Home > Pinnacle Bank > Performance and Condition Ratios
Pinnacle 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 | 6.1966% | 494 |
| Cost of funding earning assets | 1.2668% | 2,610 |
| Net interest margin | 4.9298% | 348 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 3.0612% | 1,024 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.4768% | 1,063 |
| Return on assets (ROA) | 1.4768% | 1,039 |
| Pretax return on assets | 2.0759% | 603 |
| Return on Equity (ROE) | 14.6700% | 1,350 |
| Retained earnings to average equity (ytd only) | 14.6656% | 350 |
| Net charge-offs to loans | -0.0066% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.1133% | 3,179 |
| Assets per employee ($millions) | 8.6960% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,004 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 67.6700% | 2,078 |
| Net loans and leases to deposits | 77.3960% | 2,323 |
| Net loans and leases to core deposits | 87.1658% | 2,235 |
| Total domestic deposits to total assets | 87.4400% | 1,541 |
| Equity capital to assets | 10.7565% | 1,603 |
| Core capital (leverage) ratio | 10.7165% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6357% | 1,646 |
| Memoranda: | ||
| Average total assets | $797,048,400 | 1,192 |
| Average earning assets | $753,322,400 | 1,166 |
| Average equity | $80,262,400 | 1,125 |
| Average total loans | $530,321,600 | 1,178 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0922% | 475 |
| Cost of funding earning assets | 1.1624% | 2,555 |
| Net interest margin | 4.9299% | 340 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 3.0977% | 931 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4342% | 1,245 |
| Return on assets (ROA) | 1.4342% | 1,228 |
| Pretax return on assets | 2.0125% | 742 |
| Return on Equity (ROE) | 14.5000% | 1,549 |
| Retained earnings to average equity (ytd only) | 14.4976% | 616 |
| Net charge-offs to loans | -0.0069% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.2489% | 2,936 |
| Assets per employee ($millions) | 9.2696% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 2,917 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 62.4800% | 2,603 |
| Net loans and leases to deposits | 70.5939% | 2,802 |
| Net loans and leases to core deposits | 78.5598% | 2,712 |
| Total domestic deposits to total assets | 88.5100% | 1,407 |
| Equity capital to assets | 9.8163% | 1,931 |
| Core capital (leverage) ratio | 10.3489% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3351% | 1,777 |
| Memoranda: | ||
| Average total assets | $791,955,500 | 1,193 |
| Average earning assets | $748,561,000 | 1,171 |
| Average equity | $78,346,500 | 1,145 |
| Average total loans | $523,123,250 | 1,185 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9744% | 454 |
| Cost of funding earning assets | 1.0305% | 2,500 |
| Net interest margin | 4.9438% | 333 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 3.1759% | 814 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.4438% | 1,230 |
| Return on assets (ROA) | 1.4438% | 1,216 |
| Pretax return on assets | 2.0148% | 727 |
| Return on Equity (ROE) | 14.5500% | 1,564 |
| Retained earnings to average equity (ytd only) | 14.5536% | 615 |
| Net charge-offs to loans | -0.0069% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.6238% | 2,881 |
| Assets per employee ($millions) | 8.4215% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,023 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.0000% | 2,154 |
| Net loans and leases to deposits | 74.8318% | 2,414 |
| Net loans and leases to core deposits | 80.2724% | 2,450 |
| Total domestic deposits to total assets | 88.2000% | 1,531 |
| Equity capital to assets | 9.9770% | 1,872 |
| Core capital (leverage) ratio | 10.6318% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0481% | 1,881 |
| Memoranda: | ||
| Average total assets | $774,763,333 | 1,207 |
| Average earning assets | $731,091,667 | 1,186 |
| Average equity | $76,860,667 | 1,150 |
| Average total loans | $519,880,333 | 1,176 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8987% | 358 |
| Cost of funding earning assets | 0.8923% | 2,394 |
| Net interest margin | 5.0064% | 301 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 3.2945% | 707 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.4292% | 1,329 |
| Return on assets (ROA) | 1.4292% | 1,302 |
| Pretax return on assets | 1.9661% | 827 |
| Return on Equity (ROE) | 14.4500% | 1,676 |
| Retained earnings to average equity (ytd only) | 14.4493% | 874 |
| Net charge-offs to loans | -0.0070% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.7876% | 2,723 |
| Assets per employee ($millions) | 8.0737% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,068 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 67.3000% | 1,922 |
| Net loans and leases to deposits | 76.3257% | 2,088 |
| Net loans and leases to core deposits | 81.8828% | 2,124 |
| Total domestic deposits to total assets | 88.1700% | 1,865 |
| Equity capital to assets | 10.0489% | 1,797 |
| Core capital (leverage) ratio | 10.2313% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9071% | 2,000 |
| Memoranda: | ||
| Average total assets | $762,124,000 | 1,236 |
| Average earning assets | $719,006,000 | 1,213 |
| Average equity | $75,381,000 | 1,176 |
| Average total loans | $512,914,500 | 1,205 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 768 |
| Cost of funding earning assets | 0.2824% | 3,018 |
| Net interest margin | 4.1859% | 556 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.8618% | 1,190 |
| Loan and lease loss provision to assets | -0.1500% | 4,601 |
| Net operating income to assets | 1.0988% | 2,177 |
| Return on assets (ROA) | 1.0988% | 2,115 |
| Pretax return on assets | 1.5515% | 1,288 |
| Return on Equity (ROE) | 12.2600% | 2,053 |
| Retained earnings to average equity (ytd only) | 12.2557% | 621 |
| Net charge-offs to loans | -0.0091% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.1189% | 2,072 |
| Assets per employee ($millions) | 8.2310% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,315 |
| Loan loss allowance to noncurrent loans | 9,594.3396% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 2,458 |
| Noncurrent loans to loans | 0.0105% | 3,765 |
| Net loans and leases to total assets | 65.8700% | 2,057 |
| Net loans and leases to deposits | 74.5197% | 2,216 |
| Net loans and leases to core deposits | 78.0073% | 2,274 |
| Total domestic deposits to total assets | 88.4000% | 1,932 |
| Equity capital to assets | 9.7309% | 1,867 |
| Core capital (leverage) ratio | 9.8883% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3672% | 2,214 |
| Memoranda: | ||
| Average total assets | $769,262,400 | 1,220 |
| Average earning assets | $714,278,600 | 1,212 |
| Average equity | $68,972,000 | 1,270 |
| Average total loans | $461,839,200 | 1,252 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 1,018 |
| Cost of funding earning assets | 0.1876% | 3,421 |
| Net interest margin | 3.9372% | 729 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.7529% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9233% | 2,782 |
| Return on assets (ROA) | 0.9233% | 2,750 |
| Pretax return on assets | 1.3002% | 2,045 |
| Return on Equity (ROE) | 10.5200% | 2,563 |
| Retained earnings to average equity (ytd only) | 10.5180% | 1,191 |
| Net charge-offs to loans | -0.0097% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9204% | 2,041 |
| Assets per employee ($millions) | 8.5046% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 2,034 |
| Loan loss allowance to noncurrent loans | 564.0399% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 2,620 |
| Noncurrent loans to loans | 0.2302% | 2,469 |
| Net loans and leases to total assets | 60.5000% | 2,447 |
| Net loans and leases to deposits | 67.6332% | 2,567 |
| Net loans and leases to core deposits | 69.5820% | 2,668 |
| Total domestic deposits to total assets | 89.4600% | 1,887 |
| Equity capital to assets | 8.9079% | 2,276 |
| Core capital (leverage) ratio | 9.0696% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2772% | 2,363 |
| Memoranda: | ||
| Average total assets | $772,265,750 | 1,219 |
| Average earning assets | $714,192,000 | 1,219 |
| Average equity | $67,793,250 | 1,297 |
| Average total loans | $451,321,500 | 1,260 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7614% | 1,394 |
| Cost of funding earning assets | 0.1258% | 3,900 |
| Net interest margin | 3.6357% | 1,012 |
| Noninterest income to average assets | 0.4107% | 2,688 |
| Noninterest expense to average assets | 2.7245% | 1,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7419% | 3,168 |
| Return on assets (ROA) | 0.7419% | 3,125 |
| Pretax return on assets | 1.0392% | 2,610 |
| Return on Equity (ROE) | 8.4934% | 2,867 |
| Retained earnings to average equity (ytd only) | 8.4934% | 1,442 |
| Net charge-offs to loans | -0.0100% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3892% | 1,699 |
| Assets per employee ($millions) | 8.7647% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,983 |
| Loan loss allowance to noncurrent loans | 9,007.2464% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,943 |
| Noncurrent loans to loans | 0.0149% | 3,856 |
| Net loans and leases to total assets | 57.8244% | 2,552 |
| Net loans and leases to deposits | 64.3544% | 2,684 |
| Net loans and leases to core deposits | 65.7904% | 2,840 |
| Total domestic deposits to total assets | 89.8530% | 1,772 |
| Equity capital to assets | 8.6330% | 2,666 |
| Core capital (leverage) ratio | 8.8989% | 3,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1799% | 2,423 |
| Memoranda: | ||
| Average total assets | $768,878,667 | 1,224 |
| Average earning assets | $709,088,333 | 1,235 |
| Average equity | $67,158,333 | 1,323 |
| Average total loans | $441,890,333 | 1,278 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 1,779 |
| Cost of funding earning assets | 0.1261% | 3,822 |
| Net interest margin | 3.3844% | 1,334 |
| Noninterest income to average assets | 0.5524% | 1,889 |
| Noninterest expense to average assets | 2.7418% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6567% | 3,207 |
| Return on assets (ROA) | 0.6567% | 3,185 |
| Pretax return on assets | 0.9076% | 2,749 |
| Return on Equity (ROE) | 7.4736% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.4736% | 1,741 |
| Net charge-offs to loans | -0.0148% | 3,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1300% | 1,621 |
| Assets per employee ($millions) | 9.2779% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,819 |
| Loan loss allowance to noncurrent loans | 8,169.7368% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,973 |
| Noncurrent loans to loans | 0.0174% | 3,874 |
| Net loans and leases to total assets | 55.1069% | 2,623 |
| Net loans and leases to deposits | 61.2656% | 2,782 |
| Net loans and leases to core deposits | 62.7405% | 2,914 |
| Total domestic deposits to total assets | 89.9475% | 1,592 |
| Equity capital to assets | 8.5930% | 3,086 |
| Core capital (leverage) ratio | 8.9881% | 3,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9612% | 2,225 |
| Memoranda: | ||
| Average total assets | $758,905,500 | 1,243 |
| Average earning assets | $694,474,500 | 1,265 |
| Average equity | $66,688,000 | 1,376 |
| Average total loans | $431,661,500 | 1,290 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 1,875 |
| Cost of funding earning assets | 0.1646% | 3,824 |
| Net interest margin | 3.6320% | 1,384 |
| Noninterest income to average assets | 1.0245% | 953 |
| Noninterest expense to average assets | 2.7821% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1206% | 2,208 |
| Return on assets (ROA) | 1.1206% | 2,269 |
| Pretax return on assets | 1.5796% | 1,483 |
| Return on Equity (ROE) | 12.4868% | 1,655 |
| Retained earnings to average equity (ytd only) | 12.4868% | 472 |
| Net charge-offs to loans | -0.0199% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7846% | 2,595 |
| Assets per employee ($millions) | 9.3477% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 1,736 |
| Loan loss allowance to noncurrent loans | 506.4595% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 2,776 |
| Noncurrent loans to loans | 0.2860% | 2,572 |
| Net loans and leases to total assets | 57.0706% | 2,472 |
| Net loans and leases to deposits | 63.8875% | 2,697 |
| Net loans and leases to core deposits | 65.5194% | 2,860 |
| Total domestic deposits to total assets | 89.3298% | 1,337 |
| Equity capital to assets | 8.9925% | 3,626 |
| Core capital (leverage) ratio | 9.0875% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6523% | 1,995 |
| Memoranda: | ||
| Average total assets | $691,570,000 | 1,297 |
| Average earning assets | $635,436,000 | 1,316 |
| Average equity | $62,065,600 | 1,476 |
| Average total loans | $462,165,400 | 1,235 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 1,744 |
| Cost of funding earning assets | 0.1729% | 3,894 |
| Net interest margin | 3.7326% | 1,269 |
| Noninterest income to average assets | 1.0120% | 1,052 |
| Noninterest expense to average assets | 2.8400% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1255% | 2,456 |
| Return on assets (ROA) | 1.1255% | 2,523 |
| Pretax return on assets | 1.6048% | 1,684 |
| Return on Equity (ROE) | 12.5480% | 1,850 |
| Retained earnings to average equity (ytd only) | 12.5480% | 713 |
| Net charge-offs to loans | -0.0218% | 4,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8943% | 2,401 |
| Assets per employee ($millions) | 9.1479% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4102% | 1,982 |
| Loan loss allowance to noncurrent loans | 7,443.3735% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,150 |
| Noncurrent loans to loans | 0.0189% | 4,057 |
| Net loans and leases to total assets | 59.7636% | 2,294 |
| Net loans and leases to deposits | 66.7485% | 2,563 |
| Net loans and leases to core deposits | 68.7884% | 2,709 |
| Total domestic deposits to total assets | 89.5354% | 994 |
| Equity capital to assets | 8.8950% | 3,929 |
| Core capital (leverage) ratio | 9.0357% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7505% | 2,066 |
| Memoranda: | ||
| Average total assets | $679,844,750 | 1,324 |
| Average earning assets | $625,254,500 | 1,343 |
| Average equity | $60,980,250 | 1,518 |
| Average total loans | $470,795,750 | 1,240 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 1,691 |
| Cost of funding earning assets | 0.1856% | 3,894 |
| Net interest margin | 3.7607% | 1,204 |
| Noninterest income to average assets | 0.9604% | 1,135 |
| Noninterest expense to average assets | 2.9004% | 1,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0719% | 2,640 |
| Return on assets (ROA) | 1.0719% | 2,719 |
| Pretax return on assets | 1.5301% | 1,924 |
| Return on Equity (ROE) | 11.9140% | 2,100 |
| Retained earnings to average equity (ytd only) | 11.9140% | 937 |
| Net charge-offs to loans | -0.0257% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4639% | 2,231 |
| Assets per employee ($millions) | 8.8082% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 2,254 |
| Loan loss allowance to noncurrent loans | 8,443.8356% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,230 |
| Noncurrent loans to loans | 0.0158% | 4,148 |
| Net loans and leases to total assets | 65.3219% | 1,788 |
| Net loans and leases to deposits | 72.9719% | 2,114 |
| Net loans and leases to core deposits | 75.4723% | 2,289 |
| Total domestic deposits to total assets | 89.5165% | 1,020 |
| Equity capital to assets | 8.9064% | 3,880 |
| Core capital (leverage) ratio | 9.0303% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9427% | 1,991 |
| Memoranda: | ||
| Average total assets | $665,564,333 | 1,341 |
| Average earning assets | $614,147,667 | 1,357 |
| Average equity | $59,879,333 | 1,528 |
| Average total loans | $481,700,667 | 1,220 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8810% | 1,877 |
| Cost of funding earning assets | 0.2129% | 3,798 |
| Net interest margin | 3.6681% | 1,406 |
| Noninterest income to average assets | 0.4477% | 2,837 |
| Noninterest expense to average assets | 2.8271% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7189% | 3,666 |
| Return on assets (ROA) | 0.7189% | 3,732 |
| Pretax return on assets | 1.0326% | 3,285 |
| Return on Equity (ROE) | 7.9481% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.9481% | 2,259 |
| Net charge-offs to loans | -0.0138% | 3,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2473% | 1,378 |
| Assets per employee ($millions) | 8.9882% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,873 |
| Loan loss allowance to noncurrent loans | 15,687.1795% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,357 |
| Noncurrent loans to loans | 0.0077% | 4,285 |
| Net loans and leases to total assets | 73.0488% | 895 |
| Net loans and leases to deposits | 81.8875% | 1,345 |
| Net loans and leases to core deposits | 85.3398% | 1,565 |
| Total domestic deposits to total assets | 89.2063% | 1,235 |
| Equity capital to assets | 8.7012% | 3,960 |
| Core capital (leverage) ratio | 9.2025% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8313% | 1,953 |
| Memoranda: | ||
| Average total assets | $650,424,000 | 1,355 |
| Average earning assets | $604,995,500 | 1,359 |
| Average equity | $58,831,500 | 1,541 |
| Average total loans | $492,199,500 | 1,199 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 1,487 |
| Cost of funding earning assets | 0.3781% | 3,724 |
| Net interest margin | 4.0551% | 865 |
| Noninterest income to average assets | 0.6846% | 1,914 |
| Noninterest expense to average assets | 2.9761% | 1,493 |
| Loan and lease loss provision to assets | 0.3803% | 848 |
| Net operating income to assets | 0.7241% | 3,353 |
| Return on assets (ROA) | 0.7241% | 3,484 |
| Pretax return on assets | 1.0553% | 2,855 |
| Return on Equity (ROE) | 7.0925% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.0925% | 1,365 |
| Net charge-offs to loans | -0.0226% | 4,463 |
| Credit loss provision to net charge-offs | -2,156.2500% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4592% | 2,305 |
| Assets per employee ($millions) | 8.7007% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,551 |
| Loan loss allowance to noncurrent loans | 13,557.7778% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 4,411 |
| Noncurrent loans to loans | 0.0094% | 4,343 |
| Net loans and leases to total assets | 76.5982% | 724 |
| Net loans and leases to deposits | 86.9545% | 1,179 |
| Net loans and leases to core deposits | 91.5384% | 1,419 |
| Total domestic deposits to total assets | 88.0899% | 1,432 |
| Equity capital to assets | 9.4254% | 3,680 |
| Core capital (leverage) ratio | 9.1329% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9466% | 1,869 |
| Memoranda: | ||
| Average total assets | $544,370,400 | 1,443 |
| Average earning assets | $500,336,800 | 1,454 |
| Average equity | $55,579,800 | 1,542 |
| Average total loans | $424,156,400 | 1,286 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 1,567 |
| Cost of funding earning assets | 0.4136% | 3,739 |
| Net interest margin | 4.0881% | 916 |
| Noninterest income to average assets | 0.6762% | 1,870 |
| Noninterest expense to average assets | 3.0226% | 1,396 |
| Loan and lease loss provision to assets | 0.4739% | 649 |
| Net operating income to assets | 0.6413% | 3,660 |
| Return on assets (ROA) | 0.6413% | 3,750 |
| Pretax return on assets | 0.9272% | 3,304 |
| Return on Equity (ROE) | 6.1423% | 3,508 |
| Retained earnings to average equity (ytd only) | 6.1423% | 2,047 |
| Net charge-offs to loans | -0.0260% | 4,487 |
| Credit loss provision to net charge-offs | -2,337.5000% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3264% | 2,135 |
| Assets per employee ($millions) | 8.8136% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 2,715 |
| Loan loss allowance to noncurrent loans | 11,770.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 4,472 |
| Noncurrent loans to loans | 0.0101% | 4,406 |
| Net loans and leases to total assets | 78.0168% | 830 |
| Net loans and leases to deposits | 88.9550% | 1,378 |
| Net loans and leases to core deposits | 92.7463% | 1,733 |
| Total domestic deposits to total assets | 87.7037% | 1,341 |
| Equity capital to assets | 9.0579% | 4,070 |
| Core capital (leverage) ratio | 8.9947% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7553% | 1,908 |
| Memoranda: | ||
| Average total assets | $526,026,250 | 1,465 |
| Average earning assets | $482,201,250 | 1,473 |
| Average equity | $54,918,500 | 1,554 |
| Average total loans | $410,374,500 | 1,315 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 1,245 |
| Cost of funding earning assets | 0.4499% | 3,793 |
| Net interest margin | 4.3182% | 722 |
| Noninterest income to average assets | 0.5268% | 2,454 |
| Noninterest expense to average assets | 3.1868% | 1,188 |
| Loan and lease loss provision to assets | 0.5763% | 565 |
| Net operating income to assets | 0.4797% | 4,065 |
| Return on assets (ROA) | 0.4797% | 4,132 |
| Pretax return on assets | 0.6985% | 3,874 |
| Return on Equity (ROE) | 4.3511% | 4,008 |
| Retained earnings to average equity (ytd only) | 4.3511% | 2,758 |
| Net charge-offs to loans | -0.0335% | 4,576 |
| Credit loss provision to net charge-offs | -2,218.7500% | 3,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4273% | 1,772 |
| Assets per employee ($millions) | 8.6797% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 2,831 |
| Loan loss allowance to noncurrent loans | 9,676.7857% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 4,538 |
| Noncurrent loans to loans | 0.0118% | 4,467 |
| Net loans and leases to total assets | 75.2623% | 1,237 |
| Net loans and leases to deposits | 85.4833% | 1,828 |
| Net loans and leases to core deposits | 92.6530% | 1,845 |
| Total domestic deposits to total assets | 88.0433% | 1,154 |
| Equity capital to assets | 8.8375% | 4,223 |
| Core capital (leverage) ratio | 9.9070% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7984% | 1,894 |
| Memoranda: | ||
| Average total assets | $492,780,333 | 1,520 |
| Average earning assets | $449,030,333 | 1,544 |
| Average equity | $54,331,000 | 1,547 |
| Average total loans | $382,470,667 | 1,387 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6657% | 265 |
| Cost of funding earning assets | 0.5049% | 3,921 |
| Net interest margin | 5.1609% | 153 |
| Noninterest income to average assets | 0.4453% | 2,813 |
| Noninterest expense to average assets | 4.0047% | 507 |
| Loan and lease loss provision to assets | 0.9374% | 237 |
| Net operating income to assets | 0.0984% | 4,661 |
| Return on assets (ROA) | 0.0984% | 4,653 |
| Pretax return on assets | 0.1603% | 4,608 |
| Return on Equity (ROE) | 0.7795% | 4,652 |
| Retained earnings to average equity (ytd only) | 0.7795% | 3,795 |
| Net charge-offs to loans | -0.0631% | 4,702 |
| Credit loss provision to net charge-offs | -1,886.7925% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4861% | 1,282 |
| Assets per employee ($millions) | 6.1923% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4611% | 1,485 |
| Loan loss allowance to noncurrent loans | 8,454.2373% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,578 |
| Noncurrent loans to loans | 0.0173% | 4,503 |
| Net loans and leases to total assets | 77.6082% | 1,038 |
| Net loans and leases to deposits | 90.8073% | 1,420 |
| Net loans and leases to core deposits | 99.5154% | 1,507 |
| Total domestic deposits to total assets | 85.4647% | 2,221 |
| Equity capital to assets | 12.4685% | 1,752 |
| Core capital (leverage) ratio | 12.9768% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0450% | 1,891 |
| Memoranda: | ||
| Average total assets | $426,702,500 | 1,683 |
| Average earning assets | $385,051,500 | 1,724 |
| Average equity | $53,882,000 | 1,548 |
| Average total loans | $335,826,000 | 1,499 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0230% | 218 |
| Cost of funding earning assets | 0.4787% | 4,172 |
| Net interest margin | 5.5443% | 110 |
| Noninterest income to average assets | 0.8051% | 1,438 |
| Noninterest expense to average assets | 3.6906% | 771 |
| Loan and lease loss provision to assets | 0.0713% | 2,576 |
| Net operating income to assets | 1.4159% | 1,292 |
| Return on assets (ROA) | 1.4159% | 1,365 |
| Pretax return on assets | 2.0686% | 514 |
| Return on Equity (ROE) | 11.2942% | 1,777 |
| Retained earnings to average equity (ytd only) | 11.2942% | 300 |
| Net charge-offs to loans | 0.0200% | 3,020 |
| Credit loss provision to net charge-offs | 444.4444% | 649 |
| Earnings coverage of net charge-offs (x) | 133.4762% | 545 |
| Efficiency ratio | 63.2987% | 3,176 |
| Assets per employee ($millions) | 5.8325% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,480 |
| Loan loss allowance to noncurrent loans | 6,246.0317% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,586 |
| Noncurrent loans to loans | 0.0191% | 4,497 |
| Net loans and leases to total assets | 77.7075% | 1,124 |
| Net loans and leases to deposits | 91.5312% | 1,424 |
| Net loans and leases to core deposits | 97.8310% | 1,744 |
| Total domestic deposits to total assets | 84.8972% | 2,536 |
| Equity capital to assets | 12.7917% | 1,647 |
| Core capital (leverage) ratio | 12.9127% | 1,276 |
| Tier 1 risk-based capital ratio | 14.1399% | 3,194 |
| Total risk-based capital ratio | 15.1869% | 3,207 |
| Memoranda: | ||
| Average total assets | $392,972,000 | 1,759 |
| Average earning assets | $356,183,400 | 1,794 |
| Average equity | $49,264,400 | 1,623 |
| Average total loans | $314,684,600 | 1,544 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9972% | 238 |
| Cost of funding earning assets | 0.4665% | 4,278 |
| Net interest margin | 5.5306% | 117 |
| Noninterest income to average assets | 0.8813% | 1,185 |
| Noninterest expense to average assets | 3.7145% | 738 |
| Loan and lease loss provision to assets | 0.0967% | 1,979 |
| Net operating income to assets | 1.4357% | 1,372 |
| Return on assets (ROA) | 1.4357% | 1,424 |
| Pretax return on assets | 2.0833% | 570 |
| Return on Equity (ROE) | 11.5163% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.5163% | 449 |
| Net charge-offs to loans | 0.0420% | 2,251 |
| Credit loss provision to net charge-offs | 285.7143% | 980 |
| Earnings coverage of net charge-offs (x) | 64.4405% | 1,016 |
| Efficiency ratio | 63.0161% | 3,158 |
| Assets per employee ($millions) | 6.2424% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 2,476 |
| Loan loss allowance to noncurrent loans | 440.1806% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 3,689 |
| Noncurrent loans to loans | 0.2741% | 3,560 |
| Net loans and leases to total assets | 79.9396% | 852 |
| Net loans and leases to deposits | 93.5178% | 1,268 |
| Net loans and leases to core deposits | 101.6102% | 1,537 |
| Total domestic deposits to total assets | 85.4806% | 2,220 |
| Equity capital to assets | 13.0727% | 1,587 |
| Core capital (leverage) ratio | 12.9419% | 1,365 |
| Tier 1 risk-based capital ratio | 14.3613% | 3,152 |
| Total risk-based capital ratio | 15.4451% | 3,135 |
| Memoranda: | ||
| Average total assets | $386,229,250 | 1,792 |
| Average earning assets | $350,090,000 | 1,831 |
| Average equity | $48,151,000 | 1,652 |
| Average total loans | $310,790,250 | 1,571 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8660% | 301 |
| Cost of funding earning assets | 0.4239% | 4,419 |
| Net interest margin | 5.4421% | 142 |
| Noninterest income to average assets | 0.9293% | 1,009 |
| Noninterest expense to average assets | 3.6988% | 754 |
| Loan and lease loss provision to assets | 0.0524% | 2,770 |
| Net operating income to assets | 1.4772% | 1,207 |
| Return on assets (ROA) | 1.4772% | 1,260 |
| Pretax return on assets | 2.1142% | 534 |
| Return on Equity (ROE) | 12.0533% | 1,558 |
| Retained earnings to average equity (ytd only) | 12.0533% | 400 |
| Net charge-offs to loans | -0.0828% | 4,965 |
| Credit loss provision to net charge-offs | -78.7402% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0615% | 3,277 |
| Assets per employee ($millions) | 6.1724% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 2,401 |
| Loan loss allowance to noncurrent loans | 471.8900% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 3,744 |
| Noncurrent loans to loans | 0.2591% | 3,604 |
| Net loans and leases to total assets | 79.4331% | 980 |
| Net loans and leases to deposits | 92.2808% | 1,459 |
| Net loans and leases to core deposits | 106.8086% | 1,192 |
| Total domestic deposits to total assets | 86.0776% | 1,990 |
| Equity capital to assets | 12.6619% | 1,769 |
| Core capital (leverage) ratio | 13.1349% | 1,241 |
| Tier 1 risk-based capital ratio | 13.9365% | 3,348 |
| Total risk-based capital ratio | 15.0259% | 3,327 |
| Memoranda: | ||
| Average total assets | $381,801,330 | 1,817 |
| Average earning assets | $346,301,000 | 1,850 |
| Average equity | $46,792,330 | 1,691 |
| Average total loans | $306,630,670 | 1,592 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8273% | 295 |
| Cost of funding earning assets | 0.3386% | 4,712 |
| Net interest margin | 5.4887% | 127 |
| Noninterest income to average assets | 1.0180% | 766 |
| Noninterest expense to average assets | 3.7463% | 699 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5641% | 974 |
| Return on assets (ROA) | 1.5641% | 1,003 |
| Pretax return on assets | 2.2381% | 411 |
| Return on Equity (ROE) | 12.9944% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.9944% | 464 |
| Net charge-offs to loans | -0.1581% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6010% | 3,444 |
| Assets per employee ($millions) | 6.2995% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 2,423 |
| Loan loss allowance to noncurrent loans | 34,872.7273% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,881 |
| Noncurrent loans to loans | 0.0035% | 4,792 |
| Net loans and leases to total assets | 80.0961% | 820 |
| Net loans and leases to deposits | 93.3961% | 1,239 |
| Net loans and leases to core deposits | 102.1666% | 1,454 |
| Total domestic deposits to total assets | 85.7596% | 2,383 |
| Equity capital to assets | 12.8388% | 1,546 |
| Core capital (leverage) ratio | 13.4929% | 1,093 |
| Tier 1 risk-based capital ratio | 13.9323% | 3,375 |
| Total risk-based capital ratio | 15.0229% | 3,367 |
| Memoranda: | ||
| Average total assets | $372,100,500 | 1,868 |
| Average earning assets | $336,693,000 | 1,893 |
| Average equity | $44,788,500 | 1,742 |
| Average total loans | $298,629,500 | 1,644 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3503% | 536 |
| Cost of funding earning assets | 0.1713% | 5,109 |
| Net interest margin | 5.1790% | 197 |
| Noninterest income to average assets | 0.9141% | 1,144 |
| Noninterest expense to average assets | 3.4809% | 1,015 |
| Loan and lease loss provision to assets | 0.0210% | 3,740 |
| Net operating income to assets | 1.4989% | 1,121 |
| Return on assets (ROA) | 1.4989% | 1,108 |
| Pretax return on assets | 2.0865% | 454 |
| Return on Equity (ROE) | 14.3875% | 960 |
| Retained earnings to average equity (ytd only) | 14.3875% | 144 |
| Net charge-offs to loans | 0.0626% | 2,228 |
| Credit loss provision to net charge-offs | 43.6047% | 3,247 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 1,232 |
| Efficiency ratio | 62.2883% | 3,467 |
| Assets per employee ($millions) | 6.3145% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,030 |
| Loan loss allowance to noncurrent loans | 23,237.5000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,904 |
| Noncurrent loans to loans | 0.0056% | 4,799 |
| Net loans and leases to total assets | 78.3260% | 1,220 |
| Net loans and leases to deposits | 89.6680% | 1,838 |
| Net loans and leases to core deposits | 94.9961% | 2,141 |
| Total domestic deposits to total assets | 87.3511% | 1,613 |
| Equity capital to assets | 11.1803% | 2,533 |
| Core capital (leverage) ratio | 10.7389% | 2,803 |
| Tier 1 risk-based capital ratio | 12.3734% | 4,198 |
| Total risk-based capital ratio | 13.5243% | 4,141 |
| Memoranda: | ||
| Average total assets | $357,065,200 | 1,889 |
| Average earning assets | $322,260,400 | 1,915 |
| Average equity | $37,199,000 | 1,977 |
| Average total loans | $274,776,200 | 1,701 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 607 |
| Cost of funding earning assets | 0.1359% | 5,258 |
| Net interest margin | 5.0861% | 222 |
| Noninterest income to average assets | 0.9638% | 1,028 |
| Noninterest expense to average assets | 3.4991% | 981 |
| Loan and lease loss provision to assets | 0.0281% | 3,447 |
| Net operating income to assets | 1.4255% | 1,397 |
| Return on assets (ROA) | 1.4255% | 1,397 |
| Pretax return on assets | 2.0309% | 577 |
| Return on Equity (ROE) | 13.9409% | 1,137 |
| Retained earnings to average equity (ytd only) | 13.9409% | 258 |
| Net charge-offs to loans | 0.0931% | 1,569 |
| Credit loss provision to net charge-offs | 39.4737% | 2,910 |
| Earnings coverage of net charge-offs (x) | 28.9628% | 1,646 |
| Efficiency ratio | 62.9552% | 3,345 |
| Assets per employee ($millions) | 6.4787% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 1,949 |
| Loan loss allowance to noncurrent loans | 12,762.0690% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 4,978 |
| Noncurrent loans to loans | 0.0104% | 4,876 |
| Net loans and leases to total assets | 74.2035% | 1,947 |
| Net loans and leases to deposits | 84.0456% | 2,594 |
| Net loans and leases to core deposits | 89.3253% | 2,717 |
| Total domestic deposits to total assets | 88.2896% | 1,124 |
| Equity capital to assets | 10.4482% | 3,191 |
| Core capital (leverage) ratio | 10.6639% | 2,921 |
| Tier 1 risk-based capital ratio | 12.1632% | 4,399 |
| Total risk-based capital ratio | 13.3372% | 4,341 |
| Memoranda: | ||
| Average total assets | $356,349,250 | 1,900 |
| Average earning assets | $321,889,250 | 1,932 |
| Average equity | $36,438,500 | 2,010 |
| Average total loans | $272,061,250 | 1,715 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1810% | 572 |
| Cost of funding earning assets | 0.1151% | 5,361 |
| Net interest margin | 5.0659% | 221 |
| Noninterest income to average assets | 1.1039% | 789 |
| Noninterest expense to average assets | 3.5780% | 892 |
| Loan and lease loss provision to assets | 0.0426% | 3,049 |
| Net operating income to assets | 1.4385% | 1,313 |
| Return on assets (ROA) | 1.4385% | 1,315 |
| Pretax return on assets | 2.0594% | 529 |
| Return on Equity (ROE) | 14.1756% | 1,035 |
| Retained earnings to average equity (ytd only) | 14.1756% | 262 |
| Net charge-offs to loans | 0.1429% | 1,063 |
| Credit loss provision to net charge-offs | 38.8601% | 2,568 |
| Earnings coverage of net charge-offs (x) | 19.1710% | 1,859 |
| Efficiency ratio | 62.9926% | 3,480 |
| Assets per employee ($millions) | 6.1099% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,820 |
| Loan loss allowance to noncurrent loans | 11,206.0606% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 5,000 |
| Noncurrent loans to loans | 0.0123% | 4,892 |
| Net loans and leases to total assets | 73.3289% | 2,069 |
| Net loans and leases to deposits | 82.8466% | 2,679 |
| Net loans and leases to core deposits | 86.8814% | 2,834 |
| Total domestic deposits to total assets | 88.5117% | 1,135 |
| Equity capital to assets | 10.3255% | 3,313 |
| Core capital (leverage) ratio | 10.4975% | 3,035 |
| Tier 1 risk-based capital ratio | 11.8728% | 4,572 |
| Total risk-based capital ratio | 13.0605% | 4,501 |
| Memoranda: | ||
| Average total assets | $352,036,670 | 1,930 |
| Average earning assets | $318,006,330 | 1,949 |
| Average equity | $35,723,330 | 2,052 |
| Average total loans | $270,173,330 | 1,730 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 709 |
| Cost of funding earning assets | 0.1071% | 5,446 |
| Net interest margin | 4.8865% | 287 |
| Noninterest income to average assets | 1.0603% | 815 |
| Noninterest expense to average assets | 3.5410% | 933 |
| Loan and lease loss provision to assets | 0.0863% | 2,073 |
| Net operating income to assets | 1.2777% | 1,720 |
| Return on assets (ROA) | 1.2777% | 1,725 |
| Pretax return on assets | 1.8424% | 841 |
| Return on Equity (ROE) | 12.7066% | 1,349 |
| Retained earnings to average equity (ytd only) | 12.7066% | 564 |
| Net charge-offs to loans | 0.2876% | 536 |
| Credit loss provision to net charge-offs | 38.4615% | 2,026 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,019 |
| Efficiency ratio | 64.7393% | 3,366 |
| Assets per employee ($millions) | 6.9245% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 2,017 |
| Loan loss allowance to noncurrent loans | 9,474.3590% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 5,069 |
| Noncurrent loans to loans | 0.0143% | 4,929 |
| Net loans and leases to total assets | 76.4235% | 1,475 |
| Net loans and leases to deposits | 86.0610% | 2,161 |
| Net loans and leases to core deposits | 94.4348% | 2,102 |
| Total domestic deposits to total assets | 88.8016% | 1,206 |
| Equity capital to assets | 10.1128% | 3,485 |
| Core capital (leverage) ratio | 10.2861% | 3,201 |
| Tier 1 risk-based capital ratio | 11.0442% | 5,110 |
| Total risk-based capital ratio | 12.1952% | 5,063 |
| Memoranda: | ||
| Average total assets | $347,811,500 | 1,961 |
| Average earning assets | $313,843,000 | 1,982 |
| Average equity | $34,974,000 | 2,100 |
| Average total loans | $271,240,500 | 1,735 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 939 |
| Cost of funding earning assets | 0.1017% | 5,491 |
| Net interest margin | 4.7184% | 408 |
| Noninterest income to average assets | 1.2038% | 719 |
| Noninterest expense to average assets | 3.4581% | 1,109 |
| Loan and lease loss provision to assets | 0.1671% | 1,314 |
| Net operating income to assets | 0.9202% | 2,595 |
| Return on assets (ROA) | 0.9202% | 2,623 |
| Pretax return on assets | 1.8399% | 711 |
| Return on Equity (ROE) | 9.2103% | 2,208 |
| Retained earnings to average equity (ytd only) | 9.2103% | 471 |
| Net charge-offs to loans | -0.0357% | 5,101 |
| Credit loss provision to net charge-offs | -583.6957% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2766% | 3,719 |
| Assets per employee ($millions) | 6.3421% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 1,692 |
| Loan loss allowance to noncurrent loans | 1,423.5075% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,727 |
| Noncurrent loans to loans | 0.0997% | 4,539 |
| Net loans and leases to total assets | 77.4021% | 1,361 |
| Net loans and leases to deposits | 87.0123% | 2,129 |
| Net loans and leases to core deposits | 94.1393% | 2,182 |
| Total domestic deposits to total assets | 88.9554% | 1,024 |
| Equity capital to assets | 9.9964% | 3,714 |
| Core capital (leverage) ratio | 9.4972% | 4,055 |
| Tier 1 risk-based capital ratio | 10.7860% | 5,258 |
| Total risk-based capital ratio | 11.9951% | 5,167 |
| Memoranda: | ||
| Average total assets | $321,328,800 | 2,060 |
| Average earning assets | $290,204,600 | 2,097 |
| Average equity | $32,105,400 | 2,214 |
| Average total loans | $257,769,000 | 1,769 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 1,025 |
| Cost of funding earning assets | 0.1022% | 5,548 |
| Net interest margin | 4.6498% | 447 |
| Noninterest income to average assets | 1.2175% | 707 |
| Noninterest expense to average assets | 3.4779% | 1,030 |
| Loan and lease loss provision to assets | 0.1590% | 1,293 |
| Net operating income to assets | 1.0218% | 2,463 |
| Return on assets (ROA) | 1.0218% | 2,502 |
| Pretax return on assets | 1.7820% | 925 |
| Return on Equity (ROE) | 10.2279% | 2,029 |
| Retained earnings to average equity (ytd only) | 10.2279% | 538 |
| Net charge-offs to loans | -0.0439% | 5,124 |
| Credit loss provision to net charge-offs | -448.8095% | 4,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1806% | 3,511 |
| Assets per employee ($millions) | 6.2766% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 2,058 |
| Loan loss allowance to noncurrent loans | 2,337.8205% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 5,007 |
| Noncurrent loans to loans | 0.0584% | 4,852 |
| Net loans and leases to total assets | 76.3667% | 1,522 |
| Net loans and leases to deposits | 85.8354% | 2,315 |
| Net loans and leases to core deposits | 95.3336% | 2,143 |
| Total domestic deposits to total assets | 88.9688% | 905 |
| Equity capital to assets | 9.7543% | 4,185 |
| Core capital (leverage) ratio | 10.2811% | 3,222 |
| Tier 1 risk-based capital ratio | 10.6202% | 5,407 |
| Total risk-based capital ratio | 11.7812% | 5,369 |
| Memoranda: | ||
| Average total assets | $316,042,250 | 2,095 |
| Average earning assets | $285,570,500 | 2,136 |
| Average equity | $31,573,000 | 2,263 |
| Average total loans | $254,986,750 | 1,800 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 978 |
| Cost of funding earning assets | 0.1056% | 5,582 |
| Net interest margin | 4.6365% | 445 |
| Noninterest income to average assets | 1.2334% | 685 |
| Noninterest expense to average assets | 3.5505% | 936 |
| Loan and lease loss provision to assets | 0.1678% | 1,173 |
| Net operating income to assets | 0.9598% | 2,607 |
| Return on assets (ROA) | 0.9598% | 2,666 |
| Pretax return on assets | 1.7021% | 1,056 |
| Return on Equity (ROE) | 9.5229% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.5229% | 698 |
| Net charge-offs to loans | -0.0638% | 5,268 |
| Credit loss provision to net charge-offs | -321.2500% | 4,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5023% | 3,436 |
| Assets per employee ($millions) | 6.0567% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 2,042 |
| Loan loss allowance to noncurrent loans | 2,084.6154% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,005 |
| Noncurrent loans to loans | 0.0661% | 4,859 |
| Net loans and leases to total assets | 80.0215% | 953 |
| Net loans and leases to deposits | 90.6549% | 1,648 |
| Net loans and leases to core deposits | 101.2787% | 1,567 |
| Total domestic deposits to total assets | 88.2704% | 1,320 |
| Equity capital to assets | 10.3766% | 3,481 |
| Core capital (leverage) ratio | 10.4252% | 2,999 |
| Tier 1 risk-based capital ratio | 10.7456% | 5,362 |
| Total risk-based capital ratio | 11.9234% | 5,324 |
| Memoranda: | ||
| Average total assets | $306,319,000 | 2,154 |
| Average earning assets | $276,633,670 | 2,192 |
| Average equity | $30,873,000 | 2,305 |
| Average total loans | $250,891,000 | 1,820 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 1,116 |
| Cost of funding earning assets | 0.1021% | 5,642 |
| Net interest margin | 4.5087% | 515 |
| Noninterest income to average assets | 1.0304% | 947 |
| Noninterest expense to average assets | 3.4847% | 1,067 |
| Loan and lease loss provision to assets | 0.3404% | 360 |
| Net operating income to assets | 0.7285% | 3,569 |
| Return on assets (ROA) | 0.7285% | 3,618 |
| Pretax return on assets | 1.2980% | 2,239 |
| Return on Equity (ROE) | 7.3409% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.3409% | 1,724 |
| Net charge-offs to loans | -0.0290% | 4,915 |
| Credit loss provision to net charge-offs | -1,427.7778% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0196% | 3,194 |
| Assets per employee ($millions) | 6.2948% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 2,331 |
| Loan loss allowance to noncurrent loans | 1,134.7541% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,875 |
| Noncurrent loans to loans | 0.1183% | 4,718 |
| Net loans and leases to total assets | 82.4456% | 520 |
| Net loans and leases to deposits | 92.9279% | 1,231 |
| Net loans and leases to core deposits | 103.2799% | 1,273 |
| Total domestic deposits to total assets | 88.7199% | 1,308 |
| Equity capital to assets | 10.2822% | 3,424 |
| Core capital (leverage) ratio | 10.0185% | 3,469 |
| Tier 1 risk-based capital ratio | 10.0837% | 5,678 |
| Total risk-based capital ratio | 11.2416% | 5,670 |
| Memoranda: | ||
| Average total assets | $302,004,500 | 2,195 |
| Average earning assets | $274,136,000 | 2,220 |
| Average equity | $29,969,000 | 2,378 |
| Average total loans | $248,562,000 | 1,841 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3375% | 2,022 |
| Cost of funding earning assets | 0.1135% | 5,639 |
| Net interest margin | 4.2240% | 1,065 |
| Noninterest income to average assets | 1.1358% | 883 |
| Noninterest expense to average assets | 3.6177% | 986 |
| Loan and lease loss provision to assets | -0.1838% | 5,773 |
| Net operating income to assets | 0.9052% | 2,792 |
| Return on assets (ROA) | 0.9052% | 2,908 |
| Pretax return on assets | 1.5329% | 1,483 |
| Return on Equity (ROE) | 9.1826% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.1826% | 547 |
| Net charge-offs to loans | -0.1937% | 5,732 |
| Credit loss provision to net charge-offs | 122.2494% | 2,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8383% | 2,447 |
| Assets per employee ($millions) | 6.1575% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,378 |
| Loan loss allowance to noncurrent loans | 3,838.5542% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 5,263 |
| Noncurrent loans to loans | 0.0347% | 5,121 |
| Net loans and leases to total assets | 79.9074% | 907 |
| Net loans and leases to deposits | 89.6801% | 1,721 |
| Net loans and leases to core deposits | 95.9698% | 1,927 |
| Total domestic deposits to total assets | 89.1028% | 1,059 |
| Equity capital to assets | 9.5489% | 4,219 |
| Core capital (leverage) ratio | 9.0337% | 4,700 |
| Tier 1 risk-based capital ratio | 9.6317% | 5,805 |
| Total risk-based capital ratio | 10.7905% | 5,800 |
| Memoranda: | ||
| Average total assets | $271,970,800 | 2,346 |
| Average earning assets | $246,662,600 | 2,384 |
| Average equity | $26,811,600 | 2,585 |
| Average total loans | $211,175,800 | 2,037 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 2,208 |
| Cost of funding earning assets | 0.1146% | 5,700 |
| Net interest margin | 4.1712% | 1,197 |
| Noninterest income to average assets | 1.1114% | 923 |
| Noninterest expense to average assets | 3.6786% | 882 |
| Loan and lease loss provision to assets | -0.2506% | 5,886 |
| Net operating income to assets | 0.8439% | 3,183 |
| Return on assets (ROA) | 0.8439% | 3,297 |
| Pretax return on assets | 1.4602% | 1,854 |
| Return on Equity (ROE) | 8.4860% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.4860% | 986 |
| Net charge-offs to loans | -0.3671% | 5,856 |
| Credit loss provision to net charge-offs | 88.9680% | 2,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2537% | 2,067 |
| Assets per employee ($millions) | 5.8694% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,700 |
| Loan loss allowance to noncurrent loans | 750.3371% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 4,799 |
| Noncurrent loans to loans | 0.2024% | 4,546 |
| Net loans and leases to total assets | 76.8566% | 1,390 |
| Net loans and leases to deposits | 86.3088% | 2,232 |
| Net loans and leases to core deposits | 92.8934% | 2,290 |
| Total domestic deposits to total assets | 89.0484% | 878 |
| Equity capital to assets | 9.7036% | 4,462 |
| Core capital (leverage) ratio | 9.3123% | 4,446 |
| Tier 1 risk-based capital ratio | 9.9091% | 5,815 |
| Total risk-based capital ratio | 11.1634% | 5,780 |
| Memoranda: | ||
| Average total assets | $266,073,000 | 2,397 |
| Average earning assets | $240,914,500 | 2,435 |
| Average equity | $26,458,750 | 2,621 |
| Average total loans | $204,129,250 | 2,096 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 2,424 |
| Cost of funding earning assets | 0.1153% | 5,780 |
| Net interest margin | 4.1109% | 1,339 |
| Noninterest income to average assets | 1.1631% | 828 |
| Noninterest expense to average assets | 3.7301% | 843 |
| Loan and lease loss provision to assets | -0.3834% | 6,001 |
| Net operating income to assets | 0.8748% | 2,986 |
| Return on assets (ROA) | 0.8748% | 3,099 |
| Pretax return on assets | 1.5334% | 1,572 |
| Return on Equity (ROE) | 8.7214% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.7214% | 930 |
| Net charge-offs to loans | -0.5430% | 5,950 |
| Credit loss provision to net charge-offs | 92.5926% | 2,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4336% | 2,019 |
| Assets per employee ($millions) | 5.4880% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 1,597 |
| Loan loss allowance to noncurrent loans | 729.0110% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,811 |
| Noncurrent loans to loans | 0.2162% | 4,573 |
| Net loans and leases to total assets | 78.6199% | 1,123 |
| Net loans and leases to deposits | 88.6905% | 1,899 |
| Net loans and leases to core deposits | 95.5096% | 2,018 |
| Total domestic deposits to total assets | 88.6453% | 1,089 |
| Equity capital to assets | 10.1677% | 4,005 |
| Core capital (leverage) ratio | 9.4694% | 4,240 |
| Tier 1 risk-based capital ratio | 10.1495% | 5,803 |
| Total risk-based capital ratio | 11.4056% | 5,746 |
| Memoranda: | ||
| Average total assets | $260,854,000 | 2,451 |
| Average earning assets | $235,860,000 | 2,488 |
| Average equity | $26,165,670 | 2,652 |
| Average total loans | $198,883,330 | 2,138 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,581 |
| Cost of funding earning assets | 0.1174% | 5,827 |
| Net interest margin | 4.0541% | 1,465 |
| Noninterest income to average assets | 1.4578% | 531 |
| Noninterest expense to average assets | 3.8140% | 758 |
| Loan and lease loss provision to assets | -0.7705% | 6,100 |
| Net operating income to assets | 1.2051% | 1,538 |
| Return on assets (ROA) | 1.2051% | 1,640 |
| Pretax return on assets | 2.0865% | 479 |
| Return on Equity (ROE) | 12.0975% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.0975% | 495 |
| Net charge-offs to loans | -1.0709% | 6,046 |
| Credit loss provision to net charge-offs | 96.7118% | 1,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3467% | 2,419 |
| Assets per employee ($millions) | 5.6638% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 1,395 |
| Loan loss allowance to noncurrent loans | 699.3631% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 4,864 |
| Noncurrent loans to loans | 0.2411% | 4,566 |
| Net loans and leases to total assets | 72.1383% | 2,013 |
| Net loans and leases to deposits | 80.7690% | 2,696 |
| Net loans and leases to core deposits | 87.1734% | 2,643 |
| Total domestic deposits to total assets | 89.3143% | 936 |
| Equity capital to assets | 9.8773% | 4,246 |
| Core capital (leverage) ratio | 9.2425% | 4,554 |
| Tier 1 risk-based capital ratio | 10.5676% | 5,722 |
| Total risk-based capital ratio | 11.8258% | 5,625 |
| Memoranda: | ||
| Average total assets | $259,569,500 | 2,466 |
| Average earning assets | $235,120,500 | 2,502 |
| Average equity | $25,856,500 | 2,675 |
| Average total loans | $193,115,000 | 2,179 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 3,243 |
| Cost of funding earning assets | 0.1410% | 5,743 |
| Net interest margin | 3.8778% | 2,105 |
| Noninterest income to average assets | 0.5212% | 3,189 |
| Noninterest expense to average assets | 3.4570% | 1,373 |
| Loan and lease loss provision to assets | -0.1662% | 5,947 |
| Net operating income to assets | 0.4277% | 4,960 |
| Return on assets (ROA) | 0.4277% | 5,041 |
| Pretax return on assets | 0.7277% | 4,445 |
| Return on Equity (ROE) | 4.1707% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.1707% | 3,021 |
| Net charge-offs to loans | -0.0817% | 5,721 |
| Credit loss provision to net charge-offs | 281.6901% | 1,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0275% | 988 |
| Assets per employee ($millions) | 5.4987% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 1,322 |
| Loan loss allowance to noncurrent loans | 684.1336% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 2,894 |
| Noncurrent loans to loans | 0.2509% | 4,532 |
| Net loans and leases to total assets | 74.1787% | 1,697 |
| Net loans and leases to deposits | 83.0544% | 2,468 |
| Net loans and leases to core deposits | 89.9727% | 2,409 |
| Total domestic deposits to total assets | 89.3134% | 958 |
| Equity capital to assets | 10.0497% | 3,901 |
| Core capital (leverage) ratio | 8.9521% | 4,938 |
| Tier 1 risk-based capital ratio | 10.5230% | 5,765 |
| Total risk-based capital ratio | 11.7855% | 5,675 |
| Memoranda: | ||
| Average total assets | $240,616,600 | 2,576 |
| Average earning assets | $217,006,200 | 2,612 |
| Average equity | $24,672,000 | 2,725 |
| Average total loans | $173,881,800 | 2,305 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 3,404 |
| Cost of funding earning assets | 0.1460% | 5,813 |
| Net interest margin | 3.8361% | 2,246 |
| Noninterest income to average assets | 0.4726% | 3,553 |
| Noninterest expense to average assets | 3.4313% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2952% | 5,464 |
| Return on assets (ROA) | 0.2952% | 5,546 |
| Pretax return on assets | 0.4928% | 5,234 |
| Return on Equity (ROE) | 2.8643% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.8643% | 4,405 |
| Net charge-offs to loans | -0.0849% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4410% | 896 |
| Assets per employee ($millions) | 5.1700% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0262% | 883 |
| Loan loss allowance to noncurrent loans | 408.8664% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,552 |
| Noncurrent loans to loans | 0.4956% | 3,861 |
| Net loans and leases to total assets | 72.4949% | 1,981 |
| Net loans and leases to deposits | 81.3956% | 2,718 |
| Net loans and leases to core deposits | 89.9838% | 2,470 |
| Total domestic deposits to total assets | 89.0649% | 1,002 |
| Equity capital to assets | 10.2441% | 3,879 |
| Core capital (leverage) ratio | 9.1621% | 4,785 |
| Tier 1 risk-based capital ratio | 10.7221% | 5,791 |
| Total risk-based capital ratio | 11.9890% | 5,721 |
| Memoranda: | ||
| Average total assets | $237,535,250 | 2,609 |
| Average earning assets | $213,720,500 | 2,661 |
| Average equity | $24,485,000 | 2,759 |
| Average total loans | $169,625,750 | 2,369 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,517 |
| Cost of funding earning assets | 0.1488% | 5,855 |
| Net interest margin | 3.7956% | 2,332 |
| Noninterest income to average assets | 0.4989% | 3,386 |
| Noninterest expense to average assets | 3.4270% | 1,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2995% | 5,437 |
| Return on assets (ROA) | 0.2995% | 5,541 |
| Pretax return on assets | 0.4904% | 5,255 |
| Return on Equity (ROE) | 2.8995% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.8995% | 4,194 |
| Net charge-offs to loans | -0.0806% | 5,704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4810% | 941 |
| Assets per employee ($millions) | 5.3310% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 864 |
| Loan loss allowance to noncurrent loans | 396.8062% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.9626% | 2,600 |
| Noncurrent loans to loans | 0.5274% | 3,877 |
| Net loans and leases to total assets | 71.8657% | 2,009 |
| Net loans and leases to deposits | 80.7719% | 2,687 |
| Net loans and leases to core deposits | 87.7371% | 2,576 |
| Total domestic deposits to total assets | 88.9736% | 1,155 |
| Equity capital to assets | 10.4837% | 3,456 |
| Core capital (leverage) ratio | 9.2926% | 4,565 |
| Tier 1 risk-based capital ratio | 10.8790% | 5,769 |
| Total risk-based capital ratio | 12.1474% | 5,684 |
| Memoranda: | ||
| Average total assets | $235,717,670 | 2,649 |
| Average earning assets | $212,299,000 | 2,691 |
| Average equity | $24,349,330 | 2,774 |
| Average total loans | $166,235,330 | 2,415 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,099 |
| Cost of funding earning assets | 0.1539% | 5,901 |
| Net interest margin | 3.6246% | 2,910 |
| Noninterest income to average assets | 0.5315% | 3,080 |
| Noninterest expense to average assets | 3.3924% | 1,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2505% | 5,565 |
| Return on assets (ROA) | 0.2505% | 5,654 |
| Pretax return on assets | 0.4080% | 5,419 |
| Return on Equity (ROE) | 2.4434% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.4434% | 4,474 |
| Net charge-offs to loans | -0.1029% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2650% | 913 |
| Assets per employee ($millions) | 5.6318% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1720% | 835 |
| Loan loss allowance to noncurrent loans | 389.6514% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 2,757 |
| Noncurrent loans to loans | 0.5574% | 3,914 |
| Net loans and leases to total assets | 66.5282% | 2,688 |
| Net loans and leases to deposits | 74.3114% | 3,264 |
| Net loans and leases to core deposits | 83.2244% | 2,842 |
| Total domestic deposits to total assets | 89.5263% | 981 |
| Equity capital to assets | 10.0455% | 4,095 |
| Core capital (leverage) ratio | 9.1293% | 4,812 |
| Tier 1 risk-based capital ratio | 11.2383% | 5,693 |
| Total risk-based capital ratio | 12.5079% | 5,599 |
| Memoranda: | ||
| Average total assets | $236,294,500 | 2,664 |
| Average earning assets | $213,100,500 | 2,700 |
| Average equity | $24,228,500 | 2,809 |
| Average total loans | $163,266,000 | 2,454 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,154 |
| Cost of funding earning assets | 0.1689% | 5,986 |
| Net interest margin | 4.2528% | 1,158 |
| Noninterest income to average assets | 0.5385% | 3,248 |
| Noninterest expense to average assets | 3.5491% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4555% | 4,992 |
| Return on assets (ROA) | 0.4555% | 5,088 |
| Pretax return on assets | 0.7539% | 4,426 |
| Return on Equity (ROE) | 4.1077% | 5,069 |
| Retained earnings to average equity (ytd only) | 4.1077% | 3,278 |
| Net charge-offs to loans | -0.0488% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4786% | 1,609 |
| Assets per employee ($millions) | 5.6200% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1842% | 840 |
| Loan loss allowance to noncurrent loans | 377.2679% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9925% | 2,769 |
| Noncurrent loans to loans | 0.5789% | 3,934 |
| Net loans and leases to total assets | 68.7047% | 2,459 |
| Net loans and leases to deposits | 77.0943% | 3,071 |
| Net loans and leases to core deposits | 87.3893% | 2,567 |
| Total domestic deposits to total assets | 89.1177% | 1,164 |
| Equity capital to assets | 10.4721% | 3,520 |
| Core capital (leverage) ratio | 8.6859% | 5,362 |
| Tier 1 risk-based capital ratio | 10.3720% | 6,157 |
| Total risk-based capital ratio | 11.6297% | 6,096 |
| Memoranda: | ||
| Average total assets | $212,084,600 | 2,859 |
| Average earning assets | $187,735,000 | 2,939 |
| Average equity | $23,516,600 | 2,796 |
| Average total loans | $153,695,600 | 2,518 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 1,756 |
| Cost of funding earning assets | 0.1685% | 6,074 |
| Net interest margin | 4.3650% | 932 |
| Noninterest income to average assets | 0.5905% | 2,930 |
| Noninterest expense to average assets | 3.6330% | 1,234 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4768% | 4,964 |
| Return on assets (ROA) | 0.4768% | 5,044 |
| Pretax return on assets | 0.8025% | 4,357 |
| Return on Equity (ROE) | 4.2345% | 5,067 |
| Retained earnings to average equity (ytd only) | 4.2345% | 3,640 |
| Net charge-offs to loans | -0.0422% | 5,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9064% | 1,635 |
| Assets per employee ($millions) | 5.2871% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2112% | 929 |
| Loan loss allowance to noncurrent loans | 245.8304% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 2,457 |
| Noncurrent loans to loans | 0.8995% | 3,314 |
| Net loans and leases to total assets | 69.8649% | 2,218 |
| Net loans and leases to deposits | 78.8377% | 2,860 |
| Net loans and leases to core deposits | 89.9800% | 2,227 |
| Total domestic deposits to total assets | 88.6187% | 1,440 |
| Equity capital to assets | 10.7463% | 3,243 |
| Core capital (leverage) ratio | 8.8442% | 5,278 |
| Tier 1 risk-based capital ratio | 9.9167% | 6,362 |
| Total risk-based capital ratio | 11.1743% | 6,332 |
| Memoranda: | ||
| Average total assets | $207,500,500 | 2,929 |
| Average earning assets | $182,781,250 | 3,024 |
| Average equity | $23,363,250 | 2,822 |
| Average total loans | $151,658,250 | 2,552 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 1,328 |
| Cost of funding earning assets | 0.1711% | 6,130 |
| Net interest margin | 4.5089% | 691 |
| Noninterest income to average assets | 0.5102% | 3,401 |
| Noninterest expense to average assets | 3.7987% | 976 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3908% | 5,259 |
| Return on assets (ROA) | 0.3908% | 5,327 |
| Pretax return on assets | 0.6642% | 4,754 |
| Return on Equity (ROE) | 3.4143% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.4143% | 4,027 |
| Net charge-offs to loans | -0.0067% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1172% | 1,366 |
| Assets per employee ($millions) | 5.1742% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2679% | 934 |
| Loan loss allowance to noncurrent loans | 215.7534% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 1.3934% | 2,349 |
| Noncurrent loans to loans | 1.0512% | 3,124 |
| Net loans and leases to total assets | 70.3851% | 2,023 |
| Net loans and leases to deposits | 79.7318% | 2,552 |
| Net loans and leases to core deposits | 94.5709% | 1,731 |
| Total domestic deposits to total assets | 88.2772% | 1,749 |
| Equity capital to assets | 11.0548% | 2,821 |
| Core capital (leverage) ratio | 9.2773% | 4,629 |
| Tier 1 risk-based capital ratio | 10.1544% | 6,345 |
| Total risk-based capital ratio | 11.4126% | 6,307 |
| Memoranda: | ||
| Average total assets | $202,648,330 | 3,003 |
| Average earning assets | $177,648,000 | 3,108 |
| Average equity | $23,196,670 | 2,829 |
| Average total loans | $149,328,330 | 2,587 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 765 |
| Cost of funding earning assets | 0.1724% | 6,214 |
| Net interest margin | 4.7961% | 385 |
| Noninterest income to average assets | 0.3982% | 4,203 |
| Noninterest expense to average assets | 4.0566% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3234% | 5,415 |
| Return on assets (ROA) | 0.3234% | 5,467 |
| Pretax return on assets | 0.5579% | 4,989 |
| Return on Equity (ROE) | 2.7743% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.7743% | 4,426 |
| Net charge-offs to loans | 0.0732% | 2,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.2222% | 1,877 |
| Efficiency ratio | 87.9106% | 1,235 |
| Assets per employee ($millions) | 5.0255% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3133% | 1,007 |
| Loan loss allowance to noncurrent loans | 247.3343% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 2,660 |
| Noncurrent loans to loans | 0.9353% | 3,546 |
| Net loans and leases to total assets | 70.3597% | 1,824 |
| Net loans and leases to deposits | 79.6239% | 2,347 |
| Net loans and leases to core deposits | 98.8895% | 1,182 |
| Total domestic deposits to total assets | 88.3651% | 2,014 |
| Equity capital to assets | 11.2476% | 2,484 |
| Core capital (leverage) ratio | 9.3963% | 4,426 |
| Tier 1 risk-based capital ratio | 10.0605% | 6,460 |
| Total risk-based capital ratio | 11.3191% | 6,427 |
| Memoranda: | ||
| Average total assets | $197,901,000 | 3,079 |
| Average earning assets | $173,976,500 | 3,172 |
| Average equity | $23,069,000 | 2,840 |
| Average total loans | $147,601,500 | 2,619 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7844% | 1,355 |
| Cost of funding earning assets | 0.2069% | 6,249 |
| Net interest margin | 4.5775% | 640 |
| Noninterest income to average assets | 0.1528% | 6,178 |
| Noninterest expense to average assets | 3.7192% | 1,257 |
| Loan and lease loss provision to assets | 0.0961% | 3,200 |
| Net operating income to assets | 3.5847% | 77 |
| Return on assets (ROA) | 3.5847% | 75 |
| Pretax return on assets | 0.4190% | 5,447 |
| Return on Equity (ROE) | 33.6414% | 47 |
| Retained earnings to average equity (ytd only) | 33.6414% | 23 |
| Net charge-offs to loans | 0.2331% | 2,585 |
| Credit loss provision to net charge-offs | 53.2308% | 3,747 |
| Earnings coverage of net charge-offs (x) | 2.8523% | 4,053 |
| Efficiency ratio | 87.8346% | 1,235 |
| Assets per employee ($millions) | 4.9936% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3570% | 976 |
| Loan loss allowance to noncurrent loans | 238.2920% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 2,520 |
| Noncurrent loans to loans | 0.9891% | 3,540 |
| Net loans and leases to total assets | 75.5373% | 1,140 |
| Net loans and leases to deposits | 86.2843% | 1,649 |
| Net loans and leases to core deposits | 105.5772% | 816 |
| Total domestic deposits to total assets | 87.5447% | 2,453 |
| Equity capital to assets | 12.1012% | 1,742 |
| Core capital (leverage) ratio | 9.5354% | 4,211 |
| Tier 1 risk-based capital ratio | 10.2073% | 6,455 |
| Total risk-based capital ratio | 11.4665% | 6,412 |
| Memoranda: | ||
| Average total assets | $179,959,000 | 3,273 |
| Average earning assets | $160,458,600 | 3,331 |
| Average equity | $19,175,800 | 3,260 |
| Average total loans | $139,402,800 | 2,711 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8522% | 1,237 |
| Cost of funding earning assets | 0.2133% | 6,333 |
| Net interest margin | 4.6390% | 575 |
| Noninterest income to average assets | 0.0128% | 6,715 |
| Noninterest expense to average assets | 3.7353% | 1,193 |
| Loan and lease loss provision to assets | 0.1299% | 2,662 |
| Net operating income to assets | 4.6787% | 43 |
| Return on assets (ROA) | 4.6787% | 44 |
| Pretax return on assets | 0.2974% | 5,886 |
| Return on Equity (ROE) | 45.5600% | 18 |
| Retained earnings to average equity (ytd only) | 45.5600% | 9 |
| Net charge-offs to loans | 0.3548% | 1,774 |
| Credit loss provision to net charge-offs | 47.2678% | 3,573 |
| Earnings coverage of net charge-offs (x) | 1.5546% | 4,320 |
| Efficiency ratio | 89.7329% | 1,021 |
| Assets per employee ($millions) | 4.9536% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4263% | 1,020 |
| Loan loss allowance to noncurrent loans | 219.4480% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.5449% | 2,617 |
| Noncurrent loans to loans | 1.1057% | 3,584 |
| Net loans and leases to total assets | 73.0421% | 1,445 |
| Net loans and leases to deposits | 83.4206% | 1,951 |
| Net loans and leases to core deposits | 105.5390% | 782 |
| Total domestic deposits to total assets | 87.5588% | 2,377 |
| Equity capital to assets | 12.0985% | 1,858 |
| Core capital (leverage) ratio | 10.0046% | 3,675 |
| Tier 1 risk-based capital ratio | 10.4539% | 6,471 |
| Total risk-based capital ratio | 11.7141% | 6,435 |
| Memoranda: | ||
| Average total assets | $177,509,250 | 3,332 |
| Average earning assets | $158,795,500 | 3,399 |
| Average equity | $18,229,000 | 3,415 |
| Average total loans | $137,554,000 | 2,749 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 1,796 |
| Cost of funding earning assets | 0.2250% | 6,343 |
| Net interest margin | 4.3917% | 861 |
| Noninterest income to average assets | 0.4117% | 4,431 |
| Noninterest expense to average assets | 3.8935% | 986 |
| Loan and lease loss provision to assets | 0.1989% | 1,908 |
| Net operating income to assets | 0.2921% | 5,624 |
| Return on assets (ROA) | 0.2921% | 5,772 |
| Pretax return on assets | 0.2921% | 5,896 |
| Return on Equity (ROE) | 3.0394% | 5,609 |
| Retained earnings to average equity (ytd only) | 3.0394% | 4,385 |
| Net charge-offs to loans | 1.3369% | 424 |
| Credit loss provision to net charge-offs | 18.9693% | 3,749 |
| Earnings coverage of net charge-offs (x) | 0.4682% | 4,379 |
| Efficiency ratio | 88.8015% | 1,152 |
| Assets per employee ($millions) | 4.6615% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 1,566 |
| Loan loss allowance to noncurrent loans | 173.3856% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 1.9855% | 2,165 |
| Noncurrent loans to loans | 1.2272% | 3,503 |
| Net loans and leases to total assets | 74.6055% | 1,158 |
| Net loans and leases to deposits | 82.8204% | 1,949 |
| Net loans and leases to core deposits | 100.1599% | 1,068 |
| Total domestic deposits to total assets | 90.0811% | 983 |
| Equity capital to assets | 9.4684% | 4,621 |
| Core capital (leverage) ratio | 9.8741% | 3,680 |
| Tier 1 risk-based capital ratio | 10.3897% | 6,541 |
| Total risk-based capital ratio | 11.6461% | 6,506 |
| Memoranda: | ||
| Average total assets | $173,933,000 | 3,393 |
| Average earning assets | $157,341,000 | 3,442 |
| Average equity | $16,714,000 | 3,665 |
| Average total loans | $136,434,670 | 2,768 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,559 |
| Cost of funding earning assets | 0.2379% | 6,363 |
| Net interest margin | 4.4539% | 732 |
| Noninterest income to average assets | 0.3366% | 5,004 |
| Noninterest expense to average assets | 3.9064% | 991 |
| Loan and lease loss provision to assets | 0.2182% | 1,700 |
| Net operating income to assets | 0.2530% | 5,717 |
| Return on assets (ROA) | 0.2530% | 5,836 |
| Pretax return on assets | 0.2530% | 5,951 |
| Return on Equity (ROE) | 2.6131% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.6131% | 4,716 |
| Net charge-offs to loans | 3.0013% | 115 |
| Credit loss provision to net charge-offs | 9.1351% | 3,154 |
| Earnings coverage of net charge-offs (x) | 0.1973% | 3,751 |
| Efficiency ratio | 89.2365% | 1,212 |
| Assets per employee ($millions) | 4.8558% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 2,146 |
| Loan loss allowance to noncurrent loans | 194.9745% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 1.8494% | 2,545 |
| Noncurrent loans to loans | 1.0053% | 4,118 |
| Net loans and leases to total assets | 76.5950% | 766 |
| Net loans and leases to deposits | 85.1100% | 1,457 |
| Net loans and leases to core deposits | 107.1409% | 596 |
| Total domestic deposits to total assets | 89.9954% | 1,060 |
| Equity capital to assets | 9.5779% | 4,739 |
| Core capital (leverage) ratio | 9.8904% | 3,542 |
| Tier 1 risk-based capital ratio | 10.3248% | 6,628 |
| Total risk-based capital ratio | 11.5802% | 6,612 |
| Memoranda: | ||
| Average total assets | $172,331,000 | 3,466 |
| Average earning assets | $156,358,500 | 3,495 |
| Average equity | $16,685,000 | 3,716 |
| Average total loans | $137,138,500 | 2,776 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 1,612 |
| Cost of funding earning assets | 0.3366% | 6,287 |
| Net interest margin | 4.6452% | 722 |
| Noninterest income to average assets | 0.4847% | 4,005 |
| Noninterest expense to average assets | 3.6979% | 1,419 |
| Loan and lease loss provision to assets | 0.8879% | 509 |
| Net operating income to assets | 0.1173% | 5,975 |
| Return on assets (ROA) | 0.1173% | 6,117 |
| Pretax return on assets | 0.1340% | 6,095 |
| Return on Equity (ROE) | 1.1335% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.1335% | 5,306 |
| Net charge-offs to loans | 0.4593% | 2,398 |
| Credit loss provision to net charge-offs | 240.0668% | 1,034 |
| Earnings coverage of net charge-offs (x) | 2.7629% | 4,043 |
| Efficiency ratio | 78.3490% | 2,387 |
| Assets per employee ($millions) | 4.7181% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6223% | 1,000 |
| Loan loss allowance to noncurrent loans | 109.9239% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 3.0291% | 1,558 |
| Noncurrent loans to loans | 2.3855% | 2,246 |
| Net loans and leases to total assets | 78.9471% | 573 |
| Net loans and leases to deposits | 87.9426% | 1,283 |
| Net loans and leases to core deposits | 114.1653% | 414 |
| Total domestic deposits to total assets | 89.7712% | 1,085 |
| Equity capital to assets | 9.7891% | 4,467 |
| Core capital (leverage) ratio | 9.7991% | 3,659 |
| Tier 1 risk-based capital ratio | 10.4725% | 6,565 |
| Total risk-based capital ratio | 11.7355% | 6,533 |
| Memoranda: | ||
| Average total assets | $161,957,400 | 3,583 |
| Average earning assets | $147,656,400 | 3,594 |
| Average equity | $16,762,800 | 3,661 |
| Average total loans | $130,427,000 | 2,881 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0446% | 1,571 |
| Cost of funding earning assets | 0.3568% | 6,350 |
| Net interest margin | 4.6877% | 687 |
| Noninterest income to average assets | 0.3617% | 4,928 |
| Noninterest expense to average assets | 3.9295% | 1,034 |
| Loan and lease loss provision to assets | 0.1567% | 3,561 |
| Net operating income to assets | 0.5567% | 4,594 |
| Return on assets (ROA) | 0.5567% | 4,852 |
| Pretax return on assets | 0.5567% | 5,283 |
| Return on Equity (ROE) | 5.3025% | 4,688 |
| Retained earnings to average equity (ytd only) | 5.3025% | 3,158 |
| Net charge-offs to loans | 0.0062% | 5,656 |
| Credit loss provision to net charge-offs | 3,133.3333% | 87 |
| Earnings coverage of net charge-offs (x) | 142.6625% | 312 |
| Efficiency ratio | 84.6347% | 1,516 |
| Assets per employee ($millions) | 4.5151% | 2,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2292% | 1,650 |
| Loan loss allowance to noncurrent loans | 104.2343% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 2.8878% | 1,812 |
| Noncurrent loans to loans | 2.1386% | 2,684 |
| Net loans and leases to total assets | 79.7072% | 528 |
| Net loans and leases to deposits | 92.2700% | 945 |
| Net loans and leases to core deposits | 124.6608% | 238 |
| Total domestic deposits to total assets | 86.3847% | 3,047 |
| Equity capital to assets | 10.5300% | 3,808 |
| Core capital (leverage) ratio | 10.5284% | 2,879 |
| Tier 1 risk-based capital ratio | 11.1525% | 6,416 |
| Total risk-based capital ratio | 12.4111% | 6,385 |
| Memoranda: | ||
| Average total assets | $159,983,500 | 3,659 |
| Average earning assets | $146,107,750 | 3,659 |
| Average equity | $16,796,750 | 3,690 |
| Average total loans | $128,607,500 | 2,947 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 1,406 |
| Cost of funding earning assets | 0.3823% | 6,367 |
| Net interest margin | 4.7567% | 604 |
| Noninterest income to average assets | 0.4072% | 4,595 |
| Noninterest expense to average assets | 4.0608% | 879 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7089% | 3,825 |
| Return on assets (ROA) | 0.7089% | 4,088 |
| Pretax return on assets | 0.7089% | 4,809 |
| Return on Equity (ROE) | 6.7584% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.7584% | 2,244 |
| Net charge-offs to loans | 0.0094% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 454 |
| Efficiency ratio | 85.1383% | 1,520 |
| Assets per employee ($millions) | 4.4356% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2251% | 1,717 |
| Loan loss allowance to noncurrent loans | 182.1476% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 2.1154% | 2,644 |
| Noncurrent loans to loans | 1.2216% | 4,103 |
| Net loans and leases to total assets | 76.0882% | 958 |
| Net loans and leases to deposits | 85.6629% | 1,642 |
| Net loans and leases to core deposits | 111.1457% | 533 |
| Total domestic deposits to total assets | 88.8229% | 1,623 |
| Equity capital to assets | 10.6392% | 3,527 |
| Core capital (leverage) ratio | 10.6434% | 2,670 |
| Tier 1 risk-based capital ratio | 11.5225% | 6,202 |
| Total risk-based capital ratio | 12.7806% | 6,176 |
| Memoranda: | ||
| Average total assets | $159,129,670 | 3,682 |
| Average earning assets | $145,940,670 | 3,683 |
| Average equity | $16,690,330 | 3,702 |
| Average total loans | $127,305,330 | 2,976 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2063% | 1,305 |
| Cost of funding earning assets | 0.4076% | 6,375 |
| Net interest margin | 4.7988% | 563 |
| Noninterest income to average assets | 0.5011% | 3,903 |
| Noninterest expense to average assets | 4.2001% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7479% | 3,636 |
| Return on assets (ROA) | 0.7479% | 3,871 |
| Pretax return on assets | 0.7479% | 4,617 |
| Return on Equity (ROE) | 7.1822% | 3,668 |
| Retained earnings to average equity (ytd only) | 7.1822% | 2,329 |
| Net charge-offs to loans | -0.0310% | 6,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8855% | 1,590 |
| Assets per employee ($millions) | 4.6513% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2071% | 1,865 |
| Loan loss allowance to noncurrent loans | 182.1873% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 2.0805% | 2,797 |
| Noncurrent loans to loans | 1.2115% | 4,308 |
| Net loans and leases to total assets | 75.7173% | 833 |
| Net loans and leases to deposits | 84.8458% | 1,554 |
| Net loans and leases to core deposits | 110.2402% | 527 |
| Total domestic deposits to total assets | 89.2411% | 1,522 |
| Equity capital to assets | 10.2583% | 3,781 |
| Core capital (leverage) ratio | 10.4019% | 2,874 |
| Tier 1 risk-based capital ratio | 11.5273% | 6,267 |
| Total risk-based capital ratio | 12.7857% | 6,239 |
| Memoranda: | ||
| Average total assets | $158,853,000 | 3,705 |
| Average earning assets | $147,205,000 | 3,679 |
| Average equity | $16,541,000 | 3,726 |
| Average total loans | $128,825,500 | 2,963 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 2,038 |
| Cost of funding earning assets | 0.5394% | 6,388 |
| Net interest margin | 4.6661% | 804 |
| Noninterest income to average assets | 0.1759% | 6,232 |
| Noninterest expense to average assets | 3.9512% | 1,113 |
| Loan and lease loss provision to assets | 0.1535% | 4,704 |
| Net operating income to assets | 0.3631% | 5,018 |
| Return on assets (ROA) | 0.3631% | 5,185 |
| Pretax return on assets | 0.3638% | 5,392 |
| Return on Equity (ROE) | 3.4447% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.4447% | 3,773 |
| Net charge-offs to loans | 0.0553% | 5,763 |
| Credit loss provision to net charge-offs | 347.7612% | 663 |
| Earnings coverage of net charge-offs (x) | 11.7164% | 1,690 |
| Efficiency ratio | 88.4235% | 1,326 |
| Assets per employee ($millions) | 4.6943% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 1,987 |
| Loan loss allowance to noncurrent loans | 154.7180% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 2.3568% | 2,564 |
| Noncurrent loans to loans | 1.3609% | 4,104 |
| Net loans and leases to total assets | 83.1665% | 266 |
| Net loans and leases to deposits | 93.5498% | 844 |
| Net loans and leases to core deposits | 119.9304% | 356 |
| Total domestic deposits to total assets | 88.9007% | 1,607 |
| Equity capital to assets | 10.5751% | 3,445 |
| Core capital (leverage) ratio | 10.1092% | 3,215 |
| Tier 1 risk-based capital ratio | 11.1752% | 6,362 |
| Total risk-based capital ratio | 12.4331% | 6,337 |
| Memoranda: | ||
| Average total assets | $151,750,400 | 3,769 |
| Average earning assets | $139,601,400 | 3,756 |
| Average equity | $15,995,800 | 3,729 |
| Average total loans | $121,100,400 | 3,157 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 2,398 |
| Cost of funding earning assets | 0.5687% | 6,434 |
| Net interest margin | 4.5794% | 985 |
| Noninterest income to average assets | 0.3966% | 4,693 |
| Noninterest expense to average assets | 3.9921% | 1,009 |
| Loan and lease loss provision to assets | 0.2058% | 3,960 |
| Net operating income to assets | 0.4010% | 4,997 |
| Return on assets (ROA) | 0.4010% | 5,181 |
| Pretax return on assets | 0.4019% | 5,464 |
| Return on Equity (ROE) | 3.8072% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.8072% | 4,022 |
| Net charge-offs to loans | 0.0844% | 5,129 |
| Credit loss provision to net charge-offs | 310.6667% | 911 |
| Earnings coverage of net charge-offs (x) | 9.1731% | 2,087 |
| Efficiency ratio | 86.7896% | 1,454 |
| Assets per employee ($millions) | 4.5511% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1875% | 1,887 |
| Loan loss allowance to noncurrent loans | 152.8761% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 2.4911% | 2,592 |
| Noncurrent loans to loans | 1.4309% | 4,144 |
| Net loans and leases to total assets | 77.5885% | 760 |
| Net loans and leases to deposits | 87.0236% | 1,552 |
| Net loans and leases to core deposits | 119.3138% | 407 |
| Total domestic deposits to total assets | 89.1581% | 1,326 |
| Equity capital to assets | 10.2129% | 4,063 |
| Core capital (leverage) ratio | 10.5397% | 2,821 |
| Tier 1 risk-based capital ratio | 11.3865% | 6,304 |
| Total risk-based capital ratio | 12.6451% | 6,298 |
| Memoranda: | ||
| Average total assets | $150,960,250 | 3,807 |
| Average earning assets | $138,558,750 | 3,793 |
| Average equity | $15,899,250 | 3,758 |
| Average total loans | $118,474,250 | 3,236 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1905% | 2,298 |
| Cost of funding earning assets | 0.6158% | 6,383 |
| Net interest margin | 4.5746% | 961 |
| Noninterest income to average assets | 0.4481% | 4,297 |
| Noninterest expense to average assets | 4.1610% | 860 |
| Loan and lease loss provision to assets | 0.1174% | 4,804 |
| Net operating income to assets | 0.3590% | 5,136 |
| Return on assets (ROA) | 0.3590% | 5,275 |
| Pretax return on assets | 0.3604% | 5,516 |
| Return on Equity (ROE) | 3.3721% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.3721% | 4,114 |
| Net charge-offs to loans | 0.0708% | 4,933 |
| Credit loss provision to net charge-offs | 212.1951% | 1,418 |
| Earnings coverage of net charge-offs (x) | 8.6341% | 2,031 |
| Efficiency ratio | 89.7003% | 1,262 |
| Assets per employee ($millions) | 4.4592% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3117% | 1,721 |
| Loan loss allowance to noncurrent loans | 142.8110% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 2.7298% | 2,449 |
| Noncurrent loans to loans | 1.6187% | 3,969 |
| Net loans and leases to total assets | 76.1578% | 1,054 |
| Net loans and leases to deposits | 85.9927% | 1,799 |
| Net loans and leases to core deposits | 115.2474% | 537 |
| Total domestic deposits to total assets | 88.5631% | 1,808 |
| Equity capital to assets | 10.8675% | 3,104 |
| Core capital (leverage) ratio | 10.7792% | 2,444 |
| Tier 1 risk-based capital ratio | 12.1528% | 5,665 |
| Total risk-based capital ratio | 13.4128% | 5,631 |
| Memoranda: | ||
| Average total assets | $148,184,000 | 3,881 |
| Average earning assets | $135,749,000 | 3,866 |
| Average equity | $15,776,330 | 3,770 |
| Average total loans | $115,847,670 | 3,320 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1893% | 2,260 |
| Cost of funding earning assets | 0.6611% | 6,342 |
| Net interest margin | 4.5282% | 1,007 |
| Noninterest income to average assets | 0.4681% | 4,131 |
| Noninterest expense to average assets | 4.2529% | 767 |
| Loan and lease loss provision to assets | 0.0592% | 5,262 |
| Net operating income to assets | 0.3174% | 5,319 |
| Return on assets (ROA) | 0.3174% | 5,397 |
| Pretax return on assets | 0.3201% | 5,596 |
| Return on Equity (ROE) | 3.0124% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.0124% | 4,358 |
| Net charge-offs to loans | 0.1615% | 3,515 |
| Credit loss provision to net charge-offs | 46.8085% | 3,822 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 2,881 |
| Efficiency ratio | 91.8118% | 1,179 |
| Assets per employee ($millions) | 4.7280% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2911% | 1,778 |
| Loan loss allowance to noncurrent loans | 222.9905% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 2.1924% | 3,076 |
| Noncurrent loans to loans | 1.0274% | 5,001 |
| Net loans and leases to total assets | 72.7252% | 1,570 |
| Net loans and leases to deposits | 81.6205% | 2,424 |
| Net loans and leases to core deposits | 106.7651% | 906 |
| Total domestic deposits to total assets | 89.1016% | 1,716 |
| Equity capital to assets | 10.3988% | 3,280 |
| Core capital (leverage) ratio | 10.4645% | 2,649 |
| Tier 1 risk-based capital ratio | 11.9437% | 5,743 |
| Total risk-based capital ratio | 13.2028% | 5,723 |
| Memoranda: | ||
| Average total assets | $148,698,500 | 3,899 |
| Average earning assets | $136,742,000 | 3,879 |
| Average equity | $15,668,500 | 3,785 |
| Average total loans | $116,410,500 | 3,330 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 3,293 |
| Cost of funding earning assets | 0.9340% | 6,014 |
| Net interest margin | 4.3319% | 1,705 |
| Noninterest income to average assets | 0.3021% | 5,636 |
| Noninterest expense to average assets | 4.1693% | 935 |
| Loan and lease loss provision to assets | 1.0151% | 1,602 |
| Net operating income to assets | -0.8818% | 6,621 |
| Return on assets (ROA) | -0.8818% | 6,646 |
| Pretax return on assets | -0.8811% | 6,564 |
| Return on Equity (ROE) | -8.1784% | 6,637 |
| Retained earnings to average equity (ytd only) | -8.1784% | 6,550 |
| Net charge-offs to loans | 1.5092% | 1,457 |
| Credit loss provision to net charge-offs | 83.7262% | 5,399 |
| Earnings coverage of net charge-offs (x) | 0.1105% | 6,009 |
| Efficiency ratio | 96.8854% | 931 |
| Assets per employee ($millions) | 4.5656% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1679% | 1,926 |
| Loan loss allowance to noncurrent loans | 41.6827% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 5.7577% | 1,053 |
| Noncurrent loans to loans | 5.2009% | 1,278 |
| Net loans and leases to total assets | 80.4956% | 596 |
| Net loans and leases to deposits | 91.5477% | 1,317 |
| Net loans and leases to core deposits | 120.5478% | 517 |
| Total domestic deposits to total assets | 87.9274% | 2,292 |
| Equity capital to assets | 10.6804% | 2,978 |
| Core capital (leverage) ratio | 10.2614% | 2,805 |
| Tier 1 risk-based capital ratio | 11.4482% | 5,952 |
| Total risk-based capital ratio | 12.7065% | 5,943 |
| Memoranda: | ||
| Average total assets | $146,977,600 | 3,929 |
| Average earning assets | $135,760,400 | 3,900 |
| Average equity | $15,846,600 | 3,799 |
| Average total loans | $118,077,800 | 3,357 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2493% | 3,581 |
| Cost of funding earning assets | 0.9684% | 6,086 |
| Net interest margin | 4.2809% | 1,911 |
| Noninterest income to average assets | 0.2437% | 6,147 |
| Noninterest expense to average assets | 4.2608% | 768 |
| Loan and lease loss provision to assets | 1.1993% | 1,194 |
| Net operating income to assets | -1.2572% | 7,004 |
| Return on assets (ROA) | -1.2572% | 7,035 |
| Pretax return on assets | -1.2563% | 6,960 |
| Return on Equity (ROE) | -11.6338% | 6,992 |
| Retained earnings to average equity (ytd only) | -11.6338% | 6,955 |
| Net charge-offs to loans | 0.7169% | 2,632 |
| Credit loss provision to net charge-offs | 209.4937% | 1,681 |
| Earnings coverage of net charge-offs (x) | -0.0997% | 6,108 |
| Efficiency ratio | 101.3575% | 703 |
| Assets per employee ($millions) | 4.6201% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0214% | 808 |
| Loan loss allowance to noncurrent loans | 52.0906% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 5.9346% | 1,011 |
| Noncurrent loans to loans | 5.8003% | 1,117 |
| Net loans and leases to total assets | 75.5357% | 1,486 |
| Net loans and leases to deposits | 85.8088% | 2,386 |
| Net loans and leases to core deposits | 112.9557% | 886 |
| Total domestic deposits to total assets | 88.0279% | 1,940 |
| Equity capital to assets | 10.1880% | 3,896 |
| Core capital (leverage) ratio | 10.5222% | 2,665 |
| Tier 1 risk-based capital ratio | 11.4751% | 5,960 |
| Total risk-based capital ratio | 12.7423% | 5,929 |
| Memoranda: | ||
| Average total assets | $147,197,000 | 3,977 |
| Average earning assets | $136,167,250 | 3,941 |
| Average equity | $15,907,250 | 3,826 |
| Average total loans | $117,544,750 | 3,412 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 3,460 |
| Cost of funding earning assets | 1.0244% | 6,035 |
| Net interest margin | 4.2787% | 1,858 |
| Noninterest income to average assets | 0.1293% | 6,946 |
| Noninterest expense to average assets | 4.3839% | 659 |
| Loan and lease loss provision to assets | 1.7010% | 738 |
| Net operating income to assets | -1.9884% | 7,302 |
| Return on assets (ROA) | -1.9884% | 7,306 |
| Pretax return on assets | -1.9871% | 7,233 |
| Return on Equity (ROE) | -18.0389% | 7,228 |
| Retained earnings to average equity (ytd only) | -18.0389% | 7,199 |
| Net charge-offs to loans | 0.9288% | 1,980 |
| Credit loss provision to net charge-offs | 227.3897% | 1,703 |
| Earnings coverage of net charge-offs (x) | -0.3824% | 5,972 |
| Efficiency ratio | 106.9799% | 608 |
| Assets per employee ($millions) | 4.2544% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1065% | 758 |
| Loan loss allowance to noncurrent loans | 225.1568% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 2.5130% | 2,873 |
| Noncurrent loans to loans | 1.3797% | 4,636 |
| Net loans and leases to total assets | 77.3882% | 1,215 |
| Net loans and leases to deposits | 88.6803% | 2,056 |
| Net loans and leases to core deposits | 121.8324% | 637 |
| Total domestic deposits to total assets | 87.2665% | 2,397 |
| Equity capital to assets | 10.6574% | 3,211 |
| Core capital (leverage) ratio | 10.6128% | 2,532 |
| Tier 1 risk-based capital ratio | 11.4148% | 5,856 |
| Total risk-based capital ratio | 12.6823% | 5,806 |
| Memoranda: | ||
| Average total assets | $145,441,670 | 4,039 |
| Average earning assets | $134,902,000 | 4,003 |
| Average equity | $16,032,000 | 3,795 |
| Average total loans | $117,142,330 | 3,459 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2317% | 3,871 |
| Cost of funding earning assets | 1.1051% | 5,883 |
| Net interest margin | 4.1266% | 2,332 |
| Noninterest income to average assets | 0.1234% | 7,066 |
| Noninterest expense to average assets | 4.3199% | 707 |
| Loan and lease loss provision to assets | 1.5552% | 748 |
| Net operating income to assets | -1.9035% | 7,441 |
| Return on assets (ROA) | -1.9035% | 7,443 |
| Pretax return on assets | -1.9007% | 7,386 |
| Return on Equity (ROE) | -16.9890% | 7,372 |
| Retained earnings to average equity (ytd only) | -16.9890% | 7,282 |
| Net charge-offs to loans | 2.4146% | 691 |
| Credit loss provision to net charge-offs | 79.6348% | 3,885 |
| Earnings coverage of net charge-offs (x) | -0.1770% | 5,154 |
| Efficiency ratio | 108.6957% | 629 |
| Assets per employee ($millions) | 4.3261% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3121% | 1,563 |
| Loan loss allowance to noncurrent loans | 63.8579% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 2.9289% | 2,447 |
| Noncurrent loans to loans | 3.6207% | 2,196 |
| Net loans and leases to total assets | 79.0221% | 977 |
| Net loans and leases to deposits | 89.0360% | 2,057 |
| Net loans and leases to core deposits | 125.9080% | 586 |
| Total domestic deposits to total assets | 88.7530% | 1,641 |
| Equity capital to assets | 10.8948% | 2,851 |
| Core capital (leverage) ratio | 11.0599% | 2,195 |
| Tier 1 risk-based capital ratio | 11.8802% | 5,316 |
| Total risk-based capital ratio | 13.1397% | 5,260 |
| Memoranda: | ||
| Average total assets | $145,837,500 | 4,097 |
| Average earning assets | $136,092,500 | 4,037 |
| Average equity | $16,340,000 | 3,772 |
| Average total loans | $117,948,000 | 3,497 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5470% | 3,894 |
| Cost of funding earning assets | 1.7071% | 4,467 |
| Net interest margin | 3.8400% | 3,530 |
| Noninterest income to average assets | 0.0871% | 7,324 |
| Noninterest expense to average assets | 4.2742% | 1,017 |
| Loan and lease loss provision to assets | 3.3534% | 474 |
| Net operating income to assets | -3.9354% | 7,593 |
| Return on assets (ROA) | -3.9354% | 7,595 |
| Pretax return on assets | -3.9346% | 7,511 |
| Return on Equity (ROE) | -31.5672% | 7,430 |
| Retained earnings to average equity (ytd only) | -31.5672% | 7,414 |
| Net charge-offs to loans | 3.1854% | 645 |
| Credit loss provision to net charge-offs | 121.3498% | 4,386 |
| Earnings coverage of net charge-offs (x) | -0.2103% | 6,459 |
| Efficiency ratio | 115.7398% | 675 |
| Assets per employee ($millions) | 4.5183% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4771% | 1,261 |
| Loan loss allowance to noncurrent loans | 48.8282% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 4.1020% | 1,607 |
| Noncurrent loans to loans | 5.0730% | 1,325 |
| Net loans and leases to total assets | 78.8570% | 1,213 |
| Net loans and leases to deposits | 89.4869% | 2,305 |
| Net loans and leases to core deposits | 146.1269% | 607 |
| Total domestic deposits to total assets | 88.1213% | 1,914 |
| Equity capital to assets | 11.5190% | 2,303 |
| Core capital (leverage) ratio | 11.7206% | 1,803 |
| Tier 1 risk-based capital ratio | 12.1387% | 4,825 |
| Total risk-based capital ratio | 13.3994% | 4,778 |
| Memoranda: | ||
| Average total assets | $137,802,000 | 4,170 |
| Average earning assets | $129,402,400 | 4,099 |
| Average equity | $17,179,200 | 3,640 |
| Average total loans | $119,544,200 | 3,497 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 3,870 |
| Cost of funding earning assets | 1.8382% | 4,206 |
| Net interest margin | 3.7608% | 3,813 |
| Noninterest income to average assets | 0.0862% | 7,463 |
| Noninterest expense to average assets | 4.3044% | 909 |
| Loan and lease loss provision to assets | 4.1457% | 273 |
| Net operating income to assets | -4.8275% | 7,825 |
| Return on assets (ROA) | -4.8275% | 7,824 |
| Pretax return on assets | -4.8265% | 7,791 |
| Return on Equity (ROE) | -37.9573% | 7,734 |
| Retained earnings to average equity (ytd only) | -37.9573% | 7,727 |
| Net charge-offs to loans | 3.7835% | 385 |
| Credit loss provision to net charge-offs | 124.0692% | 4,066 |
| Earnings coverage of net charge-offs (x) | -0.2038% | 6,291 |
| Efficiency ratio | 118.7889% | 605 |
| Assets per employee ($millions) | 4.3846% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3942% | 1,174 |
| Loan loss allowance to noncurrent loans | 41.5451% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 4.9819% | 1,178 |
| Noncurrent loans to loans | 5.7629% | 1,060 |
| Net loans and leases to total assets | 84.3785% | 497 |
| Net loans and leases to deposits | 95.0786% | 1,699 |
| Net loans and leases to core deposits | 157.7594% | 421 |
| Total domestic deposits to total assets | 88.7461% | 1,317 |
| Equity capital to assets | 10.8569% | 3,158 |
| Core capital (leverage) ratio | 10.5111% | 2,784 |
| Tier 1 risk-based capital ratio | 11.3010% | 5,636 |
| Total risk-based capital ratio | 12.5623% | 5,571 |
| Memoranda: | ||
| Average total assets | $136,105,750 | 4,234 |
| Average earning assets | $128,020,250 | 4,149 |
| Average equity | $17,310,250 | 3,645 |
| Average total loans | $120,202,000 | 3,505 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5870% | 4,138 |
| Cost of funding earning assets | 1.9213% | 4,156 |
| Net interest margin | 3.6657% | 4,096 |
| Noninterest income to average assets | 0.0817% | 7,567 |
| Noninterest expense to average assets | 4.3636% | 887 |
| Loan and lease loss provision to assets | 6.1571% | 126 |
| Net operating income to assets | -6.9930% | 8,056 |
| Return on assets (ROA) | -6.9930% | 8,045 |
| Pretax return on assets | -6.9916% | 8,029 |
| Return on Equity (ROE) | -52.3256% | 7,929 |
| Retained earnings to average equity (ytd only) | -52.3256% | 7,925 |
| Net charge-offs to loans | 5.3973% | 217 |
| Credit loss provision to net charge-offs | 128.2313% | 3,626 |
| Earnings coverage of net charge-offs (x) | -0.1738% | 5,862 |
| Efficiency ratio | 123.6432% | 607 |
| Assets per employee ($millions) | 4.3446% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4173% | 973 |
| Loan loss allowance to noncurrent loans | 45.2910% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 4.7581% | 1,161 |
| Noncurrent loans to loans | 5.3372% | 1,110 |
| Net loans and leases to total assets | 86.9939% | 299 |
| Net loans and leases to deposits | 98.2654% | 1,486 |
| Net loans and leases to core deposits | 171.3782% | 309 |
| Total domestic deposits to total assets | 88.5296% | 1,517 |
| Equity capital to assets | 11.0266% | 2,897 |
| Core capital (leverage) ratio | 11.0513% | 2,365 |
| Tier 1 risk-based capital ratio | 11.3971% | 5,501 |
| Total risk-based capital ratio | 12.6595% | 5,399 |
| Memoranda: | ||
| Average total assets | $134,705,330 | 4,289 |
| Average earning assets | $126,687,000 | 4,212 |
| Average equity | $18,002,670 | 3,548 |
| Average total loans | $119,838,330 | 3,537 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6390% | 4,114 |
| Cost of funding earning assets | 2.0424% | 3,911 |
| Net interest margin | 3.5966% | 4,328 |
| Noninterest income to average assets | 0.0845% | 7,632 |
| Noninterest expense to average assets | 4.4966% | 710 |
| Loan and lease loss provision to assets | 2.1095% | 563 |
| Net operating income to assets | -3.1446% | 7,864 |
| Return on assets (ROA) | -3.1446% | 7,868 |
| Pretax return on assets | -3.1416% | 7,785 |
| Return on Equity (ROE) | -21.5523% | 7,787 |
| Retained earnings to average equity (ytd only) | -21.5523% | 7,691 |
| Net charge-offs to loans | 4.1838% | 287 |
| Credit loss provision to net charge-offs | 56.7370% | 4,574 |
| Earnings coverage of net charge-offs (x) | -0.2776% | 5,172 |
| Efficiency ratio | 129.7909% | 507 |
| Assets per employee ($millions) | 4.3261% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 4,210 |
| Loan loss allowance to noncurrent loans | 58.2269% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.9850% | 2,930 |
| Noncurrent loans to loans | 2.1971% | 2,982 |
| Net loans and leases to total assets | 89.1894% | 182 |
| Net loans and leases to deposits | 107.1121% | 780 |
| Net loans and leases to core deposits | 208.8363% | 119 |
| Total domestic deposits to total assets | 83.2673% | 4,008 |
| Equity capital to assets | 14.0766% | 1,341 |
| Core capital (leverage) ratio | 14.1004% | 1,167 |
| Tier 1 risk-based capital ratio | 14.1914% | 3,480 |
| Total risk-based capital ratio | 15.3702% | 3,446 |
| Memoranda: | ||
| Average total assets | $132,544,500 | 4,362 |
| Average earning assets | $124,560,500 | 4,276 |
| Average equity | $19,339,000 | 3,371 |
| Average total loans | $117,787,000 | 3,607 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7646% | 6,541 |
| Cost of funding earning assets | 2.3223% | 5,051 |
| Net interest margin | 3.4422% | 5,498 |
| Noninterest income to average assets | 0.0964% | 7,650 |
| Noninterest expense to average assets | 5.8492% | 428 |
| Loan and lease loss provision to assets | 1.3535% | 1,040 |
| Net operating income to assets | -3.9154% | 7,974 |
| Return on assets (ROA) | -3.9154% | 7,957 |
| Pretax return on assets | -3.9144% | 7,879 |
| Return on Equity (ROE) | -18.2989% | 7,722 |
| Retained earnings to average equity (ytd only) | -18.2989% | 7,631 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.8785% | 254 |
| Assets per employee ($millions) | 4.3660% | 2,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 1,583 |
| Loan loss allowance to noncurrent loans | 53.4926% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.9730% | 1,553 |
| Noncurrent loans to loans | 3.4035% | 1,504 |
| Net loans and leases to total assets | 85.7612% | 627 |
| Net loans and leases to deposits | 101.6294% | 1,622 |
| Net loans and leases to core deposits | 158.5350% | 608 |
| Total domestic deposits to total assets | 84.3862% | 3,136 |
| Equity capital to assets | 15.1168% | 1,132 |
| Core capital (leverage) ratio | 17.5964% | 642 |
| Tier 1 risk-based capital ratio | 15.2345% | 2,941 |
| Total risk-based capital ratio | 16.4887% | 2,872 |
| Memoranda: | ||
| Average total assets | $100,629,200 | 5,028 |
| Average earning assets | $93,311,600 | 4,992 |
| Average equity | $21,531,400 | 3,037 |
| Average total loans | $84,012,400 | 4,396 |