.0300% | 4,378 |
| Retained earnings to average equity (ytd only) | 0.0337% | 4,105 |
| Net charge-offs to loans | 0.0234% | 1,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 26.8533% | 1,658 |
| Efficiency ratio | 91.4108% | 338 |
| Assets per employee ($millions) | 9.0751% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1586% | 319 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 40.5600% | 4,030 |
| Net loans and leases to deposits | 49.8509% | 3,938 |
| Net loans and leases to core deposits | 50.6455% | 4,026 |
| Total domestic deposits to total assets | 81.3600% | 3,327 |
| Equity capital to assets | 11.7628% | 1,104 |
| Core capital (leverage) ratio | 12.1228% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3198% | 414 |
| Memoranda: | ||
| Average total assets | $1,101,892,500 | 915 |
| Average earning assets | $1,039,210,250 | 891 |
| Average equity | $122,516,750 | 803 |
| Average total loans | $426,437,750 | 1,398 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 4,225 |
| Cost of funding earning assets | 1.4171% | 1,403 |
| Net interest margin | 2.2090% | 4,415 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.5268% | 2,127 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3274% | 4,116 |
| Return on assets (ROA) | 0.0032% | 4,451 |
| Pretax return on assets | -0.0539% | 4,475 |
| Return on Equity (ROE) | 0.0300% | 4,437 |
| Retained earnings to average equity (ytd only) | 0.0293% | 4,064 |
| Net charge-offs to loans | 0.0047% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 200.4000% | 608 |
| Efficiency ratio | 87.6365% | 438 |
| Assets per employee ($millions) | 9.8444% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1906% | 310 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 38.4400% | 4,097 |
| Net loans and leases to deposits | 46.9124% | 4,020 |
| Net loans and leases to core deposits | 47.6026% | 4,081 |
| Total domestic deposits to total assets | 81.9300% | 3,243 |
| Equity capital to assets | 11.3473% | 1,250 |
| Core capital (leverage) ratio | 11.5352% | 1,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6389% | 404 |
| Memoranda: | ||
| Average total assets | $1,124,335,000 | 890 |
| Average earning assets | $1,061,454,000 | 864 |
| Average equity | $122,791,000 | 793 |
| Average total loans | $425,633,667 | 1,387 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4854% | 4,286 |
| Cost of funding earning assets | 1.1894% | 1,482 |
| Net interest margin | 2.2960% | 4,451 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.5344% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3811% | 4,117 |
| Return on assets (ROA) | 0.3850% | 4,061 |
| Pretax return on assets | 0.4583% | 4,046 |
| Return on Equity (ROE) | 3.5900% | 4,103 |
| Retained earnings to average equity (ytd only) | 3.5911% | 3,371 |
| Net charge-offs to loans | 0.0103% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 118.0909% | 714 |
| Efficiency ratio | 84.8141% | 556 |
| Assets per employee ($millions) | 10.2364% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1970% | 324 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 37.1900% | 4,148 |
| Net loans and leases to deposits | 44.9137% | 4,075 |
| Net loans and leases to core deposits | 45.5338% | 4,129 |
| Total domestic deposits to total assets | 82.8000% | 3,334 |
| Equity capital to assets | 11.1208% | 1,295 |
| Core capital (leverage) ratio | 11.2582% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7563% | 400 |
| Memoranda: | ||
| Average total assets | $1,145,059,500 | 895 |
| Average earning assets | $1,082,222,000 | 867 |
| Average equity | $122,747,500 | 804 |
| Average total loans | $425,675,500 | 1,401 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6172% | 4,453 |
| Cost of funding earning assets | 0.3269% | 2,663 |
| Net interest margin | 2.2903% | 4,434 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.2938% | 2,757 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.5189% | 4,060 |
| Return on assets (ROA) | 0.4851% | 4,071 |
| Pretax return on assets | 0.5801% | 4,063 |
| Return on Equity (ROE) | 4.7900% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.2121% | 3,324 |
| Net charge-offs to loans | -0.0172% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.3756% | 895 |
| Assets per employee ($millions) | 10.5797% | 568 |
| Cash dividends to net income (ytd only)* | 12.0773% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1850% | 313 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 35.5700% | 4,232 |
| Net loans and leases to deposits | 42.2000% | 4,167 |
| Net loans and leases to core deposits | 42.6748% | 4,216 |
| Total domestic deposits to total assets | 84.3000% | 3,148 |
| Equity capital to assets | 10.3387% | 1,541 |
| Core capital (leverage) ratio | 10.8383% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0435% | 417 |
| Memoranda: | ||
| Average total assets | $1,194,898,800 | 859 |
| Average earning assets | $1,131,054,400 | 836 |
| Average equity | $120,984,600 | 809 |
| Average total loans | $413,527,000 | 1,349 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3568% | 4,517 |
| Cost of funding earning assets | 0.1992% | 3,288 |
| Net interest margin | 2.1576% | 4,486 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.2363% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5294% | 4,014 |
| Return on assets (ROA) | 0.4859% | 4,053 |
| Pretax return on assets | 0.5774% | 4,028 |
| Return on Equity (ROE) | 4.8200% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.8235% | 3,156 |
| Net charge-offs to loans | -0.0221% | 4,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.0397% | 907 |
| Assets per employee ($millions) | 10.3192% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0829% | 426 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 34.8800% | 4,276 |
| Net loans and leases to deposits | 39.2531% | 4,263 |
| Net loans and leases to core deposits | 39.6412% | 4,285 |
| Total domestic deposits to total assets | 88.8700% | 2,142 |
| Equity capital to assets | 10.2073% | 1,521 |
| Core capital (leverage) ratio | 10.4698% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8786% | 439 |
| Memoranda: | ||
| Average total assets | $1,200,036,750 | 857 |
| Average earning assets | $1,135,878,750 | 838 |
| Average equity | $120,877,750 | 824 |
| Average total loans | $410,137,500 | 1,355 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0544% | 4,607 |
| Cost of funding earning assets | 0.1487% | 3,591 |
| Net interest margin | 1.9057% | 4,599 |
| Noninterest income to average assets | 0.8694% | 906 |
| Noninterest expense to average assets | 2.1915% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4272% | 4,060 |
| Return on assets (ROA) | 0.3777% | 4,105 |
| Pretax return on assets | 0.4260% | 4,116 |
| Return on Equity (ROE) | 3.7658% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.7658% | 3,174 |
| Net charge-offs to loans | -0.0329% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9820% | 801 |
| Assets per employee ($millions) | 11.0478% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0590% | 491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.4769% | 4,310 |
| Net loans and leases to deposits | 38.9353% | 4,302 |
| Net loans and leases to core deposits | 39.4943% | 4,338 |
| Total domestic deposits to total assets | 88.5492% | 2,361 |
| Equity capital to assets | 10.0809% | 1,672 |
| Core capital (leverage) ratio | 10.3591% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4559% | 451 |
| Memoranda: | ||
| Average total assets | $1,207,918,667 | 853 |
| Average earning assets | $1,143,297,333 | 837 |
| Average equity | $121,144,333 | 836 |
| Average total loans | $407,154,000 | 1,355 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8446% | 4,657 |
| Cost of funding earning assets | 0.1401% | 3,630 |
| Net interest margin | 1.7045% | 4,645 |
| Noninterest income to average assets | 0.7797% | 1,089 |
| Noninterest expense to average assets | 2.1855% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1991% | 4,336 |
| Return on assets (ROA) | 0.1442% | 4,381 |
| Pretax return on assets | 0.1498% | 4,389 |
| Return on Equity (ROE) | 1.4411% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.4411% | 3,707 |
| Net charge-offs to loans | -0.0642% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3488% | 492 |
| Assets per employee ($millions) | 11.5092% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1732% | 457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.1970% | 4,371 |
| Net loans and leases to deposits | 37.2992% | 4,343 |
| Net loans and leases to core deposits | 37.8108% | 4,379 |
| Total domestic deposits to total assets | 86.3209% | 3,159 |
| Equity capital to assets | 9.8681% | 1,993 |
| Core capital (leverage) ratio | 10.2403% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4871% | 401 |
| Memoranda: | ||
| Average total assets | $1,209,773,000 | 855 |
| Average earning assets | $1,144,766,000 | 837 |
| Average equity | $121,019,000 | 854 |
| Average total loans | $398,780,000 | 1,371 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1061% | 4,649 |
| Cost of funding earning assets | 0.1538% | 3,929 |
| Net interest margin | 1.9523% | 4,619 |
| Noninterest income to average assets | 0.8517% | 1,318 |
| Noninterest expense to average assets | 2.4169% | 2,437 |
| Loan and lease loss provision to assets | -0.0342% | 4,287 |
| Net operating income to assets | 0.2426% | 4,489 |
| Return on assets (ROA) | 0.2279% | 4,524 |
| Pretax return on assets | 0.2516% | 4,526 |
| Return on Equity (ROE) | 1.8973% | 4,509 |
| Retained earnings to average equity (ytd only) | 1.8973% | 4,008 |
| Net charge-offs to loans | 0.0075% | 2,300 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,955 |
| Earnings coverage of net charge-offs (x) | 78.5667% | 1,010 |
| Efficiency ratio | 91.1891% | 287 |
| Assets per employee ($millions) | 11.2110% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 32.2930% | 4,437 |
| Net loans and leases to deposits | 37.7223% | 4,417 |
| Net loans and leases to core deposits | 38.2723% | 4,450 |
| Total domestic deposits to total assets | 85.6072% | 3,051 |
| Equity capital to assets | 10.1411% | 2,529 |
| Core capital (leverage) ratio | 10.7968% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0202% | 398 |
| Memoranda: | ||
| Average total assets | $1,009,293,800 | 951 |
| Average earning assets | $929,911,400 | 960 |
| Average equity | $121,227,000 | 856 |
| Average total loans | $400,260,600 | 1,372 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2047% | 4,714 |
| Cost of funding earning assets | 0.1592% | 4,021 |
| Net interest margin | 2.0456% | 4,657 |
| Noninterest income to average assets | 0.8548% | 1,368 |
| Noninterest expense to average assets | 2.5280% | 2,042 |
| Loan and lease loss provision to assets | -0.0478% | 4,447 |
| Net operating income to assets | 0.2272% | 4,602 |
| Return on assets (ROA) | 0.2114% | 4,639 |
| Pretax return on assets | 0.2250% | 4,655 |
| Return on Equity (ROE) | 1.6787% | 4,633 |
| Retained earnings to average equity (ytd only) | 1.6787% | 4,280 |
| Net charge-offs to loans | -0.0030% | 3,300 |
| Credit loss provision to net charge-offs | 3,833.3333% | 202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8746% | 254 |
| Assets per employee ($millions) | 10.1024% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2053% | 451 |
| Loan loss allowance to noncurrent loans | 5,370.9877% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,113 |
| Noncurrent loans to loans | 0.0411% | 3,916 |
| Net loans and leases to total assets | 36.7243% | 4,354 |
| Net loans and leases to deposits | 43.5939% | 4,325 |
| Net loans and leases to core deposits | 44.2689% | 4,370 |
| Total domestic deposits to total assets | 84.2418% | 3,390 |
| Equity capital to assets | 11.5967% | 1,607 |
| Core capital (leverage) ratio | 11.7231% | 1,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2393% | 414 |
| Memoranda: | ||
| Average total assets | $961,724,000 | 997 |
| Average earning assets | $877,843,500 | 1,011 |
| Average equity | $121,121,250 | 869 |
| Average total loans | $401,316,000 | 1,402 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2549% | 4,740 |
| Cost of funding earning assets | 0.1654% | 4,084 |
| Net interest margin | 2.0895% | 4,660 |
| Noninterest income to average assets | 0.8465% | 1,400 |
| Noninterest expense to average assets | 2.6036% | 1,836 |
| Loan and lease loss provision to assets | -0.0740% | 4,572 |
| Net operating income to assets | 0.2000% | 4,633 |
| Return on assets (ROA) | 0.1794% | 4,670 |
| Pretax return on assets | 0.1805% | 4,683 |
| Return on Equity (ROE) | 1.3832% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.3832% | 4,263 |
| Net charge-offs to loans | -0.0025% | 3,243 |
| Credit loss provision to net charge-offs | 6,900.0000% | 92 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3406% | 229 |
| Assets per employee ($millions) | 9.7355% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1467% | 471 |
| Loan loss allowance to noncurrent loans | 5,368.5185% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 4,177 |
| Noncurrent loans to loans | 0.0400% | 3,993 |
| Net loans and leases to total assets | 39.5350% | 4,306 |
| Net loans and leases to deposits | 47.2959% | 4,256 |
| Net loans and leases to core deposits | 48.1003% | 4,322 |
| Total domestic deposits to total assets | 83.5907% | 3,548 |
| Equity capital to assets | 12.0815% | 1,324 |
| Core capital (leverage) ratio | 12.2673% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7303% | 443 |
| Memoranda: | ||
| Average total assets | $932,083,667 | 1,021 |
| Average earning assets | $840,574,333 | 1,046 |
| Average equity | $120,881,667 | 862 |
| Average total loans | $403,573,667 | 1,397 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3472% | 4,742 |
| Cost of funding earning assets | 0.1707% | 4,158 |
| Net interest margin | 2.1765% | 4,630 |
| Noninterest income to average assets | 0.9207% | 1,275 |
| Noninterest expense to average assets | 2.7803% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1271% | 4,692 |
| Return on assets (ROA) | 0.0955% | 4,727 |
| Pretax return on assets | 0.0651% | 4,749 |
| Return on Equity (ROE) | 0.7089% | 4,731 |
| Retained earnings to average equity (ytd only) | 0.7089% | 4,266 |
| Net charge-offs to loans | -0.0050% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6357% | 238 |
| Assets per employee ($millions) | 8.8828% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2427% | 393 |
| Loan loss allowance to noncurrent loans | 2,843.3962% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 3,191 |
| Noncurrent loans to loans | 0.0789% | 3,900 |
| Net loans and leases to total assets | 42.2581% | 4,214 |
| Net loans and leases to deposits | 51.2655% | 4,087 |
| Net loans and leases to core deposits | 52.1167% | 4,186 |
| Total domestic deposits to total assets | 82.4299% | 3,808 |
| Equity capital to assets | 12.8921% | 947 |
| Core capital (leverage) ratio | 13.3222% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9486% | 405 |
| Memoranda: | ||
| Average total assets | $896,749,000 | 1,043 |
| Average earning assets | $806,052,500 | 1,074 |
| Average equity | $120,748,500 | 856 |
| Average total loans | $402,793,000 | 1,402 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7543% | 4,771 |
| Cost of funding earning assets | 0.3525% | 3,856 |
| Net interest margin | 2.4018% | 4,654 |
| Noninterest income to average assets | 1.0081% | 1,032 |
| Noninterest expense to average assets | 2.8455% | 1,829 |
| Loan and lease loss provision to assets | 0.1604% | 2,369 |
| Net operating income to assets | 0.1640% | 4,614 |
| Return on assets (ROA) | 0.2240% | 4,603 |
| Pretax return on assets | 0.2304% | 4,630 |
| Return on Equity (ROE) | 1.5178% | 4,621 |
| Retained earnings to average equity (ytd only) | 1.5178% | 4,025 |
| Net charge-offs to loans | -0.0153% | 4,358 |
| Credit loss provision to net charge-offs | -2,321.4286% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6394% | 389 |
| Assets per employee ($millions) | 8.5228% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2457% | 377 |
| Loan loss allowance to noncurrent loans | 2,832.9154% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 3,232 |
| Noncurrent loans to loans | 0.0793% | 3,975 |
| Net loans and leases to total assets | 45.6978% | 4,142 |
| Net loans and leases to deposits | 56.5610% | 3,964 |
| Net loans and leases to core deposits | 57.6193% | 4,068 |
| Total domestic deposits to total assets | 80.7938% | 3,910 |
| Equity capital to assets | 14.0860% | 774 |
| Core capital (leverage) ratio | 13.7792% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6226% | 404 |
| Memoranda: | ||
| Average total assets | $810,610,400 | 1,044 |
| Average earning assets | $731,111,800 | 1,061 |
| Average equity | $119,646,000 | 824 |
| Average total loans | $365,530,800 | 1,464 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8503% | 4,812 |
| Cost of funding earning assets | 0.3942% | 3,840 |
| Net interest margin | 2.4562% | 4,685 |
| Noninterest income to average assets | 0.9312% | 1,151 |
| Noninterest expense to average assets | 2.8310% | 1,880 |
| Loan and lease loss provision to assets | 0.1044% | 3,013 |
| Net operating income to assets | 0.2011% | 4,593 |
| Return on assets (ROA) | 0.2805% | 4,521 |
| Pretax return on assets | 0.3007% | 4,544 |
| Return on Equity (ROE) | 1.8773% | 4,568 |
| Retained earnings to average equity (ytd only) | 1.8773% | 3,971 |
| Net charge-offs to loans | -0.0195% | 4,413 |
| Credit loss provision to net charge-offs | -1,201.9231% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8510% | 366 |
| Assets per employee ($millions) | 8.2697% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2721% | 310 |
| Loan loss allowance to noncurrent loans | 2,662.1019% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,356 |
| Noncurrent loans to loans | 0.0854% | 4,026 |
| Net loans and leases to total assets | 41.4058% | 4,518 |
| Net loans and leases to deposits | 51.1203% | 4,444 |
| Net loans and leases to core deposits | 52.3416% | 4,515 |
| Total domestic deposits to total assets | 80.9966% | 3,666 |
| Equity capital to assets | 13.9210% | 880 |
| Core capital (leverage) ratio | 13.9193% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4939% | 349 |
| Memoranda: | ||
| Average total assets | $798,061,500 | 1,043 |
| Average earning assets | $721,160,000 | 1,060 |
| Average equity | $119,244,250 | 822 |
| Average total loans | $356,312,000 | 1,486 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0711% | 4,802 |
| Cost of funding earning assets | 0.4461% | 3,812 |
| Net interest margin | 2.6250% | 4,630 |
| Noninterest income to average assets | 0.9731% | 1,031 |
| Noninterest expense to average assets | 2.8891% | 1,856 |
| Loan and lease loss provision to assets | 0.1033% | 2,980 |
| Net operating income to assets | 0.3036% | 4,416 |
| Return on assets (ROA) | 0.3888% | 4,315 |
| Pretax return on assets | 0.4392% | 4,352 |
| Return on Equity (ROE) | 2.5375% | 4,440 |
| Retained earnings to average equity (ytd only) | 2.5375% | 3,566 |
| Net charge-offs to loans | -0.0278% | 4,513 |
| Credit loss provision to net charge-offs | -816.3265% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6099% | 516 |
| Assets per employee ($millions) | 7.9703% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1934% | 337 |
| Loan loss allowance to noncurrent loans | 2,589.1720% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 3,426 |
| Noncurrent loans to loans | 0.0847% | 4,120 |
| Net loans and leases to total assets | 43.3177% | 4,489 |
| Net loans and leases to deposits | 53.9629% | 4,381 |
| Net loans and leases to core deposits | 55.3885% | 4,451 |
| Total domestic deposits to total assets | 80.2731% | 3,779 |
| Equity capital to assets | 14.4592% | 743 |
| Core capital (leverage) ratio | 14.6697% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6716% | 343 |
| Memoranda: | ||
| Average total assets | $774,642,333 | 1,052 |
| Average earning assets | $697,210,000 | 1,080 |
| Average equity | $118,699,333 | 817 |
| Average total loans | $352,451,667 | 1,483 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3034% | 4,808 |
| Cost of funding earning assets | 0.5272% | 3,811 |
| Net interest margin | 2.7762% | 4,591 |
| Noninterest income to average assets | 1.0604% | 758 |
| Noninterest expense to average assets | 3.2392% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2557% | 4,439 |
| Return on assets (ROA) | 0.3276% | 4,317 |
| Pretax return on assets | 0.4056% | 4,283 |
| Return on Equity (ROE) | 2.0724% | 4,431 |
| Retained earnings to average equity (ytd only) | 2.0724% | 3,425 |
| Net charge-offs to loans | -0.0524% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0893% | 457 |
| Assets per employee ($millions) | 7.4061% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 406 |
| Loan loss allowance to noncurrent loans | 3,259.9156% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 3,519 |
| Noncurrent loans to loans | 0.0659% | 4,276 |
| Net loans and leases to total assets | 45.6553% | 4,438 |
| Net loans and leases to deposits | 57.6275% | 4,296 |
| Net loans and leases to core deposits | 59.6664% | 4,372 |
| Total domestic deposits to total assets | 79.2248% | 4,006 |
| Equity capital to assets | 15.3357% | 704 |
| Core capital (leverage) ratio | 15.7330% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9970% | 391 |
| Memoranda: | ||
| Average total assets | $743,521,500 | 1,054 |
| Average earning assets | $668,396,500 | 1,079 |
| Average equity | $117,545,500 | 817 |
| Average total loans | $343,353,000 | 1,473 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 4,913 |
| Cost of funding earning assets | 0.5554% | 3,846 |
| Net interest margin | 2.8568% | 4,706 |
| Noninterest income to average assets | 1.0451% | 869 |
| Noninterest expense to average assets | 3.2559% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2779% | 4,772 |
| Return on assets (ROA) | 0.2947% | 4,786 |
| Pretax return on assets | 0.3556% | 4,762 |
| Return on Equity (ROE) | 1.7450% | 4,825 |
| Retained earnings to average equity (ytd only) | 1.7450% | 4,103 |
| Net charge-offs to loans | 0.0145% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 53.0233% | 1,077 |
| Efficiency ratio | 90.6603% | 329 |
| Assets per employee ($millions) | 6.6371% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3466% | 265 |
| Loan loss allowance to noncurrent loans | 3,173.9669% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 3,420 |
| Noncurrent loans to loans | 0.0739% | 4,232 |
| Net loans and leases to total assets | 44.5930% | 4,575 |
| Net loans and leases to deposits | 55.7224% | 4,467 |
| Net loans and leases to core deposits | 57.6939% | 4,535 |
| Total domestic deposits to total assets | 80.0270% | 3,972 |
| Equity capital to assets | 16.3182% | 550 |
| Core capital (leverage) ratio | 16.1820% | 498 |
| Tier 1 risk-based capital ratio | 27.0555% | 611 |
| Total risk-based capital ratio | 28.3125% | 602 |
| Memoranda: | ||
| Average total assets | $679,740,600 | 1,102 |
| Average earning assets | $605,857,800 | 1,137 |
| Average equity | $114,788,000 | 794 |
| Average total loans | $296,297,600 | 1,623 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,023 |
| Cost of funding earning assets | 0.5510% | 3,923 |
| Net interest margin | 2.8511% | 4,810 |
| Noninterest income to average assets | 1.0659% | 808 |
| Noninterest expense to average assets | 3.3206% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2378% | 4,914 |
| Return on assets (ROA) | 0.2645% | 4,903 |
| Pretax return on assets | 0.3088% | 4,898 |
| Return on Equity (ROE) | 1.5522% | 4,959 |
| Retained earnings to average equity (ytd only) | 1.5522% | 4,413 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2796% | 263 |
| Assets per employee ($millions) | 6.6776% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5958% | 198 |
| Loan loss allowance to noncurrent loans | 2,508.1169% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 3,394 |
| Noncurrent loans to loans | 0.1035% | 4,179 |
| Net loans and leases to total assets | 40.5700% | 4,798 |
| Net loans and leases to deposits | 51.5196% | 4,726 |
| Net loans and leases to core deposits | 53.2630% | 4,767 |
| Total domestic deposits to total assets | 78.7468% | 4,225 |
| Equity capital to assets | 16.2486% | 594 |
| Core capital (leverage) ratio | 16.5494% | 496 |
| Tier 1 risk-based capital ratio | 28.6399% | 529 |
| Total risk-based capital ratio | 29.8986% | 524 |
| Memoranda: | ||
| Average total assets | $670,474,250 | 1,113 |
| Average earning assets | $595,543,000 | 1,158 |
| Average equity | $114,242,500 | 792 |
| Average total loans | $288,540,500 | 1,662 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 5,084 |
| Cost of funding earning assets | 0.5253% | 4,009 |
| Net interest margin | 2.8688% | 4,854 |
| Noninterest income to average assets | 1.0701% | 746 |
| Noninterest expense to average assets | 3.3529% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2109% | 4,983 |
| Return on assets (ROA) | 0.2370% | 4,967 |
| Pretax return on assets | 0.2870% | 4,944 |
| Return on Equity (ROE) | 1.3677% | 5,015 |
| Retained earnings to average equity (ytd only) | 1.3677% | 4,331 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9175% | 261 |
| Assets per employee ($millions) | 6.2204% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7087% | 175 |
| Loan loss allowance to noncurrent loans | 3,017.5781% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 3,319 |
| Noncurrent loans to loans | 0.0898% | 4,284 |
| Net loans and leases to total assets | 42.0807% | 4,778 |
| Net loans and leases to deposits | 51.5364% | 4,757 |
| Net loans and leases to core deposits | 53.4110% | 4,796 |
| Total domestic deposits to total assets | 81.6523% | 3,619 |
| Equity capital to assets | 17.5157% | 425 |
| Core capital (leverage) ratio | 17.9345% | 350 |
| Tier 1 risk-based capital ratio | 29.1978% | 509 |
| Total risk-based capital ratio | 30.4570% | 501 |
| Memoranda: | ||
| Average total assets | $655,798,000 | 1,137 |
| Average earning assets | $580,246,000 | 1,187 |
| Average equity | $113,624,330 | 792 |
| Average total loans | $285,521,000 | 1,685 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3937% | 5,117 |
| Cost of funding earning assets | 0.5198% | 3,976 |
| Net interest margin | 2.8738% | 4,910 |
| Noninterest income to average assets | 1.0336% | 748 |
| Noninterest expense to average assets | 3.3920% | 1,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1597% | 5,043 |
| Return on assets (ROA) | 0.1841% | 5,028 |
| Pretax return on assets | 0.2165% | 5,022 |
| Return on Equity (ROE) | 1.0684% | 5,060 |
| Retained earnings to average equity (ytd only) | 1.0684% | 4,295 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7548% | 256 |
| Assets per employee ($millions) | 6.1466% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6672% | 201 |
| Loan loss allowance to noncurrent loans | 2,915.0943% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 3,360 |
| Noncurrent loans to loans | 0.0915% | 4,339 |
| Net loans and leases to total assets | 43.2684% | 4,773 |
| Net loans and leases to deposits | 52.9132% | 4,716 |
| Net loans and leases to core deposits | 54.5603% | 4,764 |
| Total domestic deposits to total assets | 81.7724% | 3,785 |
| Equity capital to assets | 17.4069% | 403 |
| Core capital (leverage) ratio | 17.7485% | 351 |
| Tier 1 risk-based capital ratio | 28.7104% | 526 |
| Total risk-based capital ratio | 29.9694% | 519 |
| Memoranda: | ||
| Average total assets | $654,013,500 | 1,150 |
| Average earning assets | $579,433,000 | 1,189 |
| Average equity | $112,690,000 | 792 |
| Average total loans | $285,686,000 | 1,689 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 5,194 |
| Cost of funding earning assets | 0.3971% | 3,999 |
| Net interest margin | 2.6964% | 5,102 |
| Noninterest income to average assets | 2.4890% | 198 |
| Noninterest expense to average assets | 3.6649% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9873% | 3,067 |
| Return on assets (ROA) | 0.9423% | 3,265 |
| Pretax return on assets | 1.1782% | 2,975 |
| Return on Equity (ROE) | 5.6010% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.6010% | 2,414 |
| Net charge-offs to loans | -0.0408% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8038% | 1,523 |
| Assets per employee ($millions) | 6.3124% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7419% | 178 |
| Loan loss allowance to noncurrent loans | 2,778.7770% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 3,320 |
| Noncurrent loans to loans | 0.0987% | 4,293 |
| Net loans and leases to total assets | 41.7390% | 4,887 |
| Net loans and leases to deposits | 50.8424% | 4,860 |
| Net loans and leases to core deposits | 52.9467% | 4,877 |
| Total domestic deposits to total assets | 82.0948% | 3,620 |
| Equity capital to assets | 17.0555% | 413 |
| Core capital (leverage) ratio | 17.9067% | 337 |
| Tier 1 risk-based capital ratio | 30.1335% | 471 |
| Total risk-based capital ratio | 31.3935% | 460 |
| Memoranda: | ||
| Average total assets | $639,724,600 | 1,133 |
| Average earning assets | $571,834,800 | 1,179 |
| Average equity | $107,623,600 | 795 |
| Average total loans | $259,564,200 | 1,783 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0318% | 5,275 |
| Cost of funding earning assets | 0.3753% | 4,020 |
| Net interest margin | 2.6565% | 5,191 |
| Noninterest income to average assets | 2.9230% | 162 |
| Noninterest expense to average assets | 3.6745% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2411% | 2,080 |
| Return on assets (ROA) | 1.2424% | 2,078 |
| Pretax return on assets | 1.6204% | 1,511 |
| Return on Equity (ROE) | 7.4113% | 3,783 |
| Retained earnings to average equity (ytd only) | 7.4113% | 1,923 |
| Net charge-offs to loans | -0.0556% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4186% | 2,283 |
| Assets per employee ($millions) | 5.8337% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8251% | 164 |
| Loan loss allowance to noncurrent loans | 6,331.9672% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 3,366 |
| Noncurrent loans to loans | 0.0446% | 4,701 |
| Net loans and leases to total assets | 41.7873% | 4,971 |
| Net loans and leases to deposits | 51.0805% | 4,916 |
| Net loans and leases to core deposits | 53.1556% | 4,932 |
| Total domestic deposits to total assets | 81.8067% | 3,667 |
| Equity capital to assets | 17.3686% | 395 |
| Core capital (leverage) ratio | 17.7975% | 345 |
| Tier 1 risk-based capital ratio | 30.9618% | 433 |
| Total risk-based capital ratio | 32.2227% | 430 |
| Memoranda: | ||
| Average total assets | $635,532,750 | 1,145 |
| Average earning assets | $567,039,500 | 1,190 |
| Average equity | $106,537,500 | 799 |
| Average total loans | $254,020,750 | 1,814 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9588% | 5,346 |
| Cost of funding earning assets | 0.3594% | 4,011 |
| Net interest margin | 2.5994% | 5,275 |
| Noninterest income to average assets | 1.8275% | 309 |
| Noninterest expense to average assets | 3.2108% | 1,511 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7213% | 4,133 |
| Return on assets (ROA) | 0.7233% | 4,133 |
| Pretax return on assets | 0.9320% | 3,870 |
| Return on Equity (ROE) | 4.3673% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.3673% | 3,415 |
| Net charge-offs to loans | -0.0840% | 5,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5506% | 1,240 |
| Assets per employee ($millions) | 6.1838% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0397% | 134 |
| Loan loss allowance to noncurrent loans | 2,635.8362% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.3548% | 3,329 |
| Noncurrent loans to loans | 0.1153% | 4,392 |
| Net loans and leases to total assets | 38.6779% | 5,105 |
| Net loans and leases to deposits | 46.8262% | 5,066 |
| Net loans and leases to core deposits | 48.5946% | 5,075 |
| Total domestic deposits to total assets | 82.5988% | 3,526 |
| Equity capital to assets | 16.7011% | 428 |
| Core capital (leverage) ratio | 17.3731% | 358 |
| Tier 1 risk-based capital ratio | 32.3117% | 398 |
| Total risk-based capital ratio | 33.5749% | 397 |
| Memoranda: | ||
| Average total assets | $635,419,330 | 1,145 |
| Average earning assets | $565,361,000 | 1,189 |
| Average equity | $105,236,000 | 808 |
| Average total loans | $247,548,000 | 1,850 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9004% | 5,416 |
| Cost of funding earning assets | 0.3687% | 3,842 |
| Net interest margin | 2.5317% | 5,371 |
| Noninterest income to average assets | 0.9794% | 954 |
| Noninterest expense to average assets | 3.1103% | 1,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1155% | 5,319 |
| Return on assets (ROA) | 0.1204% | 5,314 |
| Pretax return on assets | 0.1248% | 5,323 |
| Return on Equity (ROE) | 0.7299% | 5,330 |
| Retained earnings to average equity (ytd only) | 0.7299% | 4,681 |
| Net charge-offs to loans | -0.0049% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2927% | 247 |
| Assets per employee ($millions) | 6.4372% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1109% | 139 |
| Loan loss allowance to noncurrent loans | 5,014.4737% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 3,517 |
| Noncurrent loans to loans | 0.0620% | 4,701 |
| Net loans and leases to total assets | 36.8776% | 5,178 |
| Net loans and leases to deposits | 44.2838% | 5,149 |
| Net loans and leases to core deposits | 46.3939% | 5,150 |
| Total domestic deposits to total assets | 83.2756% | 3,589 |
| Equity capital to assets | 16.2222% | 470 |
| Core capital (leverage) ratio | 16.8879% | 397 |
| Tier 1 risk-based capital ratio | 31.8445% | 410 |
| Total risk-based capital ratio | 33.1076% | 403 |
| Memoranda: | ||
| Average total assets | $634,665,500 | 1,159 |
| Average earning assets | $564,196,000 | 1,199 |
| Average equity | $104,667,000 | 814 |
| Average total loans | $244,285,500 | 1,882 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7309% | 5,486 |
| Cost of funding earning assets | 0.3110% | 4,030 |
| Net interest margin | 2.4199% | 5,451 |
| Noninterest income to average assets | 1.4663% | 490 |
| Noninterest expense to average assets | 2.8562% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3238% | 4,886 |
| Return on assets (ROA) | 0.3251% | 4,903 |
| Pretax return on assets | 0.7571% | 4,371 |
| Return on Equity (ROE) | 1.9953% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.9953% | 4,125 |
| Net charge-offs to loans | -0.0278% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0949% | 1,208 |
| Assets per employee ($millions) | 6.6555% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1282% | 125 |
| Loan loss allowance to noncurrent loans | 4,791.8239% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 3,505 |
| Noncurrent loans to loans | 0.0653% | 4,698 |
| Net loans and leases to total assets | 37.7137% | 5,232 |
| Net loans and leases to deposits | 45.7919% | 5,202 |
| Net loans and leases to core deposits | 47.8880% | 5,194 |
| Total domestic deposits to total assets | 82.3589% | 3,771 |
| Equity capital to assets | 16.7690% | 417 |
| Core capital (leverage) ratio | 16.5198% | 413 |
| Tier 1 risk-based capital ratio | 31.9520% | 391 |
| Total risk-based capital ratio | 33.2154% | 390 |
| Memoranda: | ||
| Average total assets | $648,025,800 | 1,125 |
| Average earning assets | $574,356,200 | 1,153 |
| Average equity | $105,599,200 | 777 |
| Average total loans | $233,980,800 | 1,913 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6815% | 5,567 |
| Cost of funding earning assets | 0.2973% | 4,160 |
| Net interest margin | 2.3842% | 5,534 |
| Noninterest income to average assets | 1.6325% | 413 |
| Noninterest expense to average assets | 2.8021% | 2,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6235% | 4,299 |
| Return on assets (ROA) | 0.6254% | 4,345 |
| Pretax return on assets | 0.9400% | 3,897 |
| Return on Equity (ROE) | 3.8648% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.8648% | 3,624 |
| Net charge-offs to loans | -0.0351% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9386% | 1,754 |
| Assets per employee ($millions) | 6.4148% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2082% | 128 |
| Loan loss allowance to noncurrent loans | 4,559.8802% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.3294% | 3,737 |
| Noncurrent loans to loans | 0.0704% | 4,795 |
| Net loans and leases to total assets | 35.4601% | 5,370 |
| Net loans and leases to deposits | 42.8124% | 5,342 |
| Net loans and leases to core deposits | 44.8786% | 5,345 |
| Total domestic deposits to total assets | 82.8268% | 3,515 |
| Equity capital to assets | 16.5050% | 484 |
| Core capital (leverage) ratio | 16.6989% | 408 |
| Tier 1 risk-based capital ratio | 32.1165% | 415 |
| Total risk-based capital ratio | 33.3795% | 405 |
| Memoranda: | ||
| Average total assets | $653,629,000 | 1,118 |
| Average earning assets | $577,564,500 | 1,159 |
| Average equity | $105,771,750 | 775 |
| Average total loans | $231,585,750 | 1,936 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6329% | 5,622 |
| Cost of funding earning assets | 0.2863% | 4,223 |
| Net interest margin | 2.3466% | 5,593 |
| Noninterest income to average assets | 1.9794% | 316 |
| Noninterest expense to average assets | 2.7531% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8585% | 3,123 |
| Return on assets (ROA) | 0.8613% | 3,162 |
| Pretax return on assets | 1.3210% | 2,305 |
| Return on Equity (ROE) | 5.3575% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.3575% | 2,493 |
| Net charge-offs to loans | -0.0488% | 5,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6462% | 3,072 |
| Assets per employee ($millions) | 6.6382% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3070% | 124 |
| Loan loss allowance to noncurrent loans | 4,348.5714% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 3,809 |
| Noncurrent loans to loans | 0.0760% | 4,829 |
| Net loans and leases to total assets | 34.2033% | 5,437 |
| Net loans and leases to deposits | 41.2862% | 5,414 |
| Net loans and leases to core deposits | 43.2584% | 5,409 |
| Total domestic deposits to total assets | 82.8445% | 3,615 |
| Equity capital to assets | 16.4288% | 480 |
| Core capital (leverage) ratio | 16.2501% | 444 |
| Tier 1 risk-based capital ratio | 33.1495% | 357 |
| Total risk-based capital ratio | 34.4134% | 352 |
| Memoranda: | ||
| Average total assets | $655,540,670 | 1,114 |
| Average earning assets | $584,005,670 | 1,150 |
| Average equity | $105,384,000 | 782 |
| Average total loans | $229,661,330 | 1,945 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5830% | 5,691 |
| Cost of funding earning assets | 0.2744% | 4,309 |
| Net interest margin | 2.3086% | 5,658 |
| Noninterest income to average assets | 3.1846% | 189 |
| Noninterest expense to average assets | 2.5749% | 3,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7075% | 541 |
| Return on assets (ROA) | 1.7075% | 551 |
| Pretax return on assets | 2.6704% | 172 |
| Return on Equity (ROE) | 10.7380% | 1,661 |
| Retained earnings to average equity (ytd only) | 10.7380% | 657 |
| Net charge-offs to loans | 0.0192% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 399.3636% | 146 |
| Efficiency ratio | 49.0903% | 5,418 |
| Assets per employee ($millions) | 6.8699% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2610% | 137 |
| Loan loss allowance to noncurrent loans | 4,167.4033% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 3,893 |
| Noncurrent loans to loans | 0.0783% | 4,883 |
| Net loans and leases to total assets | 33.9285% | 5,474 |
| Net loans and leases to deposits | 40.9986% | 5,435 |
| Net loans and leases to core deposits | 42.9680% | 5,441 |
| Total domestic deposits to total assets | 82.7552% | 3,928 |
| Equity capital to assets | 16.1120% | 474 |
| Core capital (leverage) ratio | 16.3616% | 420 |
| Tier 1 risk-based capital ratio | 33.6966% | 361 |
| Total risk-based capital ratio | 34.9607% | 356 |
| Memoranda: | ||
| Average total assets | $658,040,000 | 1,111 |
| Average earning assets | $587,375,500 | 1,144 |
| Average equity | $104,638,000 | 783 |
| Average total loans | $229,433,500 | 1,959 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5405% | 5,744 |
| Cost of funding earning assets | 0.2712% | 4,353 |
| Net interest margin | 2.2693% | 5,724 |
| Noninterest income to average assets | 1.6507% | 436 |
| Noninterest expense to average assets | 2.5553% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7258% | 3,662 |
| Return on assets (ROA) | 0.7243% | 3,786 |
| Pretax return on assets | 1.0913% | 3,139 |
| Return on Equity (ROE) | 4.6912% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.6912% | 2,552 |
| Net charge-offs to loans | -0.0900% | 5,557 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0293% | 2,898 |
| Assets per employee ($millions) | 6.8392% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3195% | 127 |
| Loan loss allowance to noncurrent loans | 1,370.9619% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 3,733 |
| Noncurrent loans to loans | 0.2421% | 4,286 |
| Net loans and leases to total assets | 33.5087% | 5,561 |
| Net loans and leases to deposits | 40.3980% | 5,537 |
| Net loans and leases to core deposits | 42.7269% | 5,528 |
| Total domestic deposits to total assets | 82.9466% | 3,787 |
| Equity capital to assets | 15.6900% | 538 |
| Core capital (leverage) ratio | 15.6075% | 517 |
| Tier 1 risk-based capital ratio | 33.5916% | 360 |
| Total risk-based capital ratio | 34.8566% | 353 |
| Memoranda: | ||
| Average total assets | $663,674,600 | 1,067 |
| Average earning assets | $584,421,800 | 1,112 |
| Average equity | $102,468,200 | 772 |
| Average total loans | $228,830,000 | 1,913 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5514% | 5,805 |
| Cost of funding earning assets | 0.2704% | 4,389 |
| Net interest margin | 2.2811% | 5,785 |
| Noninterest income to average assets | 1.7157% | 425 |
| Noninterest expense to average assets | 2.4428% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8364% | 3,210 |
| Return on assets (ROA) | 0.8351% | 3,341 |
| Pretax return on assets | 1.2691% | 2,539 |
| Return on Equity (ROE) | 5.4306% | 4,341 |
| Retained earnings to average equity (ytd only) | 5.4306% | 2,528 |
| Net charge-offs to loans | -0.1047% | 5,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7747% | 3,629 |
| Assets per employee ($millions) | 7.1905% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2811% | 137 |
| Loan loss allowance to noncurrent loans | 1,346.6905% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 3,849 |
| Noncurrent loans to loans | 0.2436% | 4,398 |
| Net loans and leases to total assets | 33.5451% | 5,638 |
| Net loans and leases to deposits | 40.6240% | 5,615 |
| Net loans and leases to core deposits | 42.9399% | 5,612 |
| Total domestic deposits to total assets | 82.5746% | 3,751 |
| Equity capital to assets | 15.8273% | 579 |
| Core capital (leverage) ratio | 15.8151% | 508 |
| Tier 1 risk-based capital ratio | 32.7194% | 391 |
| Total risk-based capital ratio | 33.9834% | 387 |
| Memoranda: | ||
| Average total assets | $665,451,750 | 1,066 |
| Average earning assets | $582,924,000 | 1,117 |
| Average equity | $102,331,500 | 778 |
| Average total loans | $229,147,250 | 1,914 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5377% | 5,891 |
| Cost of funding earning assets | 0.2692% | 4,448 |
| Net interest margin | 2.2685% | 5,876 |
| Noninterest income to average assets | 1.6447% | 461 |
| Noninterest expense to average assets | 2.3967% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8098% | 3,266 |
| Return on assets (ROA) | 0.8078% | 3,407 |
| Pretax return on assets | 1.2241% | 2,687 |
| Return on Equity (ROE) | 5.3042% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.3042% | 2,539 |
| Net charge-offs to loans | -0.1161% | 5,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1369% | 3,663 |
| Assets per employee ($millions) | 7.6984% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3191% | 143 |
| Loan loss allowance to noncurrent loans | 1,340.6810% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 3,956 |
| Noncurrent loans to loans | 0.2476% | 4,466 |
| Net loans and leases to total assets | 32.1658% | 5,737 |
| Net loans and leases to deposits | 38.6883% | 5,729 |
| Net loans and leases to core deposits | 40.8348% | 5,716 |
| Total domestic deposits to total assets | 83.1410% | 3,596 |
| Equity capital to assets | 15.3008% | 671 |
| Core capital (leverage) ratio | 15.4628% | 532 |
| Tier 1 risk-based capital ratio | 32.2974% | 407 |
| Total risk-based capital ratio | 33.5615% | 396 |
| Memoranda: | ||
| Average total assets | $666,760,000 | 1,064 |
| Average earning assets | $581,716,330 | 1,125 |
| Average equity | $101,541,330 | 783 |
| Average total loans | $229,050,330 | 1,921 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5535% | 5,950 |
| Cost of funding earning assets | 0.2642% | 4,560 |
| Net interest margin | 2.2892% | 5,933 |
| Noninterest income to average assets | 1.5796% | 469 |
| Noninterest expense to average assets | 2.4384% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7726% | 3,383 |
| Return on assets (ROA) | 0.7687% | 3,509 |
| Pretax return on assets | 1.1575% | 2,860 |
| Return on Equity (ROE) | 5.0595% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.0595% | 2,901 |
| Net charge-offs to loans | -0.0208% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6964% | 3,515 |
| Assets per employee ($millions) | 7.5574% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3407% | 159 |
| Loan loss allowance to noncurrent loans | 3,521.5311% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 4,270 |
| Noncurrent loans to loans | 0.0949% | 5,093 |
| Net loans and leases to total assets | 30.6277% | 5,813 |
| Net loans and leases to deposits | 36.8898% | 5,807 |
| Net loans and leases to core deposits | 38.9056% | 5,797 |
| Total domestic deposits to total assets | 83.0249% | 3,885 |
| Equity capital to assets | 14.5906% | 806 |
| Core capital (leverage) ratio | 15.8015% | 500 |
| Tier 1 risk-based capital ratio | 33.5087% | 379 |
| Total risk-based capital ratio | 34.7739% | 371 |
| Memoranda: | ||
| Average total assets | $661,412,500 | 1,072 |
| Average earning assets | $584,296,500 | 1,116 |
| Average equity | $100,484,000 | 791 |
| Average total loans | $230,880,500 | 1,909 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6244% | 5,956 |
| Cost of funding earning assets | 0.2575% | 4,711 |
| Net interest margin | 2.3668% | 5,911 |
| Noninterest income to average assets | 1.4104% | 608 |
| Noninterest expense to average assets | 3.1355% | 2,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2810% | 5,408 |
| Return on assets (ROA) | 0.2800% | 5,489 |
| Pretax return on assets | 0.3916% | 5,332 |
| Return on Equity (ROE) | 1.7906% | 5,624 |
| Retained earnings to average equity (ytd only) | 1.5998% | 4,807 |
| Net charge-offs to loans | -0.0472% | 5,532 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8611% | 768 |
| Assets per employee ($millions) | 6.6057% | 1,044 |
| Cash dividends to net income (ytd only)* | 10.6539% | 4,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0433% | 213 |
| Loan loss allowance to noncurrent loans | 3,417.6744% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 4,149 |
| Noncurrent loans to loans | 0.0890% | 5,141 |
| Net loans and leases to total assets | 37.3049% | 5,653 |
| Net loans and leases to deposits | 45.1557% | 5,607 |
| Net loans and leases to core deposits | 47.5839% | 5,581 |
| Total domestic deposits to total assets | 82.6139% | 3,969 |
| Equity capital to assets | 15.8591% | 535 |
| Core capital (leverage) ratio | 15.6791% | 507 |
| Tier 1 risk-based capital ratio | 31.7789% | 435 |
| Total risk-based capital ratio | 33.0430% | 431 |
| Memoranda: | ||
| Average total assets | $633,524,600 | 1,080 |
| Average earning assets | $566,959,400 | 1,102 |
| Average equity | $99,074,200 | 776 |
| Average total loans | $233,062,600 | 1,848 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5531% | 6,064 |
| Cost of funding earning assets | 0.2604% | 4,769 |
| Net interest margin | 2.2927% | 6,037 |
| Noninterest income to average assets | 1.7292% | 442 |
| Noninterest expense to average assets | 3.3088% | 1,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3228% | 5,392 |
| Return on assets (ROA) | 0.3229% | 5,473 |
| Pretax return on assets | 0.4724% | 5,286 |
| Return on Equity (ROE) | 2.0721% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.0721% | 4,842 |
| Net charge-offs to loans | -0.0496% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5111% | 888 |
| Assets per employee ($millions) | 6.8946% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1612% | 206 |
| Loan loss allowance to noncurrent loans | 1,179.3881% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 3,986 |
| Noncurrent loans to loans | 0.2680% | 4,623 |
| Net loans and leases to total assets | 34.9910% | 5,817 |
| Net loans and leases to deposits | 43.0053% | 5,762 |
| Net loans and leases to core deposits | 45.4462% | 5,748 |
| Total domestic deposits to total assets | 81.3645% | 4,373 |
| Equity capital to assets | 15.6353% | 626 |
| Core capital (leverage) ratio | 15.7492% | 525 |
| Tier 1 risk-based capital ratio | 32.8055% | 419 |
| Total risk-based capital ratio | 34.0704% | 413 |
| Memoranda: | ||
| Average total assets | $635,020,750 | 1,086 |
| Average earning assets | $568,284,500 | 1,107 |
| Average equity | $98,962,250 | 782 |
| Average total loans | $230,965,500 | 1,868 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5194% | 6,155 |
| Cost of funding earning assets | 0.2601% | 4,830 |
| Net interest margin | 2.2593% | 6,121 |
| Noninterest income to average assets | 0.6847% | 2,282 |
| Noninterest expense to average assets | 2.6640% | 3,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0793% | 5,904 |
| Return on assets (ROA) | 0.0796% | 5,947 |
| Pretax return on assets | 0.0686% | 5,962 |
| Return on Equity (ROE) | 0.5115% | 5,963 |
| Retained earnings to average equity (ytd only) | 0.5115% | 5,348 |
| Net charge-offs to loans | -0.0581% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5020% | 392 |
| Assets per employee ($millions) | 6.7076% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1121% | 246 |
| Loan loss allowance to noncurrent loans | 824.4921% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 3,504 |
| Noncurrent loans to loans | 0.3775% | 4,354 |
| Net loans and leases to total assets | 36.4577% | 5,795 |
| Net loans and leases to deposits | 44.5005% | 5,743 |
| Net loans and leases to core deposits | 46.9220% | 5,724 |
| Total domestic deposits to total assets | 81.9265% | 4,310 |
| Equity capital to assets | 15.8199% | 549 |
| Core capital (leverage) ratio | 15.9098% | 479 |
| Tier 1 risk-based capital ratio | 31.1580% | 487 |
| Total risk-based capital ratio | 32.4215% | 481 |
| Memoranda: | ||
| Average total assets | $632,962,330 | 1,092 |
| Average earning assets | $573,630,330 | 1,102 |
| Average equity | $98,532,000 | 786 |
| Average total loans | $230,725,670 | 1,880 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4296% | 6,250 |
| Cost of funding earning assets | 0.2646% | 4,855 |
| Net interest margin | 2.1650% | 6,225 |
| Noninterest income to average assets | 0.6908% | 2,202 |
| Noninterest expense to average assets | 2.6245% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0784% | 5,916 |
| Return on assets (ROA) | 0.0791% | 5,964 |
| Pretax return on assets | 0.0690% | 5,978 |
| Return on Equity (ROE) | 0.5119% | 5,986 |
| Retained earnings to average equity (ytd only) | 0.5119% | 5,220 |
| Net charge-offs to loans | -0.1329% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4604% | 450 |
| Assets per employee ($millions) | 6.4859% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1490% | 260 |
| Loan loss allowance to noncurrent loans | 386.1668% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6991% | 3,390 |
| Noncurrent loans to loans | 0.8155% | 3,209 |
| Net loans and leases to total assets | 35.7549% | 5,840 |
| Net loans and leases to deposits | 43.8055% | 5,768 |
| Net loans and leases to core deposits | 46.1985% | 5,749 |
| Total domestic deposits to total assets | 81.6219% | 4,631 |
| Equity capital to assets | 15.7241% | 586 |
| Core capital (leverage) ratio | 15.4738% | 538 |
| Tier 1 risk-based capital ratio | 34.4339% | 381 |
| Total risk-based capital ratio | 35.7006% | 373 |
| Memoranda: | ||
| Average total assets | $637,539,500 | 1,091 |
| Average earning assets | $589,559,500 | 1,078 |
| Average equity | $98,455,000 | 788 |
| Average total loans | $228,723,000 | 1,883 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5407% | 6,320 |
| Cost of funding earning assets | 0.3015% | 4,779 |
| Net interest margin | 2.2392% | 6,293 |
| Noninterest income to average assets | 0.7067% | 2,270 |
| Noninterest expense to average assets | 2.6745% | 3,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0907% | 5,966 |
| Return on assets (ROA) | 0.0964% | 5,989 |
| Pretax return on assets | 0.0884% | 6,000 |
| Return on Equity (ROE) | 0.6046% | 6,023 |
| Retained earnings to average equity (ytd only) | -0.6691% | 5,874 |
| Net charge-offs to loans | -0.0587% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0009% | 470 |
| Assets per employee ($millions) | 6.5247% | 1,039 |
| Cash dividends to net income (ytd only)* | 210.6599% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2142% | 238 |
| Loan loss allowance to noncurrent loans | 295.5492% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 3,300 |
| Noncurrent loans to loans | 1.0876% | 2,649 |
| Net loans and leases to total assets | 33.7409% | 6,049 |
| Net loans and leases to deposits | 40.9140% | 6,003 |
| Net loans and leases to core deposits | 43.3276% | 5,980 |
| Total domestic deposits to total assets | 82.4680% | 4,265 |
| Equity capital to assets | 15.1691% | 678 |
| Core capital (leverage) ratio | 15.6628% | 509 |
| Tier 1 risk-based capital ratio | 37.0754% | 284 |
| Total risk-based capital ratio | 38.3445% | 273 |
| Memoranda: | ||
| Average total assets | $613,118,400 | 1,082 |
| Average earning assets | $561,461,200 | 1,082 |
| Average equity | $97,742,600 | 750 |
| Average total loans | $209,469,800 | 1,977 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5965% | 6,377 |
| Cost of funding earning assets | 0.3114% | 4,762 |
| Net interest margin | 2.2851% | 6,344 |
| Noninterest income to average assets | 0.7018% | 2,321 |
| Noninterest expense to average assets | 2.6725% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1192% | 5,998 |
| Return on assets (ROA) | 0.1036% | 6,054 |
| Pretax return on assets | 0.0985% | 6,058 |
| Return on Equity (ROE) | 0.6415% | 6,082 |
| Retained earnings to average equity (ytd only) | -0.8858% | 5,948 |
| Net charge-offs to loans | -0.0668% | 6,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9029% | 512 |
| Assets per employee ($millions) | 6.2879% | 1,159 |
| Cash dividends to net income (ytd only)* | 238.0851% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3967% | 247 |
| Loan loss allowance to noncurrent loans | 276.5517% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 3,322 |
| Noncurrent loans to loans | 1.2282% | 2,593 |
| Net loans and leases to total assets | 33.6569% | 6,126 |
| Net loans and leases to deposits | 41.0688% | 6,084 |
| Net loans and leases to core deposits | 43.7847% | 6,045 |
| Total domestic deposits to total assets | 81.9525% | 4,494 |
| Equity capital to assets | 16.0383% | 559 |
| Core capital (leverage) ratio | 15.9720% | 483 |
| Tier 1 risk-based capital ratio | 39.2537% | 256 |
| Total risk-based capital ratio | 40.5246% | 253 |
| Memoranda: | ||
| Average total assets | $604,912,250 | 1,102 |
| Average earning assets | $551,916,750 | 1,104 |
| Average equity | $97,682,250 | 749 |
| Average total loans | $205,541,000 | 2,018 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5958% | 6,443 |
| Cost of funding earning assets | 0.3163% | 4,810 |
| Net interest margin | 2.2795% | 6,419 |
| Noninterest income to average assets | 0.7218% | 2,177 |
| Noninterest expense to average assets | 2.7074% | 3,834 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1154% | 6,016 |
| Return on assets (ROA) | 0.0918% | 6,090 |
| Pretax return on assets | 0.0792% | 6,119 |
| Return on Equity (ROE) | 0.5674% | 6,137 |
| Retained earnings to average equity (ytd only) | -0.0574% | 5,692 |
| Net charge-offs to loans | 0.1624% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.8788% | 3,693 |
| Efficiency ratio | 96.3426% | 544 |
| Assets per employee ($millions) | 6.4335% | 1,044 |
| Cash dividends to net income (ytd only)* | 110.1083% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2502% | 289 |
| Loan loss allowance to noncurrent loans | 227.7195% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9096% | 3,269 |
| Noncurrent loans to loans | 1.4273% | 2,418 |
| Net loans and leases to total assets | 33.8497% | 6,154 |
| Net loans and leases to deposits | 41.4547% | 6,092 |
| Net loans and leases to core deposits | 44.1269% | 6,060 |
| Total domestic deposits to total assets | 81.6548% | 4,765 |
| Equity capital to assets | 16.1079% | 533 |
| Core capital (leverage) ratio | 16.1114% | 461 |
| Tier 1 risk-based capital ratio | 40.6189% | 230 |
| Total risk-based capital ratio | 41.8895% | 225 |
| Memoranda: | ||
| Average total assets | $603,242,000 | 1,108 |
| Average earning assets | $552,668,330 | 1,102 |
| Average equity | $97,636,000 | 749 |
| Average total loans | $203,221,670 | 2,026 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6141% | 6,510 |
| Cost of funding earning assets | 0.3272% | 4,767 |
| Net interest margin | 2.2869% | 6,481 |
| Noninterest income to average assets | 0.7082% | 2,136 |
| Noninterest expense to average assets | 2.7206% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0928% | 6,046 |
| Return on assets (ROA) | 0.0567% | 6,134 |
| Pretax return on assets | 0.0274% | 6,183 |
| Return on Equity (ROE) | 0.3497% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.3497% | 5,430 |
| Net charge-offs to loans | 0.1698% | 1,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1310% | 3,173 |
| Efficiency ratio | 97.7224% | 557 |
| Assets per employee ($millions) | 6.2582% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4917% | 269 |
| Loan loss allowance to noncurrent loans | 203.9153% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0976% | 3,059 |
| Noncurrent loans to loans | 1.7123% | 2,267 |
| Net loans and leases to total assets | 32.0132% | 6,269 |
| Net loans and leases to deposits | 39.2093% | 6,197 |
| Net loans and leases to core deposits | 41.8878% | 6,163 |
| Total domestic deposits to total assets | 81.6470% | 5,042 |
| Equity capital to assets | 16.1138% | 511 |
| Core capital (leverage) ratio | 16.2124% | 456 |
| Tier 1 risk-based capital ratio | 40.6525% | 225 |
| Total risk-based capital ratio | 41.9233% | 222 |
| Memoranda: | ||
| Average total assets | $599,274,000 | 1,123 |
| Average earning assets | $543,969,000 | 1,124 |
| Average equity | $97,230,000 | 753 |
| Average total loans | $197,916,500 | 2,071 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8772% | 6,444 |
| Cost of funding earning assets | 0.4991% | 3,623 |
| Net interest margin | 2.3782% | 6,469 |
| Noninterest income to average assets | 9.8911% | 69 |
| Noninterest expense to average assets | 3.5476% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 5.3795% | 42 |
| Return on assets (ROA) | 4.3107% | 59 |
| Pretax return on assets | 6.8329% | 43 |
| Return on Equity (ROE) | 30.7362% | 69 |
| Retained earnings to average equity (ytd only) | 26.7419% | 41 |
| Net charge-offs to loans | 0.7484% | 855 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 32.6743% | 1,100 |
| Efficiency ratio | 29.4390% | 6,765 |
| Assets per employee ($millions) | 6.2926% | 1,088 |
| Cash dividends to net income (ytd only)* | 12.9954% | 3,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6587% | 254 |
| Loan loss allowance to noncurrent loans | 220.0062% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.1008% | 3,208 |
| Noncurrent loans to loans | 1.6630% | 2,412 |
| Net loans and leases to total assets | 31.6739% | 6,404 |
| Net loans and leases to deposits | 39.0070% | 6,339 |
| Net loans and leases to core deposits | 42.0553% | 6,305 |
| Total domestic deposits to total assets | 81.2007% | 5,120 |
| Equity capital to assets | 16.3384% | 475 |
| Core capital (leverage) ratio | 15.5329% | 535 |
| Tier 1 risk-based capital ratio | 41.8330% | 202 |
| Total risk-based capital ratio | 43.1061% | 199 |
| Memoranda: | ||
| Average total assets | $601,764,400 | 1,104 |
| Average earning assets | $546,431,400 | 1,106 |
| Average equity | $84,395,600 | 845 |
| Average total loans | $209,243,600 | 1,932 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9898% | 6,431 |
| Cost of funding earning assets | 0.5464% | 3,299 |
| Net interest margin | 2.4433% | 6,479 |
| Noninterest income to average assets | 12.8370% | 55 |
| Noninterest expense to average assets | 3.8748% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 7.0496% | 29 |
| Return on assets (ROA) | 5.6306% | 36 |
| Pretax return on assets | 8.9487% | 29 |
| Return on Equity (ROE) | 41.8363% | 24 |
| Retained earnings to average equity (ytd only) | 36.4742% | 20 |
| Net charge-offs to loans | 0.9968% | 571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 31.7909% | 1,189 |
| Efficiency ratio | 25.7620% | 6,854 |
| Assets per employee ($millions) | 6.3113% | 1,035 |
| Cash dividends to net income (ytd only)* | 12.8169% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5571% | 321 |
| Loan loss allowance to noncurrent loans | 180.7035% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 1.1852% | 3,288 |
| Noncurrent loans to loans | 1.9685% | 2,290 |
| Net loans and leases to total assets | 31.7231% | 6,466 |
| Net loans and leases to deposits | 39.9002% | 6,387 |
| Net loans and leases to core deposits | 43.0323% | 6,346 |
| Total domestic deposits to total assets | 79.5060% | 5,627 |
| Equity capital to assets | 15.9677% | 558 |
| Core capital (leverage) ratio | 14.1873% | 821 |
| Tier 1 risk-based capital ratio | 38.1063% | 267 |
| Total risk-based capital ratio | 39.3798% | 262 |
| Memoranda: | ||
| Average total assets | $604,330,000 | 1,108 |
| Average earning assets | $545,090,000 | 1,120 |
| Average equity | $81,334,000 | 884 |
| Average total loans | $212,937,750 | 1,912 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0652% | 6,381 |
| Cost of funding earning assets | 0.5837% | 3,095 |
| Net interest margin | 2.4815% | 6,468 |
| Noninterest income to average assets | 0.7708% | 2,322 |
| Noninterest expense to average assets | 2.5922% | 4,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3105% | 5,574 |
| Return on assets (ROA) | 0.3405% | 5,613 |
| Pretax return on assets | 0.4670% | 5,471 |
| Return on Equity (ROE) | 2.6983% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.6983% | 4,592 |
| Net charge-offs to loans | 1.2221% | 468 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.9676% | 4,207 |
| Efficiency ratio | 85.8867% | 1,420 |
| Assets per employee ($millions) | 5.8913% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5801% | 347 |
| Loan loss allowance to noncurrent loans | 153.9686% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 3,101 |
| Noncurrent loans to loans | 2.3252% | 2,028 |
| Net loans and leases to total assets | 32.9511% | 6,462 |
| Net loans and leases to deposits | 40.9194% | 6,370 |
| Net loans and leases to core deposits | 43.8975% | 6,333 |
| Total domestic deposits to total assets | 80.5270% | 5,469 |
| Equity capital to assets | 12.0531% | 1,880 |
| Core capital (leverage) ratio | 11.2249% | 2,151 |
| Tier 1 risk-based capital ratio | 28.8099% | 584 |
| Total risk-based capital ratio | 30.0836% | 569 |
| Memoranda: | ||
| Average total assets | $603,813,000 | 1,112 |
| Average earning assets | $546,856,670 | 1,117 |
| Average equity | $76,197,000 | 953 |
| Average total loans | $217,486,000 | 1,878 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0797% | 6,420 |
| Cost of funding earning assets | 0.5831% | 3,268 |
| Net interest margin | 2.4966% | 6,515 |
| Noninterest income to average assets | 0.7402% | 2,374 |
| Noninterest expense to average assets | 2.5695% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3133% | 5,524 |
| Return on assets (ROA) | 0.3390% | 5,543 |
| Pretax return on assets | 0.4699% | 5,357 |
| Return on Equity (ROE) | 2.6280% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.6280% | 4,709 |
| Net charge-offs to loans | 0.8213% | 732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.4314% | 3,355 |
| Efficiency ratio | 85.5446% | 1,573 |
| Assets per employee ($millions) | 6.1789% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7327% | 345 |
| Loan loss allowance to noncurrent loans | 95.6825% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.6217% | 2,831 |
| Noncurrent loans to loans | 3.9011% | 1,173 |
| Net loans and leases to total assets | 35.3796% | 6,344 |
| Net loans and leases to deposits | 43.8386% | 6,216 |
| Net loans and leases to core deposits | 47.3791% | 6,132 |
| Total domestic deposits to total assets | 80.7043% | 5,571 |
| Equity capital to assets | 12.9814% | 1,433 |
| Core capital (leverage) ratio | 10.6613% | 2,584 |
| Tier 1 risk-based capital ratio | 26.9253% | 716 |
| Total risk-based capital ratio | 28.2040% | 700 |
| Memoranda: | ||
| Average total assets | $605,262,500 | 1,116 |
| Average earning assets | $548,754,000 | 1,123 |
| Average equity | $78,081,000 | 942 |
| Average total loans | $223,549,000 | 1,839 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 6,522 |
| Cost of funding earning assets | 0.7790% | 2,840 |
| Net interest margin | 2.5862% | 6,643 |
| Noninterest income to average assets | 0.7119% | 2,665 |
| Noninterest expense to average assets | 2.7877% | 4,070 |
| Loan and lease loss provision to assets | 0.0360% | 5,439 |
| Net operating income to assets | 0.2092% | 5,759 |
| Return on assets (ROA) | 0.2316% | 5,892 |
| Pretax return on assets | 0.2726% | 5,873 |
| Return on Equity (ROE) | 1.8511% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.8511% | 4,917 |
| Net charge-offs to loans | 1.3703% | 680 |
| Credit loss provision to net charge-offs | 6.3830% | 5,429 |
| Earnings coverage of net charge-offs (x) | 0.5006% | 5,236 |
| Efficiency ratio | 90.8034% | 1,003 |
| Assets per employee ($millions) | 6.1734% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8272% | 322 |
| Loan loss allowance to noncurrent loans | 119.1954% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3761% | 3,335 |
| Noncurrent loans to loans | 3.2108% | 1,611 |
| Net loans and leases to total assets | 35.6931% | 6,452 |
| Net loans and leases to deposits | 44.2458% | 6,353 |
| Net loans and leases to core deposits | 48.1271% | 6,260 |
| Total domestic deposits to total assets | 80.6700% | 5,494 |
| Equity capital to assets | 12.8208% | 1,534 |
| Core capital (leverage) ratio | 10.6400% | 2,608 |
| Tier 1 risk-based capital ratio | 26.3387% | 740 |
| Total risk-based capital ratio | 27.6188% | 729 |
| Memoranda: | ||
| Average total assets | $616,642,800 | 1,077 |
| Average earning assets | $562,258,800 | 1,080 |
| Average equity | $77,145,000 | 913 |
| Average total loans | $253,819,600 | 1,625 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 6,597 |
| Cost of funding earning assets | 0.8414% | 2,616 |
| Net interest margin | 2.5829% | 6,770 |
| Noninterest income to average assets | 0.7089% | 2,663 |
| Noninterest expense to average assets | 2.8051% | 3,966 |
| Loan and lease loss provision to assets | 0.0472% | 5,182 |
| Net operating income to assets | 0.1889% | 5,946 |
| Return on assets (ROA) | 0.2196% | 6,043 |
| Pretax return on assets | 0.2498% | 6,046 |
| Return on Equity (ROE) | 1.7664% | 6,086 |
| Retained earnings to average equity (ytd only) | 1.7664% | 5,444 |
| Net charge-offs to loans | 1.4481% | 613 |
| Credit loss provision to net charge-offs | 7.7385% | 5,104 |
| Earnings coverage of net charge-offs (x) | 0.4293% | 5,111 |
| Efficiency ratio | 91.4539% | 923 |
| Assets per employee ($millions) | 5.8971% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8964% | 337 |
| Loan loss allowance to noncurrent loans | 114.2140% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 3,138 |
| Noncurrent loans to loans | 3.4115% | 1,602 |
| Net loans and leases to total assets | 38.6323% | 6,381 |
| Net loans and leases to deposits | 48.2697% | 6,246 |
| Net loans and leases to core deposits | 52.7278% | 6,132 |
| Total domestic deposits to total assets | 80.0342% | 5,645 |
| Equity capital to assets | 13.1792% | 1,504 |
| Core capital (leverage) ratio | 10.6853% | 2,719 |
| Tier 1 risk-based capital ratio | 25.0627% | 903 |
| Total risk-based capital ratio | 26.3437% | 888 |
| Memoranda: | ||
| Average total assets | $618,011,250 | 1,079 |
| Average earning assets | $564,267,750 | 1,082 |
| Average equity | $76,842,000 | 915 |
| Average total loans | $260,568,000 | 1,599 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 6,702 |
| Cost of funding earning assets | 0.9269% | 2,213 |
| Net interest margin | 2.5033% | 6,887 |
| Noninterest income to average assets | 0.7035% | 2,647 |
| Noninterest expense to average assets | 2.7847% | 4,077 |
| Loan and lease loss provision to assets | 0.0726% | 4,722 |
| Net operating income to assets | 0.1385% | 6,070 |
| Return on assets (ROA) | 0.1787% | 6,157 |
| Pretax return on assets | 0.1784% | 6,180 |
| Return on Equity (ROE) | 1.4654% | 6,199 |
| Retained earnings to average equity (ytd only) | 1.4654% | 5,466 |
| Net charge-offs to loans | 0.7010% | 1,581 |
| Credit loss provision to net charge-offs | 24.2004% | 4,542 |
| Earnings coverage of net charge-offs (x) | 0.7026% | 4,701 |
| Efficiency ratio | 92.9654% | 868 |
| Assets per employee ($millions) | 6.1137% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4590% | 237 |
| Loan loss allowance to noncurrent loans | 121.1794% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 2,810 |
| Noncurrent loans to loans | 3.6797% | 1,548 |
| Net loans and leases to total assets | 38.9331% | 6,412 |
| Net loans and leases to deposits | 50.2377% | 6,165 |
| Net loans and leases to core deposits | 55.1790% | 6,009 |
| Total domestic deposits to total assets | 77.4977% | 6,247 |
| Equity capital to assets | 12.4008% | 1,877 |
| Core capital (leverage) ratio | 10.0347% | 3,377 |
| Tier 1 risk-based capital ratio | 23.2446% | 1,105 |
| Total risk-based capital ratio | 24.5320% | 1,079 |
| Memoranda: | ||
| Average total assets | $625,480,670 | 1,061 |
| Average earning assets | $572,672,670 | 1,056 |
| Average equity | $76,290,670 | 917 |
| Average total loans | $267,616,000 | 1,556 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 6,698 |
| Cost of funding earning assets | 0.9463% | 2,329 |
| Net interest margin | 2.5552% | 6,914 |
| Noninterest income to average assets | 0.7683% | 2,309 |
| Noninterest expense to average assets | 2.7915% | 4,067 |
| Loan and lease loss provision to assets | 0.1430% | 3,570 |
| Net operating income to assets | 0.1983% | 5,994 |
| Return on assets (ROA) | 0.1678% | 6,208 |
| Pretax return on assets | 0.1436% | 6,311 |
| Return on Equity (ROE) | 1.3867% | 6,262 |
| Retained earnings to average equity (ytd only) | 1.3867% | 5,544 |
| Net charge-offs to loans | 0.7750% | 1,327 |
| Credit loss provision to net charge-offs | 42.1348% | 3,417 |
| Earnings coverage of net charge-offs (x) | 0.9345% | 3,859 |
| Efficiency ratio | 89.7997% | 1,115 |
| Assets per employee ($millions) | 6.2595% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3138% | 287 |
| Loan loss allowance to noncurrent loans | 86.1749% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 2.7313% | 2,159 |
| Noncurrent loans to loans | 5.0059% | 1,120 |
| Net loans and leases to total assets | 41.6105% | 6,228 |
| Net loans and leases to deposits | 55.9117% | 5,612 |
| Net loans and leases to core deposits | 61.7423% | 5,352 |
| Total domestic deposits to total assets | 74.4219% | 6,707 |
| Equity capital to assets | 12.3032% | 1,847 |
| Core capital (leverage) ratio | 10.0270% | 3,335 |
| Tier 1 risk-based capital ratio | 21.5070% | 1,382 |
| Total risk-based capital ratio | 22.7930% | 1,345 |
| Memoranda: | ||
| Average total assets | $629,479,500 | 1,051 |
| Average earning assets | $576,551,500 | 1,051 |
| Average equity | $76,149,500 | 916 |
| Average total loans | $275,611,500 | 1,527 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 5,295 |
| Cost of funding earning assets | 1.1824% | 2,149 |
| Net interest margin | 3.2519% | 5,956 |
| Noninterest income to average assets | 0.6553% | 2,857 |
| Noninterest expense to average assets | 2.6796% | 4,821 |
| Loan and lease loss provision to assets | 1.0966% | 824 |
| Net operating income to assets | -0.1351% | 6,191 |
| Return on assets (ROA) | -0.2203% | 6,342 |
| Pretax return on assets | -0.6004% | 6,551 |
| Return on Equity (ROE) | -2.0849% | 6,344 |
| Retained earnings to average equity (ytd only) | -2.0849% | 6,167 |
| Net charge-offs to loans | 3.3325% | 242 |
| Credit loss provision to net charge-offs | 65.9656% | 4,995 |
| Earnings coverage of net charge-offs (x) | 0.3785% | 5,535 |
| Efficiency ratio | 80.9846% | 2,163 |
| Assets per employee ($millions) | 6.4572% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2358% | 318 |
| Loan loss allowance to noncurrent loans | 120.2539% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 2.2487% | 2,680 |
| Noncurrent loans to loans | 3.5224% | 1,822 |
| Net loans and leases to total assets | 42.2057% | 6,368 |
| Net loans and leases to deposits | 56.0178% | 5,896 |
| Net loans and leases to core deposits | 61.8510% | 5,673 |
| Total domestic deposits to total assets | 75.3432% | 6,558 |
| Equity capital to assets | 11.8976% | 2,201 |
| Core capital (leverage) ratio | 9.4598% | 4,092 |
| Tier 1 risk-based capital ratio | 20.0225% | 1,636 |
| Total risk-based capital ratio | 21.3046% | 1,598 |
| Memoranda: | ||
| Average total assets | $629,224,000 | 1,031 |
| Average earning assets | $513,452,800 | 1,171 |
| Average equity | $66,477,400 | 1,011 |
| Average total loans | $313,880,000 | 1,351 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 4,564 |
| Cost of funding earning assets | 1.2393% | 2,068 |
| Net interest margin | 3.4364% | 5,440 |
| Noninterest income to average assets | 0.7674% | 2,213 |
| Noninterest expense to average assets | 2.9844% | 3,610 |
| Loan and lease loss provision to assets | 1.2871% | 582 |
| Net operating income to assets | -0.3647% | 6,558 |
| Return on assets (ROA) | -0.3463% | 6,593 |
| Pretax return on assets | -0.7642% | 6,767 |
| Return on Equity (ROE) | -3.3872% | 6,590 |
| Retained earnings to average equity (ytd only) | -3.3872% | 6,462 |
| Net charge-offs to loans | 3.7711% | 185 |
| Credit loss provision to net charge-offs | 66.4470% | 4,588 |
| Earnings coverage of net charge-offs (x) | 0.2551% | 5,403 |
| Efficiency ratio | 85.7929% | 1,555 |
| Assets per employee ($millions) | 6.3430% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1752% | 349 |
| Loan loss allowance to noncurrent loans | 113.7899% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 2.8267% | 2,297 |
| Noncurrent loans to loans | 3.6692% | 1,866 |
| Net loans and leases to total assets | 44.5203% | 6,280 |
| Net loans and leases to deposits | 59.7066% | 5,666 |
| Net loans and leases to core deposits | 65.6104% | 5,456 |
| Total domestic deposits to total assets | 74.5651% | 6,693 |
| Equity capital to assets | 11.7511% | 2,447 |
| Core capital (leverage) ratio | 9.6293% | 3,947 |
| Tier 1 risk-based capital ratio | 17.9044% | 2,289 |
| Total risk-based capital ratio | 19.1842% | 2,240 |
| Memoranda: | ||
| Average total assets | $626,713,750 | 1,042 |
| Average earning assets | $494,456,500 | 1,230 |
| Average equity | $64,082,500 | 1,059 |
| Average total loans | $321,915,000 | 1,329 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6756% | 4,641 |
| Cost of funding earning assets | 1.2530% | 2,236 |
| Net interest margin | 3.4227% | 5,468 |
| Noninterest income to average assets | 0.6154% | 3,036 |
| Noninterest expense to average assets | 2.9813% | 3,710 |
| Loan and lease loss provision to assets | 1.6397% | 420 |
| Net operating income to assets | -0.6481% | 6,788 |
| Return on assets (ROA) | -0.6205% | 6,782 |
| Pretax return on assets | -1.2426% | 6,979 |
| Return on Equity (ROE) | -6.3961% | 6,797 |
| Retained earnings to average equity (ytd only) | -6.3961% | 6,677 |
| Net charge-offs to loans | 4.9884% | 126 |
| Credit loss provision to net charge-offs | 61.9609% | 4,299 |
| Earnings coverage of net charge-offs (x) | 0.1338% | 5,199 |
| Efficiency ratio | 89.3869% | 1,287 |
| Assets per employee ($millions) | 6.6173% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0132% | 415 |
| Loan loss allowance to noncurrent loans | 97.0533% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 3.3365% | 1,982 |
| Noncurrent loans to loans | 4.1350% | 1,654 |
| Net loans and leases to total assets | 45.5531% | 6,307 |
| Net loans and leases to deposits | 60.9185% | 5,625 |
| Net loans and leases to core deposits | 66.9509% | 5,395 |
| Total domestic deposits to total assets | 74.7771% | 6,758 |
| Equity capital to assets | 11.3396% | 2,651 |
| Core capital (leverage) ratio | 9.8443% | 3,464 |
| Tier 1 risk-based capital ratio | 17.9396% | 2,199 |
| Total risk-based capital ratio | 19.2187% | 2,135 |
| Memoranda: | ||
| Average total assets | $622,071,670 | 1,066 |
| Average earning assets | $494,350,330 | 1,233 |
| Average equity | $60,349,330 | 1,109 |
| Average total loans | $330,006,000 | 1,311 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5334% | 5,231 |
| Cost of funding earning assets | 1.2227% | 2,669 |
| Net interest margin | 3.3106% | 5,735 |
| Noninterest income to average assets | 0.4875% | 3,989 |
| Noninterest expense to average assets | 2.9452% | 3,871 |
| Loan and lease loss provision to assets | 2.7593% | 178 |
| Net operating income to assets | -1.4218% | 7,170 |
| Return on assets (ROA) | -1.4243% | 7,174 |
| Pretax return on assets | -2.4354% | 7,313 |
| Return on Equity (ROE) | -16.1323% | 7,167 |
| Retained earnings to average equity (ytd only) | -16.1323% | 7,071 |
| Net charge-offs to loans | 6.6509% | 87 |
| Credit loss provision to net charge-offs | 74.0480% | 3,278 |
| Earnings coverage of net charge-offs (x) | 0.0880% | 4,530 |
| Efficiency ratio | 89.9839% | 1,331 |
| Assets per employee ($millions) | 6.5456% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2119% | 367 |
| Loan loss allowance to noncurrent loans | 53.1467% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 4.6819% | 1,363 |
| Noncurrent loans to loans | 7.9251% | 634 |
| Net loans and leases to total assets | 51.7841% | 5,609 |
| Net loans and leases to deposits | 68.4006% | 4,622 |
| Net loans and leases to core deposits | 75.3783% | 4,371 |
| Total domestic deposits to total assets | 75.7071% | 6,714 |
| Equity capital to assets | 10.5789% | 3,098 |
| Core capital (leverage) ratio | 9.0122% | 4,593 |
| Tier 1 risk-based capital ratio | 15.1936% | 3,322 |
| Total risk-based capital ratio | 16.4770% | 3,258 |
| Memoranda: | ||
| Average total assets | $608,858,500 | 1,096 |
| Average earning assets | $512,290,500 | 1,199 |
| Average equity | $53,755,500 | 1,243 |
| Average total loans | $341,128,000 | 1,278 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 5,905 |
| Cost of funding earning assets | 1.4107% | 3,197 |
| Net interest margin | 3.2565% | 6,113 |
| Noninterest income to average assets | 0.6547% | 3,122 |
| Noninterest expense to average assets | 2.9953% | 3,864 |
| Loan and lease loss provision to assets | 2.1906% | 568 |
| Net operating income to assets | -0.8909% | 6,627 |
| Return on assets (ROA) | -0.7218% | 6,564 |
| Pretax return on assets | -1.4009% | 6,820 |
| Return on Equity (ROE) | -10.3468% | 6,742 |
| Retained earnings to average equity (ytd only) | -10.3468% | 6,679 |
| Net charge-offs to loans | 4.5613% | 236 |
| Credit loss provision to net charge-offs | 80.5235% | 5,549 |
| Earnings coverage of net charge-offs (x) | 0.1932% | 5,916 |
| Efficiency ratio | 85.0746% | 1,794 |
| Assets per employee ($millions) | 5.8489% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4281% | 283 |
| Loan loss allowance to noncurrent loans | 47.3137% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 6.1374% | 955 |
| Noncurrent loans to loans | 9.3591% | 471 |
| Net loans and leases to total assets | 55.4659% | 5,420 |
| Net loans and leases to deposits | 70.0533% | 4,811 |
| Net loans and leases to core deposits | 78.9273% | 4,354 |
| Total domestic deposits to total assets | 79.1767% | 6,041 |
| Equity capital to assets | 7.0416% | 7,100 |
| Core capital (leverage) ratio | 5.7164% | 7,343 |
| Tier 1 risk-based capital ratio | 8.9172% | 7,261 |
| Total risk-based capital ratio | 10.2007% | 7,258 |
| Memoranda: | ||
| Average total assets | $643,215,400 | 1,040 |
| Average earning assets | $566,101,000 | 1,070 |
| Average equity | $44,873,800 | 1,489 |
| Average total loans | $383,620,400 | 1,181 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7600% | 5,820 |
| Cost of funding earning assets | 1.4588% | 3,224 |
| Net interest margin | 3.3012% | 6,010 |
| Noninterest income to average assets | 0.6968% | 2,833 |
| Noninterest expense to average assets | 3.0132% | 3,695 |
| Loan and lease loss provision to assets | 2.6506% | 376 |
| Net operating income to assets | -1.1785% | 6,979 |
| Return on assets (ROA) | -0.9682% | 6,924 |
| Pretax return on assets | -1.7530% | 7,121 |
| Return on Equity (ROE) | -13.9084% | 7,070 |
| Retained earnings to average equity (ytd only) | -13.9084% | 7,036 |
| Net charge-offs to loans | 4.6230% | 207 |
| Credit loss provision to net charge-offs | 95.5428% | 4,542 |
| Earnings coverage of net charge-offs (x) | 0.2051% | 5,807 |
| Efficiency ratio | 84.1137% | 1,827 |
| Assets per employee ($millions) | 6.0080% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0350% | 166 |
| Loan loss allowance to noncurrent loans | 48.4054% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 6.7493% | 828 |
| Noncurrent loans to loans | 10.4017% | 390 |
| Net loans and leases to total assets | 54.1204% | 5,838 |
| Net loans and leases to deposits | 69.9086% | 5,158 |
| Net loans and leases to core deposits | 79.3689% | 4,607 |
| Total domestic deposits to total assets | 77.4159% | 6,388 |
| Equity capital to assets | 7.0180% | 7,338 |
| Core capital (leverage) ratio | 5.8254% | 7,456 |
| Tier 1 risk-based capital ratio | 9.4470% | 7,262 |
| Total risk-based capital ratio | 10.7395% | 7,256 |
| Memoranda: | ||
| Average total assets | $653,410,500 | 1,028 |
| Average earning assets | $571,134,500 | 1,065 |
| Average equity | $45,487,000 | 1,478 |
| Average total loans | $392,118,500 | 1,160 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6869% | 6,184 |
| Cost of funding earning assets | 1.4582% | 3,512 |
| Net interest margin | 3.2286% | 6,223 |
| Noninterest income to average assets | 0.7263% | 2,541 |
| Noninterest expense to average assets | 2.9454% | 3,911 |
| Loan and lease loss provision to assets | 3.4268% | 257 |
| Net operating income to assets | -1.5881% | 7,185 |
| Return on assets (ROA) | -1.2824% | 7,077 |
| Pretax return on assets | -2.2710% | 7,313 |
| Return on Equity (ROE) | -18.4694% | 7,243 |
| Retained earnings to average equity (ytd only) | -18.4694% | 7,216 |
| Net charge-offs to loans | 5.1488% | 194 |
| Credit loss provision to net charge-offs | 109.1348% | 3,739 |
| Earnings coverage of net charge-offs (x) | 0.2159% | 5,511 |
| Efficiency ratio | 81.2866% | 2,260 |
| Assets per employee ($millions) | 6.1555% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1444% | 157 |
| Loan loss allowance to noncurrent loans | 46.9641% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 6.7064% | 814 |
| Noncurrent loans to loans | 10.9539% | 370 |
| Net loans and leases to total assets | 55.8683% | 5,723 |
| Net loans and leases to deposits | 72.2205% | 4,961 |
| Net loans and leases to core deposits | 83.7217% | 4,168 |
| Total domestic deposits to total assets | 77.3579% | 6,419 |
| Equity capital to assets | 6.6829% | 7,444 |
| Core capital (leverage) ratio | 6.0616% | 7,473 |
| Tier 1 risk-based capital ratio | 8.9164% | 7,430 |
| Total risk-based capital ratio | 10.2089% | 7,433 |
| Memoranda: | ||
| Average total assets | $658,930,330 | 1,028 |
| Average earning assets | $591,270,670 | 1,035 |
| Average equity | $45,751,330 | 1,471 |
| Average total loans | $401,844,670 | 1,147 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 6,485 |
| Cost of funding earning assets | 1.4907% | 3,617 |
| Net interest margin | 3.1347% | 6,504 |
| Noninterest income to average assets | 0.7056% | 2,558 |
| Noninterest expense to average assets | 2.7637% | 4,633 |
| Loan and lease loss provision to assets | 1.2384% | 981 |
| Net operating income to assets | -0.1008% | 6,433 |
| Return on assets (ROA) | 0.0368% | 6,313 |
| Pretax return on assets | -0.1649% | 6,524 |
| Return on Equity (ROE) | 0.5211% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.5211% | 5,618 |
| Net charge-offs to loans | 4.1080% | 319 |
| Credit loss provision to net charge-offs | 48.6128% | 4,509 |
| Earnings coverage of net charge-offs (x) | 0.3370% | 4,738 |
| Efficiency ratio | 76.3009% | 3,168 |
| Assets per employee ($millions) | 6.2267% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1370% | 331 |
| Loan loss allowance to noncurrent loans | 37.3758% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 7.2893% | 721 |
| Noncurrent loans to loans | 11.0686% | 352 |
| Net loans and leases to total assets | 60.1854% | 5,092 |
| Net loans and leases to deposits | 78.3803% | 3,965 |
| Net loans and leases to core deposits | 90.1682% | 3,346 |
| Total domestic deposits to total assets | 76.7863% | 6,599 |
| Equity capital to assets | 7.3624% | 7,171 |
| Core capital (leverage) ratio | 6.6524% | 7,410 |
| Tier 1 risk-based capital ratio | 9.3836% | 7,355 |
| Total risk-based capital ratio | 10.6626% | 7,344 |
| Memoranda: | ||
| Average total assets | $662,153,000 | 1,043 |
| Average earning assets | $616,069,500 | 1,019 |
| Average equity | $46,824,500 | 1,439 |
| Average total loans | $410,616,000 | 1,148 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 6,387 |
| Cost of funding earning assets | 1.8180% | 3,893 |
| Net interest margin | 3.1969% | 6,109 |
| Noninterest income to average assets | 0.7189% | 2,854 |
| Noninterest expense to average assets | 2.6213% | 5,709 |
| Loan and lease loss provision to assets | 2.9179% | 611 |
| Net operating income to assets | -0.9367% | 6,532 |
| Return on assets (ROA) | -0.9115% | 6,520 |
| Pretax return on assets | -1.7913% | 6,856 |
| Return on Equity (ROE) | -13.5965% | 6,862 |
| Retained earnings to average equity (ytd only) | -14.2511% | 6,834 |
| Net charge-offs to loans | 2.1981% | 1,087 |
| Credit loss provision to net charge-offs | 225.2922% | 1,659 |
| Earnings coverage of net charge-offs (x) | 0.8394% | 5,266 |
| Efficiency ratio | 70.6845% | 4,494 |
| Assets per employee ($millions) | 6.4429% | 1,013 |
| Cash dividends to net income (ytd only)* | -4.8141% | 7,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4974% | 251 |
| Loan loss allowance to noncurrent loans | 46.5527% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 6.0766% | 924 |
| Noncurrent loans to loans | 9.6609% | 444 |
| Net loans and leases to total assets | 58.5323% | 5,569 |
| Net loans and leases to deposits | 74.7139% | 4,920 |
| Net loans and leases to core deposits | 111.2157% | 2,769 |
| Total domestic deposits to total assets | 78.3419% | 6,159 |
| Equity capital to assets | 6.7984% | 7,467 |
| Core capital (leverage) ratio | 6.0844% | 7,615 |
| Tier 1 risk-based capital ratio | 8.7452% | 7,552 |
| Total risk-based capital ratio | 10.0186% | 7,578 |
| Memoranda: | ||
| Average total assets | $720,143,400 | 946 |
| Average earning assets | $673,426,800 | 918 |
| Average equity | $48,277,000 | 1,393 |
| Average total loans | $424,313,200 | 1,131 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1063% | 6,243 |
| Cost of funding earning assets | 1.8759% | 4,012 |
| Net interest margin | 3.2304% | 5,915 |
| Noninterest income to average assets | 0.6215% | 3,544 |
| Noninterest expense to average assets | 2.7244% | 5,220 |
| Loan and lease loss provision to assets | 1.4531% | 1,321 |
| Net operating income to assets | -0.1241% | 5,926 |
| Return on assets (ROA) | -0.1205% | 5,951 |
| Pretax return on assets | -0.5271% | 6,333 |
| Return on Equity (ROE) | -1.8028% | 6,069 |
| Retained earnings to average equity (ytd only) | -2.6672% | 5,859 |
| Net charge-offs to loans | 1.8189% | 1,109 |
| Credit loss provision to net charge-offs | 136.8802% | 3,616 |
| Earnings coverage of net charge-offs (x) | 0.8669% | 5,190 |
| Efficiency ratio | 74.7492% | 3,730 |
| Assets per employee ($millions) | 6.7783% | 871 |
| Cash dividends to net income (ytd only)* | -47.9514% | 7,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 1,546 |
| Loan loss allowance to noncurrent loans | 26.8474% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 4.8281% | 1,223 |
| Noncurrent loans to loans | 7.9305% | 618 |
| Net loans and leases to total assets | 58.5964% | 5,791 |
| Net loans and leases to deposits | 75.3914% | 5,141 |
| Net loans and leases to core deposits | 125.4011% | 1,778 |
| Total domestic deposits to total assets | 77.7230% | 6,165 |
| Equity capital to assets | 7.4684% | 7,315 |
| Core capital (leverage) ratio | 7.5136% | 6,951 |
| Tier 1 risk-based capital ratio | 10.6011% | 6,343 |
| Total risk-based capital ratio | 11.8455% | 6,323 |
| Memoranda: | ||
| Average total assets | $729,441,500 | 947 |
| Average earning assets | $682,674,000 | 921 |
| Average equity | $48,738,750 | 1,400 |
| Average total loans | $425,748,500 | 1,145 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 6,099 |
| Cost of funding earning assets | 1.9566% | 3,970 |
| Net interest margin | 3.2369% | 5,783 |
| Noninterest income to average assets | 0.6040% | 3,658 |
| Noninterest expense to average assets | 2.8851% | 4,561 |
| Loan and lease loss provision to assets | 1.7870% | 925 |
| Net operating income to assets | -0.4735% | 6,522 |
| Return on assets (ROA) | -0.4627% | 6,516 |
| Pretax return on assets | -1.0266% | 6,831 |
| Return on Equity (ROE) | -7.2020% | 6,822 |
| Retained earnings to average equity (ytd only) | -8.5438% | 6,726 |
| Net charge-offs to loans | 2.2759% | 784 |
| Credit loss provision to net charge-offs | 135.6669% | 3,435 |
| Earnings coverage of net charge-offs (x) | 0.5644% | 5,147 |
| Efficiency ratio | 79.5113% | 3,126 |
| Assets per employee ($millions) | 5.7528% | 1,382 |
| Cash dividends to net income (ytd only)* | -18.6321% | 7,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 1,469 |
| Loan loss allowance to noncurrent loans | 34.2491% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 3.4105% | 1,836 |
| Noncurrent loans to loans | 6.0065% | 909 |
| Net loans and leases to total assets | 55.2089% | 6,315 |
| Net loans and leases to deposits | 70.0477% | 5,982 |
| Net loans and leases to core deposits | 99.4650% | 4,559 |
| Total domestic deposits to total assets | 78.8161% | 5,856 |
| Equity capital to assets | 6.2450% | 7,884 |
| Core capital (leverage) ratio | 7.0285% | 7,517 |
| Tier 1 risk-based capital ratio | 10.1984% | 6,718 |
| Total risk-based capital ratio | 11.4524% | 6,638 |
| Memoranda: | ||
| Average total assets | $733,089,330 | 951 |
| Average earning assets | $684,971,330 | 932 |
| Average equity | $47,098,330 | 1,464 |
| Average total loans | $424,273,670 | 1,177 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 5,958 |
| Cost of funding earning assets | 1.9958% | 4,153 |
| Net interest margin | 3.2876% | 5,535 |
| Noninterest income to average assets | 0.6137% | 3,445 |
| Noninterest expense to average assets | 2.7077% | 4,964 |
| Loan and lease loss provision to assets | 0.5811% | 2,165 |
| Net operating income to assets | 0.3175% | 5,232 |
| Return on assets (ROA) | 0.3569% | 5,222 |
| Pretax return on assets | 0.4383% | 5,280 |
| Return on Equity (ROE) | 5.4759% | 4,261 |
| Retained earnings to average equity (ytd only) | 2.7931% | 4,329 |
| Net charge-offs to loans | 0.2434% | 3,183 |
| Credit loss provision to net charge-offs | 406.9767% | 1,286 |
| Earnings coverage of net charge-offs (x) | 6.7984% | 2,439 |
| Efficiency ratio | 73.6122% | 3,894 |
| Assets per employee ($millions) | 5.6788% | 1,413 |
| Cash dividends to net income (ytd only)* | 48.9922% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8356% | 1,770 |
| Loan loss allowance to noncurrent loans | 38.3904% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 2.7015% | 2,106 |
| Noncurrent loans to loans | 4.7813% | 1,158 |
| Net loans and leases to total assets | 54.8807% | 6,369 |
| Net loans and leases to deposits | 73.5614% | 5,536 |
| Net loans and leases to core deposits | 106.5542% | 3,843 |
| Total domestic deposits to total assets | 74.6052% | 6,784 |
| Equity capital to assets | 6.2968% | 7,934 |
| Core capital (leverage) ratio | 7.8480% | 6,694 |
| Tier 1 risk-based capital ratio | 10.6736% | 6,220 |
| Total risk-based capital ratio | 11.9091% | 6,139 |
| Memoranda: | ||
| Average total assets | $722,823,500 | 970 |
| Average earning assets | $673,809,500 | 946 |
| Average equity | $47,115,500 | 1,466 |
| Average total loans | $424,008,000 | 1,195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9434% | 5,834 |
| Cost of funding earning assets | 2.3588% | 4,897 |
| Net interest margin | 3.5845% | 4,951 |
| Noninterest income to average assets | 0.6044% | 3,812 |
| Noninterest expense to average assets | 3.1971% | 3,349 |
| Loan and lease loss provision to assets | 0.7598% | 1,966 |
| Net operating income to assets | 0.0230% | 6,304 |
| Return on assets (ROA) | 0.0484% | 6,093 |
| Pretax return on assets | 0.0154% | 6,125 |
| Return on Equity (ROE) | 0.6196% | 6,031 |
| Retained earnings to average equity (ytd only) | -1.9834% | 5,863 |
| Net charge-offs to loans | 0.4911% | 2,397 |
| Credit loss provision to net charge-offs | 268.8207% | 1,716 |
| Earnings coverage of net charge-offs (x) | 2.6527% | 4,755 |
| Efficiency ratio | 81.0034% | 2,447 |
| Assets per employee ($millions) | 5.3491% | 1,586 |
| Cash dividends to net income (ytd only)* | 420.1258% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 2,030 |
| Loan loss allowance to noncurrent loans | 62.3955% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.6736% | 2,907 |
| Noncurrent loans to loans | 2.6612% | 2,040 |
| Net loans and leases to total assets | 60.6949% | 5,809 |
| Net loans and leases to deposits | 85.6701% | 4,163 |
| Net loans and leases to core deposits | 125.4634% | 2,208 |
| Total domestic deposits to total assets | 70.8473% | 7,181 |
| Equity capital to assets | 6.7644% | 7,845 |
| Core capital (leverage) ratio | 8.4219% | 5,711 |
| Tier 1 risk-based capital ratio | 11.4638% | 5,272 |
| Total risk-based capital ratio | 12.7165% | 5,164 |
| Memoranda: | ||
| Average total assets | $657,011,800 | 1,020 |
| Average earning assets | $612,630,600 | 987 |
| Average equity | $51,327,000 | 1,312 |
| Average total loans | $378,107,200 | 1,286 |