Home > The Brattleboro Savings and Loan Association > Performance and Condition Ratios
The Brattleboro Savings and Loan Association, 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 | 4.3220% | 3,406 |
| Cost of funding earning assets | 0.7186% | 3,901 |
| Net interest margin | 3.6034% | 1,960 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.1845% | 843 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8067% | 2,850 |
| Return on assets (ROA) | 0.8435% | 2,703 |
| Pretax return on assets | 1.0475% | 2,542 |
| Return on Equity (ROE) | 9.8400% | 2,547 |
| Retained earnings to average equity (ytd only) | 9.8366% | 1,060 |
| Net charge-offs to loans | 0.0229% | 1,866 |
| Credit loss provision to net charge-offs | 245.4545% | 1,083 |
| Earnings coverage of net charge-offs (x) | 70.1818% | 1,091 |
| Efficiency ratio | 74.9392% | 1,356 |
| Assets per employee ($millions) | 5.4847% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 2,463 |
| Loan loss allowance to noncurrent loans | 2,607.8652% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 3,450 |
| Noncurrent loans to loans | 0.0448% | 3,399 |
| Net loans and leases to total assets | 68.8000% | 1,946 |
| Net loans and leases to deposits | 76.6947% | 2,379 |
| Net loans and leases to core deposits | 78.8177% | 2,774 |
| Total domestic deposits to total assets | 89.7000% | 843 |
| Equity capital to assets | 9.1538% | 2,575 |
| Core capital (leverage) ratio | 8.6905% | 3,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6032% | 1,158 |
| Memoranda: | ||
| Average total assets | $290,219,400 | 2,471 |
| Average earning assets | $272,189,400 | 2,451 |
| Average equity | $24,886,600 | 2,527 |
| Average total loans | $192,482,200 | 2,343 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,375 |
| Cost of funding earning assets | 0.6333% | 3,914 |
| Net interest margin | 3.6165% | 1,957 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 3.1494% | 873 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8690% | 2,798 |
| Return on assets (ROA) | 0.9167% | 2,613 |
| Pretax return on assets | 1.1550% | 2,403 |
| Return on Equity (ROE) | 10.8700% | 2,411 |
| Retained earnings to average equity (ytd only) | 10.8697% | 1,181 |
| Net charge-offs to loans | 0.0342% | 1,398 |
| Credit loss provision to net charge-offs | 14.2857% | 2,023 |
| Earnings coverage of net charge-offs (x) | 50.1837% | 1,314 |
| Efficiency ratio | 73.6622% | 1,390 |
| Assets per employee ($millions) | 5.8934% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 2,675 |
| Loan loss allowance to noncurrent loans | 4,257.6923% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,649 |
| Noncurrent loans to loans | 0.0268% | 3,579 |
| Net loans and leases to total assets | 67.8900% | 2,053 |
| Net loans and leases to deposits | 75.7163% | 2,438 |
| Net loans and leases to core deposits | 77.7644% | 2,753 |
| Total domestic deposits to total assets | 89.6600% | 1,028 |
| Equity capital to assets | 9.0093% | 2,408 |
| Core capital (leverage) ratio | 8.5320% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4920% | 1,203 |
| Memoranda: | ||
| Average total assets | $291,473,000 | 2,470 |
| Average earning assets | $273,038,750 | 2,457 |
| Average equity | $24,581,500 | 2,535 |
| Average total loans | $190,968,750 | 2,352 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 28,468.0000% | 18 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 35,948.0000% | 24 |
| Cost of funding earning assets | 2.0000% | 492 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.9982% | 2,419 |
| Pretax return on assets | 1.2584% | 2,195 |
| Return on Equity (ROE) | 12.1000% | 2,125 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 0.0775% | 4,629 |
| Assets per employee ($millions) | 0.1054% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 31.0000% | 4,549 |
| Equity capital to assets | 25,933.0000% | 18 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $-24,000 | 4,665 |
| Average earning assets | $16,401 | 4,605 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 3,290 |
| Cost of funding earning assets | 0.4077% | 3,951 |
| Net interest margin | 3.6722% | 1,962 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 3.1140% | 912 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8591% | 2,993 |
| Return on assets (ROA) | 0.8591% | 2,940 |
| Pretax return on assets | 1.0826% | 2,759 |
| Return on Equity (ROE) | 10.7200% | 2,572 |
| Retained earnings to average equity (ytd only) | 10.7228% | 1,534 |
| Net charge-offs to loans | -0.0042% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9352% | 1,349 |
| Assets per employee ($millions) | 5.7684% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,480 |
| Loan loss allowance to noncurrent loans | 12,026.3158% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,816 |
| Noncurrent loans to loans | 0.0101% | 3,752 |
| Net loans and leases to total assets | 64.4300% | 2,211 |
| Net loans and leases to deposits | 71.1970% | 2,530 |
| Net loans and leases to core deposits | 71.8028% | 2,834 |
| Total domestic deposits to total assets | 90.4900% | 984 |
| Equity capital to assets | 8.4395% | 2,942 |
| Core capital (leverage) ratio | 7.5824% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3411% | 1,303 |
| Memoranda: | ||
| Average total assets | $298,906,000 | 2,480 |
| Average earning assets | $280,592,000 | 2,450 |
| Average equity | $23,949,000 | 2,605 |
| Average total loans | $188,304,000 | 2,388 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 3,723 |
| Cost of funding earning assets | 0.2380% | 3,429 |
| Net interest margin | 3.0095% | 3,427 |
| Noninterest income to average assets | 0.8900% | 806 |
| Noninterest expense to average assets | 2.9602% | 1,022 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.5873% | 3,911 |
| Return on assets (ROA) | 0.5873% | 3,872 |
| Pretax return on assets | 0.7371% | 3,775 |
| Return on Equity (ROE) | 7.8700% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.8723% | 1,889 |
| Net charge-offs to loans | 0.0618% | 1,033 |
| Credit loss provision to net charge-offs | 90.5983% | 1,630 |
| Earnings coverage of net charge-offs (x) | 19.9573% | 1,898 |
| Efficiency ratio | 79.2948% | 767 |
| Assets per employee ($millions) | 6.0665% | 2,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,293 |
| Loan loss allowance to noncurrent loans | 12,110.5263% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,854 |
| Noncurrent loans to loans | 0.0101% | 3,772 |
| Net loans and leases to total assets | 60.1800% | 2,614 |
| Net loans and leases to deposits | 65.9196% | 2,895 |
| Net loans and leases to core deposits | 66.3835% | 3,105 |
| Total domestic deposits to total assets | 91.3000% | 839 |
| Equity capital to assets | 7.6139% | 3,320 |
| Core capital (leverage) ratio | 7.1885% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4061% | 1,510 |
| Memoranda: | ||
| Average total assets | $302,416,400 | 2,439 |
| Average earning assets | $285,292,200 | 2,418 |
| Average equity | $22,560,000 | 2,730 |
| Average total loans | $189,445,800 | 2,310 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 3,828 |
| Cost of funding earning assets | 0.2124% | 3,122 |
| Net interest margin | 2.8200% | 3,690 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 2.9138% | 1,027 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.4811% | 4,115 |
| Return on assets (ROA) | 0.4811% | 4,064 |
| Pretax return on assets | 0.6026% | 3,985 |
| Return on Equity (ROE) | 6.4800% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.4840% | 2,556 |
| Net charge-offs to loans | 0.0928% | 669 |
| Credit loss provision to net charge-offs | 101.5152% | 1,311 |
| Earnings coverage of net charge-offs (x) | 11.3106% | 1,951 |
| Efficiency ratio | 81.4608% | 683 |
| Assets per employee ($millions) | 5.9236% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,439 |
| Loan loss allowance to noncurrent loans | 963.7500% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 2,958 |
| Noncurrent loans to loans | 0.1263% | 3,010 |
| Net loans and leases to total assets | 60.9300% | 2,408 |
| Net loans and leases to deposits | 66.4038% | 2,683 |
| Net loans and leases to core deposits | 67.2167% | 2,861 |
| Total domestic deposits to total assets | 91.7500% | 955 |
| Equity capital to assets | 7.4172% | 3,264 |
| Core capital (leverage) ratio | 7.1233% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1027% | 1,673 |
| Memoranda: | ||
| Average total assets | $300,672,250 | 2,468 |
| Average earning assets | $283,775,750 | 2,439 |
| Average equity | $22,310,750 | 2,793 |
| Average total loans | $189,680,250 | 2,314 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8016% | 3,975 |
| Cost of funding earning assets | 0.1981% | 2,937 |
| Net interest margin | 2.6035% | 3,905 |
| Noninterest income to average assets | 0.9221% | 802 |
| Noninterest expense to average assets | 2.8583% | 1,059 |
| Loan and lease loss provision to assets | 0.0630% | 1,469 |
| Net operating income to assets | 0.3682% | 4,171 |
| Return on assets (ROA) | 0.3682% | 4,128 |
| Pretax return on assets | 0.4601% | 4,061 |
| Return on Equity (ROE) | 4.9611% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.9611% | 2,721 |
| Net charge-offs to loans | 0.1424% | 458 |
| Credit loss provision to net charge-offs | 69.6296% | 1,433 |
| Earnings coverage of net charge-offs (x) | 5.7778% | 1,920 |
| Efficiency ratio | 84.4704% | 653 |
| Assets per employee ($millions) | 5.5938% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 2,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,450 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.0736% | 1,906 |
| Net loans and leases to deposits | 69.9975% | 2,202 |
| Net loans and leases to core deposits | 70.7922% | 2,424 |
| Total domestic deposits to total assets | 91.5370% | 1,020 |
| Equity capital to assets | 7.7074% | 3,342 |
| Core capital (leverage) ratio | 7.0439% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7625% | 1,780 |
| Memoranda: | ||
| Average total assets | $298,220,000 | 2,490 |
| Average earning assets | $281,692,333 | 2,477 |
| Average equity | $22,132,000 | 2,881 |
| Average total loans | $189,577,000 | 2,304 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5773% | 4,163 |
| Cost of funding earning assets | 0.2032% | 2,754 |
| Net interest margin | 2.3741% | 4,117 |
| Noninterest income to average assets | 0.9845% | 696 |
| Noninterest expense to average assets | 2.7984% | 1,161 |
| Loan and lease loss provision to assets | 0.0450% | 1,553 |
| Net operating income to assets | 0.3087% | 4,127 |
| Return on assets (ROA) | 0.3087% | 4,095 |
| Pretax return on assets | 0.3856% | 4,058 |
| Return on Equity (ROE) | 4.2386% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.2386% | 2,857 |
| Net charge-offs to loans | 0.2694% | 240 |
| Credit loss provision to net charge-offs | 26.5625% | 1,270 |
| Earnings coverage of net charge-offs (x) | 2.5391% | 1,701 |
| Efficiency ratio | 86.5819% | 703 |
| Assets per employee ($millions) | 5.8912% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 3,001 |
| Loan loss allowance to noncurrent loans | 3,123.9437% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,541 |
| Noncurrent loans to loans | 0.0375% | 3,712 |
| Net loans and leases to total assets | 62.2868% | 1,827 |
| Net loans and leases to deposits | 68.3714% | 2,114 |
| Net loans and leases to core deposits | 69.1344% | 2,367 |
| Total domestic deposits to total assets | 91.1007% | 983 |
| Equity capital to assets | 7.3569% | 4,013 |
| Core capital (leverage) ratio | 6.5122% | 4,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5755% | 1,961 |
| Memoranda: | ||
| Average total assets | $301,891,000 | 2,488 |
| Average earning assets | $285,416,000 | 2,476 |
| Average equity | $21,988,500 | 2,993 |
| Average total loans | $190,042,000 | 2,296 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0549% | 3,770 |
| Cost of funding earning assets | 0.3223% | 2,176 |
| Net interest margin | 2.7326% | 3,810 |
| Noninterest income to average assets | 0.9524% | 1,089 |
| Noninterest expense to average assets | 2.8718% | 1,215 |
| Loan and lease loss provision to assets | 0.0273% | 2,511 |
| Net operating income to assets | 0.5113% | 4,064 |
| Return on assets (ROA) | 0.5113% | 4,112 |
| Pretax return on assets | 0.6078% | 4,093 |
| Return on Equity (ROE) | 7.1093% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.1093% | 1,881 |
| Net charge-offs to loans | 0.0107% | 2,162 |
| Credit loss provision to net charge-offs | 380.9524% | 936 |
| Earnings coverage of net charge-offs (x) | 88.7143% | 939 |
| Efficiency ratio | 81.8332% | 691 |
| Assets per employee ($millions) | 5.9476% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2117% | 2,826 |
| Loan loss allowance to noncurrent loans | 498.0603% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 2,871 |
| Noncurrent loans to loans | 0.2433% | 2,757 |
| Net loans and leases to total assets | 62.1149% | 1,926 |
| Net loans and leases to deposits | 68.5362% | 2,256 |
| Net loans and leases to core deposits | 69.3638% | 2,516 |
| Total domestic deposits to total assets | 90.6307% | 653 |
| Equity capital to assets | 7.2110% | 4,678 |
| Core capital (leverage) ratio | 6.7469% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3234% | 2,116 |
| Memoranda: | ||
| Average total assets | $293,365,400 | 2,462 |
| Average earning assets | $274,244,800 | 2,461 |
| Average equity | $21,099,200 | 3,128 |
| Average total loans | $196,577,200 | 2,253 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1482% | 3,705 |
| Cost of funding earning assets | 0.3477% | 2,138 |
| Net interest margin | 2.8005% | 3,780 |
| Noninterest income to average assets | 0.9456% | 1,159 |
| Noninterest expense to average assets | 2.9057% | 1,119 |
| Loan and lease loss provision to assets | 0.0512% | 1,966 |
| Net operating income to assets | 0.5051% | 4,190 |
| Return on assets (ROA) | 0.5051% | 4,234 |
| Pretax return on assets | 0.5986% | 4,238 |
| Return on Equity (ROE) | 7.0282% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.0282% | 2,406 |
| Net charge-offs to loans | 0.0357% | 1,364 |
| Credit loss provision to net charge-offs | 211.3208% | 1,176 |
| Earnings coverage of net charge-offs (x) | 26.7547% | 1,593 |
| Efficiency ratio | 81.6553% | 654 |
| Assets per employee ($millions) | 5.8531% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 3,041 |
| Loan loss allowance to noncurrent loans | 316.2791% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 2,578 |
| Noncurrent loans to loans | 0.3761% | 2,429 |
| Net loans and leases to total assets | 63.1075% | 1,877 |
| Net loans and leases to deposits | 70.0353% | 2,241 |
| Net loans and leases to core deposits | 71.1577% | 2,500 |
| Total domestic deposits to total assets | 90.1082% | 727 |
| Equity capital to assets | 7.0557% | 4,802 |
| Core capital (leverage) ratio | 6.6276% | 4,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9710% | 2,376 |
| Memoranda: | ||
| Average total assets | $290,874,250 | 2,493 |
| Average earning assets | $271,087,500 | 2,501 |
| Average equity | $20,905,750 | 3,172 |
| Average total loans | $198,040,500 | 2,282 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1041% | 3,857 |
| Cost of funding earning assets | 0.3781% | 2,063 |
| Net interest margin | 2.7260% | 3,929 |
| Noninterest income to average assets | 0.9219% | 1,210 |
| Noninterest expense to average assets | 2.8424% | 1,266 |
| Loan and lease loss provision to assets | 0.0566% | 1,900 |
| Net operating income to assets | 0.4756% | 4,271 |
| Return on assets (ROA) | 0.4756% | 4,310 |
| Pretax return on assets | 0.5608% | 4,295 |
| Return on Equity (ROE) | 6.5746% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.5746% | 2,595 |
| Net charge-offs to loans | 0.0271% | 1,409 |
| Credit loss provision to net charge-offs | 300.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 32.7407% | 1,264 |
| Efficiency ratio | 82.0953% | 666 |
| Assets per employee ($millions) | 5.8112% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 3,333 |
| Loan loss allowance to noncurrent loans | 213.3210% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.3720% | 2,116 |
| Noncurrent loans to loans | 0.5244% | 2,107 |
| Net loans and leases to total assets | 70.1463% | 1,178 |
| Net loans and leases to deposits | 78.1615% | 1,605 |
| Net loans and leases to core deposits | 79.8143% | 1,901 |
| Total domestic deposits to total assets | 89.7453% | 897 |
| Equity capital to assets | 7.2464% | 4,793 |
| Core capital (leverage) ratio | 6.6556% | 4,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5481% | 2,528 |
| Memoranda: | ||
| Average total assets | $286,378,000 | 2,513 |
| Average earning assets | $266,616,667 | 2,525 |
| Average equity | $20,716,000 | 3,185 |
| Average total loans | $199,258,000 | 2,280 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0617% | 3,964 |
| Cost of funding earning assets | 0.4115% | 2,002 |
| Net interest margin | 2.6502% | 4,057 |
| Noninterest income to average assets | 0.9258% | 1,265 |
| Noninterest expense to average assets | 2.8225% | 1,321 |
| Loan and lease loss provision to assets | 0.0310% | 2,369 |
| Net operating income to assets | 0.4784% | 4,216 |
| Return on assets (ROA) | 0.4784% | 4,252 |
| Pretax return on assets | 0.5642% | 4,254 |
| Return on Equity (ROE) | 6.6191% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.6191% | 2,689 |
| Net charge-offs to loans | 0.0306% | 1,180 |
| Credit loss provision to net charge-offs | 146.6667% | 989 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 1,118 |
| Efficiency ratio | 82.5031% | 673 |
| Assets per employee ($millions) | 5.3920% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,263 |
| Loan loss allowance to noncurrent loans | 388.8124% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 3,163 |
| Noncurrent loans to loans | 0.2923% | 3,054 |
| Net loans and leases to total assets | 67.4801% | 1,598 |
| Net loans and leases to deposits | 75.2247% | 1,990 |
| Net loans and leases to core deposits | 77.0644% | 2,262 |
| Total domestic deposits to total assets | 89.7046% | 963 |
| Equity capital to assets | 7.1148% | 4,817 |
| Core capital (leverage) ratio | 6.7119% | 4,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0625% | 2,266 |
| Memoranda: | ||
| Average total assets | $284,287,000 | 2,517 |
| Average earning assets | $267,299,000 | 2,505 |
| Average equity | $20,546,500 | 3,195 |
| Average total loans | $195,825,500 | 2,310 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7951% | 3,317 |
| Cost of funding earning assets | 0.6513% | 1,983 |
| Net interest margin | 3.1438% | 3,511 |
| Noninterest income to average assets | 1.3346% | 652 |
| Noninterest expense to average assets | 3.3725% | 821 |
| Loan and lease loss provision to assets | 0.2879% | 1,317 |
| Net operating income to assets | 0.5106% | 4,006 |
| Return on assets (ROA) | 0.5106% | 4,089 |
| Pretax return on assets | 0.5981% | 4,085 |
| Return on Equity (ROE) | 6.4236% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.4236% | 1,620 |
| Net charge-offs to loans | 0.0251% | 2,539 |
| Credit loss provision to net charge-offs | 1,451.0204% | 579 |
| Earnings coverage of net charge-offs (x) | 44.6531% | 1,298 |
| Efficiency ratio | 79.1385% | 945 |
| Assets per employee ($millions) | 5.1371% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 3,122 |
| Loan loss allowance to noncurrent loans | 448.6056% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 3,374 |
| Noncurrent loans to loans | 0.2602% | 3,261 |
| Net loans and leases to total assets | 68.7295% | 1,731 |
| Net loans and leases to deposits | 77.4611% | 2,126 |
| Net loans and leases to core deposits | 79.4701% | 2,408 |
| Total domestic deposits to total assets | 88.7277% | 1,107 |
| Equity capital to assets | 7.3456% | 4,869 |
| Core capital (leverage) ratio | 6.8744% | 4,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6800% | 2,374 |
| Memoranda: | ||
| Average total assets | $246,969,000 | 2,595 |
| Average earning assets | $229,688,200 | 2,602 |
| Average equity | $19,630,800 | 3,220 |
| Average total loans | $195,307,800 | 2,281 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 3,424 |
| Cost of funding earning assets | 0.7026% | 2,010 |
| Net interest margin | 3.1424% | 3,638 |
| Noninterest income to average assets | 1.2294% | 722 |
| Noninterest expense to average assets | 3.3834% | 814 |
| Loan and lease loss provision to assets | 0.2223% | 1,816 |
| Net operating income to assets | 0.4646% | 4,129 |
| Return on assets (ROA) | 0.4646% | 4,201 |
| Pretax return on assets | 0.5386% | 4,212 |
| Return on Equity (ROE) | 5.7188% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.7188% | 2,229 |
| Net charge-offs to loans | 0.0347% | 2,140 |
| Credit loss provision to net charge-offs | 782.3529% | 996 |
| Earnings coverage of net charge-offs (x) | 26.7843% | 1,684 |
| Efficiency ratio | 81.5726% | 751 |
| Assets per employee ($millions) | 5.0247% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 3,893 |
| Loan loss allowance to noncurrent loans | 447.5751% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 3,607 |
| Noncurrent loans to loans | 0.2119% | 3,535 |
| Net loans and leases to total assets | 76.0182% | 1,094 |
| Net loans and leases to deposits | 86.4240% | 1,649 |
| Net loans and leases to core deposits | 89.0992% | 2,053 |
| Total domestic deposits to total assets | 87.9595% | 1,233 |
| Equity capital to assets | 7.4916% | 4,858 |
| Core capital (leverage) ratio | 7.0063% | 4,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3236% | 2,494 |
| Memoranda: | ||
| Average total assets | $239,360,000 | 2,628 |
| Average earning assets | $222,035,000 | 2,639 |
| Average equity | $19,444,250 | 3,240 |
| Average total loans | $195,907,000 | 2,269 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9975% | 3,331 |
| Cost of funding earning assets | 0.7707% | 1,993 |
| Net interest margin | 3.2269% | 3,587 |
| Noninterest income to average assets | 1.0687% | 874 |
| Noninterest expense to average assets | 3.4405% | 805 |
| Loan and lease loss provision to assets | 0.2405% | 1,752 |
| Net operating income to assets | 0.3403% | 4,349 |
| Return on assets (ROA) | 0.3403% | 4,407 |
| Pretax return on assets | 0.3794% | 4,437 |
| Return on Equity (ROE) | 4.0674% | 4,080 |
| Retained earnings to average equity (ytd only) | 4.0674% | 2,868 |
| Net charge-offs to loans | 0.0725% | 1,524 |
| Credit loss provision to net charge-offs | 395.7143% | 1,416 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 2,169 |
| Efficiency ratio | 84.6697% | 604 |
| Assets per employee ($millions) | 4.6839% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 4,092 |
| Loan loss allowance to noncurrent loans | 400.2227% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 3,416 |
| Noncurrent loans to loans | 0.2192% | 3,596 |
| Net loans and leases to total assets | 80.2905% | 566 |
| Net loans and leases to deposits | 92.2763% | 1,129 |
| Net loans and leases to core deposits | 96.1339% | 1,573 |
| Total domestic deposits to total assets | 87.0110% | 1,610 |
| Equity capital to assets | 7.7124% | 4,828 |
| Core capital (leverage) ratio | 7.3910% | 4,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7113% | 2,727 |
| Memoranda: | ||
| Average total assets | $230,376,667 | 2,683 |
| Average earning assets | $213,582,000 | 2,680 |
| Average equity | $19,275,333 | 3,245 |
| Average total loans | $193,082,000 | 2,272 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 3,182 |
| Cost of funding earning assets | 0.8780% | 1,977 |
| Net interest margin | 3.3313% | 3,510 |
| Noninterest income to average assets | 0.9439% | 969 |
| Noninterest expense to average assets | 3.7827% | 636 |
| Loan and lease loss provision to assets | 0.1041% | 2,380 |
| Net operating income to assets | 0.1625% | 4,584 |
| Return on assets (ROA) | 0.1625% | 4,587 |
| Pretax return on assets | 0.1534% | 4,622 |
| Return on Equity (ROE) | 1.8581% | 4,471 |
| Retained earnings to average equity (ytd only) | 1.8581% | 3,489 |
| Net charge-offs to loans | 0.1133% | 1,025 |
| Credit loss provision to net charge-offs | 107.5472% | 1,775 |
| Earnings coverage of net charge-offs (x) | 2.6604% | 2,265 |
| Efficiency ratio | 93.5382% | 380 |
| Assets per employee ($millions) | 4.1046% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 4,282 |
| Loan loss allowance to noncurrent loans | 304.7801% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 3,515 |
| Noncurrent loans to loans | 0.2783% | 3,494 |
| Net loans and leases to total assets | 84.0769% | 258 |
| Net loans and leases to deposits | 99.2517% | 604 |
| Net loans and leases to core deposits | 103.7826% | 1,203 |
| Total domestic deposits to total assets | 84.7108% | 2,523 |
| Equity capital to assets | 8.6647% | 4,764 |
| Core capital (leverage) ratio | 7.9350% | 4,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6743% | 2,854 |
| Memoranda: | ||
| Average total assets | $219,100,500 | 2,719 |
| Average earning assets | $203,644,500 | 2,717 |
| Average equity | $19,159,500 | 3,261 |
| Average total loans | $187,185,500 | 2,286 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4779% | 3,017 |
| Cost of funding earning assets | 0.8937% | 2,216 |
| Net interest margin | 3.5842% | 3,187 |
| Noninterest income to average assets | 1.0863% | 805 |
| Noninterest expense to average assets | 3.7380% | 725 |
| Loan and lease loss provision to assets | 0.0488% | 3,050 |
| Net operating income to assets | 0.5005% | 4,401 |
| Return on assets (ROA) | 0.5005% | 4,455 |
| Pretax return on assets | 0.5867% | 4,432 |
| Return on Equity (ROE) | 5.7059% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.7059% | 2,025 |
| Net charge-offs to loans | 0.0523% | 2,367 |
| Credit loss provision to net charge-offs | 107.2917% | 2,315 |
| Earnings coverage of net charge-offs (x) | 13.9792% | 2,312 |
| Efficiency ratio | 85.4049% | 575 |
| Assets per employee ($millions) | 3.9374% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,146 |
| Loan loss allowance to noncurrent loans | 168.7898% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,654 |
| Noncurrent loans to loans | 0.5053% | 2,677 |
| Net loans and leases to total assets | 85.3520% | 216 |
| Net loans and leases to deposits | 101.4100% | 507 |
| Net loans and leases to core deposits | 106.7054% | 1,066 |
| Total domestic deposits to total assets | 84.1652% | 2,801 |
| Equity capital to assets | 8.8264% | 4,775 |
| Core capital (leverage) ratio | 7.9595% | 5,048 |
| Tier 1 risk-based capital ratio | 11.4479% | 4,653 |
| Total risk-based capital ratio | 12.5138% | 4,640 |
| Memoranda: | ||
| Average total assets | $211,181,800 | 2,744 |
| Average earning assets | $193,682,600 | 2,766 |
| Average equity | $18,524,600 | 3,274 |
| Average total loans | $183,569,200 | 2,282 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5143% | 3,016 |
| Cost of funding earning assets | 0.8784% | 2,326 |
| Net interest margin | 3.6359% | 3,151 |
| Noninterest income to average assets | 1.0821% | 785 |
| Noninterest expense to average assets | 3.8022% | 656 |
| Loan and lease loss provision to assets | 0.0654% | 2,581 |
| Net operating income to assets | 0.4619% | 4,602 |
| Return on assets (ROA) | 0.4619% | 4,636 |
| Pretax return on assets | 0.5337% | 4,646 |
| Return on Equity (ROE) | 5.2745% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.2745% | 2,744 |
| Net charge-offs to loans | 0.0314% | 2,446 |
| Credit loss provision to net charge-offs | 239.5349% | 1,131 |
| Earnings coverage of net charge-offs (x) | 21.9309% | 1,889 |
| Efficiency ratio | 86.3144% | 484 |
| Assets per employee ($millions) | 3.9857% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 4,055 |
| Loan loss allowance to noncurrent loans | 135.7556% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 2,225 |
| Noncurrent loans to loans | 0.6608% | 2,305 |
| Net loans and leases to total assets | 82.8453% | 478 |
| Net loans and leases to deposits | 98.2802% | 790 |
| Net loans and leases to core deposits | 103.1594% | 1,399 |
| Total domestic deposits to total assets | 84.2950% | 2,713 |
| Equity capital to assets | 8.5703% | 4,968 |
| Core capital (leverage) ratio | 8.0099% | 5,119 |
| Tier 1 risk-based capital ratio | 11.0606% | 4,883 |
| Total risk-based capital ratio | 12.1501% | 4,845 |
| Memoranda: | ||
| Average total assets | $209,838,500 | 2,782 |
| Average earning assets | $191,564,750 | 2,802 |
| Average equity | $18,377,250 | 3,314 |
| Average total loans | $182,855,500 | 2,311 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 2,865 |
| Cost of funding earning assets | 0.8325% | 2,492 |
| Net interest margin | 3.7126% | 2,895 |
| Noninterest income to average assets | 1.0730% | 739 |
| Noninterest expense to average assets | 3.8604% | 622 |
| Loan and lease loss provision to assets | 0.1432% | 1,297 |
| Net operating income to assets | 0.4044% | 4,729 |
| Return on assets (ROA) | 0.4044% | 4,749 |
| Pretax return on assets | 0.4605% | 4,753 |
| Return on Equity (ROE) | 4.5832% | 4,447 |
| Retained earnings to average equity (ytd only) | 4.5832% | 2,987 |
| Net charge-offs to loans | 0.0471% | 1,972 |
| Credit loss provision to net charge-offs | 344.1860% | 817 |
| Earnings coverage of net charge-offs (x) | 14.5116% | 2,031 |
| Efficiency ratio | 86.4109% | 522 |
| Assets per employee ($millions) | 3.8909% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 4,040 |
| Loan loss allowance to noncurrent loans | 225.3333% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 2,903 |
| Noncurrent loans to loans | 0.4050% | 3,083 |
| Net loans and leases to total assets | 87.3348% | 138 |
| Net loans and leases to deposits | 104.9267% | 384 |
| Net loans and leases to core deposits | 110.6188% | 942 |
| Total domestic deposits to total assets | 83.2341% | 3,134 |
| Equity capital to assets | 8.7934% | 4,904 |
| Core capital (leverage) ratio | 8.0907% | 5,142 |
| Tier 1 risk-based capital ratio | 10.7092% | 5,038 |
| Total risk-based capital ratio | 11.8115% | 5,000 |
| Memoranda: | ||
| Average total assets | $206,714,330 | 2,815 |
| Average earning assets | $188,819,000 | 2,835 |
| Average equity | $18,240,670 | 3,327 |
| Average total loans | $182,724,000 | 2,317 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4665% | 2,980 |
| Cost of funding earning assets | 0.7751% | 2,667 |
| Net interest margin | 3.6914% | 2,925 |
| Noninterest income to average assets | 1.0068% | 796 |
| Noninterest expense to average assets | 3.9353% | 581 |
| Loan and lease loss provision to assets | 0.1619% | 1,039 |
| Net operating income to assets | 0.2575% | 4,950 |
| Return on assets (ROA) | 0.2575% | 4,957 |
| Pretax return on assets | 0.2731% | 4,983 |
| Return on Equity (ROE) | 2.9134% | 4,806 |
| Retained earnings to average equity (ytd only) | 2.9134% | 3,773 |
| Net charge-offs to loans | 0.0970% | 1,166 |
| Credit loss provision to net charge-offs | 188.6364% | 1,084 |
| Earnings coverage of net charge-offs (x) | 5.0682% | 2,281 |
| Efficiency ratio | 89.9554% | 394 |
| Assets per employee ($millions) | 3.7145% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,219 |
| Loan loss allowance to noncurrent loans | 209.0090% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 2,891 |
| Noncurrent loans to loans | 0.4232% | 3,075 |
| Net loans and leases to total assets | 89.0733% | 66 |
| Net loans and leases to deposits | 104.5179% | 378 |
| Net loans and leases to core deposits | 109.8810% | 933 |
| Total domestic deposits to total assets | 85.2230% | 2,592 |
| Equity capital to assets | 8.9037% | 4,748 |
| Core capital (leverage) ratio | 8.1704% | 5,150 |
| Tier 1 risk-based capital ratio | 10.6380% | 5,138 |
| Total risk-based capital ratio | 11.7077% | 5,101 |
| Memoranda: | ||
| Average total assets | $205,016,000 | 2,851 |
| Average earning assets | $186,812,500 | 2,887 |
| Average equity | $18,123,000 | 3,345 |
| Average total loans | $181,491,000 | 2,355 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 2,987 |
| Cost of funding earning assets | 0.6698% | 2,267 |
| Net interest margin | 3.6637% | 3,181 |
| Noninterest income to average assets | 1.1260% | 729 |
| Noninterest expense to average assets | 3.7660% | 716 |
| Loan and lease loss provision to assets | 0.0543% | 3,084 |
| Net operating income to assets | 0.5535% | 4,542 |
| Return on assets (ROA) | 0.5535% | 4,537 |
| Pretax return on assets | 0.6441% | 4,549 |
| Return on Equity (ROE) | 6.1840% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.1840% | 2,101 |
| Net charge-offs to loans | 0.0111% | 3,307 |
| Credit loss provision to net charge-offs | 557.8947% | 630 |
| Earnings coverage of net charge-offs (x) | 71.7895% | 920 |
| Efficiency ratio | 84.3101% | 635 |
| Assets per employee ($millions) | 3.8818% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 4,237 |
| Loan loss allowance to noncurrent loans | 202.0408% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 2,865 |
| Noncurrent loans to loans | 0.4371% | 2,969 |
| Net loans and leases to total assets | 86.4219% | 212 |
| Net loans and leases to deposits | 100.3250% | 716 |
| Net loans and leases to core deposits | 106.1664% | 1,258 |
| Total domestic deposits to total assets | 86.1419% | 2,161 |
| Equity capital to assets | 8.7763% | 4,749 |
| Core capital (leverage) ratio | 8.2106% | 5,166 |
| Tier 1 risk-based capital ratio | 10.9093% | 5,013 |
| Total risk-based capital ratio | 11.9794% | 4,991 |
| Memoranda: | ||
| Average total assets | $195,301,200 | 2,912 |
| Average earning assets | $177,964,000 | 2,944 |
| Average equity | $17,480,600 | 3,348 |
| Average total loans | $171,378,200 | 2,428 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2905% | 3,000 |
| Cost of funding earning assets | 0.6323% | 2,256 |
| Net interest margin | 3.6582% | 3,177 |
| Noninterest income to average assets | 1.1451% | 714 |
| Noninterest expense to average assets | 3.7959% | 676 |
| Loan and lease loss provision to assets | 0.0609% | 2,761 |
| Net operating income to assets | 0.5356% | 4,685 |
| Return on assets (ROA) | 0.5356% | 4,689 |
| Pretax return on assets | 0.6227% | 4,689 |
| Return on Equity (ROE) | 5.9525% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.9525% | 2,677 |
| Net charge-offs to loans | 0.0110% | 3,026 |
| Credit loss provision to net charge-offs | 628.5714% | 573 |
| Earnings coverage of net charge-offs (x) | 70.5570% | 949 |
| Efficiency ratio | 84.6926% | 605 |
| Assets per employee ($millions) | 3.8343% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 4,335 |
| Loan loss allowance to noncurrent loans | 184.4080% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 2,789 |
| Noncurrent loans to loans | 0.4783% | 2,953 |
| Net loans and leases to total assets | 88.6546% | 119 |
| Net loans and leases to deposits | 103.3067% | 582 |
| Net loans and leases to core deposits | 108.1946% | 1,156 |
| Total domestic deposits to total assets | 85.8168% | 2,274 |
| Equity capital to assets | 8.9019% | 4,639 |
| Core capital (leverage) ratio | 8.2006% | 5,250 |
| Tier 1 risk-based capital ratio | 10.8187% | 5,123 |
| Total risk-based capital ratio | 11.8964% | 5,106 |
| Memoranda: | ||
| Average total assets | $192,692,750 | 2,961 |
| Average earning assets | $175,639,750 | 2,991 |
| Average equity | $17,336,750 | 3,387 |
| Average total loans | $169,376,750 | 2,459 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 3,049 |
| Cost of funding earning assets | 0.5965% | 2,250 |
| Net interest margin | 3.6236% | 3,224 |
| Noninterest income to average assets | 1.1404% | 744 |
| Noninterest expense to average assets | 3.8317% | 649 |
| Loan and lease loss provision to assets | 0.0410% | 3,090 |
| Net operating income to assets | 0.4988% | 4,755 |
| Return on assets (ROA) | 0.4988% | 4,757 |
| Pretax return on assets | 0.5723% | 4,782 |
| Return on Equity (ROE) | 5.5235% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.5235% | 2,809 |
| Net charge-offs to loans | 0.0168% | 2,581 |
| Credit loss provision to net charge-offs | 278.5714% | 1,068 |
| Earnings coverage of net charge-offs (x) | 41.7143% | 1,257 |
| Efficiency ratio | 86.1564% | 558 |
| Assets per employee ($millions) | 3.7547% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 4,328 |
| Loan loss allowance to noncurrent loans | 194.5083% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 2,934 |
| Noncurrent loans to loans | 0.4643% | 3,043 |
| Net loans and leases to total assets | 85.5976% | 297 |
| Net loans and leases to deposits | 99.4247% | 847 |
| Net loans and leases to core deposits | 104.3801% | 1,365 |
| Total domestic deposits to total assets | 86.0929% | 2,236 |
| Equity capital to assets | 8.9380% | 4,605 |
| Core capital (leverage) ratio | 8.2343% | 5,246 |
| Tier 1 risk-based capital ratio | 11.1722% | 4,958 |
| Total risk-based capital ratio | 12.2744% | 4,941 |
| Memoranda: | ||
| Average total assets | $190,462,330 | 3,000 |
| Average earning assets | $173,693,000 | 3,023 |
| Average equity | $17,199,330 | 3,423 |
| Average total loans | $166,390,330 | 2,496 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1497% | 3,064 |
| Cost of funding earning assets | 0.5547% | 2,360 |
| Net interest margin | 3.5950% | 3,202 |
| Noninterest income to average assets | 1.0762% | 795 |
| Noninterest expense to average assets | 3.8666% | 614 |
| Loan and lease loss provision to assets | 0.0447% | 2,874 |
| Net operating income to assets | 0.4105% | 4,910 |
| Return on assets (ROA) | 0.4105% | 4,912 |
| Pretax return on assets | 0.4594% | 4,948 |
| Return on Equity (ROE) | 4.5216% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.5216% | 3,394 |
| Net charge-offs to loans | -0.0024% | 3,836 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4185% | 513 |
| Assets per employee ($millions) | 3.8218% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 4,392 |
| Loan loss allowance to noncurrent loans | 312.1150% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,640 |
| Noncurrent loans to loans | 0.2922% | 3,724 |
| Net loans and leases to total assets | 86.4320% | 229 |
| Net loans and leases to deposits | 101.0295% | 636 |
| Net loans and leases to core deposits | 108.0125% | 1,122 |
| Total domestic deposits to total assets | 85.5513% | 2,732 |
| Equity capital to assets | 8.9848% | 4,575 |
| Core capital (leverage) ratio | 8.2694% | 5,280 |
| Tier 1 risk-based capital ratio | 11.0518% | 5,107 |
| Total risk-based capital ratio | 12.1584% | 5,092 |
| Memoranda: | ||
| Average total assets | $188,071,000 | 3,055 |
| Average earning assets | $172,350,500 | 3,068 |
| Average equity | $17,073,500 | 3,465 |
| Average total loans | $165,261,500 | 2,523 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,168 |
| Cost of funding earning assets | 0.5790% | 1,748 |
| Net interest margin | 3.4913% | 3,558 |
| Noninterest income to average assets | 1.0722% | 889 |
| Noninterest expense to average assets | 3.7979% | 697 |
| Loan and lease loss provision to assets | -0.1263% | 5,509 |
| Net operating income to assets | 0.4066% | 4,671 |
| Return on assets (ROA) | 0.4066% | 4,693 |
| Pretax return on assets | 0.6297% | 4,677 |
| Return on Equity (ROE) | 4.4924% | 4,353 |
| Retained earnings to average equity (ytd only) | 4.4924% | 2,456 |
| Net charge-offs to loans | -0.1298% | 5,429 |
| Credit loss provision to net charge-offs | 110.4762% | 2,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2450% | 518 |
| Assets per employee ($millions) | 3.7010% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,396 |
| Loan loss allowance to noncurrent loans | 243.5772% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 3,342 |
| Noncurrent loans to loans | 0.3754% | 3,415 |
| Net loans and leases to total assets | 87.7278% | 152 |
| Net loans and leases to deposits | 103.7601% | 501 |
| Net loans and leases to core deposits | 111.2709% | 937 |
| Total domestic deposits to total assets | 84.5487% | 3,020 |
| Equity capital to assets | 9.1747% | 4,552 |
| Core capital (leverage) ratio | 8.2788% | 5,298 |
| Tier 1 risk-based capital ratio | 11.0564% | 5,109 |
| Total risk-based capital ratio | 12.1647% | 5,079 |
| Memoranda: | ||
| Average total assets | $183,732,800 | 3,076 |
| Average earning assets | $169,939,000 | 3,074 |
| Average equity | $16,628,200 | 3,523 |
| Average total loans | $161,734,600 | 2,529 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 3,255 |
| Cost of funding earning assets | 0.5962% | 1,551 |
| Net interest margin | 3.4314% | 3,734 |
| Noninterest income to average assets | 1.0708% | 891 |
| Noninterest expense to average assets | 3.7149% | 755 |
| Loan and lease loss provision to assets | -0.1272% | 5,618 |
| Net operating income to assets | 0.4914% | 4,754 |
| Return on assets (ROA) | 0.4914% | 4,789 |
| Pretax return on assets | 0.6630% | 4,694 |
| Return on Equity (ROE) | 5.4490% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.4490% | 2,570 |
| Net charge-offs to loans | -0.2192% | 5,558 |
| Credit loss provision to net charge-offs | 66.0377% | 2,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1216% | 565 |
| Assets per employee ($millions) | 3.8277% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,120 |
| Loan loss allowance to noncurrent loans | 142.2261% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 2,359 |
| Noncurrent loans to loans | 0.6958% | 2,618 |
| Net loans and leases to total assets | 87.6781% | 164 |
| Net loans and leases to deposits | 104.5509% | 472 |
| Net loans and leases to core deposits | 111.6873% | 938 |
| Total domestic deposits to total assets | 83.8616% | 3,172 |
| Equity capital to assets | 9.2043% | 4,725 |
| Core capital (leverage) ratio | 8.3398% | 5,344 |
| Tier 1 risk-based capital ratio | 11.0380% | 5,228 |
| Total risk-based capital ratio | 12.2386% | 5,143 |
| Memoranda: | ||
| Average total assets | $183,403,000 | 3,107 |
| Average earning assets | $169,954,500 | 3,102 |
| Average equity | $16,540,750 | 3,565 |
| Average total loans | $161,208,250 | 2,547 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,231 |
| Cost of funding earning assets | 0.6089% | 1,389 |
| Net interest margin | 3.3834% | 3,833 |
| Noninterest income to average assets | 1.0682% | 880 |
| Noninterest expense to average assets | 3.7612% | 707 |
| Loan and lease loss provision to assets | -0.1779% | 5,699 |
| Net operating income to assets | 0.4626% | 4,816 |
| Return on assets (ROA) | 0.4626% | 4,842 |
| Pretax return on assets | 0.6198% | 4,763 |
| Return on Equity (ROE) | 5.1653% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.1653% | 2,600 |
| Net charge-offs to loans | -0.2925% | 5,639 |
| Credit loss provision to net charge-offs | 69.3617% | 2,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2004% | 488 |
| Assets per employee ($millions) | 3.8594% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 4,203 |
| Loan loss allowance to noncurrent loans | 176.8889% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 2,778 |
| Noncurrent loans to loans | 0.5603% | 3,056 |
| Net loans and leases to total assets | 85.8521% | 283 |
| Net loans and leases to deposits | 104.0021% | 497 |
| Net loans and leases to core deposits | 111.1335% | 945 |
| Total domestic deposits to total assets | 82.5484% | 3,704 |
| Equity capital to assets | 8.9927% | 4,917 |
| Core capital (leverage) ratio | 8.1868% | 5,436 |
| Tier 1 risk-based capital ratio | 10.9566% | 5,273 |
| Total risk-based capital ratio | 12.1498% | 5,215 |
| Memoranda: | ||
| Average total assets | $183,294,000 | 3,118 |
| Average earning assets | $169,827,000 | 3,114 |
| Average equity | $16,417,330 | 3,589 |
| Average total loans | $160,710,670 | 2,553 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 3,319 |
| Cost of funding earning assets | 0.5980% | 1,389 |
| Net interest margin | 3.3232% | 3,938 |
| Noninterest income to average assets | 1.0597% | 896 |
| Noninterest expense to average assets | 3.7605% | 712 |
| Loan and lease loss provision to assets | 0.0636% | 2,532 |
| Net operating income to assets | 0.2655% | 5,274 |
| Return on assets (ROA) | 0.2655% | 5,291 |
| Pretax return on assets | 0.3203% | 5,281 |
| Return on Equity (ROE) | 2.9700% | 5,104 |
| Retained earnings to average equity (ytd only) | 2.9700% | 3,924 |
| Net charge-offs to loans | 0.0050% | 2,804 |
| Credit loss provision to net charge-offs | 1,450.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 611 |
| Efficiency ratio | 90.4711% | 534 |
| Assets per employee ($millions) | 3.9412% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 4,502 |
| Loan loss allowance to noncurrent loans | 204.6296% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5658% | 2,967 |
| Noncurrent loans to loans | 0.4686% | 3,413 |
| Net loans and leases to total assets | 86.2652% | 205 |
| Net loans and leases to deposits | 104.6265% | 377 |
| Net loans and leases to core deposits | 111.4081% | 804 |
| Total domestic deposits to total assets | 82.4507% | 4,039 |
| Equity capital to assets | 8.8297% | 4,970 |
| Core capital (leverage) ratio | 8.0844% | 5,516 |
| Tier 1 risk-based capital ratio | 10.7047% | 5,458 |
| Total risk-based capital ratio | 11.8662% | 5,410 |
| Memoranda: | ||
| Average total assets | $182,316,000 | 3,157 |
| Average earning assets | $169,232,000 | 3,140 |
| Average equity | $16,296,500 | 3,625 |
| Average total loans | $160,749,500 | 2,569 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 3,290 |
| Cost of funding earning assets | 0.6843% | 891 |
| Net interest margin | 3.2902% | 4,171 |
| Noninterest income to average assets | 0.9217% | 1,343 |
| Noninterest expense to average assets | 3.5603% | 1,064 |
| Loan and lease loss provision to assets | -0.0017% | 5,459 |
| Net operating income to assets | 0.3293% | 5,148 |
| Return on assets (ROA) | 0.3293% | 5,221 |
| Pretax return on assets | 0.4145% | 5,200 |
| Return on Equity (ROE) | 3.6093% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.6093% | 3,355 |
| Net charge-offs to loans | 0.0675% | 2,731 |
| Credit loss provision to net charge-offs | -2.8571% | 4,726 |
| Earnings coverage of net charge-offs (x) | 6.8762% | 3,105 |
| Efficiency ratio | 89.6100% | 579 |
| Assets per employee ($millions) | 3.9865% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9491% | 4,585 |
| Loan loss allowance to noncurrent loans | 170.2128% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 2,609 |
| Noncurrent loans to loans | 0.5576% | 3,172 |
| Net loans and leases to total assets | 88.4288% | 114 |
| Net loans and leases to deposits | 104.9111% | 392 |
| Net loans and leases to core deposits | 112.1475% | 777 |
| Total domestic deposits to total assets | 84.2893% | 3,324 |
| Equity capital to assets | 9.0510% | 4,763 |
| Core capital (leverage) ratio | 8.9935% | 4,752 |
| Tier 1 risk-based capital ratio | 12.1553% | 4,611 |
| Total risk-based capital ratio | 13.3190% | 4,566 |
| Memoranda: | ||
| Average total assets | $174,899,000 | 3,220 |
| Average earning assets | $162,208,400 | 3,206 |
| Average equity | $15,958,600 | 3,695 |
| Average total loans | $155,473,000 | 2,573 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,170 |
| Cost of funding earning assets | 0.6832% | 891 |
| Net interest margin | 3.3313% | 4,089 |
| Noninterest income to average assets | 0.9829% | 1,182 |
| Noninterest expense to average assets | 3.5662% | 1,045 |
| Loan and lease loss provision to assets | 0.0476% | 3,298 |
| Net operating income to assets | 0.3552% | 5,152 |
| Return on assets (ROA) | 0.3552% | 5,232 |
| Pretax return on assets | 0.4519% | 5,228 |
| Return on Equity (ROE) | 3.8852% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.8852% | 3,537 |
| Net charge-offs to loans | -0.0156% | 4,924 |
| Credit loss provision to net charge-offs | -344.4444% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7147% | 692 |
| Assets per employee ($millions) | 3.9380% | 4,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 3,862 |
| Loan loss allowance to noncurrent loans | 149.8246% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 2,464 |
| Noncurrent loans to loans | 0.7305% | 2,848 |
| Net loans and leases to total assets | 87.0972% | 183 |
| Net loans and leases to deposits | 107.1453% | 335 |
| Net loans and leases to core deposits | 114.0862% | 716 |
| Total domestic deposits to total assets | 81.2889% | 4,171 |
| Equity capital to assets | 9.1011% | 5,072 |
| Core capital (leverage) ratio | 9.1457% | 4,663 |
| Tier 1 risk-based capital ratio | 12.3024% | 4,607 |
| Total risk-based capital ratio | 13.5531% | 4,509 |
| Memoranda: | ||
| Average total assets | $173,775,250 | 3,248 |
| Average earning assets | $160,813,500 | 3,239 |
| Average equity | $15,889,000 | 3,739 |
| Average total loans | $154,302,250 | 2,587 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,138 |
| Cost of funding earning assets | 0.6741% | 924 |
| Net interest margin | 3.3555% | 4,037 |
| Noninterest income to average assets | 1.0902% | 946 |
| Noninterest expense to average assets | 3.6123% | 991 |
| Loan and lease loss provision to assets | 0.0579% | 2,981 |
| Net operating income to assets | 0.3974% | 5,039 |
| Return on assets (ROA) | 0.3974% | 5,119 |
| Pretax return on assets | 0.5167% | 5,102 |
| Return on Equity (ROE) | 4.3392% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.3392% | 3,157 |
| Net charge-offs to loans | -0.0234% | 5,011 |
| Credit loss provision to net charge-offs | -277.7778% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2756% | 854 |
| Assets per employee ($millions) | 3.9794% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0898% | 3,995 |
| Loan loss allowance to noncurrent loans | 168.2540% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 2,610 |
| Noncurrent loans to loans | 0.6477% | 3,132 |
| Net loans and leases to total assets | 87.9087% | 140 |
| Net loans and leases to deposits | 109.4556% | 269 |
| Net loans and leases to core deposits | 116.7792% | 617 |
| Total domestic deposits to total assets | 80.3145% | 4,472 |
| Equity capital to assets | 9.1437% | 5,120 |
| Core capital (leverage) ratio | 9.1686% | 4,636 |
| Tier 1 risk-based capital ratio | 12.1416% | 4,745 |
| Total risk-based capital ratio | 13.3927% | 4,657 |
| Memoranda: | ||
| Average total assets | $172,630,330 | 3,283 |
| Average earning assets | $159,321,000 | 3,276 |
| Average equity | $15,809,330 | 3,760 |
| Average total loans | $153,718,670 | 2,604 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,097 |
| Cost of funding earning assets | 0.6619% | 986 |
| Net interest margin | 3.3728% | 3,967 |
| Noninterest income to average assets | 0.9172% | 1,274 |
| Noninterest expense to average assets | 3.7130% | 883 |
| Loan and lease loss provision to assets | 0.1214% | 1,740 |
| Net operating income to assets | 0.1797% | 5,569 |
| Return on assets (ROA) | 0.1797% | 5,625 |
| Pretax return on assets | 0.1867% | 5,653 |
| Return on Equity (ROE) | 1.9607% | 5,507 |
| Retained earnings to average equity (ytd only) | 1.9607% | 4,468 |
| Net charge-offs to loans | 0.0026% | 3,032 |
| Credit loss provision to net charge-offs | 5,200.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 446 |
| Efficiency ratio | 92.3389% | 527 |
| Assets per employee ($millions) | 3.8500% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 4,134 |
| Loan loss allowance to noncurrent loans | 144.3680% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0020% | 2,203 |
| Noncurrent loans to loans | 0.7526% | 2,954 |
| Net loans and leases to total assets | 88.2293% | 106 |
| Net loans and leases to deposits | 111.2422% | 198 |
| Net loans and leases to core deposits | 116.9192% | 568 |
| Total domestic deposits to total assets | 79.3128% | 4,898 |
| Equity capital to assets | 9.0891% | 5,091 |
| Core capital (leverage) ratio | 9.1523% | 4,652 |
| Tier 1 risk-based capital ratio | 12.0094% | 4,911 |
| Total risk-based capital ratio | 13.2610% | 4,827 |
| Memoranda: | ||
| Average total assets | $171,399,000 | 3,309 |
| Average earning assets | $157,734,500 | 3,316 |
| Average equity | $15,709,000 | 3,779 |
| Average total loans | $152,769,000 | 2,610 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,155 |
| Cost of funding earning assets | 0.6446% | 1,102 |
| Net interest margin | 3.3961% | 3,932 |
| Noninterest income to average assets | 1.1372% | 911 |
| Noninterest expense to average assets | 3.8102% | 852 |
| Loan and lease loss provision to assets | 0.1107% | 2,147 |
| Net operating income to assets | 0.3682% | 5,148 |
| Return on assets (ROA) | 0.3682% | 5,234 |
| Pretax return on assets | 0.3167% | 5,489 |
| Return on Equity (ROE) | 4.0242% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.0242% | 3,158 |
| Net charge-offs to loans | 0.0935% | 2,496 |
| Credit loss provision to net charge-offs | 132.6241% | 1,974 |
| Earnings coverage of net charge-offs (x) | 5.1206% | 3,435 |
| Efficiency ratio | 89.9134% | 692 |
| Assets per employee ($millions) | 3.7677% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 4,161 |
| Loan loss allowance to noncurrent loans | 122.2222% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 2.4536% | 633 |
| Noncurrent loans to loans | 0.8821% | 2,588 |
| Net loans and leases to total assets | 88.1012% | 119 |
| Net loans and leases to deposits | 110.3973% | 230 |
| Net loans and leases to core deposits | 115.0963% | 634 |
| Total domestic deposits to total assets | 79.8037% | 4,793 |
| Equity capital to assets | 9.2429% | 4,854 |
| Core capital (leverage) ratio | 9.3899% | 4,336 |
| Tier 1 risk-based capital ratio | 12.0646% | 4,908 |
| Total risk-based capital ratio | 13.3148% | 4,812 |
| Memoranda: | ||
| Average total assets | $168,917,200 | 3,321 |
| Average earning assets | $154,207,800 | 3,341 |
| Average equity | $15,456,400 | 3,765 |
| Average total loans | $150,812,000 | 2,588 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 3,260 |
| Cost of funding earning assets | 0.6458% | 1,119 |
| Net interest margin | 3.3746% | 4,059 |
| Noninterest income to average assets | 1.2633% | 758 |
| Noninterest expense to average assets | 3.8247% | 829 |
| Loan and lease loss provision to assets | 0.1011% | 2,161 |
| Net operating income to assets | 0.4322% | 5,041 |
| Return on assets (ROA) | 0.4322% | 5,128 |
| Pretax return on assets | 0.4172% | 5,436 |
| Return on Equity (ROE) | 4.7350% | 4,741 |
| Retained earnings to average equity (ytd only) | 4.7350% | 3,102 |
| Net charge-offs to loans | 0.0442% | 3,009 |
| Credit loss provision to net charge-offs | 256.0000% | 1,115 |
| Earnings coverage of net charge-offs (x) | 13.1189% | 2,352 |
| Efficiency ratio | 88.0662% | 837 |
| Assets per employee ($millions) | 3.6203% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 4,092 |
| Loan loss allowance to noncurrent loans | 71.1225% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 3.0427% | 490 |
| Noncurrent loans to loans | 1.5804% | 1,576 |
| Net loans and leases to total assets | 89.6313% | 74 |
| Net loans and leases to deposits | 112.8970% | 189 |
| Net loans and leases to core deposits | 117.6801% | 540 |
| Total domestic deposits to total assets | 79.3921% | 4,889 |
| Equity capital to assets | 9.5757% | 4,664 |
| Core capital (leverage) ratio | 9.4722% | 4,340 |
| Tier 1 risk-based capital ratio | 12.3441% | 4,858 |
| Total risk-based capital ratio | 13.5952% | 4,767 |
| Memoranda: | ||
| Average total assets | $168,760,000 | 3,351 |
| Average earning assets | $154,011,000 | 3,371 |
| Average equity | $15,402,750 | 3,808 |
| Average total loans | $150,765,000 | 2,596 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,546 |
| Cost of funding earning assets | 0.6424% | 1,146 |
| Net interest margin | 3.2942% | 4,324 |
| Noninterest income to average assets | 1.4996% | 566 |
| Noninterest expense to average assets | 3.8416% | 823 |
| Loan and lease loss provision to assets | 0.1148% | 1,918 |
| Net operating income to assets | 0.5202% | 4,683 |
| Return on assets (ROA) | 0.5202% | 4,786 |
| Pretax return on assets | 0.5530% | 5,094 |
| Return on Equity (ROE) | 5.7899% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.7899% | 2,363 |
| Net charge-offs to loans | 0.0870% | 2,168 |
| Credit loss provision to net charge-offs | 148.4848% | 1,546 |
| Earnings coverage of net charge-offs (x) | 8.6364% | 2,544 |
| Efficiency ratio | 85.1910% | 1,131 |
| Assets per employee ($millions) | 3.6863% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 4,337 |
| Loan loss allowance to noncurrent loans | 66.6942% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 3.0859% | 525 |
| Noncurrent loans to loans | 1.6451% | 1,590 |
| Net loans and leases to total assets | 87.7053% | 159 |
| Net loans and leases to deposits | 110.8943% | 244 |
| Net loans and leases to core deposits | 115.5031% | 608 |
| Total domestic deposits to total assets | 79.0891% | 5,083 |
| Equity capital to assets | 9.3432% | 4,843 |
| Core capital (leverage) ratio | 9.3706% | 4,463 |
| Tier 1 risk-based capital ratio | 12.4948% | 4,810 |
| Total risk-based capital ratio | 13.7616% | 4,713 |
| Memoranda: | ||
| Average total assets | $170,709,000 | 3,335 |
| Average earning assets | $155,970,000 | 3,364 |
| Average equity | $15,337,000 | 3,841 |
| Average total loans | $151,793,000 | 2,594 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 3,513 |
| Cost of funding earning assets | 0.6527% | 1,102 |
| Net interest margin | 3.2712% | 4,341 |
| Noninterest income to average assets | 2.1973% | 322 |
| Noninterest expense to average assets | 3.9163% | 752 |
| Loan and lease loss provision to assets | 0.1248% | 1,663 |
| Net operating income to assets | 0.9080% | 2,708 |
| Return on assets (ROA) | 0.9080% | 2,832 |
| Pretax return on assets | 1.1437% | 2,888 |
| Return on Equity (ROE) | 10.3041% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.3041% | 851 |
| Net charge-offs to loans | 0.1038% | 1,696 |
| Credit loss provision to net charge-offs | 135.0000% | 1,343 |
| Earnings coverage of net charge-offs (x) | 13.7250% | 1,706 |
| Efficiency ratio | 75.5348% | 2,578 |
| Assets per employee ($millions) | 3.8143% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 4,612 |
| Loan loss allowance to noncurrent loans | 96.4955% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.7547% | 725 |
| Noncurrent loans to loans | 1.1205% | 2,533 |
| Net loans and leases to total assets | 89.0814% | 79 |
| Net loans and leases to deposits | 112.1134% | 181 |
| Net loans and leases to core deposits | 116.5167% | 508 |
| Total domestic deposits to total assets | 79.4565% | 5,184 |
| Equity capital to assets | 9.4206% | 4,839 |
| Core capital (leverage) ratio | 8.8191% | 5,177 |
| Tier 1 risk-based capital ratio | 12.3545% | 5,009 |
| Total risk-based capital ratio | 13.6049% | 4,919 |
| Memoranda: | ||
| Average total assets | $173,121,000 | 3,316 |
| Average earning assets | $158,107,000 | 3,352 |
| Average equity | $15,256,000 | 3,879 |
| Average total loans | $154,137,500 | 2,564 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,207 |
| Cost of funding earning assets | 0.6576% | 1,358 |
| Net interest margin | 3.4719% | 3,891 |
| Noninterest income to average assets | 0.6894% | 2,349 |
| Noninterest expense to average assets | 3.5019% | 1,475 |
| Loan and lease loss provision to assets | 0.0944% | 2,575 |
| Net operating income to assets | 0.2587% | 5,632 |
| Return on assets (ROA) | 0.2587% | 5,692 |
| Pretax return on assets | 0.2933% | 5,716 |
| Return on Equity (ROE) | 3.1313% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.1313% | 4,008 |
| Net charge-offs to loans | 0.3139% | 1,401 |
| Credit loss provision to net charge-offs | 33.6653% | 3,781 |
| Earnings coverage of net charge-offs (x) | 1.3825% | 4,435 |
| Efficiency ratio | 90.0316% | 840 |
| Assets per employee ($millions) | 3.9615% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9852% | 5,137 |
| Loan loss allowance to noncurrent loans | 73.7529% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.6565% | 843 |
| Noncurrent loans to loans | 1.3358% | 2,201 |
| Net loans and leases to total assets | 87.2479% | 146 |
| Net loans and leases to deposits | 108.4678% | 284 |
| Net loans and leases to core deposits | 111.7232% | 699 |
| Total domestic deposits to total assets | 80.4367% | 4,899 |
| Equity capital to assets | 8.2649% | 5,919 |
| Core capital (leverage) ratio | 8.2973% | 5,780 |
| Tier 1 risk-based capital ratio | 11.3097% | 5,764 |
| Total risk-based capital ratio | 12.5168% | 5,706 |
| Memoranda: | ||
| Average total assets | $178,989,600 | 3,220 |
| Average earning assets | $164,983,200 | 3,218 |
| Average equity | $14,786,000 | 3,880 |
| Average total loans | $159,920,600 | 2,427 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 3,140 |
| Cost of funding earning assets | 0.6533% | 1,439 |
| Net interest margin | 3.5039% | 3,813 |
| Noninterest income to average assets | 0.6675% | 2,488 |
| Noninterest expense to average assets | 3.5050% | 1,447 |
| Loan and lease loss provision to assets | 0.1519% | 1,636 |
| Net operating income to assets | 0.2350% | 5,765 |
| Return on assets (ROA) | 0.2350% | 5,825 |
| Pretax return on assets | 0.2492% | 5,866 |
| Return on Equity (ROE) | 2.8447% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.8447% | 4,572 |
| Net charge-offs to loans | 0.3889% | 1,026 |
| Credit loss provision to net charge-offs | 43.5622% | 3,226 |
| Earnings coverage of net charge-offs (x) | 1.1502% | 4,217 |
| Efficiency ratio | 89.7318% | 861 |
| Assets per employee ($millions) | 3.9077% | 4,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 5,168 |
| Loan loss allowance to noncurrent loans | 70.6285% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.6000% | 1,899 |
| Noncurrent loans to loans | 1.4298% | 2,276 |
| Net loans and leases to total assets | 90.0853% | 53 |
| Net loans and leases to deposits | 112.9627% | 165 |
| Net loans and leases to core deposits | 115.6228% | 525 |
| Total domestic deposits to total assets | 79.7479% | 5,162 |
| Equity capital to assets | 8.2975% | 5,944 |
| Core capital (leverage) ratio | 8.2832% | 5,851 |
| Tier 1 risk-based capital ratio | 11.0899% | 5,954 |
| Total risk-based capital ratio | 12.3398% | 5,911 |
| Memoranda: | ||
| Average total assets | $178,179,750 | 3,253 |
| Average earning assets | $164,689,500 | 3,252 |
| Average equity | $14,717,250 | 3,908 |
| Average total loans | $159,757,500 | 2,448 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 3,130 |
| Cost of funding earning assets | 0.6570% | 1,456 |
| Net interest margin | 3.4973% | 3,800 |
| Noninterest income to average assets | 0.5753% | 2,957 |
| Noninterest expense to average assets | 3.5608% | 1,366 |
| Loan and lease loss provision to assets | 0.1407% | 1,757 |
| Net operating income to assets | 0.1351% | 5,985 |
| Return on assets (ROA) | 0.1351% | 6,022 |
| Pretax return on assets | 0.1036% | 6,094 |
| Return on Equity (ROE) | 1.6381% | 5,919 |
| Retained earnings to average equity (ytd only) | 1.6381% | 5,083 |
| Net charge-offs to loans | 0.4619% | 877 |
| Credit loss provision to net charge-offs | 34.1530% | 2,998 |
| Earnings coverage of net charge-offs (x) | 0.5929% | 4,014 |
| Efficiency ratio | 93.5799% | 664 |
| Assets per employee ($millions) | 4.1459% | 3,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 5,163 |
| Loan loss allowance to noncurrent loans | 91.1268% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 2,436 |
| Noncurrent loans to loans | 1.1388% | 2,954 |
| Net loans and leases to total assets | 89.5431% | 62 |
| Net loans and leases to deposits | 112.0067% | 167 |
| Net loans and leases to core deposits | 115.5790% | 490 |
| Total domestic deposits to total assets | 79.9444% | 5,249 |
| Equity capital to assets | 8.2598% | 5,977 |
| Core capital (leverage) ratio | 8.1308% | 5,998 |
| Tier 1 risk-based capital ratio | 10.7726% | 6,146 |
| Total risk-based capital ratio | 12.0215% | 6,091 |
| Memoranda: | ||
| Average total assets | $177,655,000 | 3,279 |
| Average earning assets | $164,068,670 | 3,266 |
| Average equity | $14,651,330 | 3,917 |
| Average total loans | $158,482,000 | 2,468 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 3,002 |
| Cost of funding earning assets | 0.6602% | 1,513 |
| Net interest margin | 3.5063% | 3,662 |
| Noninterest income to average assets | 0.5097% | 3,332 |
| Noninterest expense to average assets | 3.6381% | 1,236 |
| Loan and lease loss provision to assets | 0.1444% | 1,688 |
| Net operating income to assets | 0.0519% | 6,121 |
| Return on assets (ROA) | 0.0519% | 6,142 |
| Pretax return on assets | -0.0383% | 6,243 |
| Return on Equity (ROE) | 0.6295% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.6295% | 5,337 |
| Net charge-offs to loans | 0.6036% | 616 |
| Credit loss provision to net charge-offs | 27.0042% | 2,428 |
| Earnings coverage of net charge-offs (x) | 0.1983% | 3,395 |
| Efficiency ratio | 97.1687% | 585 |
| Assets per employee ($millions) | 3.9985% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,096 |
| Loan loss allowance to noncurrent loans | 66.7433% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.8882% | 1,824 |
| Noncurrent loans to loans | 1.6548% | 2,346 |
| Net loans and leases to total assets | 88.6599% | 66 |
| Net loans and leases to deposits | 109.3621% | 162 |
| Net loans and leases to core deposits | 112.8375% | 499 |
| Total domestic deposits to total assets | 81.0701% | 5,211 |
| Equity capital to assets | 8.3134% | 5,815 |
| Core capital (leverage) ratio | 8.2536% | 5,891 |
| Tier 1 risk-based capital ratio | 11.1044% | 6,116 |
| Total risk-based capital ratio | 12.3554% | 6,064 |
| Memoranda: | ||
| Average total assets | $177,345,500 | 3,304 |
| Average earning assets | $163,593,000 | 3,298 |
| Average equity | $14,614,500 | 3,928 |
| Average total loans | $157,070,000 | 2,496 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1797% | 3,417 |
| Cost of funding earning assets | 0.7774% | 1,334 |
| Net interest margin | 3.4023% | 4,264 |
| Noninterest income to average assets | 0.5759% | 3,242 |
| Noninterest expense to average assets | 3.4227% | 1,831 |
| Loan and lease loss provision to assets | 0.0978% | 3,169 |
| Net operating income to assets | 0.1961% | 5,830 |
| Return on assets (ROA) | 0.2118% | 5,852 |
| Pretax return on assets | 0.2039% | 5,929 |
| Return on Equity (ROE) | 2.6034% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.6034% | 4,403 |
| Net charge-offs to loans | 0.0700% | 4,230 |
| Credit loss provision to net charge-offs | 158.1818% | 1,449 |
| Earnings coverage of net charge-offs (x) | 4.6273% | 3,510 |
| Efficiency ratio | 92.2890% | 857 |
| Assets per employee ($millions) | 3.9724% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 4,521 |
| Loan loss allowance to noncurrent loans | 41.7030% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 3.0180% | 1,045 |
| Noncurrent loans to loans | 2.9358% | 1,190 |
| Net loans and leases to total assets | 86.4303% | 135 |
| Net loans and leases to deposits | 107.2834% | 222 |
| Net loans and leases to core deposits | 109.0554% | 648 |
| Total domestic deposits to total assets | 80.5625% | 5,306 |
| Equity capital to assets | 8.1691% | 5,893 |
| Core capital (leverage) ratio | 8.1866% | 5,989 |
| Tier 1 risk-based capital ratio | 11.1114% | 6,115 |
| Total risk-based capital ratio | 12.3644% | 6,065 |
| Memoranda: | ||
| Average total assets | $177,987,800 | 3,292 |
| Average earning assets | $163,888,600 | 3,291 |
| Average equity | $14,481,000 | 3,969 |
| Average total loans | $157,178,800 | 2,461 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 3,287 |
| Cost of funding earning assets | 0.7876% | 1,395 |
| Net interest margin | 3.4387% | 4,128 |
| Noninterest income to average assets | 0.5782% | 3,279 |
| Noninterest expense to average assets | 3.4023% | 1,820 |
| Loan and lease loss provision to assets | 0.1005% | 3,086 |
| Net operating income to assets | 0.2242% | 5,856 |
| Return on assets (ROA) | 0.2437% | 5,883 |
| Pretax return on assets | 0.2625% | 5,946 |
| Return on Equity (ROE) | 2.9987% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.9987% | 4,531 |
| Net charge-offs to loans | 0.0940% | 3,626 |
| Credit loss provision to net charge-offs | 120.7207% | 1,952 |
| Earnings coverage of net charge-offs (x) | 4.1080% | 3,534 |
| Efficiency ratio | 90.8672% | 928 |
| Assets per employee ($millions) | 3.9870% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 4,884 |
| Loan loss allowance to noncurrent loans | 48.4363% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 2.9898% | 1,238 |
| Noncurrent loans to loans | 2.4677% | 1,765 |
| Net loans and leases to total assets | 88.3046% | 78 |
| Net loans and leases to deposits | 110.1911% | 151 |
| Net loans and leases to core deposits | 112.3659% | 495 |
| Total domestic deposits to total assets | 80.1377% | 5,466 |
| Equity capital to assets | 8.2969% | 5,919 |
| Core capital (leverage) ratio | 8.2314% | 6,030 |
| Tier 1 risk-based capital ratio | 11.1920% | 6,194 |
| Total risk-based capital ratio | 12.4449% | 6,157 |
| Memoranda: | ||
| Average total assets | $177,795,250 | 3,331 |
| Average earning assets | $163,699,000 | 3,323 |
| Average equity | $14,450,500 | 4,026 |
| Average total loans | $157,369,500 | 2,466 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 3,196 |
| Cost of funding earning assets | 0.7826% | 1,511 |
| Net interest margin | 3.4550% | 3,985 |
| Noninterest income to average assets | 0.5902% | 3,251 |
| Noninterest expense to average assets | 3.3866% | 1,852 |
| Loan and lease loss provision to assets | 0.1165% | 2,866 |
| Net operating income to assets | 0.2329% | 5,814 |
| Return on assets (ROA) | 0.2329% | 5,939 |
| Pretax return on assets | 0.2710% | 5,950 |
| Return on Equity (ROE) | 2.8857% | 5,669 |
| Retained earnings to average equity (ytd only) | 2.8857% | 4,475 |
| Net charge-offs to loans | 0.0901% | 3,469 |
| Credit loss provision to net charge-offs | 146.4789% | 1,566 |
| Earnings coverage of net charge-offs (x) | 4.8732% | 3,011 |
| Efficiency ratio | 89.7329% | 1,068 |
| Assets per employee ($millions) | 3.9521% | 3,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,006 |
| Loan loss allowance to noncurrent loans | 101.6181% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.7751% | 2,447 |
| Noncurrent loans to loans | 1.1790% | 3,589 |
| Net loans and leases to total assets | 87.3587% | 108 |
| Net loans and leases to deposits | 110.0336% | 142 |
| Net loans and leases to core deposits | 112.1560% | 484 |
| Total domestic deposits to total assets | 79.3927% | 5,736 |
| Equity capital to assets | 8.1487% | 6,097 |
| Core capital (leverage) ratio | 8.2207% | 5,988 |
| Tier 1 risk-based capital ratio | 11.1180% | 6,284 |
| Total risk-based capital ratio | 12.3705% | 6,260 |
| Memoranda: | ||
| Average total assets | $178,584,330 | 3,333 |
| Average earning assets | $164,575,330 | 3,330 |
| Average equity | $14,415,670 | 4,065 |
| Average total loans | $157,564,330 | 2,471 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 3,062 |
| Cost of funding earning assets | 0.7809% | 1,640 |
| Net interest margin | 3.4778% | 3,797 |
| Noninterest income to average assets | 0.5163% | 3,666 |
| Noninterest expense to average assets | 3.3573% | 1,937 |
| Loan and lease loss provision to assets | 0.1431% | 2,452 |
| Net operating income to assets | 0.2034% | 5,879 |
| Return on assets (ROA) | 0.2034% | 5,990 |
| Pretax return on assets | 0.2213% | 6,038 |
| Return on Equity (ROE) | 2.5317% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.5317% | 4,756 |
| Net charge-offs to loans | 0.1369% | 2,585 |
| Credit loss provision to net charge-offs | 118.5185% | 1,616 |
| Earnings coverage of net charge-offs (x) | 3.0185% | 2,866 |
| Efficiency ratio | 90.2102% | 1,135 |
| Assets per employee ($millions) | 3.7887% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,212 |
| Loan loss allowance to noncurrent loans | 82.7556% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 2,634 |
| Noncurrent loans to loans | 1.4414% | 3,406 |
| Net loans and leases to total assets | 88.5008% | 64 |
| Net loans and leases to deposits | 110.3605% | 124 |
| Net loans and leases to core deposits | 112.7311% | 419 |
| Total domestic deposits to total assets | 80.1924% | 5,714 |
| Equity capital to assets | 8.2717% | 6,205 |
| Core capital (leverage) ratio | 8.1831% | 5,946 |
| Tier 1 risk-based capital ratio | 11.0653% | 6,377 |
| Total risk-based capital ratio | 12.3181% | 6,351 |
| Memoranda: | ||
| Average total assets | $178,954,000 | 3,357 |
| Average earning assets | $164,931,500 | 3,359 |
| Average equity | $14,377,500 | 4,122 |
| Average total loans | $157,723,000 | 2,485 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 3,679 |
| Cost of funding earning assets | 0.9410% | 1,700 |
| Net interest margin | 3.4945% | 4,524 |
| Noninterest income to average assets | 0.6193% | 3,168 |
| Noninterest expense to average assets | 3.3020% | 2,324 |
| Loan and lease loss provision to assets | 0.1802% | 3,373 |
| Net operating income to assets | 0.3058% | 5,448 |
| Return on assets (ROA) | 0.3058% | 5,651 |
| Pretax return on assets | 0.3659% | 5,668 |
| Return on Equity (ROE) | 3.9530% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.9530% | 3,420 |
| Net charge-offs to loans | 0.1729% | 3,994 |
| Credit loss provision to net charge-offs | 120.2206% | 2,386 |
| Earnings coverage of net charge-offs (x) | 3.6434% | 3,645 |
| Efficiency ratio | 85.8104% | 1,446 |
| Assets per employee ($millions) | 4.1733% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,299 |
| Loan loss allowance to noncurrent loans | 68.6064% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.0014% | 2,449 |
| Noncurrent loans to loans | 1.6932% | 3,082 |
| Net loans and leases to total assets | 85.7678% | 136 |
| Net loans and leases to deposits | 106.6340% | 214 |
| Net loans and leases to core deposits | 108.4872% | 591 |
| Total domestic deposits to total assets | 80.4320% | 5,561 |
| Equity capital to assets | 7.8088% | 6,495 |
| Core capital (leverage) ratio | 7.8923% | 6,282 |
| Tier 1 risk-based capital ratio | 10.7390% | 6,457 |
| Total risk-based capital ratio | 11.9906% | 6,424 |
| Memoranda: | ||
| Average total assets | $181,493,800 | 3,295 |
| Average earning assets | $167,693,600 | 3,261 |
| Average equity | $14,040,000 | 4,151 |
| Average total loans | $157,285,000 | 2,467 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 3,781 |
| Cost of funding earning assets | 0.9726% | 1,724 |
| Net interest margin | 3.4873% | 4,693 |
| Noninterest income to average assets | 0.5791% | 3,412 |
| Noninterest expense to average assets | 3.3259% | 2,200 |
| Loan and lease loss provision to assets | 0.1341% | 3,868 |
| Net operating income to assets | 0.2859% | 5,661 |
| Return on assets (ROA) | 0.2859% | 5,864 |
| Pretax return on assets | 0.3448% | 5,859 |
| Return on Equity (ROE) | 3.7043% | 5,406 |
| Retained earnings to average equity (ytd only) | 3.7043% | 4,279 |
| Net charge-offs to loans | 0.1123% | 4,265 |
| Credit loss provision to net charge-offs | 137.8788% | 2,087 |
| Earnings coverage of net charge-offs (x) | 4.9241% | 3,163 |
| Efficiency ratio | 87.4129% | 1,258 |
| Assets per employee ($millions) | 4.0867% | 3,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,451 |
| Loan loss allowance to noncurrent loans | 61.3214% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.2340% | 2,387 |
| Noncurrent loans to loans | 1.9011% | 2,959 |
| Net loans and leases to total assets | 87.0828% | 113 |
| Net loans and leases to deposits | 109.7178% | 163 |
| Net loans and leases to core deposits | 111.8431% | 504 |
| Total domestic deposits to total assets | 79.3698% | 5,792 |
| Equity capital to assets | 7.8954% | 6,638 |
| Core capital (leverage) ratio | 7.8366% | 6,445 |
| Tier 1 risk-based capital ratio | 10.6615% | 6,612 |
| Total risk-based capital ratio | 11.9204% | 6,599 |
| Memoranda: | ||
| Average total assets | $180,960,750 | 3,333 |
| Average earning assets | $167,384,250 | 3,295 |
| Average equity | $13,965,250 | 4,201 |
| Average total loans | $156,770,500 | 2,505 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 3,902 |
| Cost of funding earning assets | 1.0057% | 1,735 |
| Net interest margin | 3.4645% | 4,821 |
| Noninterest income to average assets | 0.5437% | 3,626 |
| Noninterest expense to average assets | 3.3230% | 2,244 |
| Loan and lease loss provision to assets | 0.1489% | 3,658 |
| Net operating income to assets | 0.2382% | 5,802 |
| Return on assets (ROA) | 0.2382% | 5,991 |
| Pretax return on assets | 0.2746% | 6,007 |
| Return on Equity (ROE) | 3.1106% | 5,648 |
| Retained earnings to average equity (ytd only) | 3.1106% | 4,561 |
| Net charge-offs to loans | 0.0986% | 4,183 |
| Credit loss provision to net charge-offs | 175.3247% | 1,610 |
| Earnings coverage of net charge-offs (x) | 4.9870% | 2,940 |
| Efficiency ratio | 88.6959% | 1,175 |
| Assets per employee ($millions) | 3.9818% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,472 |
| Loan loss allowance to noncurrent loans | 68.6021% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.8367% | 2,988 |
| Noncurrent loans to loans | 1.7083% | 3,334 |
| Net loans and leases to total assets | 87.3054% | 101 |
| Net loans and leases to deposits | 106.9393% | 207 |
| Net loans and leases to core deposits | 108.7163% | 630 |
| Total domestic deposits to total assets | 81.6401% | 5,250 |
| Equity capital to assets | 7.8212% | 6,664 |
| Core capital (leverage) ratio | 7.7089% | 6,512 |
| Tier 1 risk-based capital ratio | 10.4979% | 6,694 |
| Total risk-based capital ratio | 11.7476% | 6,681 |
| Memoranda: | ||
| Average total assets | $181,343,000 | 3,331 |
| Average earning assets | $167,641,000 | 3,298 |
| Average equity | $13,888,000 | 4,216 |
| Average total loans | $156,216,000 | 2,519 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 4,323 |
| Cost of funding earning assets | 1.0313% | 1,800 |
| Net interest margin | 3.3713% | 5,235 |
| Noninterest income to average assets | 0.4868% | 4,009 |
| Noninterest expense to average assets | 3.3570% | 2,122 |
| Loan and lease loss provision to assets | 0.2346% | 2,595 |
| Net operating income to assets | 0.0592% | 6,318 |
| Return on assets (ROA) | 0.0592% | 6,434 |
| Pretax return on assets | 0.0132% | 6,507 |
| Return on Equity (ROE) | 0.7812% | 6,388 |
| Retained earnings to average equity (ytd only) | 0.7812% | 5,747 |
| Net charge-offs to loans | 0.2268% | 2,791 |
| Credit loss provision to net charge-offs | 121.5909% | 1,962 |
| Earnings coverage of net charge-offs (x) | 1.2841% | 3,688 |
| Efficiency ratio | 93.1265% | 875 |
| Assets per employee ($millions) | 4.3305% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 5,666 |
| Loan loss allowance to noncurrent loans | 50.0138% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.4648% | 2,400 |
| Noncurrent loans to loans | 2.3224% | 2,787 |
| Net loans and leases to total assets | 84.9628% | 153 |
| Net loans and leases to deposits | 103.6251% | 261 |
| Net loans and leases to core deposits | 105.3165% | 703 |
| Total domestic deposits to total assets | 81.9905% | 5,298 |
| Equity capital to assets | 7.6088% | 6,734 |
| Core capital (leverage) ratio | 7.5576% | 6,593 |
| Tier 1 risk-based capital ratio | 10.3302% | 6,788 |
| Total risk-based capital ratio | 11.5816% | 6,785 |
| Memoranda: | ||
| Average total assets | $182,425,000 | 3,340 |
| Average earning assets | $168,716,000 | 3,307 |
| Average equity | $13,825,000 | 4,232 |
| Average total loans | $155,180,000 | 2,555 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 4,821 |
| Cost of funding earning assets | 1.2476% | 1,748 |
| Net interest margin | 3.3152% | 5,762 |
| Noninterest income to average assets | 0.6613% | 2,828 |
| Noninterest expense to average assets | 3.4288% | 2,174 |
| Loan and lease loss provision to assets | 0.1579% | 4,661 |
| Net operating income to assets | 0.1157% | 5,829 |
| Return on assets (ROA) | 0.1157% | 5,952 |
| Pretax return on assets | 0.1465% | 5,891 |
| Return on Equity (ROE) | 1.5623% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.5623% | 5,097 |
| Net charge-offs to loans | 0.1677% | 4,811 |
| Credit loss provision to net charge-offs | 113.1783% | 2,912 |
| Earnings coverage of net charge-offs (x) | 2.1822% | 4,151 |
| Efficiency ratio | 91.8453% | 1,055 |
| Assets per employee ($millions) | 4.1584% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 5,553 |
| Loan loss allowance to noncurrent loans | 49.4085% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.4523% | 2,483 |
| Noncurrent loans to loans | 2.3602% | 2,776 |
| Net loans and leases to total assets | 83.1927% | 264 |
| Net loans and leases to deposits | 101.2842% | 403 |
| Net loans and leases to core deposits | 103.1896% | 956 |
| Total domestic deposits to total assets | 82.1379% | 5,083 |
| Equity capital to assets | 7.5483% | 6,792 |
| Core capital (leverage) ratio | 7.4041% | 6,699 |
| Tier 1 risk-based capital ratio | 10.3692% | 6,747 |
| Total risk-based capital ratio | 11.6209% | 6,720 |
| Memoranda: | ||
| Average total assets | $184,935,600 | 3,261 |
| Average earning assets | $171,363,000 | 3,213 |
| Average equity | $13,697,600 | 4,190 |
| Average total loans | $153,849,200 | 2,585 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 5,094 |
| Cost of funding earning assets | 1.2911% | 1,761 |
| Net interest margin | 3.2563% | 5,997 |
| Noninterest income to average assets | 0.6457% | 2,910 |
| Noninterest expense to average assets | 3.3622% | 2,302 |
| Loan and lease loss provision to assets | 0.0935% | 5,295 |
| Net operating income to assets | 0.1568% | 5,812 |
| Return on assets (ROA) | 0.1568% | 5,936 |
| Pretax return on assets | 0.2078% | 5,881 |
| Return on Equity (ROE) | 2.1264% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.1264% | 5,074 |
| Net charge-offs to loans | 0.1066% | 4,937 |
| Credit loss provision to net charge-offs | 105.6911% | 3,138 |
| Earnings coverage of net charge-offs (x) | 3.4064% | 3,448 |
| Efficiency ratio | 91.7763% | 1,043 |
| Assets per employee ($millions) | 4.2268% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 5,694 |
| Loan loss allowance to noncurrent loans | 52.9799% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.2696% | 2,822 |
| Noncurrent loans to loans | 2.1648% | 3,158 |
| Net loans and leases to total assets | 81.9826% | 360 |
| Net loans and leases to deposits | 99.5001% | 491 |
| Net loans and leases to core deposits | 101.3905% | 1,127 |
| Total domestic deposits to total assets | 82.3944% | 4,927 |
| Equity capital to assets | 7.4330% | 6,944 |
| Core capital (leverage) ratio | 7.3768% | 6,821 |
| Tier 1 risk-based capital ratio | 10.4075% | 6,817 |
| Total risk-based capital ratio | 11.6589% | 6,800 |
| Memoranda: | ||
| Average total assets | $185,427,500 | 3,269 |
| Average earning assets | $171,845,250 | 3,221 |
| Average equity | $13,669,250 | 4,200 |
| Average total loans | $153,808,500 | 2,611 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5677% | 5,109 |
| Cost of funding earning assets | 1.3447% | 1,679 |
| Net interest margin | 3.2230% | 6,088 |
| Noninterest income to average assets | 0.6035% | 3,117 |
| Noninterest expense to average assets | 3.3221% | 2,487 |
| Loan and lease loss provision to assets | 0.0777% | 5,340 |
| Net operating income to assets | 0.1447% | 5,899 |
| Return on assets (ROA) | 0.1447% | 5,994 |
| Pretax return on assets | 0.1900% | 5,951 |
| Return on Equity (ROE) | 1.9680% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.9680% | 4,994 |
| Net charge-offs to loans | 0.1145% | 4,559 |
| Credit loss provision to net charge-offs | 81.8182% | 3,715 |
| Earnings coverage of net charge-offs (x) | 2.8182% | 3,438 |
| Efficiency ratio | 92.5414% | 1,062 |
| Assets per employee ($millions) | 4.3393% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 5,776 |
| Loan loss allowance to noncurrent loans | 57.9104% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.9749% | 3,269 |
| Noncurrent loans to loans | 1.9775% | 3,516 |
| Net loans and leases to total assets | 80.7755% | 466 |
| Net loans and leases to deposits | 97.8854% | 599 |
| Net loans and leases to core deposits | 99.7597% | 1,363 |
| Total domestic deposits to total assets | 82.5205% | 4,980 |
| Equity capital to assets | 7.3530% | 7,014 |
| Core capital (leverage) ratio | 7.2814% | 6,877 |
| Tier 1 risk-based capital ratio | 10.2289% | 6,907 |
| Total risk-based capital ratio | 11.4799% | 6,891 |
| Memoranda: | ||
| Average total assets | $185,243,000 | 3,295 |
| Average earning assets | $171,638,670 | 3,248 |
| Average equity | $13,617,670 | 4,191 |
| Average total loans | $153,664,330 | 2,631 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 4,941 |
| Cost of funding earning assets | 1.4059% | 1,580 |
| Net interest margin | 3.1953% | 6,082 |
| Noninterest income to average assets | 0.6263% | 2,996 |
| Noninterest expense to average assets | 3.2963% | 2,567 |
| Loan and lease loss provision to assets | 0.0824% | 4,970 |
| Net operating income to assets | 0.1560% | 5,921 |
| Return on assets (ROA) | 0.1560% | 5,978 |
| Pretax return on assets | 0.2081% | 5,920 |
| Return on Equity (ROE) | 2.1229% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.1229% | 4,866 |
| Net charge-offs to loans | 0.0985% | 3,962 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 3.5263% | 2,715 |
| Efficiency ratio | 91.9033% | 1,170 |
| Assets per employee ($millions) | 4.4750% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 5,836 |
| Loan loss allowance to noncurrent loans | 63.4955% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.7921% | 3,586 |
| Noncurrent loans to loans | 1.8155% | 3,808 |
| Net loans and leases to total assets | 82.3477% | 317 |
| Net loans and leases to deposits | 100.0583% | 465 |
| Net loans and leases to core deposits | 101.9989% | 1,203 |
| Total domestic deposits to total assets | 82.2997% | 5,192 |
| Equity capital to assets | 7.4124% | 6,916 |
| Core capital (leverage) ratio | 7.3168% | 6,846 |
| Tier 1 risk-based capital ratio | 10.3706% | 6,878 |
| Total risk-based capital ratio | 11.6217% | 6,858 |
| Memoranda: | ||
| Average total assets | $184,569,500 | 3,329 |
| Average earning assets | $170,999,500 | 3,288 |
| Average equity | $13,566,500 | 4,200 |
| Average total loans | $154,264,000 | 2,638 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 4,944 |
| Cost of funding earning assets | 1.7023% | 1,591 |
| Net interest margin | 3.2120% | 6,244 |
| Noninterest income to average assets | 0.9536% | 1,662 |
| Noninterest expense to average assets | 3.2887% | 2,770 |
| Loan and lease loss provision to assets | 0.1596% | 5,614 |
| Net operating income to assets | 0.3340% | 4,812 |
| Return on assets (ROA) | 0.3340% | 4,972 |
| Pretax return on assets | 0.4771% | 4,703 |
| Return on Equity (ROE) | 4.7672% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.7672% | 2,565 |
| Net charge-offs to loans | 0.4785% | 3,706 |
| Credit loss provision to net charge-offs | 39.7098% | 6,393 |
| Earnings coverage of net charge-offs (x) | 1.5844% | 4,546 |
| Efficiency ratio | 83.7812% | 1,942 |
| Assets per employee ($millions) | 4.3177% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 5,816 |
| Loan loss allowance to noncurrent loans | 70.5082% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 1.6352% | 3,849 |
| Noncurrent loans to loans | 1.6052% | 4,095 |
| Net loans and leases to total assets | 82.9006% | 390 |
| Net loans and leases to deposits | 100.4713% | 547 |
| Net loans and leases to core deposits | 102.3562% | 1,425 |
| Total domestic deposits to total assets | 82.5118% | 5,018 |
| Equity capital to assets | 7.2891% | 7,003 |
| Core capital (leverage) ratio | 7.1871% | 6,917 |
| Tier 1 risk-based capital ratio | 10.0298% | 6,970 |
| Total risk-based capital ratio | 11.2807% | 6,958 |
| Memoranda: | ||
| Average total assets | $188,645,600 | 3,247 |
| Average earning assets | $174,531,600 | 3,195 |
| Average equity | $13,215,200 | 4,325 |
| Average total loans | $158,402,800 | 2,636 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 5,084 |
| Cost of funding earning assets | 1.7100% | 1,820 |
| Net interest margin | 3.2283% | 6,257 |
| Noninterest income to average assets | 0.9722% | 1,546 |
| Noninterest expense to average assets | 3.2595% | 2,709 |
| Loan and lease loss provision to assets | 0.1859% | 5,180 |
| Net operating income to assets | 0.3576% | 4,940 |
| Return on assets (ROA) | 0.3576% | 5,119 |
| Pretax return on assets | 0.5132% | 4,881 |
| Return on Equity (ROE) | 5.1563% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.1563% | 2,868 |
| Net charge-offs to loans | 0.4760% | 3,372 |
| Credit loss provision to net charge-offs | 46.4789% | 5,935 |
| Earnings coverage of net charge-offs (x) | 1.7483% | 4,401 |
| Efficiency ratio | 82.3404% | 2,027 |
| Assets per employee ($millions) | 4.3502% | 3,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 5,456 |
| Loan loss allowance to noncurrent loans | 96.8150% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1130% | 4,890 |
| Noncurrent loans to loans | 1.2482% | 4,765 |
| Net loans and leases to total assets | 83.6902% | 349 |
| Net loans and leases to deposits | 103.3907% | 460 |
| Net loans and leases to core deposits | 105.1680% | 1,391 |
| Total domestic deposits to total assets | 80.9456% | 5,393 |
| Equity capital to assets | 7.1838% | 7,274 |
| Core capital (leverage) ratio | 7.0172% | 7,155 |
| Tier 1 risk-based capital ratio | 10.3920% | 6,836 |
| Total risk-based capital ratio | 11.6451% | 6,836 |
| Memoranda: | ||
| Average total assets | $189,391,500 | 3,283 |
| Average earning assets | $175,197,500 | 3,229 |
| Average equity | $13,135,750 | 4,410 |
| Average total loans | $159,084,250 | 2,673 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 5,070 |
| Cost of funding earning assets | 1.7489% | 1,871 |
| Net interest margin | 3.2233% | 6,247 |
| Noninterest income to average assets | 0.6720% | 2,875 |
| Noninterest expense to average assets | 3.1951% | 2,915 |
| Loan and lease loss provision to assets | 0.1052% | 5,865 |
| Net operating income to assets | 0.2493% | 5,379 |
| Return on assets (ROA) | 0.2493% | 5,518 |
| Pretax return on assets | 0.3492% | 5,373 |
| Return on Equity (ROE) | 3.6364% | 4,950 |
| Retained earnings to average equity (ytd only) | 3.6364% | 3,788 |
| Net charge-offs to loans | 0.5763% | 2,809 |
| Credit loss provision to net charge-offs | 21.7865% | 5,833 |
| Earnings coverage of net charge-offs (x) | 0.9412% | 4,838 |
| Efficiency ratio | 87.5504% | 1,552 |
| Assets per employee ($millions) | 4.3994% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 5,551 |
| Loan loss allowance to noncurrent loans | 67.1238% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 4,202 |
| Noncurrent loans to loans | 1.7591% | 4,047 |
| Net loans and leases to total assets | 82.2832% | 507 |
| Net loans and leases to deposits | 103.1421% | 530 |
| Net loans and leases to core deposits | 104.6095% | 1,575 |
| Total domestic deposits to total assets | 79.7765% | 5,798 |
| Equity capital to assets | 6.9713% | 7,361 |
| Core capital (leverage) ratio | 6.8639% | 7,255 |
| Tier 1 risk-based capital ratio | 10.2230% | 6,898 |
| Total risk-based capital ratio | 11.4758% | 6,869 |
| Memoranda: | ||
| Average total assets | $190,169,000 | 3,298 |
| Average earning assets | $175,657,670 | 3,245 |
| Average equity | $13,035,000 | 4,433 |
| Average total loans | $159,290,670 | 2,704 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 4,718 |
| Cost of funding earning assets | 1.7718% | 2,005 |
| Net interest margin | 3.2915% | 6,004 |
| Noninterest income to average assets | 0.6776% | 2,754 |
| Noninterest expense to average assets | 3.1699% | 2,977 |
| Loan and lease loss provision to assets | 0.1322% | 5,250 |
| Net operating income to assets | 0.2937% | 5,321 |
| Return on assets (ROA) | 0.2937% | 5,451 |
| Pretax return on assets | 0.4154% | 5,247 |
| Return on Equity (ROE) | 4.3215% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.3215% | 3,559 |
| Net charge-offs to loans | 0.1923% | 3,768 |
| Credit loss provision to net charge-offs | 81.8182% | 3,831 |
| Earnings coverage of net charge-offs (x) | 3.3896% | 2,921 |
| Efficiency ratio | 85.2709% | 1,878 |
| Assets per employee ($millions) | 4.4152% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 4,500 |
| Loan loss allowance to noncurrent loans | 91.3422% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4516% | 4,328 |
| Noncurrent loans to loans | 1.5145% | 4,477 |
| Net loans and leases to total assets | 82.7916% | 491 |
| Net loans and leases to deposits | 104.1416% | 520 |
| Net loans and leases to core deposits | 105.6216% | 1,608 |
| Total domestic deposits to total assets | 79.4991% | 5,950 |
| Equity capital to assets | 6.8673% | 7,422 |
| Core capital (leverage) ratio | 6.8502% | 7,326 |
| Tier 1 risk-based capital ratio | 10.0803% | 6,977 |
| Total risk-based capital ratio | 11.3360% | 6,967 |
| Memoranda: | ||
| Average total assets | $190,665,500 | 3,358 |
| Average earning assets | $176,088,000 | 3,306 |
| Average equity | $12,958,500 | 4,485 |
| Average total loans | $160,176,000 | 2,757 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 4,568 |
| Cost of funding earning assets | 2.1168% | 2,384 |
| Net interest margin | 3.3077% | 5,710 |
| Noninterest income to average assets | 1.0062% | 1,550 |
| Noninterest expense to average assets | 3.7210% | 1,861 |
| Loan and lease loss provision to assets | 0.3712% | 4,558 |
| Net operating income to assets | 0.0006% | 5,482 |
| Return on assets (ROA) | 0.0006% | 5,539 |
| Pretax return on assets | -0.0289% | 5,495 |
| Return on Equity (ROE) | 0.0078% | 5,538 |
| Retained earnings to average equity (ytd only) | 0.0078% | 4,905 |
| Net charge-offs to loans | 0.1291% | 5,905 |
| Credit loss provision to net charge-offs | 332.3383% | 982 |
| Earnings coverage of net charge-offs (x) | 3.0647% | 3,535 |
| Efficiency ratio | 91.5766% | 1,598 |
| Assets per employee ($millions) | 3.9077% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 4,349 |
| Loan loss allowance to noncurrent loans | 91.0920% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.3453% | 4,410 |
| Noncurrent loans to loans | 1.5134% | 4,390 |
| Net loans and leases to total assets | 82.9054% | 558 |
| Net loans and leases to deposits | 104.7573% | 610 |
| Net loans and leases to core deposits | 115.2499% | 2,390 |
| Total domestic deposits to total assets | 79.1405% | 5,941 |
| Equity capital to assets | 6.7262% | 7,490 |
| Core capital (leverage) ratio | 6.8681% | 7,332 |
| Tier 1 risk-based capital ratio | 9.4685% | 7,250 |
| Total risk-based capital ratio | 10.7231% | 7,219 |
| Memoranda: | ||
| Average total assets | $179,976,800 | 3,438 |
| Average earning assets | $166,339,600 | 3,405 |
| Average equity | $12,845,400 | 4,548 |
| Average total loans | $155,652,200 | 2,837 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5118% | 4,357 |
| Cost of funding earning assets | 2.1788% | 2,508 |
| Net interest margin | 3.3330% | 5,516 |
| Noninterest income to average assets | 1.0374% | 1,473 |
| Noninterest expense to average assets | 3.9005% | 1,427 |
| Loan and lease loss provision to assets | 0.3350% | 4,331 |
| Net operating income to assets | -0.0572% | 5,820 |
| Return on assets (ROA) | -0.0572% | 5,868 |
| Pretax return on assets | -0.1174% | 5,868 |
| Return on Equity (ROE) | -0.7894% | 5,898 |
| Retained earnings to average equity (ytd only) | -0.7894% | 5,432 |
| Net charge-offs to loans | 0.1434% | 5,266 |
| Credit loss provision to net charge-offs | 268.0723% | 1,580 |
| Earnings coverage of net charge-offs (x) | 1.7409% | 4,493 |
| Efficiency ratio | 94.7166% | 1,355 |
| Assets per employee ($millions) | 3.7640% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 4,785 |
| Loan loss allowance to noncurrent loans | 81.2150% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.6262% | 3,920 |
| Noncurrent loans to loans | 1.5466% | 4,326 |
| Net loans and leases to total assets | 88.4176% | 180 |
| Net loans and leases to deposits | 114.5158% | 309 |
| Net loans and leases to core deposits | 126.0326% | 1,729 |
| Total domestic deposits to total assets | 77.2100% | 6,287 |
| Equity capital to assets | 7.0980% | 7,550 |
| Core capital (leverage) ratio | 7.0318% | 7,413 |
| Tier 1 risk-based capital ratio | 10.0536% | 6,923 |
| Total risk-based capital ratio | 11.3077% | 6,870 |
| Memoranda: | ||
| Average total assets | $177,102,000 | 3,507 |
| Average earning assets | $163,692,750 | 3,479 |
| Average equity | $12,837,000 | 4,576 |
| Average total loans | $154,324,500 | 2,881 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3948% | 5,176 |
| Cost of funding earning assets | 2.2364% | 2,639 |
| Net interest margin | 3.1585% | 6,068 |
| Noninterest income to average assets | 0.8868% | 2,036 |
| Noninterest expense to average assets | 3.9679% | 1,375 |
| Loan and lease loss provision to assets | 0.1546% | 5,525 |
| Net operating income to assets | -0.1815% | 6,156 |
| Return on assets (ROA) | -0.0091% | 5,938 |
| Pretax return on assets | -0.0455% | 5,929 |
| Return on Equity (ROE) | -0.1246% | 5,945 |
| Retained earnings to average equity (ytd only) | -0.1246% | 5,249 |
| Net charge-offs to loans | 0.0606% | 5,657 |
| Credit loss provision to net charge-offs | 295.6522% | 1,577 |
| Earnings coverage of net charge-offs (x) | -3.0652% | 6,406 |
| Efficiency ratio | 104.2102% | 1,023 |
| Assets per employee ($millions) | 3.7418% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,174 |
| Loan loss allowance to noncurrent loans | 72.5946% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.6965% | 3,635 |
| Noncurrent loans to loans | 1.6029% | 4,094 |
| Net loans and leases to total assets | 87.0633% | 297 |
| Net loans and leases to deposits | 111.3366% | 507 |
| Net loans and leases to core deposits | 123.1279% | 2,103 |
| Total domestic deposits to total assets | 78.1983% | 6,025 |
| Equity capital to assets | 7.1429% | 7,524 |
| Core capital (leverage) ratio | 7.1186% | 7,436 |
| Tier 1 risk-based capital ratio | 10.5241% | 6,355 |
| Total risk-based capital ratio | 11.7773% | 6,303 |
| Memoranda: | ||
| Average total assets | $175,912,330 | 3,543 |
| Average earning assets | $162,673,670 | 3,512 |
| Average equity | $12,841,330 | 4,583 |
| Average total loans | $151,840,330 | 2,942 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4075% | 5,387 |
| Cost of funding earning assets | 2.3054% | 2,673 |
| Net interest margin | 3.1021% | 6,192 |
| Noninterest income to average assets | 0.7009% | 2,889 |
| Noninterest expense to average assets | 3.7940% | 1,484 |
| Loan and lease loss provision to assets | 0.2252% | 4,202 |
| Net operating income to assets | -0.4097% | 6,791 |
| Return on assets (ROA) | 0.0804% | 6,205 |
| Pretax return on assets | 0.0896% | 6,189 |
| Return on Equity (ROE) | 1.0897% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.0897% | 5,205 |
| Net charge-offs to loans | 0.1211% | 4,009 |
| Credit loss provision to net charge-offs | 217.7778% | 2,076 |
| Earnings coverage of net charge-offs (x) | -2.2222% | 5,480 |
| Efficiency ratio | 106.4475% | 917 |
| Assets per employee ($millions) | 3.7199% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 4,724 |
| Loan loss allowance to noncurrent loans | 75.8722% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 3,445 |
| Noncurrent loans to loans | 1.5972% | 3,882 |
| Net loans and leases to total assets | 84.1607% | 667 |
| Net loans and leases to deposits | 107.3832% | 766 |
| Net loans and leases to core deposits | 119.1102% | 2,499 |
| Total domestic deposits to total assets | 78.3741% | 5,899 |
| Equity capital to assets | 7.3651% | 7,440 |
| Core capital (leverage) ratio | 7.3381% | 7,337 |
| Tier 1 risk-based capital ratio | 10.6744% | 6,216 |
| Total risk-based capital ratio | 11.9277% | 6,119 |
| Memoranda: | ||
| Average total assets | $174,066,000 | 3,590 |
| Average earning assets | $160,666,000 | 3,557 |
| Average equity | $12,847,500 | 4,614 |
| Average total loans | $148,655,000 | 3,023 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3139% | 3,887 |
| Cost of funding earning assets | 2.7363% | 2,987 |
| Net interest margin | 3.5775% | 4,983 |
| Noninterest income to average assets | 0.8040% | 2,494 |
| Noninterest expense to average assets | 3.5830% | 2,194 |
| Loan and lease loss provision to assets | 0.0935% | 6,194 |
| Net operating income to assets | 0.2830% | 5,599 |
| Return on assets (ROA) | 0.4616% | 4,721 |
| Pretax return on assets | 0.6690% | 4,491 |
| Return on Equity (ROE) | 6.3353% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.3353% | 1,383 |
| Net charge-offs to loans | 0.0924% | 5,410 |
| Credit loss provision to net charge-offs | 115.9420% | 4,656 |
| Earnings coverage of net charge-offs (x) | 6.2464% | 3,409 |
| Efficiency ratio | 87.6752% | 1,702 |
| Assets per employee ($millions) | 3.3979% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 4,698 |
| Loan loss allowance to noncurrent loans | 75.2577% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 3,063 |
| Noncurrent loans to loans | 1.5691% | 3,431 |
| Net loans and leases to total assets | 84.6008% | 794 |
| Net loans and leases to deposits | 108.3705% | 947 |
| Net loans and leases to core deposits | 120.5438% | 2,636 |
| Total domestic deposits to total assets | 78.0663% | 5,696 |
| Equity capital to assets | 7.3966% | 7,468 |
| Core capital (leverage) ratio | 7.3817% | 7,326 |
| Tier 1 risk-based capital ratio | 10.7505% | 5,957 |
| Total risk-based capital ratio | 12.0029% | 5,861 |
| Memoranda: | ||
| Average total assets | $171,143,200 | 3,538 |
| Average earning assets | $157,035,200 | 3,527 |
| Average equity | $12,469,800 | 4,704 |
| Average total loans | $149,381,200 | 2,941 |