Home > Presence Bank > Performance and Condition Ratios
Presence 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 | 5.0747% | 1,907 |
| Cost of funding earning assets | 2.0305% | 880 |
| Net interest margin | 3.0442% | 3,192 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.2536% | 2,973 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.5419% | 3,585 |
| Return on assets (ROA) | 0.5440% | 3,567 |
| Pretax return on assets | 0.6974% | 3,444 |
| Return on Equity (ROE) | 5.8500% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.8469% | 2,307 |
| Net charge-offs to loans | 0.0392% | 1,526 |
| Credit loss provision to net charge-offs | 515.2000% | 651 |
| Earnings coverage of net charge-offs (x) | 27.3760% | 1,683 |
| Efficiency ratio | 72.5647% | 1,606 |
| Assets per employee ($millions) | 12.0588% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,444 |
| Loan loss allowance to noncurrent loans | 317.2293% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 1,636 |
| Noncurrent loans to loans | 0.4363% | 1,688 |
| Net loans and leases to total assets | 74.0300% | 1,361 |
| Net loans and leases to deposits | 96.5210% | 742 |
| Net loans and leases to core deposits | 109.3445% | 980 |
| Total domestic deposits to total assets | 76.7000% | 3,872 |
| Equity capital to assets | 8.9662% | 2,697 |
| Core capital (leverage) ratio | 9.7835% | 2,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2045% | 1,801 |
| Memoranda: | ||
| Average total assets | $401,624,800 | 2,007 |
| Average earning assets | $384,298,600 | 1,965 |
| Average equity | $37,370,400 | 1,961 |
| Average total loans | $319,015,200 | 1,724 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0696% | 1,694 |
| Cost of funding earning assets | 1.8591% | 918 |
| Net interest margin | 3.2105% | 2,893 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.3129% | 2,747 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.6028% | 3,539 |
| Return on assets (ROA) | 0.5963% | 3,540 |
| Pretax return on assets | 0.7614% | 3,421 |
| Return on Equity (ROE) | 6.3500% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.3453% | 2,522 |
| Net charge-offs to loans | 0.0525% | 1,153 |
| Credit loss provision to net charge-offs | 480.8000% | 653 |
| Earnings coverage of net charge-offs (x) | 22.7280% | 1,754 |
| Efficiency ratio | 70.6114% | 1,722 |
| Assets per employee ($millions) | 11.1947% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 1,635 |
| Loan loss allowance to noncurrent loans | 548.8943% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 2,260 |
| Noncurrent loans to loans | 0.2468% | 2,355 |
| Net loans and leases to total assets | 80.7300% | 567 |
| Net loans and leases to deposits | 106.1428% | 289 |
| Net loans and leases to core deposits | 119.1566% | 574 |
| Total domestic deposits to total assets | 76.0600% | 4,006 |
| Equity capital to assets | 9.3886% | 2,170 |
| Core capital (leverage) ratio | 9.7387% | 3,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3096% | 2,156 |
| Memoranda: | ||
| Average total assets | $393,501,500 | 2,032 |
| Average earning assets | $376,297,000 | 1,988 |
| Average equity | $36,982,000 | 1,963 |
| Average total loans | $317,295,750 | 1,729 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 1,641 |
| Cost of funding earning assets | 1.6866% | 899 |
| Net interest margin | 3.2678% | 2,828 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.3493% | 2,655 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 0.5944% | 3,583 |
| Return on assets (ROA) | 0.5944% | 3,591 |
| Pretax return on assets | 0.7594% | 3,489 |
| Return on Equity (ROE) | 6.3200% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.3220% | 2,507 |
| Net charge-offs to loans | 0.0811% | 780 |
| Credit loss provision to net charge-offs | 353.5433% | 785 |
| Earnings coverage of net charge-offs (x) | 15.0551% | 1,863 |
| Efficiency ratio | 70.5710% | 1,713 |
| Assets per employee ($millions) | 11.6049% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 1,747 |
| Loan loss allowance to noncurrent loans | 507.5294% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 2,149 |
| Noncurrent loans to loans | 0.2643% | 2,213 |
| Net loans and leases to total assets | 78.1200% | 819 |
| Net loans and leases to deposits | 101.6710% | 446 |
| Net loans and leases to core deposits | 114.4530% | 673 |
| Total domestic deposits to total assets | 76.8400% | 3,966 |
| Equity capital to assets | 9.1678% | 2,396 |
| Core capital (leverage) ratio | 9.8380% | 2,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2739% | 2,183 |
| Memoranda: | ||
| Average total assets | $390,332,000 | 2,039 |
| Average earning assets | $373,406,333 | 1,998 |
| Average equity | $36,697,000 | 1,990 |
| Average total loans | $313,121,667 | 1,733 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,877 |
| Cost of funding earning assets | 1.4472% | 944 |
| Net interest margin | 3.2430% | 3,009 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 2.3964% | 2,544 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.4974% | 3,908 |
| Return on assets (ROA) | 0.5073% | 3,843 |
| Pretax return on assets | 0.6600% | 3,739 |
| Return on Equity (ROE) | 5.3300% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.3257% | 2,947 |
| Net charge-offs to loans | 0.0764% | 689 |
| Credit loss provision to net charge-offs | 266.1017% | 732 |
| Earnings coverage of net charge-offs (x) | 13.5932% | 1,583 |
| Efficiency ratio | 74.0705% | 1,331 |
| Assets per employee ($millions) | 10.1539% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,001 |
| Loan loss allowance to noncurrent loans | 496.3592% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,069 |
| Noncurrent loans to loans | 0.2633% | 2,203 |
| Net loans and leases to total assets | 80.0300% | 538 |
| Net loans and leases to deposits | 104.5258% | 293 |
| Net loans and leases to core deposits | 117.6864% | 495 |
| Total domestic deposits to total assets | 76.5700% | 4,118 |
| Equity capital to assets | 9.5372% | 2,112 |
| Core capital (leverage) ratio | 10.0612% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3532% | 2,242 |
| Memoranda: | ||
| Average total assets | $382,412,500 | 2,093 |
| Average earning assets | $365,960,000 | 2,052 |
| Average equity | $36,427,000 | 2,027 |
| Average total loans | $308,872,500 | 1,763 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 1,831 |
| Cost of funding earning assets | 0.8795% | 275 |
| Net interest margin | 3.0788% | 3,232 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.2646% | 2,851 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 0.6192% | 3,833 |
| Return on assets (ROA) | 0.5973% | 3,846 |
| Pretax return on assets | 0.7477% | 3,749 |
| Return on Equity (ROE) | 6.1300% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.1320% | 2,597 |
| Net charge-offs to loans | 0.1230% | 630 |
| Credit loss provision to net charge-offs | 339.9433% | 850 |
| Earnings coverage of net charge-offs (x) | 11.3258% | 2,154 |
| Efficiency ratio | 67.1541% | 2,068 |
| Assets per employee ($millions) | 10.8279% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 1,853 |
| Loan loss allowance to noncurrent loans | 380.1905% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 1,770 |
| Noncurrent loans to loans | 0.3444% | 1,910 |
| Net loans and leases to total assets | 79.3900% | 658 |
| Net loans and leases to deposits | 103.9241% | 303 |
| Net loans and leases to core deposits | 113.4506% | 500 |
| Total domestic deposits to total assets | 76.3900% | 4,234 |
| Equity capital to assets | 9.5138% | 1,996 |
| Core capital (leverage) ratio | 9.9961% | 2,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $360,954,200 | 2,179 |
| Average earning assets | $346,109,800 | 2,124 |
| Average equity | $35,159,600 | 2,102 |
| Average total loans | $287,069,600 | 1,780 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7285% | 1,958 |
| Cost of funding earning assets | 0.7550% | 194 |
| Net interest margin | 2.9735% | 3,287 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.2727% | 2,711 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.4302% | 4,192 |
| Return on assets (ROA) | 0.3999% | 4,189 |
| Pretax return on assets | 0.4937% | 4,161 |
| Return on Equity (ROE) | 4.0800% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.0798% | 3,413 |
| Net charge-offs to loans | -0.0014% | 3,218 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.6896% | 1,211 |
| Assets per employee ($millions) | 10.2660% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,316 |
| Loan loss allowance to noncurrent loans | 281.9806% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 1,485 |
| Noncurrent loans to loans | 0.4401% | 1,705 |
| Net loans and leases to total assets | 81.5500% | 405 |
| Net loans and leases to deposits | 104.0580% | 239 |
| Net loans and leases to core deposits | 110.1869% | 463 |
| Total domestic deposits to total assets | 78.3700% | 4,230 |
| Equity capital to assets | 9.4007% | 1,949 |
| Core capital (leverage) ratio | 9.7282% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $356,448,500 | 2,209 |
| Average earning assets | $341,895,750 | 2,159 |
| Average equity | $34,935,750 | 2,143 |
| Average total loans | $282,625,250 | 1,796 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5049% | 2,129 |
| Cost of funding earning assets | 0.7356% | 131 |
| Net interest margin | 2.7694% | 3,529 |
| Noninterest income to average assets | 0.1909% | 4,047 |
| Noninterest expense to average assets | 2.1899% | 2,895 |
| Loan and lease loss provision to assets | 0.1664% | 554 |
| Net operating income to assets | 0.3978% | 4,110 |
| Return on assets (ROA) | 0.3670% | 4,130 |
| Pretax return on assets | 0.4527% | 4,078 |
| Return on Equity (ROE) | 3.6914% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.6914% | 3,206 |
| Net charge-offs to loans | -0.0007% | 3,013 |
| Credit loss provision to net charge-offs | -29,300.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9154% | 1,183 |
| Assets per employee ($millions) | 11.0968% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,869 |
| Loan loss allowance to noncurrent loans | 211.8916% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4179% | 1,354 |
| Noncurrent loans to loans | 0.5499% | 1,516 |
| Net loans and leases to total assets | 75.1000% | 813 |
| Net loans and leases to deposits | 94.3909% | 499 |
| Net loans and leases to core deposits | 98.1661% | 753 |
| Total domestic deposits to total assets | 79.5628% | 4,261 |
| Equity capital to assets | 8.9547% | 2,408 |
| Core capital (leverage) ratio | 9.7449% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $352,072,333 | 2,245 |
| Average earning assets | $337,694,000 | 2,192 |
| Average equity | $35,000,000 | 2,199 |
| Average total loans | $275,111,000 | 1,828 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4744% | 1,887 |
| Cost of funding earning assets | 0.7296% | 130 |
| Net interest margin | 2.7448% | 3,299 |
| Noninterest income to average assets | 0.1941% | 3,997 |
| Noninterest expense to average assets | 2.2533% | 2,673 |
| Loan and lease loss provision to assets | 0.1078% | 779 |
| Net operating income to assets | 0.3778% | 4,001 |
| Return on assets (ROA) | 0.3390% | 4,044 |
| Pretax return on assets | 0.4169% | 4,007 |
| Return on Equity (ROE) | 3.2241% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.2241% | 3,188 |
| Net charge-offs to loans | -0.0015% | 3,066 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7372% | 1,172 |
| Assets per employee ($millions) | 10.6077% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 3,029 |
| Loan loss allowance to noncurrent loans | 192.1615% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 1,306 |
| Noncurrent loans to loans | 0.6060% | 1,546 |
| Net loans and leases to total assets | 76.1478% | 497 |
| Net loans and leases to deposits | 95.9890% | 280 |
| Net loans and leases to core deposits | 99.8172% | 520 |
| Total domestic deposits to total assets | 79.3297% | 4,329 |
| Equity capital to assets | 9.6558% | 2,173 |
| Core capital (leverage) ratio | 10.6902% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,914,000 | 2,325 |
| Average earning assets | $320,167,000 | 2,284 |
| Average equity | $35,110,500 | 2,248 |
| Average total loans | $265,107,000 | 1,862 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4633% | 2,764 |
| Cost of funding earning assets | 0.7717% | 232 |
| Net interest margin | 2.6917% | 3,887 |
| Noninterest income to average assets | 0.2686% | 3,779 |
| Noninterest expense to average assets | 2.4102% | 2,459 |
| Loan and lease loss provision to assets | 0.0946% | 1,324 |
| Net operating income to assets | 0.2790% | 4,449 |
| Return on assets (ROA) | 0.2722% | 4,477 |
| Pretax return on assets | 0.3319% | 4,458 |
| Return on Equity (ROE) | 3.0303% | 4,357 |
| Retained earnings to average equity (ytd only) | 3.0303% | 3,622 |
| Net charge-offs to loans | -0.0023% | 3,386 |
| Credit loss provision to net charge-offs | -5,740.0000% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7196% | 535 |
| Assets per employee ($millions) | 8.5324% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,638 |
| Loan loss allowance to noncurrent loans | 190.2601% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5381% | 1,235 |
| Noncurrent loans to loans | 0.6551% | 1,525 |
| Net loans and leases to total assets | 81.1277% | 218 |
| Net loans and leases to deposits | 99.2291% | 211 |
| Net loans and leases to core deposits | 104.0919% | 408 |
| Total domestic deposits to total assets | 81.7580% | 4,001 |
| Equity capital to assets | 11.5234% | 1,501 |
| Core capital (leverage) ratio | 11.6547% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,418,600 | 2,421 |
| Average earning assets | $290,415,800 | 2,375 |
| Average equity | $27,258,200 | 2,703 |
| Average total loans | $219,288,800 | 2,105 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3927% | 3,123 |
| Cost of funding earning assets | 0.7674% | 286 |
| Net interest margin | 2.6252% | 4,096 |
| Noninterest income to average assets | 0.2398% | 3,965 |
| Noninterest expense to average assets | 2.3428% | 2,624 |
| Loan and lease loss provision to assets | 0.0975% | 1,226 |
| Net operating income to assets | 0.2565% | 4,572 |
| Return on assets (ROA) | 0.2543% | 4,595 |
| Pretax return on assets | 0.3090% | 4,582 |
| Return on Equity (ROE) | 3.0500% | 4,459 |
| Retained earnings to average equity (ytd only) | 3.0500% | 3,892 |
| Net charge-offs to loans | -0.0019% | 3,206 |
| Credit loss provision to net charge-offs | -7,366.6667% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1354% | 471 |
| Assets per employee ($millions) | 7.8183% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3435% | 2,260 |
| Loan loss allowance to noncurrent loans | 181.5339% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 1,384 |
| Noncurrent loans to loans | 0.7401% | 1,513 |
| Net loans and leases to total assets | 74.1022% | 685 |
| Net loans and leases to deposits | 90.9072% | 552 |
| Net loans and leases to core deposits | 95.0356% | 789 |
| Total domestic deposits to total assets | 81.5141% | 4,013 |
| Equity capital to assets | 11.5091% | 1,669 |
| Core capital (leverage) ratio | 11.1723% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,482,000 | 2,450 |
| Average earning assets | $289,440,000 | 2,405 |
| Average equity | $25,223,750 | 2,864 |
| Average total loans | $211,025,750 | 2,195 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2688% | 3,510 |
| Cost of funding earning assets | 0.7808% | 317 |
| Net interest margin | 2.4880% | 4,325 |
| Noninterest income to average assets | 0.2420% | 3,949 |
| Noninterest expense to average assets | 2.2587% | 2,888 |
| Loan and lease loss provision to assets | 0.0915% | 1,369 |
| Net operating income to assets | 0.2265% | 4,607 |
| Return on assets (ROA) | 0.2188% | 4,630 |
| Pretax return on assets | 0.2632% | 4,621 |
| Return on Equity (ROE) | 3.0090% | 4,475 |
| Retained earnings to average equity (ytd only) | 3.0090% | 3,835 |
| Net charge-offs to loans | -0.0020% | 3,197 |
| Credit loss provision to net charge-offs | -6,900.0000% | 4,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1223% | 470 |
| Assets per employee ($millions) | 9.4223% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,270 |
| Loan loss allowance to noncurrent loans | 161.0005% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 1,559 |
| Noncurrent loans to loans | 0.8284% | 1,479 |
| Net loans and leases to total assets | 63.5077% | 2,010 |
| Net loans and leases to deposits | 72.1483% | 2,191 |
| Net loans and leases to core deposits | 74.7698% | 2,352 |
| Total domestic deposits to total assets | 88.0238% | 1,807 |
| Equity capital to assets | 6.3174% | 4,905 |
| Core capital (leverage) ratio | 7.4939% | 4,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,671,333 | 2,449 |
| Average earning assets | $288,666,000 | 2,408 |
| Average equity | $21,934,000 | 3,095 |
| Average total loans | $205,026,000 | 2,242 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3778% | 3,261 |
| Cost of funding earning assets | 0.8678% | 262 |
| Net interest margin | 2.5100% | 4,283 |
| Noninterest income to average assets | 0.2416% | 3,949 |
| Noninterest expense to average assets | 2.4386% | 2,361 |
| Loan and lease loss provision to assets | 0.0992% | 1,360 |
| Net operating income to assets | 0.0936% | 4,718 |
| Return on assets (ROA) | 0.0733% | 4,742 |
| Pretax return on assets | 0.0776% | 4,742 |
| Return on Equity (ROE) | 0.9320% | 4,718 |
| Retained earnings to average equity (ytd only) | 0.9320% | 4,229 |
| Net charge-offs to loans | -0.0020% | 3,142 |
| Credit loss provision to net charge-offs | -6,900.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4755% | 314 |
| Assets per employee ($millions) | 7.2068% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,782 |
| Loan loss allowance to noncurrent loans | 124.6908% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 1,065 |
| Noncurrent loans to loans | 1.1621% | 1,143 |
| Net loans and leases to total assets | 70.7517% | 1,184 |
| Net loans and leases to deposits | 82.4840% | 1,303 |
| Net loans and leases to core deposits | 86.7406% | 1,471 |
| Total domestic deposits to total assets | 85.7763% | 2,821 |
| Equity capital to assets | 7.7594% | 4,611 |
| Core capital (leverage) ratio | 7.9420% | 4,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,195,000 | 2,552 |
| Average earning assets | $265,495,000 | 2,515 |
| Average equity | $21,889,000 | 3,084 |
| Average total loans | $195,341,000 | 2,314 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 3,257 |
| Cost of funding earning assets | 1.0228% | 544 |
| Net interest margin | 2.7908% | 4,277 |
| Noninterest income to average assets | 0.2611% | 3,915 |
| Noninterest expense to average assets | 2.8583% | 1,794 |
| Loan and lease loss provision to assets | 0.3062% | 1,227 |
| Net operating income to assets | -0.1729% | 4,811 |
| Return on assets (ROA) | -0.1672% | 4,826 |
| Pretax return on assets | -0.2236% | 4,827 |
| Return on Equity (ROE) | -1.8553% | 4,845 |
| Retained earnings to average equity (ytd only) | -1.8553% | 4,696 |
| Net charge-offs to loans | -0.1403% | 4,860 |
| Credit loss provision to net charge-offs | -299.2126% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4317% | 214 |
| Assets per employee ($millions) | 6.7152% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 1,543 |
| Loan loss allowance to noncurrent loans | 101.3854% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 925 |
| Noncurrent loans to loans | 1.4902% | 894 |
| Net loans and leases to total assets | 67.5731% | 1,878 |
| Net loans and leases to deposits | 80.3942% | 1,819 |
| Net loans and leases to core deposits | 84.7875% | 1,963 |
| Total domestic deposits to total assets | 84.0522% | 3,092 |
| Equity capital to assets | 7.9793% | 4,716 |
| Core capital (leverage) ratio | 8.1527% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6697% | 2,378 |
| Memoranda: | ||
| Average total assets | $248,192,000 | 2,590 |
| Average earning assets | $237,672,600 | 2,540 |
| Average equity | $22,368,800 | 2,981 |
| Average total loans | $180,979,400 | 2,405 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,122 |
| Cost of funding earning assets | 1.0436% | 652 |
| Net interest margin | 2.9033% | 4,178 |
| Noninterest income to average assets | 0.2612% | 3,909 |
| Noninterest expense to average assets | 2.6323% | 2,441 |
| Loan and lease loss provision to assets | 0.3430% | 1,114 |
| Net operating income to assets | 0.0627% | 4,732 |
| Return on assets (ROA) | 0.0729% | 4,750 |
| Pretax return on assets | 0.0795% | 4,743 |
| Return on Equity (ROE) | 0.7833% | 4,726 |
| Retained earnings to average equity (ytd only) | 0.7833% | 4,314 |
| Net charge-offs to loans | -0.1877% | 4,919 |
| Credit loss provision to net charge-offs | -246.4286% | 3,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4816% | 478 |
| Assets per employee ($millions) | 6.4575% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,334 |
| Loan loss allowance to noncurrent loans | 88.4540% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.1870% | 854 |
| Noncurrent loans to loans | 1.7151% | 794 |
| Net loans and leases to total assets | 68.1565% | 2,222 |
| Net loans and leases to deposits | 82.2021% | 2,075 |
| Net loans and leases to core deposits | 85.3501% | 2,357 |
| Total domestic deposits to total assets | 82.9133% | 3,164 |
| Equity capital to assets | 8.7371% | 4,300 |
| Core capital (leverage) ratio | 8.6957% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9813% | 1,836 |
| Memoranda: | ||
| Average total assets | $241,409,000 | 2,615 |
| Average earning assets | $231,366,750 | 2,566 |
| Average equity | $22,468,750 | 2,978 |
| Average total loans | $178,999,500 | 2,418 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 3,241 |
| Cost of funding earning assets | 1.0753% | 780 |
| Net interest margin | 2.9586% | 4,212 |
| Noninterest income to average assets | 0.2596% | 3,922 |
| Noninterest expense to average assets | 2.5889% | 2,701 |
| Loan and lease loss provision to assets | 0.4648% | 816 |
| Net operating income to assets | 0.0404% | 4,737 |
| Return on assets (ROA) | 0.0568% | 4,750 |
| Pretax return on assets | 0.0585% | 4,752 |
| Return on Equity (ROE) | 0.5973% | 4,738 |
| Retained earnings to average equity (ytd only) | 0.5973% | 4,189 |
| Net charge-offs to loans | -0.2792% | 4,975 |
| Credit loss provision to net charge-offs | -219.2000% | 3,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6394% | 661 |
| Assets per employee ($millions) | 6.9302% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 1,396 |
| Loan loss allowance to noncurrent loans | 84.9275% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.2109% | 898 |
| Noncurrent loans to loans | 1.7113% | 844 |
| Net loans and leases to total assets | 69.7300% | 2,072 |
| Net loans and leases to deposits | 84.9963% | 1,886 |
| Net loans and leases to core deposits | 88.0766% | 2,240 |
| Total domestic deposits to total assets | 82.0390% | 3,358 |
| Equity capital to assets | 8.8002% | 4,262 |
| Core capital (leverage) ratio | 9.0014% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1069% | 1,765 |
| Memoranda: | ||
| Average total assets | $235,778,333 | 2,634 |
| Average earning assets | $225,985,667 | 2,581 |
| Average equity | $22,435,667 | 2,970 |
| Average total loans | $179,079,000 | 2,413 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2528% | 3,060 |
| Cost of funding earning assets | 1.1133% | 1,009 |
| Net interest margin | 3.1395% | 4,010 |
| Noninterest income to average assets | 0.3158% | 3,625 |
| Noninterest expense to average assets | 2.6967% | 2,712 |
| Loan and lease loss provision to assets | 0.6369% | 425 |
| Net operating income to assets | -0.0071% | 4,755 |
| Return on assets (ROA) | 0.0160% | 4,723 |
| Pretax return on assets | 0.0071% | 4,728 |
| Return on Equity (ROE) | 0.1609% | 4,724 |
| Retained earnings to average equity (ytd only) | 0.1609% | 3,953 |
| Net charge-offs to loans | -0.0090% | 4,038 |
| Credit loss provision to net charge-offs | -8,975.0000% | 3,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2834% | 1,018 |
| Assets per employee ($millions) | 6.5009% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 2,646 |
| Loan loss allowance to noncurrent loans | 70.9179% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 871 |
| Noncurrent loans to loans | 1.6991% | 893 |
| Net loans and leases to total assets | 77.1435% | 1,107 |
| Net loans and leases to deposits | 96.2557% | 885 |
| Net loans and leases to core deposits | 100.1792% | 1,454 |
| Total domestic deposits to total assets | 80.1443% | 3,831 |
| Equity capital to assets | 9.6307% | 4,103 |
| Core capital (leverage) ratio | 10.0907% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3320% | 1,805 |
| Memoranda: | ||
| Average total assets | $225,459,500 | 2,670 |
| Average earning assets | $215,576,000 | 2,610 |
| Average equity | $22,371,000 | 2,969 |
| Average total loans | $177,900,500 | 2,382 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 2,944 |
| Cost of funding earning assets | 1.1774% | 1,080 |
| Net interest margin | 3.3224% | 3,939 |
| Noninterest income to average assets | 0.2966% | 3,906 |
| Noninterest expense to average assets | 2.7243% | 2,820 |
| Loan and lease loss provision to assets | 0.3195% | 502 |
| Net operating income to assets | 0.3496% | 4,679 |
| Return on assets (ROA) | 0.3571% | 4,697 |
| Pretax return on assets | 0.4364% | 4,655 |
| Return on Equity (ROE) | 3.5747% | 4,561 |
| Retained earnings to average equity (ytd only) | 3.5747% | 3,214 |
| Net charge-offs to loans | 0.2725% | 764 |
| Credit loss provision to net charge-offs | 147.0464% | 1,751 |
| Earnings coverage of net charge-offs (x) | 3.4367% | 3,323 |
| Efficiency ratio | 78.4865% | 1,097 |
| Assets per employee ($millions) | 5.4221% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,154 |
| Loan loss allowance to noncurrent loans | 56.9174% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.4897% | 681 |
| Noncurrent loans to loans | 1.8670% | 712 |
| Net loans and leases to total assets | 78.9441% | 943 |
| Net loans and leases to deposits | 101.8918% | 476 |
| Net loans and leases to core deposits | 107.0916% | 1,039 |
| Total domestic deposits to total assets | 77.4784% | 4,434 |
| Equity capital to assets | 10.2372% | 3,689 |
| Core capital (leverage) ratio | 10.1908% | 3,309 |
| Tier 1 risk-based capital ratio | 14.9387% | 2,807 |
| Total risk-based capital ratio | 16.1709% | 2,754 |
| Memoranda: | ||
| Average total assets | $218,146,800 | 2,678 |
| Average earning assets | $208,430,800 | 2,621 |
| Average equity | $21,792,000 | 2,980 |
| Average total loans | $173,927,200 | 2,381 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4871% | 3,096 |
| Cost of funding earning assets | 1.1742% | 1,099 |
| Net interest margin | 3.3129% | 4,072 |
| Noninterest income to average assets | 0.2655% | 4,151 |
| Noninterest expense to average assets | 2.7037% | 2,864 |
| Loan and lease loss provision to assets | 0.2386% | 700 |
| Net operating income to assets | 0.3981% | 4,730 |
| Return on assets (ROA) | 0.4101% | 4,731 |
| Pretax return on assets | 0.5029% | 4,697 |
| Return on Equity (ROE) | 4.1310% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.1310% | 3,341 |
| Net charge-offs to loans | -0.0038% | 4,150 |
| Credit loss provision to net charge-offs | -7,820.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8116% | 1,035 |
| Assets per employee ($millions) | 5.7734% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 2,777 |
| Loan loss allowance to noncurrent loans | 48.4702% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.9199% | 478 |
| Noncurrent loans to loans | 2.3717% | 513 |
| Net loans and leases to total assets | 78.8587% | 1,009 |
| Net loans and leases to deposits | 101.5627% | 528 |
| Net loans and leases to core deposits | 107.6958% | 1,070 |
| Total domestic deposits to total assets | 77.6454% | 4,418 |
| Equity capital to assets | 10.1157% | 3,900 |
| Core capital (leverage) ratio | 10.0577% | 3,582 |
| Tier 1 risk-based capital ratio | 14.6672% | 3,001 |
| Total risk-based capital ratio | 15.9179% | 2,926 |
| Memoranda: | ||
| Average total assets | $218,462,250 | 2,699 |
| Average earning assets | $208,711,250 | 2,641 |
| Average equity | $21,689,250 | 3,004 |
| Average total loans | $174,144,750 | 2,404 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 3,081 |
| Cost of funding earning assets | 1.1584% | 1,113 |
| Net interest margin | 3.3187% | 4,099 |
| Noninterest income to average assets | 0.2750% | 4,099 |
| Noninterest expense to average assets | 2.7962% | 2,602 |
| Loan and lease loss provision to assets | 0.0908% | 2,037 |
| Net operating income to assets | 0.4542% | 4,636 |
| Return on assets (ROA) | 0.4676% | 4,631 |
| Pretax return on assets | 0.5748% | 4,586 |
| Return on Equity (ROE) | 4.7395% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.7395% | 2,891 |
| Net charge-offs to loans | -0.0046% | 4,099 |
| Credit loss provision to net charge-offs | -2,475.0000% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1602% | 869 |
| Assets per employee ($millions) | 5.5771% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9924% | 3,668 |
| Loan loss allowance to noncurrent loans | 38.6292% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.0221% | 457 |
| Noncurrent loans to loans | 2.5689% | 446 |
| Net loans and leases to total assets | 76.8787% | 1,407 |
| Net loans and leases to deposits | 98.6557% | 782 |
| Net loans and leases to core deposits | 103.5615% | 1,426 |
| Total domestic deposits to total assets | 77.9263% | 4,411 |
| Equity capital to assets | 9.8532% | 4,091 |
| Core capital (leverage) ratio | 9.8035% | 3,826 |
| Tier 1 risk-based capital ratio | 14.6818% | 2,977 |
| Total risk-based capital ratio | 15.8277% | 2,949 |
| Memoranda: | ||
| Average total assets | $218,152,670 | 2,707 |
| Average earning assets | $208,392,330 | 2,653 |
| Average equity | $21,521,330 | 3,018 |
| Average total loans | $173,852,670 | 2,420 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 3,313 |
| Cost of funding earning assets | 1.0996% | 1,188 |
| Net interest margin | 3.2774% | 4,213 |
| Noninterest income to average assets | 0.2374% | 4,314 |
| Noninterest expense to average assets | 2.7317% | 2,803 |
| Loan and lease loss provision to assets | 0.0408% | 2,810 |
| Net operating income to assets | 0.4840% | 4,563 |
| Return on assets (ROA) | 0.4840% | 4,587 |
| Pretax return on assets | 0.5935% | 4,528 |
| Return on Equity (ROE) | 4.9034% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.9034% | 2,949 |
| Net charge-offs to loans | -0.0069% | 4,105 |
| Credit loss provision to net charge-offs | -733.3333% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1570% | 956 |
| Assets per employee ($millions) | 5.6710% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 4,009 |
| Loan loss allowance to noncurrent loans | 31.2989% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.3982% | 336 |
| Noncurrent loans to loans | 2.9974% | 363 |
| Net loans and leases to total assets | 78.3464% | 1,096 |
| Net loans and leases to deposits | 100.6400% | 586 |
| Net loans and leases to core deposits | 106.0064% | 1,172 |
| Total domestic deposits to total assets | 77.8482% | 4,542 |
| Equity capital to assets | 9.6948% | 4,097 |
| Core capital (leverage) ratio | 10.2129% | 3,369 |
| Tier 1 risk-based capital ratio | 14.4072% | 3,143 |
| Total risk-based capital ratio | 15.4927% | 3,152 |
| Memoranda: | ||
| Average total assets | $215,687,000 | 2,756 |
| Average earning assets | $205,897,500 | 2,708 |
| Average equity | $21,291,500 | 3,042 |
| Average total loans | $174,167,500 | 2,432 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3958% | 2,774 |
| Cost of funding earning assets | 0.9628% | 871 |
| Net interest margin | 3.4330% | 3,899 |
| Noninterest income to average assets | 0.2468% | 4,443 |
| Noninterest expense to average assets | 2.6082% | 3,313 |
| Loan and lease loss provision to assets | 0.2430% | 716 |
| Net operating income to assets | 0.5236% | 4,609 |
| Return on assets (ROA) | 0.5236% | 4,603 |
| Pretax return on assets | 0.6728% | 4,481 |
| Return on Equity (ROE) | 5.4789% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.4789% | 2,493 |
| Net charge-offs to loans | 0.3098% | 628 |
| Credit loss provision to net charge-offs | 94.9721% | 2,637 |
| Earnings coverage of net charge-offs (x) | 3.5791% | 3,393 |
| Efficiency ratio | 74.0130% | 1,627 |
| Assets per employee ($millions) | 5.1270% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,035 |
| Loan loss allowance to noncurrent loans | 30.0260% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 2.5751% | 287 |
| Noncurrent loans to loans | 3.1035% | 318 |
| Net loans and leases to total assets | 81.7297% | 692 |
| Net loans and leases to deposits | 106.5790% | 344 |
| Net loans and leases to core deposits | 111.8475% | 892 |
| Total domestic deposits to total assets | 76.6847% | 4,679 |
| Equity capital to assets | 10.0573% | 3,621 |
| Core capital (leverage) ratio | 10.3955% | 3,146 |
| Tier 1 risk-based capital ratio | 14.4774% | 3,070 |
| Total risk-based capital ratio | 15.5652% | 3,072 |
| Memoranda: | ||
| Average total assets | $209,876,200 | 2,768 |
| Average earning assets | $200,348,800 | 2,718 |
| Average equity | $20,058,600 | 3,084 |
| Average total loans | $173,345,400 | 2,405 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 2,699 |
| Cost of funding earning assets | 0.9386% | 780 |
| Net interest margin | 3.4394% | 3,896 |
| Noninterest income to average assets | 0.2491% | 4,486 |
| Noninterest expense to average assets | 2.6985% | 2,987 |
| Loan and lease loss provision to assets | 0.2351% | 683 |
| Net operating income to assets | 0.4652% | 4,829 |
| Return on assets (ROA) | 0.4652% | 4,837 |
| Pretax return on assets | 0.5993% | 4,729 |
| Return on Equity (ROE) | 4.9322% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.9322% | 3,274 |
| Net charge-offs to loans | 0.2031% | 836 |
| Credit loss provision to net charge-offs | 140.1515% | 1,807 |
| Earnings coverage of net charge-offs (x) | 4.9735% | 3,003 |
| Efficiency ratio | 76.3806% | 1,302 |
| Assets per employee ($millions) | 5.4342% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,668 |
| Loan loss allowance to noncurrent loans | 30.9722% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.7545% | 291 |
| Noncurrent loans to loans | 3.2762% | 312 |
| Net loans and leases to total assets | 82.6228% | 615 |
| Net loans and leases to deposits | 108.4019% | 339 |
| Net loans and leases to core deposits | 113.9505% | 823 |
| Total domestic deposits to total assets | 76.2190% | 4,764 |
| Equity capital to assets | 9.7370% | 3,884 |
| Core capital (leverage) ratio | 10.1045% | 3,516 |
| Tier 1 risk-based capital ratio | 14.1099% | 3,315 |
| Total risk-based capital ratio | 15.2776% | 3,268 |
| Memoranda: | ||
| Average total assets | $209,794,000 | 2,791 |
| Average earning assets | $200,303,500 | 2,735 |
| Average equity | $19,788,000 | 3,131 |
| Average total loans | $173,327,750 | 2,415 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 2,642 |
| Cost of funding earning assets | 0.9146% | 690 |
| Net interest margin | 3.4205% | 3,893 |
| Noninterest income to average assets | 0.2437% | 4,550 |
| Noninterest expense to average assets | 2.7929% | 2,679 |
| Loan and lease loss provision to assets | 0.3310% | 408 |
| Net operating income to assets | 0.2855% | 5,137 |
| Return on assets (ROA) | 0.2855% | 5,131 |
| Pretax return on assets | 0.3898% | 5,052 |
| Return on Equity (ROE) | 3.0587% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.0587% | 4,026 |
| Net charge-offs to loans | 0.3156% | 507 |
| Credit loss provision to net charge-offs | 127.3723% | 1,743 |
| Earnings coverage of net charge-offs (x) | 2.7737% | 2,947 |
| Efficiency ratio | 79.4872% | 1,072 |
| Assets per employee ($millions) | 5.5741% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,870 |
| Loan loss allowance to noncurrent loans | 35.4959% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 2.2850% | 408 |
| Noncurrent loans to loans | 2.8054% | 431 |
| Net loans and leases to total assets | 80.6384% | 922 |
| Net loans and leases to deposits | 104.7138% | 496 |
| Net loans and leases to core deposits | 110.0519% | 996 |
| Total domestic deposits to total assets | 77.0083% | 4,733 |
| Equity capital to assets | 9.3378% | 4,251 |
| Core capital (leverage) ratio | 9.6928% | 3,900 |
| Tier 1 risk-based capital ratio | 13.8825% | 3,415 |
| Total risk-based capital ratio | 15.0341% | 3,381 |
| Memoranda: | ||
| Average total assets | $210,891,670 | 2,804 |
| Average earning assets | $201,608,000 | 2,738 |
| Average equity | $19,681,670 | 3,159 |
| Average total loans | $173,648,330 | 2,411 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 2,734 |
| Cost of funding earning assets | 0.8800% | 660 |
| Net interest margin | 3.3631% | 4,014 |
| Noninterest income to average assets | 0.2508% | 4,502 |
| Noninterest expense to average assets | 2.7661% | 2,821 |
| Loan and lease loss provision to assets | 0.0380% | 2,991 |
| Net operating income to assets | 0.5376% | 4,611 |
| Return on assets (ROA) | 0.5376% | 4,614 |
| Pretax return on assets | 0.6630% | 4,536 |
| Return on Equity (ROE) | 5.7300% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.7300% | 2,839 |
| Net charge-offs to loans | 0.0413% | 1,711 |
| Credit loss provision to net charge-offs | 111.1111% | 1,444 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,465 |
| Efficiency ratio | 79.7808% | 1,163 |
| Assets per employee ($millions) | 5.1440% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 4,247 |
| Loan loss allowance to noncurrent loans | 31.1317% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.5618% | 356 |
| Noncurrent loans to loans | 3.0307% | 393 |
| Net loans and leases to total assets | 81.8876% | 679 |
| Net loans and leases to deposits | 106.6818% | 356 |
| Net loans and leases to core deposits | 111.7087% | 904 |
| Total domestic deposits to total assets | 76.7587% | 4,891 |
| Equity capital to assets | 9.3819% | 4,204 |
| Core capital (leverage) ratio | 9.6595% | 3,893 |
| Tier 1 risk-based capital ratio | 13.5590% | 3,626 |
| Total risk-based capital ratio | 14.6581% | 3,628 |
| Memoranda: | ||
| Average total assets | $210,552,000 | 2,841 |
| Average earning assets | $201,364,000 | 2,772 |
| Average equity | $19,755,500 | 3,183 |
| Average total loans | $174,344,000 | 2,423 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 2,859 |
| Cost of funding earning assets | 0.7876% | 668 |
| Net interest margin | 3.3674% | 3,942 |
| Noninterest income to average assets | 0.4585% | 3,257 |
| Noninterest expense to average assets | 2.6569% | 3,267 |
| Loan and lease loss provision to assets | 0.0252% | 3,794 |
| Net operating income to assets | 0.5823% | 4,091 |
| Return on assets (ROA) | 0.5823% | 4,129 |
| Pretax return on assets | 1.0047% | 3,546 |
| Return on Equity (ROE) | 6.3165% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.3165% | 1,374 |
| Net charge-offs to loans | -0.0153% | 4,881 |
| Credit loss provision to net charge-offs | -203.8462% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0649% | 2,214 |
| Assets per employee ($millions) | 5.0047% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,257 |
| Loan loss allowance to noncurrent loans | 29.8782% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.6161% | 341 |
| Noncurrent loans to loans | 3.1542% | 340 |
| Net loans and leases to total assets | 82.1579% | 662 |
| Net loans and leases to deposits | 99.4180% | 777 |
| Net loans and leases to core deposits | 103.7313% | 1,431 |
| Total domestic deposits to total assets | 82.6388% | 3,676 |
| Equity capital to assets | 9.3835% | 4,352 |
| Core capital (leverage) ratio | 9.6218% | 3,897 |
| Tier 1 risk-based capital ratio | 13.3613% | 3,709 |
| Total risk-based capital ratio | 14.4534% | 3,712 |
| Memoranda: | ||
| Average total assets | $210,699,400 | 2,819 |
| Average earning assets | $201,995,800 | 2,751 |
| Average equity | $19,425,400 | 3,204 |
| Average total loans | $170,249,400 | 2,416 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 2,861 |
| Cost of funding earning assets | 0.7835% | 635 |
| Net interest margin | 3.3495% | 4,018 |
| Noninterest income to average assets | 0.5287% | 2,847 |
| Noninterest expense to average assets | 2.6442% | 3,269 |
| Loan and lease loss provision to assets | 0.0335% | 3,452 |
| Net operating income to assets | 0.8209% | 3,433 |
| Return on assets (ROA) | 0.8209% | 3,472 |
| Pretax return on assets | 1.0631% | 3,449 |
| Return on Equity (ROE) | 8.9434% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.9434% | 864 |
| Net charge-offs to loans | -0.0741% | 5,292 |
| Credit loss provision to net charge-offs | -56.3830% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6847% | 2,419 |
| Assets per employee ($millions) | 4.8445% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 4,040 |
| Loan loss allowance to noncurrent loans | 30.4340% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.6988% | 360 |
| Noncurrent loans to loans | 3.2932% | 356 |
| Net loans and leases to total assets | 81.1286% | 821 |
| Net loans and leases to deposits | 96.6737% | 1,047 |
| Net loans and leases to core deposits | 101.5009% | 1,580 |
| Total domestic deposits to total assets | 83.9200% | 3,150 |
| Equity capital to assets | 9.6119% | 4,332 |
| Core capital (leverage) ratio | 9.7065% | 3,927 |
| Tier 1 risk-based capital ratio | 13.5698% | 3,660 |
| Total risk-based capital ratio | 14.7257% | 3,632 |
| Memoranda: | ||
| Average total assets | $210,824,500 | 2,838 |
| Average earning assets | $202,174,250 | 2,772 |
| Average equity | $19,350,750 | 3,236 |
| Average total loans | $169,227,250 | 2,445 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 2,841 |
| Cost of funding earning assets | 0.7876% | 559 |
| Net interest margin | 3.3081% | 4,080 |
| Noninterest income to average assets | 0.6775% | 2,089 |
| Noninterest expense to average assets | 2.6779% | 3,170 |
| Loan and lease loss provision to assets | 0.0491% | 3,007 |
| Net operating income to assets | 0.9156% | 2,832 |
| Return on assets (ROA) | 0.9156% | 2,886 |
| Pretax return on assets | 1.1254% | 3,066 |
| Return on Equity (ROE) | 10.1324% | 1,972 |
| Retained earnings to average equity (ytd only) | 10.1324% | 555 |
| Net charge-offs to loans | -0.1114% | 5,440 |
| Credit loss provision to net charge-offs | -55.3191% | 4,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5119% | 2,764 |
| Assets per employee ($millions) | 4.9847% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 4,003 |
| Loan loss allowance to noncurrent loans | 35.2650% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.3161% | 501 |
| Noncurrent loans to loans | 2.9032% | 458 |
| Net loans and leases to total assets | 78.9620% | 1,098 |
| Net loans and leases to deposits | 92.5180% | 1,429 |
| Net loans and leases to core deposits | 97.4315% | 1,854 |
| Total domestic deposits to total assets | 85.3477% | 2,669 |
| Equity capital to assets | 9.4211% | 4,494 |
| Core capital (leverage) ratio | 9.2445% | 4,441 |
| Tier 1 risk-based capital ratio | 13.4393% | 3,725 |
| Total risk-based capital ratio | 14.6061% | 3,694 |
| Memoranda: | ||
| Average total assets | $211,661,000 | 2,842 |
| Average earning assets | $203,138,330 | 2,773 |
| Average equity | $19,126,670 | 3,259 |
| Average total loans | $168,731,670 | 2,454 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 3,041 |
| Cost of funding earning assets | 0.7920% | 512 |
| Net interest margin | 3.2090% | 4,311 |
| Noninterest income to average assets | 0.2462% | 4,774 |
| Noninterest expense to average assets | 2.4660% | 3,923 |
| Loan and lease loss provision to assets | 0.0639% | 2,522 |
| Net operating income to assets | 0.5488% | 4,388 |
| Return on assets (ROA) | 0.5488% | 4,431 |
| Pretax return on assets | 0.7932% | 4,130 |
| Return on Equity (ROE) | 6.2035% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.2035% | 2,235 |
| Net charge-offs to loans | -0.0590% | 5,254 |
| Credit loss provision to net charge-offs | -136.0000% | 3,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2081% | 2,201 |
| Assets per employee ($millions) | 5.2578% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 4,479 |
| Loan loss allowance to noncurrent loans | 30.8731% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.4387% | 486 |
| Noncurrent loans to loans | 3.1186% | 428 |
| Net loans and leases to total assets | 77.4439% | 1,208 |
| Net loans and leases to deposits | 90.0667% | 1,526 |
| Net loans and leases to core deposits | 95.3988% | 1,860 |
| Total domestic deposits to total assets | 85.9850% | 2,673 |
| Equity capital to assets | 8.7990% | 5,000 |
| Core capital (leverage) ratio | 8.9035% | 4,838 |
| Tier 1 risk-based capital ratio | 12.7554% | 4,222 |
| Total risk-based capital ratio | 13.8499% | 4,232 |
| Memoranda: | ||
| Average total assets | $212,812,000 | 2,854 |
| Average earning assets | $204,049,500 | 2,787 |
| Average equity | $18,828,000 | 3,307 |
| Average total loans | $169,585,500 | 2,465 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 2,253 |
| Cost of funding earning assets | 0.8544% | 381 |
| Net interest margin | 3.4123% | 3,776 |
| Noninterest income to average assets | 0.2248% | 5,064 |
| Noninterest expense to average assets | 2.5383% | 3,881 |
| Loan and lease loss provision to assets | 0.1782% | 1,350 |
| Net operating income to assets | 0.5273% | 4,521 |
| Return on assets (ROA) | 0.5273% | 4,612 |
| Pretax return on assets | 0.7720% | 4,262 |
| Return on Equity (ROE) | 5.9297% | 4,012 |
| Retained earnings to average equity (ytd only) | 5.9297% | 1,748 |
| Net charge-offs to loans | 0.1872% | 1,483 |
| Credit loss provision to net charge-offs | 116.8790% | 2,261 |
| Earnings coverage of net charge-offs (x) | 6.2325% | 3,212 |
| Efficiency ratio | 72.7627% | 2,466 |
| Assets per employee ($millions) | 5.1233% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 4,717 |
| Loan loss allowance to noncurrent loans | 46.1085% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 1.6910% | 913 |
| Noncurrent loans to loans | 1.9882% | 908 |
| Net loans and leases to total assets | 80.4737% | 816 |
| Net loans and leases to deposits | 94.0082% | 1,191 |
| Net loans and leases to core deposits | 100.0331% | 1,618 |
| Total domestic deposits to total assets | 85.6028% | 2,778 |
| Equity capital to assets | 8.8967% | 4,916 |
| Core capital (leverage) ratio | 8.7938% | 4,974 |
| Tier 1 risk-based capital ratio | 12.7804% | 4,215 |
| Total risk-based capital ratio | 13.8603% | 4,209 |
| Memoranda: | ||
| Average total assets | $205,964,800 | 2,900 |
| Average earning assets | $196,990,600 | 2,821 |
| Average equity | $18,314,600 | 3,370 |
| Average total loans | $167,732,000 | 2,436 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 2,318 |
| Cost of funding earning assets | 0.8586% | 365 |
| Net interest margin | 3.3964% | 3,851 |
| Noninterest income to average assets | 0.2316% | 5,085 |
| Noninterest expense to average assets | 2.5359% | 3,876 |
| Loan and lease loss provision to assets | 0.0651% | 2,926 |
| Net operating income to assets | 0.5979% | 4,304 |
| Return on assets (ROA) | 0.5979% | 4,416 |
| Pretax return on assets | 0.8783% | 4,054 |
| Return on Equity (ROE) | 6.7246% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.7246% | 1,773 |
| Net charge-offs to loans | 0.0144% | 3,452 |
| Credit loss provision to net charge-offs | 555.5556% | 648 |
| Earnings coverage of net charge-offs (x) | 80.5538% | 777 |
| Efficiency ratio | 72.8871% | 2,454 |
| Assets per employee ($millions) | 5.2000% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 4,729 |
| Loan loss allowance to noncurrent loans | 46.5926% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.7351% | 976 |
| Noncurrent loans to loans | 2.0073% | 974 |
| Net loans and leases to total assets | 81.1236% | 739 |
| Net loans and leases to deposits | 94.6642% | 1,183 |
| Net loans and leases to core deposits | 100.8155% | 1,561 |
| Total domestic deposits to total assets | 85.6962% | 2,511 |
| Equity capital to assets | 9.0009% | 5,177 |
| Core capital (leverage) ratio | 8.7468% | 5,104 |
| Tier 1 risk-based capital ratio | 12.5069% | 4,473 |
| Total risk-based capital ratio | 13.6070% | 4,471 |
| Memoranda: | ||
| Average total assets | $204,942,250 | 2,916 |
| Average earning assets | $195,965,500 | 2,847 |
| Average equity | $18,221,250 | 3,402 |
| Average total loans | $167,014,250 | 2,448 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 2,409 |
| Cost of funding earning assets | 0.8577% | 362 |
| Net interest margin | 3.3724% | 3,992 |
| Noninterest income to average assets | 0.2315% | 5,096 |
| Noninterest expense to average assets | 2.4205% | 4,267 |
| Loan and lease loss provision to assets | 0.0824% | 2,488 |
| Net operating income to assets | 0.6473% | 4,049 |
| Return on assets (ROA) | 0.6473% | 4,194 |
| Pretax return on assets | 0.9523% | 3,767 |
| Return on Equity (ROE) | 7.3113% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.3113% | 1,466 |
| Net charge-offs to loans | -0.0157% | 4,851 |
| Credit loss provision to net charge-offs | -646.1538% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0539% | 2,975 |
| Assets per employee ($millions) | 5.1958% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9480% | 4,763 |
| Loan loss allowance to noncurrent loans | 43.4360% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 1.8746% | 903 |
| Noncurrent loans to loans | 2.1824% | 866 |
| Net loans and leases to total assets | 80.8437% | 780 |
| Net loans and leases to deposits | 94.9711% | 1,192 |
| Net loans and leases to core deposits | 101.0142% | 1,560 |
| Total domestic deposits to total assets | 85.1245% | 2,813 |
| Equity capital to assets | 8.8918% | 5,319 |
| Core capital (leverage) ratio | 8.6761% | 5,192 |
| Tier 1 risk-based capital ratio | 12.3574% | 4,612 |
| Total risk-based capital ratio | 13.4736% | 4,608 |
| Memoranda: | ||
| Average total assets | $203,922,670 | 2,940 |
| Average earning assets | $194,938,000 | 2,870 |
| Average equity | $18,054,330 | 3,432 |
| Average total loans | $165,908,670 | 2,462 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 2,496 |
| Cost of funding earning assets | 0.8621% | 364 |
| Net interest margin | 3.3325% | 4,100 |
| Noninterest income to average assets | 0.2297% | 5,097 |
| Noninterest expense to average assets | 2.4836% | 4,118 |
| Loan and lease loss provision to assets | 0.0654% | 2,651 |
| Net operating income to assets | 0.5902% | 4,226 |
| Return on assets (ROA) | 0.5902% | 4,340 |
| Pretax return on assets | 0.8655% | 3,980 |
| Return on Equity (ROE) | 6.6811% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.6811% | 2,041 |
| Net charge-offs to loans | -0.0146% | 4,699 |
| Credit loss provision to net charge-offs | -550.0000% | 4,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7378% | 2,693 |
| Assets per employee ($millions) | 5.6470% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 4,940 |
| Loan loss allowance to noncurrent loans | 38.2056% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0911% | 816 |
| Noncurrent loans to loans | 2.4435% | 785 |
| Net loans and leases to total assets | 80.9093% | 698 |
| Net loans and leases to deposits | 94.5593% | 1,089 |
| Net loans and leases to core deposits | 100.6745% | 1,429 |
| Total domestic deposits to total assets | 85.5647% | 2,877 |
| Equity capital to assets | 8.8778% | 5,280 |
| Core capital (leverage) ratio | 8.7387% | 5,141 |
| Tier 1 risk-based capital ratio | 12.3732% | 4,674 |
| Total risk-based capital ratio | 13.4663% | 4,676 |
| Memoranda: | ||
| Average total assets | $201,968,000 | 2,966 |
| Average earning assets | $193,007,000 | 2,901 |
| Average equity | $17,841,500 | 3,461 |
| Average total loans | $164,049,500 | 2,477 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 1,541 |
| Cost of funding earning assets | 1.1361% | 76 |
| Net interest margin | 3.3822% | 3,977 |
| Noninterest income to average assets | 0.3760% | 4,218 |
| Noninterest expense to average assets | 2.8357% | 3,091 |
| Loan and lease loss provision to assets | 0.0853% | 2,587 |
| Net operating income to assets | 0.5227% | 4,608 |
| Return on assets (ROA) | 0.5227% | 4,689 |
| Pretax return on assets | 0.6723% | 4,608 |
| Return on Equity (ROE) | 6.1217% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.1217% | 1,731 |
| Net charge-offs to loans | 0.0438% | 3,336 |
| Credit loss provision to net charge-offs | 240.8451% | 1,181 |
| Earnings coverage of net charge-offs (x) | 21.3944% | 1,815 |
| Efficiency ratio | 78.9174% | 1,828 |
| Assets per employee ($millions) | 4.8937% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,958 |
| Loan loss allowance to noncurrent loans | 42.7319% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8590% | 1,000 |
| Noncurrent loans to loans | 2.1818% | 917 |
| Net loans and leases to total assets | 80.0202% | 844 |
| Net loans and leases to deposits | 92.6756% | 1,327 |
| Net loans and leases to core deposits | 98.9938% | 1,594 |
| Total domestic deposits to total assets | 86.3444% | 2,465 |
| Equity capital to assets | 8.7892% | 5,319 |
| Core capital (leverage) ratio | 8.6465% | 5,284 |
| Tier 1 risk-based capital ratio | 12.4966% | 4,635 |
| Total risk-based capital ratio | 13.5956% | 4,628 |
| Memoranda: | ||
| Average total assets | $200,513,800 | 2,949 |
| Average earning assets | $190,736,200 | 2,882 |
| Average equity | $17,119,400 | 3,512 |
| Average total loans | $162,064,200 | 2,443 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,299 |
| Cost of funding earning assets | 1.2194% | 53 |
| Net interest margin | 3.3936% | 3,988 |
| Noninterest income to average assets | 0.4270% | 3,891 |
| Noninterest expense to average assets | 2.8491% | 3,012 |
| Loan and lease loss provision to assets | 0.1137% | 1,984 |
| Net operating income to assets | 0.5367% | 4,649 |
| Return on assets (ROA) | 0.5367% | 4,746 |
| Pretax return on assets | 0.6883% | 4,720 |
| Return on Equity (ROE) | 6.3328% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.3328% | 2,048 |
| Net charge-offs to loans | -0.0296% | 5,353 |
| Credit loss provision to net charge-offs | -475.0000% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0328% | 1,937 |
| Assets per employee ($millions) | 5.0787% | 2,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 4,762 |
| Loan loss allowance to noncurrent loans | 48.4286% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.7847% | 1,204 |
| Noncurrent loans to loans | 2.0594% | 1,115 |
| Net loans and leases to total assets | 81.0918% | 690 |
| Net loans and leases to deposits | 94.2273% | 1,178 |
| Net loans and leases to core deposits | 101.2743% | 1,428 |
| Total domestic deposits to total assets | 86.0598% | 2,494 |
| Equity capital to assets | 8.8227% | 5,469 |
| Core capital (leverage) ratio | 8.3647% | 5,660 |
| Tier 1 risk-based capital ratio | 12.2630% | 4,913 |
| Total risk-based capital ratio | 13.4405% | 4,872 |
| Memoranda: | ||
| Average total assets | $200,481,500 | 2,964 |
| Average earning assets | $190,469,250 | 2,909 |
| Average equity | $16,990,500 | 3,559 |
| Average total loans | $162,063,750 | 2,453 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 959 |
| Cost of funding earning assets | 1.2889% | 38 |
| Net interest margin | 3.4761% | 3,599 |
| Noninterest income to average assets | 0.5216% | 3,215 |
| Noninterest expense to average assets | 2.9461% | 2,732 |
| Loan and lease loss provision to assets | 0.1192% | 1,857 |
| Net operating income to assets | 0.6131% | 4,280 |
| Return on assets (ROA) | 0.6131% | 4,403 |
| Pretax return on assets | 0.7551% | 4,473 |
| Return on Equity (ROE) | 7.3326% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.3326% | 1,556 |
| Net charge-offs to loans | -0.0444% | 5,502 |
| Credit loss provision to net charge-offs | -333.3333% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1131% | 2,187 |
| Assets per employee ($millions) | 5.6094% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 5,000 |
| Loan loss allowance to noncurrent loans | 45.9016% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 1,292 |
| Noncurrent loans to loans | 2.1153% | 1,142 |
| Net loans and leases to total assets | 79.1926% | 911 |
| Net loans and leases to deposits | 93.2946% | 1,220 |
| Net loans and leases to core deposits | 100.4302% | 1,457 |
| Total domestic deposits to total assets | 84.8845% | 3,172 |
| Equity capital to assets | 8.5254% | 5,666 |
| Core capital (leverage) ratio | 8.1257% | 5,850 |
| Tier 1 risk-based capital ratio | 12.1013% | 5,077 |
| Total risk-based capital ratio | 13.2445% | 5,051 |
| Memoranda: | ||
| Average total assets | $201,286,000 | 2,979 |
| Average earning assets | $191,016,000 | 2,926 |
| Average equity | $16,829,000 | 3,597 |
| Average total loans | $162,006,670 | 2,465 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3878% | 1,810 |
| Cost of funding earning assets | 1.3750% | 29 |
| Net interest margin | 3.0128% | 5,184 |
| Noninterest income to average assets | 0.2209% | 5,375 |
| Noninterest expense to average assets | 3.1787% | 2,035 |
| Loan and lease loss provision to assets | 0.1035% | 1,974 |
| Net operating income to assets | -0.1174% | 6,110 |
| Return on assets (ROA) | -0.1174% | 6,134 |
| Pretax return on assets | -0.2090% | 6,158 |
| Return on Equity (ROE) | -1.4187% | 6,148 |
| Retained earnings to average equity (ytd only) | -1.4187% | 5,605 |
| Net charge-offs to loans | -0.0961% | 5,841 |
| Credit loss provision to net charge-offs | -133.3333% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4326% | 279 |
| Assets per employee ($millions) | 5.9229% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 5,328 |
| Loan loss allowance to noncurrent loans | 42.4534% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 1.8532% | 1,315 |
| Noncurrent loans to loans | 2.1929% | 1,155 |
| Net loans and leases to total assets | 79.3727% | 763 |
| Net loans and leases to deposits | 96.0623% | 826 |
| Net loans and leases to core deposits | 103.6341% | 1,087 |
| Total domestic deposits to total assets | 82.6263% | 4,300 |
| Equity capital to assets | 8.2596% | 5,897 |
| Core capital (leverage) ratio | 7.6921% | 6,072 |
| Tier 1 risk-based capital ratio | 11.5426% | 5,529 |
| Total risk-based capital ratio | 12.6488% | 5,520 |
| Memoranda: | ||
| Average total assets | $200,960,000 | 3,002 |
| Average earning assets | $190,255,500 | 2,942 |
| Average equity | $16,635,500 | 3,641 |
| Average total loans | $162,266,000 | 2,470 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 2,465 |
| Cost of funding earning assets | 1.6722% | 16 |
| Net interest margin | 2.6663% | 5,986 |
| Noninterest income to average assets | 0.1858% | 5,743 |
| Noninterest expense to average assets | 2.1905% | 5,374 |
| Loan and lease loss provision to assets | 0.1565% | 1,679 |
| Net operating income to assets | 0.8411% | 3,166 |
| Return on assets (ROA) | 0.8411% | 3,258 |
| Pretax return on assets | 0.3710% | 5,556 |
| Return on Equity (ROE) | 10.8189% | 1,782 |
| Retained earnings to average equity (ytd only) | 10.8189% | 395 |
| Net charge-offs to loans | 0.0349% | 4,135 |
| Credit loss provision to net charge-offs | 554.3860% | 478 |
| Earnings coverage of net charge-offs (x) | 18.6842% | 1,826 |
| Efficiency ratio | 80.5905% | 1,833 |
| Assets per employee ($millions) | 5.7297% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 5,587 |
| Loan loss allowance to noncurrent loans | 37.8487% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 1.9557% | 1,319 |
| Noncurrent loans to loans | 2.2845% | 1,144 |
| Net loans and leases to total assets | 80.6713% | 651 |
| Net loans and leases to deposits | 107.3866% | 313 |
| Net loans and leases to core deposits | 117.9268% | 468 |
| Total domestic deposits to total assets | 75.1223% | 5,844 |
| Equity capital to assets | 8.2966% | 5,894 |
| Core capital (leverage) ratio | 7.7040% | 6,128 |
| Tier 1 risk-based capital ratio | 10.8479% | 5,967 |
| Total risk-based capital ratio | 11.8594% | 6,004 |
| Memoranda: | ||
| Average total assets | $201,874,800 | 2,963 |
| Average earning assets | $191,725,600 | 2,891 |
| Average equity | $15,694,800 | 3,725 |
| Average total loans | $163,094,400 | 2,401 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 2,474 |
| Cost of funding earning assets | 1.7343% | 15 |
| Net interest margin | 2.6012% | 6,134 |
| Noninterest income to average assets | 0.1833% | 5,824 |
| Noninterest expense to average assets | 2.1416% | 5,482 |
| Loan and lease loss provision to assets | 0.0501% | 3,372 |
| Net operating income to assets | 0.4879% | 4,914 |
| Return on assets (ROA) | 0.4879% | 4,980 |
| Pretax return on assets | 0.4649% | 5,419 |
| Return on Equity (ROE) | 6.3823% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.3823% | 2,172 |
| Net charge-offs to loans | -0.0213% | 5,630 |
| Credit loss provision to net charge-offs | -292.3077% | 5,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6155% | 1,822 |
| Assets per employee ($millions) | 5.7093% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7848% | 5,907 |
| Loan loss allowance to noncurrent loans | 30.4665% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 1,296 |
| Noncurrent loans to loans | 2.5760% | 1,122 |
| Net loans and leases to total assets | 79.3335% | 794 |
| Net loans and leases to deposits | 101.5404% | 521 |
| Net loans and leases to core deposits | 111.9911% | 661 |
| Total domestic deposits to total assets | 78.1300% | 5,505 |
| Equity capital to assets | 7.9539% | 6,157 |
| Core capital (leverage) ratio | 7.5562% | 6,258 |
| Tier 1 risk-based capital ratio | 11.0277% | 5,979 |
| Total risk-based capital ratio | 11.9353% | 6,092 |
| Memoranda: | ||
| Average total assets | $202,208,250 | 2,988 |
| Average earning assets | $192,267,250 | 2,909 |
| Average equity | $15,459,000 | 3,776 |
| Average total loans | $163,070,500 | 2,410 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,467 |
| Cost of funding earning assets | 1.7406% | 15 |
| Net interest margin | 2.5902% | 6,183 |
| Noninterest income to average assets | 0.1773% | 5,888 |
| Noninterest expense to average assets | 2.1152% | 5,596 |
| Loan and lease loss provision to assets | 0.0985% | 2,384 |
| Net operating income to assets | 0.4719% | 4,926 |
| Return on assets (ROA) | 0.4719% | 4,996 |
| Pretax return on assets | 0.4266% | 5,487 |
| Return on Equity (ROE) | 6.2557% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.2557% | 2,180 |
| Net charge-offs to loans | 0.0012% | 4,355 |
| Credit loss provision to net charge-offs | 10,000.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 131 |
| Efficiency ratio | 80.1119% | 2,009 |
| Assets per employee ($millions) | 6.0570% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 6,074 |
| Loan loss allowance to noncurrent loans | 37.3879% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 1.7190% | 1,902 |
| Noncurrent loans to loans | 2.0224% | 1,673 |
| Net loans and leases to total assets | 79.7294% | 721 |
| Net loans and leases to deposits | 101.0325% | 504 |
| Net loans and leases to core deposits | 110.7488% | 663 |
| Total domestic deposits to total assets | 78.9146% | 5,478 |
| Equity capital to assets | 7.5998% | 6,325 |
| Core capital (leverage) ratio | 7.3100% | 6,370 |
| Tier 1 risk-based capital ratio | 10.6967% | 6,177 |
| Total risk-based capital ratio | 11.5904% | 6,257 |
| Memoranda: | ||
| Average total assets | $203,002,330 | 2,996 |
| Average earning assets | $193,037,670 | 2,913 |
| Average equity | $15,314,000 | 3,800 |
| Average total loans | $164,166,330 | 2,404 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3250% | 2,427 |
| Cost of funding earning assets | 1.7417% | 15 |
| Net interest margin | 2.5833% | 6,260 |
| Noninterest income to average assets | 0.1905% | 5,820 |
| Noninterest expense to average assets | 2.0900% | 5,702 |
| Loan and lease loss provision to assets | 0.0953% | 2,336 |
| Net operating income to assets | 0.4644% | 4,877 |
| Return on assets (ROA) | 0.4644% | 4,944 |
| Pretax return on assets | 0.4605% | 5,286 |
| Return on Equity (ROE) | 6.1801% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.1801% | 2,440 |
| Net charge-offs to loans | -0.0024% | 4,723 |
| Credit loss provision to net charge-offs | -4,800.0000% | 5,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9947% | 2,340 |
| Assets per employee ($millions) | 6.1785% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 6,238 |
| Loan loss allowance to noncurrent loans | 39.7156% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5783% | 2,232 |
| Noncurrent loans to loans | 1.8314% | 2,099 |
| Net loans and leases to total assets | 80.3940% | 504 |
| Net loans and leases to deposits | 101.9194% | 368 |
| Net loans and leases to core deposits | 111.5529% | 524 |
| Total domestic deposits to total assets | 78.8800% | 5,705 |
| Equity capital to assets | 7.5050% | 6,314 |
| Core capital (leverage) ratio | 7.3060% | 6,401 |
| Tier 1 risk-based capital ratio | 10.5920% | 6,307 |
| Total risk-based capital ratio | 11.4589% | 6,388 |
| Memoranda: | ||
| Average total assets | $201,534,000 | 3,031 |
| Average earning assets | $191,538,000 | 2,955 |
| Average equity | $15,145,500 | 3,842 |
| Average total loans | $163,527,000 | 2,418 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 2,527 |
| Cost of funding earning assets | 2.1012% | 9 |
| Net interest margin | 2.3148% | 6,514 |
| Noninterest income to average assets | 0.2174% | 5,781 |
| Noninterest expense to average assets | 2.1142% | 5,800 |
| Loan and lease loss provision to assets | 0.1094% | 2,976 |
| Net operating income to assets | 0.1865% | 5,862 |
| Return on assets (ROA) | 0.1865% | 5,929 |
| Pretax return on assets | 0.1935% | 5,952 |
| Return on Equity (ROE) | 2.5066% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.5066% | 4,469 |
| Net charge-offs to loans | 0.2226% | 2,684 |
| Credit loss provision to net charge-offs | 62.1469% | 3,506 |
| Earnings coverage of net charge-offs (x) | 1.7203% | 4,478 |
| Efficiency ratio | 87.4666% | 1,273 |
| Assets per employee ($millions) | 5.8581% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 6,326 |
| Loan loss allowance to noncurrent loans | 32.7552% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 1.8632% | 1,963 |
| Noncurrent loans to loans | 2.1718% | 1,805 |
| Net loans and leases to total assets | 80.7246% | 522 |
| Net loans and leases to deposits | 104.0963% | 318 |
| Net loans and leases to core deposits | 114.2873% | 465 |
| Total domestic deposits to total assets | 77.5480% | 5,893 |
| Equity capital to assets | 7.5255% | 6,271 |
| Core capital (leverage) ratio | 7.1055% | 6,501 |
| Tier 1 risk-based capital ratio | 10.0009% | 6,520 |
| Total risk-based capital ratio | 10.8149% | 6,578 |
| Memoranda: | ||
| Average total assets | $201,018,600 | 3,024 |
| Average earning assets | $191,035,200 | 2,941 |
| Average equity | $14,960,400 | 3,880 |
| Average total loans | $159,055,200 | 2,438 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 2,569 |
| Cost of funding earning assets | 2.1557% | 7 |
| Net interest margin | 2.2532% | 6,613 |
| Noninterest income to average assets | 0.1979% | 5,994 |
| Noninterest expense to average assets | 2.0713% | 5,888 |
| Loan and lease loss provision to assets | 0.0993% | 3,105 |
| Net operating income to assets | 0.1879% | 5,940 |
| Return on assets (ROA) | 0.1879% | 6,012 |
| Pretax return on assets | 0.1687% | 6,098 |
| Return on Equity (ROE) | 2.5323% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.5323% | 4,802 |
| Net charge-offs to loans | 0.0766% | 3,848 |
| Credit loss provision to net charge-offs | 164.8352% | 1,446 |
| Earnings coverage of net charge-offs (x) | 4.4506% | 3,438 |
| Efficiency ratio | 88.5431% | 1,122 |
| Assets per employee ($millions) | 6.5055% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 6,197 |
| Loan loss allowance to noncurrent loans | 38.8279% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 1.8139% | 2,256 |
| Noncurrent loans to loans | 2.1684% | 2,041 |
| Net loans and leases to total assets | 78.5466% | 697 |
| Net loans and leases to deposits | 99.6922% | 478 |
| Net loans and leases to core deposits | 110.4506% | 567 |
| Total domestic deposits to total assets | 78.7891% | 5,787 |
| Equity capital to assets | 7.3357% | 6,448 |
| Core capital (leverage) ratio | 6.8880% | 6,608 |
| Tier 1 risk-based capital ratio | 9.9327% | 6,610 |
| Total risk-based capital ratio | 10.8882% | 6,649 |
| Memoranda: | ||
| Average total assets | $201,479,250 | 3,043 |
| Average earning assets | $191,486,750 | 2,956 |
| Average equity | $14,953,250 | 3,922 |
| Average total loans | $158,335,000 | 2,459 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 2,515 |
| Cost of funding earning assets | 2.1457% | 6 |
| Net interest margin | 2.2680% | 6,643 |
| Noninterest income to average assets | 0.1996% | 6,008 |
| Noninterest expense to average assets | 2.0574% | 5,948 |
| Loan and lease loss provision to assets | 0.0993% | 3,137 |
| Net operating income to assets | 0.2274% | 5,827 |
| Return on assets (ROA) | 0.2274% | 5,953 |
| Pretax return on assets | 0.1986% | 6,085 |
| Return on Equity (ROE) | 3.0520% | 5,601 |
| Retained earnings to average equity (ytd only) | 3.0520% | 4,377 |
| Net charge-offs to loans | -0.0013% | 5,504 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3524% | 1,290 |
| Assets per employee ($millions) | 6.8032% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8740% | 6,213 |
| Loan loss allowance to noncurrent loans | 39.5044% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 1.8153% | 2,391 |
| Noncurrent loans to loans | 2.2124% | 2,162 |
| Net loans and leases to total assets | 77.0755% | 861 |
| Net loans and leases to deposits | 97.5257% | 568 |
| Net loans and leases to core deposits | 108.2494% | 642 |
| Total domestic deposits to total assets | 79.0309% | 5,798 |
| Equity capital to assets | 7.3010% | 6,515 |
| Core capital (leverage) ratio | 6.9331% | 6,628 |
| Tier 1 risk-based capital ratio | 9.9876% | 6,634 |
| Total risk-based capital ratio | 10.9757% | 6,669 |
| Memoranda: | ||
| Average total assets | $201,415,670 | 3,055 |
| Average earning assets | $191,450,330 | 2,971 |
| Average equity | $15,006,330 | 3,944 |
| Average total loans | $157,863,330 | 2,467 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 2,298 |
| Cost of funding earning assets | 2.1448% | 6 |
| Net interest margin | 2.3193% | 6,676 |
| Noninterest income to average assets | 0.1979% | 6,059 |
| Noninterest expense to average assets | 2.0552% | 5,998 |
| Loan and lease loss provision to assets | 0.1000% | 3,009 |
| Net operating income to assets | 0.2459% | 5,738 |
| Return on assets (ROA) | 0.2459% | 5,860 |
| Pretax return on assets | 0.2479% | 5,965 |
| Return on Equity (ROE) | 3.2671% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.2671% | 4,290 |
| Net charge-offs to loans | -0.0025% | 5,177 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5241% | 1,578 |
| Assets per employee ($millions) | 6.2827% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 6,357 |
| Loan loss allowance to noncurrent loans | 38.0045% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 1.8463% | 2,551 |
| Noncurrent loans to loans | 2.2507% | 2,329 |
| Net loans and leases to total assets | 77.0809% | 712 |
| Net loans and leases to deposits | 98.0376% | 439 |
| Net loans and leases to core deposits | 107.8496% | 567 |
| Total domestic deposits to total assets | 78.6238% | 6,028 |
| Equity capital to assets | 7.5112% | 6,591 |
| Core capital (leverage) ratio | 7.0745% | 6,622 |
| Tier 1 risk-based capital ratio | 10.2462% | 6,649 |
| Total risk-based capital ratio | 11.2256% | 6,688 |
| Memoranda: | ||
| Average total assets | $200,075,500 | 3,094 |
| Average earning assets | $190,229,500 | 3,010 |
| Average equity | $15,059,000 | 3,988 |
| Average total loans | $157,447,500 | 2,490 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 2,622 |
| Cost of funding earning assets | 2.4529% | 9 |
| Net interest margin | 2.2417% | 6,863 |
| Noninterest income to average assets | 0.2160% | 5,882 |
| Noninterest expense to average assets | 2.0530% | 6,230 |
| Loan and lease loss provision to assets | 0.0139% | 5,733 |
| Net operating income to assets | 0.2300% | 5,701 |
| Return on assets (ROA) | 0.2300% | 5,896 |
| Pretax return on assets | 0.2778% | 5,864 |
| Return on Equity (ROE) | 3.1028% | 5,516 |
| Retained earnings to average equity (ytd only) | 3.1028% | 4,051 |
| Net charge-offs to loans | 0.1576% | 4,121 |
| Credit loss provision to net charge-offs | 11.2903% | 5,382 |
| Earnings coverage of net charge-offs (x) | 2.3629% | 4,228 |
| Efficiency ratio | 87.5584% | 1,280 |
| Assets per employee ($millions) | 6.6368% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 6,466 |
| Loan loss allowance to noncurrent loans | 41.3505% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 1.6594% | 2,909 |
| Noncurrent loans to loans | 1.9610% | 2,731 |
| Net loans and leases to total assets | 79.0055% | 564 |
| Net loans and leases to deposits | 100.6804% | 386 |
| Net loans and leases to core deposits | 110.4554% | 533 |
| Total domestic deposits to total assets | 78.4717% | 6,000 |
| Equity capital to assets | 7.5423% | 6,614 |
| Core capital (leverage) ratio | 7.1241% | 6,660 |
| Tier 1 risk-based capital ratio | 10.1085% | 6,671 |
| Total risk-based capital ratio | 11.0472% | 6,719 |
| Memoranda: | ||
| Average total assets | $200,881,000 | 3,027 |
| Average earning assets | $190,750,800 | 2,946 |
| Average equity | $14,890,000 | 3,986 |
| Average total loans | $157,392,800 | 2,466 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7204% | 2,713 |
| Cost of funding earning assets | 2.5220% | 6 |
| Net interest margin | 2.1983% | 6,993 |
| Noninterest income to average assets | 0.2139% | 6,009 |
| Noninterest expense to average assets | 2.0702% | 6,223 |
| Loan and lease loss provision to assets | 0.0179% | 5,578 |
| Net operating income to assets | 0.1556% | 6,025 |
| Return on assets (ROA) | 0.1556% | 6,178 |
| Pretax return on assets | 0.2126% | 6,101 |
| Return on Equity (ROE) | 2.1088% | 5,993 |
| Retained earnings to average equity (ytd only) | 2.1088% | 5,269 |
| Net charge-offs to loans | 0.1765% | 3,698 |
| Credit loss provision to net charge-offs | 12.9808% | 5,042 |
| Earnings coverage of net charge-offs (x) | 1.6731% | 4,436 |
| Efficiency ratio | 89.9827% | 1,046 |
| Assets per employee ($millions) | 6.8329% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 6,500 |
| Loan loss allowance to noncurrent loans | 40.6317% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 1.7436% | 2,991 |
| Noncurrent loans to loans | 2.0966% | 2,741 |
| Net loans and leases to total assets | 77.8263% | 754 |
| Net loans and leases to deposits | 99.1813% | 483 |
| Net loans and leases to core deposits | 110.2307% | 562 |
| Total domestic deposits to total assets | 78.4688% | 5,974 |
| Equity capital to assets | 7.5961% | 6,747 |
| Core capital (leverage) ratio | 6.9387% | 6,809 |
| Tier 1 risk-based capital ratio | 10.0812% | 6,778 |
| Total risk-based capital ratio | 11.0556% | 6,824 |
| Memoranda: | ||
| Average total assets | $201,325,000 | 3,057 |
| Average earning assets | $191,110,500 | 2,978 |
| Average equity | $14,858,250 | 4,036 |
| Average total loans | $157,093,500 | 2,495 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 2,987 |
| Cost of funding earning assets | 2.5419% | 8 |
| Net interest margin | 2.1422% | 7,065 |
| Noninterest income to average assets | 0.2342% | 5,892 |
| Noninterest expense to average assets | 2.0812% | 6,260 |
| Loan and lease loss provision to assets | 0.0366% | 5,219 |
| Net operating income to assets | 0.1265% | 6,101 |
| Return on assets (ROA) | 0.1265% | 6,263 |
| Pretax return on assets | 0.1502% | 6,228 |
| Return on Equity (ROE) | 1.7305% | 6,121 |
| Retained earnings to average equity (ytd only) | 1.7305% | 5,329 |
| Net charge-offs to loans | 0.0888% | 4,260 |
| Credit loss provision to net charge-offs | 52.8571% | 3,980 |
| Earnings coverage of net charge-offs (x) | 2.7000% | 3,661 |
| Efficiency ratio | 91.7647% | 939 |
| Assets per employee ($millions) | 6.8194% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 6,369 |
| Loan loss allowance to noncurrent loans | 47.7317% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.6033% | 3,313 |
| Noncurrent loans to loans | 1.9591% | 2,992 |
| Net loans and leases to total assets | 76.2750% | 934 |
| Net loans and leases to deposits | 96.2949% | 610 |
| Net loans and leases to core deposits | 108.3398% | 648 |
| Total domestic deposits to total assets | 79.2098% | 5,918 |
| Equity capital to assets | 7.2954% | 6,848 |
| Core capital (leverage) ratio | 6.7333% | 6,879 |
| Tier 1 risk-based capital ratio | 9.8395% | 6,864 |
| Total risk-based capital ratio | 10.9070% | 6,888 |
| Memoranda: | ||
| Average total assets | $202,382,000 | 3,057 |
| Average earning assets | $192,136,670 | 2,969 |
| Average equity | $14,793,670 | 4,032 |
| Average total loans | $157,611,000 | 2,494 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 2,933 |
| Cost of funding earning assets | 2.5732% | 6 |
| Net interest margin | 2.1565% | 7,106 |
| Noninterest income to average assets | 0.2842% | 5,598 |
| Noninterest expense to average assets | 2.1045% | 6,263 |
| Loan and lease loss provision to assets | 0.0497% | 4,787 |
| Net operating income to assets | 0.1471% | 6,126 |
| Return on assets (ROA) | 0.1471% | 6,255 |
| Pretax return on assets | 0.1769% | 6,242 |
| Return on Equity (ROE) | 2.0098% | 6,073 |
| Retained earnings to average equity (ytd only) | 2.0098% | 5,262 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2813% | 1,074 |
| Assets per employee ($millions) | 6.7446% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 6,345 |
| Loan loss allowance to noncurrent loans | 37.4053% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 2.0229% | 2,864 |
| Noncurrent loans to loans | 2.5988% | 2,508 |
| Net loans and leases to total assets | 77.0818% | 692 |
| Net loans and leases to deposits | 97.4879% | 460 |
| Net loans and leases to core deposits | 108.2526% | 601 |
| Total domestic deposits to total assets | 79.0681% | 6,059 |
| Equity capital to assets | 7.2814% | 6,855 |
| Core capital (leverage) ratio | 6.7584% | 6,918 |
| Tier 1 risk-based capital ratio | 9.8285% | 6,908 |
| Total risk-based capital ratio | 10.9467% | 6,933 |
| Memoranda: | ||
| Average total assets | $201,282,000 | 3,091 |
| Average earning assets | $191,046,000 | 3,009 |
| Average equity | $14,728,000 | 4,049 |
| Average total loans | $157,657,500 | 2,516 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 3,919 |
| Cost of funding earning assets | 2.7963% | 12 |
| Net interest margin | 1.9797% | 7,225 |
| Noninterest income to average assets | 0.2020% | 6,059 |
| Noninterest expense to average assets | 2.0706% | 6,548 |
| Loan and lease loss provision to assets | 0.0320% | 6,164 |
| Net operating income to assets | -0.0192% | 6,069 |
| Return on assets (ROA) | 0.0207% | 6,119 |
| Pretax return on assets | 0.0133% | 6,102 |
| Return on Equity (ROE) | 0.2876% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.2876% | 5,698 |
| Net charge-offs to loans | 0.0116% | 6,269 |
| Credit loss provision to net charge-offs | 361.1111% | 640 |
| Earnings coverage of net charge-offs (x) | 0.6111% | 5,365 |
| Efficiency ratio | 99.7390% | 682 |
| Assets per employee ($millions) | 7.1510% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 6,383 |
| Loan loss allowance to noncurrent loans | 36.7855% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 2.1346% | 2,811 |
| Noncurrent loans to loans | 2.5941% | 2,523 |
| Net loans and leases to total assets | 78.0679% | 700 |
| Net loans and leases to deposits | 98.9623% | 505 |
| Net loans and leases to core deposits | 109.7203% | 630 |
| Total domestic deposits to total assets | 78.8865% | 6,017 |
| Equity capital to assets | 7.3532% | 6,867 |
| Core capital (leverage) ratio | 6.8142% | 6,915 |
| Tier 1 risk-based capital ratio | 9.9379% | 6,869 |
| Total risk-based capital ratio | 11.0549% | 6,892 |
| Memoranda: | ||
| Average total assets | $202,985,800 | 3,025 |
| Average earning assets | $192,147,000 | 2,944 |
| Average equity | $14,603,000 | 3,987 |
| Average total loans | $155,389,400 | 2,559 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7815% | 4,100 |
| Cost of funding earning assets | 2.8463% | 14 |
| Net interest margin | 1.9351% | 7,312 |
| Noninterest income to average assets | 0.2029% | 6,153 |
| Noninterest expense to average assets | 2.0686% | 6,552 |
| Loan and lease loss provision to assets | 0.0288% | 6,077 |
| Net operating income to assets | -0.0674% | 6,245 |
| Return on assets (ROA) | -0.0144% | 6,278 |
| Pretax return on assets | -0.0105% | 6,242 |
| Return on Equity (ROE) | -0.2013% | 6,287 |
| Retained earnings to average equity (ytd only) | -0.2013% | 6,008 |
| Net charge-offs to loans | 0.0155% | 5,935 |
| Credit loss provision to net charge-offs | 244.4444% | 1,173 |
| Earnings coverage of net charge-offs (x) | -2.9442% | 6,058 |
| Efficiency ratio | 101.7058% | 612 |
| Assets per employee ($millions) | 7.0994% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 6,443 |
| Loan loss allowance to noncurrent loans | 34.9247% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 2.2618% | 2,827 |
| Noncurrent loans to loans | 2.7302% | 2,566 |
| Net loans and leases to total assets | 77.5978% | 758 |
| Net loans and leases to deposits | 98.5529% | 546 |
| Net loans and leases to core deposits | 110.9607% | 634 |
| Total domestic deposits to total assets | 78.7372% | 6,037 |
| Equity capital to assets | 7.3779% | 6,959 |
| Core capital (leverage) ratio | 6.6910% | 7,037 |
| Tier 1 risk-based capital ratio | 10.0777% | 6,931 |
| Total risk-based capital ratio | 11.1996% | 6,954 |
| Memoranda: | ||
| Average total assets | $203,675,500 | 3,035 |
| Average earning assets | $192,711,000 | 2,949 |
| Average equity | $14,573,000 | 4,014 |
| Average total loans | $154,782,000 | 2,593 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 4,281 |
| Cost of funding earning assets | 2.8040% | 16 |
| Net interest margin | 1.9493% | 7,378 |
| Noninterest income to average assets | 0.2046% | 6,202 |
| Noninterest expense to average assets | 2.1120% | 6,572 |
| Loan and lease loss provision to assets | 0.0205% | 6,034 |
| Net operating income to assets | -0.0857% | 6,332 |
| Return on assets (ROA) | -0.0857% | 6,388 |
| Pretax return on assets | -0.0838% | 6,347 |
| Return on Equity (ROE) | -1.2103% | 6,426 |
| Retained earnings to average equity (ytd only) | -1.2103% | 6,093 |
| Net charge-offs to loans | 0.0078% | 5,752 |
| Credit loss provision to net charge-offs | 350.0000% | 878 |
| Earnings coverage of net charge-offs (x) | -10.8333% | 5,830 |
| Efficiency ratio | 103.0908% | 632 |
| Assets per employee ($millions) | 7.6012% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 6,544 |
| Loan loss allowance to noncurrent loans | 34.4634% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 2.2029% | 2,979 |
| Noncurrent loans to loans | 2.7288% | 2,667 |
| Net loans and leases to total assets | 75.6510% | 1,128 |
| Net loans and leases to deposits | 96.2071% | 709 |
| Net loans and leases to core deposits | 108.3189% | 797 |
| Total domestic deposits to total assets | 78.6334% | 6,166 |
| Equity capital to assets | 7.1339% | 7,074 |
| Core capital (leverage) ratio | 6.5802% | 7,109 |
| Tier 1 risk-based capital ratio | 9.9925% | 6,975 |
| Total risk-based capital ratio | 11.0955% | 7,020 |
| Memoranda: | ||
| Average total assets | $205,306,000 | 3,030 |
| Average earning assets | $194,221,330 | 2,946 |
| Average equity | $14,542,000 | 4,001 |
| Average total loans | $154,463,670 | 2,616 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 4,153 |
| Cost of funding earning assets | 2.8347% | 15 |
| Net interest margin | 1.9447% | 7,422 |
| Noninterest income to average assets | 0.2006% | 6,289 |
| Noninterest expense to average assets | 2.1447% | 6,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1675% | 6,527 |
| Return on assets (ROA) | -0.1675% | 6,544 |
| Pretax return on assets | -0.1052% | 6,455 |
| Return on Equity (ROE) | -2.3736% | 6,623 |
| Retained earnings to average equity (ytd only) | -2.3736% | 6,205 |
| Net charge-offs to loans | 0.0183% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -7.7143% | 5,048 |
| Efficiency ratio | 105.1576% | 595 |
| Assets per employee ($millions) | 7.4970% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 6,562 |
| Loan loss allowance to noncurrent loans | 29.6206% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 2.5423% | 2,688 |
| Noncurrent loans to loans | 3.1942% | 2,348 |
| Net loans and leases to total assets | 75.0995% | 1,162 |
| Net loans and leases to deposits | 95.7225% | 711 |
| Net loans and leases to core deposits | 107.6174% | 862 |
| Total domestic deposits to total assets | 78.4555% | 6,305 |
| Equity capital to assets | 7.1303% | 7,044 |
| Core capital (leverage) ratio | 6.4921% | 7,172 |
| Tier 1 risk-based capital ratio | 10.1268% | 6,961 |
| Total risk-based capital ratio | 11.2312% | 7,011 |
| Memoranda: | ||
| Average total assets | $205,343,000 | 3,046 |
| Average earning assets | $194,166,500 | 2,955 |
| Average equity | $14,492,500 | 3,993 |
| Average total loans | $153,328,500 | 2,658 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 5,471 |
| Cost of funding earning assets | 2.9176% | 34 |
| Net interest margin | 1.8672% | 7,492 |
| Noninterest income to average assets | 0.1768% | 6,477 |
| Noninterest expense to average assets | 1.9087% | 7,145 |
| Loan and lease loss provision to assets | 0.1896% | 5,335 |
| Net operating income to assets | -0.6655% | 6,490 |
| Return on assets (ROA) | -0.6518% | 6,515 |
| Pretax return on assets | -0.1466% | 6,041 |
| Return on Equity (ROE) | -9.0615% | 6,678 |
| Retained earnings to average equity (ytd only) | -9.0615% | 6,595 |
| Net charge-offs to loans | 0.1122% | 5,755 |
| Credit loss provision to net charge-offs | 228.7293% | 1,285 |
| Earnings coverage of net charge-offs (x) | 0.3536% | 5,751 |
| Efficiency ratio | 98.4874% | 855 |
| Assets per employee ($millions) | 8.0103% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 6,567 |
| Loan loss allowance to noncurrent loans | 30.7871% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 2.3086% | 2,960 |
| Noncurrent loans to loans | 3.0935% | 2,465 |
| Net loans and leases to total assets | 72.8537% | 1,914 |
| Net loans and leases to deposits | 92.7576% | 1,167 |
| Net loans and leases to core deposits | 106.2602% | 1,176 |
| Total domestic deposits to total assets | 78.5421% | 6,205 |
| Equity capital to assets | 6.9872% | 7,115 |
| Core capital (leverage) ratio | 6.4719% | 7,201 |
| Tier 1 risk-based capital ratio | 10.3299% | 6,808 |
| Total risk-based capital ratio | 11.4458% | 6,853 |
| Memoranda: | ||
| Average total assets | $218,320,400 | 2,893 |
| Average earning assets | $205,922,800 | 2,798 |
| Average equity | $15,703,800 | 3,817 |
| Average total loans | $161,289,800 | 2,599 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 5,348 |
| Cost of funding earning assets | 2.9246% | 39 |
| Net interest margin | 1.9572% | 7,590 |
| Noninterest income to average assets | 0.1697% | 6,666 |
| Noninterest expense to average assets | 1.9097% | 7,195 |
| Loan and lease loss provision to assets | 0.0127% | 6,905 |
| Net operating income to assets | 0.0833% | 5,810 |
| Return on assets (ROA) | 0.0833% | 5,951 |
| Pretax return on assets | 0.0918% | 5,924 |
| Return on Equity (ROE) | 1.1506% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.1506% | 5,360 |
| Net charge-offs to loans | 0.1518% | 5,090 |
| Credit loss provision to net charge-offs | 11.2903% | 6,327 |
| Earnings coverage of net charge-offs (x) | 0.9301% | 5,134 |
| Efficiency ratio | 94.8141% | 954 |
| Assets per employee ($millions) | 8.0915% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 7,243 |
| Loan loss allowance to noncurrent loans | 25.6590% | 6,597 |
| Noncurrent assets plus other real estate owned to assets | 2.0102% | 3,456 |
| Noncurrent loans to loans | 2.6282% | 2,997 |
| Net loans and leases to total assets | 74.2820% | 1,744 |
| Net loans and leases to deposits | 95.7215% | 1,017 |
| Net loans and leases to core deposits | 110.4457% | 1,012 |
| Total domestic deposits to total assets | 77.6022% | 6,345 |
| Equity capital to assets | 7.6633% | 7,025 |
| Core capital (leverage) ratio | 6.4927% | 7,339 |
| Tier 1 risk-based capital ratio | 10.4376% | 6,812 |
| Total risk-based capital ratio | 11.2428% | 7,063 |
| Memoranda: | ||
| Average total assets | $220,833,500 | 2,903 |
| Average earning assets | $208,116,750 | 2,812 |
| Average equity | $15,991,750 | 3,807 |
| Average total loans | $163,314,750 | 2,612 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 5,599 |
| Cost of funding earning assets | 2.9007% | 48 |
| Net interest margin | 1.9514% | 7,653 |
| Noninterest income to average assets | 0.1605% | 6,747 |
| Noninterest expense to average assets | 1.8911% | 7,280 |
| Loan and lease loss provision to assets | 0.0187% | 6,739 |
| Net operating income to assets | 0.0820% | 5,917 |
| Return on assets (ROA) | 0.0820% | 6,022 |
| Pretax return on assets | 0.0909% | 5,995 |
| Return on Equity (ROE) | 1.1537% | 5,900 |
| Retained earnings to average equity (ytd only) | 1.1537% | 5,290 |
| Net charge-offs to loans | 0.0073% | 6,258 |
| Credit loss provision to net charge-offs | 350.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,215 |
| Efficiency ratio | 94.5187% | 1,041 |
| Assets per employee ($millions) | 8.2729% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 7,105 |
| Loan loss allowance to noncurrent loans | 21.8064% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 2.5899% | 2,804 |
| Noncurrent loans to loans | 3.5104% | 2,252 |
| Net loans and leases to total assets | 72.0224% | 2,399 |
| Net loans and leases to deposits | 92.2708% | 1,484 |
| Net loans and leases to core deposits | 109.7389% | 1,182 |
| Total domestic deposits to total assets | 78.0555% | 6,257 |
| Equity capital to assets | 7.1814% | 7,283 |
| Core capital (leverage) ratio | 6.2426% | 7,443 |
| Tier 1 risk-based capital ratio | 9.9301% | 7,068 |
| Total risk-based capital ratio | 10.8280% | 7,234 |
| Memoranda: | ||
| Average total assets | $224,318,670 | 2,877 |
| Average earning assets | $211,536,670 | 2,797 |
| Average equity | $15,948,330 | 3,809 |
| Average total loans | $165,308,330 | 2,620 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 5,418 |
| Cost of funding earning assets | 2.9057% | 57 |
| Net interest margin | 2.0038% | 7,720 |
| Noninterest income to average assets | 0.1726% | 6,735 |
| Noninterest expense to average assets | 1.9218% | 7,296 |
| Loan and lease loss provision to assets | 0.0374% | 6,304 |
| Net operating income to assets | 0.0907% | 6,048 |
| Return on assets (ROA) | 0.0907% | 6,146 |
| Pretax return on assets | 0.1032% | 6,123 |
| Return on Equity (ROE) | 1.2829% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.2829% | 5,298 |
| Net charge-offs to loans | 0.0072% | 5,496 |
| Credit loss provision to net charge-offs | 700.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 960 |
| Efficiency ratio | 93.1838% | 1,187 |
| Assets per employee ($millions) | 8.2311% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 7,237 |
| Loan loss allowance to noncurrent loans | 24.5947% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 2.3182% | 3,129 |
| Noncurrent loans to loans | 3.0637% | 2,611 |
| Net loans and leases to total assets | 73.7276% | 2,027 |
| Net loans and leases to deposits | 94.4463% | 1,302 |
| Net loans and leases to core deposits | 118.7831% | 835 |
| Total domestic deposits to total assets | 78.0630% | 6,305 |
| Equity capital to assets | 7.1877% | 7,291 |
| Core capital (leverage) ratio | 6.1876% | 7,549 |
| Tier 1 risk-based capital ratio | 9.7603% | 7,171 |
| Total risk-based capital ratio | 10.6457% | 7,355 |
| Memoranda: | ||
| Average total assets | $224,794,000 | 2,931 |
| Average earning assets | $211,999,000 | 2,855 |
| Average equity | $15,902,000 | 3,846 |
| Average total loans | $166,904,500 | 2,662 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1680% | 5,799 |
| Cost of funding earning assets | 3.3922% | 67 |
| Net interest margin | 1.7758% | 7,813 |
| Noninterest income to average assets | 0.1862% | 6,758 |
| Noninterest expense to average assets | 1.8728% | 7,538 |
| Loan and lease loss provision to assets | 0.0817% | 6,792 |
| Net operating income to assets | -0.0750% | 5,635 |
| Return on assets (ROA) | 0.0725% | 5,329 |
| Pretax return on assets | 0.0594% | 5,300 |
| Return on Equity (ROE) | 1.0854% | 5,211 |
| Retained earnings to average equity (ytd only) | 1.0854% | 4,283 |
| Net charge-offs to loans | 0.0118% | 7,063 |
| Credit loss provision to net charge-offs | 923.8095% | 318 |
| Earnings coverage of net charge-offs (x) | -0.7143% | 6,815 |
| Efficiency ratio | 100.3386% | 1,083 |
| Assets per employee ($millions) | 8.7441% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 7,320 |
| Loan loss allowance to noncurrent loans | 21.1416% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 2.5921% | 2,705 |
| Noncurrent loans to loans | 3.4372% | 2,215 |
| Net loans and leases to total assets | 73.6698% | 2,343 |
| Net loans and leases to deposits | 94.7206% | 1,499 |
| Net loans and leases to core deposits | 136.4859% | 936 |
| Total domestic deposits to total assets | 77.7758% | 6,276 |
| Equity capital to assets | 6.9629% | 7,387 |
| Core capital (leverage) ratio | 5.9389% | 7,643 |
| Tier 1 risk-based capital ratio | 9.6654% | 7,121 |
| Total risk-based capital ratio | 10.5268% | 7,340 |
| Memoranda: | ||
| Average total assets | $237,343,600 | 2,741 |
| Average earning assets | $224,574,000 | 2,656 |
| Average equity | $15,846,200 | 3,894 |
| Average total loans | $178,595,400 | 2,532 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2148% | 5,817 |
| Cost of funding earning assets | 3.4562% | 89 |
| Net interest margin | 1.7586% | 7,896 |
| Noninterest income to average assets | 0.1868% | 6,880 |
| Noninterest expense to average assets | 1.7789% | 7,678 |
| Loan and lease loss provision to assets | 0.0634% | 6,726 |
| Net operating income to assets | 0.0334% | 5,642 |
| Return on assets (ROA) | 0.0645% | 5,607 |
| Pretax return on assets | 0.0406% | 5,628 |
| Return on Equity (ROE) | 0.9758% | 5,505 |
| Retained earnings to average equity (ytd only) | 0.9758% | 4,766 |
| Net charge-offs to loans | 0.0118% | 6,769 |
| Credit loss provision to net charge-offs | 712.5000% | 526 |
| Earnings coverage of net charge-offs (x) | 8.1885% | 2,293 |
| Efficiency ratio | 96.0672% | 1,272 |
| Assets per employee ($millions) | 8.2749% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6701% | 7,444 |
| Loan loss allowance to noncurrent loans | 26.5820% | 6,688 |
| Noncurrent assets plus other real estate owned to assets | 1.8044% | 3,650 |
| Noncurrent loans to loans | 2.5208% | 2,986 |
| Net loans and leases to total assets | 71.0997% | 3,245 |
| Net loans and leases to deposits | 91.9229% | 2,246 |
| Net loans and leases to core deposits | 137.0321% | 1,051 |
| Total domestic deposits to total assets | 77.3470% | 6,251 |
| Equity capital to assets | 6.7137% | 7,703 |
| Core capital (leverage) ratio | 5.7332% | 7,846 |
| Tier 1 risk-based capital ratio | 9.3750% | 7,446 |
| Total risk-based capital ratio | 10.1930% | 7,665 |
| Memoranda: | ||
| Average total assets | $239,842,750 | 2,739 |
| Average earning assets | $227,064,000 | 2,641 |
| Average equity | $15,850,250 | 3,945 |
| Average total loans | $181,066,250 | 2,530 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 5,695 |
| Cost of funding earning assets | 3.4950% | 116 |
| Net interest margin | 1.7955% | 7,944 |
| Noninterest income to average assets | 0.1835% | 6,982 |
| Noninterest expense to average assets | 1.8649% | 7,665 |
| Loan and lease loss provision to assets | 0.0534% | 6,692 |
| Net operating income to assets | 0.0146% | 5,795 |
| Return on assets (ROA) | 0.0259% | 5,852 |
| Pretax return on assets | -0.0175% | 5,886 |
| Return on Equity (ROE) | 0.3933% | 5,814 |
| Retained earnings to average equity (ytd only) | 0.3933% | 5,060 |
| Net charge-offs to loans | 0.0152% | 6,321 |
| Credit loss provision to net charge-offs | 457.1429% | 1,013 |
| Earnings coverage of net charge-offs (x) | 1.5714% | 4,361 |
| Efficiency ratio | 99.0257% | 1,227 |
| Assets per employee ($millions) | 8.2513% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 7,617 |
| Loan loss allowance to noncurrent loans | 34.1169% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 1.3511% | 4,251 |
| Noncurrent loans to loans | 1.7909% | 3,815 |
| Net loans and leases to total assets | 74.9824% | 2,439 |
| Net loans and leases to deposits | 96.8268% | 1,682 |
| Net loans and leases to core deposits | 139.3953% | 1,041 |
| Total domestic deposits to total assets | 77.4397% | 6,218 |
| Equity capital to assets | 6.5549% | 7,805 |
| Core capital (leverage) ratio | 5.7117% | 7,963 |
| Tier 1 risk-based capital ratio | 9.1653% | 7,611 |
| Total risk-based capital ratio | 9.9154% | 7,861 |
| Memoranda: | ||
| Average total assets | $239,799,330 | 2,755 |
| Average earning assets | $227,010,670 | 2,667 |
| Average equity | $15,763,330 | 3,966 |
| Average total loans | $184,164,670 | 2,520 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 5,626 |
| Cost of funding earning assets | 3.5262% | 141 |
| Net interest margin | 1.8317% | 7,965 |
| Noninterest income to average assets | 0.1866% | 6,956 |
| Noninterest expense to average assets | 1.7846% | 7,720 |
| Loan and lease loss provision to assets | 0.0450% | 6,408 |
| Net operating income to assets | 0.0933% | 5,999 |
| Return on assets (ROA) | 0.0966% | 6,155 |
| Pretax return on assets | 0.0950% | 6,179 |
| Return on Equity (ROE) | 1.4681% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.4681% | 5,029 |
| Net charge-offs to loans | 0.0065% | 5,597 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,139 |
| Efficiency ratio | 92.8881% | 1,508 |
| Assets per employee ($millions) | 8.3101% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5882% | 7,677 |
| Loan loss allowance to noncurrent loans | 75.6320% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5909% | 5,708 |
| Noncurrent loans to loans | 0.7777% | 5,491 |
| Net loans and leases to total assets | 75.5341% | 2,384 |
| Net loans and leases to deposits | 98.4739% | 1,601 |
| Net loans and leases to core deposits | 145.9888% | 861 |
| Total domestic deposits to total assets | 76.7047% | 6,360 |
| Equity capital to assets | 6.6180% | 7,835 |
| Core capital (leverage) ratio | 5.7188% | 8,051 |
| Tier 1 risk-based capital ratio | 9.3033% | 7,587 |
| Total risk-based capital ratio | 10.0347% | 7,940 |
| Memoranda: | ||
| Average total assets | $240,055,000 | 2,765 |
| Average earning assets | $227,326,500 | 2,674 |
| Average equity | $15,802,500 | 3,983 |
| Average total loans | $185,983,500 | 2,519 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5272% | 7,233 |
| Cost of funding earning assets | 3.7413% | 236 |
| Net interest margin | 1.7859% | 8,132 |
| Noninterest income to average assets | 0.1584% | 7,289 |
| Noninterest expense to average assets | 1.7998% | 7,756 |
| Loan and lease loss provision to assets | 0.0413% | 6,898 |
| Net operating income to assets | 0.0305% | 6,280 |
| Return on assets (ROA) | -0.3698% | 6,670 |
| Pretax return on assets | -0.6175% | 6,757 |
| Return on Equity (ROE) | -5.6715% | 6,933 |
| Retained earnings to average equity (ytd only) | -5.6715% | 6,615 |
| Net charge-offs to loans | 0.0053% | 6,903 |
| Credit loss provision to net charge-offs | 980.0000% | 459 |
| Earnings coverage of net charge-offs (x) | 11.7000% | 2,345 |
| Efficiency ratio | 97.3349% | 1,083 |
| Assets per employee ($millions) | 7.2460% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5576% | 7,751 |
| Loan loss allowance to noncurrent loans | 151.2931% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 6,421 |
| Noncurrent loans to loans | 0.3685% | 6,259 |
| Net loans and leases to total assets | 78.5410% | 1,996 |
| Net loans and leases to deposits | 103.3434% | 1,420 |
| Net loans and leases to core deposits | 147.6385% | 955 |
| Total domestic deposits to total assets | 76.0000% | 6,239 |
| Equity capital to assets | 6.5474% | 7,923 |
| Core capital (leverage) ratio | 5.7398% | 8,137 |
| Tier 1 risk-based capital ratio | 9.3096% | 7,511 |
| Total risk-based capital ratio | 10.0312% | 7,986 |
| Memoranda: | ||
| Average total assets | $237,412,600 | 2,677 |
| Average earning assets | $224,762,400 | 2,603 |
| Average equity | $15,481,000 | 4,029 |
| Average total loans | $187,719,400 | 2,423 |