Home > Marblehead Bank > Performance and Condition Ratios
Marblehead Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 3,391 |
| Cost of funding earning assets | 0.3630% | 4,325 |
| Net interest margin | 3.9692% | 1,253 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 3.2831% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5987% | 3,446 |
| Return on assets (ROA) | 0.5987% | 3,434 |
| Pretax return on assets | 0.7805% | 3,255 |
| Return on Equity (ROE) | 7.3800% | 3,195 |
| Retained earnings to average equity (ytd only) | 7.3840% | 1,762 |
| Net charge-offs to loans | 0.0015% | 2,784 |
| Credit loss provision to net charge-offs | -800.0000% | 4,556 |
| Earnings coverage of net charge-offs (x) | 689.6667% | 205 |
| Efficiency ratio | 80.8603% | 860 |
| Assets per employee ($millions) | 5.3116% | 3,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5321% | 4,312 |
| Loan loss allowance to noncurrent loans | 389.3238% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 2,819 |
| Noncurrent loans to loans | 0.1367% | 2,825 |
| Net loans and leases to total assets | 78.5800% | 805 |
| Net loans and leases to deposits | 88.7267% | 1,372 |
| Net loans and leases to core deposits | 94.3616% | 1,750 |
| Total domestic deposits to total assets | 88.5700% | 1,190 |
| Equity capital to assets | 8.7279% | 2,885 |
| Core capital (leverage) ratio | 9.5246% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8366% | 1,585 |
| Memoranda: | ||
| Average total assets | $266,239,600 | 2,586 |
| Average earning assets | $249,322,000 | 2,577 |
| Average equity | $21,587,200 | 2,726 |
| Average total loans | $202,861,200 | 2,267 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2902% | 3,312 |
| Cost of funding earning assets | 0.3121% | 4,348 |
| Net interest margin | 3.9780% | 1,258 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 3.2649% | 752 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6051% | 3,535 |
| Return on assets (ROA) | 0.6051% | 3,523 |
| Pretax return on assets | 0.7848% | 3,368 |
| Return on Equity (ROE) | 7.6000% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.6037% | 2,104 |
| Net charge-offs to loans | 0.0013% | 2,564 |
| Credit loss provision to net charge-offs | 800.0000% | 462 |
| Earnings coverage of net charge-offs (x) | 805.0000% | 198 |
| Efficiency ratio | 80.2841% | 841 |
| Assets per employee ($millions) | 5.3544% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5536% | 4,318 |
| Loan loss allowance to noncurrent loans | 402.4823% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 2,841 |
| Noncurrent loans to loans | 0.1375% | 2,868 |
| Net loans and leases to total assets | 79.3300% | 728 |
| Net loans and leases to deposits | 89.4821% | 1,271 |
| Net loans and leases to core deposits | 95.2035% | 1,601 |
| Total domestic deposits to total assets | 88.6500% | 1,361 |
| Equity capital to assets | 8.5977% | 2,666 |
| Core capital (leverage) ratio | 9.1119% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6160% | 1,679 |
| Memoranda: | ||
| Average total assets | $267,732,000 | 2,592 |
| Average earning assets | $250,736,500 | 2,572 |
| Average equity | $21,305,000 | 2,733 |
| Average total loans | $202,172,000 | 2,270 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 3,286 |
| Cost of funding earning assets | 0.2354% | 4,392 |
| Net interest margin | 3.9698% | 1,296 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 3.2709% | 714 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.6096% | 3,554 |
| Return on assets (ROA) | 0.6096% | 3,558 |
| Pretax return on assets | 0.7792% | 3,445 |
| Return on Equity (ROE) | 7.8600% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.8608% | 2,011 |
| Net charge-offs to loans | 0.0010% | 2,390 |
| Credit loss provision to net charge-offs | 900.0000% | 440 |
| Earnings coverage of net charge-offs (x) | 1,068.0000% | 135 |
| Efficiency ratio | 80.5995% | 804 |
| Assets per employee ($millions) | 5.2441% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5579% | 4,337 |
| Loan loss allowance to noncurrent loans | 400.3546% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,790 |
| Noncurrent loans to loans | 0.1393% | 2,775 |
| Net loans and leases to total assets | 76.7500% | 968 |
| Net loans and leases to deposits | 86.3667% | 1,473 |
| Net loans and leases to core deposits | 91.3863% | 1,717 |
| Total domestic deposits to total assets | 88.8700% | 1,301 |
| Equity capital to assets | 8.2699% | 3,039 |
| Core capital (leverage) ratio | 8.8402% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9308% | 1,592 |
| Memoranda: | ||
| Average total assets | $271,305,333 | 2,583 |
| Average earning assets | $254,016,667 | 2,560 |
| Average equity | $21,041,000 | 2,769 |
| Average total loans | $201,223,000 | 2,281 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1238% | 3,204 |
| Cost of funding earning assets | 0.1348% | 4,486 |
| Net interest margin | 3.9891% | 1,281 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 3.3472% | 654 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.5673% | 3,753 |
| Return on assets (ROA) | 0.5673% | 3,722 |
| Pretax return on assets | 0.6805% | 3,699 |
| Return on Equity (ROE) | 7.5500% | 3,398 |
| Retained earnings to average equity (ytd only) | 7.5474% | 2,349 |
| Net charge-offs to loans | 0.0020% | 1,962 |
| Credit loss provision to net charge-offs | 900.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 478.0000% | 240 |
| Efficiency ratio | 82.8366% | 655 |
| Assets per employee ($millions) | 5.6418% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5607% | 4,396 |
| Loan loss allowance to noncurrent loans | 476.3713% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 2,937 |
| Noncurrent loans to loans | 0.1177% | 2,929 |
| Net loans and leases to total assets | 73.9400% | 1,210 |
| Net loans and leases to deposits | 82.6277% | 1,606 |
| Net loans and leases to core deposits | 85.1095% | 1,921 |
| Total domestic deposits to total assets | 89.4900% | 1,345 |
| Equity capital to assets | 7.8717% | 3,327 |
| Core capital (leverage) ratio | 8.4890% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7833% | 1,688 |
| Memoranda: | ||
| Average total assets | $275,690,500 | 2,586 |
| Average earning assets | $258,206,500 | 2,570 |
| Average equity | $20,722,500 | 2,825 |
| Average total loans | $200,645,000 | 2,300 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2205% | 3,780 |
| Cost of funding earning assets | 0.0873% | 4,442 |
| Net interest margin | 3.1331% | 3,076 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.8542% | 1,217 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.3514% | 4,310 |
| Return on assets (ROA) | 0.3514% | 4,276 |
| Pretax return on assets | 0.4683% | 4,212 |
| Return on Equity (ROE) | 5.1900% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.1878% | 2,968 |
| Net charge-offs to loans | 0.0021% | 2,458 |
| Credit loss provision to net charge-offs | 1,450.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 352.2500% | 432 |
| Efficiency ratio | 85.3899% | 442 |
| Assets per employee ($millions) | 6.0995% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5612% | 4,379 |
| Loan loss allowance to noncurrent loans | 405.0542% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 2,851 |
| Noncurrent loans to loans | 0.1386% | 2,820 |
| Net loans and leases to total assets | 70.8500% | 1,539 |
| Net loans and leases to deposits | 78.5642% | 1,888 |
| Net loans and leases to core deposits | 80.2220% | 2,120 |
| Total domestic deposits to total assets | 90.1800% | 1,281 |
| Equity capital to assets | 7.1738% | 3,566 |
| Core capital (leverage) ratio | 7.9525% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6397% | 1,752 |
| Memoranda: | ||
| Average total assets | $288,519,400 | 2,508 |
| Average earning assets | $270,271,800 | 2,490 |
| Average equity | $19,545,800 | 2,993 |
| Average total loans | $191,551,600 | 2,299 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9887% | 3,905 |
| Cost of funding earning assets | 0.0876% | 4,368 |
| Net interest margin | 2.9011% | 3,497 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.8056% | 1,241 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.1739% | 4,498 |
| Return on assets (ROA) | 0.1739% | 4,467 |
| Pretax return on assets | 0.2212% | 4,443 |
| Return on Equity (ROE) | 2.6000% | 4,344 |
| Retained earnings to average equity (ytd only) | 2.6047% | 3,892 |
| Net charge-offs to loans | 0.0028% | 2,144 |
| Credit loss provision to net charge-offs | 650.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 821 |
| Efficiency ratio | 92.3274% | 269 |
| Assets per employee ($millions) | 6.0224% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5559% | 4,423 |
| Loan loss allowance to noncurrent loans | 2,420.0000% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,813 |
| Noncurrent loans to loans | 0.0230% | 3,738 |
| Net loans and leases to total assets | 67.3900% | 1,740 |
| Net loans and leases to deposits | 74.2691% | 2,024 |
| Net loans and leases to core deposits | 75.8665% | 2,201 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 6.7173% | 3,655 |
| Core capital (leverage) ratio | 7.6571% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7581% | 1,785 |
| Memoranda: | ||
| Average total assets | $290,505,250 | 2,513 |
| Average earning assets | $272,489,250 | 2,499 |
| Average equity | $19,400,250 | 3,050 |
| Average total loans | $189,460,250 | 2,316 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7199% | 4,112 |
| Cost of funding earning assets | 0.0880% | 4,308 |
| Net interest margin | 2.6319% | 3,848 |
| Noninterest income to average assets | 0.3230% | 3,240 |
| Noninterest expense to average assets | 2.7699% | 1,228 |
| Loan and lease loss provision to assets | 0.0007% | 2,591 |
| Net operating income to assets | 0.0247% | 4,567 |
| Return on assets (ROA) | 0.0247% | 4,538 |
| Pretax return on assets | 0.0179% | 4,534 |
| Return on Equity (ROE) | 0.3712% | 4,525 |
| Retained earnings to average equity (ytd only) | 0.3712% | 4,116 |
| Net charge-offs to loans | 0.0021% | 2,024 |
| Credit loss provision to net charge-offs | 50.0000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 13.5000% | 1,688 |
| Efficiency ratio | 99.3345% | 195 |
| Assets per employee ($millions) | 5.9568% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5629% | 4,497 |
| Loan loss allowance to noncurrent loans | 2,268.0851% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 3,850 |
| Noncurrent loans to loans | 0.0248% | 3,774 |
| Net loans and leases to total assets | 65.8599% | 1,711 |
| Net loans and leases to deposits | 72.6227% | 1,985 |
| Net loans and leases to core deposits | 74.5167% | 2,126 |
| Total domestic deposits to total assets | 90.6879% | 1,387 |
| Equity capital to assets | 6.7856% | 3,888 |
| Core capital (leverage) ratio | 7.4851% | 4,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9058% | 1,732 |
| Memoranda: | ||
| Average total assets | $290,981,667 | 2,528 |
| Average earning assets | $272,580,000 | 2,525 |
| Average equity | $19,394,333 | 3,116 |
| Average total loans | $187,315,000 | 2,327 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5449% | 4,208 |
| Cost of funding earning assets | 0.0873% | 4,280 |
| Net interest margin | 2.4576% | 3,981 |
| Noninterest income to average assets | 0.3121% | 3,230 |
| Noninterest expense to average assets | 2.7584% | 1,236 |
| Loan and lease loss provision to assets | -0.0041% | 4,403 |
| Net operating income to assets | -0.0995% | 4,595 |
| Return on assets (ROA) | -0.0995% | 4,578 |
| Pretax return on assets | -0.1390% | 4,595 |
| Return on Equity (ROE) | -1.5059% | 4,615 |
| Retained earnings to average equity (ytd only) | -1.5059% | 4,200 |
| Net charge-offs to loans | 0.0021% | 1,743 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | -105.0000% | 1,832 |
| Efficiency ratio | 105.4716% | 171 |
| Assets per employee ($millions) | 6.2879% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5652% | 4,532 |
| Loan loss allowance to noncurrent loans | 2,169.3878% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 3,893 |
| Noncurrent loans to loans | 0.0261% | 3,809 |
| Net loans and leases to total assets | 63.2838% | 1,711 |
| Net loans and leases to deposits | 69.5484% | 2,002 |
| Net loans and leases to core deposits | 71.1865% | 2,182 |
| Total domestic deposits to total assets | 90.9924% | 1,037 |
| Equity capital to assets | 6.5686% | 4,402 |
| Core capital (leverage) ratio | 7.4173% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1607% | 1,739 |
| Memoranda: | ||
| Average total assets | $293,508,500 | 2,527 |
| Average earning assets | $275,062,500 | 2,521 |
| Average equity | $19,390,500 | 3,200 |
| Average total loans | $186,283,500 | 2,326 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8353% | 4,152 |
| Cost of funding earning assets | 0.1056% | 4,344 |
| Net interest margin | 2.7297% | 3,819 |
| Noninterest income to average assets | 0.4847% | 2,649 |
| Noninterest expense to average assets | 2.8567% | 1,241 |
| Loan and lease loss provision to assets | -0.0428% | 4,319 |
| Net operating income to assets | 0.1906% | 4,547 |
| Return on assets (ROA) | 0.1903% | 4,563 |
| Pretax return on assets | 0.2310% | 4,544 |
| Return on Equity (ROE) | 2.7680% | 4,400 |
| Retained earnings to average equity (ytd only) | 2.7680% | 3,739 |
| Net charge-offs to loans | 0.0016% | 2,599 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,139 |
| Earnings coverage of net charge-offs (x) | 176.3333% | 586 |
| Efficiency ratio | 93.8085% | 235 |
| Assets per employee ($millions) | 5.9487% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5784% | 4,555 |
| Loan loss allowance to noncurrent loans | 720.9459% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 3,632 |
| Noncurrent loans to loans | 0.0802% | 3,524 |
| Net loans and leases to total assets | 62.9237% | 1,836 |
| Net loans and leases to deposits | 69.3616% | 2,187 |
| Net loans and leases to core deposits | 70.9679% | 2,358 |
| Total domestic deposits to total assets | 90.7183% | 617 |
| Equity capital to assets | 6.6449% | 4,771 |
| Core capital (leverage) ratio | 7.5407% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4297% | 1,703 |
| Memoranda: | ||
| Average total assets | $280,571,800 | 2,531 |
| Average earning assets | $263,181,600 | 2,533 |
| Average equity | $19,291,800 | 3,276 |
| Average total loans | $186,918,200 | 2,330 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9152% | 4,144 |
| Cost of funding earning assets | 0.1124% | 4,409 |
| Net interest margin | 2.8029% | 3,776 |
| Noninterest income to average assets | 0.5010% | 2,620 |
| Noninterest expense to average assets | 2.8946% | 1,135 |
| Loan and lease loss provision to assets | -0.0590% | 4,488 |
| Net operating income to assets | 0.2390% | 4,590 |
| Return on assets (ROA) | 0.2390% | 4,613 |
| Pretax return on assets | 0.2990% | 4,593 |
| Return on Equity (ROE) | 3.4452% | 4,392 |
| Retained earnings to average equity (ytd only) | 3.4452% | 3,753 |
| Net charge-offs to loans | 0.0014% | 2,369 |
| Credit loss provision to net charge-offs | -6,150.0000% | 4,162 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 485 |
| Efficiency ratio | 92.3454% | 261 |
| Assets per employee ($millions) | 5.7068% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5753% | 4,647 |
| Loan loss allowance to noncurrent loans | 710.0000% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 3,786 |
| Noncurrent loans to loans | 0.0810% | 3,682 |
| Net loans and leases to total assets | 64.5085% | 1,707 |
| Net loans and leases to deposits | 71.2704% | 2,126 |
| Net loans and leases to core deposits | 72.9023% | 2,330 |
| Total domestic deposits to total assets | 90.5123% | 558 |
| Equity capital to assets | 6.7968% | 4,843 |
| Core capital (leverage) ratio | 7.5086% | 4,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8312% | 1,676 |
| Memoranda: | ||
| Average total assets | $277,842,750 | 2,572 |
| Average earning assets | $261,060,250 | 2,566 |
| Average equity | $19,272,500 | 3,319 |
| Average total loans | $187,527,250 | 2,359 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9039% | 4,219 |
| Cost of funding earning assets | 0.1229% | 4,417 |
| Net interest margin | 2.7810% | 3,826 |
| Noninterest income to average assets | 0.4888% | 2,671 |
| Noninterest expense to average assets | 2.9316% | 1,098 |
| Loan and lease loss provision to assets | -0.0893% | 4,604 |
| Net operating income to assets | 0.2128% | 4,621 |
| Return on assets (ROA) | 0.2128% | 4,636 |
| Pretax return on assets | 0.2600% | 4,625 |
| Return on Equity (ROE) | 3.0470% | 4,467 |
| Retained earnings to average equity (ytd only) | 3.0470% | 3,823 |
| Net charge-offs to loans | 0.0021% | 2,128 |
| Credit loss provision to net charge-offs | -6,150.0000% | 4,010 |
| Earnings coverage of net charge-offs (x) | 117.5000% | 675 |
| Efficiency ratio | 94.4978% | 245 |
| Assets per employee ($millions) | 5.8806% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5680% | 4,684 |
| Loan loss allowance to noncurrent loans | 704.6358% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,890 |
| Noncurrent loans to loans | 0.0806% | 3,784 |
| Net loans and leases to total assets | 64.6414% | 1,873 |
| Net loans and leases to deposits | 71.2739% | 2,271 |
| Net loans and leases to core deposits | 72.8911% | 2,528 |
| Total domestic deposits to total assets | 90.6944% | 482 |
| Equity capital to assets | 6.6487% | 4,886 |
| Core capital (leverage) ratio | 7.6118% | 4,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8164% | 1,684 |
| Memoranda: | ||
| Average total assets | $275,344,000 | 2,577 |
| Average earning assets | $258,751,667 | 2,566 |
| Average equity | $19,232,000 | 3,313 |
| Average total loans | $188,325,333 | 2,365 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0292% | 4,023 |
| Cost of funding earning assets | 0.1380% | 4,393 |
| Net interest margin | 2.8912% | 3,548 |
| Noninterest income to average assets | 0.4819% | 2,700 |
| Noninterest expense to average assets | 2.9850% | 1,021 |
| Loan and lease loss provision to assets | -0.1829% | 4,800 |
| Net operating income to assets | 0.3108% | 4,500 |
| Return on assets (ROA) | 0.3108% | 4,536 |
| Pretax return on assets | 0.3912% | 4,494 |
| Return on Equity (ROE) | 4.3386% | 4,217 |
| Retained earnings to average equity (ytd only) | 4.3386% | 3,405 |
| Net charge-offs to loans | 0.0021% | 1,844 |
| Credit loss provision to net charge-offs | -12,300.0000% | 3,814 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 508 |
| Efficiency ratio | 93.4793% | 293 |
| Assets per employee ($millions) | 5.7659% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5657% | 4,722 |
| Loan loss allowance to noncurrent loans | 696.7320% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,983 |
| Noncurrent loans to loans | 0.0812% | 3,892 |
| Net loans and leases to total assets | 67.7069% | 1,564 |
| Net loans and leases to deposits | 74.9334% | 2,028 |
| Net loans and leases to core deposits | 77.2057% | 2,242 |
| Total domestic deposits to total assets | 90.3561% | 642 |
| Equity capital to assets | 6.8979% | 4,865 |
| Core capital (leverage) ratio | 7.8561% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6526% | 1,688 |
| Memoranda: | ||
| Average total assets | $268,942,000 | 2,603 |
| Average earning assets | $252,209,500 | 2,595 |
| Average equity | $19,269,000 | 3,304 |
| Average total loans | $188,824,500 | 2,361 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4641% | 4,088 |
| Cost of funding earning assets | 0.2076% | 4,558 |
| Net interest margin | 3.2565% | 3,188 |
| Noninterest income to average assets | 0.6516% | 2,021 |
| Noninterest expense to average assets | 3.3398% | 858 |
| Loan and lease loss provision to assets | 0.0752% | 3,441 |
| Net operating income to assets | 0.2371% | 4,525 |
| Return on assets (ROA) | 0.2371% | 4,588 |
| Pretax return on assets | 0.2853% | 4,567 |
| Return on Equity (ROE) | 2.9068% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.9068% | 3,415 |
| Net charge-offs to loans | 0.0021% | 3,327 |
| Credit loss provision to net charge-offs | 4,450.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 213.2500% | 447 |
| Efficiency ratio | 90.2581% | 371 |
| Assets per employee ($millions) | 5.4400% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6290% | 4,684 |
| Loan loss allowance to noncurrent loans | 285.3717% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 3,476 |
| Noncurrent loans to loans | 0.2204% | 3,413 |
| Net loans and leases to total assets | 71.9994% | 1,285 |
| Net loans and leases to deposits | 79.9650% | 1,868 |
| Net loans and leases to core deposits | 82.5281% | 2,154 |
| Total domestic deposits to total assets | 90.0386% | 550 |
| Equity capital to assets | 7.4476% | 4,844 |
| Core capital (leverage) ratio | 8.4238% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5061% | 1,676 |
| Memoranda: | ||
| Average total assets | $236,634,400 | 2,679 |
| Average earning assets | $221,526,800 | 2,665 |
| Average equity | $19,299,600 | 3,253 |
| Average total loans | $189,925,200 | 2,328 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 4,029 |
| Cost of funding earning assets | 0.2273% | 4,583 |
| Net interest margin | 3.3640% | 3,011 |
| Noninterest income to average assets | 0.6091% | 2,141 |
| Noninterest expense to average assets | 3.4641% | 737 |
| Loan and lease loss provision to assets | 0.0629% | 3,553 |
| Net operating income to assets | 0.2030% | 4,589 |
| Return on assets (ROA) | 0.2030% | 4,630 |
| Pretax return on assets | 0.2319% | 4,622 |
| Return on Equity (ROE) | 2.4295% | 4,487 |
| Retained earnings to average equity (ytd only) | 2.4295% | 3,772 |
| Net charge-offs to loans | 0.0028% | 3,074 |
| Credit loss provision to net charge-offs | 2,725.0000% | 372 |
| Earnings coverage of net charge-offs (x) | 127.5000% | 670 |
| Efficiency ratio | 92.1526% | 308 |
| Assets per employee ($millions) | 4.8884% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5749% | 4,759 |
| Loan loss allowance to noncurrent loans | 165.5835% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,056 |
| Noncurrent loans to loans | 0.3472% | 3,042 |
| Net loans and leases to total assets | 79.3152% | 674 |
| Net loans and leases to deposits | 88.6693% | 1,410 |
| Net loans and leases to core deposits | 91.6402% | 1,826 |
| Total domestic deposits to total assets | 89.4506% | 597 |
| Equity capital to assets | 7.8725% | 4,753 |
| Core capital (leverage) ratio | 8.5006% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9772% | 1,839 |
| Memoranda: | ||
| Average total assets | $230,513,250 | 2,700 |
| Average earning assets | $215,846,500 | 2,694 |
| Average equity | $19,262,750 | 3,252 |
| Average total loans | $190,108,000 | 2,319 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 3,997 |
| Cost of funding earning assets | 0.2480% | 4,629 |
| Net interest margin | 3.4943% | 2,803 |
| Noninterest income to average assets | 0.6393% | 1,978 |
| Noninterest expense to average assets | 3.6002% | 650 |
| Loan and lease loss provision to assets | 0.0699% | 3,418 |
| Net operating income to assets | 0.2116% | 4,562 |
| Return on assets (ROA) | 0.2116% | 4,601 |
| Pretax return on assets | 0.2382% | 4,599 |
| Return on Equity (ROE) | 2.4806% | 4,448 |
| Retained earnings to average equity (ytd only) | 2.4806% | 3,586 |
| Net charge-offs to loans | 0.0042% | 2,830 |
| Credit loss provision to net charge-offs | 1,975.0000% | 492 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 764 |
| Efficiency ratio | 92.1160% | 340 |
| Assets per employee ($millions) | 4.8959% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5606% | 4,780 |
| Loan loss allowance to noncurrent loans | 180.6291% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,304 |
| Noncurrent loans to loans | 0.3104% | 3,271 |
| Net loans and leases to total assets | 80.6630% | 519 |
| Net loans and leases to deposits | 90.3601% | 1,319 |
| Net loans and leases to core deposits | 93.5192% | 1,786 |
| Total domestic deposits to total assets | 89.2683% | 655 |
| Equity capital to assets | 7.9826% | 4,725 |
| Core capital (leverage) ratio | 8.8654% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7976% | 1,895 |
| Memoranda: | ||
| Average total assets | $225,877,333 | 2,713 |
| Average earning assets | $211,315,333 | 2,705 |
| Average equity | $19,269,667 | 3,248 |
| Average total loans | $188,482,667 | 2,321 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9788% | 3,851 |
| Cost of funding earning assets | 0.2814% | 4,706 |
| Net interest margin | 3.6974% | 2,330 |
| Noninterest income to average assets | 0.4752% | 2,681 |
| Noninterest expense to average assets | 3.6278% | 788 |
| Loan and lease loss provision to assets | 0.0384% | 3,293 |
| Net operating income to assets | 0.2431% | 4,460 |
| Return on assets (ROA) | 0.2431% | 4,481 |
| Pretax return on assets | 0.2668% | 4,499 |
| Return on Equity (ROE) | 2.7523% | 4,278 |
| Retained earnings to average equity (ytd only) | 2.7523% | 3,178 |
| Net charge-offs to loans | 0.0043% | 2,419 |
| Credit loss provision to net charge-offs | 1,050.0000% | 552 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 653 |
| Efficiency ratio | 92.2398% | 421 |
| Assets per employee ($millions) | 4.3137% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 4,814 |
| Loan loss allowance to noncurrent loans | 84.2706% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 2,323 |
| Noncurrent loans to loans | 0.6663% | 2,324 |
| Net loans and leases to total assets | 83.2343% | 332 |
| Net loans and leases to deposits | 94.2162% | 1,060 |
| Net loans and leases to core deposits | 97.3808% | 1,690 |
| Total domestic deposits to total assets | 88.3439% | 957 |
| Equity capital to assets | 8.6651% | 4,763 |
| Core capital (leverage) ratio | 9.4421% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1614% | 2,213 |
| Memoranda: | ||
| Average total assets | $218,867,500 | 2,723 |
| Average earning assets | $204,684,500 | 2,705 |
| Average equity | $19,329,500 | 3,234 |
| Average total loans | $185,424,500 | 2,301 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 4,119 |
| Cost of funding earning assets | 0.3207% | 4,682 |
| Net interest margin | 3.7430% | 2,682 |
| Noninterest income to average assets | 0.5507% | 2,477 |
| Noninterest expense to average assets | 3.5609% | 890 |
| Loan and lease loss provision to assets | 0.0370% | 3,270 |
| Net operating income to assets | 0.3545% | 4,668 |
| Return on assets (ROA) | 0.3545% | 4,702 |
| Pretax return on assets | 0.4470% | 4,646 |
| Return on Equity (ROE) | 4.0085% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.0085% | 2,958 |
| Net charge-offs to loans | 0.0055% | 3,481 |
| Credit loss provision to net charge-offs | 800.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 104.6000% | 659 |
| Efficiency ratio | 88.0334% | 438 |
| Assets per employee ($millions) | 4.2694% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5442% | 4,831 |
| Loan loss allowance to noncurrent loans | 104.9587% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,622 |
| Noncurrent loans to loans | 0.5185% | 2,629 |
| Net loans and leases to total assets | 85.2796% | 221 |
| Net loans and leases to deposits | 98.3684% | 727 |
| Net loans and leases to core deposits | 100.9811% | 1,486 |
| Total domestic deposits to total assets | 86.6941% | 1,756 |
| Equity capital to assets | 8.9998% | 4,683 |
| Core capital (leverage) ratio | 9.5172% | 4,044 |
| Tier 1 risk-based capital ratio | 13.7755% | 3,382 |
| Total risk-based capital ratio | 14.4575% | 3,571 |
| Memoranda: | ||
| Average total assets | $216,094,600 | 2,698 |
| Average earning assets | $201,734,800 | 2,698 |
| Average equity | $19,109,400 | 3,214 |
| Average total loans | $182,986,800 | 2,289 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0889% | 4,182 |
| Cost of funding earning assets | 0.3187% | 4,752 |
| Net interest margin | 3.7702% | 2,684 |
| Noninterest income to average assets | 0.5397% | 2,511 |
| Noninterest expense to average assets | 3.5854% | 862 |
| Loan and lease loss provision to assets | 0.0476% | 2,941 |
| Net operating income to assets | 0.3394% | 4,796 |
| Return on assets (ROA) | 0.3394% | 4,821 |
| Pretax return on assets | 0.4247% | 4,783 |
| Return on Equity (ROE) | 3.8550% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.8550% | 3,472 |
| Net charge-offs to loans | 0.0059% | 3,180 |
| Credit loss provision to net charge-offs | 962.5000% | 371 |
| Earnings coverage of net charge-offs (x) | 95.4677% | 776 |
| Efficiency ratio | 88.3608% | 378 |
| Assets per employee ($millions) | 4.3864% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5541% | 4,889 |
| Loan loss allowance to noncurrent loans | 315.2174% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,993 |
| Noncurrent loans to loans | 0.1758% | 3,905 |
| Net loans and leases to total assets | 84.7479% | 272 |
| Net loans and leases to deposits | 99.9479% | 639 |
| Net loans and leases to core deposits | 102.4010% | 1,462 |
| Total domestic deposits to total assets | 84.7921% | 2,504 |
| Equity capital to assets | 9.0074% | 4,778 |
| Core capital (leverage) ratio | 9.4525% | 4,216 |
| Tier 1 risk-based capital ratio | 13.6748% | 3,492 |
| Total risk-based capital ratio | 14.3584% | 3,700 |
| Memoranda: | ||
| Average total assets | $215,683,750 | 2,717 |
| Average earning assets | $201,255,250 | 2,721 |
| Average equity | $18,987,750 | 3,249 |
| Average total loans | $182,058,000 | 2,320 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 4,211 |
| Cost of funding earning assets | 0.3077% | 4,808 |
| Net interest margin | 3.7723% | 2,683 |
| Noninterest income to average assets | 0.5326% | 2,485 |
| Noninterest expense to average assets | 3.5844% | 864 |
| Loan and lease loss provision to assets | 0.0704% | 2,413 |
| Net operating income to assets | 0.3242% | 4,844 |
| Return on assets (ROA) | 0.3242% | 4,856 |
| Pretax return on assets | 0.3983% | 4,832 |
| Return on Equity (ROE) | 3.7108% | 4,650 |
| Retained earnings to average equity (ytd only) | 3.7108% | 3,405 |
| Net charge-offs to loans | 0.0044% | 3,008 |
| Credit loss provision to net charge-offs | 1,900.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 126.5000% | 575 |
| Efficiency ratio | 88.4369% | 421 |
| Assets per employee ($millions) | 4.4774% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5483% | 4,954 |
| Loan loss allowance to noncurrent loans | 312.2699% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1486% | 4,021 |
| Noncurrent loans to loans | 0.1756% | 3,929 |
| Net loans and leases to total assets | 84.1617% | 349 |
| Net loans and leases to deposits | 100.9276% | 612 |
| Net loans and leases to core deposits | 103.3847% | 1,436 |
| Total domestic deposits to total assets | 83.3882% | 3,075 |
| Equity capital to assets | 8.7332% | 4,932 |
| Core capital (leverage) ratio | 9.4060% | 4,241 |
| Tier 1 risk-based capital ratio | 13.5305% | 3,569 |
| Total risk-based capital ratio | 14.2155% | 3,768 |
| Memoranda: | ||
| Average total assets | $215,933,670 | 2,725 |
| Average earning assets | $201,520,000 | 2,719 |
| Average equity | $18,863,670 | 3,261 |
| Average total loans | $181,688,330 | 2,329 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 4,169 |
| Cost of funding earning assets | 0.2802% | 4,900 |
| Net interest margin | 3.8023% | 2,516 |
| Noninterest income to average assets | 0.4911% | 2,612 |
| Noninterest expense to average assets | 3.6264% | 818 |
| Loan and lease loss provision to assets | 0.0878% | 1,959 |
| Net operating income to assets | 0.2838% | 4,917 |
| Return on assets (ROA) | 0.2838% | 4,926 |
| Pretax return on assets | 0.3249% | 4,931 |
| Return on Equity (ROE) | 3.2486% | 4,730 |
| Retained earnings to average equity (ytd only) | 3.2486% | 3,624 |
| Net charge-offs to loans | 0.0045% | 2,548 |
| Credit loss provision to net charge-offs | 2,350.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 110.5000% | 626 |
| Efficiency ratio | 89.7827% | 400 |
| Assets per employee ($millions) | 4.2279% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5435% | 5,027 |
| Loan loss allowance to noncurrent loans | 168.5374% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2727% | 3,519 |
| Noncurrent loans to loans | 0.3225% | 3,409 |
| Net loans and leases to total assets | 84.0969% | 367 |
| Net loans and leases to deposits | 98.9663% | 698 |
| Net loans and leases to core deposits | 100.9689% | 1,537 |
| Total domestic deposits to total assets | 84.9753% | 2,687 |
| Equity capital to assets | 8.7703% | 4,844 |
| Core capital (leverage) ratio | 9.4890% | 4,144 |
| Tier 1 risk-based capital ratio | 13.6622% | 3,513 |
| Total risk-based capital ratio | 14.3423% | 3,744 |
| Memoranda: | ||
| Average total assets | $214,204,500 | 2,772 |
| Average earning assets | $199,877,500 | 2,765 |
| Average equity | $18,715,500 | 3,290 |
| Average total loans | $179,701,500 | 2,373 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 4,288 |
| Cost of funding earning assets | 0.2036% | 4,983 |
| Net interest margin | 3.6894% | 3,078 |
| Noninterest income to average assets | 0.4968% | 2,847 |
| Noninterest expense to average assets | 3.5331% | 959 |
| Loan and lease loss provision to assets | 0.0270% | 3,635 |
| Net operating income to assets | 0.2989% | 5,010 |
| Return on assets (ROA) | 0.2989% | 5,005 |
| Pretax return on assets | 0.3763% | 4,962 |
| Return on Equity (ROE) | 3.4784% | 4,825 |
| Retained earnings to average equity (ytd only) | 3.4784% | 3,674 |
| Net charge-offs to loans | 0.0017% | 3,690 |
| Credit loss provision to net charge-offs | 1,900.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 283.3333% | 344 |
| Efficiency ratio | 89.7541% | 354 |
| Assets per employee ($millions) | 4.2557% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5342% | 5,086 |
| Loan loss allowance to noncurrent loans | 178.1544% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 3,599 |
| Noncurrent loans to loans | 0.2999% | 3,484 |
| Net loans and leases to total assets | 82.7750% | 545 |
| Net loans and leases to deposits | 95.8249% | 1,088 |
| Net loans and leases to core deposits | 97.5476% | 1,903 |
| Total domestic deposits to total assets | 86.3815% | 2,060 |
| Equity capital to assets | 8.7037% | 4,798 |
| Core capital (leverage) ratio | 9.5557% | 4,052 |
| Tier 1 risk-based capital ratio | 14.0237% | 3,276 |
| Total risk-based capital ratio | 14.6952% | 3,482 |
| Memoranda: | ||
| Average total assets | $210,748,000 | 2,757 |
| Average earning assets | $196,481,800 | 2,748 |
| Average equity | $18,112,000 | 3,284 |
| Average total loans | $174,248,800 | 2,391 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 4,288 |
| Cost of funding earning assets | 0.1994% | 5,020 |
| Net interest margin | 3.6667% | 3,134 |
| Noninterest income to average assets | 0.4820% | 2,970 |
| Noninterest expense to average assets | 3.5521% | 915 |
| Loan and lease loss provision to assets | 0.0127% | 3,743 |
| Net operating income to assets | 0.2683% | 5,136 |
| Return on assets (ROA) | 0.2683% | 5,129 |
| Pretax return on assets | 0.3349% | 5,103 |
| Return on Equity (ROE) | 3.1315% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.1315% | 4,180 |
| Net charge-offs to loans | -0.0008% | 4,004 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0880% | 299 |
| Assets per employee ($millions) | 4.1587% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5282% | 5,154 |
| Loan loss allowance to noncurrent loans | 1,185.7143% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 4,801 |
| Noncurrent loans to loans | 0.0445% | 4,702 |
| Net loans and leases to total assets | 82.6835% | 606 |
| Net loans and leases to deposits | 94.8213% | 1,285 |
| Net loans and leases to core deposits | 96.5188% | 2,064 |
| Total domestic deposits to total assets | 87.1994% | 1,641 |
| Equity capital to assets | 8.7571% | 4,756 |
| Core capital (leverage) ratio | 9.3761% | 4,305 |
| Tier 1 risk-based capital ratio | 14.2922% | 3,213 |
| Total risk-based capital ratio | 14.9634% | 3,422 |
| Memoranda: | ||
| Average total assets | $210,239,000 | 2,786 |
| Average earning assets | $195,955,000 | 2,774 |
| Average equity | $18,010,000 | 3,315 |
| Average total loans | $173,541,500 | 2,408 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8304% | 4,268 |
| Cost of funding earning assets | 0.2004% | 5,029 |
| Net interest margin | 3.6300% | 3,197 |
| Noninterest income to average assets | 0.4644% | 3,066 |
| Noninterest expense to average assets | 3.6008% | 862 |
| Loan and lease loss provision to assets | 0.0076% | 3,690 |
| Net operating income to assets | 0.1981% | 5,231 |
| Return on assets (ROA) | 0.1981% | 5,224 |
| Pretax return on assets | 0.2389% | 5,213 |
| Return on Equity (ROE) | 2.3295% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.3295% | 4,343 |
| Net charge-offs to loans | -0.0035% | 4,033 |
| Credit loss provision to net charge-offs | -266.6667% | 4,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5945% | 272 |
| Assets per employee ($millions) | 4.2406% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5215% | 5,230 |
| Loan loss allowance to noncurrent loans | 716.6667% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,723 |
| Noncurrent loans to loans | 0.0728% | 4,597 |
| Net loans and leases to total assets | 81.2441% | 820 |
| Net loans and leases to deposits | 91.2897% | 1,672 |
| Net loans and leases to core deposits | 93.0788% | 2,301 |
| Total domestic deposits to total assets | 88.9958% | 938 |
| Equity capital to assets | 8.5036% | 4,936 |
| Core capital (leverage) ratio | 9.2033% | 4,458 |
| Tier 1 risk-based capital ratio | 14.1115% | 3,309 |
| Total risk-based capital ratio | 14.7742% | 3,511 |
| Memoranda: | ||
| Average total assets | $211,007,000 | 2,802 |
| Average earning assets | $196,639,000 | 2,785 |
| Average equity | $17,943,670 | 3,336 |
| Average total loans | $173,775,000 | 2,409 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 4,318 |
| Cost of funding earning assets | 0.2041% | 4,994 |
| Net interest margin | 3.5594% | 3,314 |
| Noninterest income to average assets | 0.4504% | 3,108 |
| Noninterest expense to average assets | 3.6827% | 783 |
| Loan and lease loss provision to assets | 0.0133% | 3,359 |
| Net operating income to assets | 0.0741% | 5,344 |
| Return on assets (ROA) | 0.0741% | 5,341 |
| Pretax return on assets | 0.0684% | 5,350 |
| Return on Equity (ROE) | 0.8715% | 5,318 |
| Retained earnings to average equity (ytd only) | 0.8715% | 4,655 |
| Net charge-offs to loans | -0.0023% | 3,822 |
| Credit loss provision to net charge-offs | -700.0000% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8294% | 210 |
| Assets per employee ($millions) | 4.2403% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5156% | 5,311 |
| Loan loss allowance to noncurrent loans | 240.2667% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 4,196 |
| Noncurrent loans to loans | 0.2146% | 4,013 |
| Net loans and leases to total assets | 82.0035% | 665 |
| Net loans and leases to deposits | 93.0409% | 1,325 |
| Net loans and leases to core deposits | 95.0111% | 2,057 |
| Total domestic deposits to total assets | 88.1370% | 1,543 |
| Equity capital to assets | 8.4377% | 5,022 |
| Core capital (leverage) ratio | 9.3129% | 4,305 |
| Tier 1 risk-based capital ratio | 14.0391% | 3,363 |
| Total risk-based capital ratio | 14.7019% | 3,605 |
| Memoranda: | ||
| Average total assets | $210,496,000 | 2,843 |
| Average earning assets | $195,986,500 | 2,821 |
| Average equity | $17,900,500 | 3,366 |
| Average total loans | $174,080,500 | 2,425 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6822% | 4,377 |
| Cost of funding earning assets | 0.2092% | 4,874 |
| Net interest margin | 3.4730% | 3,613 |
| Noninterest income to average assets | 0.5418% | 2,764 |
| Noninterest expense to average assets | 3.5708% | 929 |
| Loan and lease loss provision to assets | 0.0044% | 4,164 |
| Net operating income to assets | -0.1417% | 5,433 |
| Return on assets (ROA) | -0.1417% | 5,434 |
| Pretax return on assets | 0.1949% | 5,315 |
| Return on Equity (ROE) | -1.6037% | 5,447 |
| Retained earnings to average equity (ytd only) | -1.6037% | 5,242 |
| Net charge-offs to loans | 0.0006% | 4,111 |
| Credit loss provision to net charge-offs | 900.0000% | 394 |
| Earnings coverage of net charge-offs (x) | 412.0000% | 208 |
| Efficiency ratio | 94.7139% | 275 |
| Assets per employee ($millions) | 4.0976% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5144% | 5,369 |
| Loan loss allowance to noncurrent loans | 237.2340% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 4,234 |
| Noncurrent loans to loans | 0.2168% | 4,041 |
| Net loans and leases to total assets | 82.5490% | 609 |
| Net loans and leases to deposits | 92.7329% | 1,417 |
| Net loans and leases to core deposits | 94.5721% | 2,147 |
| Total domestic deposits to total assets | 89.0180% | 999 |
| Equity capital to assets | 8.5712% | 5,066 |
| Core capital (leverage) ratio | 9.1268% | 4,490 |
| Tier 1 risk-based capital ratio | 13.8526% | 3,445 |
| Total risk-based capital ratio | 14.5084% | 3,686 |
| Memoranda: | ||
| Average total assets | $206,729,600 | 2,851 |
| Average earning assets | $192,166,400 | 2,843 |
| Average equity | $18,270,800 | 3,332 |
| Average total loans | $171,837,000 | 2,402 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 4,407 |
| Cost of funding earning assets | 0.2124% | 4,870 |
| Net interest margin | 3.4542% | 3,662 |
| Noninterest income to average assets | 0.5529% | 2,714 |
| Noninterest expense to average assets | 3.5550% | 913 |
| Loan and lease loss provision to assets | 0.0058% | 4,008 |
| Net operating income to assets | 0.1584% | 5,392 |
| Return on assets (ROA) | 0.1584% | 5,401 |
| Pretax return on assets | 0.2005% | 5,390 |
| Return on Equity (ROE) | 1.7791% | 5,335 |
| Retained earnings to average equity (ytd only) | 1.7791% | 4,714 |
| Net charge-offs to loans | 0.0008% | 3,771 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | 319.7895% | 289 |
| Efficiency ratio | 94.5151% | 276 |
| Assets per employee ($millions) | 4.1318% | 3,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5121% | 5,445 |
| Loan loss allowance to noncurrent loans | 237.8667% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 4,391 |
| Noncurrent loans to loans | 0.2153% | 4,204 |
| Net loans and leases to total assets | 82.2393% | 643 |
| Net loans and leases to deposits | 94.5687% | 1,235 |
| Net loans and leases to core deposits | 96.2847% | 2,037 |
| Total domestic deposits to total assets | 86.9626% | 1,885 |
| Equity capital to assets | 8.7736% | 5,101 |
| Core capital (leverage) ratio | 9.4031% | 4,286 |
| Tier 1 risk-based capital ratio | 14.0735% | 3,407 |
| Total risk-based capital ratio | 14.7212% | 3,638 |
| Memoranda: | ||
| Average total assets | $206,167,250 | 2,881 |
| Average earning assets | $191,489,250 | 2,877 |
| Average equity | $18,360,500 | 3,348 |
| Average total loans | $171,445,750 | 2,420 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 4,382 |
| Cost of funding earning assets | 0.2154% | 4,840 |
| Net interest margin | 3.4280% | 3,671 |
| Noninterest income to average assets | 0.5502% | 2,716 |
| Noninterest expense to average assets | 3.5935% | 879 |
| Loan and lease loss provision to assets | 0.0049% | 3,808 |
| Net operating income to assets | 0.1212% | 5,471 |
| Return on assets (ROA) | 0.1212% | 5,476 |
| Pretax return on assets | 0.1407% | 5,477 |
| Return on Equity (ROE) | 1.3539% | 5,436 |
| Retained earnings to average equity (ytd only) | 1.3539% | 4,711 |
| Net charge-offs to loans | -0.0012% | 4,144 |
| Credit loss provision to net charge-offs | -500.0000% | 4,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1056% | 257 |
| Assets per employee ($millions) | 4.2409% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5196% | 5,491 |
| Loan loss allowance to noncurrent loans | 237.3333% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 4,452 |
| Noncurrent loans to loans | 0.2189% | 4,247 |
| Net loans and leases to total assets | 81.9996% | 665 |
| Net loans and leases to deposits | 93.3474% | 1,325 |
| Net loans and leases to core deposits | 95.1801% | 2,056 |
| Total domestic deposits to total assets | 87.8435% | 1,535 |
| Equity capital to assets | 8.8376% | 5,041 |
| Core capital (leverage) ratio | 9.5157% | 4,119 |
| Tier 1 risk-based capital ratio | 14.2983% | 3,264 |
| Total risk-based capital ratio | 14.9561% | 3,504 |
| Memoranda: | ||
| Average total assets | $204,648,330 | 2,912 |
| Average earning assets | $190,374,330 | 2,911 |
| Average equity | $18,318,000 | 3,360 |
| Average total loans | $170,531,000 | 2,437 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5977% | 4,427 |
| Cost of funding earning assets | 0.2161% | 4,834 |
| Net interest margin | 3.3816% | 3,704 |
| Noninterest income to average assets | 0.5515% | 2,655 |
| Noninterest expense to average assets | 3.6165% | 881 |
| Loan and lease loss provision to assets | 0.0039% | 3,506 |
| Net operating income to assets | 0.0808% | 5,539 |
| Return on assets (ROA) | 0.0808% | 5,544 |
| Pretax return on assets | 0.0749% | 5,547 |
| Return on Equity (ROE) | 0.8964% | 5,515 |
| Retained earnings to average equity (ytd only) | 0.8964% | 4,695 |
| Net charge-offs to loans | -0.0071% | 4,287 |
| Credit loss provision to net charge-offs | -66.6667% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8678% | 270 |
| Assets per employee ($millions) | 4.1537% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5213% | 5,579 |
| Loan loss allowance to noncurrent loans | 164.0221% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 4,148 |
| Noncurrent loans to loans | 0.3178% | 3,983 |
| Net loans and leases to total assets | 83.3530% | 429 |
| Net loans and leases to deposits | 95.1086% | 999 |
| Net loans and leases to core deposits | 97.0155% | 1,747 |
| Total domestic deposits to total assets | 87.6398% | 1,922 |
| Equity capital to assets | 8.9819% | 4,822 |
| Core capital (leverage) ratio | 9.6664% | 3,906 |
| Tier 1 risk-based capital ratio | 14.5160% | 3,189 |
| Total risk-based capital ratio | 15.1860% | 3,430 |
| Memoranda: | ||
| Average total assets | $203,069,500 | 2,958 |
| Average earning assets | $188,788,500 | 2,954 |
| Average equity | $18,294,500 | 3,375 |
| Average total loans | $170,151,500 | 2,460 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 4,722 |
| Cost of funding earning assets | 0.2171% | 4,866 |
| Net interest margin | 3.3061% | 4,127 |
| Noninterest income to average assets | 0.5668% | 2,831 |
| Noninterest expense to average assets | 3.6682% | 924 |
| Loan and lease loss provision to assets | -0.0103% | 5,493 |
| Net operating income to assets | 0.0133% | 5,631 |
| Return on assets (ROA) | 0.0133% | 5,656 |
| Pretax return on assets | -0.0267% | 5,667 |
| Return on Equity (ROE) | 0.1420% | 5,652 |
| Retained earnings to average equity (ytd only) | 0.1420% | 5,259 |
| Net charge-offs to loans | 0.0113% | 3,893 |
| Credit loss provision to net charge-offs | -111.1111% | 4,909 |
| Earnings coverage of net charge-offs (x) | -4.0000% | 4,212 |
| Efficiency ratio | 101.0180% | 210 |
| Assets per employee ($millions) | 4.0521% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5207% | 5,641 |
| Loan loss allowance to noncurrent loans | 158.1395% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 4,178 |
| Noncurrent loans to loans | 0.3293% | 3,958 |
| Net loans and leases to total assets | 83.3535% | 445 |
| Net loans and leases to deposits | 97.2436% | 890 |
| Net loans and leases to core deposits | 98.9808% | 1,712 |
| Total domestic deposits to total assets | 85.7162% | 2,721 |
| Equity capital to assets | 9.0362% | 4,774 |
| Core capital (leverage) ratio | 9.8390% | 3,700 |
| Tier 1 risk-based capital ratio | 14.4889% | 3,200 |
| Total risk-based capital ratio | 15.1554% | 3,431 |
| Memoranda: | ||
| Average total assets | $194,784,400 | 3,010 |
| Average earning assets | $180,543,000 | 3,010 |
| Average equity | $18,312,200 | 3,371 |
| Average total loans | $159,142,800 | 2,530 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 4,745 |
| Cost of funding earning assets | 0.2180% | 4,896 |
| Net interest margin | 3.3055% | 4,170 |
| Noninterest income to average assets | 0.5767% | 2,781 |
| Noninterest expense to average assets | 3.6688% | 896 |
| Loan and lease loss provision to assets | -0.0256% | 5,684 |
| Net operating income to assets | 0.0277% | 5,698 |
| Return on assets (ROA) | 0.0277% | 5,724 |
| Pretax return on assets | -0.0055% | 5,736 |
| Return on Equity (ROE) | 0.2912% | 5,718 |
| Retained earnings to average equity (ytd only) | 0.2912% | 5,275 |
| Net charge-offs to loans | 0.0051% | 3,728 |
| Credit loss provision to net charge-offs | -616.6667% | 5,120 |
| Earnings coverage of net charge-offs (x) | -7.5000% | 3,912 |
| Efficiency ratio | 100.8554% | 215 |
| Assets per employee ($millions) | 4.1277% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5507% | 5,664 |
| Loan loss allowance to noncurrent loans | 111.8321% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 3,805 |
| Noncurrent loans to loans | 0.4925% | 3,526 |
| Net loans and leases to total assets | 81.8157% | 647 |
| Net loans and leases to deposits | 93.8979% | 1,267 |
| Net loans and leases to core deposits | 95.6336% | 2,036 |
| Total domestic deposits to total assets | 87.1327% | 1,831 |
| Equity capital to assets | 9.4756% | 4,685 |
| Core capital (leverage) ratio | 9.9677% | 3,613 |
| Tier 1 risk-based capital ratio | 15.3874% | 2,875 |
| Total risk-based capital ratio | 16.0907% | 3,064 |
| Memoranda: | ||
| Average total assets | $192,828,750 | 3,043 |
| Average earning assets | $178,569,250 | 3,037 |
| Average equity | $18,313,250 | 3,391 |
| Average total loans | $156,487,500 | 2,566 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 4,812 |
| Cost of funding earning assets | 0.2165% | 4,977 |
| Net interest margin | 3.3035% | 4,219 |
| Noninterest income to average assets | 0.5862% | 2,690 |
| Noninterest expense to average assets | 3.6864% | 899 |
| Loan and lease loss provision to assets | -0.0426% | 5,819 |
| Net operating income to assets | 0.0322% | 5,742 |
| Return on assets (ROA) | 0.0322% | 5,774 |
| Pretax return on assets | 0.0031% | 5,788 |
| Return on Equity (ROE) | 0.3390% | 5,765 |
| Retained earnings to average equity (ytd only) | 0.3390% | 5,201 |
| Net charge-offs to loans | 0.0039% | 3,567 |
| Credit loss provision to net charge-offs | -1,366.6667% | 5,155 |
| Earnings coverage of net charge-offs (x) | -12.6667% | 3,654 |
| Efficiency ratio | 101.0829% | 226 |
| Assets per employee ($millions) | 3.9372% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5587% | 5,736 |
| Loan loss allowance to noncurrent loans | 137.4022% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 4,175 |
| Noncurrent loans to loans | 0.4066% | 3,900 |
| Net loans and leases to total assets | 81.0071% | 751 |
| Net loans and leases to deposits | 94.1141% | 1,282 |
| Net loans and leases to core deposits | 95.8809% | 1,986 |
| Total domestic deposits to total assets | 86.0733% | 2,387 |
| Equity capital to assets | 9.5296% | 4,738 |
| Core capital (leverage) ratio | 9.9556% | 3,613 |
| Tier 1 risk-based capital ratio | 15.6053% | 2,822 |
| Total risk-based capital ratio | 16.3180% | 2,985 |
| Memoranda: | ||
| Average total assets | $192,437,330 | 3,064 |
| Average earning assets | $178,293,330 | 3,060 |
| Average equity | $18,290,000 | 3,403 |
| Average total loans | $155,448,670 | 2,584 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5295% | 4,815 |
| Cost of funding earning assets | 0.2153% | 5,053 |
| Net interest margin | 3.3143% | 4,170 |
| Noninterest income to average assets | 0.5807% | 2,637 |
| Noninterest expense to average assets | 3.5797% | 1,050 |
| Loan and lease loss provision to assets | -0.0395% | 5,935 |
| Net operating income to assets | 0.1061% | 5,675 |
| Return on assets (ROA) | 0.1061% | 5,718 |
| Pretax return on assets | 0.1165% | 5,723 |
| Return on Equity (ROE) | 1.1183% | 5,676 |
| Retained earnings to average equity (ytd only) | 1.1183% | 4,795 |
| Net charge-offs to loans | 0.0026% | 3,033 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,874 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,062 |
| Efficiency ratio | 97.8941% | 345 |
| Assets per employee ($millions) | 4.2801% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5884% | 5,760 |
| Loan loss allowance to noncurrent loans | 103.7975% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 3,823 |
| Noncurrent loans to loans | 0.5669% | 3,492 |
| Net loans and leases to total assets | 77.4057% | 1,189 |
| Net loans and leases to deposits | 89.6571% | 1,616 |
| Net loans and leases to core deposits | 91.2969% | 2,249 |
| Total domestic deposits to total assets | 86.3352% | 2,523 |
| Equity capital to assets | 9.3470% | 4,842 |
| Core capital (leverage) ratio | 10.2037% | 3,309 |
| Tier 1 risk-based capital ratio | 16.0624% | 2,654 |
| Total risk-based capital ratio | 16.8152% | 2,815 |
| Memoranda: | ||
| Average total assets | $192,193,500 | 3,075 |
| Average earning assets | $178,381,000 | 3,067 |
| Average equity | $18,242,500 | 3,408 |
| Average total loans | $154,592,500 | 2,588 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 4,493 |
| Cost of funding earning assets | 0.1983% | 5,297 |
| Net interest margin | 3.4606% | 3,674 |
| Noninterest income to average assets | 0.5739% | 2,868 |
| Noninterest expense to average assets | 3.6008% | 1,123 |
| Loan and lease loss provision to assets | 0.0175% | 4,056 |
| Net operating income to assets | 0.1351% | 5,706 |
| Return on assets (ROA) | 0.1351% | 5,755 |
| Pretax return on assets | 0.1532% | 5,747 |
| Return on Equity (ROE) | 1.3676% | 5,709 |
| Retained earnings to average equity (ytd only) | 1.3676% | 4,949 |
| Net charge-offs to loans | 0.0026% | 4,379 |
| Credit loss provision to net charge-offs | 800.0000% | 425 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 717 |
| Efficiency ratio | 95.4743% | 423 |
| Assets per employee ($millions) | 4.0761% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5915% | 5,807 |
| Loan loss allowance to noncurrent loans | 82.6906% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 3,300 |
| Noncurrent loans to loans | 0.7153% | 3,039 |
| Net loans and leases to total assets | 82.6449% | 529 |
| Net loans and leases to deposits | 96.4443% | 968 |
| Net loans and leases to core deposits | 98.6234% | 1,623 |
| Total domestic deposits to total assets | 85.6918% | 2,777 |
| Equity capital to assets | 9.6437% | 4,382 |
| Core capital (leverage) ratio | 10.3213% | 3,133 |
| Tier 1 risk-based capital ratio | 15.9761% | 2,698 |
| Total risk-based capital ratio | 16.7435% | 2,872 |
| Memoranda: | ||
| Average total assets | $182,792,400 | 3,131 |
| Average earning assets | $168,900,800 | 3,139 |
| Average equity | $18,061,000 | 3,375 |
| Average total loans | $151,665,800 | 2,574 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 4,496 |
| Cost of funding earning assets | 0.1900% | 5,462 |
| Net interest margin | 3.4867% | 3,593 |
| Noninterest income to average assets | 0.5836% | 2,826 |
| Noninterest expense to average assets | 3.6039% | 1,114 |
| Loan and lease loss provision to assets | 0.0073% | 4,110 |
| Net operating income to assets | 0.1578% | 5,756 |
| Return on assets (ROA) | 0.1578% | 5,810 |
| Pretax return on assets | 0.1916% | 5,802 |
| Return on Equity (ROE) | 1.5876% | 5,755 |
| Retained earnings to average equity (ytd only) | 1.5876% | 5,070 |
| Net charge-offs to loans | 0.0009% | 4,166 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 271.6692% | 259 |
| Efficiency ratio | 94.7683% | 462 |
| Assets per employee ($millions) | 4.1425% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5921% | 5,906 |
| Loan loss allowance to noncurrent loans | 41.0455% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.2070% | 1,958 |
| Noncurrent loans to loans | 1.4426% | 1,744 |
| Net loans and leases to total assets | 83.1740% | 457 |
| Net loans and leases to deposits | 97.5372% | 858 |
| Net loans and leases to core deposits | 99.8058% | 1,536 |
| Total domestic deposits to total assets | 85.2741% | 2,897 |
| Equity capital to assets | 9.9166% | 4,267 |
| Core capital (leverage) ratio | 10.5640% | 2,967 |
| Tier 1 risk-based capital ratio | 16.3603% | 2,645 |
| Total risk-based capital ratio | 17.1313% | 2,794 |
| Memoranda: | ||
| Average total assets | $181,615,250 | 3,170 |
| Average earning assets | $167,679,500 | 3,181 |
| Average equity | $18,055,750 | 3,402 |
| Average total loans | $150,611,750 | 2,598 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 4,474 |
| Cost of funding earning assets | 0.1875% | 5,549 |
| Net interest margin | 3.4899% | 3,541 |
| Noninterest income to average assets | 0.5491% | 3,047 |
| Noninterest expense to average assets | 3.5833% | 1,159 |
| Loan and lease loss provision to assets | 0.0099% | 3,905 |
| Net operating income to assets | 0.1499% | 5,809 |
| Return on assets (ROA) | 0.1499% | 5,855 |
| Pretax return on assets | 0.1775% | 5,851 |
| Return on Equity (ROE) | 1.5070% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.5070% | 4,947 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0292% | 480 |
| Assets per employee ($millions) | 4.0325% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5940% | 5,983 |
| Loan loss allowance to noncurrent loans | 49.1295% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 2,493 |
| Noncurrent loans to loans | 1.2090% | 2,235 |
| Net loans and leases to total assets | 83.2809% | 438 |
| Net loans and leases to deposits | 96.3672% | 926 |
| Net loans and leases to core deposits | 98.6739% | 1,596 |
| Total domestic deposits to total assets | 86.4204% | 2,479 |
| Equity capital to assets | 9.9111% | 4,139 |
| Core capital (leverage) ratio | 10.5534% | 2,892 |
| Tier 1 risk-based capital ratio | 16.5513% | 2,590 |
| Total risk-based capital ratio | 17.3345% | 2,772 |
| Memoranda: | ||
| Average total assets | $181,396,670 | 3,201 |
| Average earning assets | $167,453,330 | 3,208 |
| Average equity | $18,049,330 | 3,414 |
| Average total loans | $149,980,670 | 2,618 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 4,351 |
| Cost of funding earning assets | 0.1914% | 5,588 |
| Net interest margin | 3.5115% | 3,384 |
| Noninterest income to average assets | 0.5514% | 2,940 |
| Noninterest expense to average assets | 3.5729% | 1,175 |
| Loan and lease loss provision to assets | 0.0176% | 3,494 |
| Net operating income to assets | 0.1654% | 5,752 |
| Return on assets (ROA) | 0.1654% | 5,826 |
| Pretax return on assets | 0.1985% | 5,827 |
| Return on Equity (ROE) | 1.6592% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.6592% | 4,808 |
| Net charge-offs to loans | -0.0027% | 4,380 |
| Credit loss provision to net charge-offs | -800.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2957% | 581 |
| Assets per employee ($millions) | 4.0400% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 6,054 |
| Loan loss allowance to noncurrent loans | 61.2203% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 0.8113% | 3,078 |
| Noncurrent loans to loans | 0.9927% | 2,783 |
| Net loans and leases to total assets | 81.2325% | 544 |
| Net loans and leases to deposits | 93.9452% | 987 |
| Net loans and leases to core deposits | 96.0333% | 1,612 |
| Total domestic deposits to total assets | 86.4679% | 2,684 |
| Equity capital to assets | 9.8648% | 4,305 |
| Core capital (leverage) ratio | 10.8000% | 2,626 |
| Tier 1 risk-based capital ratio | 17.0328% | 2,472 |
| Total risk-based capital ratio | 17.8231% | 2,602 |
| Memoranda: | ||
| Average total assets | $181,363,500 | 3,221 |
| Average earning assets | $167,222,000 | 3,217 |
| Average equity | $18,081,500 | 3,435 |
| Average total loans | $148,957,500 | 2,637 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 4,440 |
| Cost of funding earning assets | 0.2302% | 5,524 |
| Net interest margin | 3.5860% | 3,458 |
| Noninterest income to average assets | 0.5930% | 2,897 |
| Noninterest expense to average assets | 3.6360% | 1,237 |
| Loan and lease loss provision to assets | 0.0128% | 4,361 |
| Net operating income to assets | 0.2003% | 5,763 |
| Return on assets (ROA) | 0.2003% | 5,820 |
| Pretax return on assets | 0.2466% | 5,791 |
| Return on Equity (ROE) | 1.9931% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.9931% | 4,795 |
| Net charge-offs to loans | 0.0357% | 4,121 |
| Credit loss provision to net charge-offs | 43.3962% | 3,615 |
| Earnings coverage of net charge-offs (x) | 8.7736% | 2,834 |
| Efficiency ratio | 93.3410% | 632 |
| Assets per employee ($millions) | 4.0206% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5987% | 6,144 |
| Loan loss allowance to noncurrent loans | 48.3766% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0214% | 2,697 |
| Noncurrent loans to loans | 1.2375% | 2,379 |
| Net loans and leases to total assets | 82.0427% | 517 |
| Net loans and leases to deposits | 97.1593% | 820 |
| Net loans and leases to core deposits | 99.2166% | 1,447 |
| Total domestic deposits to total assets | 84.4414% | 3,538 |
| Equity capital to assets | 10.0752% | 4,014 |
| Core capital (leverage) ratio | 9.8538% | 3,768 |
| Tier 1 risk-based capital ratio | 15.8767% | 3,021 |
| Total risk-based capital ratio | 16.6764% | 3,206 |
| Memoranda: | ||
| Average total assets | $179,261,600 | 3,216 |
| Average earning assets | $165,084,800 | 3,216 |
| Average equity | $18,011,800 | 3,393 |
| Average total loans | $148,472,400 | 2,594 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8192% | 4,474 |
| Cost of funding earning assets | 0.2415% | 5,493 |
| Net interest margin | 3.5777% | 3,518 |
| Noninterest income to average assets | 0.5614% | 3,129 |
| Noninterest expense to average assets | 3.6224% | 1,257 |
| Loan and lease loss provision to assets | 0.0015% | 4,379 |
| Net operating income to assets | 0.1946% | 5,857 |
| Return on assets (ROA) | 0.1946% | 5,910 |
| Pretax return on assets | 0.2289% | 5,905 |
| Return on Equity (ROE) | 1.9379% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.9379% | 5,085 |
| Net charge-offs to loans | 0.0459% | 3,577 |
| Credit loss provision to net charge-offs | 3.9216% | 3,766 |
| Earnings coverage of net charge-offs (x) | 6.0587% | 3,144 |
| Efficiency ratio | 94.0209% | 596 |
| Assets per employee ($millions) | 4.2412% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5823% | 6,246 |
| Loan loss allowance to noncurrent loans | 65.7400% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 3,628 |
| Noncurrent loans to loans | 0.8857% | 3,355 |
| Net loans and leases to total assets | 81.9184% | 518 |
| Net loans and leases to deposits | 96.7779% | 821 |
| Net loans and leases to core deposits | 98.6229% | 1,480 |
| Total domestic deposits to total assets | 84.6458% | 3,479 |
| Equity capital to assets | 9.9373% | 4,248 |
| Core capital (leverage) ratio | 9.8842% | 3,833 |
| Tier 1 risk-based capital ratio | 15.7356% | 3,192 |
| Total risk-based capital ratio | 16.5151% | 3,380 |
| Memoranda: | ||
| Average total assets | $178,844,750 | 3,246 |
| Average earning assets | $164,531,750 | 3,253 |
| Average equity | $17,957,500 | 3,423 |
| Average total loans | $148,257,250 | 2,606 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,500 |
| Cost of funding earning assets | 0.2436% | 5,553 |
| Net interest margin | 3.5644% | 3,514 |
| Noninterest income to average assets | 0.5347% | 3,237 |
| Noninterest expense to average assets | 3.6247% | 1,252 |
| Loan and lease loss provision to assets | -0.0158% | 6,243 |
| Net operating income to assets | 0.1891% | 5,868 |
| Return on assets (ROA) | 0.1891% | 5,917 |
| Pretax return on assets | 0.2038% | 5,943 |
| Return on Equity (ROE) | 1.8769% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.8769% | 4,950 |
| Net charge-offs to loans | 0.0122% | 4,002 |
| Credit loss provision to net charge-offs | -155.5556% | 5,351 |
| Earnings coverage of net charge-offs (x) | 18.5556% | 1,676 |
| Efficiency ratio | 95.0694% | 598 |
| Assets per employee ($millions) | 3.8870% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 6,311 |
| Loan loss allowance to noncurrent loans | 66.8398% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7539% | 3,711 |
| Noncurrent loans to loans | 0.8982% | 3,460 |
| Net loans and leases to total assets | 83.4276% | 343 |
| Net loans and leases to deposits | 98.8228% | 613 |
| Net loans and leases to core deposits | 100.7517% | 1,224 |
| Total domestic deposits to total assets | 84.4214% | 3,761 |
| Equity capital to assets | 10.0882% | 3,992 |
| Core capital (leverage) ratio | 9.9798% | 3,644 |
| Tier 1 risk-based capital ratio | 15.8221% | 3,184 |
| Total risk-based capital ratio | 16.6364% | 3,361 |
| Memoranda: | ||
| Average total assets | $177,668,670 | 3,278 |
| Average earning assets | $163,392,000 | 3,278 |
| Average equity | $17,902,330 | 3,430 |
| Average total loans | $147,585,670 | 2,618 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8194% | 4,404 |
| Cost of funding earning assets | 0.2458% | 5,626 |
| Net interest margin | 3.5736% | 3,372 |
| Noninterest income to average assets | 0.5082% | 3,343 |
| Noninterest expense to average assets | 3.6273% | 1,257 |
| Loan and lease loss provision to assets | -0.0429% | 6,448 |
| Net operating income to assets | 0.2191% | 5,746 |
| Return on assets (ROA) | 0.2191% | 5,797 |
| Pretax return on assets | 0.2078% | 5,909 |
| Return on Equity (ROE) | 2.1756% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.1756% | 4,733 |
| Net charge-offs to loans | 0.0027% | 3,625 |
| Credit loss provision to net charge-offs | -1,900.0000% | 5,462 |
| Earnings coverage of net charge-offs (x) | 73.0000% | 574 |
| Efficiency ratio | 95.6522% | 659 |
| Assets per employee ($millions) | 4.0283% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6190% | 6,382 |
| Loan loss allowance to noncurrent loans | 65.1766% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 3,787 |
| Noncurrent loans to loans | 0.9497% | 3,514 |
| Net loans and leases to total assets | 81.8871% | 365 |
| Net loans and leases to deposits | 97.1219% | 588 |
| Net loans and leases to core deposits | 99.0345% | 1,172 |
| Total domestic deposits to total assets | 84.3137% | 4,159 |
| Equity capital to assets | 10.1290% | 3,682 |
| Core capital (leverage) ratio | 9.8980% | 3,717 |
| Tier 1 risk-based capital ratio | 16.2794% | 3,021 |
| Total risk-based capital ratio | 17.1287% | 3,188 |
| Memoranda: | ||
| Average total assets | $177,101,500 | 3,307 |
| Average earning assets | $162,749,500 | 3,310 |
| Average equity | $17,834,500 | 3,443 |
| Average total loans | $146,342,500 | 2,638 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 5,125 |
| Cost of funding earning assets | 0.4127% | 4,507 |
| Net interest margin | 3.2909% | 4,696 |
| Noninterest income to average assets | 0.6077% | 3,045 |
| Noninterest expense to average assets | 3.4937% | 1,670 |
| Loan and lease loss provision to assets | 0.0176% | 4,779 |
| Net operating income to assets | 0.0990% | 6,047 |
| Return on assets (ROA) | 0.0990% | 6,097 |
| Pretax return on assets | 0.1133% | 6,074 |
| Return on Equity (ROE) | 1.0219% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.0219% | 5,380 |
| Net charge-offs to loans | 0.1327% | 3,477 |
| Credit loss provision to net charge-offs | 17.1123% | 4,496 |
| Earnings coverage of net charge-offs (x) | 1.2727% | 4,639 |
| Efficiency ratio | 96.3890% | 619 |
| Assets per employee ($millions) | 4.0218% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 6,444 |
| Loan loss allowance to noncurrent loans | 53.0729% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9838% | 3,447 |
| Noncurrent loans to loans | 1.1873% | 3,169 |
| Net loans and leases to total assets | 82.3451% | 381 |
| Net loans and leases to deposits | 97.6361% | 614 |
| Net loans and leases to core deposits | 99.5620% | 1,193 |
| Total domestic deposits to total assets | 84.3387% | 4,040 |
| Equity capital to assets | 10.0114% | 3,755 |
| Core capital (leverage) ratio | 9.8330% | 3,800 |
| Tier 1 risk-based capital ratio | 16.0900% | 3,059 |
| Total risk-based capital ratio | 16.9531% | 3,207 |
| Memoranda: | ||
| Average total assets | $181,843,600 | 3,257 |
| Average earning assets | $166,703,000 | 3,259 |
| Average equity | $17,615,000 | 3,481 |
| Average total loans | $140,888,800 | 2,679 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 5,235 |
| Cost of funding earning assets | 0.4531% | 4,242 |
| Net interest margin | 3.2228% | 4,922 |
| Noninterest income to average assets | 0.5856% | 3,243 |
| Noninterest expense to average assets | 3.4275% | 1,764 |
| Loan and lease loss provision to assets | 0.0189% | 4,635 |
| Net operating income to assets | 0.0816% | 6,169 |
| Return on assets (ROA) | 0.0816% | 6,224 |
| Pretax return on assets | 0.0918% | 6,216 |
| Return on Equity (ROE) | 0.8490% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.8490% | 5,643 |
| Net charge-offs to loans | 0.1759% | 2,815 |
| Credit loss provision to net charge-offs | 14.1304% | 4,162 |
| Earnings coverage of net charge-offs (x) | 0.8261% | 4,579 |
| Efficiency ratio | 96.8711% | 580 |
| Assets per employee ($millions) | 4.0237% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6389% | 6,518 |
| Loan loss allowance to noncurrent loans | 56.0219% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9286% | 3,812 |
| Noncurrent loans to loans | 1.1405% | 3,522 |
| Net loans and leases to total assets | 80.8976% | 462 |
| Net loans and leases to deposits | 95.8693% | 700 |
| Net loans and leases to core deposits | 97.7558% | 1,259 |
| Total domestic deposits to total assets | 84.3833% | 4,035 |
| Equity capital to assets | 9.9740% | 3,937 |
| Core capital (leverage) ratio | 9.4910% | 4,422 |
| Tier 1 risk-based capital ratio | 16.2323% | 3,069 |
| Total risk-based capital ratio | 17.1076% | 3,219 |
| Memoranda: | ||
| Average total assets | $183,064,750 | 3,271 |
| Average earning assets | $167,715,000 | 3,277 |
| Average equity | $17,589,750 | 3,518 |
| Average total loans | $139,450,750 | 2,721 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6243% | 5,363 |
| Cost of funding earning assets | 0.4694% | 4,215 |
| Net interest margin | 3.1549% | 5,108 |
| Noninterest income to average assets | 0.6181% | 3,086 |
| Noninterest expense to average assets | 3.3868% | 1,850 |
| Loan and lease loss provision to assets | 0.0151% | 4,588 |
| Net operating income to assets | 0.0843% | 6,167 |
| Return on assets (ROA) | 0.0843% | 6,249 |
| Pretax return on assets | 0.1070% | 6,219 |
| Return on Equity (ROE) | 0.8880% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.8880% | 5,544 |
| Net charge-offs to loans | 0.2669% | 2,141 |
| Credit loss provision to net charge-offs | 7.6087% | 3,929 |
| Earnings coverage of net charge-offs (x) | 0.6141% | 4,320 |
| Efficiency ratio | 96.5199% | 636 |
| Assets per employee ($millions) | 4.2491% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6514% | 6,560 |
| Loan loss allowance to noncurrent loans | 55.1578% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 0.8815% | 4,038 |
| Noncurrent loans to loans | 1.1810% | 3,583 |
| Net loans and leases to total assets | 74.1488% | 1,227 |
| Net loans and leases to deposits | 89.1964% | 1,210 |
| Net loans and leases to core deposits | 90.8799% | 1,824 |
| Total domestic deposits to total assets | 83.1297% | 4,651 |
| Equity capital to assets | 9.4180% | 4,692 |
| Core capital (leverage) ratio | 9.4103% | 4,376 |
| Tier 1 risk-based capital ratio | 16.6947% | 2,840 |
| Total risk-based capital ratio | 17.5836% | 2,982 |
| Memoranda: | ||
| Average total assets | $185,072,670 | 3,267 |
| Average earning assets | $169,578,000 | 3,261 |
| Average equity | $17,567,000 | 3,544 |
| Average total loans | $137,886,670 | 2,745 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6761% | 5,239 |
| Cost of funding earning assets | 0.4767% | 4,310 |
| Net interest margin | 3.1994% | 4,936 |
| Noninterest income to average assets | 0.6387% | 2,938 |
| Noninterest expense to average assets | 3.4281% | 1,771 |
| Loan and lease loss provision to assets | 0.0282% | 4,112 |
| Net operating income to assets | 0.0695% | 6,208 |
| Return on assets (ROA) | 0.0695% | 6,293 |
| Pretax return on assets | 0.1130% | 6,236 |
| Return on Equity (ROE) | 0.7295% | 6,273 |
| Retained earnings to average equity (ytd only) | 0.7295% | 5,538 |
| Net charge-offs to loans | 0.0146% | 3,854 |
| Credit loss provision to net charge-offs | 260.0000% | 894 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,557 |
| Efficiency ratio | 96.0438% | 729 |
| Assets per employee ($millions) | 4.2438% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,470 |
| Loan loss allowance to noncurrent loans | 66.8512% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 4,202 |
| Noncurrent loans to loans | 1.1826% | 3,794 |
| Net loans and leases to total assets | 73.0521% | 1,198 |
| Net loans and leases to deposits | 87.9978% | 1,150 |
| Net loans and leases to core deposits | 89.6636% | 1,732 |
| Total domestic deposits to total assets | 83.0158% | 4,849 |
| Equity capital to assets | 9.4330% | 4,951 |
| Core capital (leverage) ratio | 9.4355% | 4,190 |
| Tier 1 risk-based capital ratio | 16.8749% | 2,817 |
| Total risk-based capital ratio | 17.9554% | 2,873 |
| Memoranda: | ||
| Average total assets | $184,128,000 | 3,302 |
| Average earning assets | $168,658,500 | 3,298 |
| Average equity | $17,546,500 | 3,586 |
| Average total loans | $137,060,500 | 2,778 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 5,478 |
| Cost of funding earning assets | 0.5972% | 4,385 |
| Net interest margin | 3.3382% | 5,112 |
| Noninterest income to average assets | 0.8792% | 1,932 |
| Noninterest expense to average assets | 3.7264% | 1,368 |
| Loan and lease loss provision to assets | 0.1533% | 3,694 |
| Net operating income to assets | 0.0017% | 6,166 |
| Return on assets (ROA) | 0.0017% | 6,302 |
| Pretax return on assets | 0.0409% | 6,232 |
| Return on Equity (ROE) | 0.0171% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.0171% | 5,825 |
| Net charge-offs to loans | 0.0486% | 5,234 |
| Credit loss provision to net charge-offs | 421.8750% | 572 |
| Earnings coverage of net charge-offs (x) | 5.3438% | 3,066 |
| Efficiency ratio | 95.0456% | 749 |
| Assets per employee ($millions) | 4.1257% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 6,506 |
| Loan loss allowance to noncurrent loans | 65.4733% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 0.9078% | 4,225 |
| Noncurrent loans to loans | 1.2062% | 3,842 |
| Net loans and leases to total assets | 74.6696% | 1,100 |
| Net loans and leases to deposits | 90.4008% | 1,042 |
| Net loans and leases to core deposits | 92.1675% | 1,624 |
| Total domestic deposits to total assets | 82.5984% | 4,889 |
| Equity capital to assets | 9.6288% | 4,693 |
| Core capital (leverage) ratio | 9.7008% | 3,802 |
| Tier 1 risk-based capital ratio | 17.1566% | 2,581 |
| Total risk-based capital ratio | 18.2437% | 2,623 |
| Memoranda: | ||
| Average total assets | $176,069,400 | 3,364 |
| Average earning assets | $160,416,000 | 3,371 |
| Average equity | $17,512,000 | 3,533 |
| Average total loans | $131,750,400 | 2,851 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 5,569 |
| Cost of funding earning assets | 0.6289% | 4,377 |
| Net interest margin | 3.3516% | 5,212 |
| Noninterest income to average assets | 0.8349% | 2,095 |
| Noninterest expense to average assets | 3.7663% | 1,266 |
| Loan and lease loss provision to assets | 0.1213% | 4,039 |
| Net operating income to assets | -0.0496% | 6,336 |
| Return on assets (ROA) | -0.0496% | 6,457 |
| Pretax return on assets | -0.0023% | 6,394 |
| Return on Equity (ROE) | -0.4946% | 6,458 |
| Retained earnings to average equity (ytd only) | -0.4946% | 6,176 |
| Net charge-offs to loans | 0.0644% | 4,779 |
| Credit loss provision to net charge-offs | 252.3810% | 1,086 |
| Earnings coverage of net charge-offs (x) | 2.4761% | 4,050 |
| Efficiency ratio | 96.9358% | 641 |
| Assets per employee ($millions) | 4.1457% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7146% | 6,736 |
| Loan loss allowance to noncurrent loans | 94.1691% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 5,222 |
| Noncurrent loans to loans | 0.7588% | 4,900 |
| Net loans and leases to total assets | 75.5263% | 1,040 |
| Net loans and leases to deposits | 91.7227% | 999 |
| Net loans and leases to core deposits | 94.9217% | 1,495 |
| Total domestic deposits to total assets | 82.3420% | 4,903 |
| Equity capital to assets | 9.7680% | 4,822 |
| Core capital (leverage) ratio | 9.7115% | 3,940 |
| Tier 1 risk-based capital ratio | 17.3186% | 2,602 |
| Total risk-based capital ratio | 18.3107% | 2,658 |
| Memoranda: | ||
| Average total assets | $174,704,500 | 3,419 |
| Average earning assets | $159,003,750 | 3,428 |
| Average equity | $17,520,250 | 3,566 |
| Average total loans | $130,531,500 | 2,907 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 5,646 |
| Cost of funding earning assets | 0.6569% | 4,383 |
| Net interest margin | 3.3402% | 5,301 |
| Noninterest income to average assets | 0.8472% | 1,977 |
| Noninterest expense to average assets | 3.8117% | 1,198 |
| Loan and lease loss provision to assets | 0.1568% | 3,555 |
| Net operating income to assets | -0.1487% | 6,487 |
| Return on assets (ROA) | -0.1487% | 6,580 |
| Pretax return on assets | -0.0853% | 6,511 |
| Return on Equity (ROE) | -1.4696% | 6,581 |
| Retained earnings to average equity (ytd only) | -1.4696% | 6,285 |
| Net charge-offs to loans | 0.0931% | 4,221 |
| Credit loss provision to net charge-offs | 226.6667% | 1,257 |
| Earnings coverage of net charge-offs (x) | 1.0333% | 4,504 |
| Efficiency ratio | 98.1597% | 618 |
| Assets per employee ($millions) | 4.1735% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 6,805 |
| Loan loss allowance to noncurrent loans | 137.3372% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 5,796 |
| Noncurrent loans to loans | 0.5228% | 5,478 |
| Net loans and leases to total assets | 74.8589% | 1,119 |
| Net loans and leases to deposits | 92.3797% | 909 |
| Net loans and leases to core deposits | 95.7104% | 1,452 |
| Total domestic deposits to total assets | 81.0340% | 5,456 |
| Equity capital to assets | 10.0064% | 4,329 |
| Core capital (leverage) ratio | 9.8607% | 3,637 |
| Tier 1 risk-based capital ratio | 17.9375% | 2,313 |
| Total risk-based capital ratio | 18.9408% | 2,368 |
| Memoranda: | ||
| Average total assets | $173,517,670 | 3,449 |
| Average earning assets | $157,714,330 | 3,470 |
| Average equity | $17,556,000 | 3,563 |
| Average total loans | $128,840,000 | 2,947 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0213% | 5,696 |
| Cost of funding earning assets | 0.6872% | 4,390 |
| Net interest margin | 3.3340% | 5,353 |
| Noninterest income to average assets | 0.6604% | 2,865 |
| Noninterest expense to average assets | 3.8509% | 1,131 |
| Loan and lease loss provision to assets | 0.2433% | 2,521 |
| Net operating income to assets | -0.4889% | 6,823 |
| Return on assets (ROA) | -0.4889% | 6,851 |
| Pretax return on assets | -0.4101% | 6,789 |
| Return on Equity (ROE) | -4.8053% | 6,845 |
| Retained earnings to average equity (ytd only) | -4.8053% | 6,570 |
| Net charge-offs to loans | 0.1950% | 2,946 |
| Credit loss provision to net charge-offs | 169.3548% | 1,508 |
| Earnings coverage of net charge-offs (x) | -1.1613% | 4,568 |
| Efficiency ratio | 104.5283% | 442 |
| Assets per employee ($millions) | 3.9476% | 4,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 6,856 |
| Loan loss allowance to noncurrent loans | 95.4167% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 5,498 |
| Noncurrent loans to loans | 0.7523% | 5,157 |
| Net loans and leases to total assets | 72.9380% | 1,237 |
| Net loans and leases to deposits | 90.1355% | 953 |
| Net loans and leases to core deposits | 93.8729% | 1,478 |
| Total domestic deposits to total assets | 80.9205% | 5,627 |
| Equity capital to assets | 10.0516% | 4,062 |
| Core capital (leverage) ratio | 9.5325% | 4,007 |
| Tier 1 risk-based capital ratio | 17.4929% | 2,480 |
| Total risk-based capital ratio | 18.4839% | 2,555 |
| Memoranda: | ||
| Average total assets | $172,633,000 | 3,483 |
| Average earning assets | $156,568,000 | 3,502 |
| Average equity | $17,564,000 | 3,560 |
| Average total loans | $127,176,500 | 2,998 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3688% | 5,540 |
| Cost of funding earning assets | 0.8103% | 4,789 |
| Net interest margin | 3.5585% | 4,900 |
| Noninterest income to average assets | 0.6627% | 2,821 |
| Noninterest expense to average assets | 3.7891% | 1,368 |
| Loan and lease loss provision to assets | 0.0236% | 6,281 |
| Net operating income to assets | 0.0035% | 6,031 |
| Return on assets (ROA) | 0.0035% | 6,157 |
| Pretax return on assets | 0.0744% | 6,008 |
| Return on Equity (ROE) | 0.0341% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.0341% | 5,823 |
| Net charge-offs to loans | 0.0047% | 6,378 |
| Credit loss provision to net charge-offs | 666.6667% | 330 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 896 |
| Efficiency ratio | 97.4776% | 751 |
| Assets per employee ($millions) | 3.8994% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6888% | 6,920 |
| Loan loss allowance to noncurrent loans | 63.3527% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 5,025 |
| Noncurrent loans to loans | 1.0872% | 4,539 |
| Net loans and leases to total assets | 73.3657% | 1,382 |
| Net loans and leases to deposits | 93.0031% | 883 |
| Net loans and leases to core deposits | 97.0053% | 1,412 |
| Total domestic deposits to total assets | 78.8852% | 6,018 |
| Equity capital to assets | 10.2983% | 3,787 |
| Core capital (leverage) ratio | 9.7689% | 3,649 |
| Tier 1 risk-based capital ratio | 18.1269% | 2,150 |
| Total risk-based capital ratio | 19.0918% | 2,225 |
| Memoranda: | ||
| Average total assets | $169,300,400 | 3,500 |
| Average earning assets | $153,406,400 | 3,522 |
| Average equity | $17,573,400 | 3,494 |
| Average total loans | $128,598,000 | 3,005 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 5,582 |
| Cost of funding earning assets | 0.8244% | 4,981 |
| Net interest margin | 3.5833% | 4,839 |
| Noninterest income to average assets | 0.5942% | 3,209 |
| Noninterest expense to average assets | 3.7897% | 1,316 |
| Loan and lease loss provision to assets | 0.0300% | 6,061 |
| Net operating income to assets | -0.0561% | 6,231 |
| Return on assets (ROA) | -0.0561% | 6,326 |
| Pretax return on assets | 0.0237% | 6,207 |
| Return on Equity (ROE) | -0.5394% | 6,324 |
| Retained earnings to average equity (ytd only) | -0.5394% | 6,079 |
| Net charge-offs to loans | 0.0031% | 6,154 |
| Credit loss provision to net charge-offs | 1,266.6667% | 218 |
| Earnings coverage of net charge-offs (x) | 22.6650% | 1,145 |
| Efficiency ratio | 98.6020% | 713 |
| Assets per employee ($millions) | 3.8463% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6783% | 6,996 |
| Loan loss allowance to noncurrent loans | 62.8325% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 5,012 |
| Noncurrent loans to loans | 1.0796% | 4,754 |
| Net loans and leases to total assets | 75.6197% | 1,036 |
| Net loans and leases to deposits | 96.1726% | 687 |
| Net loans and leases to core deposits | 100.0618% | 1,240 |
| Total domestic deposits to total assets | 78.6291% | 6,062 |
| Equity capital to assets | 10.3962% | 3,838 |
| Core capital (leverage) ratio | 9.7822% | 3,726 |
| Tier 1 risk-based capital ratio | 17.7102% | 2,360 |
| Total risk-based capital ratio | 18.6664% | 2,450 |
| Memoranda: | ||
| Average total assets | $168,732,500 | 3,542 |
| Average earning assets | $153,004,250 | 3,550 |
| Average equity | $17,549,500 | 3,500 |
| Average total loans | $129,060,500 | 3,028 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 5,468 |
| Cost of funding earning assets | 0.8358% | 5,161 |
| Net interest margin | 3.6290% | 4,609 |
| Noninterest income to average assets | 0.5980% | 3,159 |
| Noninterest expense to average assets | 3.7944% | 1,355 |
| Loan and lease loss provision to assets | 0.0036% | 6,199 |
| Net operating income to assets | 0.0581% | 6,095 |
| Return on assets (ROA) | 0.0581% | 6,178 |
| Pretax return on assets | 0.0866% | 6,122 |
| Return on Equity (ROE) | 0.5589% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.5589% | 5,629 |
| Net charge-offs to loans | 0.0046% | 5,814 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,040 |
| Efficiency ratio | 97.6787% | 803 |
| Assets per employee ($millions) | 3.8338% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6582% | 7,077 |
| Loan loss allowance to noncurrent loans | 72.0790% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7375% | 5,436 |
| Noncurrent loans to loans | 0.9132% | 5,140 |
| Net loans and leases to total assets | 75.0671% | 1,232 |
| Net loans and leases to deposits | 95.6860% | 751 |
| Net loans and leases to core deposits | 97.7422% | 1,522 |
| Total domestic deposits to total assets | 78.4516% | 6,199 |
| Equity capital to assets | 10.4099% | 3,626 |
| Core capital (leverage) ratio | 9.7145% | 3,646 |
| Tier 1 risk-based capital ratio | 17.8795% | 2,215 |
| Total risk-based capital ratio | 18.8145% | 2,287 |
| Memoranda: | ||
| Average total assets | $168,565,000 | 3,561 |
| Average earning assets | $152,661,000 | 3,585 |
| Average equity | $17,534,670 | 3,491 |
| Average total loans | $129,131,000 | 3,051 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 5,059 |
| Cost of funding earning assets | 0.8637% | 5,182 |
| Net interest margin | 3.7093% | 4,052 |
| Noninterest income to average assets | 0.5578% | 3,451 |
| Noninterest expense to average assets | 3.8195% | 1,305 |
| Loan and lease loss provision to assets | 0.0024% | 5,827 |
| Net operating income to assets | 0.0332% | 6,272 |
| Return on assets (ROA) | 0.0332% | 6,308 |
| Pretax return on assets | 0.0902% | 6,193 |
| Return on Equity (ROE) | 0.3196% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.3196% | 5,681 |
| Net charge-offs to loans | 0.0062% | 5,040 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,138 |
| Efficiency ratio | 97.6335% | 855 |
| Assets per employee ($millions) | 3.9990% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6463% | 7,150 |
| Loan loss allowance to noncurrent loans | 84.9037% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 5,682 |
| Noncurrent loans to loans | 0.7612% | 5,509 |
| Net loans and leases to total assets | 76.6985% | 924 |
| Net loans and leases to deposits | 97.8779% | 578 |
| Net loans and leases to core deposits | 101.4610% | 1,240 |
| Total domestic deposits to total assets | 78.3614% | 6,326 |
| Equity capital to assets | 10.4305% | 3,254 |
| Core capital (leverage) ratio | 9.6370% | 3,616 |
| Tier 1 risk-based capital ratio | 17.5865% | 2,254 |
| Total risk-based capital ratio | 18.5085% | 2,365 |
| Memoranda: | ||
| Average total assets | $168,505,000 | 3,580 |
| Average earning assets | $152,372,500 | 3,602 |
| Average equity | $17,522,000 | 3,485 |
| Average total loans | $129,963,500 | 3,066 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 5,986 |
| Cost of funding earning assets | 0.9695% | 5,846 |
| Net interest margin | 3.6713% | 4,487 |
| Noninterest income to average assets | 0.6530% | 3,130 |
| Noninterest expense to average assets | 3.6970% | 1,706 |
| Loan and lease loss provision to assets | 0.1790% | 5,429 |
| Net operating income to assets | 0.0989% | 5,593 |
| Return on assets (ROA) | 0.1379% | 5,630 |
| Pretax return on assets | 0.1748% | 5,544 |
| Return on Equity (ROE) | 1.3316% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.3316% | 4,879 |
| Net charge-offs to loans | 0.2201% | 4,973 |
| Credit loss provision to net charge-offs | 108.1560% | 4,090 |
| Earnings coverage of net charge-offs (x) | 1.8404% | 4,347 |
| Efficiency ratio | 92.3900% | 1,157 |
| Assets per employee ($millions) | 4.0250% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6433% | 7,208 |
| Loan loss allowance to noncurrent loans | 29.9500% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 1.8568% | 3,547 |
| Noncurrent loans to loans | 2.1479% | 3,369 |
| Net loans and leases to total assets | 76.5621% | 1,169 |
| Net loans and leases to deposits | 98.8883% | 650 |
| Net loans and leases to core deposits | 103.5921% | 1,339 |
| Total domestic deposits to total assets | 77.4228% | 6,416 |
| Equity capital to assets | 10.3667% | 3,313 |
| Core capital (leverage) ratio | 9.5687% | 3,607 |
| Tier 1 risk-based capital ratio | 17.4708% | 2,185 |
| Total risk-based capital ratio | 18.3811% | 2,265 |
| Memoranda: | ||
| Average total assets | $170,434,200 | 3,526 |
| Average earning assets | $155,448,200 | 3,537 |
| Average equity | $17,647,800 | 3,482 |
| Average total loans | $128,145,800 | 3,157 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 6,089 |
| Cost of funding earning assets | 0.9857% | 6,005 |
| Net interest margin | 3.6959% | 4,420 |
| Noninterest income to average assets | 0.7034% | 2,799 |
| Noninterest expense to average assets | 3.6248% | 1,733 |
| Loan and lease loss provision to assets | 0.1921% | 5,122 |
| Net operating income to assets | 0.1893% | 5,539 |
| Return on assets (ROA) | 0.2366% | 5,566 |
| Pretax return on assets | 0.3302% | 5,425 |
| Return on Equity (ROE) | 2.2852% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.2852% | 4,797 |
| Net charge-offs to loans | 0.1954% | 4,776 |
| Credit loss provision to net charge-offs | 131.5508% | 3,070 |
| Earnings coverage of net charge-offs (x) | 3.1283% | 3,577 |
| Efficiency ratio | 88.8103% | 1,380 |
| Assets per employee ($millions) | 3.9859% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 7,219 |
| Loan loss allowance to noncurrent loans | 39.6912% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 4,494 |
| Noncurrent loans to loans | 1.7256% | 4,056 |
| Net loans and leases to total assets | 73.9419% | 1,819 |
| Net loans and leases to deposits | 95.2292% | 1,082 |
| Net loans and leases to core deposits | 100.2952% | 1,827 |
| Total domestic deposits to total assets | 77.6462% | 6,333 |
| Equity capital to assets | 10.2827% | 3,791 |
| Core capital (leverage) ratio | 9.5614% | 3,815 |
| Tier 1 risk-based capital ratio | 17.9318% | 2,040 |
| Total risk-based capital ratio | 18.9047% | 2,095 |
| Memoranda: | ||
| Average total assets | $170,780,000 | 3,565 |
| Average earning assets | $156,098,500 | 3,569 |
| Average equity | $17,678,500 | 3,525 |
| Average total loans | $127,615,500 | 3,212 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 5,955 |
| Cost of funding earning assets | 1.0057% | 6,106 |
| Net interest margin | 3.7489% | 4,140 |
| Noninterest income to average assets | 0.6484% | 3,023 |
| Noninterest expense to average assets | 3.5808% | 1,828 |
| Loan and lease loss provision to assets | 0.1067% | 5,850 |
| Net operating income to assets | 0.2873% | 5,230 |
| Return on assets (ROA) | 0.2873% | 5,381 |
| Pretax return on assets | 0.3963% | 5,241 |
| Return on Equity (ROE) | 2.7689% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.7689% | 4,372 |
| Net charge-offs to loans | 0.2727% | 3,977 |
| Credit loss provision to net charge-offs | 52.2989% | 5,367 |
| Earnings coverage of net charge-offs (x) | 2.4655% | 3,763 |
| Efficiency ratio | 87.6830% | 1,541 |
| Assets per employee ($millions) | 4.1415% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5765% | 7,441 |
| Loan loss allowance to noncurrent loans | 33.9991% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 4,515 |
| Noncurrent loans to loans | 1.6957% | 4,144 |
| Net loans and leases to total assets | 74.3438% | 1,840 |
| Net loans and leases to deposits | 95.9642% | 1,052 |
| Net loans and leases to core deposits | 102.9859% | 1,734 |
| Total domestic deposits to total assets | 77.4704% | 6,399 |
| Equity capital to assets | 10.5163% | 3,392 |
| Core capital (leverage) ratio | 9.8726% | 3,311 |
| Tier 1 risk-based capital ratio | 18.4987% | 1,834 |
| Total risk-based capital ratio | 19.3270% | 1,908 |
| Memoranda: | ||
| Average total assets | $170,575,330 | 3,592 |
| Average earning assets | $156,312,330 | 3,593 |
| Average equity | $17,696,670 | 3,513 |
| Average total loans | $127,618,670 | 3,245 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 5,943 |
| Cost of funding earning assets | 1.0526% | 6,129 |
| Net interest margin | 3.7326% | 4,091 |
| Noninterest income to average assets | 0.6411% | 2,987 |
| Noninterest expense to average assets | 3.5587% | 1,822 |
| Loan and lease loss provision to assets | 0.1076% | 5,551 |
| Net operating income to assets | 0.2878% | 5,340 |
| Return on assets (ROA) | 0.2878% | 5,475 |
| Pretax return on assets | 0.3931% | 5,317 |
| Return on Equity (ROE) | 2.7928% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.7928% | 4,455 |
| Net charge-offs to loans | 0.3502% | 3,007 |
| Credit loss provision to net charge-offs | 41.0714% | 4,624 |
| Earnings coverage of net charge-offs (x) | 1.9107% | 3,585 |
| Efficiency ratio | 87.6657% | 1,625 |
| Assets per employee ($millions) | 4.3131% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5876% | 7,512 |
| Loan loss allowance to noncurrent loans | 57.4387% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7752% | 5,597 |
| Noncurrent loans to loans | 1.0231% | 5,288 |
| Net loans and leases to total assets | 75.3277% | 1,676 |
| Net loans and leases to deposits | 97.3187% | 973 |
| Net loans and leases to core deposits | 106.6467% | 1,525 |
| Total domestic deposits to total assets | 77.4031% | 6,470 |
| Equity capital to assets | 10.5173% | 3,233 |
| Core capital (leverage) ratio | 9.8209% | 3,377 |
| Tier 1 risk-based capital ratio | 18.1614% | 1,905 |
| Total risk-based capital ratio | 18.9854% | 1,984 |
| Memoranda: | ||
| Average total assets | $170,961,500 | 3,642 |
| Average earning assets | $156,568,500 | 3,635 |
| Average equity | $17,616,500 | 3,548 |
| Average total loans | $127,943,000 | 3,303 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8892% | 6,732 |
| Cost of funding earning assets | 1.4238% | 5,829 |
| Net interest margin | 3.4655% | 5,107 |
| Noninterest income to average assets | 0.6154% | 3,516 |
| Noninterest expense to average assets | 3.5190% | 2,334 |
| Loan and lease loss provision to assets | 0.2483% | 5,405 |
| Net operating income to assets | 0.0213% | 5,425 |
| Return on assets (ROA) | 0.0536% | 5,383 |
| Pretax return on assets | 0.0723% | 5,272 |
| Return on Equity (ROE) | 0.5290% | 5,381 |
| Retained earnings to average equity (ytd only) | 0.5290% | 4,613 |
| Net charge-offs to loans | 0.1396% | 5,823 |
| Credit loss provision to net charge-offs | 240.6780% | 1,490 |
| Earnings coverage of net charge-offs (x) | 2.6836% | 3,761 |
| Efficiency ratio | 92.7069% | 1,512 |
| Assets per employee ($millions) | 4.3429% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6346% | 7,504 |
| Loan loss allowance to noncurrent loans | 62.9830% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 5,613 |
| Noncurrent loans to loans | 1.0076% | 5,302 |
| Net loans and leases to total assets | 73.4621% | 2,391 |
| Net loans and leases to deposits | 95.8516% | 1,350 |
| Net loans and leases to core deposits | 112.3917% | 2,656 |
| Total domestic deposits to total assets | 76.6415% | 6,563 |
| Equity capital to assets | 10.0982% | 3,619 |
| Core capital (leverage) ratio | 9.6916% | 3,473 |
| Tier 1 risk-based capital ratio | 18.1490% | 1,852 |
| Total risk-based capital ratio | 19.0410% | 1,900 |
| Memoranda: | ||
| Average total assets | $171,585,000 | 3,582 |
| Average earning assets | $157,468,200 | 3,567 |
| Average equity | $17,391,800 | 3,595 |
| Average total loans | $126,769,600 | 3,338 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 6,916 |
| Cost of funding earning assets | 1.4858% | 5,879 |
| Net interest margin | 3.3996% | 5,268 |
| Noninterest income to average assets | 0.6555% | 3,320 |
| Noninterest expense to average assets | 3.4881% | 2,311 |
| Loan and lease loss provision to assets | 0.3048% | 4,537 |
| Net operating income to assets | -0.0109% | 5,727 |
| Return on assets (ROA) | 0.0265% | 5,701 |
| Pretax return on assets | 0.0421% | 5,623 |
| Return on Equity (ROE) | 0.2612% | 5,698 |
| Retained earnings to average equity (ytd only) | 0.2612% | 5,091 |
| Net charge-offs to loans | 0.1931% | 4,853 |
| Credit loss provision to net charge-offs | 213.6612% | 2,056 |
| Earnings coverage of net charge-offs (x) | 2.0219% | 4,304 |
| Efficiency ratio | 92.3633% | 1,519 |
| Assets per employee ($millions) | 4.2824% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6003% | 7,581 |
| Loan loss allowance to noncurrent loans | 35.9833% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 4,189 |
| Noncurrent loans to loans | 1.6682% | 4,145 |
| Net loans and leases to total assets | 74.8243% | 2,285 |
| Net loans and leases to deposits | 99.5797% | 1,144 |
| Net loans and leases to core deposits | 118.4268% | 2,381 |
| Total domestic deposits to total assets | 75.1401% | 6,743 |
| Equity capital to assets | 10.2542% | 3,784 |
| Core capital (leverage) ratio | 9.5271% | 3,877 |
| Tier 1 risk-based capital ratio | 17.8740% | 2,022 |
| Total risk-based capital ratio | 18.7162% | 2,087 |
| Memoranda: | ||
| Average total assets | $171,052,750 | 3,612 |
| Average earning assets | $157,036,000 | 3,600 |
| Average equity | $17,354,250 | 3,638 |
| Average total loans | $126,354,750 | 3,378 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 7,078 |
| Cost of funding earning assets | 1.5264% | 6,035 |
| Net interest margin | 3.3537% | 5,346 |
| Noninterest income to average assets | 0.6200% | 3,540 |
| Noninterest expense to average assets | 3.5526% | 2,186 |
| Loan and lease loss provision to assets | 0.1696% | 5,369 |
| Net operating income to assets | 0.0129% | 5,797 |
| Return on assets (ROA) | 0.0129% | 5,875 |
| Pretax return on assets | -0.0257% | 5,897 |
| Return on Equity (ROE) | 0.1273% | 5,878 |
| Retained earnings to average equity (ytd only) | 0.1273% | 5,153 |
| Net charge-offs to loans | 0.2948% | 3,711 |
| Credit loss provision to net charge-offs | 78.3784% | 5,239 |
| Earnings coverage of net charge-offs (x) | 0.6649% | 5,037 |
| Efficiency ratio | 96.1076% | 1,368 |
| Assets per employee ($millions) | 4.4489% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4104% | 7,892 |
| Loan loss allowance to noncurrent loans | 14.5505% | 7,373 |
| Noncurrent assets plus other real estate owned to assets | 2.4197% | 2,677 |
| Noncurrent loans to loans | 2.8205% | 2,552 |
| Net loans and leases to total assets | 71.7269% | 3,295 |
| Net loans and leases to deposits | 95.8259% | 1,823 |
| Net loans and leases to core deposits | 113.0454% | 3,015 |
| Total domestic deposits to total assets | 74.8512% | 6,790 |
| Equity capital to assets | 9.6939% | 4,359 |
| Core capital (leverage) ratio | 9.3214% | 4,139 |
| Tier 1 risk-based capital ratio | 17.5850% | 2,118 |
| Total risk-based capital ratio | 18.1591% | 2,280 |
| Memoranda: | ||
| Average total assets | $170,971,670 | 3,619 |
| Average earning assets | $156,840,670 | 3,620 |
| Average equity | $17,284,000 | 3,666 |
| Average total loans | $125,491,330 | 3,431 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 6,969 |
| Cost of funding earning assets | 1.5761% | 6,136 |
| Net interest margin | 3.4075% | 5,110 |
| Noninterest income to average assets | 0.7547% | 2,571 |
| Noninterest expense to average assets | 3.5467% | 1,982 |
| Loan and lease loss provision to assets | 0.2866% | 3,667 |
| Net operating income to assets | 0.0597% | 6,097 |
| Return on assets (ROA) | 0.0597% | 6,254 |
| Pretax return on assets | 0.0454% | 6,286 |
| Return on Equity (ROE) | 0.5780% | 6,257 |
| Retained earnings to average equity (ytd only) | 0.5780% | 5,428 |
| Net charge-offs to loans | 0.0999% | 4,176 |
| Credit loss provision to net charge-offs | 387.0968% | 1,332 |
| Earnings coverage of net charge-offs (x) | 4.4839% | 2,873 |
| Efficiency ratio | 91.4409% | 1,618 |
| Assets per employee ($millions) | 4.2430% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5191% | 7,796 |
| Loan loss allowance to noncurrent loans | 24.2144% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 1.8006% | 3,214 |
| Noncurrent loans to loans | 2.1439% | 3,061 |
| Net loans and leases to total assets | 73.9547% | 2,772 |
| Net loans and leases to deposits | 101.6917% | 1,211 |
| Net loans and leases to core deposits | 116.4212% | 2,757 |
| Total domestic deposits to total assets | 72.7245% | 7,099 |
| Equity capital to assets | 10.1956% | 3,771 |
| Core capital (leverage) ratio | 9.6489% | 3,823 |
| Tier 1 risk-based capital ratio | 17.9417% | 2,070 |
| Total risk-based capital ratio | 18.6745% | 2,151 |
| Memoranda: | ||
| Average total assets | $167,479,000 | 3,700 |
| Average earning assets | $153,544,000 | 3,691 |
| Average equity | $17,300,500 | 3,676 |
| Average total loans | $124,152,500 | 3,482 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4604% | 7,380 |
| Cost of funding earning assets | 2.0678% | 6,173 |
| Net interest margin | 3.3925% | 5,687 |
| Noninterest income to average assets | 0.9071% | 1,930 |
| Noninterest expense to average assets | 3.3679% | 2,770 |
| Loan and lease loss provision to assets | 0.0849% | 6,325 |
| Net operating income to assets | 0.4406% | 4,990 |
| Return on assets (ROA) | 0.4416% | 4,809 |
| Pretax return on assets | 0.5301% | 4,908 |
| Return on Equity (ROE) | 4.2710% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.2710% | 2,465 |
| Net charge-offs to loans | 0.0815% | 5,597 |
| Credit loss provision to net charge-offs | 140.5941% | 3,777 |
| Earnings coverage of net charge-offs (x) | 10.1683% | 2,564 |
| Efficiency ratio | 84.5865% | 2,003 |
| Assets per employee ($millions) | 4.1310% | 3,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4634% | 7,899 |
| Loan loss allowance to noncurrent loans | 26.8501% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 1.2757% | 3,670 |
| Noncurrent loans to loans | 1.7260% | 3,176 |
| Net loans and leases to total assets | 73.5715% | 3,214 |
| Net loans and leases to deposits | 104.8343% | 1,257 |
| Net loans and leases to core deposits | 116.6388% | 3,051 |
| Total domestic deposits to total assets | 70.1788% | 7,254 |
| Equity capital to assets | 10.4679% | 3,539 |
| Core capital (leverage) ratio | 9.8195% | 3,622 |
| Tier 1 risk-based capital ratio | 18.2214% | 1,985 |
| Total risk-based capital ratio | 18.8604% | 2,084 |
| Memoranda: | ||
| Average total assets | $167,342,400 | 3,589 |
| Average earning assets | $151,656,600 | 3,623 |
| Average equity | $17,302,800 | 3,685 |
| Average total loans | $123,858,200 | 3,386 |