Home > The Bank of Vernon > Performance and Condition Ratios
The Bank of Vernon, 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 | 5.7632% | 871 |
| Cost of funding earning assets | 1.7831% | 1,276 |
| Net interest margin | 3.9801% | 1,238 |
| Noninterest income to average assets | 2.7000% | 198 |
| Noninterest expense to average assets | 2.6012% | 1,997 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 2.8667% | 178 |
| Return on assets (ROA) | 2.8667% | 177 |
| Pretax return on assets | 3.7136% | 132 |
| Return on Equity (ROE) | 17.3400% | 908 |
| Retained earnings to average equity (ytd only) | 16.8889% | 225 |
| Net charge-offs to loans | 0.5094% | 198 |
| Credit loss provision to net charge-offs | 48.3168% | 2,199 |
| Earnings coverage of net charge-offs (x) | 11.6663% | 2,181 |
| Efficiency ratio | 40.1270% | 4,359 |
| Assets per employee ($millions) | 6.5457% | 2,389 |
| Cash dividends to net income (ytd only)* | 2.6198% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 2,851 |
| Loan loss allowance to noncurrent loans | 233,000.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,862 |
| Noncurrent loans to loans | 0.0005% | 3,808 |
| Net loans and leases to total assets | 64.1300% | 2,447 |
| Net loans and leases to deposits | 77.7182% | 2,296 |
| Net loans and leases to core deposits | 84.8350% | 2,392 |
| Total domestic deposits to total assets | 82.5200% | 3,015 |
| Equity capital to assets | 16.9814% | 388 |
| Core capital (leverage) ratio | 18.6555% | 308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $303,588,400 | 2,414 |
| Average earning assets | $288,312,600 | 2,363 |
| Average equity | $50,180,800 | 1,607 |
| Average total loans | $198,291,000 | 2,292 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5688% | 940 |
| Cost of funding earning assets | 1.6278% | 1,322 |
| Net interest margin | 3.9410% | 1,321 |
| Noninterest income to average assets | 3.3000% | 182 |
| Noninterest expense to average assets | 2.5137% | 2,190 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 3.5507% | 130 |
| Return on assets (ROA) | 3.5507% | 130 |
| Pretax return on assets | 4.3493% | 113 |
| Return on Equity (ROE) | 21.6400% | 589 |
| Retained earnings to average equity (ytd only) | 21.6440% | 208 |
| Net charge-offs to loans | 0.7029% | 133 |
| Credit loss provision to net charge-offs | 35.8325% | 1,951 |
| Earnings coverage of net charge-offs (x) | 9.8199% | 2,152 |
| Efficiency ratio | 35.7521% | 4,449 |
| Assets per employee ($millions) | 6.7690% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,038 |
| 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 | 63.9600% | 2,453 |
| Net loans and leases to deposits | 77.3459% | 2,299 |
| Net loans and leases to core deposits | 83.8680% | 2,332 |
| Total domestic deposits to total assets | 82.6900% | 3,072 |
| Equity capital to assets | 16.7123% | 411 |
| Core capital (leverage) ratio | 19.4697% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $297,663,750 | 2,439 |
| Average earning assets | $282,016,250 | 2,400 |
| Average equity | $48,831,500 | 1,631 |
| Average total loans | $194,808,250 | 2,321 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4300% | 922 |
| Cost of funding earning assets | 1.4633% | 1,310 |
| Net interest margin | 3.9667% | 1,302 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.3752% | 2,572 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.2667% | 1,648 |
| Return on assets (ROA) | 1.2667% | 1,641 |
| Pretax return on assets | 1.7529% | 1,107 |
| Return on Equity (ROE) | 7.7700% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.7745% | 2,045 |
| Net charge-offs to loans | 0.0136% | 1,679 |
| Credit loss provision to net charge-offs | 1,723.0769% | 292 |
| Earnings coverage of net charge-offs (x) | 213.3077% | 571 |
| Efficiency ratio | 55.4681% | 3,481 |
| Assets per employee ($millions) | 6.2476% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 1,126 |
| Loan loss allowance to noncurrent loans | 329.0011% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 1,679 |
| Noncurrent loans to loans | 0.4611% | 1,559 |
| Net loans and leases to total assets | 66.3100% | 2,123 |
| Net loans and leases to deposits | 79.2934% | 2,027 |
| Net loans and leases to core deposits | 85.3938% | 2,118 |
| Total domestic deposits to total assets | 83.6300% | 2,908 |
| Equity capital to assets | 16.0492% | 440 |
| Core capital (leverage) ratio | 18.1595% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $290,837,333 | 2,480 |
| Average earning assets | $274,990,667 | 2,451 |
| Average equity | $47,385,667 | 1,665 |
| Average total loans | $191,189,000 | 2,345 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1362% | 1,040 |
| Cost of funding earning assets | 1.2342% | 1,370 |
| Net interest margin | 3.9019% | 1,484 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3652% | 2,622 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.2741% | 1,739 |
| Return on assets (ROA) | 1.2741% | 1,711 |
| Pretax return on assets | 1.6863% | 1,297 |
| Return on Equity (ROE) | 7.7600% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.7594% | 2,297 |
| Net charge-offs to loans | -0.1550% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.1340% | 3,399 |
| Assets per employee ($millions) | 6.1116% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 1,077 |
| Loan loss allowance to noncurrent loans | 316.9969% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 1,545 |
| Noncurrent loans to loans | 0.4943% | 1,483 |
| Net loans and leases to total assets | 65.1000% | 2,142 |
| Net loans and leases to deposits | 77.9604% | 1,976 |
| Net loans and leases to core deposits | 83.4127% | 2,030 |
| Total domestic deposits to total assets | 83.5000% | 3,197 |
| Equity capital to assets | 16.1499% | 393 |
| Core capital (leverage) ratio | 18.4543% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $286,314,000 | 2,532 |
| Average earning assets | $270,941,500 | 2,500 |
| Average equity | $47,014,000 | 1,688 |
| Average total loans | $185,822,000 | 2,398 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 1,492 |
| Cost of funding earning assets | 0.4630% | 1,630 |
| Net interest margin | 3.6298% | 1,555 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.5393% | 1,996 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0237% | 2,482 |
| Return on assets (ROA) | 1.0237% | 2,425 |
| Pretax return on assets | 1.3381% | 1,966 |
| Return on Equity (ROE) | 6.8300% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.1975% | 2,570 |
| Net charge-offs to loans | 0.5399% | 131 |
| Credit loss provision to net charge-offs | 49.5098% | 1,820 |
| Earnings coverage of net charge-offs (x) | 4.7819% | 2,404 |
| Efficiency ratio | 62.9791% | 2,632 |
| Assets per employee ($millions) | 5.9419% | 2,821 |
| Cash dividends to net income (ytd only)* | 9.3049% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 3,606 |
| Loan loss allowance to noncurrent loans | 175.8873% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 1,353 |
| Noncurrent loans to loans | 0.5393% | 1,368 |
| Net loans and leases to total assets | 63.0000% | 2,332 |
| Net loans and leases to deposits | 75.7759% | 2,116 |
| Net loans and leases to core deposits | 78.5114% | 2,239 |
| Total domestic deposits to total assets | 83.1400% | 3,389 |
| Equity capital to assets | 16.7046% | 348 |
| Core capital (leverage) ratio | 18.6583% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $261,412,200 | 2,663 |
| Average earning assets | $248,359,000 | 2,625 |
| Average equity | $39,160,800 | 1,948 |
| Average total loans | $151,147,800 | 2,623 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 1,711 |
| Cost of funding earning assets | 0.3667% | 1,549 |
| Net interest margin | 3.4483% | 1,813 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.3968% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1177% | 2,011 |
| Return on assets (ROA) | 1.1177% | 1,978 |
| Pretax return on assets | 1.4918% | 1,433 |
| Return on Equity (ROE) | 7.7000% | 3,406 |
| Retained earnings to average equity (ytd only) | 6.8116% | 2,444 |
| Net charge-offs to loans | 0.1125% | 560 |
| Credit loss provision to net charge-offs | 5.7377% | 1,671 |
| Earnings coverage of net charge-offs (x) | 23.6230% | 1,647 |
| Efficiency ratio | 61.5785% | 2,884 |
| Assets per employee ($millions) | 6.0202% | 2,743 |
| Cash dividends to net income (ytd only)* | 11.5599% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,598 |
| Loan loss allowance to noncurrent loans | 148.9106% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 1,151 |
| Noncurrent loans to loans | 0.7973% | 1,010 |
| Net loans and leases to total assets | 58.3000% | 2,662 |
| Net loans and leases to deposits | 69.7643% | 2,384 |
| Net loans and leases to core deposits | 71.7103% | 2,507 |
| Total domestic deposits to total assets | 83.5700% | 3,591 |
| Equity capital to assets | 16.2424% | 358 |
| Core capital (leverage) ratio | 18.1771% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $256,947,500 | 2,707 |
| Average earning assets | $244,712,750 | 2,663 |
| Average equity | $37,288,250 | 2,051 |
| Average total loans | $144,527,500 | 2,692 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 1,943 |
| Cost of funding earning assets | 0.3436% | 1,330 |
| Net interest margin | 3.2228% | 2,123 |
| Noninterest income to average assets | 0.6646% | 1,482 |
| Noninterest expense to average assets | 2.3868% | 2,271 |
| Loan and lease loss provision to assets | 0.0048% | 2,520 |
| Net operating income to assets | 0.9884% | 2,199 |
| Return on assets (ROA) | 0.9884% | 2,170 |
| Pretax return on assets | 1.3485% | 1,587 |
| Return on Equity (ROE) | 7.1341% | 3,279 |
| Retained earnings to average equity (ytd only) | 5.6863% | 2,442 |
| Net charge-offs to loans | -0.1051% | 4,455 |
| Credit loss provision to net charge-offs | -8.3333% | 2,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8165% | 2,791 |
| Assets per employee ($millions) | 6.0388% | 2,705 |
| Cash dividends to net income (ytd only)* | 20.2934% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,527 |
| Loan loss allowance to noncurrent loans | 235.9002% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 1,671 |
| Noncurrent loans to loans | 0.6179% | 1,374 |
| Net loans and leases to total assets | 52.9343% | 3,065 |
| Net loans and leases to deposits | 63.7632% | 2,744 |
| Net loans and leases to core deposits | 65.2703% | 2,877 |
| Total domestic deposits to total assets | 83.0170% | 3,872 |
| Equity capital to assets | 16.8275% | 291 |
| Core capital (leverage) ratio | 19.6068% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,280,000 | 2,786 |
| Average earning assets | $236,935,000 | 2,742 |
| Average equity | $34,398,333 | 2,221 |
| Average total loans | $137,054,000 | 2,771 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5694% | 1,593 |
| Cost of funding earning assets | 0.3573% | 1,148 |
| Net interest margin | 3.2121% | 1,850 |
| Noninterest income to average assets | 0.5156% | 2,066 |
| Noninterest expense to average assets | 2.5179% | 1,842 |
| Loan and lease loss provision to assets | 0.0034% | 2,242 |
| Net operating income to assets | 0.7485% | 2,859 |
| Return on assets (ROA) | 0.7485% | 2,853 |
| Pretax return on assets | 1.0585% | 2,267 |
| Return on Equity (ROE) | 6.1930% | 3,291 |
| Retained earnings to average equity (ytd only) | 2.6643% | 3,373 |
| Net charge-offs to loans | -0.0183% | 3,868 |
| Credit loss provision to net charge-offs | -33.3333% | 2,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3349% | 2,181 |
| Assets per employee ($millions) | 5.2479% | 3,544 |
| Cash dividends to net income (ytd only)* | 56.9794% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 1,313 |
| Loan loss allowance to noncurrent loans | 586.3510% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 2,756 |
| Noncurrent loans to loans | 0.2704% | 2,505 |
| Net loans and leases to total assets | 54.1315% | 2,741 |
| Net loans and leases to deposits | 61.3849% | 2,767 |
| Net loans and leases to core deposits | 62.9607% | 2,895 |
| Total domestic deposits to total assets | 88.1837% | 2,442 |
| Equity capital to assets | 11.4377% | 1,145 |
| Core capital (leverage) ratio | 12.5974% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $233,528,000 | 2,878 |
| Average earning assets | $222,781,500 | 2,848 |
| Average equity | $28,225,500 | 2,586 |
| Average total loans | $130,972,000 | 2,836 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 1,841 |
| Cost of funding earning assets | 0.4615% | 1,119 |
| Net interest margin | 3.3497% | 2,168 |
| Noninterest income to average assets | 1.3589% | 590 |
| Noninterest expense to average assets | 2.5737% | 1,943 |
| Loan and lease loss provision to assets | 0.3474% | 217 |
| Net operating income to assets | 1.2784% | 1,668 |
| Return on assets (ROA) | 1.2759% | 1,731 |
| Pretax return on assets | 1.6260% | 1,350 |
| Return on Equity (ROE) | 9.9841% | 2,527 |
| Retained earnings to average equity (ytd only) | 7.1110% | 1,879 |
| Net charge-offs to loans | 0.1958% | 498 |
| Credit loss provision to net charge-offs | 293.4109% | 1,078 |
| Earnings coverage of net charge-offs (x) | 16.6938% | 1,967 |
| Efficiency ratio | 56.5608% | 3,636 |
| Assets per employee ($millions) | 5.1285% | 3,616 |
| Cash dividends to net income (ytd only)* | 28.7770% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 1,206 |
| Loan loss allowance to noncurrent loans | 512.7139% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 2,669 |
| Noncurrent loans to loans | 0.3167% | 2,455 |
| Net loans and leases to total assets | 56.3108% | 2,565 |
| Net loans and leases to deposits | 64.7511% | 2,618 |
| Net loans and leases to core deposits | 66.5561% | 2,772 |
| Total domestic deposits to total assets | 86.9649% | 2,535 |
| Equity capital to assets | 12.7807% | 968 |
| Core capital (leverage) ratio | 13.0132% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,893,600 | 2,927 |
| Average earning assets | $207,599,400 | 2,900 |
| Average equity | $27,844,200 | 2,661 |
| Average total loans | $131,753,600 | 2,836 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4585% | 2,943 |
| Cost of funding earning assets | 0.4776% | 1,170 |
| Net interest margin | 2.9809% | 3,356 |
| Noninterest income to average assets | 2.0269% | 343 |
| Noninterest expense to average assets | 2.4647% | 2,225 |
| Loan and lease loss provision to assets | 0.4672% | 129 |
| Net operating income to assets | 1.3070% | 1,805 |
| Return on assets (ROA) | 1.3070% | 1,862 |
| Pretax return on assets | 1.9386% | 885 |
| Return on Equity (ROE) | 10.2286% | 2,651 |
| Retained earnings to average equity (ytd only) | 6.3633% | 2,668 |
| Net charge-offs to loans | 0.1289% | 620 |
| Credit loss provision to net charge-offs | 591.4063% | 711 |
| Earnings coverage of net charge-offs (x) | 30.4453% | 1,515 |
| Efficiency ratio | 50.6021% | 4,166 |
| Assets per employee ($millions) | 5.0133% | 3,683 |
| Cash dividends to net income (ytd only)* | 37.7893% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 1,102 |
| Loan loss allowance to noncurrent loans | 347.9688% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 2,225 |
| Noncurrent loans to loans | 0.4898% | 2,084 |
| Net loans and leases to total assets | 58.2298% | 2,459 |
| Net loans and leases to deposits | 67.3008% | 2,510 |
| Net loans and leases to core deposits | 69.1397% | 2,670 |
| Total domestic deposits to total assets | 86.5216% | 2,546 |
| Equity capital to assets | 12.9158% | 1,003 |
| Core capital (leverage) ratio | 12.7140% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,953,750 | 2,969 |
| Average earning assets | $206,019,000 | 2,934 |
| Average equity | $27,595,250 | 2,705 |
| Average total loans | $132,401,000 | 2,862 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4974% | 2,899 |
| Cost of funding earning assets | 0.4917% | 1,252 |
| Net interest margin | 3.0057% | 3,307 |
| Noninterest income to average assets | 0.8638% | 1,368 |
| Noninterest expense to average assets | 2.4122% | 2,422 |
| Loan and lease loss provision to assets | 0.2397% | 419 |
| Net operating income to assets | 0.6968% | 3,772 |
| Return on assets (ROA) | 0.6968% | 3,836 |
| Pretax return on assets | 1.0802% | 3,276 |
| Return on Equity (ROE) | 5.4731% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.5460% | 4,232 |
| Net charge-offs to loans | 0.1715% | 492 |
| Credit loss provision to net charge-offs | 225.4386% | 997 |
| Earnings coverage of net charge-offs (x) | 12.4123% | 1,723 |
| Efficiency ratio | 64.6338% | 2,344 |
| Assets per employee ($millions) | 5.3783% | 3,259 |
| Cash dividends to net income (ytd only)* | 71.7537% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,378 |
| Loan loss allowance to noncurrent loans | 4,048.8372% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,923 |
| Noncurrent loans to loans | 0.0324% | 4,036 |
| Net loans and leases to total assets | 59.3678% | 2,500 |
| Net loans and leases to deposits | 68.2573% | 2,593 |
| Net loans and leases to core deposits | 69.9608% | 2,786 |
| Total domestic deposits to total assets | 86.9766% | 2,333 |
| Equity capital to assets | 12.4081% | 1,178 |
| Core capital (leverage) ratio | 12.4254% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,410,667 | 2,978 |
| Average earning assets | $204,610,000 | 2,947 |
| Average equity | $27,297,000 | 2,718 |
| Average total loans | $132,977,333 | 2,862 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 2,825 |
| Cost of funding earning assets | 0.5156% | 1,300 |
| Net interest margin | 3.0158% | 3,218 |
| Noninterest income to average assets | 0.8119% | 1,552 |
| Noninterest expense to average assets | 2.3732% | 2,587 |
| Loan and lease loss provision to assets | 0.1571% | 815 |
| Net operating income to assets | 0.7494% | 3,578 |
| Return on assets (ROA) | 0.7494% | 3,649 |
| Pretax return on assets | 1.1487% | 2,992 |
| Return on Equity (ROE) | 5.8096% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.6285% | 4,089 |
| Net charge-offs to loans | 0.1923% | 424 |
| Credit loss provision to net charge-offs | 129.6875% | 1,021 |
| Earnings coverage of net charge-offs (x) | 10.7813% | 1,485 |
| Efficiency ratio | 64.5062% | 2,408 |
| Assets per employee ($millions) | 5.5601% | 3,058 |
| Cash dividends to net income (ytd only)* | 71.9697% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,842 |
| Loan loss allowance to noncurrent loans | 893.3702% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,784 |
| Noncurrent loans to loans | 0.1362% | 3,633 |
| Net loans and leases to total assets | 60.5472% | 2,471 |
| Net loans and leases to deposits | 69.6588% | 2,542 |
| Net loans and leases to core deposits | 72.1109% | 2,693 |
| Total domestic deposits to total assets | 86.9196% | 2,342 |
| Equity capital to assets | 12.5095% | 1,079 |
| Core capital (leverage) ratio | 12.6673% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,361,000 | 2,998 |
| Average earning assets | $200,938,500 | 2,962 |
| Average equity | $27,265,000 | 2,714 |
| Average total loans | $133,139,500 | 2,863 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 2,170 |
| Cost of funding earning assets | 0.7561% | 1,418 |
| Net interest margin | 3.4312% | 2,668 |
| Noninterest income to average assets | 0.8420% | 1,411 |
| Noninterest expense to average assets | 2.7238% | 2,164 |
| Loan and lease loss provision to assets | 0.0645% | 3,572 |
| Net operating income to assets | 0.9655% | 2,418 |
| Return on assets (ROA) | 0.9608% | 2,586 |
| Pretax return on assets | 1.3098% | 1,941 |
| Return on Equity (ROE) | 6.7057% | 3,321 |
| Retained earnings to average equity (ytd only) | -0.1201% | 4,536 |
| Net charge-offs to loans | 0.1768% | 946 |
| Credit loss provision to net charge-offs | 53.8117% | 3,125 |
| Earnings coverage of net charge-offs (x) | 11.5112% | 2,399 |
| Efficiency ratio | 66.3697% | 2,473 |
| Assets per employee ($millions) | 5.1470% | 3,234 |
| Cash dividends to net income (ytd only)* | 101.7907% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,960 |
| Loan loss allowance to noncurrent loans | 3,473.9130% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,279 |
| Noncurrent loans to loans | 0.0345% | 4,167 |
| Net loans and leases to total assets | 64.0044% | 2,367 |
| Net loans and leases to deposits | 74.2891% | 2,454 |
| Net loans and leases to core deposits | 76.9232% | 2,642 |
| Total domestic deposits to total assets | 86.1559% | 2,300 |
| Equity capital to assets | 13.3108% | 996 |
| Core capital (leverage) ratio | 13.4806% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,988,000 | 3,053 |
| Average earning assets | $176,820,600 | 3,020 |
| Average equity | $26,649,000 | 2,696 |
| Average total loans | $126,106,000 | 2,907 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3098% | 2,069 |
| Cost of funding earning assets | 0.8150% | 1,419 |
| Net interest margin | 3.4949% | 2,606 |
| Noninterest income to average assets | 1.0864% | 875 |
| Noninterest expense to average assets | 2.6708% | 2,341 |
| Loan and lease loss provision to assets | 0.0735% | 3,405 |
| Net operating income to assets | 1.1967% | 1,645 |
| Return on assets (ROA) | 1.1903% | 1,790 |
| Pretax return on assets | 1.6632% | 1,041 |
| Return on Equity (ROE) | 8.1428% | 2,752 |
| Retained earnings to average equity (ytd only) | 0.2368% | 4,437 |
| Net charge-offs to loans | 0.2414% | 634 |
| Credit loss provision to net charge-offs | 44.4444% | 2,907 |
| Earnings coverage of net charge-offs (x) | 10.5289% | 2,352 |
| Efficiency ratio | 60.4837% | 3,313 |
| Assets per employee ($millions) | 4.8722% | 3,404 |
| Cash dividends to net income (ytd only)* | 97.0916% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 2,833 |
| Loan loss allowance to noncurrent loans | 2,129.7297% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,264 |
| Noncurrent loans to loans | 0.0550% | 4,154 |
| Net loans and leases to total assets | 68.2609% | 2,201 |
| Net loans and leases to deposits | 79.5093% | 2,373 |
| Net loans and leases to core deposits | 82.0364% | 2,658 |
| Total domestic deposits to total assets | 85.8528% | 2,129 |
| Equity capital to assets | 13.7639% | 920 |
| Core capital (leverage) ratio | 13.6061% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,015,500 | 3,080 |
| Average earning assets | $172,439,750 | 3,036 |
| Average equity | $26,460,250 | 2,698 |
| Average total loans | $124,290,250 | 2,940 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,263 |
| Cost of funding earning assets | 0.8963% | 1,394 |
| Net interest margin | 3.4801% | 2,858 |
| Noninterest income to average assets | 1.2642% | 636 |
| Noninterest expense to average assets | 2.6895% | 2,415 |
| Loan and lease loss provision to assets | 0.0351% | 3,828 |
| Net operating income to assets | 1.3637% | 1,191 |
| Return on assets (ROA) | 1.3538% | 1,307 |
| Pretax return on assets | 1.8334% | 766 |
| Return on Equity (ROE) | 9.0664% | 2,334 |
| Retained earnings to average equity (ytd only) | -1.7692% | 4,564 |
| Net charge-offs to loans | 0.4386% | 363 |
| Credit loss provision to net charge-offs | 11.6981% | 2,748 |
| Earnings coverage of net charge-offs (x) | 6.2604% | 2,454 |
| Efficiency ratio | 58.8440% | 3,579 |
| Assets per employee ($millions) | 4.9586% | 3,218 |
| Cash dividends to net income (ytd only)* | 119.5142% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,057 |
| Loan loss allowance to noncurrent loans | 398.6413% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 3,579 |
| Noncurrent loans to loans | 0.2760% | 3,394 |
| Net loans and leases to total assets | 68.1797% | 2,319 |
| Net loans and leases to deposits | 79.7289% | 2,460 |
| Net loans and leases to core deposits | 82.3075% | 2,753 |
| Total domestic deposits to total assets | 85.5145% | 2,198 |
| Equity capital to assets | 13.7290% | 914 |
| Core capital (leverage) ratio | 13.7290% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,392,000 | 3,106 |
| Average earning assets | $167,579,000 | 3,069 |
| Average equity | $26,339,000 | 2,694 |
| Average total loans | $120,851,333 | 2,968 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,698 |
| Cost of funding earning assets | 1.0699% | 1,141 |
| Net interest margin | 3.6343% | 2,556 |
| Noninterest income to average assets | 0.5837% | 2,111 |
| Noninterest expense to average assets | 2.8184% | 2,378 |
| Loan and lease loss provision to assets | -0.0024% | 5,030 |
| Net operating income to assets | 0.8196% | 2,835 |
| Return on assets (ROA) | 0.8196% | 2,927 |
| Pretax return on assets | 1.2150% | 2,136 |
| Return on Equity (ROE) | 5.2452% | 3,558 |
| Retained earnings to average equity (ytd only) | 0.8844% | 3,775 |
| Net charge-offs to loans | 0.1291% | 941 |
| Credit loss provision to net charge-offs | -2.7027% | 3,082 |
| Earnings coverage of net charge-offs (x) | 13.7568% | 1,634 |
| Efficiency ratio | 69.9173% | 2,365 |
| Assets per employee ($millions) | 4.3450% | 3,483 |
| Cash dividends to net income (ytd only)* | 83.1395% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,478 |
| Loan loss allowance to noncurrent loans | 6,652.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,571 |
| Noncurrent loans to loans | 0.0220% | 4,484 |
| Net loans and leases to total assets | 64.4676% | 3,008 |
| Net loans and leases to deposits | 76.4978% | 3,029 |
| Net loans and leases to core deposits | 79.4368% | 3,243 |
| Total domestic deposits to total assets | 84.2738% | 2,682 |
| Equity capital to assets | 15.2452% | 720 |
| Core capital (leverage) ratio | 15.5398% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3823% | 537 |
| Memoranda: | ||
| Average total assets | $167,895,000 | 3,155 |
| Average earning assets | $159,260,000 | 3,115 |
| Average equity | $26,233,500 | 2,694 |
| Average total loans | $114,618,500 | 3,020 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 1,313 |
| Cost of funding earning assets | 1.1122% | 1,278 |
| Net interest margin | 3.9481% | 2,008 |
| Noninterest income to average assets | 0.9949% | 982 |
| Noninterest expense to average assets | 2.8815% | 2,344 |
| Loan and lease loss provision to assets | 0.0216% | 3,595 |
| Net operating income to assets | 1.3824% | 1,402 |
| Return on assets (ROA) | 1.3824% | 1,484 |
| Pretax return on assets | 1.8218% | 885 |
| Return on Equity (ROE) | 8.5309% | 2,931 |
| Retained earnings to average equity (ytd only) | 2.4732% | 3,792 |
| Net charge-offs to loans | 0.0474% | 2,439 |
| Credit loss provision to net charge-offs | 62.9630% | 3,005 |
| Earnings coverage of net charge-offs (x) | 53.8333% | 1,066 |
| Efficiency ratio | 60.9851% | 3,537 |
| Assets per employee ($millions) | 4.3781% | 3,406 |
| Cash dividends to net income (ytd only)* | 71.0092% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 1,297 |
| Loan loss allowance to noncurrent loans | 15,463.6364% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 4,643 |
| Noncurrent loans to loans | 0.0095% | 4,555 |
| Net loans and leases to total assets | 70.2687% | 2,353 |
| Net loans and leases to deposits | 84.1165% | 2,319 |
| Net loans and leases to core deposits | 87.0519% | 2,704 |
| Total domestic deposits to total assets | 83.5374% | 3,011 |
| Equity capital to assets | 16.0324% | 597 |
| Core capital (leverage) ratio | 15.7462% | 556 |
| Tier 1 risk-based capital ratio | 21.9382% | 1,033 |
| Total risk-based capital ratio | 23.1901% | 1,009 |
| Memoranda: | ||
| Average total assets | $157,698,200 | 3,221 |
| Average earning assets | $148,983,000 | 3,186 |
| Average equity | $25,554,200 | 2,675 |
| Average total loans | $113,893,200 | 3,023 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 1,337 |
| Cost of funding earning assets | 1.1020% | 1,344 |
| Net interest margin | 3.9749% | 2,038 |
| Noninterest income to average assets | 0.9185% | 1,105 |
| Noninterest expense to average assets | 2.7854% | 2,603 |
| Loan and lease loss provision to assets | 0.0281% | 3,343 |
| Net operating income to assets | 1.3935% | 1,492 |
| Return on assets (ROA) | 1.3935% | 1,555 |
| Pretax return on assets | 1.8541% | 971 |
| Return on Equity (ROE) | 8.5761% | 3,071 |
| Retained earnings to average equity (ytd only) | 1.9646% | 4,285 |
| Net charge-offs to loans | -0.0059% | 4,242 |
| Credit loss provision to net charge-offs | -660.0000% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6754% | 3,699 |
| Assets per employee ($millions) | 4.5248% | 3,159 |
| Cash dividends to net income (ytd only)* | 77.0921% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 1,114 |
| Loan loss allowance to noncurrent loans | 661.2782% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 3,924 |
| Noncurrent loans to loans | 0.2347% | 3,701 |
| Net loans and leases to total assets | 68.5010% | 2,707 |
| Net loans and leases to deposits | 81.8617% | 2,703 |
| Net loans and leases to core deposits | 84.8638% | 3,007 |
| Total domestic deposits to total assets | 83.6790% | 2,940 |
| Equity capital to assets | 15.8226% | 671 |
| Core capital (leverage) ratio | 15.9725% | 564 |
| Tier 1 risk-based capital ratio | 22.0347% | 1,068 |
| Total risk-based capital ratio | 23.2875% | 1,042 |
| Memoranda: | ||
| Average total assets | $156,625,000 | 3,264 |
| Average earning assets | $147,722,500 | 3,229 |
| Average equity | $25,450,000 | 2,693 |
| Average total loans | $113,484,000 | 3,067 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0816% | 1,268 |
| Cost of funding earning assets | 1.0650% | 1,432 |
| Net interest margin | 4.0166% | 1,866 |
| Noninterest income to average assets | 0.8814% | 1,115 |
| Noninterest expense to average assets | 2.7424% | 2,777 |
| Loan and lease loss provision to assets | 0.0401% | 3,010 |
| Net operating income to assets | 1.4249% | 1,360 |
| Return on assets (ROA) | 1.4249% | 1,413 |
| Pretax return on assets | 1.8818% | 866 |
| Return on Equity (ROE) | 8.6891% | 2,979 |
| Retained earnings to average equity (ytd only) | 1.2548% | 4,364 |
| Net charge-offs to loans | 0.0141% | 2,634 |
| Credit loss provision to net charge-offs | 387.5000% | 739 |
| Earnings coverage of net charge-offs (x) | 185.6250% | 416 |
| Efficiency ratio | 58.7958% | 3,893 |
| Assets per employee ($millions) | 4.9800% | 2,503 |
| Cash dividends to net income (ytd only)* | 85.5586% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 1,109 |
| Loan loss allowance to noncurrent loans | 14,533.3333% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,767 |
| Noncurrent loans to loans | 0.0108% | 4,669 |
| Net loans and leases to total assets | 68.7947% | 2,706 |
| Net loans and leases to deposits | 82.3830% | 2,686 |
| Net loans and leases to core deposits | 85.7585% | 2,980 |
| Total domestic deposits to total assets | 83.5060% | 3,050 |
| Equity capital to assets | 16.0547% | 613 |
| Core capital (leverage) ratio | 16.3714% | 500 |
| Tier 1 risk-based capital ratio | 22.6563% | 975 |
| Total risk-based capital ratio | 23.9099% | 963 |
| Memoranda: | ||
| Average total assets | $154,535,330 | 3,295 |
| Average earning assets | $145,544,670 | 3,267 |
| Average equity | $25,342,000 | 2,686 |
| Average total loans | $113,531,000 | 3,079 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0964% | 1,101 |
| Cost of funding earning assets | 0.9836% | 1,639 |
| Net interest margin | 4.1128% | 1,519 |
| Noninterest income to average assets | 0.5443% | 2,316 |
| Noninterest expense to average assets | 2.7110% | 2,878 |
| Loan and lease loss provision to assets | 0.0815% | 2,071 |
| Net operating income to assets | 1.2516% | 1,882 |
| Return on assets (ROA) | 1.2516% | 1,928 |
| Pretax return on assets | 1.6329% | 1,388 |
| Return on Equity (ROE) | 7.5494% | 3,436 |
| Retained earnings to average equity (ytd only) | 3.3623% | 3,573 |
| Net charge-offs to loans | -0.0209% | 4,503 |
| Credit loss provision to net charge-offs | -516.6667% | 3,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2597% | 3,642 |
| Assets per employee ($millions) | 4.8457% | 2,719 |
| Cash dividends to net income (ytd only)* | 55.4622% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 72.0974% | 2,147 |
| Net loans and leases to deposits | 86.7435% | 2,033 |
| Net loans and leases to core deposits | 89.5729% | 2,544 |
| Total domestic deposits to total assets | 83.1157% | 3,346 |
| Equity capital to assets | 16.3671% | 520 |
| Core capital (leverage) ratio | 16.7750% | 448 |
| Tier 1 risk-based capital ratio | 23.0943% | 925 |
| Total risk-based capital ratio | 24.3486% | 904 |
| Memoranda: | ||
| Average total assets | $152,122,500 | 3,361 |
| Average earning assets | $143,553,500 | 3,327 |
| Average equity | $25,220,500 | 2,694 |
| Average total loans | $114,608,500 | 3,089 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0084% | 1,033 |
| Cost of funding earning assets | 0.6868% | 2,167 |
| Net interest margin | 4.3215% | 1,105 |
| Noninterest income to average assets | 0.7685% | 1,574 |
| Noninterest expense to average assets | 2.9153% | 2,300 |
| Loan and lease loss provision to assets | 0.1533% | 1,381 |
| Net operating income to assets | 1.4069% | 1,408 |
| Return on assets (ROA) | 1.5861% | 895 |
| Pretax return on assets | 2.0378% | 514 |
| Return on Equity (ROE) | 9.5673% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.3179% | 2,586 |
| Net charge-offs to loans | -0.0151% | 4,614 |
| Credit loss provision to net charge-offs | -1,323.5294% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7459% | 3,907 |
| Assets per employee ($millions) | 4.3878% | 3,324 |
| Cash dividends to net income (ytd only)* | 44.4158% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,338 |
| Loan loss allowance to noncurrent loans | 186.2554% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 2,178 |
| Noncurrent loans to loans | 0.7989% | 2,006 |
| Net loans and leases to total assets | 76.3768% | 1,544 |
| Net loans and leases to deposits | 92.3213% | 1,503 |
| Net loans and leases to core deposits | 95.0602% | 2,133 |
| Total domestic deposits to total assets | 82.7294% | 3,415 |
| Equity capital to assets | 16.7994% | 432 |
| Core capital (leverage) ratio | 16.9194% | 415 |
| Tier 1 risk-based capital ratio | 22.5662% | 960 |
| Total risk-based capital ratio | 23.8191% | 936 |
| Memoranda: | ||
| Average total assets | $146,776,600 | 3,419 |
| Average earning assets | $139,626,000 | 3,362 |
| Average equity | $24,333,000 | 2,697 |
| Average total loans | $112,661,200 | 3,099 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 1,120 |
| Cost of funding earning assets | 0.6328% | 2,253 |
| Net interest margin | 4.2867% | 1,142 |
| Noninterest income to average assets | 0.8246% | 1,397 |
| Noninterest expense to average assets | 2.8878% | 2,338 |
| Loan and lease loss provision to assets | 0.2061% | 822 |
| Net operating income to assets | 1.3599% | 1,619 |
| Return on assets (ROA) | 1.5999% | 967 |
| Pretax return on assets | 2.1189% | 465 |
| Return on Equity (ROE) | 9.6834% | 2,761 |
| Retained earnings to average equity (ytd only) | 5.7471% | 2,794 |
| Net charge-offs to loans | 0.0214% | 2,709 |
| Credit loss provision to net charge-offs | 1,255.5556% | 324 |
| Earnings coverage of net charge-offs (x) | 123.1079% | 644 |
| Efficiency ratio | 58.8257% | 3,989 |
| Assets per employee ($millions) | 4.3441% | 3,370 |
| Cash dividends to net income (ytd only)* | 40.6498% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 1,444 |
| Loan loss allowance to noncurrent loans | 781.0185% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 2,569 |
| Noncurrent loans to loans | 0.1885% | 4,039 |
| Net loans and leases to total assets | 76.4218% | 1,598 |
| Net loans and leases to deposits | 92.1376% | 1,604 |
| Net loans and leases to core deposits | 94.9016% | 2,216 |
| Total domestic deposits to total assets | 82.9431% | 3,325 |
| Equity capital to assets | 16.5924% | 450 |
| Core capital (leverage) ratio | 17.0012% | 421 |
| Tier 1 risk-based capital ratio | 22.2879% | 1,013 |
| Total risk-based capital ratio | 23.5406% | 989 |
| Memoranda: | ||
| Average total assets | $146,174,750 | 3,467 |
| Average earning assets | $139,281,000 | 3,401 |
| Average equity | $24,150,750 | 2,724 |
| Average total loans | $111,910,750 | 3,136 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 1,122 |
| Cost of funding earning assets | 0.5879% | 2,312 |
| Net interest margin | 4.2634% | 1,128 |
| Noninterest income to average assets | 0.6316% | 2,174 |
| Noninterest expense to average assets | 2.9245% | 2,277 |
| Loan and lease loss provision to assets | 0.2787% | 522 |
| Net operating income to assets | 1.0928% | 2,613 |
| Return on assets (ROA) | 1.4540% | 1,266 |
| Pretax return on assets | 1.9579% | 669 |
| Return on Equity (ROE) | 8.8132% | 3,106 |
| Retained earnings to average equity (ytd only) | 5.5509% | 2,794 |
| Net charge-offs to loans | 0.0198% | 2,492 |
| Credit loss provision to net charge-offs | 1,845.4545% | 229 |
| Earnings coverage of net charge-offs (x) | 117.8182% | 621 |
| Efficiency ratio | 62.1716% | 3,599 |
| Assets per employee ($millions) | 4.4677% | 3,174 |
| Cash dividends to net income (ytd only)* | 37.0161% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,432 |
| Loan loss allowance to noncurrent loans | 944.0678% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 2,379 |
| Noncurrent loans to loans | 0.1576% | 4,198 |
| Net loans and leases to total assets | 75.0310% | 1,783 |
| Net loans and leases to deposits | 90.2308% | 1,805 |
| Net loans and leases to core deposits | 92.9417% | 2,313 |
| Total domestic deposits to total assets | 83.1546% | 3,365 |
| Equity capital to assets | 16.4228% | 450 |
| Core capital (leverage) ratio | 16.9306% | 404 |
| Tier 1 risk-based capital ratio | 22.4863% | 985 |
| Total risk-based capital ratio | 23.7392% | 964 |
| Memoranda: | ||
| Average total assets | $145,666,330 | 3,493 |
| Average earning assets | $139,137,330 | 3,422 |
| Average equity | $24,032,000 | 2,749 |
| Average total loans | $111,027,000 | 3,160 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 1,098 |
| Cost of funding earning assets | 0.5708% | 2,251 |
| Net interest margin | 4.2203% | 1,130 |
| Noninterest income to average assets | 0.5940% | 2,291 |
| Noninterest expense to average assets | 2.9147% | 2,308 |
| Loan and lease loss provision to assets | 0.2155% | 739 |
| Net operating income to assets | 1.2411% | 1,843 |
| Return on assets (ROA) | 1.4201% | 1,294 |
| Pretax return on assets | 1.7267% | 1,052 |
| Return on Equity (ROE) | 8.5876% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.4014% | 2,105 |
| Net charge-offs to loans | -0.0544% | 5,006 |
| Credit loss provision to net charge-offs | -520.0000% | 4,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8350% | 3,661 |
| Assets per employee ($millions) | 4.2886% | 3,507 |
| Cash dividends to net income (ytd only)* | 13.8132% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 1,805 |
| Loan loss allowance to noncurrent loans | 573.7226% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 2,444 |
| Noncurrent loans to loans | 0.2455% | 3,885 |
| Net loans and leases to total assets | 75.4578% | 1,627 |
| Net loans and leases to deposits | 91.1681% | 1,539 |
| Net loans and leases to core deposits | 94.5209% | 2,094 |
| Total domestic deposits to total assets | 82.7678% | 3,738 |
| Equity capital to assets | 16.5066% | 440 |
| Core capital (leverage) ratio | 16.8804% | 398 |
| Tier 1 risk-based capital ratio | 22.1589% | 1,029 |
| Total risk-based capital ratio | 23.4103% | 1,013 |
| Memoranda: | ||
| Average total assets | $144,782,000 | 3,538 |
| Average earning assets | $138,758,500 | 3,469 |
| Average equity | $23,941,500 | 2,782 |
| Average total loans | $110,394,000 | 3,183 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 1,133 |
| Cost of funding earning assets | 0.4761% | 2,537 |
| Net interest margin | 4.2505% | 1,080 |
| Noninterest income to average assets | 0.6177% | 2,362 |
| Noninterest expense to average assets | 3.0728% | 1,946 |
| Loan and lease loss provision to assets | 0.2634% | 694 |
| Net operating income to assets | 0.8972% | 2,728 |
| Return on assets (ROA) | 0.7018% | 3,652 |
| Pretax return on assets | 1.0618% | 3,334 |
| Return on Equity (ROE) | 4.2236% | 4,432 |
| Retained earnings to average equity (ytd only) | 0.0376% | 4,994 |
| Net charge-offs to loans | 0.5250% | 443 |
| Credit loss provision to net charge-offs | 67.7996% | 3,121 |
| Earnings coverage of net charge-offs (x) | 4.1735% | 3,506 |
| Efficiency ratio | 65.4626% | 3,347 |
| Assets per employee ($millions) | 4.2279% | 3,615 |
| Cash dividends to net income (ytd only)* | 99.1089% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 1,951 |
| Loan loss allowance to noncurrent loans | 1,013.0137% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 2,498 |
| Noncurrent loans to loans | 0.1337% | 4,393 |
| Net loans and leases to total assets | 74.9280% | 1,764 |
| Net loans and leases to deposits | 90.8109% | 1,678 |
| Net loans and leases to core deposits | 94.1957% | 2,178 |
| Total domestic deposits to total assets | 82.5099% | 3,726 |
| Equity capital to assets | 16.5663% | 447 |
| Core capital (leverage) ratio | 16.5118% | 414 |
| Tier 1 risk-based capital ratio | 21.8772% | 1,034 |
| Total risk-based capital ratio | 23.1282% | 1,012 |
| Memoranda: | ||
| Average total assets | $143,909,600 | 3,552 |
| Average earning assets | $138,006,400 | 3,479 |
| Average equity | $23,913,200 | 2,769 |
| Average total loans | $106,482,400 | 3,240 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,193 |
| Cost of funding earning assets | 0.4554% | 2,663 |
| Net interest margin | 4.2179% | 1,115 |
| Noninterest income to average assets | 0.6635% | 2,147 |
| Noninterest expense to average assets | 3.0610% | 1,919 |
| Loan and lease loss provision to assets | 0.3035% | 515 |
| Net operating income to assets | 0.8337% | 3,368 |
| Return on assets (ROA) | 0.5802% | 4,497 |
| Pretax return on assets | 0.9485% | 3,876 |
| Return on Equity (ROE) | 3.4798% | 4,984 |
| Retained earnings to average equity (ytd only) | -0.3774% | 5,268 |
| Net charge-offs to loans | 0.6275% | 315 |
| Credit loss provision to net charge-offs | 65.8635% | 2,739 |
| Earnings coverage of net charge-offs (x) | 3.5763% | 3,322 |
| Efficiency ratio | 65.0029% | 3,378 |
| Assets per employee ($millions) | 4.2683% | 3,528 |
| Cash dividends to net income (ytd only)* | 110.8448% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,999 |
| Loan loss allowance to noncurrent loans | 72.4574% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8385% | 740 |
| Noncurrent loans to loans | 1.8976% | 916 |
| Net loans and leases to total assets | 73.5972% | 1,978 |
| Net loans and leases to deposits | 89.3908% | 1,884 |
| Net loans and leases to core deposits | 92.7070% | 2,378 |
| Total domestic deposits to total assets | 82.3320% | 3,677 |
| Equity capital to assets | 16.6895% | 460 |
| Core capital (leverage) ratio | 16.5695% | 419 |
| Tier 1 risk-based capital ratio | 22.2811% | 1,015 |
| Total risk-based capital ratio | 23.5323% | 993 |
| Memoranda: | ||
| Average total assets | $144,087,500 | 3,581 |
| Average earning assets | $138,200,250 | 3,508 |
| Average equity | $24,023,500 | 2,778 |
| Average total loans | $105,806,000 | 3,275 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,198 |
| Cost of funding earning assets | 0.4341% | 2,764 |
| Net interest margin | 4.1959% | 1,085 |
| Noninterest income to average assets | 0.4564% | 3,312 |
| Noninterest expense to average assets | 3.2043% | 1,570 |
| Loan and lease loss provision to assets | 0.3785% | 369 |
| Net operating income to assets | 0.5623% | 4,459 |
| Return on assets (ROA) | 0.5232% | 4,668 |
| Pretax return on assets | 0.8334% | 4,149 |
| Return on Equity (ROE) | 3.1388% | 5,074 |
| Retained earnings to average equity (ytd only) | -0.1002% | 5,090 |
| Net charge-offs to loans | 0.8307% | 236 |
| Credit loss provision to net charge-offs | 62.3853% | 2,443 |
| Earnings coverage of net charge-offs (x) | 2.0986% | 3,204 |
| Efficiency ratio | 71.5662% | 2,420 |
| Assets per employee ($millions) | 4.2508% | 3,516 |
| Cash dividends to net income (ytd only)* | 103.1915% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,949 |
| Loan loss allowance to noncurrent loans | 232.1429% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.2676% | 1,316 |
| Noncurrent loans to loans | 0.6032% | 2,917 |
| Net loans and leases to total assets | 72.8309% | 2,073 |
| Net loans and leases to deposits | 88.2041% | 1,958 |
| Net loans and leases to core deposits | 91.4844% | 2,374 |
| Total domestic deposits to total assets | 82.5709% | 3,697 |
| Equity capital to assets | 16.6674% | 442 |
| Core capital (leverage) ratio | 16.6966% | 396 |
| Tier 1 risk-based capital ratio | 22.8494% | 963 |
| Total risk-based capital ratio | 24.1008% | 945 |
| Memoranda: | ||
| Average total assets | $143,743,000 | 3,600 |
| Average earning assets | $137,752,330 | 3,523 |
| Average equity | $23,958,000 | 2,787 |
| Average total loans | $104,976,670 | 3,300 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5706% | 1,211 |
| Cost of funding earning assets | 0.4182% | 2,830 |
| Net interest margin | 4.1525% | 1,091 |
| Noninterest income to average assets | 0.6139% | 2,352 |
| Noninterest expense to average assets | 3.1922% | 1,632 |
| Loan and lease loss provision to assets | 0.6948% | 144 |
| Net operating income to assets | 0.4660% | 4,720 |
| Return on assets (ROA) | 0.4660% | 4,743 |
| Pretax return on assets | 0.7171% | 4,393 |
| Return on Equity (ROE) | 2.7959% | 5,149 |
| Retained earnings to average equity (ytd only) | -1.0212% | 5,070 |
| Net charge-offs to loans | 1.6640% | 93 |
| Credit loss provision to net charge-offs | 57.5058% | 1,930 |
| Earnings coverage of net charge-offs (x) | 1.1686% | 2,752 |
| Efficiency ratio | 69.3333% | 2,991 |
| Assets per employee ($millions) | 4.3496% | 3,422 |
| Cash dividends to net income (ytd only)* | 136.5269% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,987 |
| Loan loss allowance to noncurrent loans | 264.3369% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.2701% | 1,348 |
| Noncurrent loans to loans | 0.5377% | 3,199 |
| Net loans and leases to total assets | 71.2646% | 2,175 |
| Net loans and leases to deposits | 86.2968% | 2,005 |
| Net loans and leases to core deposits | 89.2459% | 2,427 |
| Total domestic deposits to total assets | 82.5808% | 3,978 |
| Equity capital to assets | 16.6549% | 416 |
| Core capital (leverage) ratio | 16.6160% | 397 |
| Tier 1 risk-based capital ratio | 23.0650% | 968 |
| Total risk-based capital ratio | 24.3164% | 951 |
| Memoranda: | ||
| Average total assets | $143,350,500 | 3,639 |
| Average earning assets | $137,749,500 | 3,560 |
| Average equity | $23,892,500 | 2,802 |
| Average total loans | $104,087,000 | 3,338 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 942 |
| Cost of funding earning assets | 0.4450% | 2,577 |
| Net interest margin | 4.3160% | 909 |
| Noninterest income to average assets | 0.3298% | 4,372 |
| Noninterest expense to average assets | 2.8482% | 2,849 |
| Loan and lease loss provision to assets | 0.2382% | 896 |
| Net operating income to assets | 0.8621% | 3,016 |
| Return on assets (ROA) | 0.7936% | 3,437 |
| Pretax return on assets | 1.2574% | 2,442 |
| Return on Equity (ROE) | 4.8606% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.7458% | 2,515 |
| Net charge-offs to loans | 0.4633% | 543 |
| Credit loss provision to net charge-offs | 71.9078% | 3,104 |
| Earnings coverage of net charge-offs (x) | 4.8386% | 3,437 |
| Efficiency ratio | 63.9938% | 3,940 |
| Assets per employee ($millions) | 4.3383% | 3,381 |
| Cash dividends to net income (ytd only)* | 2.3622% | 4,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,400 |
| Loan loss allowance to noncurrent loans | 188.3087% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.7274% | 887 |
| Noncurrent loans to loans | 0.8438% | 2,417 |
| Net loans and leases to total assets | 71.7701% | 2,198 |
| Net loans and leases to deposits | 86.9560% | 2,054 |
| Net loans and leases to core deposits | 90.5956% | 2,445 |
| Total domestic deposits to total assets | 82.5361% | 3,924 |
| Equity capital to assets | 16.6795% | 423 |
| Core capital (leverage) ratio | 16.6563% | 387 |
| Tier 1 risk-based capital ratio | 22.7292% | 993 |
| Total risk-based capital ratio | 23.9828% | 976 |
| Memoranda: | ||
| Average total assets | $144,022,400 | 3,606 |
| Average earning assets | $137,512,800 | 3,525 |
| Average equity | $23,515,600 | 2,845 |
| Average total loans | $102,952,800 | 3,331 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 929 |
| Cost of funding earning assets | 0.4443% | 2,607 |
| Net interest margin | 4.3400% | 860 |
| Noninterest income to average assets | 0.3152% | 4,511 |
| Noninterest expense to average assets | 2.8286% | 2,910 |
| Loan and lease loss provision to assets | 0.2015% | 1,046 |
| Net operating income to assets | 0.9291% | 2,757 |
| Return on assets (ROA) | 0.8366% | 3,331 |
| Pretax return on assets | 1.2877% | 2,479 |
| Return on Equity (ROE) | 5.1511% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.9974% | 2,828 |
| Net charge-offs to loans | 0.3236% | 714 |
| Credit loss provision to net charge-offs | 87.5502% | 2,568 |
| Earnings coverage of net charge-offs (x) | 7.0884% | 2,921 |
| Efficiency ratio | 63.4197% | 4,014 |
| Assets per employee ($millions) | 4.9364% | 2,444 |
| Cash dividends to net income (ytd only)* | 2.9835% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 1,188 |
| Loan loss allowance to noncurrent loans | 137.9796% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.1550% | 694 |
| Noncurrent loans to loans | 1.2416% | 1,807 |
| Net loans and leases to total assets | 70.6137% | 2,406 |
| Net loans and leases to deposits | 85.6147% | 2,300 |
| Net loans and leases to core deposits | 89.9831% | 2,580 |
| Total domestic deposits to total assets | 82.4784% | 3,788 |
| Equity capital to assets | 16.7329% | 455 |
| Core capital (leverage) ratio | 16.4839% | 421 |
| Tier 1 risk-based capital ratio | 22.8596% | 1,019 |
| Total risk-based capital ratio | 24.1148% | 1,005 |
| Memoranda: | ||
| Average total assets | $144,237,000 | 3,617 |
| Average earning assets | $137,754,000 | 3,546 |
| Average equity | $23,424,750 | 2,871 |
| Average total loans | $102,589,000 | 3,352 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7234% | 998 |
| Cost of funding earning assets | 0.4445% | 2,621 |
| Net interest margin | 4.2789% | 965 |
| Noninterest income to average assets | 0.3707% | 4,095 |
| Noninterest expense to average assets | 2.8894% | 2,714 |
| Loan and lease loss provision to assets | 0.2503% | 771 |
| Net operating income to assets | 0.8650% | 3,027 |
| Return on assets (ROA) | 0.8285% | 3,314 |
| Pretax return on assets | 1.2628% | 2,554 |
| Return on Equity (ROE) | 5.1531% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.1531% | 2,629 |
| Net charge-offs to loans | 0.3102% | 765 |
| Credit loss provision to net charge-offs | 113.8365% | 1,928 |
| Earnings coverage of net charge-offs (x) | 7.1321% | 2,664 |
| Efficiency ratio | 64.8154% | 3,877 |
| Assets per employee ($millions) | 5.3713% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 1,182 |
| Loan loss allowance to noncurrent loans | 188.4735% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 2.1238% | 744 |
| Noncurrent loans to loans | 0.9264% | 2,417 |
| Net loans and leases to total assets | 70.4260% | 2,414 |
| Net loans and leases to deposits | 85.0701% | 2,344 |
| Net loans and leases to core deposits | 89.3391% | 2,597 |
| Total domestic deposits to total assets | 82.7858% | 3,727 |
| Equity capital to assets | 16.3185% | 500 |
| Core capital (leverage) ratio | 16.1761% | 443 |
| Tier 1 risk-based capital ratio | 22.2118% | 1,112 |
| Total risk-based capital ratio | 23.4668% | 1,098 |
| Memoranda: | ||
| Average total assets | $144,597,670 | 3,636 |
| Average earning assets | $138,120,000 | 3,562 |
| Average equity | $23,248,330 | 2,895 |
| Average total loans | $102,502,330 | 3,362 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 961 |
| Cost of funding earning assets | 0.4451% | 2,637 |
| Net interest margin | 4.2994% | 933 |
| Noninterest income to average assets | 0.3297% | 4,373 |
| Noninterest expense to average assets | 2.8147% | 3,014 |
| Loan and lease loss provision to assets | 0.2937% | 542 |
| Net operating income to assets | 0.8034% | 3,226 |
| Return on assets (ROA) | 0.8034% | 3,342 |
| Pretax return on assets | 1.3159% | 2,237 |
| Return on Equity (ROE) | 5.0348% | 4,468 |
| Retained earnings to average equity (ytd only) | 5.0348% | 2,918 |
| Net charge-offs to loans | 0.2790% | 757 |
| Credit loss provision to net charge-offs | 149.2958% | 1,283 |
| Earnings coverage of net charge-offs (x) | 8.1831% | 2,080 |
| Efficiency ratio | 63.6193% | 4,185 |
| Assets per employee ($millions) | 5.3610% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 1,134 |
| Loan loss allowance to noncurrent loans | 112.0785% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.7448% | 504 |
| Noncurrent loans to loans | 1.6153% | 1,426 |
| Net loans and leases to total assets | 68.4961% | 2,582 |
| Net loans and leases to deposits | 82.4334% | 2,494 |
| Net loans and leases to core deposits | 86.5624% | 2,700 |
| Total domestic deposits to total assets | 83.0926% | 3,864 |
| Equity capital to assets | 16.0466% | 530 |
| Core capital (leverage) ratio | 15.9465% | 476 |
| Tier 1 risk-based capital ratio | 22.4616% | 1,095 |
| Total risk-based capital ratio | 23.7175% | 1,067 |
| Memoranda: | ||
| Average total assets | $144,383,500 | 3,661 |
| Average earning assets | $137,506,000 | 3,591 |
| Average equity | $23,039,500 | 2,922 |
| Average total loans | $101,778,000 | 3,392 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 875 |
| Cost of funding earning assets | 0.5131% | 2,041 |
| Net interest margin | 4.3178% | 934 |
| Noninterest income to average assets | 0.5976% | 2,727 |
| Noninterest expense to average assets | 2.9398% | 2,728 |
| Loan and lease loss provision to assets | 0.4158% | 316 |
| Net operating income to assets | 0.8622% | 3,058 |
| Return on assets (ROA) | 0.8225% | 3,314 |
| Pretax return on assets | 1.2940% | 2,312 |
| Return on Equity (ROE) | 5.3064% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.3064% | 2,209 |
| Net charge-offs to loans | 1.1729% | 152 |
| Credit loss provision to net charge-offs | 50.3797% | 3,398 |
| Earnings coverage of net charge-offs (x) | 2.1468% | 3,966 |
| Efficiency ratio | 62.3947% | 4,544 |
| Assets per employee ($millions) | 5.3341% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 1,244 |
| Loan loss allowance to noncurrent loans | 156.8679% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 2.5691% | 592 |
| Noncurrent loans to loans | 1.1142% | 2,109 |
| Net loans and leases to total assets | 69.9826% | 2,367 |
| Net loans and leases to deposits | 83.9195% | 2,372 |
| Net loans and leases to core deposits | 88.1192% | 2,589 |
| Total domestic deposits to total assets | 83.3926% | 3,713 |
| Equity capital to assets | 15.8672% | 534 |
| Core capital (leverage) ratio | 15.8146% | 487 |
| Tier 1 risk-based capital ratio | 21.2112% | 1,263 |
| Total risk-based capital ratio | 22.4662% | 1,242 |
| Memoranda: | ||
| Average total assets | $143,583,000 | 3,669 |
| Average earning assets | $136,807,200 | 3,584 |
| Average equity | $22,256,200 | 2,945 |
| Average total loans | $101,030,600 | 3,365 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 924 |
| Cost of funding earning assets | 0.5286% | 1,975 |
| Net interest margin | 4.2746% | 1,011 |
| Noninterest income to average assets | 0.4433% | 3,768 |
| Noninterest expense to average assets | 2.9487% | 2,677 |
| Loan and lease loss provision to assets | 0.3169% | 449 |
| Net operating income to assets | 0.7952% | 3,450 |
| Return on assets (ROA) | 0.7964% | 3,538 |
| Pretax return on assets | 1.2601% | 2,555 |
| Return on Equity (ROE) | 5.1686% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.1686% | 2,798 |
| Net charge-offs to loans | 1.0572% | 174 |
| Credit loss provision to net charge-offs | 42.7318% | 3,128 |
| Earnings coverage of net charge-offs (x) | 2.1241% | 3,730 |
| Efficiency ratio | 65.1808% | 4,037 |
| Assets per employee ($millions) | 5.1299% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9041% | 1,065 |
| Loan loss allowance to noncurrent loans | 169.0685% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 2.6999% | 605 |
| Noncurrent loans to loans | 1.1262% | 2,252 |
| Net loans and leases to total assets | 69.0080% | 2,537 |
| Net loans and leases to deposits | 82.7015% | 2,563 |
| Net loans and leases to core deposits | 87.0620% | 2,744 |
| Total domestic deposits to total assets | 83.4423% | 3,633 |
| Equity capital to assets | 15.6944% | 616 |
| Core capital (leverage) ratio | 15.3432% | 582 |
| Tier 1 risk-based capital ratio | 20.7175% | 1,399 |
| Total risk-based capital ratio | 21.9748% | 1,365 |
| Memoranda: | ||
| Average total assets | $143,473,750 | 3,697 |
| Average earning assets | $136,959,500 | 3,612 |
| Average equity | $22,107,250 | 2,976 |
| Average total loans | $100,642,750 | 3,411 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8119% | 873 |
| Cost of funding earning assets | 0.5552% | 1,773 |
| Net interest margin | 4.2568% | 1,004 |
| Noninterest income to average assets | 0.5020% | 3,358 |
| Noninterest expense to average assets | 2.8811% | 2,958 |
| Loan and lease loss provision to assets | 0.4755% | 219 |
| Net operating income to assets | 0.7563% | 3,618 |
| Return on assets (ROA) | 0.7572% | 3,708 |
| Pretax return on assets | 1.1993% | 2,778 |
| Return on Equity (ROE) | 4.9449% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.9449% | 2,889 |
| Net charge-offs to loans | 0.9731% | 215 |
| Credit loss provision to net charge-offs | 69.7342% | 2,467 |
| Earnings coverage of net charge-offs (x) | 2.4540% | 3,339 |
| Efficiency ratio | 63.2578% | 4,473 |
| Assets per employee ($millions) | 5.1499% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2585% | 674 |
| Loan loss allowance to noncurrent loans | 174.4531% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 2.7768% | 636 |
| Noncurrent loans to loans | 1.2946% | 2,078 |
| Net loans and leases to total assets | 67.0178% | 2,788 |
| Net loans and leases to deposits | 79.9856% | 2,783 |
| Net loans and leases to core deposits | 84.6090% | 2,920 |
| Total domestic deposits to total assets | 83.7873% | 3,655 |
| Equity capital to assets | 15.3999% | 628 |
| Core capital (leverage) ratio | 15.2648% | 580 |
| Tier 1 risk-based capital ratio | 21.6296% | 1,261 |
| Total risk-based capital ratio | 22.8915% | 1,242 |
| Memoranda: | ||
| Average total assets | $143,419,330 | 3,723 |
| Average earning assets | $136,536,000 | 3,649 |
| Average equity | $21,962,000 | 3,002 |
| Average total loans | $100,508,670 | 3,436 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 709 |
| Cost of funding earning assets | 0.5723% | 1,637 |
| Net interest margin | 4.3205% | 844 |
| Noninterest income to average assets | 0.6460% | 2,419 |
| Noninterest expense to average assets | 2.8833% | 2,958 |
| Loan and lease loss provision to assets | 0.5705% | 169 |
| Net operating income to assets | 0.8316% | 3,103 |
| Return on assets (ROA) | 0.8334% | 3,221 |
| Pretax return on assets | 1.3116% | 2,229 |
| Return on Equity (ROE) | 5.4579% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.4579% | 2,802 |
| Net charge-offs to loans | 0.8014% | 294 |
| Credit loss provision to net charge-offs | 100.4926% | 1,601 |
| Earnings coverage of net charge-offs (x) | 3.3103% | 2,621 |
| Efficiency ratio | 60.5402% | 5,025 |
| Assets per employee ($millions) | 5.1916% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3923% | 620 |
| Loan loss allowance to noncurrent loans | 171.6138% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 3.4369% | 489 |
| Noncurrent loans to loans | 1.3940% | 2,060 |
| Net loans and leases to total assets | 66.8565% | 2,626 |
| Net loans and leases to deposits | 79.8157% | 2,577 |
| Net loans and leases to core deposits | 84.7535% | 2,687 |
| Total domestic deposits to total assets | 83.7636% | 3,903 |
| Equity capital to assets | 15.1605% | 687 |
| Core capital (leverage) ratio | 15.1202% | 591 |
| Tier 1 risk-based capital ratio | 20.0289% | 1,607 |
| Total risk-based capital ratio | 21.2904% | 1,572 |
| Memoranda: | ||
| Average total assets | $143,031,000 | 3,757 |
| Average earning assets | $136,282,000 | 3,679 |
| Average equity | $21,840,000 | 3,036 |
| Average total loans | $101,328,000 | 3,427 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 804 |
| Cost of funding earning assets | 0.6569% | 1,363 |
| Net interest margin | 4.3258% | 1,012 |
| Noninterest income to average assets | 0.4904% | 3,582 |
| Noninterest expense to average assets | 2.9685% | 2,936 |
| Loan and lease loss provision to assets | 0.6042% | 231 |
| Net operating income to assets | 0.6545% | 4,114 |
| Return on assets (ROA) | 0.6738% | 4,130 |
| Pretax return on assets | 1.0567% | 3,272 |
| Return on Equity (ROE) | 4.5425% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.5425% | 2,940 |
| Net charge-offs to loans | 0.6096% | 647 |
| Credit loss provision to net charge-offs | 139.8374% | 1,698 |
| Earnings coverage of net charge-offs (x) | 3.7740% | 3,812 |
| Efficiency ratio | 64.5432% | 4,497 |
| Assets per employee ($millions) | 5.2110% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 714 |
| Loan loss allowance to noncurrent loans | 87.1523% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 4.2169% | 386 |
| Noncurrent loans to loans | 2.6502% | 928 |
| Net loans and leases to total assets | 71.5772% | 1,977 |
| Net loans and leases to deposits | 85.6243% | 2,027 |
| Net loans and leases to core deposits | 90.8974% | 2,193 |
| Total domestic deposits to total assets | 83.5945% | 3,883 |
| Equity capital to assets | 15.3820% | 636 |
| Core capital (leverage) ratio | 15.0336% | 608 |
| Tier 1 risk-based capital ratio | 20.2569% | 1,546 |
| Total risk-based capital ratio | 21.5198% | 1,514 |
| Memoranda: | ||
| Average total assets | $142,328,000 | 3,753 |
| Average earning assets | $135,188,000 | 3,671 |
| Average equity | $21,111,600 | 3,040 |
| Average total loans | $100,884,200 | 3,400 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 745 |
| Cost of funding earning assets | 0.6661% | 1,347 |
| Net interest margin | 4.3540% | 948 |
| Noninterest income to average assets | 0.3494% | 4,648 |
| Noninterest expense to average assets | 2.9723% | 2,899 |
| Loan and lease loss provision to assets | 0.5950% | 226 |
| Net operating income to assets | 0.5796% | 4,543 |
| Return on assets (ROA) | 0.6053% | 4,512 |
| Pretax return on assets | 0.9500% | 3,791 |
| Return on Equity (ROE) | 4.1183% | 5,125 |
| Retained earnings to average equity (ytd only) | 4.1183% | 3,724 |
| Net charge-offs to loans | 0.7641% | 440 |
| Credit loss provision to net charge-offs | 110.7826% | 2,030 |
| Earnings coverage of net charge-offs (x) | 2.8017% | 3,820 |
| Efficiency ratio | 66.3885% | 4,156 |
| Assets per employee ($millions) | 5.0229% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2055% | 939 |
| Loan loss allowance to noncurrent loans | 71.8535% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 4.5044% | 401 |
| Noncurrent loans to loans | 3.0694% | 862 |
| Net loans and leases to total assets | 69.3003% | 2,308 |
| Net loans and leases to deposits | 82.5225% | 2,358 |
| Net loans and leases to core deposits | 88.0402% | 2,427 |
| Total domestic deposits to total assets | 83.9775% | 3,778 |
| Equity capital to assets | 15.1671% | 702 |
| Core capital (leverage) ratio | 14.8016% | 659 |
| Tier 1 risk-based capital ratio | 19.6433% | 1,747 |
| Total risk-based capital ratio | 20.9038% | 1,714 |
| Memoranda: | ||
| Average total assets | $142,735,750 | 3,778 |
| Average earning assets | $135,320,500 | 3,699 |
| Average equity | $20,979,000 | 3,067 |
| Average total loans | $100,333,250 | 3,442 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 704 |
| Cost of funding earning assets | 0.6765% | 1,327 |
| Net interest margin | 4.3582% | 926 |
| Noninterest income to average assets | 0.6540% | 2,518 |
| Noninterest expense to average assets | 3.0174% | 2,772 |
| Loan and lease loss provision to assets | 0.8589% | 138 |
| Net operating income to assets | 0.5773% | 4,467 |
| Return on assets (ROA) | 0.5773% | 4,570 |
| Pretax return on assets | 0.9008% | 3,884 |
| Return on Equity (ROE) | 3.9690% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.9690% | 3,656 |
| Net charge-offs to loans | 1.1138% | 291 |
| Credit loss provision to net charge-offs | 110.0000% | 1,824 |
| Earnings coverage of net charge-offs (x) | 2.2536% | 3,589 |
| Efficiency ratio | 63.1640% | 4,827 |
| Assets per employee ($millions) | 5.0926% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 1,024 |
| Loan loss allowance to noncurrent loans | 54.7863% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 5.4176% | 312 |
| Noncurrent loans to loans | 4.0145% | 587 |
| Net loans and leases to total assets | 68.3566% | 2,359 |
| Net loans and leases to deposits | 81.1548% | 2,364 |
| Net loans and leases to core deposits | 86.1813% | 2,499 |
| Total domestic deposits to total assets | 84.2298% | 3,845 |
| Equity capital to assets | 14.8438% | 739 |
| Core capital (leverage) ratio | 14.4240% | 725 |
| Tier 1 risk-based capital ratio | 19.2679% | 1,862 |
| Total risk-based capital ratio | 20.5279% | 1,821 |
| Memoranda: | ||
| Average total assets | $143,434,330 | 3,789 |
| Average earning assets | $135,697,330 | 3,714 |
| Average equity | $20,861,670 | 3,077 |
| Average total loans | $100,557,000 | 3,446 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 994 |
| Cost of funding earning assets | 0.6933% | 1,289 |
| Net interest margin | 4.1333% | 1,382 |
| Noninterest income to average assets | 1.2040% | 762 |
| Noninterest expense to average assets | 3.0753% | 2,601 |
| Loan and lease loss provision to assets | 1.1512% | 96 |
| Net operating income to assets | 0.5366% | 4,521 |
| Return on assets (ROA) | 0.5366% | 4,593 |
| Pretax return on assets | 0.8731% | 3,818 |
| Return on Equity (ROE) | 3.7278% | 5,160 |
| Retained earnings to average equity (ytd only) | 3.7278% | 3,894 |
| Net charge-offs to loans | 2.4118% | 95 |
| Credit loss provision to net charge-offs | 67.9803% | 2,025 |
| Earnings coverage of net charge-offs (x) | 1.1954% | 3,149 |
| Efficiency ratio | 60.3053% | 5,358 |
| Assets per employee ($millions) | 5.1282% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 1,600 |
| Loan loss allowance to noncurrent loans | 48.1160% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 5.6696% | 325 |
| Noncurrent loans to loans | 4.0738% | 654 |
| Net loans and leases to total assets | 67.6106% | 2,279 |
| Net loans and leases to deposits | 80.4505% | 2,235 |
| Net loans and leases to core deposits | 86.0389% | 2,316 |
| Total domestic deposits to total assets | 84.0400% | 4,262 |
| Equity capital to assets | 14.4968% | 790 |
| Core capital (leverage) ratio | 13.8700% | 860 |
| Tier 1 risk-based capital ratio | 18.6539% | 2,072 |
| Total risk-based capital ratio | 19.9108% | 2,033 |
| Memoranda: | ||
| Average total assets | $143,855,500 | 3,808 |
| Average earning assets | $135,580,500 | 3,737 |
| Average equity | $20,709,500 | 3,094 |
| Average total loans | $101,004,000 | 3,447 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 737 |
| Cost of funding earning assets | 0.7967% | 1,228 |
| Net interest margin | 4.3300% | 1,036 |
| Noninterest income to average assets | -0.1589% | 6,744 |
| Noninterest expense to average assets | 2.9375% | 3,238 |
| Loan and lease loss provision to assets | 0.5295% | 514 |
| Net operating income to assets | 0.2938% | 5,544 |
| Return on assets (ROA) | 0.3035% | 5,607 |
| Pretax return on assets | 0.4433% | 5,380 |
| Return on Equity (ROE) | 2.1794% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.1794% | 4,696 |
| Net charge-offs to loans | 2.6262% | 108 |
| Credit loss provision to net charge-offs | 27.3684% | 4,303 |
| Earnings coverage of net charge-offs (x) | 0.4954% | 4,916 |
| Efficiency ratio | 75.3964% | 2,878 |
| Assets per employee ($millions) | 5.1472% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0741% | 1,385 |
| Loan loss allowance to noncurrent loans | 38.1769% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 6.8498% | 249 |
| Noncurrent loans to loans | 5.4328% | 422 |
| Net loans and leases to total assets | 69.9752% | 2,013 |
| Net loans and leases to deposits | 82.7649% | 2,100 |
| Net loans and leases to core deposits | 88.2318% | 2,225 |
| Total domestic deposits to total assets | 84.5470% | 3,944 |
| Equity capital to assets | 14.2956% | 828 |
| Core capital (leverage) ratio | 13.6276% | 919 |
| Tier 1 risk-based capital ratio | 17.8340% | 2,295 |
| Total risk-based capital ratio | 19.0923% | 2,262 |
| Memoranda: | ||
| Average total assets | $147,302,600 | 3,749 |
| Average earning assets | $137,943,600 | 3,697 |
| Average equity | $20,510,000 | 3,101 |
| Average total loans | $108,520,800 | 3,274 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 695 |
| Cost of funding earning assets | 0.8146% | 1,244 |
| Net interest margin | 4.3517% | 980 |
| Noninterest income to average assets | -0.1612% | 6,825 |
| Noninterest expense to average assets | 2.8683% | 3,416 |
| Loan and lease loss provision to assets | 0.6743% | 324 |
| Net operating income to assets | 0.2292% | 5,842 |
| Return on assets (ROA) | 0.2413% | 5,890 |
| Pretax return on assets | 0.3889% | 5,652 |
| Return on Equity (ROE) | 1.7442% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.7442% | 5,266 |
| Net charge-offs to loans | 2.2492% | 154 |
| Credit loss provision to net charge-offs | 40.3991% | 3,699 |
| Earnings coverage of net charge-offs (x) | 0.6257% | 4,647 |
| Efficiency ratio | 73.3088% | 3,173 |
| Assets per employee ($millions) | 5.1987% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9949% | 555 |
| Loan loss allowance to noncurrent loans | 33.0492% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 9.4130% | 156 |
| Noncurrent loans to loans | 9.0620% | 170 |
| Net loans and leases to total assets | 69.0232% | 2,139 |
| Net loans and leases to deposits | 81.5892% | 2,189 |
| Net loans and leases to core deposits | 86.9414% | 2,292 |
| Total domestic deposits to total assets | 84.5985% | 3,929 |
| Equity capital to assets | 14.0316% | 959 |
| Core capital (leverage) ratio | 13.2427% | 1,114 |
| Tier 1 risk-based capital ratio | 17.3421% | 2,564 |
| Total risk-based capital ratio | 18.6111% | 2,527 |
| Memoranda: | ||
| Average total assets | $148,098,000 | 3,776 |
| Average earning assets | $138,640,500 | 3,718 |
| Average equity | $20,486,750 | 3,140 |
| Average total loans | $109,904,750 | 3,272 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 653 |
| Cost of funding earning assets | 0.8331% | 1,242 |
| Net interest margin | 4.3520% | 932 |
| Noninterest income to average assets | -0.2712% | 6,882 |
| Noninterest expense to average assets | 2.7756% | 3,762 |
| Loan and lease loss provision to assets | 0.2498% | 1,490 |
| Net operating income to assets | 0.5064% | 4,774 |
| Return on assets (ROA) | 0.5250% | 4,858 |
| Pretax return on assets | 0.8003% | 4,310 |
| Return on Equity (ROE) | 3.8133% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.8133% | 3,872 |
| Net charge-offs to loans | 2.4604% | 155 |
| Credit loss provision to net charge-offs | 13.4978% | 3,847 |
| Earnings coverage of net charge-offs (x) | 0.5522% | 4,355 |
| Efficiency ratio | 73.0905% | 3,290 |
| Assets per employee ($millions) | 5.3545% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7680% | 735 |
| Loan loss allowance to noncurrent loans | 32.5451% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 9.0971% | 181 |
| Noncurrent loans to loans | 8.5052% | 222 |
| Net loans and leases to total assets | 70.6157% | 1,783 |
| Net loans and leases to deposits | 83.2222% | 1,897 |
| Net loans and leases to core deposits | 88.7020% | 2,034 |
| Total domestic deposits to total assets | 84.8520% | 3,964 |
| Equity capital to assets | 13.7594% | 1,029 |
| Core capital (leverage) ratio | 13.5607% | 953 |
| Tier 1 risk-based capital ratio | 17.2144% | 2,634 |
| Total risk-based capital ratio | 18.4808% | 2,597 |
| Memoranda: | ||
| Average total assets | $148,942,670 | 3,791 |
| Average earning assets | $139,246,330 | 3,735 |
| Average equity | $20,507,330 | 3,155 |
| Average total loans | $112,014,670 | 3,229 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 583 |
| Cost of funding earning assets | 0.8649% | 1,179 |
| Net interest margin | 4.3589% | 866 |
| Noninterest income to average assets | -0.3530% | 6,974 |
| Noninterest expense to average assets | 2.8562% | 3,517 |
| Loan and lease loss provision to assets | 0.0943% | 3,092 |
| Net operating income to assets | 0.4488% | 4,915 |
| Return on assets (ROA) | 0.4850% | 4,905 |
| Pretax return on assets | 0.8272% | 4,051 |
| Return on Equity (ROE) | 3.5214% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.5214% | 4,130 |
| Net charge-offs to loans | 0.2007% | 2,217 |
| Credit loss provision to net charge-offs | 61.4035% | 2,425 |
| Earnings coverage of net charge-offs (x) | 5.6316% | 2,344 |
| Efficiency ratio | 76.7560% | 2,803 |
| Assets per employee ($millions) | 5.3667% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7463% | 341 |
| Loan loss allowance to noncurrent loans | 34.3148% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 10.7029% | 166 |
| Noncurrent loans to loans | 10.9175% | 169 |
| Net loans and leases to total assets | 71.5387% | 1,426 |
| Net loans and leases to deposits | 84.3123% | 1,559 |
| Net loans and leases to core deposits | 91.8340% | 1,519 |
| Total domestic deposits to total assets | 84.8496% | 4,118 |
| Equity capital to assets | 13.6737% | 1,150 |
| Core capital (leverage) ratio | 13.4697% | 955 |
| Tier 1 risk-based capital ratio | 16.9596% | 2,767 |
| Total risk-based capital ratio | 18.2376% | 2,732 |
| Memoranda: | ||
| Average total assets | $148,450,500 | 3,839 |
| Average earning assets | $138,751,500 | 3,782 |
| Average equity | $20,446,500 | 3,202 |
| Average total loans | $113,579,000 | 3,216 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 709 |
| Cost of funding earning assets | 1.0562% | 1,091 |
| Net interest margin | 4.3790% | 1,204 |
| Noninterest income to average assets | 0.0627% | 6,648 |
| Noninterest expense to average assets | 2.8185% | 3,953 |
| Loan and lease loss provision to assets | 0.2700% | 2,488 |
| Net operating income to assets | 1.0186% | 2,260 |
| Return on assets (ROA) | 1.0186% | 2,471 |
| Pretax return on assets | 1.0426% | 3,387 |
| Return on Equity (ROE) | 7.8399% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.8399% | 1,177 |
| Net charge-offs to loans | 0.7989% | 1,464 |
| Credit loss provision to net charge-offs | 44.0217% | 4,840 |
| Earnings coverage of net charge-offs (x) | 2.1402% | 4,342 |
| Efficiency ratio | 68.2266% | 4,102 |
| Assets per employee ($millions) | 5.0563% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6423% | 380 |
| Loan loss allowance to noncurrent loans | 33.9934% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 11.3746% | 167 |
| Noncurrent loans to loans | 10.7149% | 197 |
| Net loans and leases to total assets | 75.8821% | 929 |
| Net loans and leases to deposits | 89.6499% | 1,103 |
| Net loans and leases to core deposits | 98.1849% | 1,133 |
| Total domestic deposits to total assets | 84.6427% | 4,018 |
| Equity capital to assets | 13.8754% | 1,093 |
| Core capital (leverage) ratio | 13.4844% | 953 |
| Tier 1 risk-based capital ratio | 16.3585% | 2,960 |
| Total risk-based capital ratio | 17.6356% | 2,904 |
| Memoranda: | ||
| Average total assets | $150,008,400 | 3,772 |
| Average earning assets | $139,370,600 | 3,736 |
| Average equity | $19,490,000 | 3,259 |
| Average total loans | $115,152,000 | 3,185 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 654 |
| Cost of funding earning assets | 1.0946% | 1,079 |
| Net interest margin | 4.4242% | 1,153 |
| Noninterest income to average assets | 0.6399% | 3,046 |
| Noninterest expense to average assets | 3.2614% | 2,383 |
| Loan and lease loss provision to assets | 0.3173% | 2,081 |
| Net operating income to assets | 0.7239% | 3,805 |
| Return on assets (ROA) | 0.7239% | 4,053 |
| Pretax return on assets | 1.1658% | 3,107 |
| Return on Equity (ROE) | 5.6649% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.6649% | 2,916 |
| Net charge-offs to loans | 0.4646% | 2,246 |
| Credit loss provision to net charge-offs | 89.5262% | 3,312 |
| Earnings coverage of net charge-offs (x) | 4.1846% | 3,373 |
| Efficiency ratio | 68.7407% | 3,923 |
| Assets per employee ($millions) | 4.7860% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0590% | 293 |
| Loan loss allowance to noncurrent loans | 53.9304% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 9.1733% | 294 |
| Noncurrent loans to loans | 7.5263% | 443 |
| Net loans and leases to total assets | 74.5439% | 1,165 |
| Net loans and leases to deposits | 87.5627% | 1,408 |
| Net loans and leases to core deposits | 95.7898% | 1,427 |
| Total domestic deposits to total assets | 85.1319% | 3,691 |
| Equity capital to assets | 13.3360% | 1,420 |
| Core capital (leverage) ratio | 13.0762% | 1,159 |
| Tier 1 risk-based capital ratio | 15.9733% | 3,278 |
| Total risk-based capital ratio | 17.2556% | 3,225 |
| Memoranda: | ||
| Average total assets | $150,852,000 | 3,805 |
| Average earning assets | $139,954,500 | 3,767 |
| Average equity | $19,276,000 | 3,323 |
| Average total loans | $115,071,250 | 3,218 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5314% | 674 |
| Cost of funding earning assets | 1.1487% | 1,035 |
| Net interest margin | 4.3827% | 1,251 |
| Noninterest income to average assets | 0.6711% | 2,825 |
| Noninterest expense to average assets | 3.3768% | 2,086 |
| Loan and lease loss provision to assets | 0.0963% | 4,335 |
| Net operating income to assets | 0.7753% | 3,486 |
| Return on assets (ROA) | 0.7753% | 3,756 |
| Pretax return on assets | 1.2579% | 2,698 |
| Return on Equity (ROE) | 6.1551% | 4,242 |
| Retained earnings to average equity (ytd only) | 6.1551% | 2,605 |
| Net charge-offs to loans | 1.0017% | 1,107 |
| Credit loss provision to net charge-offs | 12.6736% | 4,704 |
| Earnings coverage of net charge-offs (x) | 1.7830% | 4,089 |
| Efficiency ratio | 71.3768% | 3,538 |
| Assets per employee ($millions) | 4.7977% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7132% | 422 |
| Loan loss allowance to noncurrent loans | 48.6449% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 8.8039% | 356 |
| Noncurrent loans to loans | 7.6332% | 465 |
| Net loans and leases to total assets | 73.5418% | 1,324 |
| Net loans and leases to deposits | 85.8682% | 1,618 |
| Net loans and leases to core deposits | 94.2329% | 1,579 |
| Total domestic deposits to total assets | 85.6450% | 3,538 |
| Equity capital to assets | 13.0613% | 1,489 |
| Core capital (leverage) ratio | 12.5289% | 1,340 |
| Tier 1 risk-based capital ratio | 15.7799% | 3,287 |
| Total risk-based capital ratio | 17.0581% | 3,233 |
| Memoranda: | ||
| Average total assets | $151,681,000 | 3,809 |
| Average earning assets | $140,507,330 | 3,776 |
| Average equity | $19,106,000 | 3,342 |
| Average total loans | $115,003,000 | 3,237 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 710 |
| Cost of funding earning assets | 1.2172% | 910 |
| Net interest margin | 4.3212% | 1,402 |
| Noninterest income to average assets | 1.0551% | 1,294 |
| Noninterest expense to average assets | 3.3456% | 2,156 |
| Loan and lease loss provision to assets | 0.1201% | 3,846 |
| Net operating income to assets | 0.9402% | 2,747 |
| Return on assets (ROA) | 0.9402% | 2,950 |
| Pretax return on assets | 1.5670% | 1,676 |
| Return on Equity (ROE) | 7.6005% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.6005% | 2,124 |
| Net charge-offs to loans | 1.0544% | 981 |
| Credit loss provision to net charge-offs | 15.0820% | 3,837 |
| Earnings coverage of net charge-offs (x) | 2.1180% | 3,308 |
| Efficiency ratio | 66.4764% | 4,467 |
| Assets per employee ($millions) | 5.0713% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9324% | 391 |
| Loan loss allowance to noncurrent loans | 46.9092% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 9.6891% | 321 |
| Noncurrent loans to loans | 8.3829% | 440 |
| Net loans and leases to total assets | 71.6491% | 1,464 |
| Net loans and leases to deposits | 83.8051% | 1,687 |
| Net loans and leases to core deposits | 94.1152% | 1,459 |
| Total domestic deposits to total assets | 85.4949% | 3,792 |
| Equity capital to assets | 12.5792% | 1,672 |
| Core capital (leverage) ratio | 12.3914% | 1,389 |
| Tier 1 risk-based capital ratio | 15.7746% | 3,302 |
| Total risk-based capital ratio | 17.0548% | 3,250 |
| Memoranda: | ||
| Average total assets | $153,157,000 | 3,818 |
| Average earning assets | $140,978,000 | 3,794 |
| Average equity | $18,946,000 | 3,356 |
| Average total loans | $115,706,500 | 3,238 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 1,590 |
| Cost of funding earning assets | 1.6167% | 446 |
| Net interest margin | 3.7245% | 4,178 |
| Noninterest income to average assets | -0.0036% | 7,002 |
| Noninterest expense to average assets | 3.1314% | 3,091 |
| Loan and lease loss provision to assets | 0.8843% | 1,091 |
| Net operating income to assets | -0.4201% | 6,432 |
| Return on assets (ROA) | -0.7332% | 6,654 |
| Pretax return on assets | -1.0426% | 6,749 |
| Return on Equity (ROE) | -6.3364% | 6,601 |
| Retained earnings to average equity (ytd only) | -6.3364% | 6,531 |
| Net charge-offs to loans | 1.8665% | 773 |
| Credit loss provision to net charge-offs | 64.4581% | 5,044 |
| Earnings coverage of net charge-offs (x) | 0.2106% | 5,672 |
| Efficiency ratio | 91.5523% | 1,072 |
| Assets per employee ($millions) | 5.1391% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0027% | 385 |
| Loan loss allowance to noncurrent loans | 44.8125% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 10.3163% | 309 |
| Noncurrent loans to loans | 8.9322% | 398 |
| Net loans and leases to total assets | 73.4385% | 1,368 |
| Net loans and leases to deposits | 85.3946% | 1,747 |
| Net loans and leases to core deposits | 100.7851% | 1,109 |
| Total domestic deposits to total assets | 85.9989% | 3,325 |
| Equity capital to assets | 12.1642% | 1,999 |
| Core capital (leverage) ratio | 11.3960% | 1,973 |
| Tier 1 risk-based capital ratio | 14.6584% | 3,862 |
| Total risk-based capital ratio | 15.9411% | 3,819 |
| Memoranda: | ||
| Average total assets | $166,122,000 | 3,554 |
| Average earning assets | $152,719,800 | 3,538 |
| Average equity | $19,222,400 | 3,251 |
| Average total loans | $122,099,200 | 3,135 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 1,838 |
| Cost of funding earning assets | 1.6544% | 464 |
| Net interest margin | 3.6501% | 4,563 |
| Noninterest income to average assets | -0.0639% | 7,177 |
| Noninterest expense to average assets | 2.9992% | 3,555 |
| Loan and lease loss provision to assets | 0.6520% | 1,506 |
| Net operating income to assets | -0.2069% | 6,391 |
| Return on assets (ROA) | -0.5819% | 6,728 |
| Pretax return on assets | -0.9453% | 6,855 |
| Return on Equity (ROE) | -5.0879% | 6,679 |
| Retained earnings to average equity (ytd only) | -5.0879% | 6,599 |
| Net charge-offs to loans | 2.4936% | 438 |
| Credit loss provision to net charge-offs | 35.9097% | 5,326 |
| Earnings coverage of net charge-offs (x) | 0.1611% | 5,487 |
| Efficiency ratio | 91.1138% | 1,098 |
| Assets per employee ($millions) | 5.4383% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4685% | 581 |
| Loan loss allowance to noncurrent loans | 44.9557% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 9.0789% | 434 |
| Noncurrent loans to loans | 7.7153% | 593 |
| Net loans and leases to total assets | 69.1740% | 2,245 |
| Net loans and leases to deposits | 80.8644% | 2,550 |
| Net loans and leases to core deposits | 96.2237% | 1,586 |
| Total domestic deposits to total assets | 85.5432% | 3,465 |
| Equity capital to assets | 11.9873% | 2,260 |
| Core capital (leverage) ratio | 11.5085% | 2,021 |
| Tier 1 risk-based capital ratio | 15.4288% | 3,424 |
| Total risk-based capital ratio | 16.7050% | 3,385 |
| Memoranda: | ||
| Average total assets | $169,109,000 | 3,535 |
| Average earning assets | $155,460,000 | 3,510 |
| Average equity | $19,339,500 | 3,237 |
| Average total loans | $123,138,000 | 3,143 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2747% | 1,981 |
| Cost of funding earning assets | 1.7409% | 403 |
| Net interest margin | 3.5338% | 4,999 |
| Noninterest income to average assets | 0.1882% | 6,320 |
| Noninterest expense to average assets | 3.2333% | 2,795 |
| Loan and lease loss provision to assets | 0.9679% | 915 |
| Net operating income to assets | -0.5420% | 6,724 |
| Return on assets (ROA) | -0.9819% | 6,944 |
| Pretax return on assets | -1.3793% | 7,025 |
| Return on Equity (ROE) | -8.7196% | 6,892 |
| Retained earnings to average equity (ytd only) | -8.7196% | 6,807 |
| Net charge-offs to loans | 3.5555% | 250 |
| Credit loss provision to net charge-offs | 37.1968% | 4,867 |
| Earnings coverage of net charge-offs (x) | 0.0800% | 5,227 |
| Efficiency ratio | 93.9538% | 980 |
| Assets per employee ($millions) | 5.4820% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5095% | 592 |
| Loan loss allowance to noncurrent loans | 36.0080% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 11.5803% | 281 |
| Noncurrent loans to loans | 9.7465% | 403 |
| Net loans and leases to total assets | 69.0940% | 2,396 |
| Net loans and leases to deposits | 80.0124% | 2,795 |
| Net loans and leases to core deposits | 97.0202% | 1,579 |
| Total domestic deposits to total assets | 86.3541% | 3,127 |
| Equity capital to assets | 11.6727% | 2,348 |
| Core capital (leverage) ratio | 11.4528% | 1,944 |
| Tier 1 risk-based capital ratio | 15.4612% | 3,273 |
| Total risk-based capital ratio | 16.7374% | 3,196 |
| Memoranda: | ||
| Average total assets | $171,096,000 | 3,509 |
| Average earning assets | $157,507,670 | 3,497 |
| Average equity | $19,267,000 | 3,233 |
| Average total loans | $125,213,670 | 3,118 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2876% | 1,903 |
| Cost of funding earning assets | 1.8154% | 351 |
| Net interest margin | 3.4723% | 5,137 |
| Noninterest income to average assets | -0.1193% | 7,391 |
| Noninterest expense to average assets | 3.9401% | 1,117 |
| Loan and lease loss provision to assets | 0.6949% | 1,214 |
| Net operating income to assets | -1.2682% | 7,124 |
| Return on assets (ROA) | -1.2682% | 7,129 |
| Pretax return on assets | -1.5389% | 7,174 |
| Return on Equity (ROE) | -11.4600% | 7,064 |
| Retained earnings to average equity (ytd only) | -11.4600% | 6,925 |
| Net charge-offs to loans | 1.6783% | 789 |
| Credit loss provision to net charge-offs | 56.0074% | 3,625 |
| Earnings coverage of net charge-offs (x) | -0.6802% | 4,844 |
| Efficiency ratio | 127.2593% | 281 |
| Assets per employee ($millions) | 5.1060% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2226% | 365 |
| Loan loss allowance to noncurrent loans | 50.0284% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 9.5609% | 439 |
| Noncurrent loans to loans | 8.4404% | 562 |
| Net loans and leases to total assets | 71.2503% | 1,871 |
| Net loans and leases to deposits | 81.8065% | 2,396 |
| Net loans and leases to core deposits | 94.4282% | 1,841 |
| Total domestic deposits to total assets | 87.0961% | 2,894 |
| Equity capital to assets | 11.3591% | 2,373 |
| Core capital (leverage) ratio | 11.0664% | 2,137 |
| Tier 1 risk-based capital ratio | 14.6985% | 3,613 |
| Total risk-based capital ratio | 15.9826% | 3,547 |
| Memoranda: | ||
| Average total assets | $174,414,000 | 3,476 |
| Average earning assets | $161,509,000 | 3,435 |
| Average equity | $19,302,000 | 3,222 |
| Average total loans | $128,938,000 | 3,086 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4640% | 2,419 |
| Cost of funding earning assets | 2.0685% | 475 |
| Net interest margin | 3.3955% | 5,650 |
| Noninterest income to average assets | 0.4291% | 4,681 |
| Noninterest expense to average assets | 2.6740% | 5,109 |
| Loan and lease loss provision to assets | 2.7280% | 382 |
| Net operating income to assets | -1.4207% | 6,886 |
| Return on assets (ROA) | -1.4207% | 6,901 |
| Pretax return on assets | -1.7942% | 6,958 |
| Return on Equity (ROE) | -13.8445% | 6,876 |
| Retained earnings to average equity (ytd only) | -13.8445% | 6,833 |
| Net charge-offs to loans | 1.3605% | 1,644 |
| Credit loss provision to net charge-offs | 257.6483% | 1,095 |
| Earnings coverage of net charge-offs (x) | 0.8819% | 5,243 |
| Efficiency ratio | 74.1182% | 3,376 |
| Assets per employee ($millions) | 5.4645% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1735% | 347 |
| Loan loss allowance to noncurrent loans | 49.7035% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 9.4926% | 454 |
| Noncurrent loans to loans | 8.3968% | 593 |
| Net loans and leases to total assets | 70.4246% | 2,425 |
| Net loans and leases to deposits | 81.8780% | 2,832 |
| Net loans and leases to core deposits | 94.1353% | 2,241 |
| Total domestic deposits to total assets | 86.0117% | 3,352 |
| Equity capital to assets | 10.7936% | 2,864 |
| Core capital (leverage) ratio | 11.0963% | 2,085 |
| Tier 1 risk-based capital ratio | 14.3482% | 3,648 |
| Total risk-based capital ratio | 15.6317% | 3,581 |
| Memoranda: | ||
| Average total assets | $181,526,800 | 3,352 |
| Average earning assets | $169,929,000 | 3,281 |
| Average equity | $18,628,400 | 3,329 |
| Average total loans | $141,275,400 | 2,922 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 2,323 |
| Cost of funding earning assets | 2.1214% | 503 |
| Net interest margin | 3.4090% | 5,637 |
| Noninterest income to average assets | 0.4876% | 4,282 |
| Noninterest expense to average assets | 2.6090% | 5,287 |
| Loan and lease loss provision to assets | 3.5190% | 205 |
| Net operating income to assets | -2.4587% | 7,340 |
| Return on assets (ROA) | -2.4587% | 7,353 |
| Pretax return on assets | -2.4389% | 7,306 |
| Return on Equity (ROE) | -24.2707% | 7,303 |
| Retained earnings to average equity (ytd only) | -24.2707% | 7,292 |
| Net charge-offs to loans | 1.2732% | 1,603 |
| Credit loss provision to net charge-offs | 350.2920% | 899 |
| Earnings coverage of net charge-offs (x) | 1.0752% | 4,979 |
| Efficiency ratio | 70.7215% | 3,932 |
| Assets per employee ($millions) | 5.4791% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2921% | 284 |
| Loan loss allowance to noncurrent loans | 47.1833% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 9.0067% | 502 |
| Noncurrent loans to loans | 9.0966% | 521 |
| Net loans and leases to total assets | 73.1330% | 1,991 |
| Net loans and leases to deposits | 84.7168% | 2,573 |
| Net loans and leases to core deposits | 97.5479% | 2,088 |
| Total domestic deposits to total assets | 86.3265% | 2,897 |
| Equity capital to assets | 10.4099% | 3,627 |
| Core capital (leverage) ratio | 10.6771% | 2,528 |
| Tier 1 risk-based capital ratio | 13.7478% | 4,022 |
| Total risk-based capital ratio | 15.0353% | 3,950 |
| Memoranda: | ||
| Average total assets | $181,826,250 | 3,398 |
| Average earning assets | $170,761,000 | 3,308 |
| Average equity | $18,419,500 | 3,406 |
| Average total loans | $143,462,500 | 2,915 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5282% | 2,408 |
| Cost of funding earning assets | 2.1755% | 504 |
| Net interest margin | 3.3527% | 5,825 |
| Noninterest income to average assets | 0.5907% | 3,407 |
| Noninterest expense to average assets | 2.4824% | 5,783 |
| Loan and lease loss provision to assets | 4.8692% | 113 |
| Net operating income to assets | -3.6319% | 7,590 |
| Return on assets (ROA) | -3.6319% | 7,595 |
| Pretax return on assets | -3.6121% | 7,561 |
| Return on Equity (ROE) | -36.1820% | 7,499 |
| Retained earnings to average equity (ytd only) | -36.1820% | 7,489 |
| Net charge-offs to loans | 1.4501% | 1,315 |
| Credit loss provision to net charge-offs | 421.1776% | 866 |
| Earnings coverage of net charge-offs (x) | 1.0874% | 4,706 |
| Efficiency ratio | 66.3829% | 4,913 |
| Assets per employee ($millions) | 5.4172% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1995% | 316 |
| Loan loss allowance to noncurrent loans | 42.0755% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 9.9577% | 408 |
| Noncurrent loans to loans | 9.9809% | 445 |
| Net loans and leases to total assets | 75.0720% | 1,676 |
| Net loans and leases to deposits | 87.8488% | 2,198 |
| Net loans and leases to core deposits | 98.3388% | 2,192 |
| Total domestic deposits to total assets | 85.4559% | 3,389 |
| Equity capital to assets | 10.6289% | 3,243 |
| Core capital (leverage) ratio | 10.6429% | 2,506 |
| Tier 1 risk-based capital ratio | 13.3365% | 4,177 |
| Total risk-based capital ratio | 14.6215% | 4,119 |
| Memoranda: | ||
| Average total assets | $182,165,330 | 3,413 |
| Average earning assets | $171,086,670 | 3,323 |
| Average equity | $18,285,330 | 3,417 |
| Average total loans | $145,229,670 | 2,916 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 2,869 |
| Cost of funding earning assets | 2.1875% | 609 |
| Net interest margin | 3.2513% | 6,127 |
| Noninterest income to average assets | 0.5722% | 3,477 |
| Noninterest expense to average assets | 2.3278% | 6,310 |
| Loan and lease loss provision to assets | 9.4983% | 35 |
| Net operating income to assets | -8.2147% | 7,871 |
| Return on assets (ROA) | -8.2147% | 7,873 |
| Pretax return on assets | -8.1952% | 7,866 |
| Return on Equity (ROE) | -84.2505% | 7,804 |
| Retained earnings to average equity (ytd only) | -84.2505% | 7,800 |
| Net charge-offs to loans | 2.5656% | 632 |
| Credit loss provision to net charge-offs | 460.5485% | 915 |
| Earnings coverage of net charge-offs (x) | 0.6319% | 4,462 |
| Efficiency ratio | 64.1102% | 5,473 |
| Assets per employee ($millions) | 5.1587% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0676% | 353 |
| Loan loss allowance to noncurrent loans | 44.0730% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 9.0509% | 490 |
| Noncurrent loans to loans | 9.2293% | 512 |
| Net loans and leases to total assets | 77.3145% | 1,281 |
| Net loans and leases to deposits | 89.9708% | 1,907 |
| Net loans and leases to core deposits | 107.6341% | 1,449 |
| Total domestic deposits to total assets | 85.9329% | 3,191 |
| Equity capital to assets | 10.2627% | 3,519 |
| Core capital (leverage) ratio | 10.1394% | 2,993 |
| Tier 1 risk-based capital ratio | 12.7063% | 4,552 |
| Total risk-based capital ratio | 13.9903% | 4,487 |
| Memoranda: | ||
| Average total assets | $183,864,500 | 3,445 |
| Average earning assets | $172,979,000 | 3,353 |
| Average equity | $17,927,500 | 3,498 |
| Average total loans | $147,801,000 | 2,932 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8921% | 2,272 |
| Cost of funding earning assets | 2.6255% | 722 |
| Net interest margin | 3.2666% | 5,867 |
| Noninterest income to average assets | 0.2737% | 6,154 |
| Noninterest expense to average assets | 2.3963% | 6,481 |
| Loan and lease loss provision to assets | 2.5674% | 765 |
| Net operating income to assets | -0.9807% | 6,566 |
| Return on assets (ROA) | -0.9807% | 6,568 |
| Pretax return on assets | -1.5966% | 6,757 |
| Return on Equity (ROE) | -10.0538% | 6,628 |
| Retained earnings to average equity (ytd only) | -10.0538% | 6,525 |
| Net charge-offs to loans | 3.5059% | 550 |
| Credit loss provision to net charge-offs | 89.7877% | 6,005 |
| Earnings coverage of net charge-offs (x) | 0.3395% | 5,777 |
| Efficiency ratio | 71.1688% | 4,416 |
| Assets per employee ($millions) | 5.3478% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 3,023 |
| Loan loss allowance to noncurrent loans | 19.4222% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 8.1347% | 541 |
| Noncurrent loans to loans | 8.5797% | 559 |
| Net loans and leases to total assets | 78.8500% | 1,214 |
| Net loans and leases to deposits | 90.5624% | 2,131 |
| Net loans and leases to core deposits | 143.6612% | 688 |
| Total domestic deposits to total assets | 87.0670% | 2,463 |
| Equity capital to assets | 9.2561% | 4,761 |
| Core capital (leverage) ratio | 9.0272% | 4,377 |
| Tier 1 risk-based capital ratio | 11.3681% | 5,546 |
| Total risk-based capital ratio | 12.6225% | 5,492 |
| Memoranda: | ||
| Average total assets | $191,090,200 | 3,276 |
| Average earning assets | $180,954,400 | 3,209 |
| Average equity | $18,639,800 | 3,404 |
| Average total loans | $155,849,400 | 2,835 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9122% | 2,397 |
| Cost of funding earning assets | 2.6145% | 993 |
| Net interest margin | 3.2977% | 5,650 |
| Noninterest income to average assets | 0.2791% | 6,239 |
| Noninterest expense to average assets | 2.4789% | 6,147 |
| Loan and lease loss provision to assets | 1.9020% | 965 |
| Net operating income to assets | -0.6518% | 6,567 |
| Return on assets (ROA) | -0.6518% | 6,576 |
| Pretax return on assets | -0.9725% | 6,659 |
| Return on Equity (ROE) | -6.6003% | 6,624 |
| Retained earnings to average equity (ytd only) | -6.6003% | 6,463 |
| Net charge-offs to loans | 3.0423% | 538 |
| Credit loss provision to net charge-offs | 76.3444% | 5,856 |
| Earnings coverage of net charge-offs (x) | 0.3731% | 5,650 |
| Efficiency ratio | 72.7291% | 4,095 |
| Assets per employee ($millions) | 5.3823% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 3,767 |
| Loan loss allowance to noncurrent loans | 24.1821% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 6.1397% | 860 |
| Noncurrent loans to loans | 5.9288% | 1,003 |
| Net loans and leases to total assets | 80.6526% | 1,051 |
| Net loans and leases to deposits | 93.2265% | 2,018 |
| Net loans and leases to core deposits | 148.5931% | 610 |
| Total domestic deposits to total assets | 86.5125% | 2,417 |
| Equity capital to assets | 9.7324% | 4,448 |
| Core capital (leverage) ratio | 9.5403% | 3,856 |
| Tier 1 risk-based capital ratio | 11.6998% | 5,246 |
| Total risk-based capital ratio | 12.9360% | 5,206 |
| Memoranda: | ||
| Average total assets | $192,069,500 | 3,290 |
| Average earning assets | $182,262,750 | 3,212 |
| Average equity | $18,968,500 | 3,376 |
| Average total loans | $157,290,000 | 2,837 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0157% | 2,126 |
| Cost of funding earning assets | 2.6542% | 1,151 |
| Net interest margin | 3.3615% | 5,311 |
| Noninterest income to average assets | 0.3063% | 6,063 |
| Noninterest expense to average assets | 2.3694% | 6,558 |
| Loan and lease loss provision to assets | 1.8541% | 883 |
| Net operating income to assets | -0.4935% | 6,542 |
| Return on assets (ROA) | -0.4935% | 6,552 |
| Pretax return on assets | -0.7305% | 6,624 |
| Return on Equity (ROE) | -4.9739% | 6,605 |
| Retained earnings to average equity (ytd only) | -4.9739% | 6,297 |
| Net charge-offs to loans | 3.3700% | 469 |
| Credit loss provision to net charge-offs | 67.1664% | 5,468 |
| Earnings coverage of net charge-offs (x) | 0.4070% | 5,283 |
| Efficiency ratio | 67.8318% | 5,185 |
| Assets per employee ($millions) | 5.6335% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 3,784 |
| Loan loss allowance to noncurrent loans | 44.7887% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 3.3945% | 1,846 |
| Noncurrent loans to loans | 3.1017% | 2,308 |
| Net loans and leases to total assets | 78.5887% | 1,618 |
| Net loans and leases to deposits | 92.2796% | 2,416 |
| Net loans and leases to core deposits | 144.2945% | 827 |
| Total domestic deposits to total assets | 85.1637% | 3,182 |
| Equity capital to assets | 9.5242% | 4,582 |
| Core capital (leverage) ratio | 9.8215% | 3,489 |
| Tier 1 risk-based capital ratio | 11.2265% | 5,665 |
| Total risk-based capital ratio | 12.3944% | 5,644 |
| Memoranda: | ||
| Average total assets | $193,298,670 | 3,302 |
| Average earning assets | $183,254,000 | 3,223 |
| Average equity | $19,180,000 | 3,368 |
| Average total loans | $158,338,330 | 2,849 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0835% | 2,002 |
| Cost of funding earning assets | 2.6552% | 1,393 |
| Net interest margin | 3.4283% | 5,019 |
| Noninterest income to average assets | 0.3365% | 5,763 |
| Noninterest expense to average assets | 2.1843% | 6,909 |
| Loan and lease loss provision to assets | 1.2646% | 1,010 |
| Net operating income to assets | 0.1066% | 5,962 |
| Return on assets (ROA) | 0.1066% | 6,126 |
| Pretax return on assets | 0.1317% | 6,097 |
| Return on Equity (ROE) | 1.0526% | 6,109 |
| Retained earnings to average equity (ytd only) | 1.0526% | 5,222 |
| Net charge-offs to loans | 3.7801% | 321 |
| Credit loss provision to net charge-offs | 40.2796% | 4,818 |
| Earnings coverage of net charge-offs (x) | 0.4447% | 4,635 |
| Efficiency ratio | 61.0041% | 6,253 |
| Assets per employee ($millions) | 5.4997% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 3,654 |
| Loan loss allowance to noncurrent loans | 52.6932% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 3.2682% | 1,682 |
| Noncurrent loans to loans | 2.6049% | 2,532 |
| Net loans and leases to total assets | 80.7050% | 1,256 |
| Net loans and leases to deposits | 96.3680% | 1,891 |
| Net loans and leases to core deposits | 149.2119% | 734 |
| Total domestic deposits to total assets | 83.7467% | 3,826 |
| Equity capital to assets | 10.0836% | 3,896 |
| Core capital (leverage) ratio | 10.0877% | 3,306 |
| Tier 1 risk-based capital ratio | 12.1281% | 4,841 |
| Total risk-based capital ratio | 13.3792% | 4,743 |
| Memoranda: | ||
| Average total assets | $191,362,000 | 3,345 |
| Average earning assets | $181,079,500 | 3,263 |
| Average equity | $19,380,500 | 3,367 |
| Average total loans | $158,938,500 | 2,866 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0842% | 940 |
| Cost of funding earning assets | 3.3146% | 882 |
| Net interest margin | 3.7696% | 4,141 |
| Noninterest income to average assets | 0.5160% | 4,501 |
| Noninterest expense to average assets | 2.2259% | 6,908 |
| Loan and lease loss provision to assets | 1.6066% | 818 |
| Net operating income to assets | 0.2660% | 5,659 |
| Return on assets (ROA) | 0.2816% | 5,414 |
| Pretax return on assets | 0.3101% | 5,491 |
| Return on Equity (ROE) | 2.7370% | 5,329 |
| Retained earnings to average equity (ytd only) | -0.6149% | 5,477 |
| Net charge-offs to loans | 1.8553% | 592 |
| Credit loss provision to net charge-offs | 104.6268% | 5,111 |
| Earnings coverage of net charge-offs (x) | 1.2371% | 5,508 |
| Efficiency ratio | 53.9535% | 7,272 |
| Assets per employee ($millions) | 5.4353% | 1,508 |
| Cash dividends to net income (ytd only)* | 122.4678% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 1,398 |
| Loan loss allowance to noncurrent loans | 71.9934% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 3.0462% | 1,507 |
| Noncurrent loans to loans | 2.6496% | 2,045 |
| Net loans and leases to total assets | 82.6913% | 1,103 |
| Net loans and leases to deposits | 98.6541% | 2,028 |
| Net loans and leases to core deposits | 153.9479% | 716 |
| Total domestic deposits to total assets | 83.8194% | 3,418 |
| Equity capital to assets | 10.1722% | 3,839 |
| Core capital (leverage) ratio | 10.0941% | 3,361 |
| Tier 1 risk-based capital ratio | 11.9972% | 4,834 |
| Total risk-based capital ratio | 13.2567% | 4,705 |
| Memoranda: | ||
| Average total assets | $192,824,000 | 3,231 |
| Average earning assets | $184,635,200 | 3,124 |
| Average equity | $19,839,400 | 3,256 |
| Average total loans | $159,595,000 | 2,773 |