Home > Town & Country Bank > Performance and Condition Ratios
Town & Country Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 1,681 |
| Cost of funding earning assets | 0.7215% | 3,893 |
| Net interest margin | 4.4710% | 640 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 1.9859% | 3,665 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.1253% | 382 |
| Return on assets (ROA) | 2.1253% | 375 |
| Pretax return on assets | 2.1253% | 546 |
| Return on Equity (ROE) | 15.6400% | 1,164 |
| Retained earnings to average equity (ytd only) | 3.8558% | 3,013 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.2858% | 4,129 |
| Assets per employee ($millions) | 7.9662% | 1,455 |
| Cash dividends to net income (ytd only)* | 75.3546% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 567 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 62.7000% | 2,608 |
| Net loans and leases to deposits | 73.4881% | 2,655 |
| Net loans and leases to core deposits | 77.4854% | 2,880 |
| Total domestic deposits to total assets | 85.3200% | 2,205 |
| Equity capital to assets | 14.2638% | 637 |
| Core capital (leverage) ratio | 14.1286% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $212,301,200 | 2,896 |
| Average earning assets | $197,787,000 | 2,888 |
| Average equity | $28,840,000 | 2,324 |
| Average total loans | $124,470,000 | 2,910 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1119% | 1,610 |
| Cost of funding earning assets | 0.6963% | 3,772 |
| Net interest margin | 4.4155% | 688 |
| Noninterest income to average assets | 0.0300% | 4,496 |
| Noninterest expense to average assets | 1.9296% | 3,759 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 2.0996% | 435 |
| Return on assets (ROA) | 2.0996% | 428 |
| Pretax return on assets | 2.0996% | 656 |
| Return on Equity (ROE) | 15.6400% | 1,317 |
| Retained earnings to average equity (ytd only) | 15.6367% | 495 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.5463% | 4,106 |
| Assets per employee ($millions) | 7.7315% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 673 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.0600% | 2,442 |
| Net loans and leases to deposits | 75.9569% | 2,424 |
| Net loans and leases to core deposits | 79.9383% | 2,607 |
| Total domestic deposits to total assets | 84.3400% | 2,677 |
| Equity capital to assets | 15.2673% | 506 |
| Core capital (leverage) ratio | 15.0009% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $215,588,000 | 2,880 |
| Average earning assets | $200,861,000 | 2,870 |
| Average equity | $28,948,250 | 2,300 |
| Average total loans | $123,806,000 | 2,915 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 1,740 |
| Cost of funding earning assets | 0.6658% | 3,584 |
| Net interest margin | 4.2458% | 867 |
| Noninterest income to average assets | 0.0300% | 4,529 |
| Noninterest expense to average assets | 1.9034% | 3,814 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.9814% | 482 |
| Return on assets (ROA) | 1.9814% | 481 |
| Pretax return on assets | 1.9814% | 767 |
| Return on Equity (ROE) | 15.4000% | 1,389 |
| Retained earnings to average equity (ytd only) | 15.3978% | 528 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.5737% | 4,087 |
| Assets per employee ($millions) | 8.1233% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 604 |
| 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 | 56.4400% | 3,091 |
| Net loans and leases to deposits | 65.9163% | 3,060 |
| Net loans and leases to core deposits | 68.0460% | 3,232 |
| Total domestic deposits to total assets | 85.6200% | 2,355 |
| Equity capital to assets | 13.9575% | 653 |
| Core capital (leverage) ratio | 14.0943% | 752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $220,444,667 | 2,868 |
| Average earning assets | $206,368,333 | 2,849 |
| Average equity | $28,367,667 | 2,338 |
| Average total loans | $121,399,000 | 2,928 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 1,998 |
| Cost of funding earning assets | 0.6613% | 3,185 |
| Net interest margin | 3.9775% | 1,309 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.9301% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8377% | 634 |
| Return on assets (ROA) | 1.8377% | 621 |
| Pretax return on assets | 1.8377% | 1,007 |
| Return on Equity (ROE) | 14.8700% | 1,575 |
| Retained earnings to average equity (ytd only) | 14.8713% | 817 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.2264% | 3,838 |
| Assets per employee ($millions) | 8.0227% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7117% | 787 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.9300% | 3,126 |
| Net loans and leases to deposits | 63.4887% | 3,131 |
| Net loans and leases to core deposits | 65.1872% | 3,277 |
| Total domestic deposits to total assets | 86.5200% | 2,436 |
| Equity capital to assets | 13.0782% | 742 |
| Core capital (leverage) ratio | 12.6526% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $225,064,500 | 2,877 |
| Average earning assets | $211,086,000 | 2,852 |
| Average equity | $27,812,000 | 2,399 |
| Average total loans | $121,400,000 | 2,961 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4757% | 3,143 |
| Cost of funding earning assets | 0.2052% | 3,709 |
| Net interest margin | 3.2705% | 2,647 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.7009% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4488% | 1,010 |
| Return on assets (ROA) | 1.4488% | 970 |
| Pretax return on assets | 1.4488% | 1,619 |
| Return on Equity (ROE) | 13.2600% | 1,720 |
| Retained earnings to average equity (ytd only) | -2.4013% | 4,503 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.0022% | 3,797 |
| Assets per employee ($millions) | 8.9814% | 925 |
| Cash dividends to net income (ytd only)* | 118.1102% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 799 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 51.2500% | 3,413 |
| Net loans and leases to deposits | 58.3099% | 3,435 |
| Net loans and leases to core deposits | 59.9789% | 3,508 |
| Total domestic deposits to total assets | 87.8900% | 2,109 |
| Equity capital to assets | 11.6887% | 1,022 |
| Core capital (leverage) ratio | 11.2563% | 1,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $262,979,400 | 2,646 |
| Average earning assets | $249,474,400 | 2,620 |
| Average equity | $28,734,200 | 2,395 |
| Average total loans | $123,052,600 | 2,890 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1104% | 3,652 |
| Cost of funding earning assets | 0.1551% | 3,794 |
| Net interest margin | 2.9553% | 3,344 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 1.6472% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2068% | 1,675 |
| Return on assets (ROA) | 1.2068% | 1,649 |
| Pretax return on assets | 1.2068% | 2,343 |
| Return on Equity (ROE) | 11.2100% | 2,297 |
| Retained earnings to average equity (ytd only) | 11.2139% | 996 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.7156% | 3,416 |
| Assets per employee ($millions) | 9.6818% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 789 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 45.9600% | 3,763 |
| Net loans and leases to deposits | 52.4884% | 3,698 |
| Net loans and leases to core deposits | 53.7021% | 3,767 |
| Total domestic deposits to total assets | 87.5600% | 2,572 |
| Equity capital to assets | 12.0893% | 869 |
| Core capital (leverage) ratio | 11.7630% | 1,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $270,345,000 | 2,622 |
| Average earning assets | $256,977,500 | 2,590 |
| Average equity | $29,094,000 | 2,405 |
| Average total loans | $123,378,500 | 2,895 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7658% | 4,035 |
| Cost of funding earning assets | 0.1536% | 3,529 |
| Net interest margin | 2.6122% | 3,883 |
| Noninterest income to average assets | 0.0448% | 4,644 |
| Noninterest expense to average assets | 1.5324% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0089% | 2,120 |
| Return on assets (ROA) | 1.0089% | 2,090 |
| Pretax return on assets | 1.0089% | 2,698 |
| Return on Equity (ROE) | 9.7389% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.7389% | 1,089 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3017% | 3,263 |
| Assets per employee ($millions) | 9.5778% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.9582% | 3,631 |
| Net loans and leases to deposits | 53.1922% | 3,592 |
| Net loans and leases to core deposits | 54.8919% | 3,644 |
| Total domestic deposits to total assets | 88.2804% | 2,470 |
| Equity capital to assets | 11.3612% | 1,077 |
| Core capital (leverage) ratio | 10.4034% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,551,333 | 2,605 |
| Average earning assets | $264,302,333 | 2,576 |
| Average equity | $28,648,000 | 2,487 |
| Average total loans | $125,252,333 | 2,891 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4747% | 4,297 |
| Cost of funding earning assets | 0.1510% | 3,491 |
| Net interest margin | 2.3237% | 4,199 |
| Noninterest income to average assets | 0.0448% | 4,665 |
| Noninterest expense to average assets | 1.4331% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8321% | 2,549 |
| Return on assets (ROA) | 0.8321% | 2,544 |
| Pretax return on assets | 0.8321% | 3,007 |
| Return on Equity (ROE) | 8.4011% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.4011% | 1,453 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2653% | 3,106 |
| Assets per employee ($millions) | 12.5347% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5928% | 1,292 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 42.5527% | 3,846 |
| Net loans and leases to deposits | 47.1831% | 3,919 |
| Net loans and leases to core deposits | 48.4100% | 3,965 |
| Total domestic deposits to total assets | 90.1862% | 1,454 |
| Equity capital to assets | 9.5000% | 2,285 |
| Core capital (leverage) ratio | 10.1787% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,527,000 | 2,575 |
| Average earning assets | $272,839,500 | 2,534 |
| Average equity | $28,282,000 | 2,581 |
| Average total loans | $126,125,500 | 2,891 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2572% | 3,327 |
| Cost of funding earning assets | 0.1727% | 3,744 |
| Net interest margin | 3.0846% | 2,957 |
| Noninterest income to average assets | 0.0937% | 4,633 |
| Noninterest expense to average assets | 1.6409% | 4,373 |
| Loan and lease loss provision to assets | -0.7424% | 4,822 |
| Net operating income to assets | 2.1507% | 267 |
| Return on assets (ROA) | 2.1507% | 281 |
| Pretax return on assets | 2.1507% | 456 |
| Return on Equity (ROE) | 21.3431% | 247 |
| Retained earnings to average equity (ytd only) | 13.6891% | 335 |
| Net charge-offs to loans | -1.1146% | 4,794 |
| Credit loss provision to net charge-offs | 126.2295% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8131% | 3,950 |
| Assets per employee ($millions) | 11.2593% | 473 |
| Cash dividends to net income (ytd only)* | 35.8616% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6960% | 1,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 44.4431% | 3,806 |
| Net loans and leases to deposits | 49.7743% | 3,903 |
| Net loans and leases to core deposits | 51.2331% | 3,948 |
| Total domestic deposits to total assets | 89.2892% | 1,355 |
| Equity capital to assets | 10.3563% | 2,316 |
| Core capital (leverage) ratio | 10.0642% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,311,400 | 2,664 |
| Average earning assets | $248,462,000 | 2,625 |
| Average equity | $26,130,200 | 2,775 |
| Average total loans | $136,814,400 | 2,762 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3254% | 3,322 |
| Cost of funding earning assets | 0.1741% | 3,884 |
| Net interest margin | 3.1514% | 2,889 |
| Noninterest income to average assets | 0.0385% | 4,819 |
| Noninterest expense to average assets | 1.6078% | 4,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4508% | 1,395 |
| Return on assets (ROA) | 1.4508% | 1,452 |
| Pretax return on assets | 1.4508% | 2,148 |
| Return on Equity (ROE) | 14.5036% | 1,256 |
| Retained earnings to average equity (ytd only) | 14.5036% | 457 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5654% | 3,975 |
| Assets per employee ($millions) | 10.6576% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9082% | 755 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 1,944 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 47.6925% | 3,654 |
| Net loans and leases to deposits | 53.1889% | 3,803 |
| Net loans and leases to core deposits | 54.7866% | 3,863 |
| Total domestic deposits to total assets | 89.6663% | 933 |
| Equity capital to assets | 10.2087% | 2,699 |
| Core capital (leverage) ratio | 10.4656% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,583,750 | 2,702 |
| Average earning assets | $245,897,500 | 2,664 |
| Average equity | $25,666,500 | 2,837 |
| Average total loans | $140,476,250 | 2,761 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0766% | 3,914 |
| Cost of funding earning assets | 0.1795% | 3,955 |
| Net interest margin | 2.8971% | 3,584 |
| Noninterest income to average assets | 0.0276% | 4,874 |
| Noninterest expense to average assets | 1.6013% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2041% | 2,179 |
| Return on assets (ROA) | 1.2041% | 2,250 |
| Pretax return on assets | 1.2041% | 2,899 |
| Return on Equity (ROE) | 12.1247% | 2,012 |
| Retained earnings to average equity (ytd only) | 12.1247% | 887 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0785% | 3,398 |
| Assets per employee ($millions) | 10.9240% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 970 |
| Loan loss allowance to noncurrent loans | 152.4985% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 1,344 |
| Noncurrent loans to loans | 1.1480% | 1,054 |
| Net loans and leases to total assets | 52.9127% | 3,265 |
| Net loans and leases to deposits | 58.8199% | 3,473 |
| Net loans and leases to core deposits | 60.4767% | 3,587 |
| Total domestic deposits to total assets | 89.9572% | 802 |
| Equity capital to assets | 9.8914% | 2,957 |
| Core capital (leverage) ratio | 10.2672% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,298,333 | 2,721 |
| Average earning assets | $242,865,000 | 2,676 |
| Average equity | $25,155,333 | 2,869 |
| Average total loans | $144,120,333 | 2,741 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0154% | 4,044 |
| Cost of funding earning assets | 0.1862% | 4,034 |
| Net interest margin | 2.8292% | 3,691 |
| Noninterest income to average assets | 0.0530% | 4,842 |
| Noninterest expense to average assets | 1.5511% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2135% | 2,094 |
| Return on assets (ROA) | 1.2135% | 2,180 |
| Pretax return on assets | 1.2135% | 2,811 |
| Return on Equity (ROE) | 12.1845% | 1,950 |
| Retained earnings to average equity (ytd only) | 12.1845% | 1,106 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1047% | 3,535 |
| Assets per employee ($millions) | 9.6627% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 1,118 |
| Loan loss allowance to noncurrent loans | 147.5821% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 1,413 |
| Noncurrent loans to loans | 1.1308% | 1,185 |
| Net loans and leases to total assets | 57.9750% | 2,809 |
| Net loans and leases to deposits | 64.5057% | 3,079 |
| Net loans and leases to core deposits | 66.6322% | 3,190 |
| Total domestic deposits to total assets | 89.8758% | 879 |
| Equity capital to assets | 10.0160% | 2,693 |
| Core capital (leverage) ratio | 10.1484% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,859,000 | 2,732 |
| Average earning assets | $238,509,500 | 2,687 |
| Average equity | $24,785,500 | 2,887 |
| Average total loans | $145,582,000 | 2,738 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 2,600 |
| Cost of funding earning assets | 0.3377% | 3,935 |
| Net interest margin | 3.7046% | 1,783 |
| Noninterest income to average assets | 0.0874% | 4,778 |
| Noninterest expense to average assets | 2.0041% | 4,133 |
| Loan and lease loss provision to assets | 0.2324% | 1,673 |
| Net operating income to assets | 1.3593% | 1,107 |
| Return on assets (ROA) | 1.3593% | 1,198 |
| Pretax return on assets | 1.3593% | 1,787 |
| Return on Equity (ROE) | 12.7042% | 1,117 |
| Retained earnings to average equity (ytd only) | 12.7042% | 258 |
| Net charge-offs to loans | 0.0181% | 2,721 |
| Credit loss provision to net charge-offs | 2,000.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 136.9600% | 621 |
| Efficiency ratio | 55.7337% | 4,017 |
| Assets per employee ($millions) | 9.8596% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7282% | 982 |
| Loan loss allowance to noncurrent loans | 142.9728% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 1,486 |
| Noncurrent loans to loans | 1.2087% | 1,154 |
| Net loans and leases to total assets | 57.0289% | 3,199 |
| Net loans and leases to deposits | 63.3966% | 3,485 |
| Net loans and leases to core deposits | 65.4465% | 3,588 |
| Total domestic deposits to total assets | 89.9557% | 582 |
| Equity capital to assets | 9.9023% | 3,215 |
| Core capital (leverage) ratio | 9.7722% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $215,113,800 | 2,828 |
| Average earning assets | $203,719,600 | 2,796 |
| Average equity | $23,016,000 | 2,937 |
| Average total loans | $138,042,400 | 2,771 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 1,711 |
| Cost of funding earning assets | 0.3743% | 3,936 |
| Net interest margin | 4.0719% | 944 |
| Noninterest income to average assets | 0.0875% | 4,799 |
| Noninterest expense to average assets | 2.1022% | 3,940 |
| Loan and lease loss provision to assets | 0.3218% | 1,225 |
| Net operating income to assets | 1.5052% | 895 |
| Return on assets (ROA) | 1.5052% | 980 |
| Pretax return on assets | 1.5052% | 1,439 |
| Return on Equity (ROE) | 13.7636% | 927 |
| Retained earnings to average equity (ytd only) | 13.7636% | 265 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5036% | 4,201 |
| Assets per employee ($millions) | 10.1915% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 968 |
| Loan loss allowance to noncurrent loans | 312.5156% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 2,832 |
| Noncurrent loans to loans | 0.5310% | 2,473 |
| Net loans and leases to total assets | 60.5021% | 3,165 |
| Net loans and leases to deposits | 70.3174% | 3,285 |
| Net loans and leases to core deposits | 72.6603% | 3,419 |
| Total domestic deposits to total assets | 86.0414% | 2,050 |
| Equity capital to assets | 9.7402% | 3,483 |
| Core capital (leverage) ratio | 10.3245% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,270,000 | 2,864 |
| Average earning assets | $195,548,250 | 2,849 |
| Average equity | $22,668,000 | 2,964 |
| Average total loans | $136,792,500 | 2,787 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0517% | 757 |
| Cost of funding earning assets | 0.4139% | 3,975 |
| Net interest margin | 4.6378% | 390 |
| Noninterest income to average assets | 0.1027% | 4,773 |
| Noninterest expense to average assets | 2.3097% | 3,487 |
| Loan and lease loss provision to assets | 0.5133% | 677 |
| Net operating income to assets | 1.6394% | 694 |
| Return on assets (ROA) | 1.6394% | 760 |
| Pretax return on assets | 1.6394% | 1,130 |
| Return on Equity (ROE) | 14.3340% | 820 |
| Retained earnings to average equity (ytd only) | 14.3340% | 254 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7598% | 4,375 |
| Assets per employee ($millions) | 8.7405% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 68.7387% | 2,227 |
| Net loans and leases to deposits | 81.1395% | 2,297 |
| Net loans and leases to core deposits | 83.5403% | 2,651 |
| Total domestic deposits to total assets | 84.7167% | 2,499 |
| Equity capital to assets | 10.5623% | 2,699 |
| Core capital (leverage) ratio | 11.0187% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,828,333 | 2,949 |
| Average earning assets | $183,145,667 | 2,926 |
| Average equity | $22,282,667 | 2,980 |
| Average total loans | $132,229,333 | 2,838 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,988 |
| Cost of funding earning assets | 0.5014% | 3,939 |
| Net interest margin | 4.1020% | 1,132 |
| Noninterest income to average assets | 0.0940% | 4,846 |
| Noninterest expense to average assets | 2.1947% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7444% | 463 |
| Return on assets (ROA) | 1.7444% | 509 |
| Pretax return on assets | 1.7444% | 782 |
| Return on Equity (ROE) | 14.5860% | 603 |
| Retained earnings to average equity (ytd only) | 14.5860% | 217 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7159% | 4,235 |
| Assets per employee ($millions) | 7.6898% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 64.7013% | 2,980 |
| Net loans and leases to deposits | 73.3104% | 3,334 |
| Net loans and leases to core deposits | 75.1762% | 3,555 |
| Total domestic deposits to total assets | 88.2567% | 995 |
| Equity capital to assets | 11.5909% | 2,363 |
| Core capital (leverage) ratio | 12.2297% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,986,000 | 3,023 |
| Average earning assets | $171,525,500 | 3,004 |
| Average equity | $21,884,000 | 3,002 |
| Average total loans | $121,994,000 | 2,933 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0185% | 1,429 |
| Cost of funding earning assets | 0.6482% | 3,420 |
| Net interest margin | 4.3702% | 950 |
| Noninterest income to average assets | 0.0918% | 4,949 |
| Noninterest expense to average assets | 2.3037% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8776% | 453 |
| Return on assets (ROA) | 1.8776% | 472 |
| Pretax return on assets | 1.8776% | 785 |
| Return on Equity (ROE) | 14.3359% | 836 |
| Retained earnings to average equity (ytd only) | -3.8626% | 4,946 |
| Net charge-offs to loans | -0.0196% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0948% | 4,314 |
| Assets per employee ($millions) | 6.9491% | 1,059 |
| Cash dividends to net income (ytd only)* | 126.9438% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 803 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 66.5464% | 2,888 |
| Net loans and leases to deposits | 76.0616% | 3,174 |
| Net loans and leases to core deposits | 77.9614% | 3,452 |
| Total domestic deposits to total assets | 87.4901% | 1,369 |
| Equity capital to assets | 12.3671% | 1,906 |
| Core capital (leverage) ratio | 12.6716% | 1,394 |
| Tier 1 risk-based capital ratio | 16.6924% | 2,159 |
| Total risk-based capital ratio | 17.9472% | 2,090 |
| Memoranda: | ||
| Average total assets | $167,818,600 | 3,123 |
| Average earning assets | $157,040,000 | 3,113 |
| Average equity | $21,979,800 | 2,959 |
| Average total loans | $112,501,600 | 3,046 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 1,225 |
| Cost of funding earning assets | 0.6523% | 3,442 |
| Net interest margin | 4.4747% | 812 |
| Noninterest income to average assets | 0.0914% | 5,015 |
| Noninterest expense to average assets | 2.2764% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.0047% | 394 |
| Return on assets (ROA) | 2.0047% | 410 |
| Pretax return on assets | 2.0047% | 678 |
| Return on Equity (ROE) | 15.0862% | 760 |
| Retained earnings to average equity (ytd only) | 3.0221% | 3,877 |
| Net charge-offs to loans | -0.0264% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1736% | 4,477 |
| Assets per employee ($millions) | 6.2737% | 1,408 |
| Cash dividends to net income (ytd only)* | 79.9681% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7517% | 741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 68.6667% | 2,681 |
| Net loans and leases to deposits | 80.0445% | 2,891 |
| Net loans and leases to core deposits | 82.3369% | 3,226 |
| Total domestic deposits to total assets | 85.7857% | 2,089 |
| Equity capital to assets | 13.9998% | 1,150 |
| Core capital (leverage) ratio | 13.7422% | 1,063 |
| Tier 1 risk-based capital ratio | 18.3151% | 1,728 |
| Total risk-based capital ratio | 19.5704% | 1,697 |
| Memoranda: | ||
| Average total assets | $166,341,500 | 3,173 |
| Average earning assets | $155,747,250 | 3,158 |
| Average equity | $22,103,500 | 2,976 |
| Average total loans | $111,225,500 | 3,100 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1370% | 1,133 |
| Cost of funding earning assets | 0.6450% | 3,438 |
| Net interest margin | 4.4920% | 785 |
| Noninterest income to average assets | 0.0836% | 5,091 |
| Noninterest expense to average assets | 2.2746% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0106% | 379 |
| Return on assets (ROA) | 2.0106% | 402 |
| Pretax return on assets | 2.0106% | 667 |
| Return on Equity (ROE) | 15.3985% | 685 |
| Retained earnings to average equity (ytd only) | -2.9004% | 4,968 |
| Net charge-offs to loans | -0.0399% | 4,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0806% | 4,554 |
| Assets per employee ($millions) | 6.4060% | 1,282 |
| Cash dividends to net income (ytd only)* | 118.8354% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8047% | 675 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 65.2383% | 3,201 |
| Net loans and leases to deposits | 75.3112% | 3,388 |
| Net loans and leases to core deposits | 78.4660% | 3,544 |
| Total domestic deposits to total assets | 86.6250% | 1,763 |
| Equity capital to assets | 13.2195% | 1,479 |
| Core capital (leverage) ratio | 13.0576% | 1,268 |
| Tier 1 risk-based capital ratio | 18.5414% | 1,654 |
| Total risk-based capital ratio | 19.7980% | 1,618 |
| Memoranda: | ||
| Average total assets | $167,416,330 | 3,181 |
| Average earning assets | $156,589,000 | 3,162 |
| Average equity | $21,859,330 | 2,984 |
| Average total loans | $110,299,330 | 3,132 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 874 |
| Cost of funding earning assets | 0.6306% | 3,402 |
| Net interest margin | 4.5902% | 621 |
| Noninterest income to average assets | 0.0929% | 5,106 |
| Noninterest expense to average assets | 2.2616% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1162% | 309 |
| Return on assets (ROA) | 2.1162% | 326 |
| Pretax return on assets | 2.1162% | 507 |
| Return on Equity (ROE) | 16.3085% | 558 |
| Retained earnings to average equity (ytd only) | -20.4224% | 5,259 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6603% | 4,720 |
| Assets per employee ($millions) | 6.2667% | 1,368 |
| Cash dividends to net income (ytd only)* | 225.2252% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 62.8128% | 3,422 |
| Net loans and leases to deposits | 72.3617% | 3,576 |
| Net loans and leases to core deposits | 78.3975% | 3,489 |
| Total domestic deposits to total assets | 86.8039% | 1,911 |
| Equity capital to assets | 13.0261% | 1,437 |
| Core capital (leverage) ratio | 12.6874% | 1,410 |
| Tier 1 risk-based capital ratio | 19.1415% | 1,519 |
| Total risk-based capital ratio | 20.3989% | 1,488 |
| Memoranda: | ||
| Average total assets | $167,846,000 | 3,214 |
| Average earning assets | $156,681,500 | 3,199 |
| Average equity | $21,780,000 | 2,995 |
| Average total loans | $110,121,000 | 3,167 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 865 |
| Cost of funding earning assets | 0.4504% | 3,676 |
| Net interest margin | 4.6396% | 557 |
| Noninterest income to average assets | 0.1146% | 5,099 |
| Noninterest expense to average assets | 2.3221% | 4,071 |
| Loan and lease loss provision to assets | -1.7338% | 5,404 |
| Net operating income to assets | 3.8639% | 51 |
| Return on assets (ROA) | 3.8639% | 51 |
| Pretax return on assets | 3.8639% | 59 |
| Return on Equity (ROE) | 32.8501% | 25 |
| Retained earnings to average equity (ytd only) | 32.8501% | 7 |
| Net charge-offs to loans | -1.6347% | 5,367 |
| Credit loss provision to net charge-offs | 148.0698% | 1,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1558% | 4,785 |
| Assets per employee ($millions) | 6.6445% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7037% | 830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 65.9585% | 3,140 |
| Net loans and leases to deposits | 75.8677% | 3,359 |
| Net loans and leases to core deposits | 81.8680% | 3,274 |
| Total domestic deposits to total assets | 86.9389% | 1,805 |
| Equity capital to assets | 12.9291% | 1,383 |
| Core capital (leverage) ratio | 13.4776% | 1,085 |
| Tier 1 risk-based capital ratio | 17.7108% | 1,846 |
| Total risk-based capital ratio | 18.9654% | 1,793 |
| Memoranda: | ||
| Average total assets | $161,492,800 | 3,254 |
| Average earning assets | $150,981,800 | 3,233 |
| Average equity | $18,995,400 | 3,183 |
| Average total loans | $115,677,200 | 3,049 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1080% | 746 |
| Cost of funding earning assets | 0.3958% | 3,891 |
| Net interest margin | 4.7122% | 460 |
| Noninterest income to average assets | 0.1160% | 5,152 |
| Noninterest expense to average assets | 2.3376% | 4,001 |
| Loan and lease loss provision to assets | -0.6722% | 5,463 |
| Net operating income to assets | 2.8619% | 92 |
| Return on assets (ROA) | 2.8619% | 91 |
| Pretax return on assets | 2.8619% | 131 |
| Return on Equity (ROE) | 25.0064% | 87 |
| Retained earnings to average equity (ytd only) | 25.0064% | 23 |
| Net charge-offs to loans | -2.0216% | 5,438 |
| Credit loss provision to net charge-offs | 45.6361% | 2,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6333% | 4,845 |
| Assets per employee ($millions) | 6.0225% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3626% | 96 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 67.8144% | 2,975 |
| Net loans and leases to deposits | 77.2011% | 3,305 |
| Net loans and leases to core deposits | 83.6407% | 3,181 |
| Total domestic deposits to total assets | 87.8412% | 1,317 |
| Equity capital to assets | 11.9933% | 1,911 |
| Core capital (leverage) ratio | 12.3787% | 1,567 |
| Tier 1 risk-based capital ratio | 16.1176% | 2,401 |
| Total risk-based capital ratio | 17.3923% | 2,337 |
| Memoranda: | ||
| Average total assets | $158,676,750 | 3,323 |
| Average earning assets | $148,547,750 | 3,291 |
| Average equity | $18,160,250 | 3,298 |
| Average total loans | $115,615,750 | 3,072 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0002% | 822 |
| Cost of funding earning assets | 0.3585% | 4,019 |
| Net interest margin | 4.6417% | 504 |
| Noninterest income to average assets | 0.1284% | 5,165 |
| Noninterest expense to average assets | 2.3512% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1212% | 300 |
| Return on assets (ROA) | 2.1212% | 292 |
| Pretax return on assets | 2.1212% | 466 |
| Return on Equity (ROE) | 18.8449% | 342 |
| Retained earnings to average equity (ytd only) | 18.8449% | 83 |
| Net charge-offs to loans | -0.0810% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5718% | 4,828 |
| Assets per employee ($millions) | 6.5374% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5309% | 236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 75.0712% | 1,780 |
| Net loans and leases to deposits | 85.7813% | 2,343 |
| Net loans and leases to core deposits | 93.7299% | 2,243 |
| Total domestic deposits to total assets | 87.5146% | 1,639 |
| Equity capital to assets | 12.3417% | 1,637 |
| Core capital (leverage) ratio | 11.7835% | 1,847 |
| Tier 1 risk-based capital ratio | 14.9356% | 2,904 |
| Total risk-based capital ratio | 16.2003% | 2,820 |
| Memoranda: | ||
| Average total assets | $157,366,670 | 3,353 |
| Average earning assets | $147,273,670 | 3,331 |
| Average equity | $17,713,000 | 3,363 |
| Average total loans | $116,118,330 | 3,081 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 1,103 |
| Cost of funding earning assets | 0.3208% | 4,194 |
| Net interest margin | 4.4694% | 657 |
| Noninterest income to average assets | 0.1392% | 5,172 |
| Noninterest expense to average assets | 2.3348% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9966% | 380 |
| Return on assets (ROA) | 1.9966% | 378 |
| Pretax return on assets | 1.9966% | 573 |
| Return on Equity (ROE) | 18.5761% | 354 |
| Retained earnings to average equity (ytd only) | 18.5761% | 133 |
| Net charge-offs to loans | 0.7328% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.7700% | 2,359 |
| Efficiency ratio | 53.9036% | 4,810 |
| Assets per employee ($millions) | 7.3135% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2917% | 326 |
| Loan loss allowance to noncurrent loans | 563.5021% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 3,674 |
| Noncurrent loans to loans | 0.4067% | 3,330 |
| Net loans and leases to total assets | 70.7782% | 2,360 |
| Net loans and leases to deposits | 79.6458% | 2,850 |
| Net loans and leases to core deposits | 88.1322% | 2,619 |
| Total domestic deposits to total assets | 88.8662% | 1,167 |
| Equity capital to assets | 10.9959% | 2,584 |
| Core capital (leverage) ratio | 11.1251% | 2,316 |
| Tier 1 risk-based capital ratio | 13.5796% | 3,613 |
| Total risk-based capital ratio | 14.8402% | 3,518 |
| Memoranda: | ||
| Average total assets | $160,870,000 | 3,344 |
| Average earning assets | $150,892,000 | 3,317 |
| Average equity | $17,291,000 | 3,437 |
| Average total loans | $116,273,500 | 3,111 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 725 |
| Cost of funding earning assets | 0.2889% | 4,231 |
| Net interest margin | 4.6528% | 449 |
| Noninterest income to average assets | 2.1259% | 270 |
| Noninterest expense to average assets | 2.2154% | 4,498 |
| Loan and lease loss provision to assets | -0.3221% | 5,620 |
| Net operating income to assets | 4.5481% | 37 |
| Return on assets (ROA) | 4.5481% | 37 |
| Pretax return on assets | 4.5481% | 56 |
| Return on Equity (ROE) | 39.2991% | 18 |
| Retained earnings to average equity (ytd only) | 39.2991% | 6 |
| Net charge-offs to loans | -0.2630% | 5,551 |
| Credit loss provision to net charge-offs | 167.2241% | 1,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3934% | 5,602 |
| Assets per employee ($millions) | 6.4337% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4863% | 249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.3245% | 2,476 |
| Net loans and leases to deposits | 78.6806% | 3,042 |
| Net loans and leases to core deposits | 87.0045% | 2,824 |
| Total domestic deposits to total assets | 89.3797% | 832 |
| Equity capital to assets | 10.5009% | 3,169 |
| Core capital (leverage) ratio | 10.7137% | 2,630 |
| Tier 1 risk-based capital ratio | 13.7887% | 3,475 |
| Total risk-based capital ratio | 15.0529% | 3,384 |
| Memoranda: | ||
| Average total assets | $155,230,800 | 3,412 |
| Average earning assets | $143,978,600 | 3,401 |
| Average equity | $17,964,800 | 3,367 |
| Average total loans | $113,689,600 | 3,133 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0685% | 533 |
| Cost of funding earning assets | 0.2802% | 4,311 |
| Net interest margin | 4.7883% | 346 |
| Noninterest income to average assets | 2.8273% | 196 |
| Noninterest expense to average assets | 2.2102% | 4,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 5.0453% | 38 |
| Return on assets (ROA) | 5.0453% | 38 |
| Pretax return on assets | 5.0453% | 52 |
| Return on Equity (ROE) | 42.5653% | 14 |
| Retained earnings to average equity (ytd only) | 42.5653% | 4 |
| Net charge-offs to loans | -0.2617% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.4623% | 5,691 |
| Assets per employee ($millions) | 6.4061% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9535% | 160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 70.6757% | 2,462 |
| Net loans and leases to deposits | 80.6258% | 2,908 |
| Net loans and leases to core deposits | 89.3778% | 2,664 |
| Total domestic deposits to total assets | 87.6589% | 1,542 |
| Equity capital to assets | 12.1336% | 1,880 |
| Core capital (leverage) ratio | 12.3710% | 1,473 |
| Tier 1 risk-based capital ratio | 16.1450% | 2,439 |
| Total risk-based capital ratio | 17.4161% | 2,381 |
| Memoranda: | ||
| Average total assets | $153,827,750 | 3,453 |
| Average earning assets | $142,261,250 | 3,448 |
| Average equity | $18,233,500 | 3,364 |
| Average total loans | $113,113,000 | 3,172 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 465 |
| Cost of funding earning assets | 0.2750% | 4,336 |
| Net interest margin | 4.8312% | 304 |
| Noninterest income to average assets | 3.9817% | 148 |
| Noninterest expense to average assets | 2.1865% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 6.2487% | 29 |
| Return on assets (ROA) | 6.2487% | 29 |
| Pretax return on assets | 6.2487% | 39 |
| Return on Equity (ROE) | 53.1366% | 12 |
| Retained earnings to average equity (ytd only) | 53.1366% | 6 |
| Net charge-offs to loans | -0.3771% | 5,671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.9208% | 5,753 |
| Assets per employee ($millions) | 6.0030% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8214% | 197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 75.7155% | 1,582 |
| Net loans and leases to deposits | 85.9850% | 2,225 |
| Net loans and leases to core deposits | 94.9084% | 2,078 |
| Total domestic deposits to total assets | 88.0566% | 1,429 |
| Equity capital to assets | 11.7561% | 2,110 |
| Core capital (leverage) ratio | 11.2520% | 2,178 |
| Tier 1 risk-based capital ratio | 14.0959% | 3,378 |
| Total risk-based capital ratio | 15.3638% | 3,276 |
| Memoranda: | ||
| Average total assets | $153,855,000 | 3,468 |
| Average earning assets | $141,827,330 | 3,466 |
| Average equity | $18,093,000 | 3,385 |
| Average total loans | $113,494,670 | 3,174 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3692% | 288 |
| Cost of funding earning assets | 0.2631% | 4,423 |
| Net interest margin | 5.1061% | 183 |
| Noninterest income to average assets | 7.7768% | 78 |
| Noninterest expense to average assets | 2.2807% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 10.1807% | 16 |
| Return on assets (ROA) | 10.1807% | 16 |
| Pretax return on assets | 10.1807% | 22 |
| Return on Equity (ROE) | 86.5597% | 9 |
| Retained earnings to average equity (ytd only) | 86.5597% | 4 |
| Net charge-offs to loans | -0.7586% | 5,769 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.3017% | 5,837 |
| Assets per employee ($millions) | 7.0603% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8994% | 198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 67.9964% | 2,682 |
| Net loans and leases to deposits | 77.9012% | 2,980 |
| Net loans and leases to core deposits | 85.2879% | 2,785 |
| Total domestic deposits to total assets | 87.2854% | 2,079 |
| Equity capital to assets | 12.5003% | 1,533 |
| Core capital (leverage) ratio | 14.1495% | 801 |
| Tier 1 risk-based capital ratio | 16.0646% | 2,522 |
| Total risk-based capital ratio | 17.3323% | 2,467 |
| Memoranda: | ||
| Average total assets | $155,745,000 | 3,479 |
| Average earning assets | $142,888,500 | 3,485 |
| Average equity | $18,318,000 | 3,369 |
| Average total loans | $111,777,500 | 3,224 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 1,140 |
| Cost of funding earning assets | 0.2758% | 4,303 |
| Net interest margin | 4.3857% | 800 |
| Noninterest income to average assets | 0.1839% | 5,300 |
| Noninterest expense to average assets | 2.9355% | 2,545 |
| Loan and lease loss provision to assets | -0.5194% | 5,879 |
| Net operating income to assets | 1.7527% | 488 |
| Return on assets (ROA) | 1.7527% | 511 |
| Pretax return on assets | 1.7527% | 883 |
| Return on Equity (ROE) | 15.4033% | 576 |
| Retained earnings to average equity (ytd only) | 15.4033% | 100 |
| Net charge-offs to loans | -0.2623% | 5,780 |
| Credit loss provision to net charge-offs | 267.1480% | 1,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4159% | 2,840 |
| Assets per employee ($millions) | 5.9641% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8086% | 221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9772% | 1,938 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 71.5986% | 2,222 |
| Net loans and leases to deposits | 80.5747% | 2,831 |
| Net loans and leases to core deposits | 87.7674% | 2,697 |
| Total domestic deposits to total assets | 88.8600% | 1,176 |
| Equity capital to assets | 10.9569% | 2,662 |
| Core capital (leverage) ratio | 11.5974% | 1,865 |
| Tier 1 risk-based capital ratio | 13.3765% | 3,846 |
| Total risk-based capital ratio | 14.6433% | 3,735 |
| Memoranda: | ||
| Average total assets | $142,462,400 | 3,634 |
| Average earning assets | $129,442,200 | 3,657 |
| Average equity | $16,210,800 | 3,662 |
| Average total loans | $105,603,800 | 3,279 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 1,089 |
| Cost of funding earning assets | 0.2806% | 4,288 |
| Net interest margin | 4.4096% | 761 |
| Noninterest income to average assets | 0.1913% | 5,319 |
| Noninterest expense to average assets | 2.7953% | 3,025 |
| Loan and lease loss provision to assets | -0.2273% | 5,879 |
| Net operating income to assets | 1.6268% | 688 |
| Return on assets (ROA) | 1.6268% | 728 |
| Pretax return on assets | 1.6268% | 1,313 |
| Return on Equity (ROE) | 14.1577% | 790 |
| Retained earnings to average equity (ytd only) | 14.1577% | 162 |
| Net charge-offs to loans | -0.2984% | 5,838 |
| Credit loss provision to net charge-offs | 102.5641% | 2,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6366% | 3,479 |
| Assets per employee ($millions) | 5.0641% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4307% | 125 |
| Loan loss allowance to noncurrent loans | 350.6931% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 1.7398% | 965 |
| Noncurrent loans to loans | 0.9783% | 2,284 |
| Net loans and leases to total assets | 70.3130% | 2,450 |
| Net loans and leases to deposits | 79.8164% | 2,992 |
| Net loans and leases to core deposits | 83.7387% | 3,153 |
| Total domestic deposits to total assets | 88.0935% | 1,355 |
| Equity capital to assets | 11.6816% | 2,374 |
| Core capital (leverage) ratio | 11.7261% | 1,861 |
| Tier 1 risk-based capital ratio | 14.5968% | 3,236 |
| Total risk-based capital ratio | 15.8707% | 3,167 |
| Memoranda: | ||
| Average total assets | $140,802,500 | 3,681 |
| Average earning assets | $127,838,500 | 3,705 |
| Average equity | $16,179,250 | 3,701 |
| Average total loans | $104,544,750 | 3,317 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 1,115 |
| Cost of funding earning assets | 0.2799% | 4,347 |
| Net interest margin | 4.3912% | 780 |
| Noninterest income to average assets | 0.1125% | 5,733 |
| Noninterest expense to average assets | 2.8290% | 2,925 |
| Loan and lease loss provision to assets | -0.3417% | 5,989 |
| Net operating income to assets | 1.6018% | 722 |
| Return on assets (ROA) | 1.6018% | 768 |
| Pretax return on assets | 1.6018% | 1,373 |
| Return on Equity (ROE) | 14.0178% | 825 |
| Retained earnings to average equity (ytd only) | 14.0178% | 185 |
| Net charge-offs to loans | -0.3486% | 5,904 |
| Credit loss provision to net charge-offs | 131.1475% | 1,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1852% | 3,120 |
| Assets per employee ($millions) | 4.7523% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2653% | 149 |
| Loan loss allowance to noncurrent loans | 312.2540% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 2.5588% | 532 |
| Noncurrent loans to loans | 1.0457% | 2,193 |
| Net loans and leases to total assets | 72.5417% | 2,084 |
| Net loans and leases to deposits | 81.8374% | 2,725 |
| Net loans and leases to core deposits | 86.1068% | 2,888 |
| Total domestic deposits to total assets | 88.6413% | 1,090 |
| Equity capital to assets | 11.2051% | 2,843 |
| Core capital (leverage) ratio | 11.5227% | 1,978 |
| Tier 1 risk-based capital ratio | 13.5534% | 3,866 |
| Total risk-based capital ratio | 14.8254% | 3,773 |
| Memoranda: | ||
| Average total assets | $140,471,330 | 3,709 |
| Average earning assets | $127,210,330 | 3,735 |
| Average equity | $16,051,000 | 3,724 |
| Average total loans | $104,978,670 | 3,323 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 1,275 |
| Cost of funding earning assets | 0.2822% | 4,361 |
| Net interest margin | 4.3148% | 901 |
| Noninterest income to average assets | 0.1176% | 5,754 |
| Noninterest expense to average assets | 2.7686% | 3,191 |
| Loan and lease loss provision to assets | -0.1148% | 5,993 |
| Net operating income to assets | 1.3685% | 1,096 |
| Return on assets (ROA) | 1.3685% | 1,162 |
| Pretax return on assets | 1.3685% | 2,011 |
| Return on Equity (ROE) | 11.8590% | 1,353 |
| Retained earnings to average equity (ytd only) | 11.8590% | 527 |
| Net charge-offs to loans | -0.6922% | 6,021 |
| Credit loss provision to net charge-offs | 22.2222% | 2,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8302% | 3,322 |
| Assets per employee ($millions) | 4.9258% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5141% | 133 |
| Loan loss allowance to noncurrent loans | 203.1956% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 2.9403% | 435 |
| Noncurrent loans to loans | 1.7294% | 1,294 |
| Net loans and leases to total assets | 68.5247% | 2,577 |
| Net loans and leases to deposits | 77.2059% | 3,089 |
| Net loans and leases to core deposits | 81.2871% | 3,204 |
| Total domestic deposits to total assets | 88.7557% | 1,224 |
| Equity capital to assets | 11.0494% | 2,886 |
| Core capital (leverage) ratio | 12.1917% | 1,499 |
| Tier 1 risk-based capital ratio | 13.9880% | 3,706 |
| Total risk-based capital ratio | 15.2629% | 3,613 |
| Memoranda: | ||
| Average total assets | $139,422,500 | 3,758 |
| Average earning assets | $126,170,500 | 3,784 |
| Average equity | $16,089,000 | 3,717 |
| Average total loans | $104,011,500 | 3,354 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,234 |
| Cost of funding earning assets | 0.3056% | 4,190 |
| Net interest margin | 4.3368% | 894 |
| Noninterest income to average assets | 0.1167% | 5,817 |
| Noninterest expense to average assets | 3.0154% | 2,491 |
| Loan and lease loss provision to assets | -0.1067% | 5,864 |
| Net operating income to assets | 1.1085% | 1,884 |
| Return on assets (ROA) | 1.1193% | 1,907 |
| Pretax return on assets | 1.1193% | 2,963 |
| Return on Equity (ROE) | 9.5615% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.5615% | 523 |
| Net charge-offs to loans | -0.0481% | 5,537 |
| Credit loss provision to net charge-offs | 308.8889% | 960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0621% | 2,420 |
| Assets per employee ($millions) | 4.3691% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4422% | 135 |
| Loan loss allowance to noncurrent loans | 195.4821% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 3.3150% | 371 |
| Noncurrent loans to loans | 1.7609% | 1,268 |
| Net loans and leases to total assets | 75.9323% | 1,433 |
| Net loans and leases to deposits | 86.4970% | 2,060 |
| Net loans and leases to core deposits | 91.0901% | 2,305 |
| Total domestic deposits to total assets | 87.7861% | 1,755 |
| Equity capital to assets | 12.0926% | 1,886 |
| Core capital (leverage) ratio | 12.1143% | 1,548 |
| Tier 1 risk-based capital ratio | 13.7155% | 3,880 |
| Total risk-based capital ratio | 14.9885% | 3,794 |
| Memoranda: | ||
| Average total assets | $130,263,000 | 3,885 |
| Average earning assets | $117,160,400 | 3,945 |
| Average equity | $15,248,600 | 3,790 |
| Average total loans | $93,459,400 | 3,517 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5328% | 1,502 |
| Cost of funding earning assets | 0.3043% | 4,287 |
| Net interest margin | 4.2284% | 1,108 |
| Noninterest income to average assets | 0.1087% | 5,922 |
| Noninterest expense to average assets | 2.9647% | 2,623 |
| Loan and lease loss provision to assets | -0.1425% | 6,053 |
| Net operating income to assets | 1.0897% | 2,058 |
| Return on assets (ROA) | 1.1020% | 2,077 |
| Pretax return on assets | 1.1020% | 3,225 |
| Return on Equity (ROE) | 9.4932% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.4932% | 742 |
| Net charge-offs to loans | -0.0264% | 5,299 |
| Credit loss provision to net charge-offs | 772.2222% | 451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7862% | 2,276 |
| Assets per employee ($millions) | 5.0254% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5013% | 149 |
| Loan loss allowance to noncurrent loans | 119.1540% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 3.3767% | 395 |
| Noncurrent loans to loans | 2.9384% | 612 |
| Net loans and leases to total assets | 74.2714% | 1,689 |
| Net loans and leases to deposits | 84.3999% | 2,356 |
| Net loans and leases to core deposits | 89.7018% | 2,495 |
| Total domestic deposits to total assets | 87.9994% | 1,553 |
| Equity capital to assets | 11.8361% | 2,230 |
| Core capital (leverage) ratio | 11.8860% | 1,753 |
| Tier 1 risk-based capital ratio | 13.2988% | 4,252 |
| Total risk-based capital ratio | 14.5713% | 4,165 |
| Memoranda: | ||
| Average total assets | $130,060,750 | 3,924 |
| Average earning assets | $116,982,500 | 3,985 |
| Average equity | $15,098,250 | 3,857 |
| Average total loans | $91,055,750 | 3,601 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 2,364 |
| Cost of funding earning assets | 0.2999% | 4,397 |
| Net interest margin | 3.9483% | 1,815 |
| Noninterest income to average assets | 0.1093% | 5,993 |
| Noninterest expense to average assets | 2.8939% | 2,917 |
| Loan and lease loss provision to assets | -0.2141% | 6,188 |
| Net operating income to assets | 0.9780% | 2,504 |
| Return on assets (ROA) | 0.9965% | 2,518 |
| Pretax return on assets | 0.9965% | 3,601 |
| Return on Equity (ROE) | 8.6405% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.6405% | 1,030 |
| Net charge-offs to loans | -0.0296% | 5,326 |
| Credit loss provision to net charge-offs | 1,069.2308% | 333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1158% | 1,895 |
| Assets per employee ($millions) | 5.0554% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8706% | 116 |
| Loan loss allowance to noncurrent loans | 155.0265% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 2.8340% | 612 |
| Noncurrent loans to loans | 2.4968% | 896 |
| Net loans and leases to total assets | 66.4349% | 2,882 |
| Net loans and leases to deposits | 75.0937% | 3,378 |
| Net loans and leases to core deposits | 79.7527% | 3,419 |
| Total domestic deposits to total assets | 88.4693% | 1,421 |
| Equity capital to assets | 11.4212% | 2,479 |
| Core capital (leverage) ratio | 11.2597% | 2,203 |
| Tier 1 risk-based capital ratio | 14.4542% | 3,661 |
| Total risk-based capital ratio | 15.7314% | 3,574 |
| Memoranda: | ||
| Average total assets | $129,861,000 | 3,964 |
| Average earning assets | $116,708,330 | 4,020 |
| Average equity | $14,976,000 | 3,895 |
| Average total loans | $87,886,330 | 3,694 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,421 |
| Cost of funding earning assets | 0.2927% | 4,525 |
| Net interest margin | 3.6567% | 2,785 |
| Noninterest income to average assets | 0.1085% | 6,044 |
| Noninterest expense to average assets | 3.0526% | 2,422 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3471% | 5,256 |
| Return on assets (ROA) | 0.3471% | 5,375 |
| Pretax return on assets | 0.3471% | 5,548 |
| Return on Equity (ROE) | 2.9951% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.9951% | 4,181 |
| Net charge-offs to loans | -0.0139% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7903% | 861 |
| Assets per employee ($millions) | 4.9201% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2469% | 103 |
| Loan loss allowance to noncurrent loans | 78.9292% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 4.5836% | 286 |
| Noncurrent loans to loans | 5.3806% | 224 |
| Net loans and leases to total assets | 62.0519% | 3,359 |
| Net loans and leases to deposits | 69.7710% | 3,775 |
| Net loans and leases to core deposits | 73.8583% | 3,793 |
| Total domestic deposits to total assets | 88.9365% | 1,313 |
| Equity capital to assets | 10.9310% | 3,052 |
| Core capital (leverage) ratio | 11.4685% | 2,023 |
| Tier 1 risk-based capital ratio | 15.3698% | 3,216 |
| Total risk-based capital ratio | 16.6529% | 3,132 |
| Memoranda: | ||
| Average total assets | $129,071,500 | 4,007 |
| Average earning assets | $116,170,500 | 4,059 |
| Average equity | $14,958,000 | 3,919 |
| Average total loans | $86,410,500 | 3,743 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8259% | 1,059 |
| Cost of funding earning assets | 0.3209% | 4,569 |
| Net interest margin | 4.5050% | 741 |
| Noninterest income to average assets | 0.5466% | 3,191 |
| Noninterest expense to average assets | 3.3418% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1578% | 1,735 |
| Return on assets (ROA) | 1.1752% | 1,734 |
| Pretax return on assets | 1.1752% | 2,758 |
| Return on Equity (ROE) | 8.4810% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.4810% | 836 |
| Net charge-offs to loans | -0.0047% | 5,460 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2684% | 2,794 |
| Assets per employee ($millions) | 4.4750% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2117% | 114 |
| Loan loss allowance to noncurrent loans | 152.0183% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 3.0806% | 645 |
| Noncurrent loans to loans | 2.7705% | 862 |
| Net loans and leases to total assets | 66.3051% | 2,833 |
| Net loans and leases to deposits | 75.6795% | 3,236 |
| Net loans and leases to core deposits | 80.2746% | 3,263 |
| Total domestic deposits to total assets | 87.6130% | 1,972 |
| Equity capital to assets | 12.2864% | 1,798 |
| Core capital (leverage) ratio | 12.7350% | 1,236 |
| Tier 1 risk-based capital ratio | 16.3884% | 2,765 |
| Total risk-based capital ratio | 17.6711% | 2,698 |
| Memoranda: | ||
| Average total assets | $120,743,000 | 4,164 |
| Average earning assets | $105,948,200 | 4,271 |
| Average equity | $16,731,600 | 3,569 |
| Average total loans | $85,557,200 | 3,725 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 913 |
| Cost of funding earning assets | 0.3256% | 4,608 |
| Net interest margin | 4.5828% | 640 |
| Noninterest income to average assets | 0.5741% | 3,037 |
| Noninterest expense to average assets | 3.3655% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2095% | 1,652 |
| Return on assets (ROA) | 1.2329% | 1,629 |
| Pretax return on assets | 1.2329% | 2,641 |
| Return on Equity (ROE) | 8.6409% | 2,879 |
| Retained earnings to average equity (ytd only) | -29.8290% | 6,527 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5624% | 2,887 |
| Assets per employee ($millions) | 4.5661% | 2,857 |
| Cash dividends to net income (ytd only)* | 445.2080% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2826% | 126 |
| Loan loss allowance to noncurrent loans | 272.1104% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 2.3568% | 1,155 |
| Noncurrent loans to loans | 1.5739% | 2,068 |
| Net loans and leases to total assets | 68.6972% | 2,432 |
| Net loans and leases to deposits | 78.8621% | 2,854 |
| Net loans and leases to core deposits | 83.7434% | 2,910 |
| Total domestic deposits to total assets | 87.1106% | 2,257 |
| Equity capital to assets | 12.6931% | 1,588 |
| Core capital (leverage) ratio | 12.8089% | 1,261 |
| Tier 1 risk-based capital ratio | 16.4696% | 2,823 |
| Total risk-based capital ratio | 17.7537% | 2,764 |
| Memoranda: | ||
| Average total assets | $119,603,500 | 4,226 |
| Average earning assets | $104,416,250 | 4,341 |
| Average equity | $17,065,750 | 3,537 |
| Average total loans | $85,263,000 | 3,776 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0109% | 738 |
| Cost of funding earning assets | 0.3324% | 4,617 |
| Net interest margin | 4.6785% | 511 |
| Noninterest income to average assets | 0.7707% | 1,958 |
| Noninterest expense to average assets | 3.4779% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3545% | 1,176 |
| Return on assets (ROA) | 1.3895% | 1,133 |
| Pretax return on assets | 1.3895% | 1,933 |
| Return on Equity (ROE) | 9.3958% | 2,420 |
| Retained earnings to average equity (ytd only) | -46.1443% | 6,623 |
| Net charge-offs to loans | 0.1266% | 2,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.0370% | 1,878 |
| Efficiency ratio | 71.9710% | 3,348 |
| Assets per employee ($millions) | 4.1470% | 3,550 |
| Cash dividends to net income (ytd only)* | 591.1164% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2077% | 152 |
| Loan loss allowance to noncurrent loans | 257.7061% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 2.4561% | 1,163 |
| Noncurrent loans to loans | 1.6328% | 2,130 |
| Net loans and leases to total assets | 70.4832% | 2,002 |
| Net loans and leases to deposits | 82.8723% | 2,154 |
| Net loans and leases to core deposits | 89.3424% | 2,183 |
| Total domestic deposits to total assets | 85.0504% | 3,479 |
| Equity capital to assets | 12.7690% | 1,508 |
| Core capital (leverage) ratio | 12.6361% | 1,318 |
| Tier 1 risk-based capital ratio | 15.8593% | 3,165 |
| Total risk-based capital ratio | 17.1422% | 3,083 |
| Memoranda: | ||
| Average total assets | $119,898,670 | 4,243 |
| Average earning assets | $104,094,000 | 4,363 |
| Average equity | $17,731,330 | 3,448 |
| Average total loans | $85,282,330 | 3,784 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 1,182 |
| Cost of funding earning assets | 0.3334% | 4,709 |
| Net interest margin | 4.4020% | 806 |
| Noninterest income to average assets | 1.2842% | 676 |
| Noninterest expense to average assets | 3.4683% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6323% | 637 |
| Return on assets (ROA) | 1.7013% | 591 |
| Pretax return on assets | 1.7013% | 974 |
| Return on Equity (ROE) | 10.8009% | 1,754 |
| Retained earnings to average equity (ytd only) | 10.8009% | 783 |
| Net charge-offs to loans | 0.1549% | 1,787 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 15.0606% | 1,567 |
| Efficiency ratio | 67.9974% | 4,182 |
| Assets per employee ($millions) | 4.3003% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1994% | 162 |
| Loan loss allowance to noncurrent loans | 245.4175% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 2.4334% | 1,325 |
| Noncurrent loans to loans | 1.7111% | 2,268 |
| Net loans and leases to total assets | 68.4910% | 2,147 |
| Net loans and leases to deposits | 81.8338% | 2,060 |
| Net loans and leases to core deposits | 87.7936% | 2,115 |
| Total domestic deposits to total assets | 83.6953% | 4,385 |
| Equity capital to assets | 16.1286% | 508 |
| Core capital (leverage) ratio | 15.8702% | 494 |
| Tier 1 risk-based capital ratio | 21.0276% | 1,468 |
| Total risk-based capital ratio | 22.3102% | 1,447 |
| Memoranda: | ||
| Average total assets | $121,789,500 | 4,240 |
| Average earning assets | $105,589,500 | 4,373 |
| Average equity | $19,183,500 | 3,257 |
| Average total loans | $85,204,500 | 3,822 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,896 |
| Cost of funding earning assets | 0.3993% | 4,660 |
| Net interest margin | 3.9166% | 2,232 |
| Noninterest income to average assets | 0.9082% | 1,650 |
| Noninterest expense to average assets | 3.3574% | 1,980 |
| Loan and lease loss provision to assets | -2.7340% | 6,812 |
| Net operating income to assets | 3.6446% | 74 |
| Return on assets (ROA) | 3.6446% | 72 |
| Pretax return on assets | 3.6446% | 80 |
| Return on Equity (ROE) | 28.4055% | 82 |
| Retained earnings to average equity (ytd only) | 28.4055% | 37 |
| Net charge-offs to loans | 0.7064% | 912 |
| Credit loss provision to net charge-offs | -575.3695% | 6,159 |
| Earnings coverage of net charge-offs (x) | 1.9163% | 4,415 |
| Efficiency ratio | 78.6654% | 2,368 |
| Assets per employee ($millions) | 4.3990% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3806% | 151 |
| Loan loss allowance to noncurrent loans | 183.9641% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 4.4775% | 566 |
| Noncurrent loans to loans | 2.3812% | 1,611 |
| Net loans and leases to total assets | 65.4629% | 2,778 |
| Net loans and leases to deposits | 78.0222% | 2,719 |
| Net loans and leases to core deposits | 84.2497% | 2,650 |
| Total domestic deposits to total assets | 83.9030% | 4,203 |
| Equity capital to assets | 15.3826% | 605 |
| Core capital (leverage) ratio | 15.4958% | 542 |
| Tier 1 risk-based capital ratio | 20.2265% | 1,605 |
| Total risk-based capital ratio | 21.5103% | 1,562 |
| Memoranda: | ||
| Average total assets | $128,163,600 | 4,107 |
| Average earning assets | $109,943,600 | 4,264 |
| Average equity | $16,444,000 | 3,636 |
| Average total loans | $86,211,800 | 3,774 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 3,319 |
| Cost of funding earning assets | 0.4171% | 4,652 |
| Net interest margin | 3.7998% | 2,640 |
| Noninterest income to average assets | 0.7954% | 2,174 |
| Noninterest expense to average assets | 3.1166% | 2,601 |
| Loan and lease loss provision to assets | -2.0647% | 6,887 |
| Net operating income to assets | 3.0002% | 108 |
| Return on assets (ROA) | 3.0002% | 110 |
| Pretax return on assets | 3.0002% | 141 |
| Return on Equity (ROE) | 24.5449% | 130 |
| Retained earnings to average equity (ytd only) | 24.5449% | 53 |
| Net charge-offs to loans | 0.4860% | 1,322 |
| Credit loss provision to net charge-offs | -634.1772% | 6,099 |
| Earnings coverage of net charge-offs (x) | 2.8734% | 3,877 |
| Efficiency ratio | 76.9133% | 2,575 |
| Assets per employee ($millions) | 4.7430% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1728% | 48 |
| Loan loss allowance to noncurrent loans | 95.4941% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 7.8515% | 231 |
| Noncurrent loans to loans | 6.4640% | 355 |
| Net loans and leases to total assets | 70.3633% | 1,902 |
| Net loans and leases to deposits | 83.2774% | 1,967 |
| Net loans and leases to core deposits | 88.4125% | 2,139 |
| Total domestic deposits to total assets | 84.4926% | 3,982 |
| Equity capital to assets | 14.5105% | 826 |
| Core capital (leverage) ratio | 14.2403% | 809 |
| Tier 1 risk-based capital ratio | 17.5984% | 2,481 |
| Total risk-based capital ratio | 18.9033% | 2,428 |
| Memoranda: | ||
| Average total assets | $129,411,500 | 4,131 |
| Average earning assets | $110,915,250 | 4,282 |
| Average equity | $15,818,250 | 3,773 |
| Average total loans | $86,683,250 | 3,795 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 4,100 |
| Cost of funding earning assets | 0.4460% | 4,472 |
| Net interest margin | 3.5560% | 3,537 |
| Noninterest income to average assets | 0.9517% | 1,647 |
| Noninterest expense to average assets | 2.9303% | 3,236 |
| Loan and lease loss provision to assets | -3.0130% | 6,938 |
| Net operating income to assets | 4.0910% | 57 |
| Return on assets (ROA) | 4.0910% | 61 |
| Pretax return on assets | 4.0910% | 81 |
| Return on Equity (ROE) | 35.4397% | 44 |
| Retained earnings to average equity (ytd only) | 35.4397% | 21 |
| Net charge-offs to loans | -1.4150% | 6,887 |
| Credit loss provision to net charge-offs | 329.6053% | 789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1058% | 3,288 |
| Assets per employee ($millions) | 4.3571% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2234% | 23 |
| Loan loss allowance to noncurrent loans | 85.0418% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 8.7871% | 197 |
| Noncurrent loans to loans | 8.4939% | 223 |
| Net loans and leases to total assets | 65.1878% | 2,732 |
| Net loans and leases to deposits | 76.5267% | 2,800 |
| Net loans and leases to core deposits | 82.1979% | 2,781 |
| Total domestic deposits to total assets | 85.1830% | 3,806 |
| Equity capital to assets | 13.4803% | 1,147 |
| Core capital (leverage) ratio | 13.2469% | 1,070 |
| Tier 1 risk-based capital ratio | 17.2355% | 2,617 |
| Total risk-based capital ratio | 18.5513% | 2,563 |
| Memoranda: | ||
| Average total assets | $133,023,330 | 4,077 |
| Average earning assets | $114,343,000 | 4,248 |
| Average equity | $15,355,670 | 3,881 |
| Average total loans | $85,936,670 | 3,821 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,978 |
| Cost of funding earning assets | 0.4881% | 4,198 |
| Net interest margin | 3.2667% | 4,644 |
| Noninterest income to average assets | 0.9944% | 1,475 |
| Noninterest expense to average assets | 2.8836% | 3,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9182% | 2,570 |
| Return on assets (ROA) | 0.9182% | 2,716 |
| Pretax return on assets | 0.9182% | 3,695 |
| Return on Equity (ROE) | 8.6244% | 2,658 |
| Retained earnings to average equity (ytd only) | 8.6244% | 1,515 |
| Net charge-offs to loans | -3.2610% | 6,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8488% | 2,947 |
| Assets per employee ($millions) | 5.8013% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7347% | 17 |
| Loan loss allowance to noncurrent loans | 67.1460% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 12.4732% | 121 |
| Noncurrent loans to loans | 14.4978% | 86 |
| Net loans and leases to total assets | 59.0557% | 3,597 |
| Net loans and leases to deposits | 68.5444% | 3,703 |
| Net loans and leases to core deposits | 78.2642% | 3,027 |
| Total domestic deposits to total assets | 86.1568% | 3,442 |
| Equity capital to assets | 10.9915% | 2,966 |
| Core capital (leverage) ratio | 10.4307% | 2,865 |
| Tier 1 risk-based capital ratio | 14.9082% | 3,907 |
| Total risk-based capital ratio | 16.2506% | 3,796 |
| Memoranda: | ||
| Average total assets | $136,357,500 | 4,057 |
| Average earning assets | $117,183,500 | 4,215 |
| Average equity | $14,517,000 | 4,089 |
| Average total loans | $84,514,500 | 3,884 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 5,771 |
| Cost of funding earning assets | 0.5706% | 4,637 |
| Net interest margin | 3.2500% | 5,430 |
| Noninterest income to average assets | -0.2888% | 6,992 |
| Noninterest expense to average assets | 3.5877% | 1,633 |
| Loan and lease loss provision to assets | 2.2038% | 78 |
| Net operating income to assets | -3.2587% | 7,021 |
| Return on assets (ROA) | -2.9608% | 7,009 |
| Pretax return on assets | -2.9608% | 7,011 |
| Return on Equity (ROE) | -30.1492% | 6,956 |
| Retained earnings to average equity (ytd only) | -30.1492% | 6,938 |
| Net charge-offs to loans | 2.7058% | 212 |
| Credit loss provision to net charge-offs | 132.9297% | 2,110 |
| Earnings coverage of net charge-offs (x) | -0.6363% | 5,701 |
| Efficiency ratio | 141.6518% | 114 |
| Assets per employee ($millions) | 5.8035% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.5543% | 18 |
| Loan loss allowance to noncurrent loans | 64.4041% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 12.3538% | 128 |
| Noncurrent loans to loans | 14.8349% | 79 |
| Net loans and leases to total assets | 53.0739% | 4,743 |
| Net loans and leases to deposits | 62.8723% | 4,673 |
| Net loans and leases to core deposits | 71.3807% | 4,119 |
| Total domestic deposits to total assets | 84.4154% | 4,116 |
| Equity capital to assets | 10.3155% | 3,737 |
| Core capital (leverage) ratio | 9.8005% | 3,657 |
| Tier 1 risk-based capital ratio | 15.4601% | 3,453 |
| Total risk-based capital ratio | 16.8000% | 3,359 |
| Memoranda: | ||
| Average total assets | $154,415,400 | 3,708 |
| Average earning assets | $134,062,600 | 3,823 |
| Average equity | $15,164,600 | 3,927 |
| Average total loans | $94,612,800 | 3,649 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 6,197 |
| Cost of funding earning assets | 0.5879% | 4,765 |
| Net interest margin | 3.1296% | 5,873 |
| Noninterest income to average assets | 0.2807% | 5,531 |
| Noninterest expense to average assets | 3.6536% | 1,450 |
| Loan and lease loss provision to assets | 2.8638% | 46 |
| Net operating income to assets | -3.5137% | 7,126 |
| Return on assets (ROA) | -3.5137% | 7,127 |
| Pretax return on assets | -3.5137% | 7,126 |
| Return on Equity (ROE) | -36.1795% | 7,089 |
| Retained earnings to average equity (ytd only) | -36.1795% | 7,082 |
| Net charge-offs to loans | 3.8132% | 99 |
| Credit loss provision to net charge-offs | 121.4439% | 2,386 |
| Earnings coverage of net charge-offs (x) | -0.2756% | 5,436 |
| Efficiency ratio | 121.6330% | 183 |
| Assets per employee ($millions) | 5.8704% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9822% | 19 |
| Loan loss allowance to noncurrent loans | 45.7796% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 14.9498% | 90 |
| Noncurrent loans to loans | 19.6206% | 44 |
| Net loans and leases to total assets | 50.2303% | 5,285 |
| Net loans and leases to deposits | 59.0509% | 5,314 |
| Net loans and leases to core deposits | 66.9534% | 4,845 |
| Total domestic deposits to total assets | 85.0627% | 3,716 |
| Equity capital to assets | 9.9632% | 4,549 |
| Core capital (leverage) ratio | 9.4950% | 4,277 |
| Tier 1 risk-based capital ratio | 15.0580% | 3,808 |
| Total risk-based capital ratio | 16.3890% | 3,700 |
| Memoranda: | ||
| Average total assets | $158,198,000 | 3,686 |
| Average earning assets | $137,650,000 | 3,798 |
| Average equity | $15,363,750 | 3,919 |
| Average total loans | $97,832,750 | 3,615 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 5,465 |
| Cost of funding earning assets | 0.6024% | 4,883 |
| Net interest margin | 3.4541% | 4,862 |
| Noninterest income to average assets | 0.5711% | 3,441 |
| Noninterest expense to average assets | 3.9112% | 1,062 |
| Loan and lease loss provision to assets | 2.4967% | 86 |
| Net operating income to assets | -2.8203% | 7,148 |
| Return on assets (ROA) | -2.8203% | 7,154 |
| Pretax return on assets | -2.8203% | 7,142 |
| Return on Equity (ROE) | -29.2813% | 7,094 |
| Retained earnings to average equity (ytd only) | -29.2813% | 7,082 |
| Net charge-offs to loans | 1.9108% | 455 |
| Credit loss provision to net charge-offs | 204.2945% | 1,399 |
| Earnings coverage of net charge-offs (x) | -0.2648% | 5,179 |
| Efficiency ratio | 109.0212% | 345 |
| Assets per employee ($millions) | 6.1421% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7743% | 26 |
| Loan loss allowance to noncurrent loans | 44.4111% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 15.2623% | 95 |
| Noncurrent loans to loans | 19.7570% | 49 |
| Net loans and leases to total assets | 51.9932% | 5,101 |
| Net loans and leases to deposits | 62.8463% | 4,897 |
| Net loans and leases to core deposits | 72.2075% | 4,278 |
| Total domestic deposits to total assets | 82.7307% | 4,864 |
| Equity capital to assets | 9.7355% | 4,708 |
| Core capital (leverage) ratio | 9.4664% | 4,185 |
| Tier 1 risk-based capital ratio | 14.7755% | 3,911 |
| Total risk-based capital ratio | 16.1077% | 3,817 |
| Memoranda: | ||
| Average total assets | $160,053,670 | 3,660 |
| Average earning assets | $139,774,330 | 3,790 |
| Average equity | $15,416,000 | 3,908 |
| Average total loans | $102,366,000 | 3,507 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1066% | 5,430 |
| Cost of funding earning assets | 0.6388% | 4,826 |
| Net interest margin | 3.4678% | 4,832 |
| Noninterest income to average assets | 0.6715% | 2,806 |
| Noninterest expense to average assets | 3.1654% | 2,716 |
| Loan and lease loss provision to assets | 1.5203% | 222 |
| Net operating income to assets | -0.9786% | 6,991 |
| Return on assets (ROA) | -0.9786% | 7,008 |
| Pretax return on assets | -0.9786% | 6,973 |
| Return on Equity (ROE) | -10.2147% | 6,991 |
| Retained earnings to average equity (ytd only) | -10.2147% | 6,845 |
| Net charge-offs to loans | -0.0037% | 5,760 |
| Credit loss provision to net charge-offs | -60,900.0000% | 6,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3872% | 1,539 |
| Assets per employee ($millions) | 5.7091% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0859% | 50 |
| Loan loss allowance to noncurrent loans | 73.3753% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 8.4452% | 438 |
| Noncurrent loans to loans | 9.6571% | 327 |
| Net loans and leases to total assets | 62.1438% | 3,231 |
| Net loans and leases to deposits | 74.9346% | 2,982 |
| Net loans and leases to core deposits | 86.8638% | 2,189 |
| Total domestic deposits to total assets | 82.9308% | 4,956 |
| Equity capital to assets | 9.4899% | 4,820 |
| Core capital (leverage) ratio | 9.1432% | 4,617 |
| Tier 1 risk-based capital ratio | 12.2243% | 5,807 |
| Total risk-based capital ratio | 13.5373% | 5,732 |
| Memoranda: | ||
| Average total assets | $160,233,500 | 3,684 |
| Average earning assets | $140,262,500 | 3,809 |
| Average equity | $15,350,500 | 3,922 |
| Average total loans | $108,041,000 | 3,407 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 4,831 |
| Cost of funding earning assets | 0.8010% | 4,864 |
| Net interest margin | 3.7598% | 4,031 |
| Noninterest income to average assets | -1.0388% | 7,327 |
| Noninterest expense to average assets | 3.0967% | 3,210 |
| Loan and lease loss provision to assets | 1.2188% | 715 |
| Net operating income to assets | -2.0505% | 7,034 |
| Return on assets (ROA) | -2.0414% | 7,044 |
| Pretax return on assets | -2.0414% | 7,033 |
| Return on Equity (ROE) | -22.8534% | 7,022 |
| Retained earnings to average equity (ytd only) | -22.8534% | 7,010 |
| Net charge-offs to loans | 6.8134% | 32 |
| Credit loss provision to net charge-offs | 24.3280% | 5,862 |
| Earnings coverage of net charge-offs (x) | -0.1660% | 5,934 |
| Efficiency ratio | 136.7225% | 196 |
| Assets per employee ($millions) | 5.9486% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3811% | 69 |
| Loan loss allowance to noncurrent loans | 73.7455% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 7.8076% | 535 |
| Noncurrent loans to loans | 8.6529% | 425 |
| Net loans and leases to total assets | 63.6316% | 3,263 |
| Net loans and leases to deposits | 76.8294% | 3,034 |
| Net loans and leases to core deposits | 85.7526% | 2,667 |
| Total domestic deposits to total assets | 82.8220% | 4,824 |
| Equity capital to assets | 9.6699% | 4,649 |
| Core capital (leverage) ratio | 9.3051% | 4,322 |
| Tier 1 risk-based capital ratio | 12.3162% | 5,605 |
| Total risk-based capital ratio | 13.6218% | 5,530 |
| Memoranda: | ||
| Average total assets | $176,737,600 | 3,384 |
| Average earning assets | $155,300,000 | 3,486 |
| Average equity | $15,787,600 | 3,757 |
| Average total loans | $129,950,600 | 2,982 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 5,326 |
| Cost of funding earning assets | 0.8288% | 4,957 |
| Net interest margin | 3.6475% | 4,580 |
| Noninterest income to average assets | -1.4766% | 7,421 |
| Noninterest expense to average assets | 3.2785% | 2,565 |
| Loan and lease loss provision to assets | 1.3099% | 571 |
| Net operating income to assets | -2.8610% | 7,251 |
| Return on assets (ROA) | -2.8610% | 7,262 |
| Pretax return on assets | -2.8610% | 7,256 |
| Return on Equity (ROE) | -32.6265% | 7,215 |
| Retained earnings to average equity (ytd only) | -32.6265% | 7,208 |
| Net charge-offs to loans | 8.3117% | 21 |
| Credit loss provision to net charge-offs | 21.0801% | 5,543 |
| Earnings coverage of net charge-offs (x) | -0.2496% | 5,744 |
| Efficiency ratio | 189.7950% | 57 |
| Assets per employee ($millions) | 5.8878% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2257% | 78 |
| Loan loss allowance to noncurrent loans | 115.7730% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 6.0937% | 871 |
| Noncurrent loans to loans | 5.3775% | 1,115 |
| Net loans and leases to total assets | 64.1115% | 3,289 |
| Net loans and leases to deposits | 75.8140% | 3,354 |
| Net loans and leases to core deposits | 87.3142% | 2,587 |
| Total domestic deposits to total assets | 84.5643% | 3,983 |
| Equity capital to assets | 7.9893% | 6,699 |
| Core capital (leverage) ratio | 7.4964% | 6,767 |
| Tier 1 risk-based capital ratio | 10.3374% | 6,844 |
| Total risk-based capital ratio | 11.6422% | 6,806 |
| Memoranda: | ||
| Average total assets | $180,769,000 | 3,332 |
| Average earning assets | $158,787,750 | 3,452 |
| Average equity | $15,851,750 | 3,765 |
| Average total loans | $135,146,750 | 2,917 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 5,692 |
| Cost of funding earning assets | 0.8327% | 5,179 |
| Net interest margin | 3.5678% | 4,846 |
| Noninterest income to average assets | -0.7631% | 7,454 |
| Noninterest expense to average assets | 3.1794% | 2,975 |
| Loan and lease loss provision to assets | -0.7320% | 7,490 |
| Net operating income to assets | -0.0742% | 6,320 |
| Return on assets (ROA) | -0.0742% | 6,377 |
| Pretax return on assets | -0.0742% | 6,339 |
| Return on Equity (ROE) | -0.8241% | 6,387 |
| Retained earnings to average equity (ytd only) | -0.8241% | 6,023 |
| Net charge-offs to loans | 2.6573% | 418 |
| Credit loss provision to net charge-offs | -35.9367% | 6,226 |
| Earnings coverage of net charge-offs (x) | -0.3958% | 5,493 |
| Efficiency ratio | 133.9674% | 232 |
| Assets per employee ($millions) | 5.2411% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5697% | 25 |
| Loan loss allowance to noncurrent loans | 86.7219% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 10.4148% | 355 |
| Noncurrent loans to loans | 9.8818% | 392 |
| Net loans and leases to total assets | 68.4099% | 2,537 |
| Net loans and leases to deposits | 82.1260% | 2,437 |
| Net loans and leases to core deposits | 94.6885% | 1,823 |
| Total domestic deposits to total assets | 83.2986% | 4,640 |
| Equity capital to assets | 9.7146% | 4,519 |
| Core capital (leverage) ratio | 9.3383% | 4,193 |
| Tier 1 risk-based capital ratio | 12.3918% | 5,448 |
| Total risk-based capital ratio | 13.7314% | 5,342 |
| Memoranda: | ||
| Average total assets | $186,072,670 | 3,286 |
| Average earning assets | $163,573,000 | 3,379 |
| Average equity | $16,745,330 | 3,613 |
| Average total loans | $142,625,670 | 2,795 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 6,058 |
| Cost of funding earning assets | 0.8088% | 5,531 |
| Net interest margin | 3.4738% | 5,126 |
| Noninterest income to average assets | -0.0208% | 7,331 |
| Noninterest expense to average assets | 2.9383% | 3,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1267% | 6,018 |
| Return on assets (ROA) | 0.1267% | 6,077 |
| Pretax return on assets | 0.1267% | 6,116 |
| Return on Equity (ROE) | 1.4596% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.4596% | 5,229 |
| Net charge-offs to loans | -0.0054% | 6,249 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8672% | 927 |
| Assets per employee ($millions) | 5.5245% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8862% | 22 |
| Loan loss allowance to noncurrent loans | 86.3533% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 12.2144% | 256 |
| Noncurrent loans to loans | 11.4485% | 314 |
| Net loans and leases to total assets | 70.4740% | 2,044 |
| Net loans and leases to deposits | 85.3405% | 1,829 |
| Net loans and leases to core deposits | 97.5890% | 1,557 |
| Total domestic deposits to total assets | 82.5798% | 5,075 |
| Equity capital to assets | 9.4460% | 4,506 |
| Core capital (leverage) ratio | 8.7284% | 5,038 |
| Tier 1 risk-based capital ratio | 11.5559% | 6,061 |
| Total risk-based capital ratio | 12.9073% | 5,962 |
| Memoranda: | ||
| Average total assets | $192,631,000 | 3,210 |
| Average earning assets | $171,108,500 | 3,283 |
| Average equity | $16,717,000 | 3,607 |
| Average total loans | $149,234,000 | 2,724 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 6,426 |
| Cost of funding earning assets | 0.9864% | 5,756 |
| Net interest margin | 3.5030% | 5,241 |
| Noninterest income to average assets | -0.8867% | 7,617 |
| Noninterest expense to average assets | 2.7248% | 4,877 |
| Loan and lease loss provision to assets | 4.1640% | 147 |
| Net operating income to assets | -4.6383% | 7,506 |
| Return on assets (ROA) | -4.5843% | 7,511 |
| Pretax return on assets | -4.5843% | 7,508 |
| Return on Equity (ROE) | -41.7533% | 7,367 |
| Retained earnings to average equity (ytd only) | -41.7533% | 7,360 |
| Net charge-offs to loans | 2.3956% | 791 |
| Credit loss provision to net charge-offs | 240.3279% | 1,198 |
| Earnings coverage of net charge-offs (x) | -0.2738% | 6,341 |
| Efficiency ratio | 121.0770% | 399 |
| Assets per employee ($millions) | 6.3175% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5298% | 35 |
| Loan loss allowance to noncurrent loans | 110.9253% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 8.7069% | 529 |
| Noncurrent loans to loans | 7.6897% | 690 |
| Net loans and leases to total assets | 70.2939% | 2,471 |
| Net loans and leases to deposits | 94.7874% | 984 |
| Net loans and leases to core deposits | 107.4493% | 1,094 |
| Total domestic deposits to total assets | 74.1595% | 6,870 |
| Equity capital to assets | 8.0272% | 6,471 |
| Core capital (leverage) ratio | 7.3026% | 6,841 |
| Tier 1 risk-based capital ratio | 10.0760% | 6,945 |
| Total risk-based capital ratio | 11.4134% | 6,874 |
| Memoranda: | ||
| Average total assets | $211,241,200 | 2,969 |
| Average earning assets | $189,180,200 | 3,019 |
| Average equity | $23,193,400 | 2,738 |
| Average total loans | $152,779,400 | 2,727 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 6,828 |
| Cost of funding earning assets | 1.0431% | 5,727 |
| Net interest margin | 3.3492% | 5,848 |
| Noninterest income to average assets | -0.6253% | 7,700 |
| Noninterest expense to average assets | 2.7738% | 4,586 |
| Loan and lease loss provision to assets | 1.5810% | 821 |
| Net operating income to assets | -1.9824% | 7,235 |
| Return on assets (ROA) | -1.9106% | 7,233 |
| Pretax return on assets | -1.9106% | 7,174 |
| Return on Equity (ROE) | -16.3223% | 7,139 |
| Retained earnings to average equity (ytd only) | -16.3223% | 7,114 |
| Net charge-offs to loans | 0.6052% | 2,927 |
| Credit loss provision to net charge-offs | 366.8613% | 842 |
| Earnings coverage of net charge-offs (x) | -0.9314% | 6,437 |
| Efficiency ratio | 116.9186% | 423 |
| Assets per employee ($millions) | 5.5217% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7221% | 73 |
| Loan loss allowance to noncurrent loans | 98.4507% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 8.2379% | 598 |
| Noncurrent loans to loans | 6.8279% | 842 |
| Net loans and leases to total assets | 68.5003% | 3,098 |
| Net loans and leases to deposits | 95.4465% | 1,051 |
| Net loans and leases to core deposits | 102.9474% | 1,570 |
| Total domestic deposits to total assets | 71.7682% | 7,155 |
| Equity capital to assets | 11.1422% | 2,823 |
| Core capital (leverage) ratio | 11.0650% | 2,213 |
| Tier 1 risk-based capital ratio | 14.3762% | 3,579 |
| Total risk-based capital ratio | 15.6895% | 3,518 |
| Memoranda: | ||
| Average total assets | $211,931,750 | 3,011 |
| Average earning assets | $189,691,500 | 3,051 |
| Average equity | $24,808,000 | 2,612 |
| Average total loans | $150,920,750 | 2,791 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 6,967 |
| Cost of funding earning assets | 1.1443% | 5,442 |
| Net interest margin | 3.2158% | 6,265 |
| Noninterest income to average assets | 0.1336% | 6,920 |
| Noninterest expense to average assets | 3.8357% | 1,292 |
| Loan and lease loss provision to assets | 2.3637% | 492 |
| Net operating income to assets | -3.1820% | 7,531 |
| Return on assets (ROA) | -3.1820% | 7,535 |
| Pretax return on assets | -3.1820% | 7,497 |
| Return on Equity (ROE) | -26.7597% | 7,391 |
| Retained earnings to average equity (ytd only) | -26.7597% | 7,376 |
| Net charge-offs to loans | 0.9355% | 1,965 |
| Credit loss provision to net charge-offs | 358.4879% | 1,023 |
| Earnings coverage of net charge-offs (x) | -1.2411% | 6,150 |
| Efficiency ratio | 127.1197% | 338 |
| Assets per employee ($millions) | 5.5268% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6444% | 70 |
| Loan loss allowance to noncurrent loans | 67.0513% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 10.7781% | 343 |
| Noncurrent loans to loans | 9.9093% | 449 |
| Net loans and leases to total assets | 69.1888% | 3,089 |
| Net loans and leases to deposits | 94.2622% | 1,241 |
| Net loans and leases to core deposits | 108.2481% | 1,283 |
| Total domestic deposits to total assets | 73.4004% | 7,053 |
| Equity capital to assets | 10.9852% | 2,878 |
| Core capital (leverage) ratio | 10.7929% | 2,400 |
| Tier 1 risk-based capital ratio | 14.2509% | 3,574 |
| Total risk-based capital ratio | 15.5543% | 3,513 |
| Memoranda: | ||
| Average total assets | $212,634,330 | 3,025 |
| Average earning assets | $190,686,330 | 3,051 |
| Average equity | $25,284,330 | 2,564 |
| Average total loans | $149,865,000 | 2,842 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 6,999 |
| Cost of funding earning assets | 1.2399% | 5,174 |
| Net interest margin | 3.1570% | 6,430 |
| Noninterest income to average assets | 0.1197% | 7,093 |
| Noninterest expense to average assets | 4.1880% | 825 |
| Loan and lease loss provision to assets | -1.3181% | 7,922 |
| Net operating income to assets | 0.0823% | 6,071 |
| Return on assets (ROA) | 0.0823% | 6,180 |
| Pretax return on assets | 0.0823% | 6,183 |
| Return on Equity (ROE) | 0.6669% | 6,220 |
| Retained earnings to average equity (ytd only) | 0.6669% | 5,558 |
| Net charge-offs to loans | -0.0054% | 6,820 |
| Credit loss provision to net charge-offs | 35,250.0000% | 7 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.8619% | 245 |
| Assets per employee ($millions) | 5.7990% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0308% | 170 |
| Loan loss allowance to noncurrent loans | 96.1430% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 6.9427% | 778 |
| Noncurrent loans to loans | 5.2326% | 1,365 |
| Net loans and leases to total assets | 67.0518% | 3,617 |
| Net loans and leases to deposits | 90.7107% | 1,798 |
| Net loans and leases to core deposits | 111.5881% | 1,190 |
| Total domestic deposits to total assets | 73.9183% | 7,056 |
| Equity capital to assets | 11.9881% | 2,051 |
| Core capital (leverage) ratio | 12.2692% | 1,509 |
| Tier 1 risk-based capital ratio | 16.0398% | 2,642 |
| Total risk-based capital ratio | 17.3237% | 2,576 |
| Memoranda: | ||
| Average total assets | $213,942,500 | 3,058 |
| Average earning assets | $191,954,000 | 3,095 |
| Average equity | $26,391,000 | 2,473 |
| Average total loans | $146,972,000 | 2,943 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8825% | 2,312 |
| Cost of funding earning assets | 1.6596% | 4,736 |
| Net interest margin | 4.2229% | 1,996 |
| Noninterest income to average assets | 0.2776% | 6,114 |
| Noninterest expense to average assets | 3.2573% | 3,164 |
| Loan and lease loss provision to assets | 5.8156% | 123 |
| Net operating income to assets | -5.0056% | 7,751 |
| Return on assets (ROA) | -4.9808% | 7,741 |
| Pretax return on assets | -4.9808% | 7,706 |
| Return on Equity (ROE) | -42.6012% | 7,607 |
| Retained earnings to average equity (ytd only) | -42.6012% | 7,594 |
| Net charge-offs to loans | 4.1936% | 373 |
| Credit loss provision to net charge-offs | 177.5626% | 2,352 |
| Earnings coverage of net charge-offs (x) | 0.2473% | 5,874 |
| Efficiency ratio | 80.0858% | 2,880 |
| Assets per employee ($millions) | 5.4612% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1650% | 95 |
| Loan loss allowance to noncurrent loans | 991.8605% | 360 |
| Noncurrent assets plus other real estate owned to assets | 4.2323% | 1,548 |
| Noncurrent loans to loans | 0.6216% | 5,999 |
| Net loans and leases to total assets | 62.5619% | 4,891 |
| Net loans and leases to deposits | 78.4681% | 4,279 |
| Net loans and leases to core deposits | 154.8483% | 416 |
| Total domestic deposits to total assets | 79.7291% | 5,761 |
| Equity capital to assets | 12.7046% | 1,645 |
| Core capital (leverage) ratio | 12.8521% | 1,297 |
| Tier 1 risk-based capital ratio | 17.8495% | 1,928 |
| Total risk-based capital ratio | 19.1562% | 1,880 |
| Memoranda: | ||
| Average total assets | $189,146,800 | 3,296 |
| Average earning assets | $169,741,800 | 3,350 |
| Average equity | $22,114,400 | 2,935 |
| Average total loans | $147,724,400 | 2,958 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0784% | 1,725 |
| Cost of funding earning assets | 1.7126% | 4,833 |
| Net interest margin | 4.3658% | 1,542 |
| Noninterest income to average assets | 0.1481% | 7,120 |
| Noninterest expense to average assets | 3.2301% | 3,188 |
| Loan and lease loss provision to assets | 6.8380% | 78 |
| Net operating income to assets | -5.9934% | 7,923 |
| Return on assets (ROA) | -5.9595% | 7,918 |
| Pretax return on assets | -5.9595% | 7,903 |
| Return on Equity (ROE) | -52.2445% | 7,849 |
| Retained earnings to average equity (ytd only) | -52.2445% | 7,843 |
| Net charge-offs to loans | 4.6352% | 265 |
| Credit loss provision to net charge-offs | 181.4261% | 2,518 |
| Earnings coverage of net charge-offs (x) | 0.2241% | 5,795 |
| Efficiency ratio | 79.2730% | 2,956 |
| Assets per employee ($millions) | 5.5169% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6444% | 98 |
| Loan loss allowance to noncurrent loans | 117.7000% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 6.2144% | 846 |
| Noncurrent loans to loans | 4.7955% | 1,417 |
| Net loans and leases to total assets | 65.2951% | 4,577 |
| Net loans and leases to deposits | 82.9426% | 3,839 |
| Net loans and leases to core deposits | 176.3633% | 211 |
| Total domestic deposits to total assets | 78.7232% | 5,887 |
| Equity capital to assets | 13.4908% | 1,505 |
| Core capital (leverage) ratio | 14.5685% | 942 |
| Tier 1 risk-based capital ratio | 18.5768% | 1,843 |
| Total risk-based capital ratio | 19.8780% | 1,794 |
| Memoranda: | ||
| Average total assets | $184,552,500 | 3,395 |
| Average earning assets | $165,982,500 | 3,447 |
| Average equity | $21,051,750 | 3,094 |
| Average total loans | $150,065,250 | 2,951 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2637% | 1,304 |
| Cost of funding earning assets | 1.8474% | 4,525 |
| Net interest margin | 4.4163% | 1,375 |
| Noninterest income to average assets | 0.1831% | 6,984 |
| Noninterest expense to average assets | 3.0141% | 4,027 |
| Loan and lease loss provision to assets | 6.1395% | 127 |
| Net operating income to assets | -4.9823% | 7,930 |
| Return on assets (ROA) | -4.9823% | 7,923 |
| Pretax return on assets | -4.9823% | 7,856 |
| Return on Equity (ROE) | -46.9569% | 7,898 |
| Retained earnings to average equity (ytd only) | -46.9569% | 7,891 |
| Net charge-offs to loans | 0.5203% | 2,764 |
| Credit loss provision to net charge-offs | 1,373.1156% | 367 |
| Earnings coverage of net charge-offs (x) | 2.5879% | 3,776 |
| Efficiency ratio | 72.2596% | 4,359 |
| Assets per employee ($millions) | 4.9428% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6482% | 91 |
| Loan loss allowance to noncurrent loans | 59.8910% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 8.4651% | 422 |
| Noncurrent loans to loans | 9.4308% | 390 |
| Net loans and leases to total assets | 82.5376% | 861 |
| Net loans and leases to deposits | 102.9533% | 995 |
| Net loans and leases to core deposits | 162.1679% | 417 |
| Total domestic deposits to total assets | 80.1699% | 5,409 |
| Equity capital to assets | 10.8608% | 3,049 |
| Core capital (leverage) ratio | 10.8766% | 2,510 |
| Tier 1 risk-based capital ratio | 12.2774% | 4,697 |
| Total risk-based capital ratio | 13.5811% | 4,573 |
| Memoranda: | ||
| Average total assets | $178,028,670 | 3,513 |
| Average earning assets | $160,766,330 | 3,549 |
| Average equity | $18,889,670 | 3,411 |
| Average total loans | $153,001,670 | 2,928 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4279% | 1,000 |
| Cost of funding earning assets | 1.9565% | 4,344 |
| Net interest margin | 4.4714% | 1,190 |
| Noninterest income to average assets | 0.1775% | 7,035 |
| Noninterest expense to average assets | 3.1628% | 3,142 |
| Loan and lease loss provision to assets | 0.5728% | 2,194 |
| Net operating income to assets | 0.4717% | 4,558 |
| Return on assets (ROA) | 0.4717% | 4,748 |
| Pretax return on assets | 0.4717% | 5,167 |
| Return on Equity (ROE) | 4.4988% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.4988% | 3,430 |
| Net charge-offs to loans | 1.0523% | 1,287 |
| Credit loss provision to net charge-offs | 63.9098% | 4,456 |
| Earnings coverage of net charge-offs (x) | 1.1654% | 4,172 |
| Efficiency ratio | 75.1735% | 3,626 |
| Assets per employee ($millions) | 4.9292% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3996% | 850 |
| Loan loss allowance to noncurrent loans | 73.2011% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 2.9726% | 1,896 |
| Noncurrent loans to loans | 3.2781% | 1,959 |
| Net loans and leases to total assets | 82.0785% | 1,005 |
| Net loans and leases to deposits | 102.3542% | 1,141 |
| Net loans and leases to core deposits | 149.2010% | 735 |
| Total domestic deposits to total assets | 80.1907% | 5,290 |
| Equity capital to assets | 10.7144% | 3,279 |
| Core capital (leverage) ratio | 10.6667% | 2,771 |
| Tier 1 risk-based capital ratio | 11.9064% | 5,037 |
| Total risk-based capital ratio | 13.1625% | 4,945 |
| Memoranda: | ||
| Average total assets | $178,072,000 | 3,543 |
| Average earning assets | $160,488,000 | 3,559 |
| Average equity | $18,671,500 | 3,458 |
| Average total loans | $151,672,000 | 2,978 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3156% | 579 |
| Cost of funding earning assets | 2.6900% | 3,207 |
| Net interest margin | 4.6256% | 1,106 |
| Noninterest income to average assets | 0.1969% | 7,042 |
| Noninterest expense to average assets | 2.3082% | 6,675 |
| Loan and lease loss provision to assets | 1.3940% | 993 |
| Net operating income to assets | 0.7265% | 3,772 |
| Return on assets (ROA) | 0.7265% | 3,608 |
| Pretax return on assets | 0.7265% | 4,311 |
| Return on Equity (ROE) | 7.8571% | 3,130 |
| Retained earnings to average equity (ytd only) | 5.0847% | 1,972 |
| Net charge-offs to loans | 0.4273% | 2,682 |
| Credit loss provision to net charge-offs | 391.7867% | 1,129 |
| Earnings coverage of net charge-offs (x) | 5.9597% | 3,481 |
| Efficiency ratio | 52.1185% | 7,474 |
| Assets per employee ($millions) | 5.1055% | 1,831 |
| Cash dividends to net income (ytd only)* | 35.2858% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4171% | 751 |
| Loan loss allowance to noncurrent loans | 184.2235% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1316% | 4,013 |
| Noncurrent loans to loans | 1.3120% | 3,887 |
| Net loans and leases to total assets | 84.1605% | 863 |
| Net loans and leases to deposits | 104.4542% | 1,297 |
| Net loans and leases to core deposits | 148.4844% | 913 |
| Total domestic deposits to total assets | 80.5716% | 4,814 |
| Equity capital to assets | 10.2579% | 3,751 |
| Core capital (leverage) ratio | 10.9063% | 2,665 |
| Tier 1 risk-based capital ratio | 11.1813% | 5,555 |
| Total risk-based capital ratio | 12.4445% | 5,428 |
| Memoranda: | ||
| Average total assets | $195,046,400 | 3,202 |
| Average earning assets | $178,440,600 | 3,202 |
| Average equity | $18,034,600 | 3,550 |
| Average total loans | $162,428,200 | 2,741 |