Home > Southern Bank of Tennessee > Performance and Condition Ratios
Southern Bank of Tennessee, 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 | 5.3984% | 1,315 |
| Cost of funding earning assets | 2.1778% | 671 |
| Net interest margin | 3.2206% | 2,832 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.8073% | 1,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5260% | 3,613 |
| Return on assets (ROA) | 0.5260% | 3,598 |
| Pretax return on assets | 0.4991% | 3,810 |
| Return on Equity (ROE) | 4.8800% | 3,744 |
| Retained earnings to average equity (ytd only) | -3.6808% | 4,358 |
| Net charge-offs to loans | 0.0011% | 2,830 |
| Credit loss provision to net charge-offs | 5,333.3333% | 102 |
| Earnings coverage of net charge-offs (x) | 635.0000% | 229 |
| Efficiency ratio | 84.9061% | 616 |
| Assets per employee ($millions) | 5.7476% | 3,024 |
| Cash dividends to net income (ytd only)* | 175.4482% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 3,548 |
| Loan loss allowance to noncurrent loans | 2,538.4615% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,524 |
| Noncurrent loans to loans | 0.0373% | 3,465 |
| Net loans and leases to total assets | 68.6000% | 1,967 |
| Net loans and leases to deposits | 80.1508% | 2,092 |
| Net loans and leases to core deposits | 98.9071% | 1,494 |
| Total domestic deposits to total assets | 85.5900% | 2,139 |
| Equity capital to assets | 10.0218% | 1,992 |
| Core capital (leverage) ratio | 10.3206% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5915% | 1,653 |
| Memoranda: | ||
| Average total assets | $381,724,400 | 2,073 |
| Average earning assets | $360,867,000 | 2,039 |
| Average equity | $41,159,600 | 1,844 |
| Average total loans | $273,068,200 | 1,905 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 1,276 |
| Cost of funding earning assets | 1.9647% | 751 |
| Net interest margin | 3.3466% | 2,580 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.8760% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5523% | 3,659 |
| Return on assets (ROA) | 0.5523% | 3,646 |
| Pretax return on assets | 0.5913% | 3,751 |
| Return on Equity (ROE) | 5.0300% | 3,801 |
| Retained earnings to average equity (ytd only) | -6.3266% | 4,451 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.9470% | 671 |
| Assets per employee ($millions) | 5.6293% | 3,078 |
| Cash dividends to net income (ytd only)* | 225.8333% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 3,441 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 69.7200% | 1,864 |
| Net loans and leases to deposits | 80.2043% | 2,027 |
| Net loans and leases to core deposits | 97.5252% | 1,473 |
| Total domestic deposits to total assets | 86.9300% | 1,915 |
| Equity capital to assets | 9.9639% | 1,853 |
| Core capital (leverage) ratio | 10.4660% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5238% | 1,707 |
| Memoranda: | ||
| Average total assets | $376,572,000 | 2,095 |
| Average earning assets | $355,660,000 | 2,063 |
| Average equity | $41,369,250 | 1,819 |
| Average total loans | $271,670,000 | 1,909 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1147% | 1,342 |
| Cost of funding earning assets | 1.7085% | 874 |
| Net interest margin | 3.4062% | 2,497 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.9589% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5605% | 3,675 |
| Return on assets (ROA) | 0.5605% | 3,684 |
| Pretax return on assets | 0.5999% | 3,803 |
| Return on Equity (ROE) | 4.9400% | 3,882 |
| Retained earnings to average equity (ytd only) | 0.9175% | 3,929 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.1439% | 648 |
| Assets per employee ($millions) | 5.6572% | 3,014 |
| Cash dividends to net income (ytd only)* | 81.4244% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,552 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 74.0800% | 1,283 |
| Net loans and leases to deposits | 84.0834% | 1,661 |
| Net loans and leases to core deposits | 99.9120% | 1,246 |
| Total domestic deposits to total assets | 88.1100% | 1,563 |
| Equity capital to assets | 11.3043% | 1,269 |
| Core capital (leverage) ratio | 11.6414% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3784% | 1,459 |
| Memoranda: | ||
| Average total assets | $370,745,667 | 2,120 |
| Average earning assets | $349,774,000 | 2,097 |
| Average equity | $42,071,333 | 1,809 |
| Average total loans | $269,732,000 | 1,909 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 1,394 |
| Cost of funding earning assets | 1.4747% | 885 |
| Net interest margin | 3.4336% | 2,548 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.8679% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6726% | 3,523 |
| Return on assets (ROA) | 0.6726% | 3,477 |
| Pretax return on assets | 0.7124% | 3,632 |
| Return on Equity (ROE) | 5.9200% | 3,729 |
| Retained earnings to average equity (ytd only) | -2.0792% | 4,210 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.1020% | 828 |
| Assets per employee ($millions) | 5.5553% | 3,165 |
| Cash dividends to net income (ytd only)* | 135.1438% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,697 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 71.8700% | 1,437 |
| Net loans and leases to deposits | 81.4335% | 1,714 |
| Net loans and leases to core deposits | 95.4926% | 1,312 |
| Total domestic deposits to total assets | 88.2500% | 1,839 |
| Equity capital to assets | 11.3004% | 1,225 |
| Core capital (leverage) ratio | 11.5119% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4656% | 1,504 |
| Memoranda: | ||
| Average total assets | $372,260,000 | 2,144 |
| Average earning assets | $350,998,000 | 2,116 |
| Average equity | $42,323,000 | 1,825 |
| Average total loans | $267,063,500 | 1,937 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 1,425 |
| Cost of funding earning assets | 0.5179% | 1,281 |
| Net interest margin | 3.6044% | 1,631 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.8518% | 1,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9913% | 2,603 |
| Return on assets (ROA) | 0.9913% | 2,550 |
| Pretax return on assets | 0.9827% | 3,123 |
| Return on Equity (ROE) | 8.9100% | 3,150 |
| Retained earnings to average equity (ytd only) | 4.7273% | 3,162 |
| Net charge-offs to loans | -0.0051% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3724% | 1,177 |
| Assets per employee ($millions) | 5.1710% | 3,535 |
| Cash dividends to net income (ytd only)* | 46.9737% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 3,757 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,756 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.2800% | 1,611 |
| Net loans and leases to deposits | 79.5609% | 1,805 |
| Net loans and leases to core deposits | 90.1309% | 1,497 |
| Total domestic deposits to total assets | 88.3400% | 1,951 |
| Equity capital to assets | 11.4380% | 1,104 |
| Core capital (leverage) ratio | 11.6188% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6550% | 1,442 |
| Memoranda: | ||
| Average total assets | $383,336,400 | 2,091 |
| Average earning assets | $362,612,400 | 2,061 |
| Average equity | $42,625,200 | 1,839 |
| Average total loans | $255,035,600 | 1,912 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9078% | 1,468 |
| Cost of funding earning assets | 0.3739% | 1,490 |
| Net interest margin | 3.5339% | 1,566 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.8435% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9203% | 2,792 |
| Return on assets (ROA) | 0.9203% | 2,761 |
| Pretax return on assets | 0.9849% | 3,059 |
| Return on Equity (ROE) | 8.3300% | 3,222 |
| Retained earnings to average equity (ytd only) | 2.7520% | 3,845 |
| Net charge-offs to loans | -0.0069% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.2739% | 1,251 |
| Assets per employee ($millions) | 5.5060% | 3,213 |
| Cash dividends to net income (ytd only)* | 66.9794% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 3,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 2,860 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.2700% | 1,859 |
| Net loans and leases to deposits | 74.4138% | 2,013 |
| Net loans and leases to core deposits | 83.5145% | 1,690 |
| Total domestic deposits to total assets | 89.0600% | 2,067 |
| Equity capital to assets | 10.7752% | 1,261 |
| Core capital (leverage) ratio | 11.0051% | 1,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3185% | 1,615 |
| Memoranda: | ||
| Average total assets | $386,092,500 | 2,097 |
| Average earning assets | $365,517,000 | 2,068 |
| Average equity | $42,635,250 | 1,863 |
| Average total loans | $252,780,750 | 1,925 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7167% | 1,498 |
| Cost of funding earning assets | 0.2986% | 1,724 |
| Net interest margin | 3.4181% | 1,547 |
| Noninterest income to average assets | 0.5405% | 1,991 |
| Noninterest expense to average assets | 2.8490% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8666% | 2,705 |
| Return on assets (ROA) | 0.8666% | 2,683 |
| Pretax return on assets | 0.9272% | 2,975 |
| Return on Equity (ROE) | 7.7854% | 3,078 |
| Retained earnings to average equity (ytd only) | -0.5162% | 4,239 |
| Net charge-offs to loans | -0.0104% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4456% | 1,341 |
| Assets per employee ($millions) | 5.9749% | 2,765 |
| Cash dividends to net income (ytd only)* | 106.6308% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 3,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 2,967 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.7798% | 2,038 |
| Net loans and leases to deposits | 70.3337% | 2,170 |
| Net loans and leases to core deposits | 75.8885% | 2,026 |
| Total domestic deposits to total assets | 89.2598% | 2,065 |
| Equity capital to assets | 10.4074% | 1,478 |
| Core capital (leverage) ratio | 10.6150% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2865% | 1,633 |
| Memoranda: | ||
| Average total assets | $386,316,000 | 2,106 |
| Average earning assets | $365,701,667 | 2,079 |
| Average equity | $43,003,667 | 1,894 |
| Average total loans | $251,100,333 | 1,941 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 1,116 |
| Cost of funding earning assets | 0.3067% | 1,592 |
| Net interest margin | 3.4759% | 1,135 |
| Noninterest income to average assets | 0.6401% | 1,532 |
| Noninterest expense to average assets | 2.9274% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9343% | 2,137 |
| Return on assets (ROA) | 0.9343% | 2,129 |
| Pretax return on assets | 0.9997% | 2,442 |
| Return on Equity (ROE) | 8.1147% | 2,645 |
| Retained earnings to average equity (ytd only) | -0.6045% | 4,098 |
| Net charge-offs to loans | -0.0208% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5435% | 1,683 |
| Assets per employee ($millions) | 5.3805% | 3,415 |
| Cash dividends to net income (ytd only)* | 107.4492% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9739% | 3,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 3,029 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 63.5349% | 1,681 |
| Net loans and leases to deposits | 71.6771% | 1,808 |
| Net loans and leases to core deposits | 78.1179% | 1,605 |
| Total domestic deposits to total assets | 88.6405% | 2,236 |
| Equity capital to assets | 11.2336% | 1,220 |
| Core capital (leverage) ratio | 11.3033% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8717% | 1,544 |
| Memoranda: | ||
| Average total assets | $379,314,000 | 2,135 |
| Average earning assets | $358,696,000 | 2,119 |
| Average equity | $43,674,000 | 1,932 |
| Average total loans | $249,797,000 | 1,938 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 1,787 |
| Cost of funding earning assets | 0.4387% | 1,266 |
| Net interest margin | 3.3947% | 2,049 |
| Noninterest income to average assets | 0.8985% | 1,203 |
| Noninterest expense to average assets | 3.0154% | 955 |
| Loan and lease loss provision to assets | 0.0709% | 1,667 |
| Net operating income to assets | 1.0307% | 2,555 |
| Return on assets (ROA) | 1.0307% | 2,628 |
| Pretax return on assets | 1.0112% | 3,233 |
| Return on Equity (ROE) | 8.6866% | 3,019 |
| Retained earnings to average equity (ytd only) | 5.3000% | 2,674 |
| Net charge-offs to loans | -0.0020% | 3,365 |
| Credit loss provision to net charge-offs | -5,160.0000% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5914% | 1,356 |
| Assets per employee ($millions) | 5.3044% | 3,473 |
| Cash dividends to net income (ytd only)* | 38.9867% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 3,985 |
| Loan loss allowance to noncurrent loans | 1,198.9899% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 2,779 |
| Noncurrent loans to loans | 0.0778% | 3,540 |
| Net loans and leases to total assets | 66.9441% | 1,378 |
| Net loans and leases to deposits | 76.0247% | 1,562 |
| Net loans and leases to core deposits | 83.8642% | 1,339 |
| Total domestic deposits to total assets | 88.0556% | 2,015 |
| Equity capital to assets | 11.7983% | 1,346 |
| Core capital (leverage) ratio | 11.1929% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5628% | 1,666 |
| Memoranda: | ||
| Average total assets | $363,833,600 | 2,132 |
| Average earning assets | $342,856,000 | 2,113 |
| Average equity | $43,169,800 | 1,973 |
| Average total loans | $245,566,400 | 1,957 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8724% | 1,845 |
| Cost of funding earning assets | 0.4649% | 1,256 |
| Net interest margin | 3.4076% | 2,131 |
| Noninterest income to average assets | 0.9653% | 1,126 |
| Noninterest expense to average assets | 3.0131% | 947 |
| Loan and lease loss provision to assets | 0.0954% | 1,251 |
| Net operating income to assets | 0.9960% | 2,926 |
| Return on assets (ROA) | 0.9960% | 2,993 |
| Pretax return on assets | 1.0655% | 3,284 |
| Return on Equity (ROE) | 8.3818% | 3,290 |
| Retained earnings to average equity (ytd only) | 3.8331% | 3,628 |
| Net charge-offs to loans | -0.0022% | 3,240 |
| Credit loss provision to net charge-offs | -6,450.0000% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1878% | 1,385 |
| Assets per employee ($millions) | 5.3216% | 3,386 |
| Cash dividends to net income (ytd only)* | 54.2687% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,974 |
| Loan loss allowance to noncurrent loans | 1,275.2688% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 2,932 |
| Noncurrent loans to loans | 0.0754% | 3,717 |
| Net loans and leases to total assets | 65.5567% | 1,593 |
| Net loans and leases to deposits | 74.4689% | 1,814 |
| Net loans and leases to core deposits | 82.6076% | 1,528 |
| Total domestic deposits to total assets | 88.0324% | 1,824 |
| Equity capital to assets | 11.7486% | 1,515 |
| Core capital (leverage) ratio | 11.2912% | 1,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6554% | 1,733 |
| Memoranda: | ||
| Average total assets | $360,638,750 | 2,170 |
| Average earning assets | $339,590,250 | 2,153 |
| Average equity | $42,853,750 | 2,013 |
| Average total loans | $243,334,500 | 1,997 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 1,851 |
| Cost of funding earning assets | 0.4949% | 1,231 |
| Net interest margin | 3.3916% | 2,165 |
| Noninterest income to average assets | 1.0132% | 1,048 |
| Noninterest expense to average assets | 3.0274% | 940 |
| Loan and lease loss provision to assets | 0.1335% | 924 |
| Net operating income to assets | 0.9740% | 2,981 |
| Return on assets (ROA) | 0.9740% | 3,064 |
| Pretax return on assets | 1.0418% | 3,350 |
| Return on Equity (ROE) | 8.1645% | 3,362 |
| Retained earnings to average equity (ytd only) | 1.2926% | 4,279 |
| Net charge-offs to loans | -0.0008% | 3,073 |
| Credit loss provision to net charge-offs | -23,800.0000% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0347% | 1,432 |
| Assets per employee ($millions) | 5.0434% | 3,625 |
| Cash dividends to net income (ytd only)* | 84.1681% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 3,870 |
| Loan loss allowance to noncurrent loans | 441.5414% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 2,536 |
| Noncurrent loans to loans | 0.2229% | 3,162 |
| Net loans and leases to total assets | 65.0758% | 1,815 |
| Net loans and leases to deposits | 74.1027% | 1,988 |
| Net loans and leases to core deposits | 83.0245% | 1,637 |
| Total domestic deposits to total assets | 87.8185% | 1,931 |
| Equity capital to assets | 11.7817% | 1,468 |
| Core capital (leverage) ratio | 11.1478% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6818% | 1,728 |
| Memoranda: | ||
| Average total assets | $356,680,333 | 2,177 |
| Average earning assets | $335,421,333 | 2,164 |
| Average equity | $42,550,000 | 2,014 |
| Average total loans | $242,252,667 | 2,014 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 1,732 |
| Cost of funding earning assets | 0.5412% | 1,158 |
| Net interest margin | 3.3953% | 2,126 |
| Noninterest income to average assets | 1.0298% | 1,089 |
| Noninterest expense to average assets | 3.0001% | 995 |
| Loan and lease loss provision to assets | 0.2082% | 577 |
| Net operating income to assets | 0.9438% | 2,993 |
| Return on assets (ROA) | 0.9438% | 3,080 |
| Pretax return on assets | 1.0095% | 3,344 |
| Return on Equity (ROE) | 7.8616% | 3,370 |
| Retained earnings to average equity (ytd only) | 0.4902% | 4,308 |
| Net charge-offs to loans | 0.0033% | 1,811 |
| Credit loss provision to net charge-offs | 9,200.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 538.0000% | 176 |
| Efficiency ratio | 71.1296% | 1,596 |
| Assets per employee ($millions) | 4.9804% | 3,682 |
| Cash dividends to net income (ytd only)* | 93.7650% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 3,997 |
| Loan loss allowance to noncurrent loans | 446.9786% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 2,775 |
| Noncurrent loans to loans | 0.2142% | 3,339 |
| Net loans and leases to total assets | 66.1561% | 1,782 |
| Net loans and leases to deposits | 75.2106% | 1,993 |
| Net loans and leases to core deposits | 85.2669% | 1,571 |
| Total domestic deposits to total assets | 87.9611% | 1,861 |
| Equity capital to assets | 11.8496% | 1,360 |
| Core capital (leverage) ratio | 11.4634% | 1,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9219% | 1,590 |
| Memoranda: | ||
| Average total assets | $353,458,500 | 2,169 |
| Average earning assets | $331,870,500 | 2,168 |
| Average equity | $42,434,000 | 2,006 |
| Average total loans | $244,051,500 | 1,999 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 1,634 |
| Cost of funding earning assets | 0.9189% | 809 |
| Net interest margin | 3.4641% | 2,583 |
| Noninterest income to average assets | 0.9112% | 1,235 |
| Noninterest expense to average assets | 3.1847% | 1,083 |
| Loan and lease loss provision to assets | 0.0578% | 3,645 |
| Net operating income to assets | 0.8500% | 2,897 |
| Return on assets (ROA) | 0.8500% | 3,036 |
| Pretax return on assets | 0.8893% | 3,395 |
| Return on Equity (ROE) | 6.7018% | 3,324 |
| Retained earnings to average equity (ytd only) | 4.2142% | 2,706 |
| Net charge-offs to loans | 0.0157% | 2,790 |
| Credit loss provision to net charge-offs | 519.4444% | 1,223 |
| Earnings coverage of net charge-offs (x) | 85.0556% | 864 |
| Efficiency ratio | 77.0774% | 1,115 |
| Assets per employee ($millions) | 5.1225% | 3,263 |
| Cash dividends to net income (ytd only)* | 37.1179% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,326 |
| Loan loss allowance to noncurrent loans | 366.4931% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 2,790 |
| Noncurrent loans to loans | 0.2317% | 3,369 |
| Net loans and leases to total assets | 70.7582% | 1,460 |
| Net loans and leases to deposits | 80.7589% | 1,787 |
| Net loans and leases to core deposits | 92.4286% | 1,353 |
| Total domestic deposits to total assets | 87.6166% | 1,649 |
| Equity capital to assets | 12.1658% | 1,493 |
| Core capital (leverage) ratio | 11.7287% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7050% | 1,627 |
| Memoranda: | ||
| Average total assets | $323,296,000 | 2,169 |
| Average earning assets | $300,566,000 | 2,174 |
| Average equity | $41,003,800 | 1,989 |
| Average total loans | $229,580,800 | 2,039 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 1,781 |
| Cost of funding earning assets | 0.9951% | 771 |
| Net interest margin | 3.4315% | 2,810 |
| Noninterest income to average assets | 0.8811% | 1,281 |
| Noninterest expense to average assets | 3.2037% | 1,071 |
| Loan and lease loss provision to assets | 0.0252% | 4,021 |
| Net operating income to assets | 0.7805% | 3,165 |
| Return on assets (ROA) | 0.7805% | 3,280 |
| Pretax return on assets | 0.8369% | 3,551 |
| Return on Equity (ROE) | 6.0860% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.7413% | 3,630 |
| Net charge-offs to loans | 0.0231% | 2,384 |
| Credit loss provision to net charge-offs | 153.8462% | 2,304 |
| Earnings coverage of net charge-offs (x) | 52.5641% | 1,163 |
| Efficiency ratio | 78.7960% | 967 |
| Assets per employee ($millions) | 4.9453% | 3,321 |
| Cash dividends to net income (ytd only)* | 54.9569% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8333% | 4,280 |
| Loan loss allowance to noncurrent loans | 346.3287% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 2,873 |
| Noncurrent loans to loans | 0.2406% | 3,444 |
| Net loans and leases to total assets | 70.1031% | 1,934 |
| Net loans and leases to deposits | 80.2140% | 2,294 |
| Net loans and leases to core deposits | 91.9628% | 1,800 |
| Total domestic deposits to total assets | 87.3951% | 1,493 |
| Equity capital to assets | 12.3114% | 1,509 |
| Core capital (leverage) ratio | 11.9846% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9691% | 1,507 |
| Memoranda: | ||
| Average total assets | $317,037,500 | 2,187 |
| Average earning assets | $294,246,000 | 2,190 |
| Average equity | $40,660,500 | 1,985 |
| Average total loans | $224,830,250 | 2,067 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5404% | 1,799 |
| Cost of funding earning assets | 1.0777% | 770 |
| Net interest margin | 3.4627% | 2,912 |
| Noninterest income to average assets | 0.7894% | 1,467 |
| Noninterest expense to average assets | 3.2226% | 1,116 |
| Loan and lease loss provision to assets | 0.0097% | 4,087 |
| Net operating income to assets | 0.7095% | 3,365 |
| Return on assets (ROA) | 0.7095% | 3,476 |
| Pretax return on assets | 0.7598% | 3,706 |
| Return on Equity (ROE) | 5.4536% | 3,697 |
| Retained earnings to average equity (ytd only) | 0.4058% | 4,230 |
| Net charge-offs to loans | 0.0490% | 1,782 |
| Credit loss provision to net charge-offs | 27.7778% | 2,709 |
| Earnings coverage of net charge-offs (x) | 22.1296% | 1,638 |
| Efficiency ratio | 80.7258% | 837 |
| Assets per employee ($millions) | 4.7541% | 3,465 |
| Cash dividends to net income (ytd only)* | 92.5590% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 4,215 |
| Loan loss allowance to noncurrent loans | 345.5036% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 3,004 |
| Noncurrent loans to loans | 0.2438% | 3,508 |
| Net loans and leases to total assets | 69.9637% | 2,037 |
| Net loans and leases to deposits | 80.3638% | 2,384 |
| Net loans and leases to core deposits | 93.7849% | 1,758 |
| Total domestic deposits to total assets | 87.0587% | 1,596 |
| Equity capital to assets | 12.5058% | 1,372 |
| Core capital (leverage) ratio | 12.1413% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4712% | 1,372 |
| Memoranda: | ||
| Average total assets | $310,622,667 | 2,191 |
| Average earning assets | $287,289,667 | 2,209 |
| Average equity | $40,413,667 | 1,979 |
| Average total loans | $220,532,000 | 2,078 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7754% | 1,488 |
| Cost of funding earning assets | 1.1985% | 776 |
| Net interest margin | 3.5769% | 2,744 |
| Noninterest income to average assets | 0.8347% | 1,209 |
| Noninterest expense to average assets | 3.2337% | 1,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8334% | 2,780 |
| Return on assets (ROA) | 0.8334% | 2,864 |
| Pretax return on assets | 0.8926% | 3,156 |
| Return on Equity (ROE) | 6.2763% | 3,213 |
| Retained earnings to average equity (ytd only) | 0.0495% | 3,979 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3689% | 1,298 |
| Assets per employee ($millions) | 4.6632% | 3,046 |
| Cash dividends to net income (ytd only)* | 99.2114% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 4,134 |
| Loan loss allowance to noncurrent loans | 1,831.7757% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 4,445 |
| Noncurrent loans to loans | 0.0487% | 4,353 |
| Net loans and leases to total assets | 70.7015% | 2,134 |
| Net loans and leases to deposits | 81.6356% | 2,501 |
| Net loans and leases to core deposits | 96.3279% | 1,763 |
| Total domestic deposits to total assets | 86.6062% | 1,733 |
| Equity capital to assets | 13.0701% | 1,395 |
| Core capital (leverage) ratio | 12.7627% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5827% | 1,447 |
| Memoranda: | ||
| Average total assets | $304,293,000 | 2,183 |
| Average earning assets | $280,018,000 | 2,198 |
| Average equity | $40,406,000 | 1,975 |
| Average total loans | $216,747,500 | 2,066 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1922% | 1,014 |
| Cost of funding earning assets | 1.2756% | 824 |
| Net interest margin | 3.9166% | 2,114 |
| Noninterest income to average assets | 0.8080% | 1,426 |
| Noninterest expense to average assets | 3.1961% | 1,529 |
| Loan and lease loss provision to assets | 0.0347% | 3,315 |
| Net operating income to assets | 1.1232% | 2,359 |
| Return on assets (ROA) | 1.1254% | 2,448 |
| Pretax return on assets | 1.2046% | 2,830 |
| Return on Equity (ROE) | 8.3503% | 3,020 |
| Retained earnings to average equity (ytd only) | 5.2225% | 2,300 |
| Net charge-offs to loans | -0.0033% | 4,282 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0978% | 1,852 |
| Assets per employee ($millions) | 4.5578% | 3,149 |
| Cash dividends to net income (ytd only)* | 37.4576% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 3,894 |
| Loan loss allowance to noncurrent loans | 4,666.6667% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,596 |
| Noncurrent loans to loans | 0.0196% | 4,490 |
| Net loans and leases to total assets | 70.4673% | 2,318 |
| Net loans and leases to deposits | 81.8387% | 2,577 |
| Net loans and leases to core deposits | 97.4043% | 1,779 |
| Total domestic deposits to total assets | 86.1051% | 2,030 |
| Equity capital to assets | 13.4920% | 1,279 |
| Core capital (leverage) ratio | 13.0970% | 1,197 |
| Tier 1 risk-based capital ratio | 16.0199% | 2,402 |
| Total risk-based capital ratio | 16.8430% | 2,480 |
| Memoranda: | ||
| Average total assets | $287,979,400 | 2,237 |
| Average earning assets | $266,534,800 | 2,239 |
| Average equity | $38,813,200 | 1,985 |
| Average total loans | $211,346,600 | 2,075 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 1,009 |
| Cost of funding earning assets | 1.2726% | 854 |
| Net interest margin | 3.9433% | 2,121 |
| Noninterest income to average assets | 0.7599% | 1,562 |
| Noninterest expense to average assets | 3.1641% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1588% | 2,332 |
| Return on assets (ROA) | 1.1588% | 2,424 |
| Pretax return on assets | 1.2403% | 2,849 |
| Return on Equity (ROE) | 8.6003% | 3,056 |
| Retained earnings to average equity (ytd only) | 4.3818% | 3,207 |
| Net charge-offs to loans | -0.0044% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8401% | 1,864 |
| Assets per employee ($millions) | 4.5834% | 3,076 |
| Cash dividends to net income (ytd only)* | 49.0506% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 4,201 |
| Loan loss allowance to noncurrent loans | 6,642.8571% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 4,714 |
| Noncurrent loans to loans | 0.0129% | 4,619 |
| Net loans and leases to total assets | 74.3975% | 1,732 |
| Net loans and leases to deposits | 86.7438% | 2,099 |
| Net loans and leases to core deposits | 103.2127% | 1,393 |
| Total domestic deposits to total assets | 85.7669% | 2,096 |
| Equity capital to assets | 13.7967% | 1,234 |
| Core capital (leverage) ratio | 13.0869% | 1,310 |
| Tier 1 risk-based capital ratio | 15.6062% | 2,601 |
| Total risk-based capital ratio | 16.3827% | 2,724 |
| Memoranda: | ||
| Average total assets | $284,770,250 | 2,267 |
| Average earning assets | $263,189,500 | 2,268 |
| Average equity | $38,370,000 | 2,012 |
| Average total loans | $210,699,000 | 2,096 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1905% | 996 |
| Cost of funding earning assets | 1.2327% | 907 |
| Net interest margin | 3.9578% | 2,068 |
| Noninterest income to average assets | 0.7762% | 1,424 |
| Noninterest expense to average assets | 3.1456% | 1,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2024% | 2,143 |
| Return on assets (ROA) | 1.2024% | 2,203 |
| Pretax return on assets | 1.2870% | 2,607 |
| Return on Equity (ROE) | 8.9968% | 2,854 |
| Retained earnings to average equity (ytd only) | 2.5871% | 3,898 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9647% | 2,075 |
| Assets per employee ($millions) | 4.5111% | 3,125 |
| Cash dividends to net income (ytd only)* | 71.2441% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 4,216 |
| Loan loss allowance to noncurrent loans | 3,860.4167% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 4,707 |
| Noncurrent loans to loans | 0.0224% | 4,611 |
| Net loans and leases to total assets | 74.6848% | 1,770 |
| Net loans and leases to deposits | 87.0008% | 2,127 |
| Net loans and leases to core deposits | 103.6432% | 1,419 |
| Total domestic deposits to total assets | 85.8438% | 2,116 |
| Equity capital to assets | 13.5408% | 1,301 |
| Core capital (leverage) ratio | 12.7988% | 1,402 |
| Tier 1 risk-based capital ratio | 15.4716% | 2,634 |
| Total risk-based capital ratio | 16.2654% | 2,755 |
| Memoranda: | ||
| Average total assets | $283,441,330 | 2,274 |
| Average earning assets | $261,862,670 | 2,288 |
| Average equity | $37,880,330 | 2,025 |
| Average total loans | $208,702,670 | 2,121 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 1,069 |
| Cost of funding earning assets | 1.1800% | 953 |
| Net interest margin | 3.9349% | 2,077 |
| Noninterest income to average assets | 0.7786% | 1,337 |
| Noninterest expense to average assets | 3.0552% | 1,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2732% | 1,802 |
| Return on assets (ROA) | 1.2732% | 1,851 |
| Pretax return on assets | 1.3566% | 2,245 |
| Return on Equity (ROE) | 9.5905% | 2,555 |
| Retained earnings to average equity (ytd only) | 3.2784% | 3,611 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2505% | 2,465 |
| Assets per employee ($millions) | 4.6470% | 2,983 |
| Cash dividends to net income (ytd only)* | 65.8158% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,175 |
| Loan loss allowance to noncurrent loans | 2,014.1304% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,673 |
| Noncurrent loans to loans | 0.0445% | 4,562 |
| Net loans and leases to total assets | 72.3042% | 2,103 |
| Net loans and leases to deposits | 83.8599% | 2,402 |
| Net loans and leases to core deposits | 99.4763% | 1,666 |
| Total domestic deposits to total assets | 86.2202% | 2,174 |
| Equity capital to assets | 13.4563% | 1,226 |
| Core capital (leverage) ratio | 12.8568% | 1,339 |
| Tier 1 risk-based capital ratio | 16.2537% | 2,353 |
| Total risk-based capital ratio | 17.0917% | 2,447 |
| Memoranda: | ||
| Average total assets | $283,061,500 | 2,294 |
| Average earning assets | $261,351,000 | 2,305 |
| Average equity | $37,579,000 | 2,033 |
| Average total loans | $206,000,000 | 2,167 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 1,069 |
| Cost of funding earning assets | 0.8906% | 1,132 |
| Net interest margin | 4.0977% | 1,683 |
| Noninterest income to average assets | 0.6201% | 2,191 |
| Noninterest expense to average assets | 3.1108% | 1,773 |
| Loan and lease loss provision to assets | 0.0775% | 2,577 |
| Net operating income to assets | 1.2005% | 2,169 |
| Return on assets (ROA) | 1.2216% | 2,073 |
| Pretax return on assets | 1.2880% | 2,546 |
| Return on Equity (ROE) | 10.2601% | 2,414 |
| Retained earnings to average equity (ytd only) | 7.3104% | 1,533 |
| Net charge-offs to loans | -0.0005% | 4,160 |
| Credit loss provision to net charge-offs | -20,900.0000% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8418% | 2,213 |
| Assets per employee ($millions) | 4.5590% | 3,074 |
| Cash dividends to net income (ytd only)* | 28.7492% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 4,144 |
| Loan loss allowance to noncurrent loans | 2,014.1304% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 4,523 |
| Noncurrent loans to loans | 0.0448% | 4,545 |
| Net loans and leases to total assets | 71.9375% | 2,268 |
| Net loans and leases to deposits | 83.1257% | 2,608 |
| Net loans and leases to core deposits | 96.5669% | 2,008 |
| Total domestic deposits to total assets | 86.5406% | 1,995 |
| Equity capital to assets | 13.0950% | 1,298 |
| Core capital (leverage) ratio | 12.6338% | 1,398 |
| Tier 1 risk-based capital ratio | 15.9622% | 2,416 |
| Total risk-based capital ratio | 16.8106% | 2,517 |
| Memoranda: | ||
| Average total assets | $269,640,000 | 2,338 |
| Average earning assets | $252,289,000 | 2,323 |
| Average equity | $32,105,000 | 2,207 |
| Average total loans | $205,594,600 | 2,132 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9595% | 1,021 |
| Cost of funding earning assets | 0.8340% | 1,176 |
| Net interest margin | 4.1256% | 1,557 |
| Noninterest income to average assets | 0.6887% | 1,906 |
| Noninterest expense to average assets | 3.0732% | 1,833 |
| Loan and lease loss provision to assets | 0.1046% | 1,920 |
| Net operating income to assets | 1.3092% | 1,819 |
| Return on assets (ROA) | 1.2983% | 1,869 |
| Pretax return on assets | 1.3744% | 2,328 |
| Return on Equity (ROE) | 11.2009% | 2,090 |
| Retained earnings to average equity (ytd only) | 7.1118% | 2,070 |
| Net charge-offs to loans | -0.0006% | 3,999 |
| Credit loss provision to net charge-offs | -20,900.0000% | 4,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3393% | 2,652 |
| Assets per employee ($millions) | 4.3721% | 3,323 |
| Cash dividends to net income (ytd only)* | 36.5075% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,342 |
| Loan loss allowance to noncurrent loans | 1,654.4643% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 4,768 |
| Noncurrent loans to loans | 0.0531% | 4,656 |
| Net loans and leases to total assets | 77.0719% | 1,490 |
| Net loans and leases to deposits | 88.5814% | 2,079 |
| Net loans and leases to core deposits | 103.3827% | 1,501 |
| Total domestic deposits to total assets | 87.0068% | 1,726 |
| Equity capital to assets | 12.6892% | 1,475 |
| Core capital (leverage) ratio | 12.2660% | 1,642 |
| Tier 1 risk-based capital ratio | 14.8449% | 2,950 |
| Total risk-based capital ratio | 15.6936% | 3,071 |
| Memoranda: | ||
| Average total assets | $266,385,500 | 2,371 |
| Average earning assets | $250,206,500 | 2,349 |
| Average equity | $30,877,750 | 2,288 |
| Average total loans | $205,695,750 | 2,144 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8171% | 1,206 |
| Cost of funding earning assets | 0.7884% | 1,181 |
| Net interest margin | 4.0287% | 1,766 |
| Noninterest income to average assets | 0.6148% | 2,245 |
| Noninterest expense to average assets | 2.9967% | 2,050 |
| Loan and lease loss provision to assets | 0.0612% | 2,679 |
| Net operating income to assets | 1.2898% | 1,813 |
| Return on assets (ROA) | 1.2733% | 1,888 |
| Pretax return on assets | 1.3405% | 2,361 |
| Return on Equity (ROE) | 11.3518% | 1,974 |
| Retained earnings to average equity (ytd only) | 8.3758% | 1,461 |
| Net charge-offs to loans | -0.0010% | 3,888 |
| Credit loss provision to net charge-offs | -8,100.0000% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8639% | 2,672 |
| Assets per employee ($millions) | 4.4554% | 3,194 |
| Cash dividends to net income (ytd only)* | 26.2159% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 4,596 |
| Loan loss allowance to noncurrent loans | 399.3056% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 4,175 |
| Noncurrent loans to loans | 0.2085% | 3,975 |
| Net loans and leases to total assets | 76.8664% | 1,497 |
| Net loans and leases to deposits | 86.9243% | 2,232 |
| Net loans and leases to core deposits | 99.8630% | 1,748 |
| Total domestic deposits to total assets | 88.4291% | 1,172 |
| Equity capital to assets | 11.3285% | 2,334 |
| Core capital (leverage) ratio | 10.6542% | 2,861 |
| Tier 1 risk-based capital ratio | 13.2604% | 3,754 |
| Total risk-based capital ratio | 14.0696% | 3,906 |
| Memoranda: | ||
| Average total assets | $264,823,000 | 2,385 |
| Average earning assets | $249,857,330 | 2,362 |
| Average equity | $29,704,670 | 2,372 |
| Average total loans | $204,003,000 | 2,152 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 1,160 |
| Cost of funding earning assets | 0.7347% | 1,263 |
| Net interest margin | 4.0278% | 1,628 |
| Noninterest income to average assets | 0.4978% | 2,813 |
| Noninterest expense to average assets | 2.9487% | 2,204 |
| Loan and lease loss provision to assets | 0.1229% | 1,535 |
| Net operating income to assets | 1.2009% | 1,999 |
| Return on assets (ROA) | 1.1670% | 2,161 |
| Pretax return on assets | 1.2019% | 2,742 |
| Return on Equity (ROE) | 10.4572% | 2,199 |
| Retained earnings to average equity (ytd only) | 4.4467% | 3,417 |
| Net charge-offs to loans | -0.0138% | 4,385 |
| Credit loss provision to net charge-offs | -1,157.1429% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4396% | 2,762 |
| Assets per employee ($millions) | 4.4708% | 3,207 |
| Cash dividends to net income (ytd only)* | 57.4772% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,682 |
| Loan loss allowance to noncurrent loans | 15,736.3636% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,126 |
| Noncurrent loans to loans | 0.0053% | 4,998 |
| Net loans and leases to total assets | 76.5207% | 1,452 |
| Net loans and leases to deposits | 86.8772% | 2,065 |
| Net loans and leases to core deposits | 99.6945% | 1,712 |
| Total domestic deposits to total assets | 88.0792% | 1,575 |
| Equity capital to assets | 11.0571% | 2,526 |
| Core capital (leverage) ratio | 10.7422% | 2,697 |
| Tier 1 risk-based capital ratio | 13.0276% | 3,932 |
| Total risk-based capital ratio | 13.8432% | 4,087 |
| Memoranda: | ||
| Average total assets | $263,572,000 | 2,418 |
| Average earning assets | $249,365,500 | 2,386 |
| Average equity | $29,415,000 | 2,410 |
| Average total loans | $202,400,500 | 2,178 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 1,869 |
| Cost of funding earning assets | 0.6804% | 1,131 |
| Net interest margin | 3.7725% | 2,530 |
| Noninterest income to average assets | 0.6563% | 2,157 |
| Noninterest expense to average assets | 3.0483% | 2,017 |
| Loan and lease loss provision to assets | 0.0555% | 3,122 |
| Net operating income to assets | 1.1337% | 1,740 |
| Return on assets (ROA) | 1.1377% | 1,757 |
| Pretax return on assets | 1.1377% | 3,029 |
| Return on Equity (ROE) | 10.2827% | 1,775 |
| Retained earnings to average equity (ytd only) | 7.3963% | 953 |
| Net charge-offs to loans | -0.0086% | 4,749 |
| Credit loss provision to net charge-offs | -868.7500% | 5,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7946% | 2,259 |
| Assets per employee ($millions) | 4.5421% | 3,124 |
| Cash dividends to net income (ytd only)* | 28.0702% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 4,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 75.7685% | 1,640 |
| Net loans and leases to deposits | 86.2813% | 2,224 |
| Net loans and leases to core deposits | 98.8501% | 1,799 |
| Total domestic deposits to total assets | 87.8157% | 1,601 |
| Equity capital to assets | 11.2669% | 2,389 |
| Core capital (leverage) ratio | 10.5018% | 2,841 |
| Tier 1 risk-based capital ratio | 12.8372% | 4,010 |
| Total risk-based capital ratio | 13.6190% | 4,195 |
| Memoranda: | ||
| Average total assets | $250,500,000 | 2,489 |
| Average earning assets | $237,796,800 | 2,447 |
| Average equity | $27,716,400 | 2,502 |
| Average total loans | $187,069,000 | 2,267 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 1,951 |
| Cost of funding earning assets | 0.6704% | 1,120 |
| Net interest margin | 3.7330% | 2,646 |
| Noninterest income to average assets | 0.6446% | 2,235 |
| Noninterest expense to average assets | 3.0633% | 1,913 |
| Loan and lease loss provision to assets | 0.0403% | 3,305 |
| Net operating income to assets | 1.0859% | 2,145 |
| Return on assets (ROA) | 1.0912% | 2,183 |
| Pretax return on assets | 1.0912% | 3,333 |
| Return on Equity (ROE) | 9.9097% | 2,173 |
| Retained earnings to average equity (ytd only) | 6.0102% | 2,230 |
| Net charge-offs to loans | -0.0116% | 4,671 |
| Credit loss provision to net charge-offs | -468.7500% | 4,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9276% | 2,054 |
| Assets per employee ($millions) | 4.4497% | 3,240 |
| Cash dividends to net income (ytd only)* | 39.3507% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8307% | 4,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.0380% | 2,091 |
| Net loans and leases to deposits | 82.9720% | 2,663 |
| Net loans and leases to core deposits | 95.4503% | 2,131 |
| Total domestic deposits to total assets | 88.0272% | 1,349 |
| Equity capital to assets | 11.0320% | 2,834 |
| Core capital (leverage) ratio | 10.2703% | 3,231 |
| Tier 1 risk-based capital ratio | 13.3842% | 3,778 |
| Total risk-based capital ratio | 14.1920% | 3,959 |
| Memoranda: | ||
| Average total assets | $248,400,250 | 2,519 |
| Average earning assets | $235,869,250 | 2,473 |
| Average equity | $27,353,000 | 2,543 |
| Average total loans | $184,384,500 | 2,295 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 2,054 |
| Cost of funding earning assets | 0.6582% | 1,101 |
| Net interest margin | 3.6655% | 2,769 |
| Noninterest income to average assets | 0.6175% | 2,378 |
| Noninterest expense to average assets | 3.0501% | 1,976 |
| Loan and lease loss provision to assets | 0.0375% | 3,262 |
| Net operating income to assets | 1.0099% | 2,379 |
| Return on assets (ROA) | 1.0099% | 2,418 |
| Pretax return on assets | 1.0099% | 3,529 |
| Return on Equity (ROE) | 9.1772% | 2,422 |
| Retained earnings to average equity (ytd only) | 6.2120% | 2,010 |
| Net charge-offs to loans | -0.0088% | 4,490 |
| Credit loss provision to net charge-offs | -575.0000% | 4,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1390% | 1,984 |
| Assets per employee ($millions) | 4.5257% | 3,059 |
| Cash dividends to net income (ytd only)* | 32.3102% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,854 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.1521% | 2,177 |
| Net loans and leases to deposits | 82.4559% | 2,657 |
| Net loans and leases to core deposits | 95.3324% | 2,042 |
| Total domestic deposits to total assets | 87.5038% | 1,719 |
| Equity capital to assets | 10.9534% | 2,855 |
| Core capital (leverage) ratio | 10.2667% | 3,180 |
| Tier 1 risk-based capital ratio | 13.3881% | 3,758 |
| Total risk-based capital ratio | 14.1993% | 3,951 |
| Memoranda: | ||
| Average total assets | $245,172,000 | 2,553 |
| Average earning assets | $232,766,330 | 2,500 |
| Average equity | $26,980,000 | 2,565 |
| Average total loans | $182,486,330 | 2,319 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 1,959 |
| Cost of funding earning assets | 0.6415% | 1,121 |
| Net interest margin | 3.6549% | 2,678 |
| Noninterest income to average assets | 0.5509% | 2,659 |
| Noninterest expense to average assets | 3.0418% | 2,045 |
| Loan and lease loss provision to assets | 0.0382% | 3,036 |
| Net operating income to assets | 0.9409% | 2,558 |
| Return on assets (ROA) | 0.9409% | 2,617 |
| Pretax return on assets | 0.9409% | 3,623 |
| Return on Equity (ROE) | 8.5295% | 2,662 |
| Retained earnings to average equity (ytd only) | 2.5122% | 4,137 |
| Net charge-offs to loans | -0.0176% | 4,676 |
| Credit loss provision to net charge-offs | -287.5000% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3611% | 2,008 |
| Assets per employee ($millions) | 4.5929% | 3,017 |
| Cash dividends to net income (ytd only)* | 70.5467% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 4,965 |
| Loan loss allowance to noncurrent loans | 3,997.3684% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 5,286 |
| Noncurrent loans to loans | 0.0209% | 5,140 |
| Net loans and leases to total assets | 73.9890% | 1,747 |
| Net loans and leases to deposits | 84.6833% | 2,198 |
| Net loans and leases to core deposits | 97.3125% | 1,721 |
| Total domestic deposits to total assets | 87.3714% | 2,044 |
| Equity capital to assets | 11.0351% | 2,593 |
| Core capital (leverage) ratio | 10.4123% | 3,002 |
| Tier 1 risk-based capital ratio | 13.3431% | 3,862 |
| Total risk-based capital ratio | 14.1629% | 4,032 |
| Memoranda: | ||
| Average total assets | $241,039,500 | 2,606 |
| Average earning assets | $228,846,500 | 2,563 |
| Average equity | $26,590,000 | 2,599 |
| Average total loans | $181,528,500 | 2,348 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 2,383 |
| Cost of funding earning assets | 0.6550% | 1,026 |
| Net interest margin | 3.5756% | 3,165 |
| Noninterest income to average assets | 0.7211% | 2,071 |
| Noninterest expense to average assets | 3.1328% | 1,943 |
| Loan and lease loss provision to assets | 0.0176% | 4,028 |
| Net operating income to assets | 0.9743% | 2,464 |
| Return on assets (ROA) | 0.9743% | 2,571 |
| Pretax return on assets | 0.9743% | 3,564 |
| Return on Equity (ROE) | 8.7705% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.9789% | 862 |
| Net charge-offs to loans | -0.0801% | 5,520 |
| Credit loss provision to net charge-offs | -29.1971% | 4,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6316% | 2,039 |
| Assets per employee ($millions) | 4.5895% | 2,976 |
| Cash dividends to net income (ytd only)* | 9.0253% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 5,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 75.3988% | 1,618 |
| Net loans and leases to deposits | 86.3666% | 2,122 |
| Net loans and leases to core deposits | 98.5773% | 1,735 |
| Total domestic deposits to total assets | 87.3009% | 1,979 |
| Equity capital to assets | 11.0276% | 2,612 |
| Core capital (leverage) ratio | 10.2008% | 3,223 |
| Tier 1 risk-based capital ratio | 13.1400% | 3,977 |
| Total risk-based capital ratio | 13.9467% | 4,159 |
| Memoranda: | ||
| Average total assets | $227,433,800 | 2,687 |
| Average earning assets | $216,493,000 | 2,633 |
| Average equity | $25,266,600 | 2,692 |
| Average total loans | $170,933,600 | 2,405 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 2,454 |
| Cost of funding earning assets | 0.6543% | 1,039 |
| Net interest margin | 3.5626% | 3,222 |
| Noninterest income to average assets | 0.7324% | 2,033 |
| Noninterest expense to average assets | 3.1548% | 1,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9711% | 2,566 |
| Return on assets (ROA) | 0.9711% | 2,701 |
| Pretax return on assets | 0.9711% | 3,735 |
| Return on Equity (ROE) | 8.7238% | 2,646 |
| Retained earnings to average equity (ytd only) | 7.6573% | 1,334 |
| Net charge-offs to loans | -0.1061% | 5,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1473% | 1,958 |
| Assets per employee ($millions) | 4.5675% | 2,977 |
| Cash dividends to net income (ytd only)* | 12.2249% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 5,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.5592% | 1,942 |
| Net loans and leases to deposits | 84.2040% | 2,460 |
| Net loans and leases to core deposits | 95.8391% | 2,008 |
| Total domestic deposits to total assets | 87.3583% | 1,730 |
| Equity capital to assets | 10.9508% | 3,063 |
| Core capital (leverage) ratio | 10.3110% | 3,216 |
| Tier 1 risk-based capital ratio | 13.0012% | 4,160 |
| Total risk-based capital ratio | 13.7954% | 4,350 |
| Memoranda: | ||
| Average total assets | $224,628,500 | 2,723 |
| Average earning assets | $213,957,750 | 2,666 |
| Average equity | $25,003,750 | 2,735 |
| Average total loans | $168,309,250 | 2,435 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 2,494 |
| Cost of funding earning assets | 0.6568% | 1,018 |
| Net interest margin | 3.5498% | 3,296 |
| Noninterest income to average assets | 0.6799% | 2,235 |
| Noninterest expense to average assets | 3.1479% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9168% | 2,784 |
| Return on assets (ROA) | 0.9168% | 2,915 |
| Pretax return on assets | 0.9168% | 3,891 |
| Return on Equity (ROE) | 8.1885% | 2,888 |
| Retained earnings to average equity (ytd only) | 6.5670% | 1,835 |
| Net charge-offs to loans | -0.1581% | 5,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1103% | 1,915 |
| Assets per employee ($millions) | 4.3684% | 3,272 |
| Cash dividends to net income (ytd only)* | 19.8020% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8539% | 5,119 |
| Loan loss allowance to noncurrent loans | 2,288.8889% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 5,481 |
| Noncurrent loans to loans | 0.0373% | 5,316 |
| Net loans and leases to total assets | 73.7088% | 1,896 |
| Net loans and leases to deposits | 84.7102% | 2,382 |
| Net loans and leases to core deposits | 97.1223% | 1,878 |
| Total domestic deposits to total assets | 87.0129% | 1,910 |
| Equity capital to assets | 11.1219% | 2,925 |
| Core capital (leverage) ratio | 10.3251% | 3,162 |
| Tier 1 risk-based capital ratio | 13.1139% | 4,126 |
| Total risk-based capital ratio | 13.9408% | 4,300 |
| Memoranda: | ||
| Average total assets | $220,335,330 | 2,771 |
| Average earning assets | $210,095,000 | 2,709 |
| Average equity | $24,668,670 | 2,772 |
| Average total loans | $165,694,330 | 2,467 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 2,414 |
| Cost of funding earning assets | 0.6536% | 1,034 |
| Net interest margin | 3.5619% | 3,233 |
| Noninterest income to average assets | 0.4979% | 3,130 |
| Noninterest expense to average assets | 3.0425% | 2,264 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8519% | 2,987 |
| Return on assets (ROA) | 0.8519% | 3,113 |
| Pretax return on assets | 0.8519% | 4,027 |
| Return on Equity (ROE) | 7.5828% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.5828% | 1,629 |
| Net charge-offs to loans | -0.2901% | 5,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7462% | 1,930 |
| Assets per employee ($millions) | 4.3448% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 5,160 |
| Loan loss allowance to noncurrent loans | 1,474.2268% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 5,445 |
| Noncurrent loans to loans | 0.0588% | 5,245 |
| Net loans and leases to total assets | 75.2153% | 1,514 |
| Net loans and leases to deposits | 86.6625% | 1,992 |
| Net loans and leases to core deposits | 99.1264% | 1,553 |
| Total domestic deposits to total assets | 86.7910% | 2,302 |
| Equity capital to assets | 11.3543% | 2,576 |
| Core capital (leverage) ratio | 10.4307% | 3,039 |
| Tier 1 risk-based capital ratio | 13.5602% | 3,941 |
| Total risk-based capital ratio | 14.4219% | 4,078 |
| Memoranda: | ||
| Average total assets | $216,925,000 | 2,811 |
| Average earning assets | $206,856,500 | 2,753 |
| Average equity | $24,371,000 | 2,799 |
| Average total loans | $164,103,500 | 2,476 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 3,309 |
| Cost of funding earning assets | 0.6492% | 1,079 |
| Net interest margin | 3.3502% | 4,108 |
| Noninterest income to average assets | 0.6001% | 2,714 |
| Noninterest expense to average assets | 3.0944% | 2,256 |
| Loan and lease loss provision to assets | 0.0818% | 2,658 |
| Net operating income to assets | 0.6064% | 4,241 |
| Return on assets (ROA) | 0.6089% | 4,325 |
| Pretax return on assets | 0.6089% | 4,810 |
| Return on Equity (ROE) | 5.3134% | 4,367 |
| Retained earnings to average equity (ytd only) | 5.3134% | 2,202 |
| Net charge-offs to loans | 0.0495% | 3,212 |
| Credit loss provision to net charge-offs | 231.9444% | 1,231 |
| Earnings coverage of net charge-offs (x) | 19.5139% | 1,942 |
| Efficiency ratio | 81.4167% | 1,486 |
| Assets per employee ($millions) | 4.5127% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8024% | 5,405 |
| Loan loss allowance to noncurrent loans | 4,229.0323% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 5,643 |
| Noncurrent loans to loans | 0.0190% | 5,442 |
| Net loans and leases to total assets | 74.8203% | 1,599 |
| Net loans and leases to deposits | 86.0084% | 2,132 |
| Net loans and leases to core deposits | 97.8341% | 1,687 |
| Total domestic deposits to total assets | 86.9919% | 2,144 |
| Equity capital to assets | 11.1149% | 2,715 |
| Core capital (leverage) ratio | 10.3586% | 3,096 |
| Tier 1 risk-based capital ratio | 13.1759% | 4,183 |
| Total risk-based capital ratio | 13.9599% | 4,406 |
| Memoranda: | ||
| Average total assets | $204,140,200 | 2,903 |
| Average earning assets | $193,929,400 | 2,848 |
| Average equity | $23,393,800 | 2,846 |
| Average total loans | $145,331,200 | 2,664 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 3,555 |
| Cost of funding earning assets | 0.6507% | 1,089 |
| Net interest margin | 3.2959% | 4,362 |
| Noninterest income to average assets | 0.5930% | 2,785 |
| Noninterest expense to average assets | 3.0974% | 2,228 |
| Loan and lease loss provision to assets | 0.0385% | 3,438 |
| Net operating income to assets | 0.5850% | 4,454 |
| Return on assets (ROA) | 0.5857% | 4,546 |
| Pretax return on assets | 0.5857% | 5,012 |
| Return on Equity (ROE) | 5.0695% | 4,595 |
| Retained earnings to average equity (ytd only) | 5.0695% | 2,862 |
| Net charge-offs to loans | 0.0899% | 2,266 |
| Credit loss provision to net charge-offs | 61.0526% | 2,898 |
| Earnings coverage of net charge-offs (x) | 9.8950% | 2,649 |
| Efficiency ratio | 82.8520% | 1,287 |
| Assets per employee ($millions) | 4.3756% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 5,602 |
| Loan loss allowance to noncurrent loans | 607.7320% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 5,381 |
| Noncurrent loans to loans | 0.1256% | 5,125 |
| Net loans and leases to total assets | 72.9555% | 1,913 |
| Net loans and leases to deposits | 84.1241% | 2,397 |
| Net loans and leases to core deposits | 94.4947% | 2,033 |
| Total domestic deposits to total assets | 86.7237% | 2,173 |
| Equity capital to assets | 11.2985% | 2,701 |
| Core capital (leverage) ratio | 10.5156% | 3,029 |
| Tier 1 risk-based capital ratio | 13.5696% | 4,102 |
| Total risk-based capital ratio | 14.3081% | 4,315 |
| Memoranda: | ||
| Average total assets | $201,022,500 | 2,958 |
| Average earning assets | $190,775,500 | 2,906 |
| Average equity | $23,223,250 | 2,882 |
| Average total loans | $140,819,000 | 2,733 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8560% | 3,841 |
| Cost of funding earning assets | 0.6498% | 1,107 |
| Net interest margin | 3.2062% | 4,645 |
| Noninterest income to average assets | 0.5545% | 3,014 |
| Noninterest expense to average assets | 3.0815% | 2,298 |
| Loan and lease loss provision to assets | 0.0202% | 3,731 |
| Net operating income to assets | 0.4929% | 4,803 |
| Return on assets (ROA) | 0.4939% | 4,902 |
| Pretax return on assets | 0.4939% | 5,243 |
| Return on Equity (ROE) | 4.2422% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.2422% | 3,332 |
| Net charge-offs to loans | 0.1511% | 1,579 |
| Credit loss provision to net charge-offs | 19.4175% | 3,022 |
| Earnings coverage of net charge-offs (x) | 4.9320% | 2,978 |
| Efficiency ratio | 85.3049% | 1,118 |
| Assets per employee ($millions) | 4.3286% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 5,588 |
| Loan loss allowance to noncurrent loans | 11,330.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 5,156 |
| Noncurrent loans to loans | 0.0071% | 5,741 |
| Net loans and leases to total assets | 68.5789% | 2,558 |
| Net loans and leases to deposits | 79.2065% | 2,883 |
| Net loans and leases to core deposits | 87.2479% | 2,636 |
| Total domestic deposits to total assets | 86.5825% | 2,384 |
| Equity capital to assets | 11.3904% | 2,505 |
| Core capital (leverage) ratio | 10.6591% | 2,778 |
| Tier 1 risk-based capital ratio | 14.6943% | 3,533 |
| Total risk-based capital ratio | 15.4766% | 3,729 |
| Memoranda: | ||
| Average total assets | $198,020,670 | 3,012 |
| Average earning assets | $187,761,000 | 2,952 |
| Average equity | $23,054,330 | 2,909 |
| Average total loans | $136,290,000 | 2,806 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 3,889 |
| Cost of funding earning assets | 0.6658% | 1,016 |
| Net interest margin | 3.1648% | 4,734 |
| Noninterest income to average assets | 0.5489% | 2,951 |
| Noninterest expense to average assets | 3.0946% | 2,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4526% | 4,862 |
| Return on assets (ROA) | 0.4526% | 4,977 |
| Pretax return on assets | 0.4526% | 5,310 |
| Return on Equity (ROE) | 3.8443% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.8443% | 3,694 |
| Net charge-offs to loans | 0.3430% | 713 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.9217% | 2,848 |
| Efficiency ratio | 86.8360% | 1,107 |
| Assets per employee ($millions) | 4.2223% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 5,656 |
| Loan loss allowance to noncurrent loans | 10,009.0909% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 5,222 |
| Noncurrent loans to loans | 0.0082% | 5,778 |
| Net loans and leases to total assets | 67.4476% | 2,538 |
| Net loans and leases to deposits | 78.2063% | 2,775 |
| Net loans and leases to core deposits | 86.0371% | 2,548 |
| Total domestic deposits to total assets | 86.2431% | 2,801 |
| Equity capital to assets | 11.6959% | 2,295 |
| Core capital (leverage) ratio | 10.9380% | 2,477 |
| Tier 1 risk-based capital ratio | 15.0837% | 3,392 |
| Total risk-based capital ratio | 15.8750% | 3,571 |
| Memoranda: | ||
| Average total assets | $195,309,500 | 3,055 |
| Average earning assets | $185,035,500 | 2,996 |
| Average equity | $22,995,000 | 2,930 |
| Average total loans | $134,109,000 | 2,845 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 4,086 |
| Cost of funding earning assets | 0.6839% | 1,187 |
| Net interest margin | 3.2282% | 4,837 |
| Noninterest income to average assets | 0.6042% | 2,832 |
| Noninterest expense to average assets | 3.4101% | 1,679 |
| Loan and lease loss provision to assets | 0.0345% | 3,905 |
| Net operating income to assets | 0.2007% | 5,762 |
| Return on assets (ROA) | 0.2857% | 5,621 |
| Pretax return on assets | 0.2857% | 5,728 |
| Return on Equity (ROE) | 2.3689% | 5,670 |
| Retained earnings to average equity (ytd only) | 2.3689% | 4,543 |
| Net charge-offs to loans | -0.0981% | 6,106 |
| Credit loss provision to net charge-offs | -52.9915% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0924% | 644 |
| Assets per employee ($millions) | 4.0888% | 3,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 5,434 |
| Loan loss allowance to noncurrent loans | 156.4994% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 3,827 |
| Noncurrent loans to loans | 0.5830% | 3,921 |
| Net loans and leases to total assets | 68.7162% | 2,455 |
| Net loans and leases to deposits | 79.9334% | 2,724 |
| Net loans and leases to core deposits | 88.2348% | 2,468 |
| Total domestic deposits to total assets | 85.9668% | 2,859 |
| Equity capital to assets | 11.8539% | 2,128 |
| Core capital (leverage) ratio | 10.9542% | 2,447 |
| Tier 1 risk-based capital ratio | 15.3633% | 3,285 |
| Total risk-based capital ratio | 16.2643% | 3,417 |
| Memoranda: | ||
| Average total assets | $179,908,800 | 3,207 |
| Average earning assets | $169,475,800 | 3,164 |
| Average equity | $21,698,200 | 2,982 |
| Average total loans | $119,238,800 | 3,061 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8045% | 4,527 |
| Cost of funding earning assets | 0.6772% | 1,278 |
| Net interest margin | 3.1273% | 5,177 |
| Noninterest income to average assets | 0.4064% | 4,202 |
| Noninterest expense to average assets | 3.5021% | 1,453 |
| Loan and lease loss provision to assets | 0.0467% | 3,449 |
| Net operating income to assets | -0.2006% | 6,266 |
| Return on assets (ROA) | -0.0852% | 6,213 |
| Pretax return on assets | -0.0852% | 6,193 |
| Return on Equity (ROE) | -0.7031% | 6,206 |
| Retained earnings to average equity (ytd only) | -0.7031% | 5,909 |
| Net charge-offs to loans | -0.1313% | 6,207 |
| Credit loss provision to net charge-offs | -54.3860% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0982% | 293 |
| Assets per employee ($millions) | 3.8325% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 5,461 |
| Loan loss allowance to noncurrent loans | 138.1549% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 3,915 |
| Noncurrent loans to loans | 0.6817% | 3,902 |
| Net loans and leases to total assets | 66.5773% | 2,762 |
| Net loans and leases to deposits | 77.1274% | 3,058 |
| Net loans and leases to core deposits | 88.1886% | 2,405 |
| Total domestic deposits to total assets | 86.3211% | 2,689 |
| Equity capital to assets | 11.4359% | 2,544 |
| Core capital (leverage) ratio | 10.7923% | 2,702 |
| Tier 1 risk-based capital ratio | 15.2213% | 3,460 |
| Total risk-based capital ratio | 16.1400% | 3,589 |
| Memoranda: | ||
| Average total assets | $176,842,750 | 3,273 |
| Average earning assets | $166,361,250 | 3,230 |
| Average equity | $21,427,750 | 3,010 |
| Average total loans | $115,731,000 | 3,136 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 4,698 |
| Cost of funding earning assets | 0.6557% | 1,467 |
| Net interest margin | 3.0936% | 5,271 |
| Noninterest income to average assets | 0.3409% | 4,696 |
| Noninterest expense to average assets | 3.5773% | 1,335 |
| Loan and lease loss provision to assets | 0.0721% | 2,828 |
| Net operating income to assets | -0.4048% | 6,413 |
| Return on assets (ROA) | -0.2269% | 6,342 |
| Pretax return on assets | -0.2269% | 6,325 |
| Return on Equity (ROE) | -1.8339% | 6,320 |
| Retained earnings to average equity (ytd only) | -1.8339% | 5,971 |
| Net charge-offs to loans | -0.1957% | 6,336 |
| Credit loss provision to net charge-offs | -56.8807% | 5,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7167% | 233 |
| Assets per employee ($millions) | 3.7160% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 5,400 |
| Loan loss allowance to noncurrent loans | 116.3776% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7727% | 3,659 |
| Noncurrent loans to loans | 0.8498% | 3,578 |
| Net loans and leases to total assets | 66.4192% | 2,691 |
| Net loans and leases to deposits | 77.3947% | 2,880 |
| Net loans and leases to core deposits | 88.2671% | 2,286 |
| Total domestic deposits to total assets | 85.8188% | 3,139 |
| Equity capital to assets | 11.8307% | 2,125 |
| Core capital (leverage) ratio | 11.3368% | 2,129 |
| Tier 1 risk-based capital ratio | 15.9932% | 3,091 |
| Total risk-based capital ratio | 16.9600% | 3,181 |
| Memoranda: | ||
| Average total assets | $171,915,670 | 3,354 |
| Average earning assets | $161,364,670 | 3,303 |
| Average equity | $21,265,670 | 3,028 |
| Average total loans | $111,377,670 | 3,212 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 4,988 |
| Cost of funding earning assets | 0.6115% | 1,887 |
| Net interest margin | 3.0448% | 5,400 |
| Noninterest income to average assets | 0.2398% | 5,442 |
| Noninterest expense to average assets | 3.6492% | 1,215 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5563% | 6,494 |
| Return on assets (ROA) | -0.1894% | 6,353 |
| Pretax return on assets | -0.1894% | 6,341 |
| Return on Equity (ROE) | -1.4957% | 6,331 |
| Retained earnings to average equity (ytd only) | -1.4957% | 5,799 |
| Net charge-offs to loans | -0.3887% | 6,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4419% | 198 |
| Assets per employee ($millions) | 3.6160% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 5,290 |
| Loan loss allowance to noncurrent loans | 127.0903% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 3,965 |
| Noncurrent loans to loans | 0.8315% | 3,806 |
| Net loans and leases to total assets | 61.4933% | 3,314 |
| Net loans and leases to deposits | 73.5276% | 3,126 |
| Net loans and leases to core deposits | 84.3138% | 2,482 |
| Total domestic deposits to total assets | 83.6328% | 4,407 |
| Equity capital to assets | 12.3180% | 1,679 |
| Core capital (leverage) ratio | 12.4536% | 1,403 |
| Tier 1 risk-based capital ratio | 17.9596% | 2,314 |
| Total risk-based capital ratio | 18.9785% | 2,369 |
| Memoranda: | ||
| Average total assets | $166,830,500 | 3,448 |
| Average earning assets | $156,333,500 | 3,399 |
| Average equity | $21,127,500 | 3,034 |
| Average total loans | $105,992,500 | 3,344 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6927% | 5,158 |
| Cost of funding earning assets | 0.6170% | 2,511 |
| Net interest margin | 3.0757% | 5,391 |
| Noninterest income to average assets | 0.2767% | 5,375 |
| Noninterest expense to average assets | 4.0864% | 790 |
| Loan and lease loss provision to assets | 0.2352% | 1,535 |
| Net operating income to assets | -1.2102% | 6,638 |
| Return on assets (ROA) | -1.2073% | 6,639 |
| Pretax return on assets | -1.2073% | 6,631 |
| Return on Equity (ROE) | -7.5208% | 6,547 |
| Retained earnings to average equity (ytd only) | -7.5208% | 6,483 |
| Net charge-offs to loans | -0.0785% | 6,429 |
| Credit loss provision to net charge-offs | -547.4576% | 6,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.6342% | 121 |
| Assets per employee ($millions) | 3.6385% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 5,592 |
| Loan loss allowance to noncurrent loans | 114.0814% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8351% | 3,804 |
| Noncurrent loans to loans | 0.8731% | 3,798 |
| Net loans and leases to total assets | 64.3847% | 2,977 |
| Net loans and leases to deposits | 79.7796% | 2,484 |
| Net loans and leases to core deposits | 89.8454% | 2,044 |
| Total domestic deposits to total assets | 80.7032% | 5,266 |
| Equity capital to assets | 13.0392% | 1,260 |
| Core capital (leverage) ratio | 12.8111% | 1,218 |
| Tier 1 risk-based capital ratio | 18.4825% | 2,087 |
| Total risk-based capital ratio | 19.4377% | 2,149 |
| Memoranda: | ||
| Average total assets | $137,332,600 | 3,928 |
| Average earning assets | $126,573,600 | 3,916 |
| Average equity | $22,045,600 | 2,923 |
| Average total loans | $75,133,600 | 4,090 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5564% | 5,566 |
| Cost of funding earning assets | 0.6119% | 2,719 |
| Net interest margin | 2.9445% | 5,708 |
| Noninterest income to average assets | 0.2451% | 5,684 |
| Noninterest expense to average assets | 4.2093% | 680 |
| Loan and lease loss provision to assets | 0.2360% | 1,528 |
| Net operating income to assets | -1.4949% | 6,761 |
| Return on assets (ROA) | -1.4909% | 6,765 |
| Pretax return on assets | -1.4959% | 6,757 |
| Return on Equity (ROE) | -8.7859% | 6,673 |
| Retained earnings to average equity (ytd only) | -8.7859% | 6,611 |
| Net charge-offs to loans | -0.0805% | 6,446 |
| Credit loss provision to net charge-offs | -568.2927% | 6,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.1252% | 92 |
| Assets per employee ($millions) | 3.3898% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 5,725 |
| Loan loss allowance to noncurrent loans | 64.4244% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.2236% | 3,193 |
| Noncurrent loans to loans | 1.5499% | 2,844 |
| Net loans and leases to total assets | 61.7555% | 3,409 |
| Net loans and leases to deposits | 73.0583% | 3,393 |
| Net loans and leases to core deposits | 78.4527% | 3,303 |
| Total domestic deposits to total assets | 84.5291% | 3,961 |
| Equity capital to assets | 14.0797% | 947 |
| Core capital (leverage) ratio | 14.0793% | 856 |
| Tier 1 risk-based capital ratio | 20.2976% | 1,656 |
| Total risk-based capital ratio | 21.2291% | 1,717 |
| Memoranda: | ||
| Average total assets | $131,642,250 | 4,076 |
| Average earning assets | $120,719,750 | 4,087 |
| Average equity | $22,338,250 | 2,922 |
| Average total loans | $67,888,750 | 4,375 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 6,147 |
| Cost of funding earning assets | 0.6057% | 2,888 |
| Net interest margin | 2.6526% | 6,262 |
| Noninterest income to average assets | 0.2130% | 5,918 |
| Noninterest expense to average assets | 4.4020% | 577 |
| Loan and lease loss provision to assets | 0.2607% | 1,422 |
| Net operating income to assets | -2.0222% | 6,850 |
| Return on assets (ROA) | -2.0158% | 6,852 |
| Pretax return on assets | -2.0206% | 6,846 |
| Return on Equity (ROE) | -11.1305% | 6,755 |
| Retained earnings to average equity (ytd only) | -11.1305% | 6,689 |
| Net charge-offs to loans | -0.1378% | 6,575 |
| Credit loss provision to net charge-offs | -400.0000% | 5,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.1037% | 49 |
| Assets per employee ($millions) | 3.3828% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,254 |
| Loan loss allowance to noncurrent loans | 58.2656% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3281% | 3,118 |
| Noncurrent loans to loans | 1.9698% | 2,432 |
| Net loans and leases to total assets | 53.4057% | 4,671 |
| Net loans and leases to deposits | 64.3852% | 4,453 |
| Net loans and leases to core deposits | 70.3519% | 4,229 |
| Total domestic deposits to total assets | 82.9472% | 4,717 |
| Equity capital to assets | 15.6417% | 595 |
| Core capital (leverage) ratio | 15.4558% | 528 |
| Tier 1 risk-based capital ratio | 24.2340% | 973 |
| Total risk-based capital ratio | 25.2549% | 976 |
| Memoranda: | ||
| Average total assets | $125,806,000 | 4,227 |
| Average earning assets | $114,907,330 | 4,234 |
| Average equity | $22,784,330 | 2,888 |
| Average total loans | $59,505,670 | 4,691 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8934% | 6,616 |
| Cost of funding earning assets | 0.5986% | 3,120 |
| Net interest margin | 2.2947% | 6,687 |
| Noninterest income to average assets | 0.1843% | 6,156 |
| Noninterest expense to average assets | 4.6279% | 487 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -2.3558% | 6,938 |
| Return on assets (ROA) | -2.3424% | 6,939 |
| Pretax return on assets | -2.3491% | 6,929 |
| Return on Equity (ROE) | -11.9848% | 6,836 |
| Retained earnings to average equity (ytd only) | -11.9848% | 6,681 |
| Net charge-offs to loans | -0.0386% | 6,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 203.1065% | 36 |
| Assets per employee ($millions) | 3.0673% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 5,188 |
| Loan loss allowance to noncurrent loans | 44.8674% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 1.6564% | 2,790 |
| Noncurrent loans to loans | 2.6701% | 1,920 |
| Net loans and leases to total assets | 43.2831% | 5,730 |
| Net loans and leases to deposits | 54.0171% | 5,435 |
| Net loans and leases to core deposits | 59.3970% | 5,203 |
| Total domestic deposits to total assets | 80.1285% | 5,725 |
| Equity capital to assets | 18.3925% | 306 |
| Core capital (leverage) ratio | 17.5672% | 314 |
| Tier 1 risk-based capital ratio | 34.4142% | 368 |
| Total risk-based capital ratio | 35.5022% | 363 |
| Memoranda: | ||
| Average total assets | $119,362,500 | 4,409 |
| Average earning assets | $108,248,000 | 4,415 |
| Average equity | $23,329,500 | 2,875 |
| Average total loans | $51,793,500 | 4,993 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6678% | 7,013 |
| Cost of funding earning assets | 0.2546% | 6,653 |
| Net interest margin | 1.4132% | 7,002 |
| Noninterest income to average assets | 0.1389% | 6,346 |
| Noninterest expense to average assets | 3.0756% | 2,999 |
| Loan and lease loss provision to assets | 0.8396% | 567 |
| Net operating income to assets | -2.5059% | 6,978 |
| Return on assets (ROA) | -2.5059% | 6,981 |
| Pretax return on assets | -2.5085% | 6,982 |
| Return on Equity (ROE) | -14.4214% | 6,816 |
| Retained earnings to average equity (ytd only) | -14.4214% | 6,764 |
| Net charge-offs to loans | -0.0218% | 6,566 |
| Credit loss provision to net charge-offs | -8,087.5000% | 6,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 217.2509% | 33 |
| Assets per employee ($millions) | 2.9728% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 4,401 |
| Loan loss allowance to noncurrent loans | 60.2022% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.4880% | 3,153 |
| Noncurrent loans to loans | 2.2435% | 2,411 |
| Net loans and leases to total assets | 42.3487% | 5,969 |
| Net loans and leases to deposits | 54.6144% | 5,593 |
| Net loans and leases to core deposits | 60.2473% | 5,342 |
| Total domestic deposits to total assets | 77.5412% | 6,155 |
| Equity capital to assets | 20.8282% | 191 |
| Core capital (leverage) ratio | 21.9053% | 140 |
| Tier 1 risk-based capital ratio | 41.5875% | 208 |
| Total risk-based capital ratio | 42.8351% | 206 |
| Memoranda: | ||
| Average total assets | $77,057,600 | 5,431 |
| Average earning assets | $69,133,000 | 5,462 |
| Average equity | $13,389,800 | 4,276 |
| Average total loans | $36,684,800 | 5,650 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1302% | 7,152 |
| Cost of funding earning assets | 0.1640% | 7,008 |
| Net interest margin | 0.9663% | 7,144 |
| Noninterest income to average assets | 0.1293% | 6,487 |
| Noninterest expense to average assets | 2.2208% | 5,905 |
| Loan and lease loss provision to assets | 1.1653% | 317 |
| Net operating income to assets | -2.3912% | 7,083 |
| Return on assets (ROA) | -2.3912% | 7,085 |
| Pretax return on assets | -2.3912% | 7,071 |
| Return on Equity (ROE) | -14.9973% | 6,932 |
| Retained earnings to average equity (ytd only) | -14.9973% | 6,906 |
| Net charge-offs to loans | -0.0237% | 6,534 |
| Credit loss provision to net charge-offs | -9,916.6667% | 6,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 221.8504% | 32 |
| Assets per employee ($millions) | 2.5383% | 6,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5568% | 3,701 |
| Loan loss allowance to noncurrent loans | 103.9792% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 4,065 |
| Noncurrent loans to loans | 1.4972% | 3,541 |
| Net loans and leases to total assets | 42.7787% | 6,059 |
| Net loans and leases to deposits | 60.2183% | 5,183 |
| Net loans and leases to core deposits | 64.8815% | 5,064 |
| Total domestic deposits to total assets | 71.0393% | 6,792 |
| Equity capital to assets | 26.9076% | 86 |
| Core capital (leverage) ratio | 26.5116% | 81 |
| Tier 1 risk-based capital ratio | 50.9286% | 136 |
| Total risk-based capital ratio | 52.1811% | 134 |
| Memoranda: | ||
| Average total assets | $68,080,250 | 5,743 |
| Average earning assets | $60,989,250 | 5,769 |
| Average equity | $10,855,000 | 4,837 |
| Average total loans | $33,732,250 | 5,841 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 5,066 |
| Cost of funding earning assets | 0.4351% | 6,069 |
| Net interest margin | 3.7306% | 3,681 |
| Noninterest income to average assets | 0.4415% | 4,357 |
| Noninterest expense to average assets | 2.9987% | 3,257 |
| Loan and lease loss provision to assets | 0.0491% | 5,061 |
| Net operating income to assets | 0.7979% | 3,403 |
| Return on assets (ROA) | 1.7724% | 663 |
| Pretax return on assets | 1.7986% | 1,044 |
| Return on Equity (ROE) | 16.6641% | 684 |
| Retained earnings to average equity (ytd only) | 16.6641% | 199 |
| Net charge-offs to loans | 0.6042% | 1,808 |
| Credit loss provision to net charge-offs | 15.4639% | 4,674 |
| Earnings coverage of net charge-offs (x) | 2.7216% | 3,651 |
| Efficiency ratio | 77.6461% | 2,508 |
| Assets per employee ($millions) | 5.1190% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4639% | 1,331 |
| Loan loss allowance to noncurrent loans | 137.6812% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 4,564 |
| Noncurrent loans to loans | 1.7895% | 3,234 |
| Net loans and leases to total assets | 45.2102% | 5,902 |
| Net loans and leases to deposits | 53.0440% | 5,952 |
| Net loans and leases to core deposits | 54.3903% | 6,065 |
| Total domestic deposits to total assets | 85.2315% | 3,752 |
| Equity capital to assets | 10.1612% | 4,108 |
| Core capital (leverage) ratio | 11.7241% | 1,771 |
| Tier 1 risk-based capital ratio | 22.2852% | 1,237 |
| Total risk-based capital ratio | 23.5490% | 1,217 |
| Memoranda: | ||
| Average total assets | $61,160,000 | 6,001 |
| Average earning assets | $56,076,670 | 5,967 |
| Average equity | $6,505,000 | 5,983 |
| Average total loans | $32,107,670 | 5,961 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 5,254 |
| Cost of funding earning assets | 0.4719% | 6,004 |
| Net interest margin | 3.6853% | 3,900 |
| Noninterest income to average assets | 0.4926% | 3,960 |
| Noninterest expense to average assets | 3.2018% | 2,591 |
| Loan and lease loss provision to assets | 0.1026% | 4,054 |
| Net operating income to assets | 0.5268% | 4,704 |
| Return on assets (ROA) | 0.5268% | 4,915 |
| Pretax return on assets | 0.5542% | 5,260 |
| Return on Equity (ROE) | 4.8302% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.8302% | 3,652 |
| Net charge-offs to loans | 1.2218% | 837 |
| Credit loss provision to net charge-offs | 15.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | 0.9600% | 3,849 |
| Efficiency ratio | 82.9787% | 1,805 |
| Assets per employee ($millions) | 4.5090% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3401% | 1,607 |
| Loan loss allowance to noncurrent loans | 135.9066% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 2.3065% | 2,574 |
| Noncurrent loans to loans | 1.7218% | 3,528 |
| Net loans and leases to total assets | 53.8956% | 4,739 |
| Net loans and leases to deposits | 64.3003% | 4,591 |
| Net loans and leases to core deposits | 66.2126% | 4,891 |
| Total domestic deposits to total assets | 83.8187% | 4,579 |
| Equity capital to assets | 10.9286% | 2,997 |
| Core capital (leverage) ratio | 11.0726% | 2,205 |
| Tier 1 risk-based capital ratio | 19.1233% | 1,955 |
| Total risk-based capital ratio | 20.3847% | 1,921 |
| Memoranda: | ||
| Average total assets | $58,466,500 | 6,109 |
| Average earning assets | $53,401,500 | 6,088 |
| Average equity | $6,376,500 | 6,053 |
| Average total loans | $32,738,500 | 5,967 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 4,747 |
| Cost of funding earning assets | 0.5465% | 6,356 |
| Net interest margin | 4.0355% | 2,704 |
| Noninterest income to average assets | 0.6643% | 2,814 |
| Noninterest expense to average assets | 3.4330% | 2,157 |
| Loan and lease loss provision to assets | 0.2907% | 3,338 |
| Net operating income to assets | 0.5914% | 4,046 |
| Return on assets (ROA) | 0.6389% | 3,988 |
| Pretax return on assets | 0.6592% | 4,476 |
| Return on Equity (ROE) | 6.2391% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.2391% | 1,883 |
| Net charge-offs to loans | 0.7580% | 2,262 |
| Credit loss provision to net charge-offs | 64.9057% | 5,034 |
| Earnings coverage of net charge-offs (x) | 2.0113% | 4,273 |
| Efficiency ratio | 79.2122% | 2,413 |
| Assets per employee ($millions) | 3.8877% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5417% | 1,259 |
| Loan loss allowance to noncurrent loans | 82.1463% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 3.0283% | 1,980 |
| Noncurrent loans to loans | 3.0941% | 2,089 |
| Net loans and leases to total assets | 55.3639% | 4,822 |
| Net loans and leases to deposits | 66.5307% | 4,662 |
| Net loans and leases to core deposits | 68.5405% | 4,964 |
| Total domestic deposits to total assets | 83.2156% | 4,661 |
| Equity capital to assets | 10.8838% | 3,099 |
| Core capital (leverage) ratio | 10.7777% | 2,451 |
| Tier 1 risk-based capital ratio | 18.0641% | 2,171 |
| Total risk-based capital ratio | 19.3272% | 2,144 |
| Memoranda: | ||
| Average total assets | $59,161,400 | 6,068 |
| Average earning assets | $53,797,200 | 6,052 |
| Average equity | $6,058,600 | 6,142 |
| Average total loans | $34,961,600 | 5,916 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 4,684 |
| Cost of funding earning assets | 0.5606% | 6,471 |
| Net interest margin | 4.0871% | 2,525 |
| Noninterest income to average assets | 0.6849% | 2,695 |
| Noninterest expense to average assets | 3.4291% | 2,119 |
| Loan and lease loss provision to assets | 0.3413% | 2,838 |
| Net operating income to assets | 0.6067% | 4,057 |
| Return on assets (ROA) | 0.6692% | 3,943 |
| Pretax return on assets | 0.6961% | 4,491 |
| Return on Equity (ROE) | 6.6369% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.6369% | 2,175 |
| Net charge-offs to loans | 0.8131% | 1,938 |
| Credit loss provision to net charge-offs | 70.3704% | 4,476 |
| Earnings coverage of net charge-offs (x) | 2.0047% | 4,145 |
| Efficiency ratio | 77.9082% | 2,559 |
| Assets per employee ($millions) | 3.8851% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5792% | 1,295 |
| Loan loss allowance to noncurrent loans | 80.2026% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 3.1780% | 2,011 |
| Noncurrent loans to loans | 3.2159% | 2,161 |
| Net loans and leases to total assets | 56.4538% | 4,767 |
| Net loans and leases to deposits | 67.3897% | 4,706 |
| Net loans and leases to core deposits | 69.8404% | 4,963 |
| Total domestic deposits to total assets | 83.7721% | 4,335 |
| Equity capital to assets | 10.7917% | 3,374 |
| Core capital (leverage) ratio | 10.7525% | 2,615 |
| Tier 1 risk-based capital ratio | 17.4024% | 2,483 |
| Total risk-based capital ratio | 18.6681% | 2,448 |
| Memoranda: | ||
| Average total assets | $59,372,750 | 6,112 |
| Average earning assets | $53,989,750 | 6,097 |
| Average equity | $5,986,500 | 6,207 |
| Average total loans | $35,420,000 | 5,951 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 4,738 |
| Cost of funding earning assets | 0.5757% | 6,557 |
| Net interest margin | 4.0780% | 2,500 |
| Noninterest income to average assets | 0.5993% | 3,151 |
| Noninterest expense to average assets | 3.5187% | 1,936 |
| Loan and lease loss provision to assets | 0.2009% | 3,916 |
| Net operating income to assets | 0.5504% | 4,309 |
| Return on assets (ROA) | 0.6395% | 3,986 |
| Pretax return on assets | 0.6729% | 4,487 |
| Return on Equity (ROE) | 6.4903% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.4903% | 2,148 |
| Net charge-offs to loans | 0.0667% | 4,970 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 19.4167% | 1,219 |
| Efficiency ratio | 81.8536% | 2,121 |
| Assets per employee ($millions) | 3.6103% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7841% | 1,092 |
| Loan loss allowance to noncurrent loans | 78.2643% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 3.6459% | 1,797 |
| Noncurrent loans to loans | 3.5573% | 1,989 |
| Net loans and leases to total assets | 59.4228% | 4,395 |
| Net loans and leases to deposits | 70.7499% | 4,331 |
| Net loans and leases to core deposits | 72.9636% | 4,709 |
| Total domestic deposits to total assets | 83.9900% | 4,356 |
| Equity capital to assets | 10.5741% | 3,414 |
| Core capital (leverage) ratio | 10.6177% | 2,601 |
| Tier 1 risk-based capital ratio | 17.2251% | 2,433 |
| Total risk-based capital ratio | 18.4940% | 2,405 |
| Memoranda: | ||
| Average total assets | $59,738,330 | 6,147 |
| Average earning assets | $54,193,670 | 6,143 |
| Average equity | $5,885,670 | 6,263 |
| Average total loans | $35,970,000 | 5,968 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 5,214 |
| Cost of funding earning assets | 0.5880% | 6,658 |
| Net interest margin | 3.9491% | 2,916 |
| Noninterest income to average assets | 0.6455% | 2,874 |
| Noninterest expense to average assets | 3.4779% | 2,065 |
| Loan and lease loss provision to assets | 0.1976% | 3,652 |
| Net operating income to assets | 0.5280% | 4,367 |
| Return on assets (ROA) | 0.7114% | 3,533 |
| Pretax return on assets | 0.7443% | 4,125 |
| Return on Equity (ROE) | 7.4812% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.4812% | 1,948 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2430% | 2,188 |
| Assets per employee ($millions) | 3.6738% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6684% | 1,239 |
| Loan loss allowance to noncurrent loans | 65.8703% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 4.4488% | 1,458 |
| Noncurrent loans to loans | 4.0510% | 1,787 |
| Net loans and leases to total assets | 59.8826% | 4,290 |
| Net loans and leases to deposits | 70.6056% | 4,254 |
| Net loans and leases to core deposits | 72.7778% | 4,681 |
| Total domestic deposits to total assets | 84.8129% | 4,124 |
| Equity capital to assets | 9.8741% | 3,930 |
| Core capital (leverage) ratio | 10.1287% | 2,998 |
| Tier 1 risk-based capital ratio | 16.5097% | 2,656 |
| Total risk-based capital ratio | 17.7780% | 2,625 |
| Memoranda: | ||
| Average total assets | $60,725,500 | 6,163 |
| Average earning assets | $55,101,000 | 6,157 |
| Average equity | $5,774,500 | 6,313 |
| Average total loans | $36,301,000 | 6,017 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 4,234 |
| Cost of funding earning assets | 1.1692% | 4,738 |
| Net interest margin | 3.9011% | 3,483 |
| Noninterest income to average assets | 0.5370% | 3,907 |
| Noninterest expense to average assets | 4.0577% | 1,078 |
| Loan and lease loss provision to assets | 2.5120% | 441 |
| Net operating income to assets | -2.5403% | 7,189 |
| Return on assets (ROA) | -2.5403% | 7,209 |
| Pretax return on assets | -2.5063% | 7,165 |
| Return on Equity (ROE) | -25.8156% | 7,153 |
| Retained earnings to average equity (ytd only) | -25.8156% | 7,134 |
| Net charge-offs to loans | 4.1529% | 293 |
| Credit loss provision to net charge-offs | 98.7194% | 4,686 |
| Earnings coverage of net charge-offs (x) | 0.0022% | 6,127 |
| Efficiency ratio | 99.8605% | 781 |
| Assets per employee ($millions) | 3.4817% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5660% | 1,325 |
| Loan loss allowance to noncurrent loans | 64.3939% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.5216% | 1,963 |
| Noncurrent loans to loans | 3.9849% | 1,824 |
| Net loans and leases to total assets | 56.6498% | 5,236 |
| Net loans and leases to deposits | 66.0300% | 5,394 |
| Net loans and leases to core deposits | 67.9288% | 5,667 |
| Total domestic deposits to total assets | 85.7941% | 3,454 |
| Equity capital to assets | 9.1669% | 4,889 |
| Core capital (leverage) ratio | 9.0101% | 4,532 |
| Tier 1 risk-based capital ratio | 16.2387% | 2,641 |
| Total risk-based capital ratio | 17.5035% | 2,590 |
| Memoranda: | ||
| Average total assets | $70,582,400 | 5,867 |
| Average earning assets | $63,803,000 | 5,864 |
| Average equity | $6,945,400 | 6,047 |
| Average total loans | $43,247,000 | 5,779 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9626% | 4,980 |
| Cost of funding earning assets | 1.2768% | 4,390 |
| Net interest margin | 3.6858% | 4,481 |
| Noninterest income to average assets | 0.5494% | 3,792 |
| Noninterest expense to average assets | 4.0701% | 963 |
| Loan and lease loss provision to assets | 1.5012% | 886 |
| Net operating income to assets | -1.7291% | 7,168 |
| Return on assets (ROA) | -1.7291% | 7,181 |
| Pretax return on assets | -1.6960% | 7,103 |
| Return on Equity (ROE) | -17.3161% | 7,167 |
| Retained earnings to average equity (ytd only) | -17.3161% | 7,146 |
| Net charge-offs to loans | 2.4412% | 698 |
| Credit loss provision to net charge-offs | 99.2710% | 4,393 |
| Earnings coverage of net charge-offs (x) | -0.1288% | 6,127 |
| Efficiency ratio | 105.0261% | 612 |
| Assets per employee ($millions) | 3.7413% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3469% | 1,554 |
| Loan loss allowance to noncurrent loans | 71.2042% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 2.7812% | 2,603 |
| Noncurrent loans to loans | 3.2959% | 2,400 |
| Net loans and leases to total assets | 58.8219% | 5,130 |
| Net loans and leases to deposits | 68.9665% | 5,279 |
| Net loans and leases to core deposits | 71.9883% | 5,517 |
| Total domestic deposits to total assets | 85.2904% | 3,469 |
| Equity capital to assets | 10.0840% | 4,050 |
| Core capital (leverage) ratio | 9.8081% | 3,477 |
| Tier 1 risk-based capital ratio | 16.4763% | 2,567 |
| Total risk-based capital ratio | 17.7394% | 2,513 |
| Memoranda: | ||
| Average total assets | $72,560,250 | 5,865 |
| Average earning assets | $65,475,000 | 5,879 |
| Average equity | $7,245,500 | 6,029 |
| Average total loans | $44,949,250 | 5,785 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 5,581 |
| Cost of funding earning assets | 1.3600% | 4,123 |
| Net interest margin | 3.4971% | 5,257 |
| Noninterest income to average assets | 0.5437% | 3,760 |
| Noninterest expense to average assets | 4.0754% | 947 |
| Loan and lease loss provision to assets | 1.2302% | 1,140 |
| Net operating income to assets | -1.6447% | 7,201 |
| Return on assets (ROA) | -1.6070% | 7,199 |
| Pretax return on assets | -1.5747% | 7,106 |
| Return on Equity (ROE) | -16.1417% | 7,178 |
| Retained earnings to average equity (ytd only) | -16.1417% | 7,141 |
| Net charge-offs to loans | 1.9263% | 955 |
| Credit loss provision to net charge-offs | 102.2371% | 3,993 |
| Earnings coverage of net charge-offs (x) | -0.3177% | 5,936 |
| Efficiency ratio | 110.3499% | 544 |
| Assets per employee ($millions) | 3.7198% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1855% | 1,792 |
| Loan loss allowance to noncurrent loans | 31.1354% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 5.2973% | 1,186 |
| Noncurrent loans to loans | 7.0193% | 810 |
| Net loans and leases to total assets | 61.2986% | 4,820 |
| Net loans and leases to deposits | 71.6585% | 5,049 |
| Net loans and leases to core deposits | 74.6245% | 5,375 |
| Total domestic deposits to total assets | 85.5427% | 3,349 |
| Equity capital to assets | 10.0528% | 3,949 |
| Core capital (leverage) ratio | 9.8606% | 3,328 |
| Tier 1 risk-based capital ratio | 15.6092% | 2,842 |
| Total risk-based capital ratio | 16.8690% | 2,810 |
| Memoranda: | ||
| Average total assets | $74,299,000 | 5,859 |
| Average earning assets | $66,911,670 | 5,868 |
| Average equity | $7,397,000 | 5,997 |
| Average total loans | $46,410,670 | 5,742 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 5,982 |
| Cost of funding earning assets | 1.4165% | 4,078 |
| Net interest margin | 3.3599% | 5,750 |
| Noninterest income to average assets | 0.7148% | 2,500 |
| Noninterest expense to average assets | 3.4792% | 2,038 |
| Loan and lease loss provision to assets | 1.0721% | 1,153 |
| Net operating income to assets | -0.8514% | 7,037 |
| Return on assets (ROA) | -0.8514% | 7,064 |
| Pretax return on assets | -0.8199% | 6,961 |
| Return on Equity (ROE) | -8.5907% | 7,081 |
| Retained earnings to average equity (ytd only) | -8.5907% | 6,871 |
| Net charge-offs to loans | 1.7611% | 983 |
| Credit loss provision to net charge-offs | 97.6077% | 3,496 |
| Earnings coverage of net charge-offs (x) | 0.2297% | 4,837 |
| Efficiency ratio | 93.2394% | 1,185 |
| Assets per employee ($millions) | 3.9416% | 4,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0560% | 2,047 |
| Loan loss allowance to noncurrent loans | 24.2062% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 8.3883% | 572 |
| Noncurrent loans to loans | 8.4935% | 611 |
| Net loans and leases to total assets | 60.6222% | 5,014 |
| Net loans and leases to deposits | 70.5582% | 5,258 |
| Net loans and leases to core deposits | 73.2873% | 5,579 |
| Total domestic deposits to total assets | 85.9180% | 3,199 |
| Equity capital to assets | 9.9746% | 3,904 |
| Core capital (leverage) ratio | 9.9293% | 3,252 |
| Tier 1 risk-based capital ratio | 14.7812% | 3,216 |
| Total risk-based capital ratio | 16.0245% | 3,181 |
| Memoranda: | ||
| Average total assets | $76,110,000 | 5,878 |
| Average earning assets | $68,335,500 | 5,890 |
| Average equity | $7,543,000 | 5,998 |
| Average total loans | $47,470,000 | 5,783 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3456% | 4,961 |
| Cost of funding earning assets | 2.0334% | 2,804 |
| Net interest margin | 3.3123% | 5,696 |
| Noninterest income to average assets | 0.3590% | 5,525 |
| Noninterest expense to average assets | 3.3125% | 2,972 |
| Loan and lease loss provision to assets | 2.6601% | 721 |
| Net operating income to assets | -2.4872% | 7,266 |
| Return on assets (ROA) | -3.0934% | 7,427 |
| Pretax return on assets | -3.2836% | 7,363 |
| Return on Equity (ROE) | -34.3968% | 7,481 |
| Retained earnings to average equity (ytd only) | -34.4388% | 7,468 |
| Net charge-offs to loans | 3.8995% | 435 |
| Credit loss provision to net charge-offs | 100.3802% | 5,493 |
| Earnings coverage of net charge-offs (x) | 0.0081% | 6,185 |
| Efficiency ratio | 99.3578% | 1,135 |
| Assets per employee ($millions) | 3.6824% | 4,562 |
| Cash dividends to net income (ytd only)* | -0.1221% | 7,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,094 |
| Loan loss allowance to noncurrent loans | 20.2366% | 7,048 |
| Noncurrent assets plus other real estate owned to assets | 8.4792% | 500 |
| Noncurrent loans to loans | 9.7433% | 436 |
| Net loans and leases to total assets | 61.5919% | 5,086 |
| Net loans and leases to deposits | 71.5279% | 5,401 |
| Net loans and leases to core deposits | 81.2532% | 5,981 |
| Total domestic deposits to total assets | 86.1089% | 2,960 |
| Equity capital to assets | 9.8487% | 3,947 |
| Core capital (leverage) ratio | 9.9248% | 3,164 |
| Tier 1 risk-based capital ratio | 15.2790% | 2,810 |
| Total risk-based capital ratio | 16.5361% | 2,766 |
| Memoranda: | ||
| Average total assets | $79,395,400 | 5,744 |
| Average earning assets | $71,310,400 | 5,773 |
| Average equity | $7,140,200 | 6,222 |
| Average total loans | $53,956,200 | 5,504 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4355% | 4,767 |
| Cost of funding earning assets | 2.1645% | 2,579 |
| Net interest margin | 3.2710% | 5,748 |
| Noninterest income to average assets | 0.3153% | 5,959 |
| Noninterest expense to average assets | 3.2285% | 3,201 |
| Loan and lease loss provision to assets | 3.3703% | 404 |
| Net operating income to assets | -2.1139% | 7,363 |
| Return on assets (ROA) | -2.0606% | 7,342 |
| Pretax return on assets | -3.2652% | 7,564 |
| Return on Equity (ROE) | -23.4521% | 7,474 |
| Retained earnings to average equity (ytd only) | -23.5091% | 7,449 |
| Net charge-offs to loans | 4.9524% | 235 |
| Credit loss provision to net charge-offs | 98.3447% | 5,202 |
| Earnings coverage of net charge-offs (x) | 0.0063% | 6,056 |
| Efficiency ratio | 99.3326% | 1,092 |
| Assets per employee ($millions) | 3.5808% | 4,732 |
| Cash dividends to net income (ytd only)* | -0.2429% | 7,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 2,320 |
| Loan loss allowance to noncurrent loans | 24.6104% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 6.7367% | 735 |
| Noncurrent loans to loans | 7.2607% | 725 |
| Net loans and leases to total assets | 63.9095% | 4,888 |
| Net loans and leases to deposits | 72.9356% | 5,519 |
| Net loans and leases to core deposits | 82.9683% | 6,122 |
| Total domestic deposits to total assets | 87.6246% | 1,837 |
| Equity capital to assets | 8.3578% | 6,434 |
| Core capital (leverage) ratio | 8.1566% | 6,090 |
| Tier 1 risk-based capital ratio | 12.3464% | 4,669 |
| Total risk-based capital ratio | 13.6016% | 4,608 |
| Memoranda: | ||
| Average total assets | $79,911,750 | 5,766 |
| Average earning assets | $71,699,750 | 5,797 |
| Average equity | $7,021,250 | 6,311 |
| Average total loans | $55,298,500 | 5,496 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4327% | 4,984 |
| Cost of funding earning assets | 2.2303% | 2,665 |
| Net interest margin | 3.2024% | 5,906 |
| Noninterest income to average assets | 0.2989% | 6,124 |
| Noninterest expense to average assets | 3.3902% | 2,658 |
| Loan and lease loss provision to assets | 4.6482% | 236 |
| Net operating income to assets | -3.0477% | 7,687 |
| Return on assets (ROA) | -3.0365% | 7,682 |
| Pretax return on assets | -4.8499% | 7,843 |
| Return on Equity (ROE) | -34.0170% | 7,769 |
| Retained earnings to average equity (ytd only) | -34.1007% | 7,748 |
| Net charge-offs to loans | 7.2664% | 123 |
| Credit loss provision to net charge-offs | 90.6706% | 4,902 |
| Earnings coverage of net charge-offs (x) | -0.0428% | 5,740 |
| Efficiency ratio | 106.9128% | 943 |
| Assets per employee ($millions) | 3.8055% | 4,084 |
| Cash dividends to net income (ytd only)* | -0.2461% | 7,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 3,630 |
| Loan loss allowance to noncurrent loans | 25.5477% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 5.9037% | 824 |
| Noncurrent loans to loans | 5.5537% | 1,041 |
| Net loans and leases to total assets | 65.9017% | 4,579 |
| Net loans and leases to deposits | 75.0720% | 5,307 |
| Net loans and leases to core deposits | 86.3646% | 5,864 |
| Total domestic deposits to total assets | 87.7847% | 1,884 |
| Equity capital to assets | 8.1761% | 6,525 |
| Core capital (leverage) ratio | 8.6215% | 5,225 |
| Tier 1 risk-based capital ratio | 11.7687% | 5,132 |
| Total risk-based capital ratio | 13.0051% | 5,064 |
| Memoranda: | ||
| Average total assets | $80,290,000 | 5,789 |
| Average earning assets | $72,008,000 | 5,824 |
| Average equity | $7,167,000 | 6,316 |
| Average total loans | $56,644,000 | 5,485 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6712% | 3,935 |
| Cost of funding earning assets | 2.3238% | 2,600 |
| Net interest margin | 3.3474% | 5,334 |
| Noninterest income to average assets | 0.4175% | 5,077 |
| Noninterest expense to average assets | 3.4445% | 2,247 |
| Loan and lease loss provision to assets | 4.8014% | 178 |
| Net operating income to assets | -2.9087% | 7,829 |
| Return on assets (ROA) | -2.8132% | 7,822 |
| Pretax return on assets | -4.6721% | 7,963 |
| Return on Equity (ROE) | -30.2532% | 7,905 |
| Retained earnings to average equity (ytd only) | -30.4136% | 7,860 |
| Net charge-offs to loans | 6.6330% | 132 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -0.0041% | 4,985 |
| Efficiency ratio | 100.5806% | 1,106 |
| Assets per employee ($millions) | 3.6158% | 4,533 |
| Cash dividends to net income (ytd only)* | -0.5300% | 8,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 2,224 |
| Loan loss allowance to noncurrent loans | 26.2721% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 6.6338% | 543 |
| Noncurrent loans to loans | 6.3743% | 715 |
| Net loans and leases to total assets | 70.1196% | 3,643 |
| Net loans and leases to deposits | 80.5377% | 4,529 |
| Net loans and leases to core deposits | 94.4621% | 5,118 |
| Total domestic deposits to total assets | 87.0643% | 2,180 |
| Equity capital to assets | 8.8966% | 5,483 |
| Core capital (leverage) ratio | 9.3824% | 4,127 |
| Tier 1 risk-based capital ratio | 12.9037% | 4,246 |
| Total risk-based capital ratio | 14.1617% | 4,168 |
| Memoranda: | ||
| Average total assets | $80,477,000 | 5,805 |
| Average earning assets | $72,294,500 | 5,833 |
| Average equity | $7,483,500 | 6,225 |
| Average total loans | $58,254,000 | 5,436 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4250% | 3,297 |
| Cost of funding earning assets | 2.8318% | 2,576 |
| Net interest margin | 3.5932% | 4,920 |
| Noninterest income to average assets | 0.3909% | 5,550 |
| Noninterest expense to average assets | 3.1012% | 3,689 |
| Loan and lease loss provision to assets | 0.8742% | 1,704 |
| Net operating income to assets | -0.0097% | 6,386 |
| Return on assets (ROA) | 0.1416% | 5,826 |
| Pretax return on assets | -0.0398% | 6,198 |
| Return on Equity (ROE) | 1.4845% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.4354% | 4,360 |
| Net charge-offs to loans | 0.6401% | 1,925 |
| Credit loss provision to net charge-offs | 189.1139% | 2,616 |
| Earnings coverage of net charge-offs (x) | 1.2937% | 5,481 |
| Efficiency ratio | 83.8342% | 2,073 |
| Assets per employee ($millions) | 3.5394% | 4,569 |
| Cash dividends to net income (ytd only)* | 3.3058% | 4,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 2,291 |
| Loan loss allowance to noncurrent loans | 20.5806% | 7,207 |
| Noncurrent assets plus other real estate owned to assets | 6.7341% | 405 |
| Noncurrent loans to loans | 7.7216% | 363 |
| Net loans and leases to total assets | 72.2665% | 3,525 |
| Net loans and leases to deposits | 83.5974% | 4,483 |
| Net loans and leases to core deposits | 99.2962% | 4,895 |
| Total domestic deposits to total assets | 86.4459% | 2,195 |
| Equity capital to assets | 9.6920% | 4,433 |
| Core capital (leverage) ratio | 10.3174% | 3,159 |
| Tier 1 risk-based capital ratio | 12.8308% | 4,195 |
| Total risk-based capital ratio | 14.0607% | 4,139 |
| Memoranda: | ||
| Average total assets | $85,451,000 | 5,501 |
| Average earning assets | $78,676,800 | 5,472 |
| Average equity | $8,150,800 | 6,024 |
| Average total loans | $61,707,000 | 5,190 |