Home > Sharon Bank > Performance and Condition Ratios
Sharon 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 | 5.1183% | 1,822 |
| Cost of funding earning assets | 1.4605% | 2,047 |
| Net interest margin | 3.6578% | 1,842 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 3.5338% | 557 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.2533% | 4,091 |
| Return on assets (ROA) | 0.2533% | 4,099 |
| Pretax return on assets | 0.2533% | 4,138 |
| Return on Equity (ROE) | 2.7300% | 4,063 |
| Retained earnings to average equity (ytd only) | 1.6803% | 3,659 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.8316% | 334 |
| Assets per employee ($millions) | 4.1594% | 4,103 |
| Cash dividends to net income (ytd only)* | 38.5514% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 3,644 |
| Loan loss allowance to noncurrent loans | 685.9756% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 1,022 |
| Noncurrent loans to loans | 0.1342% | 2,835 |
| Net loans and leases to total assets | 72.7600% | 1,494 |
| Net loans and leases to deposits | 88.9077% | 1,347 |
| Net loans and leases to core deposits | 96.0086% | 1,655 |
| Total domestic deposits to total assets | 81.8400% | 3,159 |
| Equity capital to assets | 9.6319% | 2,255 |
| Core capital (leverage) ratio | 9.9627% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $168,939,400 | 3,197 |
| Average earning assets | $153,233,600 | 3,220 |
| Average equity | $15,651,800 | 3,211 |
| Average total loans | $120,970,400 | 2,944 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0370% | 1,760 |
| Cost of funding earning assets | 1.2991% | 2,151 |
| Net interest margin | 3.7379% | 1,706 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.5561% | 514 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.1046% | 4,315 |
| Return on assets (ROA) | 0.1046% | 4,335 |
| Pretax return on assets | 0.1046% | 4,339 |
| Return on Equity (ROE) | 1.1400% | 4,298 |
| Retained earnings to average equity (ytd only) | 0.0857% | 4,091 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.7694% | 221 |
| Assets per employee ($millions) | 4.3873% | 4,008 |
| Cash dividends to net income (ytd only)* | 92.4812% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 3,661 |
| Loan loss allowance to noncurrent loans | 1,356.6265% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 1,195 |
| Noncurrent loans to loans | 0.0679% | 3,275 |
| Net loans and leases to total assets | 70.7700% | 1,734 |
| Net loans and leases to deposits | 88.2991% | 1,359 |
| Net loans and leases to core deposits | 92.7295% | 1,754 |
| Total domestic deposits to total assets | 80.1500% | 3,505 |
| Equity capital to assets | 9.0039% | 2,411 |
| Core capital (leverage) ratio | 9.6410% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $169,580,750 | 3,204 |
| Average earning assets | $153,738,000 | 3,228 |
| Average equity | $15,558,500 | 3,209 |
| Average total loans | $120,666,250 | 2,950 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 1,584 |
| Cost of funding earning assets | 1.1339% | 2,186 |
| Net interest margin | 3.8546% | 1,515 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 3.5854% | 482 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.1845% | 4,297 |
| Return on assets (ROA) | 0.1845% | 4,320 |
| Pretax return on assets | 0.1845% | 4,335 |
| Return on Equity (ROE) | 2.0000% | 4,272 |
| Retained earnings to average equity (ytd only) | 0.9610% | 3,921 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 94.8076% | 246 |
| Assets per employee ($millions) | 4.2772% | 4,069 |
| Cash dividends to net income (ytd only)* | 51.9231% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7168% | 4,156 |
| Loan loss allowance to noncurrent loans | 480.0000% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 1,007 |
| Noncurrent loans to loans | 0.1493% | 2,718 |
| Net loans and leases to total assets | 69.9400% | 1,747 |
| Net loans and leases to deposits | 89.2764% | 1,241 |
| Net loans and leases to core deposits | 92.2573% | 1,667 |
| Total domestic deposits to total assets | 78.3500% | 3,803 |
| Equity capital to assets | 9.2110% | 2,369 |
| Core capital (leverage) ratio | 9.7305% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $169,073,333 | 3,216 |
| Average earning assets | $153,270,000 | 3,245 |
| Average equity | $15,609,333 | 3,222 |
| Average total loans | $120,150,000 | 2,947 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 1,526 |
| Cost of funding earning assets | 0.9595% | 2,183 |
| Net interest margin | 3.8801% | 1,513 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 3.5034% | 533 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.2832% | 4,270 |
| Return on assets (ROA) | 0.2832% | 4,234 |
| Pretax return on assets | 0.2832% | 4,277 |
| Return on Equity (ROE) | 3.0600% | 4,180 |
| Retained earnings to average equity (ytd only) | 2.0084% | 3,702 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.9425% | 309 |
| Assets per employee ($millions) | 4.4314% | 4,061 |
| Cash dividends to net income (ytd only)* | 34.4538% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 4,229 |
| Loan loss allowance to noncurrent loans | 151.0490% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 629 |
| Noncurrent loans to loans | 0.4716% | 1,539 |
| Net loans and leases to total assets | 69.6800% | 1,660 |
| Net loans and leases to deposits | 89.8674% | 1,061 |
| Net loans and leases to core deposits | 92.2488% | 1,493 |
| Total domestic deposits to total assets | 77.5300% | 4,047 |
| Equity capital to assets | 8.9941% | 2,525 |
| Core capital (leverage) ratio | 10.1093% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $168,065,500 | 3,275 |
| Average earning assets | $152,160,000 | 3,300 |
| Average equity | $15,534,500 | 3,258 |
| Average total loans | $119,959,500 | 2,978 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 1,659 |
| Cost of funding earning assets | 0.5167% | 1,290 |
| Net interest margin | 3.5057% | 1,912 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 3.1673% | 759 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.3332% | 4,338 |
| Return on assets (ROA) | 0.3332% | 4,305 |
| Pretax return on assets | 0.3332% | 4,350 |
| Return on Equity (ROE) | 3.6900% | 4,203 |
| Retained earnings to average equity (ytd only) | 2.6581% | 3,811 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.6736% | 312 |
| Assets per employee ($millions) | 4.2975% | 4,146 |
| Cash dividends to net income (ytd only)* | 28.0551% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 4,183 |
| Loan loss allowance to noncurrent loans | 224.7368% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6883% | 702 |
| Noncurrent loans to loans | 0.3203% | 2,001 |
| Net loans and leases to total assets | 72.1300% | 1,400 |
| Net loans and leases to deposits | 90.2470% | 1,039 |
| Net loans and leases to core deposits | 91.7736% | 1,402 |
| Total domestic deposits to total assets | 79.9200% | 3,886 |
| Equity capital to assets | 9.5067% | 2,005 |
| Core capital (leverage) ratio | 10.3916% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $174,378,200 | 3,240 |
| Average earning assets | $159,853,600 | 3,248 |
| Average equity | $15,725,800 | 3,303 |
| Average total loans | $116,279,200 | 2,959 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 1,675 |
| Cost of funding earning assets | 0.5470% | 586 |
| Net interest margin | 3.2755% | 2,373 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 3.1205% | 759 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.1776% | 4,495 |
| Return on assets (ROA) | 0.1776% | 4,462 |
| Pretax return on assets | 0.1776% | 4,478 |
| Return on Equity (ROE) | 1.9900% | 4,410 |
| Retained earnings to average equity (ytd only) | 0.9635% | 4,219 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.4415% | 244 |
| Assets per employee ($millions) | 4.2115% | 4,216 |
| Cash dividends to net income (ytd only)* | 51.6949% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 4,194 |
| Loan loss allowance to noncurrent loans | 170.8000% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 666 |
| Noncurrent loans to loans | 0.4344% | 1,724 |
| Net loans and leases to total assets | 69.5500% | 1,522 |
| Net loans and leases to deposits | 80.4329% | 1,557 |
| Net loans and leases to core deposits | 81.9826% | 1,767 |
| Total domestic deposits to total assets | 86.4700% | 2,934 |
| Equity capital to assets | 9.3266% | 1,998 |
| Core capital (leverage) ratio | 9.7609% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $177,146,250 | 3,233 |
| Average earning assets | $163,064,000 | 3,246 |
| Average equity | $15,776,000 | 3,340 |
| Average total loans | $115,689,250 | 2,972 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 1,979 |
| Cost of funding earning assets | 0.6211% | 238 |
| Net interest margin | 2.9334% | 3,076 |
| Noninterest income to average assets | 0.2987% | 3,374 |
| Noninterest expense to average assets | 2.9794% | 869 |
| Loan and lease loss provision to assets | 0.0606% | 1,510 |
| Net operating income to assets | -0.0342% | 4,588 |
| Return on assets (ROA) | -0.0342% | 4,558 |
| Pretax return on assets | -0.0342% | 4,549 |
| Return on Equity (ROE) | -0.3892% | 4,565 |
| Retained earnings to average equity (ytd only) | -1.4189% | 4,333 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1199% | 200 |
| Assets per employee ($millions) | 4.4665% | 4,097 |
| Cash dividends to net income (ytd only)* | -264.5161% | 4,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7223% | 4,297 |
| Loan loss allowance to noncurrent loans | 60.6104% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 339 |
| Noncurrent loans to loans | 1.1917% | 671 |
| Net loans and leases to total assets | 67.3848% | 1,536 |
| Net loans and leases to deposits | 77.8009% | 1,556 |
| Net loans and leases to core deposits | 79.4954% | 1,748 |
| Total domestic deposits to total assets | 86.6119% | 3,073 |
| Equity capital to assets | 8.8982% | 2,451 |
| Core capital (leverage) ratio | 9.0693% | 3,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,445,000 | 3,233 |
| Average earning assets | $167,452,333 | 3,243 |
| Average equity | $15,928,333 | 3,410 |
| Average total loans | $115,887,000 | 2,991 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 2,302 |
| Cost of funding earning assets | 0.7523% | 114 |
| Net interest margin | 2.5746% | 3,724 |
| Noninterest income to average assets | 0.2550% | 3,616 |
| Noninterest expense to average assets | 3.0064% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.3696% | 4,682 |
| Return on assets (ROA) | -0.3696% | 4,666 |
| Pretax return on assets | -0.3696% | 4,654 |
| Return on Equity (ROE) | -4.2373% | 4,691 |
| Retained earnings to average equity (ytd only) | -5.2284% | 4,426 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0164% | 106 |
| Assets per employee ($millions) | 4.7609% | 3,955 |
| Cash dividends to net income (ytd only)* | -23.3918% | 4,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 4,402 |
| Loan loss allowance to noncurrent loans | 48.9583% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.2797% | 325 |
| Noncurrent loans to loans | 1.4104% | 604 |
| Net loans and leases to total assets | 61.8877% | 1,872 |
| Net loans and leases to deposits | 71.8565% | 1,790 |
| Net loans and leases to core deposits | 74.4622% | 1,902 |
| Total domestic deposits to total assets | 86.1268% | 3,216 |
| Equity capital to assets | 8.5553% | 3,112 |
| Core capital (leverage) ratio | 8.8056% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,071,500 | 3,203 |
| Average earning assets | $171,208,500 | 3,219 |
| Average equity | $16,142,500 | 3,458 |
| Average total loans | $114,714,000 | 3,004 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 2,447 |
| Cost of funding earning assets | 0.8797% | 134 |
| Net interest margin | 2.6967% | 3,879 |
| Noninterest income to average assets | 0.3759% | 3,182 |
| Noninterest expense to average assets | 2.7981% | 1,367 |
| Loan and lease loss provision to assets | 0.1056% | 1,193 |
| Net operating income to assets | -0.3114% | 4,735 |
| Return on assets (ROA) | -0.3114% | 4,742 |
| Pretax return on assets | -0.0352% | 4,696 |
| Return on Equity (ROE) | -3.4780% | 4,759 |
| Retained earnings to average equity (ytd only) | -4.4606% | 4,697 |
| Net charge-offs to loans | 0.1327% | 698 |
| Credit loss provision to net charge-offs | 127.7419% | 1,599 |
| Earnings coverage of net charge-offs (x) | 0.8516% | 2,633 |
| Efficiency ratio | 97.5465% | 176 |
| Assets per employee ($millions) | 4.8544% | 3,848 |
| Cash dividends to net income (ytd only)* | -28.2534% | 4,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7026% | 4,413 |
| Loan loss allowance to noncurrent loans | 401.5075% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 1,307 |
| Noncurrent loans to loans | 0.1750% | 3,076 |
| Net loans and leases to total assets | 61.2139% | 2,041 |
| Net loans and leases to deposits | 71.2717% | 1,983 |
| Net loans and leases to core deposits | 74.6430% | 2,024 |
| Total domestic deposits to total assets | 85.8881% | 2,949 |
| Equity capital to assets | 8.8904% | 3,726 |
| Core capital (leverage) ratio | 8.7737% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,557,800 | 3,150 |
| Average earning assets | $173,360,200 | 3,145 |
| Average equity | $16,791,400 | 3,482 |
| Average total loans | $116,835,400 | 2,979 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 2,677 |
| Cost of funding earning assets | 0.9038% | 144 |
| Net interest margin | 2.6523% | 4,053 |
| Noninterest income to average assets | 0.3837% | 3,184 |
| Noninterest expense to average assets | 2.8170% | 1,303 |
| Loan and lease loss provision to assets | 0.1402% | 807 |
| Net operating income to assets | -0.4906% | 4,825 |
| Return on assets (ROA) | -0.4906% | 4,834 |
| Pretax return on assets | -0.1239% | 4,782 |
| Return on Equity (ROE) | -5.4708% | 4,853 |
| Retained earnings to average equity (ytd only) | -6.4339% | 4,811 |
| Net charge-offs to loans | 0.1757% | 493 |
| Credit loss provision to net charge-offs | 127.7419% | 1,431 |
| Earnings coverage of net charge-offs (x) | 0.1484% | 2,408 |
| Efficiency ratio | 99.4253% | 163 |
| Assets per employee ($millions) | 4.7033% | 3,964 |
| Cash dividends to net income (ytd only)* | -17.6046% | 4,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6956% | 4,512 |
| Loan loss allowance to noncurrent loans | 162.3984% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 1,146 |
| Noncurrent loans to loans | 0.4283% | 2,275 |
| Net loans and leases to total assets | 60.6317% | 2,180 |
| Net loans and leases to deposits | 71.0136% | 2,142 |
| Net loans and leases to core deposits | 74.4130% | 2,197 |
| Total domestic deposits to total assets | 85.3804% | 2,993 |
| Equity capital to assets | 8.7875% | 4,009 |
| Core capital (leverage) ratio | 8.5602% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,330,250 | 3,178 |
| Average earning assets | $173,932,750 | 3,178 |
| Average equity | $16,889,250 | 3,518 |
| Average total loans | $117,614,500 | 3,012 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6067% | 2,601 |
| Cost of funding earning assets | 0.9247% | 164 |
| Net interest margin | 2.6821% | 4,016 |
| Noninterest income to average assets | 0.4193% | 3,006 |
| Noninterest expense to average assets | 2.7325% | 1,497 |
| Loan and lease loss provision to assets | 0.2102% | 520 |
| Net operating income to assets | -0.0478% | 4,784 |
| Return on assets (ROA) | -0.0478% | 4,794 |
| Pretax return on assets | -0.0478% | 4,795 |
| Return on Equity (ROE) | -0.5292% | 4,802 |
| Retained earnings to average equity (ytd only) | -1.4934% | 4,640 |
| Net charge-offs to loans | 0.2615% | 339 |
| Credit loss provision to net charge-offs | 127.7419% | 1,227 |
| Earnings coverage of net charge-offs (x) | 0.9871% | 2,178 |
| Efficiency ratio | 94.3894% | 248 |
| Assets per employee ($millions) | 4.8402% | 3,795 |
| Cash dividends to net income (ytd only)* | -182.2222% | 4,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6900% | 4,551 |
| Loan loss allowance to noncurrent loans | 46.8622% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 518 |
| Noncurrent loans to loans | 1.4724% | 775 |
| Net loans and leases to total assets | 59.3986% | 2,494 |
| Net loans and leases to deposits | 69.8326% | 2,430 |
| Net loans and leases to core deposits | 73.0894% | 2,508 |
| Total domestic deposits to total assets | 85.0585% | 3,069 |
| Equity capital to assets | 8.8983% | 3,892 |
| Core capital (leverage) ratio | 8.8389% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,396,667 | 3,187 |
| Average earning assets | $173,896,333 | 3,184 |
| Average equity | $17,008,333 | 3,510 |
| Average total loans | $118,530,667 | 3,020 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 2,552 |
| Cost of funding earning assets | 0.9554% | 168 |
| Net interest margin | 2.6722% | 4,023 |
| Noninterest income to average assets | 0.5964% | 2,227 |
| Noninterest expense to average assets | 2.6847% | 1,654 |
| Loan and lease loss provision to assets | 0.4263% | 171 |
| Net operating income to assets | -0.0517% | 4,791 |
| Return on assets (ROA) | -0.0517% | 4,797 |
| Pretax return on assets | -0.0517% | 4,798 |
| Return on Equity (ROE) | -0.5681% | 4,805 |
| Retained earnings to average equity (ytd only) | -1.5623% | 4,513 |
| Net charge-offs to loans | 0.5171% | 158 |
| Credit loss provision to net charge-offs | 127.7419% | 1,027 |
| Earnings coverage of net charge-offs (x) | 1.1226% | 1,867 |
| Efficiency ratio | 87.7551% | 455 |
| Assets per employee ($millions) | 4.8398% | 3,812 |
| Cash dividends to net income (ytd only)* | -175.0000% | 4,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6647% | 4,618 |
| Loan loss allowance to noncurrent loans | 44.8876% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3372% | 519 |
| Noncurrent loans to loans | 1.4807% | 847 |
| Net loans and leases to total assets | 63.2642% | 2,140 |
| Net loans and leases to deposits | 75.6679% | 1,946 |
| Net loans and leases to core deposits | 79.0521% | 2,092 |
| Total domestic deposits to total assets | 83.6077% | 3,543 |
| Equity capital to assets | 9.0558% | 3,627 |
| Core capital (leverage) ratio | 9.3446% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,790,500 | 3,195 |
| Average earning assets | $171,245,500 | 3,198 |
| Average equity | $16,898,500 | 3,519 |
| Average total loans | $119,896,000 | 3,019 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7080% | 3,555 |
| Cost of funding earning assets | 1.2454% | 226 |
| Net interest margin | 2.4626% | 4,620 |
| Noninterest income to average assets | 0.4438% | 2,898 |
| Noninterest expense to average assets | 3.1129% | 1,202 |
| Loan and lease loss provision to assets | 0.1038% | 3,037 |
| Net operating income to assets | -0.6673% | 4,897 |
| Return on assets (ROA) | -0.6673% | 4,901 |
| Pretax return on assets | -0.5239% | 4,882 |
| Return on Equity (ROE) | -7.0181% | 4,919 |
| Retained earnings to average equity (ytd only) | -9.6001% | 4,909 |
| Net charge-offs to loans | -0.0202% | 4,432 |
| Credit loss provision to net charge-offs | -859.0909% | 4,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6027% | 94 |
| Assets per employee ($millions) | 4.2518% | 4,178 |
| Cash dividends to net income (ytd only)* | -36.7901% | 4,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6322% | 4,682 |
| Loan loss allowance to noncurrent loans | 38.8290% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.4719% | 505 |
| Noncurrent loans to loans | 1.6282% | 810 |
| Net loans and leases to total assets | 64.9922% | 2,229 |
| Net loans and leases to deposits | 77.8888% | 2,083 |
| Net loans and leases to core deposits | 81.4253% | 2,237 |
| Total domestic deposits to total assets | 83.4424% | 3,280 |
| Equity capital to assets | 9.1365% | 3,946 |
| Core capital (leverage) ratio | 9.4603% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,079,800 | 3,085 |
| Average earning assets | $166,288,400 | 3,107 |
| Average equity | $17,312,400 | 3,432 |
| Average total loans | $108,893,000 | 3,107 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6619% | 3,890 |
| Cost of funding earning assets | 1.3064% | 238 |
| Net interest margin | 2.3555% | 4,752 |
| Noninterest income to average assets | 0.4970% | 2,624 |
| Noninterest expense to average assets | 3.1080% | 1,225 |
| Loan and lease loss provision to assets | 0.1061% | 2,992 |
| Net operating income to assets | -0.7609% | 4,924 |
| Return on assets (ROA) | -0.7609% | 4,933 |
| Pretax return on assets | -0.5696% | 4,906 |
| Return on Equity (ROE) | -7.9244% | 4,944 |
| Retained earnings to average equity (ytd only) | -11.0240% | 4,941 |
| Net charge-offs to loans | -0.0151% | 4,332 |
| Credit loss provision to net charge-offs | -1,208.3333% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5166% | 85 |
| Assets per employee ($millions) | 4.2466% | 4,100 |
| Cash dividends to net income (ytd only)* | -39.1137% | 5,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6259% | 4,691 |
| Loan loss allowance to noncurrent loans | 34.3781% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5257% | 553 |
| Noncurrent loans to loans | 1.8206% | 725 |
| Net loans and leases to total assets | 61.0395% | 3,109 |
| Net loans and leases to deposits | 73.8635% | 2,969 |
| Net loans and leases to core deposits | 77.1563% | 3,082 |
| Total domestic deposits to total assets | 82.6383% | 3,240 |
| Equity capital to assets | 9.2216% | 3,935 |
| Core capital (leverage) ratio | 9.2557% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,892,750 | 3,076 |
| Average earning assets | $165,847,250 | 3,097 |
| Average equity | $17,464,500 | 3,423 |
| Average total loans | $106,221,250 | 3,153 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 3,995 |
| Cost of funding earning assets | 1.3560% | 277 |
| Net interest margin | 2.3872% | 4,800 |
| Noninterest income to average assets | 0.5923% | 2,156 |
| Noninterest expense to average assets | 3.1763% | 1,201 |
| Loan and lease loss provision to assets | 0.1420% | 2,593 |
| Net operating income to assets | -0.5582% | 4,921 |
| Return on assets (ROA) | -0.5582% | 4,920 |
| Pretax return on assets | -0.5494% | 4,904 |
| Return on Equity (ROE) | -5.7376% | 4,938 |
| Retained earnings to average equity (ytd only) | -9.8682% | 4,916 |
| Net charge-offs to loans | -0.0038% | 3,937 |
| Credit loss provision to net charge-offs | -6,450.0000% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7117% | 102 |
| Assets per employee ($millions) | 4.4305% | 3,877 |
| Cash dividends to net income (ytd only)* | -71.9921% | 5,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6382% | 4,692 |
| Loan loss allowance to noncurrent loans | 39.5906% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.2881% | 815 |
| Noncurrent loans to loans | 1.6121% | 912 |
| Net loans and leases to total assets | 55.3230% | 3,747 |
| Net loans and leases to deposits | 66.8937% | 3,651 |
| Net loans and leases to core deposits | 69.9406% | 3,710 |
| Total domestic deposits to total assets | 82.7029% | 3,180 |
| Equity capital to assets | 9.1212% | 3,984 |
| Core capital (leverage) ratio | 9.4904% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,656,000 | 3,062 |
| Average earning assets | $165,636,333 | 3,086 |
| Average equity | $17,673,000 | 3,396 |
| Average total loans | $104,241,000 | 3,174 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 3,619 |
| Cost of funding earning assets | 1.4017% | 396 |
| Net interest margin | 2.6620% | 4,700 |
| Noninterest income to average assets | 0.2596% | 3,991 |
| Noninterest expense to average assets | 3.1079% | 1,617 |
| Loan and lease loss provision to assets | 0.0700% | 2,862 |
| Net operating income to assets | -0.4965% | 4,927 |
| Return on assets (ROA) | -0.4965% | 4,902 |
| Pretax return on assets | -0.4965% | 4,889 |
| Return on Equity (ROE) | -4.9380% | 4,919 |
| Retained earnings to average equity (ytd only) | -11.8512% | 4,823 |
| Net charge-offs to loans | -0.0077% | 3,987 |
| Credit loss provision to net charge-offs | -1,550.0000% | 3,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9091% | 118 |
| Assets per employee ($millions) | 4.2157% | 3,636 |
| Cash dividends to net income (ytd only)* | -140.0000% | 5,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5486% | 4,832 |
| Loan loss allowance to noncurrent loans | 106.6421% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 1,849 |
| Noncurrent loans to loans | 0.5144% | 2,725 |
| Net loans and leases to total assets | 57.8042% | 3,685 |
| Net loans and leases to deposits | 71.8570% | 3,439 |
| Net loans and leases to core deposits | 75.3625% | 3,541 |
| Total domestic deposits to total assets | 80.4434% | 3,770 |
| Equity capital to assets | 9.7234% | 4,021 |
| Core capital (leverage) ratio | 10.3413% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,228,000 | 3,064 |
| Average earning assets | $161,235,000 | 3,099 |
| Average equity | $17,821,000 | 3,389 |
| Average total loans | $103,324,500 | 3,179 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,824 |
| Cost of funding earning assets | 1.3572% | 640 |
| Net interest margin | 2.8378% | 4,726 |
| Noninterest income to average assets | 0.5824% | 2,305 |
| Noninterest expense to average assets | 3.0815% | 1,806 |
| Loan and lease loss provision to assets | 0.1151% | 1,834 |
| Net operating income to assets | 0.0052% | 4,968 |
| Return on assets (ROA) | 0.0052% | 4,989 |
| Pretax return on assets | -0.0224% | 4,985 |
| Return on Equity (ROE) | 0.0500% | 4,989 |
| Retained earnings to average equity (ytd only) | -1.4056% | 4,836 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0812% | 192 |
| Assets per employee ($millions) | 4.0275% | 3,868 |
| Cash dividends to net income (ytd only)* | 2,911.1111% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5381% | 4,843 |
| Loan loss allowance to noncurrent loans | 164.1566% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 1,985 |
| Noncurrent loans to loans | 0.3278% | 3,264 |
| Net loans and leases to total assets | 58.1712% | 3,759 |
| Net loans and leases to deposits | 73.1637% | 3,419 |
| Net loans and leases to core deposits | 77.2875% | 3,494 |
| Total domestic deposits to total assets | 79.5083% | 4,073 |
| Equity capital to assets | 10.4029% | 3,540 |
| Core capital (leverage) ratio | 9.9258% | 3,597 |
| Tier 1 risk-based capital ratio | 13.3177% | 3,623 |
| Total risk-based capital ratio | 13.7429% | 3,956 |
| Memoranda: | ||
| Average total assets | $173,778,600 | 3,073 |
| Average earning assets | $158,713,200 | 3,097 |
| Average equity | $18,000,000 | 3,343 |
| Average total loans | $94,173,800 | 3,315 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 3,908 |
| Cost of funding earning assets | 1.3401% | 694 |
| Net interest margin | 2.8638% | 4,792 |
| Noninterest income to average assets | 0.6869% | 1,844 |
| Noninterest expense to average assets | 2.9912% | 2,006 |
| Loan and lease loss provision to assets | 0.1480% | 1,287 |
| Net operating income to assets | 0.2039% | 4,947 |
| Return on assets (ROA) | 0.2039% | 4,962 |
| Pretax return on assets | 0.1671% | 5,001 |
| Return on Equity (ROE) | 1.9708% | 4,898 |
| Retained earnings to average equity (ytd only) | 0.4964% | 4,666 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4707% | 310 |
| Assets per employee ($millions) | 4.0314% | 3,857 |
| Cash dividends to net income (ytd only)* | 74.8125% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5470% | 4,905 |
| Loan loss allowance to noncurrent loans | 178.1457% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 2,195 |
| Noncurrent loans to loans | 0.3071% | 3,430 |
| Net loans and leases to total assets | 56.4237% | 4,021 |
| Net loans and leases to deposits | 71.7805% | 3,628 |
| Net loans and leases to core deposits | 75.1814% | 3,749 |
| Total domestic deposits to total assets | 78.6058% | 4,248 |
| Equity capital to assets | 10.5191% | 3,527 |
| Core capital (leverage) ratio | 9.8740% | 3,760 |
| Tier 1 risk-based capital ratio | 14.1476% | 3,258 |
| Total risk-based capital ratio | 14.5847% | 3,563 |
| Memoranda: | ||
| Average total assets | $173,927,750 | 3,106 |
| Average earning assets | $159,083,250 | 3,120 |
| Average equity | $17,996,000 | 3,362 |
| Average total loans | $92,395,500 | 3,391 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1658% | 4,003 |
| Cost of funding earning assets | 1.2970% | 742 |
| Net interest margin | 2.8688% | 4,853 |
| Noninterest income to average assets | 0.8971% | 1,078 |
| Noninterest expense to average assets | 3.0232% | 1,941 |
| Loan and lease loss provision to assets | 0.2217% | 745 |
| Net operating income to assets | 0.3331% | 4,826 |
| Return on assets (ROA) | 0.3331% | 4,841 |
| Pretax return on assets | 0.2791% | 4,955 |
| Return on Equity (ROE) | 3.2373% | 4,740 |
| Retained earnings to average equity (ytd only) | 1.7526% | 4,191 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7888% | 559 |
| Assets per employee ($millions) | 4.6296% | 2,963 |
| Cash dividends to net income (ytd only)* | 45.8621% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5609% | 4,938 |
| Loan loss allowance to noncurrent loans | 132.8395% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 2,059 |
| Noncurrent loans to loans | 0.4223% | 3,013 |
| Net loans and leases to total assets | 52.8241% | 4,301 |
| Net loans and leases to deposits | 66.8241% | 4,036 |
| Net loans and leases to core deposits | 69.4649% | 4,133 |
| Total domestic deposits to total assets | 79.0495% | 4,210 |
| Equity capital to assets | 10.0712% | 3,919 |
| Core capital (leverage) ratio | 9.8247% | 3,795 |
| Tier 1 risk-based capital ratio | 14.2989% | 3,162 |
| Total risk-based capital ratio | 14.7383% | 3,486 |
| Memoranda: | ||
| Average total assets | $174,120,000 | 3,121 |
| Average earning assets | $159,440,000 | 3,136 |
| Average equity | $17,916,330 | 3,364 |
| Average total loans | $90,411,000 | 3,451 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 3,987 |
| Cost of funding earning assets | 1.2543% | 758 |
| Net interest margin | 2.9010% | 4,873 |
| Noninterest income to average assets | 1.5284% | 370 |
| Noninterest expense to average assets | 2.7875% | 2,615 |
| Loan and lease loss provision to assets | 0.4236% | 271 |
| Net operating income to assets | 0.9643% | 2,994 |
| Return on assets (ROA) | 0.9643% | 3,035 |
| Pretax return on assets | 0.9643% | 3,571 |
| Return on Equity (ROE) | 9.2675% | 2,686 |
| Retained earnings to average equity (ytd only) | 7.8054% | 1,735 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7601% | 2,827 |
| Assets per employee ($millions) | 4.5445% | 3,123 |
| Cash dividends to net income (ytd only)* | 15.7767% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5762% | 4,979 |
| Loan loss allowance to noncurrent loans | 139.4180% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6585% | 2,120 |
| Noncurrent loans to loans | 0.4133% | 3,105 |
| Net loans and leases to total assets | 51.3079% | 4,385 |
| Net loans and leases to deposits | 66.2227% | 4,038 |
| Net loans and leases to core deposits | 68.4715% | 4,153 |
| Total domestic deposits to total assets | 77.4778% | 4,595 |
| Equity capital to assets | 10.2452% | 3,578 |
| Core capital (leverage) ratio | 10.3337% | 3,238 |
| Tier 1 risk-based capital ratio | 14.5197% | 3,093 |
| Total risk-based capital ratio | 14.9516% | 3,410 |
| Memoranda: | ||
| Average total assets | $170,903,000 | 3,185 |
| Average earning assets | $155,946,500 | 3,204 |
| Average equity | $17,782,500 | 3,370 |
| Average total loans | $87,659,500 | 3,548 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 4,348 |
| Cost of funding earning assets | 0.7194% | 1,961 |
| Net interest margin | 3.1472% | 4,585 |
| Noninterest income to average assets | 0.2713% | 4,292 |
| Noninterest expense to average assets | 3.0833% | 1,844 |
| Loan and lease loss provision to assets | 0.0464% | 3,255 |
| Net operating income to assets | 0.0728% | 5,199 |
| Return on assets (ROA) | 0.0767% | 5,191 |
| Pretax return on assets | 0.0122% | 5,222 |
| Return on Equity (ROE) | 0.6782% | 5,190 |
| Retained earnings to average equity (ytd only) | -0.6554% | 5,059 |
| Net charge-offs to loans | 0.0623% | 2,237 |
| Credit loss provision to net charge-offs | 163.6364% | 1,698 |
| Earnings coverage of net charge-offs (x) | 1.9318% | 3,575 |
| Efficiency ratio | 98.2546% | 169 |
| Assets per employee ($millions) | 4.1143% | 3,731 |
| Cash dividends to net income (ytd only)* | 196.6387% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4114% | 5,202 |
| Loan loss allowance to noncurrent loans | 91.0290% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 3,556 |
| Noncurrent loans to loans | 0.4520% | 2,918 |
| Net loans and leases to total assets | 50.7450% | 4,472 |
| Net loans and leases to deposits | 66.4069% | 4,090 |
| Net loans and leases to core deposits | 68.2784% | 4,223 |
| Total domestic deposits to total assets | 76.4152% | 4,702 |
| Equity capital to assets | 10.5771% | 3,097 |
| Core capital (leverage) ratio | 10.9140% | 2,607 |
| Tier 1 risk-based capital ratio | 14.6108% | 3,017 |
| Total risk-based capital ratio | 14.9015% | 3,380 |
| Memoranda: | ||
| Average total assets | $155,192,800 | 3,330 |
| Average earning assets | $141,365,800 | 3,344 |
| Average equity | $17,545,400 | 3,339 |
| Average total loans | $70,665,200 | 3,858 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,466 |
| Cost of funding earning assets | 0.6250% | 2,300 |
| Net interest margin | 3.1614% | 4,593 |
| Noninterest income to average assets | 0.2852% | 4,246 |
| Noninterest expense to average assets | 3.1089% | 1,744 |
| Loan and lease loss provision to assets | 0.0297% | 3,424 |
| Net operating income to assets | 0.1151% | 5,246 |
| Return on assets (ROA) | 0.1204% | 5,236 |
| Pretax return on assets | 0.0332% | 5,282 |
| Return on Equity (ROE) | 1.0466% | 5,233 |
| Retained earnings to average equity (ytd only) | -0.2427% | 5,067 |
| Net charge-offs to loans | 0.0099% | 3,070 |
| Credit loss provision to net charge-offs | 680.0000% | 538 |
| Earnings coverage of net charge-offs (x) | 13.1934% | 2,388 |
| Efficiency ratio | 98.1818% | 172 |
| Assets per employee ($millions) | 3.9930% | 3,901 |
| Cash dividends to net income (ytd only)* | 123.1848% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4442% | 5,251 |
| Loan loss allowance to noncurrent loans | 332.6923% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 4,497 |
| Noncurrent loans to loans | 0.1335% | 4,280 |
| Net loans and leases to total assets | 49.8009% | 4,609 |
| Net loans and leases to deposits | 63.6414% | 4,353 |
| Net loans and leases to core deposits | 64.7054% | 4,474 |
| Total domestic deposits to total assets | 78.2525% | 4,449 |
| Equity capital to assets | 11.1290% | 2,536 |
| Core capital (leverage) ratio | 12.3032% | 1,609 |
| Tier 1 risk-based capital ratio | 17.1003% | 2,064 |
| Total risk-based capital ratio | 17.4112% | 2,333 |
| Memoranda: | ||
| Average total assets | $152,848,000 | 3,382 |
| Average earning assets | $139,300,000 | 3,399 |
| Average equity | $17,580,000 | 3,368 |
| Average total loans | $67,367,250 | 3,962 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 4,657 |
| Cost of funding earning assets | 0.5545% | 2,574 |
| Net interest margin | 3.1117% | 4,708 |
| Noninterest income to average assets | 0.2581% | 4,462 |
| Noninterest expense to average assets | 3.1155% | 1,743 |
| Loan and lease loss provision to assets | 0.0369% | 3,175 |
| Net operating income to assets | 0.0770% | 5,307 |
| Return on assets (ROA) | 0.0843% | 5,298 |
| Pretax return on assets | -0.0474% | 5,351 |
| Return on Equity (ROE) | 0.7247% | 5,292 |
| Retained earnings to average equity (ytd only) | -0.4756% | 5,025 |
| Net charge-offs to loans | 0.0125% | 2,714 |
| Credit loss provision to net charge-offs | 700.0000% | 554 |
| Earnings coverage of net charge-offs (x) | -3.7500% | 3,168 |
| Efficiency ratio | 100.6380% | 162 |
| Assets per employee ($millions) | 3.9243% | 4,025 |
| Cash dividends to net income (ytd only)* | 165.6250% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4764% | 5,288 |
| Loan loss allowance to noncurrent loans | 337.6238% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,535 |
| Noncurrent loans to loans | 0.1411% | 4,264 |
| Net loans and leases to total assets | 46.5449% | 4,795 |
| Net loans and leases to deposits | 57.4118% | 4,675 |
| Net loans and leases to core deposits | 58.4808% | 4,773 |
| Total domestic deposits to total assets | 81.0720% | 3,973 |
| Equity capital to assets | 11.4454% | 2,236 |
| Core capital (leverage) ratio | 12.5012% | 1,438 |
| Tier 1 risk-based capital ratio | 17.8306% | 1,850 |
| Total risk-based capital ratio | 18.1503% | 2,077 |
| Memoranda: | ||
| Average total assets | $151,888,000 | 3,408 |
| Average earning assets | $138,510,330 | 3,432 |
| Average equity | $17,663,000 | 3,374 |
| Average total loans | $63,856,330 | 4,071 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 4,770 |
| Cost of funding earning assets | 0.5360% | 2,503 |
| Net interest margin | 3.0304% | 4,833 |
| Noninterest income to average assets | 0.2749% | 4,331 |
| Noninterest expense to average assets | 3.0639% | 1,913 |
| Loan and lease loss provision to assets | 0.0740% | 2,287 |
| Net operating income to assets | -0.0978% | 5,420 |
| Return on assets (ROA) | -0.0793% | 5,407 |
| Pretax return on assets | -0.0793% | 5,410 |
| Return on Equity (ROE) | -0.6766% | 5,409 |
| Retained earnings to average equity (ytd only) | -1.8268% | 4,994 |
| Net charge-offs to loans | -0.0333% | 4,786 |
| Credit loss provision to net charge-offs | -560.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7826% | 172 |
| Assets per employee ($millions) | 3.9944% | 3,990 |
| Cash dividends to net income (ytd only)* | -170.0000% | 5,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5717% | 5,236 |
| Loan loss allowance to noncurrent loans | 129.5203% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 4,050 |
| Noncurrent loans to loans | 0.4414% | 3,209 |
| Net loans and leases to total assets | 40.2199% | 5,062 |
| Net loans and leases to deposits | 49.2581% | 4,991 |
| Net loans and leases to core deposits | 49.9714% | 5,046 |
| Total domestic deposits to total assets | 81.6514% | 4,052 |
| Equity capital to assets | 11.5068% | 2,126 |
| Core capital (leverage) ratio | 11.7672% | 1,801 |
| Tier 1 risk-based capital ratio | 18.5949% | 1,667 |
| Total risk-based capital ratio | 18.9703% | 1,859 |
| Memoranda: | ||
| Average total assets | $151,308,000 | 3,453 |
| Average earning assets | $138,066,500 | 3,477 |
| Average equity | $17,736,000 | 3,392 |
| Average total loans | $59,996,000 | 4,197 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3841% | 4,963 |
| Cost of funding earning assets | 0.5160% | 2,203 |
| Net interest margin | 2.8681% | 5,084 |
| Noninterest income to average assets | 0.2409% | 4,691 |
| Noninterest expense to average assets | 3.1856% | 1,641 |
| Loan and lease loss provision to assets | 0.0658% | 2,892 |
| Net operating income to assets | -1.1043% | 5,599 |
| Return on assets (ROA) | -1.0772% | 5,597 |
| Pretax return on assets | -0.3736% | 5,526 |
| Return on Equity (ROE) | -8.9584% | 5,585 |
| Retained earnings to average equity (ytd only) | -9.9243% | 5,531 |
| Net charge-offs to loans | 0.2397% | 1,081 |
| Credit loss provision to net charge-offs | 84.2520% | 2,879 |
| Earnings coverage of net charge-offs (x) | -4.2913% | 4,066 |
| Efficiency ratio | 111.7482% | 93 |
| Assets per employee ($millions) | 3.8674% | 4,167 |
| Cash dividends to net income (ytd only)* | -10.7815% | 5,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5410% | 5,339 |
| Loan loss allowance to noncurrent loans | 66.7368% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 3,618 |
| Noncurrent loans to loans | 0.8107% | 2,185 |
| Net loans and leases to total assets | 38.6367% | 5,189 |
| Net loans and leases to deposits | 49.3450% | 5,085 |
| Net loans and leases to core deposits | 49.9953% | 5,135 |
| Total domestic deposits to total assets | 78.2991% | 4,668 |
| Equity capital to assets | 11.9381% | 1,871 |
| Core capital (leverage) ratio | 11.6776% | 1,811 |
| Tier 1 risk-based capital ratio | 19.4630% | 1,418 |
| Total risk-based capital ratio | 19.8021% | 1,583 |
| Memoranda: | ||
| Average total assets | $162,730,200 | 3,315 |
| Average earning assets | $148,076,200 | 3,348 |
| Average equity | $19,568,200 | 3,192 |
| Average total loans | $52,986,600 | 4,387 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3376% | 5,061 |
| Cost of funding earning assets | 0.5008% | 2,255 |
| Net interest margin | 2.8368% | 5,169 |
| Noninterest income to average assets | 0.2293% | 4,842 |
| Noninterest expense to average assets | 2.7309% | 2,956 |
| Loan and lease loss provision to assets | 0.0314% | 3,492 |
| Net operating income to assets | 0.0708% | 5,467 |
| Return on assets (ROA) | 0.0974% | 5,460 |
| Pretax return on assets | 0.0732% | 5,475 |
| Return on Equity (ROE) | 0.8083% | 5,452 |
| Retained earnings to average equity (ytd only) | -0.1202% | 5,224 |
| Net charge-offs to loans | 0.2223% | 976 |
| Credit loss provision to net charge-offs | 45.3488% | 2,963 |
| Earnings coverage of net charge-offs (x) | 1.1279% | 3,596 |
| Efficiency ratio | 97.2214% | 222 |
| Assets per employee ($millions) | 4.2606% | 3,544 |
| Cash dividends to net income (ytd only)* | 114.8763% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5552% | 5,400 |
| Loan loss allowance to noncurrent loans | 52.8233% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 2,911 |
| Noncurrent loans to loans | 1.0510% | 1,841 |
| Net loans and leases to total assets | 32.0848% | 5,451 |
| Net loans and leases to deposits | 40.8483% | 5,395 |
| Net loans and leases to core deposits | 41.5834% | 5,427 |
| Total domestic deposits to total assets | 78.5463% | 4,621 |
| Equity capital to assets | 12.3760% | 1,732 |
| Core capital (leverage) ratio | 11.1383% | 2,336 |
| Tier 1 risk-based capital ratio | 16.0702% | 2,474 |
| Total risk-based capital ratio | 16.3327% | 2,812 |
| Memoranda: | ||
| Average total assets | $165,705,750 | 3,317 |
| Average earning assets | $150,683,750 | 3,344 |
| Average equity | $19,958,750 | 3,168 |
| Average total loans | $51,585,250 | 4,454 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 5,095 |
| Cost of funding earning assets | 0.5064% | 2,120 |
| Net interest margin | 2.8016% | 5,242 |
| Noninterest income to average assets | 0.2216% | 4,921 |
| Noninterest expense to average assets | 2.6651% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1437% | 5,455 |
| Return on assets (ROA) | 0.1797% | 5,429 |
| Pretax return on assets | 0.1437% | 5,475 |
| Return on Equity (ROE) | 1.5051% | 5,411 |
| Retained earnings to average equity (ytd only) | 0.5920% | 4,957 |
| Net charge-offs to loans | 0.0973% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.6000% | 3,025 |
| Efficiency ratio | 96.1123% | 256 |
| Assets per employee ($millions) | 4.1552% | 3,703 |
| Cash dividends to net income (ytd only)* | 60.6667% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5945% | 5,388 |
| Loan loss allowance to noncurrent loans | 45.9499% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 2,764 |
| Noncurrent loans to loans | 1.2939% | 1,484 |
| Net loans and leases to total assets | 31.3852% | 5,512 |
| Net loans and leases to deposits | 39.0582% | 5,478 |
| Net loans and leases to core deposits | 39.5771% | 5,511 |
| Total domestic deposits to total assets | 80.3549% | 4,334 |
| Equity capital to assets | 12.1064% | 1,859 |
| Core capital (leverage) ratio | 10.8204% | 2,582 |
| Tier 1 risk-based capital ratio | 16.2067% | 2,428 |
| Total risk-based capital ratio | 16.2067% | 2,882 |
| Memoranda: | ||
| Average total assets | $166,973,670 | 3,319 |
| Average earning assets | $152,058,330 | 3,346 |
| Average equity | $19,932,670 | 3,167 |
| Average total loans | $51,368,330 | 4,480 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2881% | 5,125 |
| Cost of funding earning assets | 0.5042% | 2,052 |
| Net interest margin | 2.7838% | 5,281 |
| Noninterest income to average assets | 0.2127% | 4,996 |
| Noninterest expense to average assets | 2.6482% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0980% | 5,519 |
| Return on assets (ROA) | 0.0980% | 5,523 |
| Pretax return on assets | 0.0980% | 5,517 |
| Return on Equity (ROE) | 0.8267% | 5,525 |
| Retained earnings to average equity (ytd only) | -0.0807% | 4,927 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4317% | 307 |
| Assets per employee ($millions) | 4.5832% | 3,032 |
| Cash dividends to net income (ytd only)* | 109.7561% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 5,387 |
| Loan loss allowance to noncurrent loans | 42.6043% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 2,604 |
| Noncurrent loans to loans | 1.5506% | 1,267 |
| Net loans and leases to total assets | 29.8832% | 5,589 |
| Net loans and leases to deposits | 38.0476% | 5,523 |
| Net loans and leases to core deposits | 38.6279% | 5,556 |
| Total domestic deposits to total assets | 78.5417% | 4,903 |
| Equity capital to assets | 11.7101% | 2,028 |
| Core capital (leverage) ratio | 10.7485% | 2,641 |
| Tier 1 risk-based capital ratio | 15.2809% | 2,842 |
| Total risk-based capital ratio | 15.2809% | 3,379 |
| Memoranda: | ||
| Average total assets | $167,356,000 | 3,336 |
| Average earning assets | $152,308,500 | 3,375 |
| Average equity | $19,838,000 | 3,187 |
| Average total loans | $50,814,000 | 4,536 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1762% | 5,334 |
| Cost of funding earning assets | 0.5256% | 1,902 |
| Net interest margin | 2.6506% | 5,473 |
| Noninterest income to average assets | 0.2036% | 5,195 |
| Noninterest expense to average assets | 2.5224% | 3,949 |
| Loan and lease loss provision to assets | 0.0349% | 3,664 |
| Net operating income to assets | -0.0925% | 5,684 |
| Return on assets (ROA) | -0.0629% | 5,682 |
| Pretax return on assets | 0.1178% | 5,577 |
| Return on Equity (ROE) | -0.5390% | 5,683 |
| Retained earnings to average equity (ytd only) | -1.3476% | 5,481 |
| Net charge-offs to loans | 0.0943% | 2,359 |
| Credit loss provision to net charge-offs | 124.4898% | 2,149 |
| Earnings coverage of net charge-offs (x) | 3.7959% | 3,609 |
| Efficiency ratio | 95.9539% | 315 |
| Assets per employee ($millions) | 4.5870% | 2,989 |
| Cash dividends to net income (ytd only)* | -150.0000% | 5,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6658% | 5,420 |
| Loan loss allowance to noncurrent loans | 41.6564% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7037% | 2,617 |
| Noncurrent loans to loans | 1.5983% | 1,232 |
| Net loans and leases to total assets | 30.4472% | 5,636 |
| Net loans and leases to deposits | 39.0312% | 5,576 |
| Net loans and leases to core deposits | 39.7373% | 5,603 |
| Total domestic deposits to total assets | 78.0073% | 4,977 |
| Equity capital to assets | 12.0013% | 1,807 |
| Core capital (leverage) ratio | 11.0823% | 2,270 |
| Tier 1 risk-based capital ratio | 16.1638% | 2,483 |
| Total risk-based capital ratio | 16.1638% | 2,945 |
| Memoranda: | ||
| Average total assets | $174,874,600 | 3,222 |
| Average earning assets | $160,001,400 | 3,240 |
| Average equity | $20,406,800 | 3,128 |
| Average total loans | $51,941,400 | 4,520 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1546% | 5,426 |
| Cost of funding earning assets | 0.5251% | 1,907 |
| Net interest margin | 2.6295% | 5,564 |
| Noninterest income to average assets | 0.2098% | 5,209 |
| Noninterest expense to average assets | 2.5115% | 3,950 |
| Loan and lease loss provision to assets | 0.0459% | 3,323 |
| Net operating income to assets | -0.1533% | 5,778 |
| Return on assets (ROA) | -0.1143% | 5,779 |
| Pretax return on assets | 0.1233% | 5,649 |
| Return on Equity (ROE) | -0.9860% | 5,779 |
| Retained earnings to average equity (ytd only) | -1.7774% | 5,581 |
| Net charge-offs to loans | 0.1122% | 1,821 |
| Credit loss provision to net charge-offs | 138.6364% | 1,880 |
| Earnings coverage of net charge-offs (x) | 3.2725% | 3,445 |
| Efficiency ratio | 95.8668% | 321 |
| Assets per employee ($millions) | 4.7331% | 2,695 |
| Cash dividends to net income (ytd only)* | -80.2625% | 5,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 5,504 |
| Loan loss allowance to noncurrent loans | 35.4037% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 2,542 |
| Noncurrent loans to loans | 1.8717% | 1,080 |
| Net loans and leases to total assets | 30.0886% | 5,713 |
| Net loans and leases to deposits | 38.4768% | 5,665 |
| Net loans and leases to core deposits | 39.1460% | 5,702 |
| Total domestic deposits to total assets | 78.1994% | 4,878 |
| Equity capital to assets | 12.0201% | 2,104 |
| Core capital (leverage) ratio | 10.6910% | 2,796 |
| Tier 1 risk-based capital ratio | 16.1021% | 2,583 |
| Total risk-based capital ratio | 16.1021% | 3,054 |
| Memoranda: | ||
| Average total assets | $177,310,250 | 3,210 |
| Average earning assets | $162,511,250 | 3,210 |
| Average equity | $20,554,000 | 3,137 |
| Average total loans | $52,273,000 | 4,546 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1464% | 5,501 |
| Cost of funding earning assets | 0.5258% | 1,894 |
| Net interest margin | 2.6206% | 5,651 |
| Noninterest income to average assets | 0.2038% | 5,272 |
| Noninterest expense to average assets | 2.5165% | 3,992 |
| Loan and lease loss provision to assets | 0.0679% | 2,782 |
| Net operating income to assets | -0.2971% | 5,879 |
| Return on assets (ROA) | -0.2394% | 5,875 |
| Pretax return on assets | 0.1125% | 5,713 |
| Return on Equity (ROE) | -2.0896% | 5,873 |
| Retained earnings to average equity (ytd only) | -2.8671% | 5,618 |
| Net charge-offs to loans | 0.2438% | 968 |
| Credit loss provision to net charge-offs | 95.3125% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.2656% | 3,436 |
| Efficiency ratio | 96.5399% | 326 |
| Assets per employee ($millions) | 4.8325% | 2,513 |
| Cash dividends to net income (ytd only)* | -37.2093% | 6,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6275% | 5,644 |
| Loan loss allowance to noncurrent loans | 30.5793% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 2,558 |
| Noncurrent loans to loans | 2.0521% | 958 |
| Net loans and leases to total assets | 28.5180% | 5,812 |
| Net loans and leases to deposits | 36.5317% | 5,775 |
| Net loans and leases to core deposits | 37.1378% | 5,805 |
| Total domestic deposits to total assets | 78.0636% | 4,989 |
| Equity capital to assets | 11.5373% | 2,506 |
| Core capital (leverage) ratio | 10.2926% | 3,207 |
| Tier 1 risk-based capital ratio | 16.4485% | 2,451 |
| Total risk-based capital ratio | 16.4485% | 2,921 |
| Memoranda: | ||
| Average total assets | $179,617,000 | 3,196 |
| Average earning assets | $164,696,330 | 3,213 |
| Average equity | $20,578,330 | 3,137 |
| Average total loans | $52,494,000 | 4,573 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1778% | 5,519 |
| Cost of funding earning assets | 0.5292% | 1,870 |
| Net interest margin | 2.6485% | 5,668 |
| Noninterest income to average assets | 0.2044% | 5,272 |
| Noninterest expense to average assets | 2.5352% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0768% | 5,711 |
| Return on assets (ROA) | 0.2244% | 5,542 |
| Pretax return on assets | 0.2733% | 5,550 |
| Return on Equity (ROE) | 1.9656% | 5,505 |
| Retained earnings to average equity (ytd only) | 1.2066% | 4,766 |
| Net charge-offs to loans | 0.3165% | 690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,870 |
| Efficiency ratio | 96.4497% | 387 |
| Assets per employee ($millions) | 5.1607% | 2,177 |
| Cash dividends to net income (ytd only)* | 38.6139% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 5,831 |
| Loan loss allowance to noncurrent loans | 27.9644% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 0.7934% | 2,714 |
| Noncurrent loans to loans | 1.9101% | 1,141 |
| Net loans and leases to total assets | 29.1762% | 5,845 |
| Net loans and leases to deposits | 37.2721% | 5,802 |
| Net loans and leases to core deposits | 37.8794% | 5,825 |
| Total domestic deposits to total assets | 78.2791% | 5,094 |
| Equity capital to assets | 11.4111% | 2,523 |
| Core capital (leverage) ratio | 10.5396% | 2,915 |
| Tier 1 risk-based capital ratio | 16.7010% | 2,396 |
| Total risk-based capital ratio | 16.7010% | 2,881 |
| Memoranda: | ||
| Average total assets | $180,024,000 | 3,201 |
| Average earning assets | $164,770,000 | 3,219 |
| Average equity | $20,553,000 | 3,146 |
| Average total loans | $53,084,500 | 4,587 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1670% | 5,547 |
| Cost of funding earning assets | 0.6040% | 1,338 |
| Net interest margin | 2.5630% | 5,785 |
| Noninterest income to average assets | 0.2257% | 5,247 |
| Noninterest expense to average assets | 2.5680% | 4,025 |
| Loan and lease loss provision to assets | 0.0646% | 3,000 |
| Net operating income to assets | 0.0653% | 5,798 |
| Return on assets (ROA) | 0.0790% | 5,824 |
| Pretax return on assets | -0.0213% | 5,896 |
| Return on Equity (ROE) | 0.7073% | 5,810 |
| Retained earnings to average equity (ytd only) | 0.1816% | 5,435 |
| Net charge-offs to loans | 0.0434% | 3,343 |
| Credit loss provision to net charge-offs | 504.1667% | 636 |
| Earnings coverage of net charge-offs (x) | 1.7083% | 4,043 |
| Efficiency ratio | 99.1552% | 303 |
| Assets per employee ($millions) | 4.8493% | 2,530 |
| Cash dividends to net income (ytd only)* | 74.3243% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6111% | 5,780 |
| Loan loss allowance to noncurrent loans | 24.1456% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8644% | 2,507 |
| Noncurrent loans to loans | 2.5307% | 720 |
| Net loans and leases to total assets | 29.4619% | 5,906 |
| Net loans and leases to deposits | 37.5001% | 5,847 |
| Net loans and leases to core deposits | 38.1133% | 5,874 |
| Total domestic deposits to total assets | 78.5649% | 5,058 |
| Equity capital to assets | 11.4226% | 2,424 |
| Core capital (leverage) ratio | 10.6538% | 2,769 |
| Tier 1 risk-based capital ratio | 18.0575% | 1,951 |
| Total risk-based capital ratio | 18.0575% | 2,308 |
| Memoranda: | ||
| Average total assets | $187,381,400 | 3,085 |
| Average earning assets | $172,845,400 | 3,082 |
| Average equity | $20,924,800 | 3,079 |
| Average total loans | $55,237,200 | 4,521 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1538% | 5,637 |
| Cost of funding earning assets | 0.6074% | 1,362 |
| Net interest margin | 2.5463% | 5,880 |
| Noninterest income to average assets | 0.2267% | 5,294 |
| Noninterest expense to average assets | 2.5248% | 4,116 |
| Loan and lease loss provision to assets | 0.0852% | 2,461 |
| Net operating income to assets | 0.0908% | 5,864 |
| Return on assets (ROA) | 0.1070% | 5,878 |
| Pretax return on assets | -0.0056% | 5,970 |
| Return on Equity (ROE) | 0.9636% | 5,864 |
| Retained earnings to average equity (ytd only) | 0.5008% | 5,478 |
| Net charge-offs to loans | 0.0454% | 2,994 |
| Credit loss provision to net charge-offs | 636.8421% | 536 |
| Earnings coverage of net charge-offs (x) | 4.0529% | 3,407 |
| Efficiency ratio | 97.8979% | 359 |
| Assets per employee ($millions) | 4.9794% | 2,324 |
| Cash dividends to net income (ytd only)* | 48.0263% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6089% | 5,875 |
| Loan loss allowance to noncurrent loans | 20.3453% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 2,440 |
| Noncurrent loans to loans | 2.9927% | 590 |
| Net loans and leases to total assets | 28.4691% | 6,019 |
| Net loans and leases to deposits | 36.3827% | 5,973 |
| Net loans and leases to core deposits | 36.8832% | 5,995 |
| Total domestic deposits to total assets | 78.2490% | 5,143 |
| Equity capital to assets | 11.1358% | 2,871 |
| Core capital (leverage) ratio | 10.2541% | 3,305 |
| Tier 1 risk-based capital ratio | 17.5333% | 2,176 |
| Total risk-based capital ratio | 17.5333% | 2,630 |
| Memoranda: | ||
| Average total assets | $189,370,500 | 3,086 |
| Average earning assets | $174,940,500 | 3,076 |
| Average equity | $21,032,250 | 3,094 |
| Average total loans | $55,749,750 | 4,547 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1519% | 5,684 |
| Cost of funding earning assets | 0.6187% | 1,292 |
| Net interest margin | 2.5332% | 5,933 |
| Noninterest income to average assets | 0.2260% | 5,347 |
| Noninterest expense to average assets | 2.5404% | 4,100 |
| Loan and lease loss provision to assets | 0.1278% | 1,740 |
| Net operating income to assets | 0.0813% | 5,900 |
| Return on assets (ROA) | 0.0813% | 5,944 |
| Pretax return on assets | -0.0992% | 6,066 |
| Return on Equity (ROE) | 0.7327% | 5,933 |
| Retained earnings to average equity (ytd only) | 0.0381% | 5,491 |
| Net charge-offs to loans | 0.0675% | 2,417 |
| Credit loss provision to net charge-offs | 636.8421% | 525 |
| Earnings coverage of net charge-offs (x) | 1.4211% | 3,516 |
| Efficiency ratio | 98.8903% | 353 |
| Assets per employee ($millions) | 5.2601% | 1,972 |
| Cash dividends to net income (ytd only)* | 94.8052% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5906% | 5,988 |
| Loan loss allowance to noncurrent loans | 20.6897% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 2,679 |
| Noncurrent loans to loans | 2.8546% | 717 |
| Net loans and leases to total assets | 28.5394% | 6,083 |
| Net loans and leases to deposits | 36.0931% | 6,035 |
| Net loans and leases to core deposits | 36.5705% | 6,055 |
| Total domestic deposits to total assets | 79.0717% | 5,085 |
| Equity capital to assets | 10.6935% | 3,220 |
| Core capital (leverage) ratio | 10.0095% | 3,587 |
| Tier 1 risk-based capital ratio | 17.2683% | 2,296 |
| Total risk-based capital ratio | 17.2683% | 2,806 |
| Memoranda: | ||
| Average total assets | $189,421,000 | 3,112 |
| Average earning assets | $175,193,670 | 3,093 |
| Average equity | $21,019,330 | 3,108 |
| Average total loans | $56,266,670 | 4,572 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2058% | 5,636 |
| Cost of funding earning assets | 0.6435% | 1,163 |
| Net interest margin | 2.5623% | 5,962 |
| Noninterest income to average assets | 0.2655% | 5,054 |
| Noninterest expense to average assets | 2.6121% | 3,885 |
| Loan and lease loss provision to assets | 0.1049% | 1,955 |
| Net operating income to assets | -0.0899% | 6,096 |
| Return on assets (ROA) | -0.0899% | 6,122 |
| Pretax return on assets | -0.0899% | 6,112 |
| Return on Equity (ROE) | -0.7953% | 6,113 |
| Retained earnings to average equity (ytd only) | -1.4960% | 5,616 |
| Net charge-offs to loans | 0.1417% | 1,400 |
| Credit loss provision to net charge-offs | 245.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 0.3500% | 3,068 |
| Efficiency ratio | 99.4295% | 382 |
| Assets per employee ($millions) | 5.0233% | 2,325 |
| Cash dividends to net income (ytd only)* | -88.0952% | 6,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4538% | 6,202 |
| Loan loss allowance to noncurrent loans | 15.5663% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 1.0058% | 2,614 |
| Noncurrent loans to loans | 2.9150% | 766 |
| Net loans and leases to total assets | 29.5365% | 6,091 |
| Net loans and leases to deposits | 35.6424% | 6,070 |
| Net loans and leases to core deposits | 36.0989% | 6,096 |
| Total domestic deposits to total assets | 82.8688% | 4,209 |
| Equity capital to assets | 11.0988% | 2,863 |
| Core capital (leverage) ratio | 11.5325% | 1,975 |
| Tier 1 risk-based capital ratio | 19.5604% | 1,719 |
| Total risk-based capital ratio | 19.8045% | 1,938 |
| Memoranda: | ||
| Average total assets | $186,820,500 | 3,157 |
| Average earning assets | $172,186,000 | 3,153 |
| Average equity | $21,123,000 | 3,124 |
| Average total loans | $56,463,000 | 4,591 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1627% | 5,876 |
| Cost of funding earning assets | 0.7207% | 999 |
| Net interest margin | 2.4419% | 6,200 |
| Noninterest income to average assets | 0.1547% | 5,922 |
| Noninterest expense to average assets | 2.5108% | 4,511 |
| Loan and lease loss provision to assets | 0.1457% | 1,814 |
| Net operating income to assets | -0.1952% | 6,205 |
| Return on assets (ROA) | -0.1924% | 6,201 |
| Pretax return on assets | -0.2407% | 6,212 |
| Return on Equity (ROE) | -1.8328% | 6,204 |
| Retained earnings to average equity (ytd only) | -2.1785% | 6,030 |
| Net charge-offs to loans | 0.6082% | 652 |
| Credit loss provision to net charge-offs | 83.0028% | 2,804 |
| Earnings coverage of net charge-offs (x) | -0.5609% | 4,768 |
| Efficiency ratio | 104.0816% | 290 |
| Assets per employee ($millions) | 4.8093% | 2,579 |
| Cash dividends to net income (ytd only)* | -18.8630% | 6,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4051% | 6,321 |
| Loan loss allowance to noncurrent loans | 14.7382% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 0.9756% | 2,803 |
| Noncurrent loans to loans | 2.7484% | 878 |
| Net loans and leases to total assets | 30.6749% | 6,157 |
| Net loans and leases to deposits | 35.7266% | 6,182 |
| Net loans and leases to core deposits | 36.2482% | 6,199 |
| Total domestic deposits to total assets | 85.8603% | 2,915 |
| Equity capital to assets | 11.5236% | 2,415 |
| Core capital (leverage) ratio | 10.4945% | 2,951 |
| Tier 1 risk-based capital ratio | 18.8960% | 1,880 |
| Total risk-based capital ratio | 19.1164% | 2,148 |
| Memoranda: | ||
| Average total assets | $201,095,200 | 2,977 |
| Average earning assets | $185,920,000 | 2,962 |
| Average equity | $21,115,000 | 3,039 |
| Average total loans | $58,036,200 | 4,548 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1313% | 5,981 |
| Cost of funding earning assets | 0.7329% | 977 |
| Net interest margin | 2.3983% | 6,298 |
| Noninterest income to average assets | 0.1873% | 5,797 |
| Noninterest expense to average assets | 2.4828% | 4,581 |
| Loan and lease loss provision to assets | 0.1666% | 1,485 |
| Net operating income to assets | -0.1514% | 6,247 |
| Return on assets (ROA) | -0.1484% | 6,254 |
| Pretax return on assets | -0.2366% | 6,268 |
| Return on Equity (ROE) | -1.4451% | 6,260 |
| Retained earnings to average equity (ytd only) | -1.6722% | 6,043 |
| Net charge-offs to loans | 0.7388% | 462 |
| Credit loss provision to net charge-offs | 79.3210% | 2,610 |
| Earnings coverage of net charge-offs (x) | -0.3549% | 4,492 |
| Efficiency ratio | 103.0956% | 309 |
| Assets per employee ($millions) | 5.0344% | 2,200 |
| Cash dividends to net income (ytd only)* | -15.7207% | 6,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3940% | 6,409 |
| Loan loss allowance to noncurrent loans | 25.8480% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 3,921 |
| Noncurrent loans to loans | 1.5242% | 2,123 |
| Net loans and leases to total assets | 29.2066% | 6,280 |
| Net loans and leases to deposits | 33.8632% | 6,301 |
| Net loans and leases to core deposits | 34.3310% | 6,310 |
| Total domestic deposits to total assets | 86.2487% | 2,730 |
| Equity capital to assets | 11.0477% | 2,904 |
| Core capital (leverage) ratio | 10.0587% | 3,587 |
| Tier 1 risk-based capital ratio | 18.6123% | 2,013 |
| Total risk-based capital ratio | 18.8206% | 2,328 |
| Memoranda: | ||
| Average total assets | $205,680,250 | 2,952 |
| Average earning assets | $190,460,000 | 2,931 |
| Average equity | $21,128,750 | 3,048 |
| Average total loans | $58,473,250 | 4,575 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1169% | 6,044 |
| Cost of funding earning assets | 0.7474% | 936 |
| Net interest margin | 2.3695% | 6,376 |
| Noninterest income to average assets | 0.1444% | 6,097 |
| Noninterest expense to average assets | 2.4317% | 4,795 |
| Loan and lease loss provision to assets | 0.1958% | 1,247 |
| Net operating income to assets | -0.1948% | 6,317 |
| Return on assets (ROA) | -0.1948% | 6,327 |
| Pretax return on assets | -0.2870% | 6,356 |
| Return on Equity (ROE) | -1.9407% | 6,331 |
| Retained earnings to average equity (ytd only) | -1.9407% | 5,986 |
| Net charge-offs to loans | 0.1147% | 2,515 |
| Credit loss provision to net charge-offs | 605.8824% | 495 |
| Earnings coverage of net charge-offs (x) | -2.8235% | 4,261 |
| Efficiency ratio | 103.8977% | 321 |
| Assets per employee ($millions) | 5.4527% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 5,996 |
| Loan loss allowance to noncurrent loans | 30.5851% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 3,507 |
| Noncurrent loans to loans | 2.5902% | 1,190 |
| Net loans and leases to total assets | 27.8019% | 6,368 |
| Net loans and leases to deposits | 32.1913% | 6,383 |
| Net loans and leases to core deposits | 32.6008% | 6,397 |
| Total domestic deposits to total assets | 86.3645% | 2,842 |
| Equity capital to assets | 10.3160% | 3,665 |
| Core capital (leverage) ratio | 9.6242% | 4,142 |
| Tier 1 risk-based capital ratio | 17.8682% | 2,287 |
| Total risk-based capital ratio | 18.2818% | 2,564 |
| Memoranda: | ||
| Average total assets | $210,471,670 | 2,909 |
| Average earning assets | $195,065,330 | 2,893 |
| Average equity | $21,126,670 | 3,039 |
| Average total loans | $59,266,000 | 4,572 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1190% | 6,095 |
| Cost of funding earning assets | 0.7721% | 872 |
| Net interest margin | 2.3469% | 6,452 |
| Noninterest income to average assets | 0.1452% | 6,100 |
| Noninterest expense to average assets | 2.5383% | 4,486 |
| Loan and lease loss provision to assets | 0.2263% | 983 |
| Net operating income to assets | -0.2320% | 6,371 |
| Return on assets (ROA) | -0.2320% | 6,375 |
| Pretax return on assets | -0.4469% | 6,443 |
| Return on Equity (ROE) | -2.3426% | 6,369 |
| Retained earnings to average equity (ytd only) | -2.3426% | 5,892 |
| Net charge-offs to loans | 0.2272% | 1,414 |
| Credit loss provision to net charge-offs | 352.9412% | 708 |
| Earnings coverage of net charge-offs (x) | -3.4412% | 3,564 |
| Efficiency ratio | 109.5199% | 279 |
| Assets per employee ($millions) | 5.5107% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6318% | 6,369 |
| Loan loss allowance to noncurrent loans | 29.1277% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 3,989 |
| Noncurrent loans to loans | 2.1691% | 1,684 |
| Net loans and leases to total assets | 28.0888% | 6,411 |
| Net loans and leases to deposits | 32.4218% | 6,423 |
| Net loans and leases to core deposits | 32.9210% | 6,438 |
| Total domestic deposits to total assets | 86.6356% | 3,021 |
| Equity capital to assets | 10.0383% | 3,802 |
| Core capital (leverage) ratio | 10.2893% | 3,184 |
| Tier 1 risk-based capital ratio | 19.5745% | 1,818 |
| Total risk-based capital ratio | 19.9141% | 2,030 |
| Memoranda: | ||
| Average total assets | $212,106,500 | 2,897 |
| Average earning assets | $196,345,500 | 2,892 |
| Average equity | $21,002,500 | 3,051 |
| Average total loans | $59,866,000 | 4,593 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2498% | 6,074 |
| Cost of funding earning assets | 0.9926% | 462 |
| Net interest margin | 2.2572% | 6,550 |
| Noninterest income to average assets | 0.1491% | 6,195 |
| Noninterest expense to average assets | 2.4254% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0796% | 6,279 |
| Return on assets (ROA) | -0.0796% | 6,304 |
| Pretax return on assets | -0.1935% | 6,346 |
| Return on Equity (ROE) | -0.8252% | 6,311 |
| Retained earnings to average equity (ytd only) | -0.8252% | 6,030 |
| Net charge-offs to loans | 0.3373% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.8723% | 5,316 |
| Efficiency ratio | 108.6682% | 293 |
| Assets per employee ($millions) | 5.1144% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4757% | 6,591 |
| Loan loss allowance to noncurrent loans | 19.2900% | 6,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 4,169 |
| Noncurrent loans to loans | 2.4662% | 1,545 |
| Net loans and leases to total assets | 28.0486% | 6,522 |
| Net loans and leases to deposits | 32.2151% | 6,527 |
| Net loans and leases to core deposits | 32.6961% | 6,546 |
| Total domestic deposits to total assets | 87.0665% | 2,688 |
| Equity capital to assets | 9.7688% | 4,075 |
| Core capital (leverage) ratio | 9.8587% | 3,761 |
| Tier 1 risk-based capital ratio | 19.4938% | 1,790 |
| Total risk-based capital ratio | 19.7527% | 2,053 |
| Memoranda: | ||
| Average total assets | $227,423,600 | 2,741 |
| Average earning assets | $209,859,200 | 2,721 |
| Average equity | $21,934,200 | 2,931 |
| Average total loans | $69,664,600 | 4,278 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 6,139 |
| Cost of funding earning assets | 1.0339% | 418 |
| Net interest margin | 2.2137% | 6,637 |
| Noninterest income to average assets | 0.1469% | 6,296 |
| Noninterest expense to average assets | 2.4859% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.2833% | 6,514 |
| Return on assets (ROA) | -0.2833% | 6,529 |
| Pretax return on assets | -0.2961% | 6,512 |
| Return on Equity (ROE) | -2.9466% | 6,519 |
| Retained earnings to average equity (ytd only) | -2.9466% | 6,348 |
| Net charge-offs to loans | 0.4355% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -2.1787% | 5,087 |
| Efficiency ratio | 113.5199% | 224 |
| Assets per employee ($millions) | 5.4264% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4544% | 6,685 |
| Loan loss allowance to noncurrent loans | 21.5569% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 4,685 |
| Noncurrent loans to loans | 2.1079% | 2,119 |
| Net loans and leases to total assets | 27.6832% | 6,607 |
| Net loans and leases to deposits | 31.8999% | 6,622 |
| Net loans and leases to core deposits | 32.3899% | 6,639 |
| Total domestic deposits to total assets | 86.7815% | 2,812 |
| Equity capital to assets | 9.2424% | 4,874 |
| Core capital (leverage) ratio | 9.2419% | 4,770 |
| Tier 1 risk-based capital ratio | 17.8607% | 2,372 |
| Total risk-based capital ratio | 18.1014% | 2,729 |
| Memoranda: | ||
| Average total assets | $230,578,000 | 2,730 |
| Average earning assets | $212,791,750 | 2,709 |
| Average equity | $22,171,750 | 2,945 |
| Average total loans | $71,946,250 | 4,231 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3110% | 6,068 |
| Cost of funding earning assets | 1.0580% | 410 |
| Net interest margin | 2.2530% | 6,654 |
| Noninterest income to average assets | 0.1452% | 6,321 |
| Noninterest expense to average assets | 2.1299% | 5,798 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0916% | 6,145 |
| Return on assets (ROA) | 0.0916% | 6,229 |
| Pretax return on assets | 0.0890% | 6,243 |
| Return on Equity (ROE) | 0.9405% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.9405% | 5,529 |
| Net charge-offs to loans | 0.4866% | 1,353 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.5659% | 4,347 |
| Efficiency ratio | 95.9891% | 653 |
| Assets per employee ($millions) | 5.5370% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4867% | 6,715 |
| Loan loss allowance to noncurrent loans | 39.3310% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 5,359 |
| Noncurrent loans to loans | 1.2375% | 3,481 |
| Net loans and leases to total assets | 29.9801% | 6,579 |
| Net loans and leases to deposits | 34.4961% | 6,590 |
| Net loans and leases to core deposits | 34.9698% | 6,624 |
| Total domestic deposits to total assets | 86.9088% | 2,879 |
| Equity capital to assets | 9.3174% | 4,836 |
| Core capital (leverage) ratio | 9.3834% | 4,410 |
| Tier 1 risk-based capital ratio | 17.8268% | 2,384 |
| Total risk-based capital ratio | 18.1035% | 2,741 |
| Memoranda: | ||
| Average total assets | $231,468,330 | 2,725 |
| Average earning assets | $213,046,330 | 2,707 |
| Average equity | $22,541,000 | 2,923 |
| Average total loans | $74,801,670 | 4,142 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 5,930 |
| Cost of funding earning assets | 1.1218% | 335 |
| Net interest margin | 2.2830% | 6,695 |
| Noninterest income to average assets | 0.1472% | 6,367 |
| Noninterest expense to average assets | 2.1306% | 5,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1091% | 6,128 |
| Return on assets (ROA) | 0.1091% | 6,224 |
| Pretax return on assets | 0.1178% | 6,227 |
| Return on Equity (ROE) | 1.0967% | 6,199 |
| Retained earnings to average equity (ytd only) | 1.0967% | 5,414 |
| Net charge-offs to loans | 1.3995% | 393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2519% | 3,736 |
| Efficiency ratio | 94.7612% | 795 |
| Assets per employee ($millions) | 5.6378% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3358% | 6,881 |
| Loan loss allowance to noncurrent loans | 35.9375% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 5,677 |
| Noncurrent loans to loans | 0.9344% | 4,266 |
| Net loans and leases to total assets | 31.7116% | 6,527 |
| Net loans and leases to deposits | 37.7379% | 6,515 |
| Net loans and leases to core deposits | 38.3113% | 6,549 |
| Total domestic deposits to total assets | 84.0312% | 4,468 |
| Equity capital to assets | 9.6737% | 4,601 |
| Core capital (leverage) ratio | 9.5021% | 4,074 |
| Tier 1 risk-based capital ratio | 17.5812% | 2,529 |
| Total risk-based capital ratio | 17.7841% | 2,941 |
| Memoranda: | ||
| Average total assets | $230,925,500 | 2,767 |
| Average earning assets | $212,524,500 | 2,742 |
| Average equity | $22,977,500 | 2,928 |
| Average total loans | $77,172,000 | 4,091 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 5,338 |
| Cost of funding earning assets | 1.2364% | 489 |
| Net interest margin | 2.7540% | 6,442 |
| Noninterest income to average assets | 0.1787% | 6,120 |
| Noninterest expense to average assets | 2.3125% | 5,658 |
| Loan and lease loss provision to assets | 0.0530% | 5,143 |
| Net operating income to assets | 0.2483% | 5,639 |
| Return on assets (ROA) | 0.2483% | 5,838 |
| Pretax return on assets | 0.3446% | 5,730 |
| Return on Equity (ROE) | 2.3727% | 5,801 |
| Retained earnings to average equity (ytd only) | 2.3727% | 4,565 |
| Net charge-offs to loans | 0.0047% | 5,905 |
| Credit loss provision to net charge-offs | 2,875.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 215.7500% | 198 |
| Efficiency ratio | 85.3306% | 1,486 |
| Assets per employee ($millions) | 5.2340% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6620% | 6,683 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 5,312 |
| Noncurrent loans to loans | 1.3240% | 3,626 |
| Net loans and leases to total assets | 34.8696% | 6,498 |
| Net loans and leases to deposits | 41.8294% | 6,471 |
| Net loans and leases to core deposits | 42.5229% | 6,524 |
| Total domestic deposits to total assets | 83.3616% | 4,580 |
| Equity capital to assets | 10.2411% | 3,839 |
| Core capital (leverage) ratio | 9.8797% | 3,571 |
| Tier 1 risk-based capital ratio | 18.0846% | 2,231 |
| Total risk-based capital ratio | 18.5173% | 2,511 |
| Memoranda: | ||
| Average total assets | $217,079,200 | 2,869 |
| Average earning assets | $199,525,000 | 2,854 |
| Average equity | $22,716,400 | 2,885 |
| Average total loans | $84,567,800 | 3,890 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 5,217 |
| Cost of funding earning assets | 1.2572% | 543 |
| Net interest margin | 2.8345% | 6,452 |
| Noninterest income to average assets | 0.1835% | 6,206 |
| Noninterest expense to average assets | 2.3476% | 5,553 |
| Loan and lease loss provision to assets | 0.0242% | 5,488 |
| Net operating income to assets | 0.2938% | 5,633 |
| Return on assets (ROA) | 0.2938% | 5,836 |
| Pretax return on assets | 0.4141% | 5,684 |
| Return on Equity (ROE) | 2.7923% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.7923% | 4,875 |
| Net charge-offs to loans | 0.0062% | 5,658 |
| Credit loss provision to net charge-offs | 975.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 176.8555% | 255 |
| Efficiency ratio | 84.2679% | 1,559 |
| Assets per employee ($millions) | 5.0662% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5464% | 6,923 |
| Loan loss allowance to noncurrent loans | 58.7385% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3493% | 5,809 |
| Noncurrent loans to loans | 0.9301% | 4,571 |
| Net loans and leases to total assets | 37.3510% | 6,459 |
| Net loans and leases to deposits | 45.8308% | 6,398 |
| Net loans and leases to core deposits | 46.4008% | 6,495 |
| Total domestic deposits to total assets | 81.4976% | 5,189 |
| Equity capital to assets | 10.6290% | 3,695 |
| Core capital (leverage) ratio | 10.0411% | 3,491 |
| Tier 1 risk-based capital ratio | 17.7498% | 2,446 |
| Total risk-based capital ratio | 18.1139% | 2,758 |
| Memoranda: | ||
| Average total assets | $215,083,000 | 2,917 |
| Average earning assets | $197,465,750 | 2,892 |
| Average equity | $22,633,250 | 2,919 |
| Average total loans | $85,959,250 | 3,888 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 5,112 |
| Cost of funding earning assets | 1.2752% | 582 |
| Net interest margin | 2.8798% | 6,452 |
| Noninterest income to average assets | 0.1830% | 6,255 |
| Noninterest expense to average assets | 2.3851% | 5,506 |
| Loan and lease loss provision to assets | 0.0056% | 5,584 |
| Net operating income to assets | 0.3091% | 5,585 |
| Return on assets (ROA) | 0.3091% | 5,792 |
| Pretax return on assets | 0.4371% | 5,609 |
| Return on Equity (ROE) | 2.9476% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.9476% | 4,674 |
| Net charge-offs to loans | 0.0023% | 5,485 |
| Credit loss provision to net charge-offs | 600.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 474.0000% | 85 |
| Efficiency ratio | 84.3461% | 1,594 |
| Assets per employee ($millions) | 5.0183% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4905% | 7,029 |
| Loan loss allowance to noncurrent loans | 118.4659% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,235 |
| Noncurrent loans to loans | 0.4141% | 5,706 |
| Net loans and leases to total assets | 39.2034% | 6,391 |
| Net loans and leases to deposits | 47.9795% | 6,310 |
| Net loans and leases to core deposits | 48.5812% | 6,425 |
| Total domestic deposits to total assets | 81.7086% | 5,232 |
| Equity capital to assets | 10.5123% | 3,672 |
| Core capital (leverage) ratio | 10.1068% | 3,266 |
| Tier 1 risk-based capital ratio | 17.4469% | 2,489 |
| Total risk-based capital ratio | 17.7830% | 2,859 |
| Memoranda: | ||
| Average total assets | $214,161,670 | 2,932 |
| Average earning assets | $196,681,330 | 2,915 |
| Average equity | $22,459,330 | 2,928 |
| Average total loans | $87,340,670 | 3,872 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 5,056 |
| Cost of funding earning assets | 1.3148% | 592 |
| Net interest margin | 2.9000% | 6,488 |
| Noninterest income to average assets | 0.2006% | 6,190 |
| Noninterest expense to average assets | 2.3417% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3506% | 5,478 |
| Return on assets (ROA) | 0.3506% | 5,653 |
| Pretax return on assets | 0.5137% | 5,380 |
| Return on Equity (ROE) | 3.3472% | 5,574 |
| Retained earnings to average equity (ytd only) | 3.3472% | 4,560 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0092% | 1,931 |
| Assets per employee ($millions) | 4.8943% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4697% | 7,090 |
| Loan loss allowance to noncurrent loans | 104.5685% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 6,279 |
| Noncurrent loans to loans | 0.4492% | 5,777 |
| Net loans and leases to total assets | 40.5363% | 6,305 |
| Net loans and leases to deposits | 49.6915% | 6,164 |
| Net loans and leases to core deposits | 50.1710% | 6,329 |
| Total domestic deposits to total assets | 81.5760% | 5,436 |
| Equity capital to assets | 10.5466% | 3,433 |
| Core capital (leverage) ratio | 10.2379% | 3,068 |
| Tier 1 risk-based capital ratio | 17.3351% | 2,534 |
| Total risk-based capital ratio | 17.6672% | 2,911 |
| Memoranda: | ||
| Average total assets | $213,350,000 | 2,960 |
| Average earning assets | $195,308,500 | 2,958 |
| Average equity | $22,347,000 | 2,937 |
| Average total loans | $88,505,000 | 3,867 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 4,915 |
| Cost of funding earning assets | 1.4476% | 861 |
| Net interest margin | 3.0931% | 6,362 |
| Noninterest income to average assets | 0.1995% | 6,074 |
| Noninterest expense to average assets | 2.2376% | 6,192 |
| Loan and lease loss provision to assets | 0.0671% | 5,768 |
| Net operating income to assets | 0.4689% | 4,546 |
| Return on assets (ROA) | 0.4689% | 4,750 |
| Pretax return on assets | 0.7364% | 4,204 |
| Return on Equity (ROE) | 4.6222% | 4,562 |
| Retained earnings to average equity (ytd only) | 3.9561% | 3,381 |
| Net charge-offs to loans | 0.0752% | 5,567 |
| Credit loss provision to net charge-offs | 198.6486% | 1,272 |
| Earnings coverage of net charge-offs (x) | 23.7838% | 1,007 |
| Efficiency ratio | 73.5775% | 3,294 |
| Assets per employee ($millions) | 4.8034% | 2,448 |
| Cash dividends to net income (ytd only)* | 14.4109% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4614% | 7,128 |
| Loan loss allowance to noncurrent loans | 104.5685% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 6,350 |
| Noncurrent loans to loans | 0.4412% | 5,826 |
| Net loans and leases to total assets | 42.0587% | 6,382 |
| Net loans and leases to deposits | 52.0259% | 6,212 |
| Net loans and leases to core deposits | 52.7093% | 6,389 |
| Total domestic deposits to total assets | 80.8417% | 5,498 |
| Equity capital to assets | 10.4008% | 3,651 |
| Core capital (leverage) ratio | 9.9627% | 3,388 |
| Tier 1 risk-based capital ratio | 17.0090% | 2,601 |
| Total risk-based capital ratio | 17.3377% | 2,959 |
| Memoranda: | ||
| Average total assets | $219,026,200 | 2,848 |
| Average earning assets | $201,225,200 | 2,838 |
| Average equity | $22,219,000 | 2,869 |
| Average total loans | $98,346,000 | 3,665 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 4,944 |
| Cost of funding earning assets | 1.4579% | 998 |
| Net interest margin | 3.1222% | 6,355 |
| Noninterest income to average assets | 0.2028% | 6,155 |
| Noninterest expense to average assets | 2.2376% | 6,193 |
| Loan and lease loss provision to assets | 0.0640% | 5,651 |
| Net operating income to assets | 0.4852% | 4,603 |
| Return on assets (ROA) | 0.4852% | 4,798 |
| Pretax return on assets | 0.7676% | 4,250 |
| Return on Equity (ROE) | 4.8117% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.1475% | 3,778 |
| Net charge-offs to loans | 0.0371% | 5,623 |
| Credit loss provision to net charge-offs | 378.5714% | 750 |
| Earnings coverage of net charge-offs (x) | 49.2175% | 653 |
| Efficiency ratio | 72.9060% | 3,383 |
| Assets per employee ($millions) | 4.9077% | 2,310 |
| Cash dividends to net income (ytd only)* | 13.8064% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4415% | 7,199 |
| Loan loss allowance to noncurrent loans | 49.4076% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 5,961 |
| Noncurrent loans to loans | 0.8936% | 5,076 |
| Net loans and leases to total assets | 43.5442% | 6,375 |
| Net loans and leases to deposits | 53.8910% | 6,222 |
| Net loans and leases to core deposits | 54.5557% | 6,418 |
| Total domestic deposits to total assets | 80.8006% | 5,497 |
| Equity capital to assets | 10.3011% | 3,949 |
| Core capital (leverage) ratio | 9.6706% | 3,887 |
| Tier 1 risk-based capital ratio | 16.5831% | 2,821 |
| Total risk-based capital ratio | 16.9103% | 3,269 |
| Memoranda: | ||
| Average total assets | $220,945,250 | 2,833 |
| Average earning assets | $202,841,000 | 2,821 |
| Average equity | $22,278,250 | 2,860 |
| Average total loans | $100,606,750 | 3,633 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 4,974 |
| Cost of funding earning assets | 1.4604% | 1,160 |
| Net interest margin | 3.1371% | 6,314 |
| Noninterest income to average assets | 0.2075% | 6,181 |
| Noninterest expense to average assets | 2.2173% | 6,340 |
| Loan and lease loss provision to assets | 0.0234% | 6,001 |
| Net operating income to assets | 0.5238% | 4,400 |
| Return on assets (ROA) | 0.5238% | 4,545 |
| Pretax return on assets | 0.8463% | 3,847 |
| Return on Equity (ROE) | 5.2311% | 4,348 |
| Retained earnings to average equity (ytd only) | 4.5671% | 3,282 |
| Net charge-offs to loans | -0.0019% | 6,528 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8277% | 3,772 |
| Assets per employee ($millions) | 4.9878% | 2,140 |
| Cash dividends to net income (ytd only)* | 12.6930% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3735% | 7,308 |
| Loan loss allowance to noncurrent loans | 29.9264% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 5,812 |
| Noncurrent loans to loans | 1.2482% | 4,574 |
| Net loans and leases to total assets | 44.4808% | 6,392 |
| Net loans and leases to deposits | 54.8999% | 6,236 |
| Net loans and leases to core deposits | 55.5645% | 6,446 |
| Total domestic deposits to total assets | 81.0217% | 5,521 |
| Equity capital to assets | 10.4606% | 3,556 |
| Core capital (leverage) ratio | 9.5163% | 3,934 |
| Tier 1 risk-based capital ratio | 16.2913% | 2,837 |
| Total risk-based capital ratio | 16.5759% | 3,288 |
| Memoranda: | ||
| Average total assets | $222,614,000 | 2,831 |
| Average earning assets | $204,330,670 | 2,821 |
| Average equity | $22,289,670 | 2,843 |
| Average total loans | $102,660,330 | 3,616 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 4,722 |
| Cost of funding earning assets | 1.4765% | 1,269 |
| Net interest margin | 3.1789% | 6,135 |
| Noninterest income to average assets | 0.3140% | 5,415 |
| Noninterest expense to average assets | 2.2552% | 6,294 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5709% | 4,174 |
| Return on assets (ROA) | 0.5709% | 4,251 |
| Pretax return on assets | 0.9706% | 3,248 |
| Return on Equity (ROE) | 5.8298% | 4,001 |
| Retained earnings to average equity (ytd only) | 5.8298% | 2,739 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9115% | 4,296 |
| Assets per employee ($millions) | 5.1069% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3324% | 7,387 |
| Loan loss allowance to noncurrent loans | 33.6643% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5305% | 5,910 |
| Noncurrent loans to loans | 0.9873% | 5,065 |
| Net loans and leases to total assets | 45.2406% | 6,358 |
| Net loans and leases to deposits | 55.3344% | 6,188 |
| Net loans and leases to core deposits | 57.5634% | 6,297 |
| Total domestic deposits to total assets | 81.7586% | 5,407 |
| Equity capital to assets | 9.8864% | 3,916 |
| Core capital (leverage) ratio | 9.3111% | 4,110 |
| Tier 1 risk-based capital ratio | 15.8105% | 2,993 |
| Total risk-based capital ratio | 16.0686% | 3,494 |
| Memoranda: | ||
| Average total assets | $224,190,500 | 2,834 |
| Average earning assets | $205,352,500 | 2,836 |
| Average equity | $21,956,000 | 2,871 |
| Average total loans | $104,998,500 | 3,599 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 3,612 |
| Cost of funding earning assets | 1.6297% | 1,913 |
| Net interest margin | 3.5701% | 4,964 |
| Noninterest income to average assets | 0.2350% | 6,121 |
| Noninterest expense to average assets | 2.2693% | 6,434 |
| Loan and lease loss provision to assets | 0.0357% | 6,799 |
| Net operating income to assets | 1.2890% | 1,206 |
| Return on assets (ROA) | 1.1611% | 1,589 |
| Pretax return on assets | 1.0734% | 2,687 |
| Return on Equity (ROE) | 12.9678% | 1,096 |
| Retained earnings to average equity (ytd only) | 12.3924% | 246 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7203% | 5,219 |
| Assets per employee ($millions) | 5.2018% | 1,858 |
| Cash dividends to net income (ytd only)* | 4.4375% | 3,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3139% | 7,478 |
| Loan loss allowance to noncurrent loans | 46.8232% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 6,196 |
| Noncurrent loans to loans | 0.6704% | 5,704 |
| Net loans and leases to total assets | 48.1326% | 6,379 |
| Net loans and leases to deposits | 58.6532% | 6,194 |
| Net loans and leases to core deposits | 61.0177% | 6,313 |
| Total domestic deposits to total assets | 82.0631% | 5,168 |
| Equity capital to assets | 9.7001% | 4,133 |
| Core capital (leverage) ratio | 9.2321% | 4,120 |
| Tier 1 risk-based capital ratio | 15.1355% | 3,179 |
| Total risk-based capital ratio | 15.3865% | 3,736 |
| Memoranda: | ||
| Average total assets | $221,261,200 | 2,848 |
| Average earning assets | $202,739,400 | 2,837 |
| Average equity | $19,810,600 | 3,174 |
| Average total loans | $117,924,600 | 3,360 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3008% | 3,353 |
| Cost of funding earning assets | 1.6596% | 2,048 |
| Net interest margin | 3.6412% | 4,669 |
| Noninterest income to average assets | 0.2387% | 6,180 |
| Noninterest expense to average assets | 2.2744% | 6,398 |
| Loan and lease loss provision to assets | 0.0477% | 6,603 |
| Net operating income to assets | 1.4931% | 936 |
| Return on assets (ROA) | 1.3245% | 1,367 |
| Pretax return on assets | 1.0810% | 2,893 |
| Return on Equity (ROE) | 15.1124% | 839 |
| Retained earnings to average equity (ytd only) | 14.6091% | 230 |
| Net charge-offs to loans | 0.0011% | 6,666 |
| Credit loss provision to net charge-offs | 7,900.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 2,152.3308% | 8 |
| Efficiency ratio | 63.6779% | 5,305 |
| Assets per employee ($millions) | 4.8415% | 2,396 |
| Cash dividends to net income (ytd only)* | 3.3303% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2924% | 7,596 |
| Loan loss allowance to noncurrent loans | 48.8439% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4273% | 6,355 |
| Noncurrent loans to loans | 0.5986% | 6,012 |
| Net loans and leases to total assets | 52.9084% | 5,994 |
| Net loans and leases to deposits | 65.2611% | 5,749 |
| Net loans and leases to core deposits | 67.8965% | 5,956 |
| Total domestic deposits to total assets | 81.0719% | 5,335 |
| Equity capital to assets | 10.1516% | 3,947 |
| Core capital (leverage) ratio | 9.1236% | 4,492 |
| Tier 1 risk-based capital ratio | 14.7238% | 3,378 |
| Total risk-based capital ratio | 14.9713% | 3,997 |
| Memoranda: | ||
| Average total assets | $220,657,000 | 2,909 |
| Average earning assets | $201,977,000 | 2,891 |
| Average equity | $19,339,000 | 3,273 |
| Average total loans | $120,405,500 | 3,362 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3268% | 3,337 |
| Cost of funding earning assets | 1.6893% | 2,172 |
| Net interest margin | 3.6375% | 4,642 |
| Noninterest income to average assets | 0.2455% | 6,157 |
| Noninterest expense to average assets | 2.2294% | 6,573 |
| Loan and lease loss provision to assets | 0.0713% | 6,231 |
| Net operating income to assets | 1.8449% | 449 |
| Return on assets (ROA) | 1.5994% | 781 |
| Pretax return on assets | 1.0208% | 3,040 |
| Return on Equity (ROE) | 19.2473% | 368 |
| Retained earnings to average equity (ytd only) | 18.4544% | 117 |
| Net charge-offs to loans | 0.0016% | 6,362 |
| Credit loss provision to net charge-offs | 7,900.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 1,482.0000% | 13 |
| Efficiency ratio | 62.5000% | 5,613 |
| Assets per employee ($millions) | 4.9215% | 2,275 |
| Cash dividends to net income (ytd only)* | 4.1196% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2802% | 7,671 |
| Loan loss allowance to noncurrent loans | 48.4935% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 6,393 |
| Noncurrent loans to loans | 0.5778% | 6,095 |
| Net loans and leases to total assets | 54.3169% | 5,951 |
| Net loans and leases to deposits | 66.0911% | 5,793 |
| Net loans and leases to core deposits | 68.7777% | 5,989 |
| Total domestic deposits to total assets | 82.1849% | 4,914 |
| Equity capital to assets | 9.3738% | 4,895 |
| Core capital (leverage) ratio | 8.9604% | 4,670 |
| Tier 1 risk-based capital ratio | 14.2894% | 3,553 |
| Total risk-based capital ratio | 14.5348% | 4,180 |
| Memoranda: | ||
| Average total assets | $221,587,000 | 2,917 |
| Average earning assets | $202,335,330 | 2,913 |
| Average equity | $18,413,000 | 3,392 |
| Average total loans | $122,004,670 | 3,365 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 3,291 |
| Cost of funding earning assets | 1.7522% | 2,117 |
| Net interest margin | 3.5994% | 4,733 |
| Noninterest income to average assets | 0.2653% | 6,030 |
| Noninterest expense to average assets | 2.4183% | 6,020 |
| Loan and lease loss provision to assets | 0.0361% | 6,318 |
| Net operating income to assets | 0.7092% | 3,398 |
| Return on assets (ROA) | 0.7092% | 3,506 |
| Pretax return on assets | 1.0918% | 2,762 |
| Return on Equity (ROE) | 9.1186% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.1186% | 1,367 |
| Net charge-offs to loans | -0.0033% | 6,783 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1934% | 4,687 |
| Assets per employee ($millions) | 5.0107% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2302% | 7,798 |
| Loan loss allowance to noncurrent loans | 60.9544% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 6,683 |
| Noncurrent loans to loans | 0.3777% | 6,533 |
| Net loans and leases to total assets | 55.2351% | 5,856 |
| Net loans and leases to deposits | 69.1296% | 5,456 |
| Net loans and leases to core deposits | 69.9616% | 5,922 |
| Total domestic deposits to total assets | 79.9008% | 5,817 |
| Equity capital to assets | 8.1688% | 6,473 |
| Core capital (leverage) ratio | 8.2972% | 5,747 |
| Tier 1 risk-based capital ratio | 13.3108% | 4,116 |
| Total risk-based capital ratio | 13.5143% | 4,902 |
| Memoranda: | ||
| Average total assets | $221,646,000 | 2,970 |
| Average earning assets | $202,033,000 | 2,964 |
| Average equity | $17,239,500 | 3,615 |
| Average total loans | $122,690,500 | 3,412 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 6,114 |
| Cost of funding earning assets | 2.5532% | 891 |
| Net interest margin | 2.5400% | 7,382 |
| Noninterest income to average assets | 0.2607% | 6,249 |
| Noninterest expense to average assets | 3.3341% | 2,895 |
| Loan and lease loss provision to assets | 0.0004% | 7,425 |
| Net operating income to assets | -0.8569% | 6,479 |
| Return on assets (ROA) | -0.8569% | 6,476 |
| Pretax return on assets | -0.7610% | 6,243 |
| Return on Equity (ROE) | -12.1928% | 6,782 |
| Retained earnings to average equity (ytd only) | -12.7199% | 6,738 |
| Net charge-offs to loans | 0.0774% | 6,340 |
| Credit loss provision to net charge-offs | 1.0000% | 7,001 |
| Earnings coverage of net charge-offs (x) | -17.0400% | 7,185 |
| Efficiency ratio | 129.5525% | 483 |
| Assets per employee ($millions) | 4.9516% | 2,279 |
| Cash dividends to net income (ytd only)* | -4.3229% | 7,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2108% | 7,879 |
| Loan loss allowance to noncurrent loans | 185.7143% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 6,621 |
| Noncurrent loans to loans | 0.1135% | 7,134 |
| Net loans and leases to total assets | 55.2293% | 6,055 |
| Net loans and leases to deposits | 68.5666% | 5,767 |
| Net loans and leases to core deposits | 82.2459% | 5,892 |
| Total domestic deposits to total assets | 80.5484% | 5,490 |
| Equity capital to assets | 7.3912% | 7,126 |
| Core capital (leverage) ratio | 8.0352% | 6,109 |
| Tier 1 risk-based capital ratio | 12.5648% | 4,471 |
| Total risk-based capital ratio | 12.7464% | 5,361 |
| Memoranda: | ||
| Average total assets | $224,050,800 | 2,888 |
| Average earning assets | $204,019,600 | 2,920 |
| Average equity | $15,747,000 | 3,910 |
| Average total loans | $129,276,200 | 3,286 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 6,710 |
| Cost of funding earning assets | 2.6775% | 842 |
| Net interest margin | 2.2895% | 7,655 |
| Noninterest income to average assets | 0.2650% | 6,332 |
| Noninterest expense to average assets | 3.7112% | 1,795 |
| Loan and lease loss provision to assets | 0.0006% | 7,283 |
| Net operating income to assets | -1.3662% | 7,046 |
| Return on assets (ROA) | -1.3662% | 7,044 |
| Pretax return on assets | -1.3639% | 6,893 |
| Return on Equity (ROE) | -19.6914% | 7,365 |
| Retained earnings to average equity (ytd only) | -20.4023% | 7,350 |
| Net charge-offs to loans | 0.1030% | 5,643 |
| Credit loss provision to net charge-offs | 0.9901% | 6,655 |
| Earnings coverage of net charge-offs (x) | -22.7134% | 6,942 |
| Efficiency ratio | 158.0613% | 276 |
| Assets per employee ($millions) | 4.8529% | 2,330 |
| Cash dividends to net income (ytd only)* | -3.6101% | 7,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2068% | 7,972 |
| Loan loss allowance to noncurrent loans | 110.6838% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 6,398 |
| Noncurrent loans to loans | 0.1868% | 7,029 |
| Net loans and leases to total assets | 54.7981% | 6,296 |
| Net loans and leases to deposits | 65.7918% | 6,329 |
| Net loans and leases to core deposits | 80.8717% | 6,279 |
| Total domestic deposits to total assets | 83.2902% | 4,067 |
| Equity capital to assets | 6.8421% | 7,666 |
| Core capital (leverage) ratio | 7.6826% | 6,748 |
| Tier 1 risk-based capital ratio | 12.1695% | 4,822 |
| Total risk-based capital ratio | 12.3486% | 5,809 |
| Memoranda: | ||
| Average total assets | $224,358,500 | 2,901 |
| Average earning assets | $204,114,000 | 2,931 |
| Average equity | $15,566,500 | 3,989 |
| Average total loans | $130,764,750 | 3,291 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 7,005 |
| Cost of funding earning assets | 2.7365% | 946 |
| Net interest margin | 2.1750% | 7,768 |
| Noninterest income to average assets | 0.2671% | 6,360 |
| Noninterest expense to average assets | 4.5304% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -2.1845% | 7,473 |
| Return on assets (ROA) | -2.1845% | 7,471 |
| Pretax return on assets | -2.2876% | 7,369 |
| Return on Equity (ROE) | -31.3373% | 7,732 |
| Retained earnings to average equity (ytd only) | -32.4046% | 7,724 |
| Net charge-offs to loans | 0.1523% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -25.2673% | 6,572 |
| Efficiency ratio | 201.9984% | 193 |
| Assets per employee ($millions) | 4.8130% | 2,304 |
| Cash dividends to net income (ytd only)* | -3.4058% | 7,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2016% | 8,065 |
| Loan loss allowance to noncurrent loans | 586.3636% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 6,624 |
| Noncurrent loans to loans | 0.0344% | 7,456 |
| Net loans and leases to total assets | 55.2832% | 6,302 |
| Net loans and leases to deposits | 65.4005% | 6,445 |
| Net loans and leases to core deposits | 80.3637% | 6,373 |
| Total domestic deposits to total assets | 84.5302% | 3,484 |
| Equity capital to assets | 6.0807% | 7,913 |
| Core capital (leverage) ratio | 7.7035% | 6,754 |
| Tier 1 risk-based capital ratio | 12.3832% | 4,615 |
| Total risk-based capital ratio | 12.5661% | 5,478 |
| Memoranda: | ||
| Average total assets | $223,115,330 | 2,936 |
| Average earning assets | $202,665,000 | 2,970 |
| Average equity | $15,553,330 | 4,011 |
| Average total loans | $132,604,000 | 3,295 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 6,856 |
| Cost of funding earning assets | 2.8139% | 951 |
| Net interest margin | 2.2181% | 7,779 |
| Noninterest income to average assets | 0.2792% | 6,191 |
| Noninterest expense to average assets | 2.7870% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3942% | 6,778 |
| Return on assets (ROA) | -0.3942% | 6,851 |
| Pretax return on assets | -0.4964% | 6,815 |
| Return on Equity (ROE) | -5.2987% | 6,999 |
| Retained earnings to average equity (ytd only) | -7.3347% | 6,832 |
| Net charge-offs to loans | 0.0415% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -19.4286% | 5,662 |
| Efficiency ratio | 121.6733% | 604 |
| Assets per employee ($millions) | 4.6295% | 2,531 |
| Cash dividends to net income (ytd only)* | -38.4259% | 8,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2588% | 8,063 |
| Loan loss allowance to noncurrent loans | 33.9901% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 6,155 |
| Noncurrent loans to loans | 0.7615% | 5,526 |
| Net loans and leases to total assets | 58.6034% | 5,855 |
| Net loans and leases to deposits | 70.3196% | 5,948 |
| Net loans and leases to core deposits | 85.9574% | 5,905 |
| Total domestic deposits to total assets | 83.3385% | 3,984 |
| Equity capital to assets | 6.8553% | 7,747 |
| Core capital (leverage) ratio | 8.7757% | 5,027 |
| Tier 1 risk-based capital ratio | 14.4327% | 3,346 |
| Total risk-based capital ratio | 14.6856% | 3,823 |
| Memoranda: | ||
| Average total assets | $219,160,500 | 2,996 |
| Average earning assets | $198,730,000 | 3,031 |
| Average equity | $16,306,000 | 3,885 |
| Average total loans | $134,918,000 | 3,272 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4934% | 7,317 |
| Cost of funding earning assets | 2.8854% | 2,326 |
| Net interest margin | 2.6080% | 7,636 |
| Noninterest income to average assets | 0.3558% | 5,885 |
| Noninterest expense to average assets | 2.7134% | 5,206 |
| Loan and lease loss provision to assets | 0.0521% | 6,766 |
| Net operating income to assets | -0.0607% | 6,454 |
| Return on assets (ROA) | -0.3915% | 6,695 |
| Pretax return on assets | -0.3415% | 6,494 |
| Return on Equity (ROE) | -4.1386% | 6,765 |
| Retained earnings to average equity (ytd only) | -5.8761% | 6,648 |
| Net charge-offs to loans | 0.0030% | 6,971 |
| Credit loss provision to net charge-offs | 2,550.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 20.2500% | 1,584 |
| Efficiency ratio | 98.4992% | 1,040 |
| Assets per employee ($millions) | 4.5973% | 2,478 |
| Cash dividends to net income (ytd only)* | -41.9817% | 8,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2629% | 8,114 |
| Loan loss allowance to noncurrent loans | 36.1167% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 5,816 |
| Noncurrent loans to loans | 0.7279% | 5,212 |
| Net loans and leases to total assets | 64.4013% | 5,190 |
| Net loans and leases to deposits | 78.8550% | 5,217 |
| Net loans and leases to core deposits | 96.0919% | 5,250 |
| Total domestic deposits to total assets | 81.6706% | 4,330 |
| Equity capital to assets | 8.0677% | 6,752 |
| Core capital (leverage) ratio | 11.1763% | 2,445 |
| Tier 1 risk-based capital ratio | 15.4377% | 2,864 |
| Total risk-based capital ratio | 15.7150% | 3,225 |
| Memoranda: | ||
| Average total assets | $195,913,800 | 3,190 |
| Average earning assets | $180,217,500 | 3,184 |
| Average equity | $18,532,800 | 3,471 |
| Average total loans | $134,389,400 | 3,189 |