Home > VISIONBank > Performance and Condition Ratios
VISIONBank, 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 | 5.2668% | 1,545 |
| Cost of funding earning assets | 1.6476% | 1,577 |
| Net interest margin | 3.6192% | 1,936 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.9909% | 1,135 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7370% | 3,089 |
| Return on assets (ROA) | 0.6273% | 3,348 |
| Pretax return on assets | 0.8158% | 3,171 |
| Return on Equity (ROE) | 7.0100% | 3,282 |
| Retained earnings to average equity (ytd only) | 4.7322% | 2,700 |
| Net charge-offs to loans | 0.0139% | 2,135 |
| Credit loss provision to net charge-offs | 214.2857% | 1,174 |
| Earnings coverage of net charge-offs (x) | 90.7857% | 951 |
| Efficiency ratio | 75.3634% | 1,313 |
| Assets per employee ($millions) | 5.0913% | 3,568 |
| Cash dividends to net income (ytd only)* | 32.4954% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,343 |
| Loan loss allowance to noncurrent loans | 124.5823% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 861 |
| Noncurrent loans to loans | 0.7988% | 971 |
| Net loans and leases to total assets | 78.4600% | 818 |
| Net loans and leases to deposits | 88.3565% | 1,396 |
| Net loans and leases to core deposits | 100.2007% | 1,420 |
| Total domestic deposits to total assets | 88.8000% | 1,121 |
| Equity capital to assets | 9.1687% | 2,565 |
| Core capital (leverage) ratio | 9.3711% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6585% | 2,355 |
| Memoranda: | ||
| Average total assets | $259,991,000 | 2,622 |
| Average earning assets | $247,514,800 | 2,590 |
| Average equity | $23,266,200 | 2,608 |
| Average total loans | $201,474,800 | 2,278 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 1,608 |
| Cost of funding earning assets | 1.4738% | 1,679 |
| Net interest margin | 3.6387% | 1,905 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 3.0133% | 1,053 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6628% | 3,401 |
| Return on assets (ROA) | 0.5090% | 3,741 |
| Pretax return on assets | 0.6538% | 3,635 |
| Return on Equity (ROE) | 5.7200% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.6534% | 3,597 |
| Net charge-offs to loans | 0.0201% | 1,719 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 56.9000% | 1,237 |
| Efficiency ratio | 77.4087% | 1,058 |
| Assets per employee ($millions) | 5.1563% | 3,472 |
| Cash dividends to net income (ytd only)* | 53.6437% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,350 |
| Loan loss allowance to noncurrent loans | 131.7580% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 992 |
| Noncurrent loans to loans | 0.7609% | 1,092 |
| Net loans and leases to total assets | 77.0000% | 995 |
| Net loans and leases to deposits | 91.8051% | 1,068 |
| Net loans and leases to core deposits | 98.0831% | 1,439 |
| Total domestic deposits to total assets | 83.8800% | 2,807 |
| Equity capital to assets | 8.6395% | 2,637 |
| Core capital (leverage) ratio | 9.3185% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2658% | 2,524 |
| Memoranda: | ||
| Average total assets | $258,801,500 | 2,634 |
| Average earning assets | $245,980,500 | 2,600 |
| Average equity | $23,014,250 | 2,620 |
| Average total loans | $199,389,750 | 2,288 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 1,759 |
| Cost of funding earning assets | 1.3142% | 1,671 |
| Net interest margin | 3.5873% | 2,068 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 3.0709% | 935 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5525% | 3,696 |
| Return on assets (ROA) | 0.5624% | 3,680 |
| Pretax return on assets | 0.7188% | 3,566 |
| Return on Equity (ROE) | 6.2600% | 3,637 |
| Retained earnings to average equity (ytd only) | 1.6461% | 3,792 |
| Net charge-offs to loans | 0.0316% | 1,258 |
| Credit loss provision to net charge-offs | 193.5484% | 1,065 |
| Earnings coverage of net charge-offs (x) | 31.0645% | 1,529 |
| Efficiency ratio | 80.3027% | 820 |
| Assets per employee ($millions) | 4.7866% | 3,758 |
| Cash dividends to net income (ytd only)* | 73.7135% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,235 |
| Loan loss allowance to noncurrent loans | 129.8202% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6240% | 857 |
| Noncurrent loans to loans | 0.8028% | 949 |
| Net loans and leases to total assets | 76.9200% | 955 |
| Net loans and leases to deposits | 87.3310% | 1,397 |
| Net loans and leases to core deposits | 91.8086% | 1,696 |
| Total domestic deposits to total assets | 88.0800% | 1,571 |
| Equity capital to assets | 8.8646% | 2,616 |
| Core capital (leverage) ratio | 9.2701% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5127% | 2,457 |
| Memoranda: | ||
| Average total assets | $255,692,667 | 2,659 |
| Average earning assets | $243,804,333 | 2,617 |
| Average equity | $22,964,000 | 2,627 |
| Average total loans | $196,334,000 | 2,312 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 1,773 |
| Cost of funding earning assets | 1.1812% | 1,504 |
| Net interest margin | 3.5518% | 2,238 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 3.0830% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5177% | 3,854 |
| Return on assets (ROA) | 0.5301% | 3,790 |
| Pretax return on assets | 0.6748% | 3,708 |
| Return on Equity (ROE) | 5.8600% | 3,749 |
| Retained earnings to average equity (ytd only) | -3.3581% | 4,260 |
| Net charge-offs to loans | 0.0680% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 12.6970% | 1,604 |
| Efficiency ratio | 82.3876% | 686 |
| Assets per employee ($millions) | 4.7370% | 3,857 |
| Cash dividends to net income (ytd only)* | 157.2700% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,368 |
| Loan loss allowance to noncurrent loans | 121.3301% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 764 |
| Noncurrent loans to loans | 0.8519% | 899 |
| Net loans and leases to total assets | 75.8000% | 992 |
| Net loans and leases to deposits | 83.8549% | 1,509 |
| Net loans and leases to core deposits | 87.8705% | 1,752 |
| Total domestic deposits to total assets | 90.3900% | 1,013 |
| Equity capital to assets | 9.0587% | 2,472 |
| Core capital (leverage) ratio | 9.2780% | 3,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4860% | 2,578 |
| Memoranda: | ||
| Average total assets | $254,300,000 | 2,700 |
| Average earning assets | $242,806,000 | 2,660 |
| Average equity | $22,989,500 | 2,649 |
| Average total loans | $194,039,500 | 2,348 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 1,839 |
| Cost of funding earning assets | 0.4151% | 1,976 |
| Net interest margin | 3.5394% | 1,810 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.8552% | 1,213 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7270% | 3,543 |
| Return on assets (ROA) | 0.7252% | 3,494 |
| Pretax return on assets | 0.9486% | 3,222 |
| Return on Equity (ROE) | 8.4000% | 3,281 |
| Retained earnings to average equity (ytd only) | 6.7520% | 2,341 |
| Net charge-offs to loans | 0.0814% | 843 |
| Credit loss provision to net charge-offs | 90.4110% | 1,632 |
| Earnings coverage of net charge-offs (x) | 18.1027% | 1,941 |
| Efficiency ratio | 74.0450% | 1,216 |
| Assets per employee ($millions) | 4.9569% | 3,711 |
| Cash dividends to net income (ytd only)* | 19.5822% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 3,193 |
| Loan loss allowance to noncurrent loans | 117.4763% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6677% | 742 |
| Noncurrent loans to loans | 0.8784% | 842 |
| Net loans and leases to total assets | 75.2300% | 1,101 |
| Net loans and leases to deposits | 83.1428% | 1,532 |
| Net loans and leases to core deposits | 86.0929% | 1,743 |
| Total domestic deposits to total assets | 90.4800% | 1,160 |
| Equity capital to assets | 9.0217% | 2,340 |
| Core capital (leverage) ratio | 9.2262% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5999% | 2,528 |
| Memoranda: | ||
| Average total assets | $264,081,400 | 2,640 |
| Average earning assets | $253,209,200 | 2,594 |
| Average equity | $22,808,000 | 2,717 |
| Average total loans | $179,415,400 | 2,378 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6953% | 2,060 |
| Cost of funding earning assets | 0.3305% | 1,860 |
| Net interest margin | 3.3648% | 2,084 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.8334% | 1,183 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6257% | 3,766 |
| Return on assets (ROA) | 0.6209% | 3,739 |
| Pretax return on assets | 0.8193% | 3,534 |
| Return on Equity (ROE) | 7.2700% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.0741% | 3,076 |
| Net charge-offs to loans | 0.1120% | 562 |
| Credit loss provision to net charge-offs | 89.1892% | 1,385 |
| Earnings coverage of net charge-offs (x) | 12.0541% | 1,929 |
| Efficiency ratio | 76.0730% | 1,073 |
| Assets per employee ($millions) | 4.7066% | 3,906 |
| Cash dividends to net income (ytd only)* | 30.1689% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,155 |
| Loan loss allowance to noncurrent loans | 106.6165% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 701 |
| Noncurrent loans to loans | 1.0023% | 772 |
| Net loans and leases to total assets | 72.2000% | 1,272 |
| Net loans and leases to deposits | 79.5863% | 1,600 |
| Net loans and leases to core deposits | 81.6945% | 1,785 |
| Total domestic deposits to total assets | 90.7200% | 1,350 |
| Equity capital to assets | 8.7722% | 2,362 |
| Core capital (leverage) ratio | 8.7808% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2144% | 2,745 |
| Memoranda: | ||
| Average total assets | $266,901,500 | 2,644 |
| Average earning assets | $256,178,000 | 2,594 |
| Average equity | $22,808,250 | 2,752 |
| Average total loans | $176,229,750 | 2,407 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2687% | 2,839 |
| Cost of funding earning assets | 0.2923% | 1,787 |
| Net interest margin | 2.9764% | 2,951 |
| Noninterest income to average assets | 0.4167% | 2,651 |
| Noninterest expense to average assets | 2.7490% | 1,271 |
| Loan and lease loss provision to assets | 0.0089% | 2,435 |
| Net operating income to assets | 0.3904% | 4,123 |
| Return on assets (ROA) | 0.3828% | 4,091 |
| Pretax return on assets | 0.5104% | 3,979 |
| Return on Equity (ROE) | 4.5171% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.5171% | 2,875 |
| Net charge-offs to loans | 0.1733% | 369 |
| Credit loss provision to net charge-offs | 8.0000% | 1,641 |
| Earnings coverage of net charge-offs (x) | 4.7800% | 1,944 |
| Efficiency ratio | 83.8659% | 687 |
| Assets per employee ($millions) | 5.1979% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,329 |
| Loan loss allowance to noncurrent loans | 65.4808% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 436 |
| Noncurrent loans to loans | 1.6171% | 448 |
| Net loans and leases to total assets | 64.2629% | 1,884 |
| Net loans and leases to deposits | 70.5926% | 2,147 |
| Net loans and leases to core deposits | 72.1976% | 2,318 |
| Total domestic deposits to total assets | 91.0334% | 1,223 |
| Equity capital to assets | 8.5829% | 2,699 |
| Core capital (leverage) ratio | 8.4352% | 4,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0257% | 2,485 |
| Memoranda: | ||
| Average total assets | $271,150,667 | 2,639 |
| Average earning assets | $260,651,000 | 2,597 |
| Average equity | $22,979,333 | 2,819 |
| Average total loans | $173,146,000 | 2,442 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0236% | 3,181 |
| Cost of funding earning assets | 0.2972% | 1,682 |
| Net interest margin | 2.7264% | 3,348 |
| Noninterest income to average assets | 0.3741% | 2,848 |
| Noninterest expense to average assets | 2.7219% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2052% | 4,323 |
| Return on assets (ROA) | 0.1959% | 4,308 |
| Pretax return on assets | 0.2622% | 4,248 |
| Return on Equity (ROE) | 2.3262% | 4,210 |
| Retained earnings to average equity (ytd only) | 2.3262% | 3,454 |
| Net charge-offs to loans | -0.0023% | 3,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8555% | 510 |
| Assets per employee ($millions) | 5.0752% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,942 |
| Loan loss allowance to noncurrent loans | 67.8668% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 436 |
| Noncurrent loans to loans | 1.7446% | 450 |
| Net loans and leases to total assets | 61.9942% | 1,858 |
| Net loans and leases to deposits | 67.9953% | 2,154 |
| Net loans and leases to core deposits | 69.6787% | 2,320 |
| Total domestic deposits to total assets | 91.1742% | 942 |
| Equity capital to assets | 8.5269% | 3,134 |
| Core capital (leverage) ratio | 8.3557% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1132% | 2,154 |
| Memoranda: | ||
| Average total assets | $271,579,500 | 2,652 |
| Average earning assets | $261,145,500 | 2,604 |
| Average equity | $22,869,500 | 2,916 |
| Average total loans | $171,940,500 | 2,440 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 2,255 |
| Cost of funding earning assets | 0.3901% | 1,610 |
| Net interest margin | 3.2591% | 2,436 |
| Noninterest income to average assets | 0.7419% | 1,619 |
| Noninterest expense to average assets | 2.8420% | 1,267 |
| Loan and lease loss provision to assets | 0.0599% | 1,859 |
| Net operating income to assets | 0.7181% | 3,576 |
| Return on assets (ROA) | 0.7214% | 3,629 |
| Pretax return on assets | 0.9578% | 3,364 |
| Return on Equity (ROE) | 8.4905% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.4907% | 2,567 |
| Net charge-offs to loans | 0.2110% | 448 |
| Credit loss provision to net charge-offs | 41.6667% | 2,189 |
| Earnings coverage of net charge-offs (x) | 7.0538% | 2,367 |
| Efficiency ratio | 73.7153% | 1,337 |
| Assets per employee ($millions) | 5.1731% | 3,575 |
| Cash dividends to net income (ytd only)* | 35.3319% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,172 |
| Loan loss allowance to noncurrent loans | 47.5589% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.5315% | 267 |
| Noncurrent loans to loans | 2.3977% | 286 |
| Net loans and leases to total assets | 63.1464% | 1,802 |
| Net loans and leases to deposits | 69.1498% | 2,209 |
| Net loans and leases to core deposits | 70.8250% | 2,371 |
| Total domestic deposits to total assets | 91.3183% | 380 |
| Equity capital to assets | 8.3170% | 4,169 |
| Core capital (leverage) ratio | 8.1902% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5317% | 2,435 |
| Memoranda: | ||
| Average total assets | $258,935,200 | 2,667 |
| Average earning assets | $247,368,600 | 2,634 |
| Average equity | $22,001,000 | 3,060 |
| Average total loans | $176,327,800 | 2,409 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 2,150 |
| Cost of funding earning assets | 0.4133% | 1,600 |
| Net interest margin | 3.3346% | 2,322 |
| Noninterest income to average assets | 0.7855% | 1,573 |
| Noninterest expense to average assets | 2.8900% | 1,145 |
| Loan and lease loss provision to assets | 0.0811% | 1,462 |
| Net operating income to assets | 0.7453% | 3,665 |
| Return on assets (ROA) | 0.7473% | 3,723 |
| Pretax return on assets | 0.9961% | 3,467 |
| Return on Equity (ROE) | 8.7458% | 3,187 |
| Retained earnings to average equity (ytd only) | 4.7093% | 3,327 |
| Net charge-offs to loans | 0.2982% | 267 |
| Credit loss provision to net charge-offs | 39.2405% | 1,923 |
| Earnings coverage of net charge-offs (x) | 5.2051% | 2,231 |
| Efficiency ratio | 72.8974% | 1,324 |
| Assets per employee ($millions) | 4.8107% | 3,879 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,390 |
| Loan loss allowance to noncurrent loans | 57.2174% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.3039% | 433 |
| Noncurrent loans to loans | 1.9414% | 462 |
| Net loans and leases to total assets | 66.4187% | 1,495 |
| Net loans and leases to deposits | 72.9676% | 1,965 |
| Net loans and leases to core deposits | 75.4601% | 2,104 |
| Total domestic deposits to total assets | 91.0249% | 363 |
| Equity capital to assets | 8.4528% | 4,242 |
| Core capital (leverage) ratio | 8.3510% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7422% | 2,453 |
| Memoranda: | ||
| Average total assets | $255,125,500 | 2,716 |
| Average earning assets | $243,222,500 | 2,675 |
| Average equity | $21,800,500 | 3,108 |
| Average total loans | $176,627,750 | 2,445 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6168% | 2,566 |
| Cost of funding earning assets | 0.4349% | 1,615 |
| Net interest margin | 3.1819% | 2,807 |
| Noninterest income to average assets | 0.8160% | 1,494 |
| Noninterest expense to average assets | 2.8932% | 1,157 |
| Loan and lease loss provision to assets | 0.1230% | 1,022 |
| Net operating income to assets | 0.6253% | 3,929 |
| Return on assets (ROA) | 0.6247% | 3,988 |
| Pretax return on assets | 0.8303% | 3,804 |
| Return on Equity (ROE) | 7.2829% | 3,581 |
| Retained earnings to average equity (ytd only) | 2.3783% | 4,023 |
| Net charge-offs to loans | 0.4436% | 190 |
| Credit loss provision to net charge-offs | 39.6419% | 1,661 |
| Earnings coverage of net charge-offs (x) | 3.0742% | 2,092 |
| Efficiency ratio | 75.2012% | 1,153 |
| Assets per employee ($millions) | 4.5460% | 4,070 |
| Cash dividends to net income (ytd only)* | 67.3443% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 3,508 |
| Loan loss allowance to noncurrent loans | 40.8003% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.8387% | 248 |
| Noncurrent loans to loans | 2.6422% | 300 |
| Net loans and leases to total assets | 68.8394% | 1,349 |
| Net loans and leases to deposits | 75.3834% | 1,880 |
| Net loans and leases to core deposits | 78.1175% | 2,035 |
| Total domestic deposits to total assets | 91.3189% | 278 |
| Equity capital to assets | 8.2874% | 4,362 |
| Core capital (leverage) ratio | 8.3526% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4928% | 2,550 |
| Memoranda: | ||
| Average total assets | $251,971,333 | 2,728 |
| Average earning assets | $240,045,000 | 2,690 |
| Average equity | $21,612,333 | 3,120 |
| Average total loans | $176,267,000 | 2,464 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7633% | 2,206 |
| Cost of funding earning assets | 0.4668% | 1,610 |
| Net interest margin | 3.2965% | 2,403 |
| Noninterest income to average assets | 0.7102% | 1,847 |
| Noninterest expense to average assets | 2.9449% | 1,074 |
| Loan and lease loss provision to assets | 0.1950% | 626 |
| Net operating income to assets | 0.5298% | 4,118 |
| Return on assets (ROA) | 0.5298% | 4,157 |
| Pretax return on assets | 0.7037% | 4,007 |
| Return on Equity (ROE) | 6.0671% | 3,839 |
| Retained earnings to average equity (ytd only) | -3.7966% | 4,637 |
| Net charge-offs to loans | 0.9082% | 84 |
| Credit loss provision to net charge-offs | 30.6122% | 1,384 |
| Earnings coverage of net charge-offs (x) | 1.4107% | 1,849 |
| Efficiency ratio | 76.6173% | 1,074 |
| Assets per employee ($millions) | 4.4085% | 4,192 |
| Cash dividends to net income (ytd only)* | 162.5767% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,213 |
| Loan loss allowance to noncurrent loans | 41.4072% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8664% | 288 |
| Noncurrent loans to loans | 2.7669% | 305 |
| Net loans and leases to total assets | 66.6814% | 1,706 |
| Net loans and leases to deposits | 73.1961% | 2,193 |
| Net loans and leases to core deposits | 76.2023% | 2,331 |
| Total domestic deposits to total assets | 91.0997% | 366 |
| Equity capital to assets | 8.5127% | 4,106 |
| Core capital (leverage) ratio | 8.5595% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0212% | 1,894 |
| Memoranda: | ||
| Average total assets | $246,124,000 | 2,751 |
| Average earning assets | $233,945,500 | 2,713 |
| Average equity | $21,493,000 | 3,120 |
| Average total loans | $172,658,500 | 2,493 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 1,284 |
| Cost of funding earning assets | 0.7781% | 1,306 |
| Net interest margin | 3.7322% | 1,696 |
| Noninterest income to average assets | 1.0053% | 1,035 |
| Noninterest expense to average assets | 3.3599% | 834 |
| Loan and lease loss provision to assets | 0.3741% | 875 |
| Net operating income to assets | 0.6073% | 3,732 |
| Return on assets (ROA) | 0.6073% | 3,853 |
| Pretax return on assets | 0.8075% | 3,616 |
| Return on Equity (ROE) | 6.2969% | 3,487 |
| Retained earnings to average equity (ytd only) | 2.7272% | 3,497 |
| Net charge-offs to loans | 0.0422% | 2,218 |
| Credit loss provision to net charge-offs | 1,072.3684% | 748 |
| Earnings coverage of net charge-offs (x) | 33.8684% | 1,508 |
| Efficiency ratio | 73.9816% | 1,447 |
| Assets per employee ($millions) | 4.3812% | 4,028 |
| Cash dividends to net income (ytd only)* | 56.6893% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 2,623 |
| Loan loss allowance to noncurrent loans | 44.1212% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 2.0825% | 263 |
| Noncurrent loans to loans | 2.8541% | 324 |
| Net loans and leases to total assets | 72.0445% | 1,282 |
| Net loans and leases to deposits | 79.5380% | 1,921 |
| Net loans and leases to core deposits | 82.8689% | 2,130 |
| Total domestic deposits to total assets | 90.5787% | 343 |
| Equity capital to assets | 8.9619% | 4,088 |
| Core capital (leverage) ratio | 8.8731% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6899% | 1,977 |
| Memoranda: | ||
| Average total assets | $217,837,000 | 2,812 |
| Average earning assets | $206,393,200 | 2,774 |
| Average equity | $21,010,200 | 3,096 |
| Average total loans | $180,104,200 | 2,411 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 960 |
| Cost of funding earning assets | 0.8478% | 1,269 |
| Net interest margin | 3.9056% | 1,339 |
| Noninterest income to average assets | 0.9576% | 1,105 |
| Noninterest expense to average assets | 3.5147% | 694 |
| Loan and lease loss provision to assets | 0.3551% | 1,062 |
| Net operating income to assets | 0.5891% | 3,798 |
| Return on assets (ROA) | 0.5891% | 3,898 |
| Pretax return on assets | 0.7834% | 3,690 |
| Return on Equity (ROE) | 5.9878% | 3,554 |
| Retained earnings to average equity (ytd only) | 1.1950% | 4,182 |
| Net charge-offs to loans | 0.0567% | 1,800 |
| Credit loss provision to net charge-offs | 733.7662% | 1,037 |
| Earnings coverage of net charge-offs (x) | 23.5195% | 1,790 |
| Efficiency ratio | 75.5303% | 1,245 |
| Assets per employee ($millions) | 4.0045% | 4,307 |
| Cash dividends to net income (ytd only)* | 80.0427% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 3,440 |
| Loan loss allowance to noncurrent loans | 55.1559% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.5592% | 536 |
| Noncurrent loans to loans | 1.9103% | 662 |
| Net loans and leases to total assets | 80.7583% | 542 |
| Net loans and leases to deposits | 89.6996% | 1,299 |
| Net loans and leases to core deposits | 95.5718% | 1,496 |
| Total domestic deposits to total assets | 90.0319% | 417 |
| Equity capital to assets | 9.2921% | 3,866 |
| Core capital (leverage) ratio | 8.9853% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2327% | 2,092 |
| Memoranda: | ||
| Average total assets | $212,055,000 | 2,831 |
| Average earning assets | $200,662,000 | 2,800 |
| Average equity | $20,864,000 | 3,106 |
| Average total loans | $181,176,250 | 2,404 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 1,201 |
| Cost of funding earning assets | 0.8999% | 1,376 |
| Net interest margin | 3.8874% | 1,599 |
| Noninterest income to average assets | 0.8652% | 1,249 |
| Noninterest expense to average assets | 3.5547% | 693 |
| Loan and lease loss provision to assets | 0.3049% | 1,412 |
| Net operating income to assets | 0.5110% | 3,985 |
| Return on assets (ROA) | 0.5110% | 4,066 |
| Pretax return on assets | 0.6804% | 3,912 |
| Return on Equity (ROE) | 5.0895% | 3,808 |
| Retained earnings to average equity (ytd only) | -2.1399% | 4,601 |
| Net charge-offs to loans | 0.0535% | 1,725 |
| Credit loss provision to net charge-offs | 656.2500% | 1,043 |
| Earnings coverage of net charge-offs (x) | 21.2083% | 1,661 |
| Efficiency ratio | 78.2989% | 1,026 |
| Assets per employee ($millions) | 4.0404% | 4,267 |
| Cash dividends to net income (ytd only)* | 142.0455% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 3,918 |
| Loan loss allowance to noncurrent loans | 26.2705% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.9306% | 167 |
| Noncurrent loans to loans | 3.4994% | 225 |
| Net loans and leases to total assets | 82.9770% | 329 |
| Net loans and leases to deposits | 92.0880% | 1,146 |
| Net loans and leases to core deposits | 98.9017% | 1,339 |
| Total domestic deposits to total assets | 90.1063% | 377 |
| Equity capital to assets | 9.1932% | 3,931 |
| Core capital (leverage) ratio | 9.3252% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7691% | 2,286 |
| Memoranda: | ||
| Average total assets | $206,653,667 | 2,848 |
| Average earning assets | $195,348,333 | 2,828 |
| Average equity | $20,748,667 | 3,105 |
| Average total loans | $179,468,000 | 2,405 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 1,062 |
| Cost of funding earning assets | 1.0230% | 1,327 |
| Net interest margin | 3.9278% | 1,587 |
| Noninterest income to average assets | 0.5974% | 2,053 |
| Noninterest expense to average assets | 3.6455% | 758 |
| Loan and lease loss provision to assets | 0.2438% | 1,275 |
| Net operating income to assets | 0.3048% | 4,336 |
| Return on assets (ROA) | 0.3048% | 4,358 |
| Pretax return on assets | 0.4064% | 4,280 |
| Return on Equity (ROE) | 2.8954% | 4,245 |
| Retained earnings to average equity (ytd only) | -11.5816% | 4,813 |
| Net charge-offs to loans | 0.0527% | 1,483 |
| Credit loss provision to net charge-offs | 521.7391% | 857 |
| Earnings coverage of net charge-offs (x) | 13.9130% | 1,626 |
| Efficiency ratio | 84.8628% | 777 |
| Assets per employee ($millions) | 3.7075% | 4,268 |
| Cash dividends to net income (ytd only)* | 500.0000% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9172% | 4,046 |
| Loan loss allowance to noncurrent loans | 33.0459% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.4659% | 281 |
| Noncurrent loans to loans | 2.7756% | 408 |
| Net loans and leases to total assets | 88.0269% | 67 |
| Net loans and leases to deposits | 99.1777% | 611 |
| Net loans and leases to core deposits | 108.0888% | 944 |
| Total domestic deposits to total assets | 88.7567% | 777 |
| Equity capital to assets | 10.5939% | 3,233 |
| Core capital (leverage) ratio | 10.0299% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0513% | 2,668 |
| Memoranda: | ||
| Average total assets | $196,848,000 | 2,897 |
| Average earning assets | $185,346,000 | 2,870 |
| Average equity | $20,722,500 | 3,101 |
| Average total loans | $174,457,000 | 2,421 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1469% | 1,114 |
| Cost of funding earning assets | 1.0339% | 1,583 |
| Net interest margin | 4.1130% | 1,505 |
| Noninterest income to average assets | 0.7054% | 1,797 |
| Noninterest expense to average assets | 3.3945% | 1,126 |
| Loan and lease loss provision to assets | 0.3461% | 445 |
| Net operating income to assets | 0.6217% | 4,096 |
| Return on assets (ROA) | 0.6217% | 4,161 |
| Pretax return on assets | 0.8267% | 3,922 |
| Return on Equity (ROE) | 6.0181% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.0181% | 1,859 |
| Net charge-offs to loans | 0.8257% | 200 |
| Credit loss provision to net charge-offs | 46.1122% | 3,154 |
| Earnings coverage of net charge-offs (x) | 1.5625% | 3,523 |
| Efficiency ratio | 74.3222% | 1,570 |
| Assets per employee ($millions) | 3.7205% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 4,221 |
| Loan loss allowance to noncurrent loans | 31.9048% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 2.2996% | 303 |
| Noncurrent loans to loans | 2.6008% | 405 |
| Net loans and leases to total assets | 87.6837% | 93 |
| Net loans and leases to deposits | 98.6178% | 704 |
| Net loans and leases to core deposits | 107.0387% | 1,043 |
| Total domestic deposits to total assets | 88.9127% | 706 |
| Equity capital to assets | 10.4632% | 3,486 |
| Core capital (leverage) ratio | 10.2068% | 3,292 |
| Tier 1 risk-based capital ratio | 11.8956% | 4,425 |
| Total risk-based capital ratio | 12.7566% | 4,504 |
| Memoranda: | ||
| Average total assets | $197,054,000 | 2,864 |
| Average earning assets | $185,023,800 | 2,839 |
| Average equity | $20,355,400 | 3,103 |
| Average total loans | $179,124,600 | 2,326 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 1,233 |
| Cost of funding earning assets | 1.0266% | 1,647 |
| Net interest margin | 4.0968% | 1,621 |
| Noninterest income to average assets | 0.5902% | 2,259 |
| Noninterest expense to average assets | 3.4486% | 1,016 |
| Loan and lease loss provision to assets | 0.2244% | 765 |
| Net operating income to assets | 0.5800% | 4,341 |
| Return on assets (ROA) | 0.5800% | 4,388 |
| Pretax return on assets | 0.7704% | 4,193 |
| Return on Equity (ROE) | 5.6333% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.6333% | 2,550 |
| Net charge-offs to loans | 0.6254% | 259 |
| Credit loss provision to net charge-offs | 39.1924% | 2,862 |
| Earnings coverage of net charge-offs (x) | 1.7375% | 3,259 |
| Efficiency ratio | 77.6129% | 1,141 |
| Assets per employee ($millions) | 3.4064% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 3,709 |
| Loan loss allowance to noncurrent loans | 34.6935% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 2.5677% | 255 |
| Noncurrent loans to loans | 2.8091% | 377 |
| Net loans and leases to total assets | 90.5144% | 40 |
| Net loans and leases to deposits | 101.9456% | 509 |
| Net loans and leases to core deposits | 110.2323% | 941 |
| Total domestic deposits to total assets | 88.7869% | 695 |
| Equity capital to assets | 10.4513% | 3,588 |
| Core capital (leverage) ratio | 10.1119% | 3,521 |
| Tier 1 risk-based capital ratio | 11.5583% | 4,641 |
| Total risk-based capital ratio | 12.5758% | 4,651 |
| Memoranda: | ||
| Average total assets | $196,091,250 | 2,895 |
| Average earning assets | $184,430,250 | 2,869 |
| Average equity | $20,189,000 | 3,136 |
| Average total loans | $179,497,000 | 2,346 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 1,375 |
| Cost of funding earning assets | 0.9983% | 1,701 |
| Net interest margin | 4.0409% | 1,794 |
| Noninterest income to average assets | 0.5276% | 2,528 |
| Noninterest expense to average assets | 3.4418% | 1,039 |
| Loan and lease loss provision to assets | 0.2454% | 632 |
| Net operating income to assets | 0.4847% | 4,563 |
| Return on assets (ROA) | 0.4847% | 4,596 |
| Pretax return on assets | 0.6442% | 4,458 |
| Return on Equity (ROE) | 4.7316% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.7316% | 2,897 |
| Net charge-offs to loans | 0.9568% | 150 |
| Credit loss provision to net charge-offs | 28.0047% | 2,609 |
| Earnings coverage of net charge-offs (x) | 1.0152% | 3,060 |
| Efficiency ratio | 79.4618% | 1,017 |
| Assets per employee ($millions) | 3.5196% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 3,999 |
| Loan loss allowance to noncurrent loans | 30.3336% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.7682% | 244 |
| Noncurrent loans to loans | 3.0371% | 333 |
| Net loans and leases to total assets | 90.3077% | 52 |
| Net loans and leases to deposits | 101.3576% | 584 |
| Net loans and leases to core deposits | 109.6672% | 994 |
| Total domestic deposits to total assets | 89.0982% | 624 |
| Equity capital to assets | 10.2849% | 3,712 |
| Core capital (leverage) ratio | 10.1879% | 3,393 |
| Tier 1 risk-based capital ratio | 11.0896% | 4,871 |
| Total risk-based capital ratio | 12.0254% | 4,913 |
| Memoranda: | ||
| Average total assets | $195,597,330 | 2,906 |
| Average earning assets | $184,118,670 | 2,879 |
| Average equity | $20,035,670 | 3,145 |
| Average total loans | $179,132,000 | 2,351 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9101% | 1,565 |
| Cost of funding earning assets | 0.9546% | 1,771 |
| Net interest margin | 3.9556% | 2,003 |
| Noninterest income to average assets | 0.5194% | 2,440 |
| Noninterest expense to average assets | 3.4201% | 1,083 |
| Loan and lease loss provision to assets | 0.1642% | 1,027 |
| Net operating income to assets | 0.4988% | 4,526 |
| Return on assets (ROA) | 0.4988% | 4,546 |
| Pretax return on assets | 0.6610% | 4,395 |
| Return on Equity (ROE) | 4.8800% | 4,352 |
| Retained earnings to average equity (ytd only) | 4.8800% | 2,956 |
| Net charge-offs to loans | 0.0201% | 2,051 |
| Credit loss provision to net charge-offs | 888.8889% | 411 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 1,086 |
| Efficiency ratio | 80.5609% | 1,002 |
| Assets per employee ($millions) | 3.6634% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,025 |
| Loan loss allowance to noncurrent loans | 40.5925% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.9728% | 213 |
| Noncurrent loans to loans | 3.2384% | 308 |
| Net loans and leases to total assets | 90.5918% | 41 |
| Net loans and leases to deposits | 104.4259% | 383 |
| Net loans and leases to core deposits | 112.6298% | 800 |
| Total domestic deposits to total assets | 86.7522% | 1,931 |
| Equity capital to assets | 10.3208% | 3,506 |
| Core capital (leverage) ratio | 10.3372% | 3,234 |
| Tier 1 risk-based capital ratio | 11.0707% | 4,944 |
| Total risk-based capital ratio | 12.3216% | 4,848 |
| Memoranda: | ||
| Average total assets | $194,848,500 | 2,951 |
| Average earning assets | $183,539,500 | 2,915 |
| Average equity | $19,918,000 | 3,164 |
| Average total loans | $178,874,500 | 2,380 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 1,336 |
| Cost of funding earning assets | 0.6791% | 2,217 |
| Net interest margin | 4.2032% | 1,384 |
| Noninterest income to average assets | 0.4963% | 2,849 |
| Noninterest expense to average assets | 3.3905% | 1,168 |
| Loan and lease loss provision to assets | 0.1457% | 1,467 |
| Net operating income to assets | 0.6563% | 4,266 |
| Return on assets (ROA) | 0.6563% | 4,269 |
| Pretax return on assets | 0.8941% | 3,915 |
| Return on Equity (ROE) | 6.4212% | 4,029 |
| Retained earnings to average equity (ytd only) | 3.6744% | 3,560 |
| Net charge-offs to loans | 0.0582% | 2,306 |
| Credit loss provision to net charge-offs | 275.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 19.6300% | 2,050 |
| Efficiency ratio | 76.5304% | 1,289 |
| Assets per employee ($millions) | 3.9107% | 4,025 |
| Cash dividends to net income (ytd only)* | 42.7764% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,222 |
| Loan loss allowance to noncurrent loans | 36.7697% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 3.1600% | 184 |
| Noncurrent loans to loans | 3.4421% | 263 |
| Net loans and leases to total assets | 90.6432% | 50 |
| Net loans and leases to deposits | 106.9637% | 337 |
| Net loans and leases to core deposits | 114.9647% | 737 |
| Total domestic deposits to total assets | 84.7419% | 2,753 |
| Equity capital to assets | 10.1245% | 3,551 |
| Core capital (leverage) ratio | 10.2159% | 3,342 |
| Tier 1 risk-based capital ratio | 10.8582% | 5,040 |
| Total risk-based capital ratio | 12.1085% | 4,926 |
| Memoranda: | ||
| Average total assets | $188,792,200 | 2,972 |
| Average earning assets | $176,698,600 | 2,958 |
| Average equity | $19,295,600 | 3,157 |
| Average total loans | $171,685,400 | 2,425 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8201% | 1,374 |
| Cost of funding earning assets | 0.6120% | 2,392 |
| Net interest margin | 4.2081% | 1,340 |
| Noninterest income to average assets | 0.4418% | 3,224 |
| Noninterest expense to average assets | 3.4724% | 1,019 |
| Loan and lease loss provision to assets | 0.1425% | 1,400 |
| Net operating income to assets | 0.5501% | 4,646 |
| Return on assets (ROA) | 0.5501% | 4,654 |
| Pretax return on assets | 0.7610% | 4,397 |
| Return on Equity (ROE) | 5.3693% | 4,454 |
| Retained earnings to average equity (ytd only) | 1.6831% | 4,680 |
| Net charge-offs to loans | 0.0236% | 2,660 |
| Credit loss provision to net charge-offs | 666.6667% | 547 |
| Earnings coverage of net charge-offs (x) | 42.2655% | 1,307 |
| Efficiency ratio | 79.3519% | 1,004 |
| Assets per employee ($millions) | 3.8093% | 4,162 |
| Cash dividends to net income (ytd only)* | 68.6528% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,232 |
| Loan loss allowance to noncurrent loans | 34.5843% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 3.3741% | 184 |
| Noncurrent loans to loans | 3.6835% | 250 |
| Net loans and leases to total assets | 90.4351% | 60 |
| Net loans and leases to deposits | 104.1854% | 538 |
| Net loans and leases to core deposits | 110.5038% | 1,005 |
| Total domestic deposits to total assets | 86.8020% | 1,821 |
| Equity capital to assets | 9.9495% | 3,698 |
| Core capital (leverage) ratio | 10.1616% | 3,450 |
| Tier 1 risk-based capital ratio | 10.7551% | 5,149 |
| Total risk-based capital ratio | 12.0055% | 5,049 |
| Memoranda: | ||
| Average total assets | $187,106,250 | 3,013 |
| Average earning assets | $174,928,500 | 2,997 |
| Average equity | $19,170,250 | 3,189 |
| Average total loans | $169,728,750 | 2,457 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7486% | 1,388 |
| Cost of funding earning assets | 0.5857% | 2,324 |
| Net interest margin | 4.1628% | 1,370 |
| Noninterest income to average assets | 0.3887% | 3,566 |
| Noninterest expense to average assets | 3.4637% | 1,043 |
| Loan and lease loss provision to assets | 0.1624% | 1,144 |
| Net operating income to assets | 0.4515% | 4,856 |
| Return on assets (ROA) | 0.4515% | 4,861 |
| Pretax return on assets | 0.6486% | 4,643 |
| Return on Equity (ROE) | 4.3625% | 4,728 |
| Retained earnings to average equity (ytd only) | -1.1822% | 5,086 |
| Net charge-offs to loans | -0.0084% | 4,262 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0284% | 916 |
| Assets per employee ($millions) | 3.7540% | 4,278 |
| Cash dividends to net income (ytd only)* | 127.0983% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,100 |
| Loan loss allowance to noncurrent loans | 38.8324% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 3.0938% | 230 |
| Noncurrent loans to loans | 3.3844% | 299 |
| Net loans and leases to total assets | 90.2114% | 68 |
| Net loans and leases to deposits | 107.1074% | 388 |
| Net loans and leases to core deposits | 113.5609% | 813 |
| Total domestic deposits to total assets | 84.2252% | 2,979 |
| Equity capital to assets | 10.1088% | 3,534 |
| Core capital (leverage) ratio | 10.3262% | 3,215 |
| Tier 1 risk-based capital ratio | 10.9504% | 5,077 |
| Total risk-based capital ratio | 12.2016% | 4,966 |
| Memoranda: | ||
| Average total assets | $184,717,670 | 3,051 |
| Average earning assets | $172,430,000 | 3,038 |
| Average equity | $19,117,330 | 3,210 |
| Average total loans | $166,986,000 | 2,488 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 1,390 |
| Cost of funding earning assets | 0.5623% | 2,303 |
| Net interest margin | 4.1045% | 1,426 |
| Noninterest income to average assets | 0.4213% | 3,307 |
| Noninterest expense to average assets | 3.4973% | 1,006 |
| Loan and lease loss provision to assets | 0.1637% | 1,096 |
| Net operating income to assets | 0.4432% | 4,833 |
| Return on assets (ROA) | 0.4432% | 4,834 |
| Pretax return on assets | 0.5851% | 4,721 |
| Return on Equity (ROE) | 4.2316% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.2316% | 3,496 |
| Net charge-offs to loans | 0.0024% | 2,651 |
| Credit loss provision to net charge-offs | 7,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 343.0000% | 197 |
| Efficiency ratio | 82.3650% | 915 |
| Assets per employee ($millions) | 3.6438% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,204 |
| Loan loss allowance to noncurrent loans | 36.8823% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.2324% | 231 |
| Noncurrent loans to loans | 3.5503% | 293 |
| Net loans and leases to total assets | 89.8517% | 67 |
| Net loans and leases to deposits | 105.8731% | 389 |
| Net loans and leases to core deposits | 112.1655% | 881 |
| Total domestic deposits to total assets | 84.8674% | 2,988 |
| Equity capital to assets | 10.5879% | 2,984 |
| Core capital (leverage) ratio | 10.5484% | 2,894 |
| Tier 1 risk-based capital ratio | 11.4056% | 4,916 |
| Total risk-based capital ratio | 12.6567% | 4,814 |
| Memoranda: | ||
| Average total assets | $183,227,500 | 3,098 |
| Average earning assets | $170,740,000 | 3,089 |
| Average equity | $19,189,000 | 3,230 |
| Average total loans | $164,689,000 | 2,529 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 1,042 |
| Cost of funding earning assets | 0.5451% | 1,988 |
| Net interest margin | 4.2209% | 1,145 |
| Noninterest income to average assets | 0.5511% | 2,715 |
| Noninterest expense to average assets | 3.3973% | 1,200 |
| Loan and lease loss provision to assets | 0.1941% | 1,081 |
| Net operating income to assets | 0.5930% | 4,040 |
| Return on assets (ROA) | 0.5930% | 4,081 |
| Pretax return on assets | 0.9121% | 3,874 |
| Return on Equity (ROE) | 5.6620% | 3,888 |
| Retained earnings to average equity (ytd only) | 5.6620% | 1,731 |
| Net charge-offs to loans | 0.2004% | 1,283 |
| Credit loss provision to net charge-offs | 107.1875% | 2,417 |
| Earnings coverage of net charge-offs (x) | 6.1094% | 3,227 |
| Efficiency ratio | 75.4366% | 1,700 |
| Assets per employee ($millions) | 3.6131% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 2,308 |
| Loan loss allowance to noncurrent loans | 33.1332% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 3.4347% | 198 |
| Noncurrent loans to loans | 3.8708% | 253 |
| Net loans and leases to total assets | 87.5956% | 158 |
| Net loans and leases to deposits | 98.2799% | 881 |
| Net loans and leases to core deposits | 103.4123% | 1,453 |
| Total domestic deposits to total assets | 89.1288% | 945 |
| Equity capital to assets | 10.3589% | 3,322 |
| Core capital (leverage) ratio | 10.1098% | 3,304 |
| Tier 1 risk-based capital ratio | 11.3984% | 4,918 |
| Total risk-based capital ratio | 12.6489% | 4,798 |
| Memoranda: | ||
| Average total assets | $176,727,600 | 3,161 |
| Average earning assets | $165,486,200 | 3,135 |
| Average equity | $18,509,400 | 3,296 |
| Average total loans | $159,667,800 | 2,552 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 998 |
| Cost of funding earning assets | 0.5367% | 1,979 |
| Net interest margin | 4.2260% | 1,098 |
| Noninterest income to average assets | 0.5224% | 2,885 |
| Noninterest expense to average assets | 3.5246% | 955 |
| Loan and lease loss provision to assets | 0.1716% | 1,173 |
| Net operating income to assets | 0.4972% | 4,736 |
| Return on assets (ROA) | 0.4972% | 4,776 |
| Pretax return on assets | 0.7954% | 4,358 |
| Return on Equity (ROE) | 4.7336% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.7336% | 3,062 |
| Net charge-offs to loans | -0.0302% | 5,000 |
| Credit loss provision to net charge-offs | -625.0000% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4720% | 1,267 |
| Assets per employee ($millions) | 3.1777% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 1,663 |
| Loan loss allowance to noncurrent loans | 38.5568% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 3.4032% | 240 |
| Noncurrent loans to loans | 3.7977% | 271 |
| Net loans and leases to total assets | 88.3001% | 138 |
| Net loans and leases to deposits | 99.3990% | 788 |
| Net loans and leases to core deposits | 105.3284% | 1,314 |
| Total domestic deposits to total assets | 88.8339% | 958 |
| Equity capital to assets | 10.5041% | 3,372 |
| Core capital (leverage) ratio | 10.1184% | 3,420 |
| Tier 1 risk-based capital ratio | 11.7721% | 4,789 |
| Total risk-based capital ratio | 13.0254% | 4,652 |
| Memoranda: | ||
| Average total assets | $174,843,000 | 3,208 |
| Average earning assets | $164,216,750 | 3,182 |
| Average equity | $18,364,750 | 3,347 |
| Average total loans | $158,708,250 | 2,582 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 960 |
| Cost of funding earning assets | 0.5221% | 1,993 |
| Net interest margin | 4.2306% | 1,011 |
| Noninterest income to average assets | 0.5236% | 2,872 |
| Noninterest expense to average assets | 3.5223% | 977 |
| Loan and lease loss provision to assets | 0.1726% | 1,118 |
| Net operating income to assets | 0.4994% | 4,708 |
| Return on assets (ROA) | 0.4994% | 4,743 |
| Pretax return on assets | 0.8009% | 4,274 |
| Return on Equity (ROE) | 4.7547% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.7547% | 2,882 |
| Net charge-offs to loans | -0.0341% | 5,019 |
| Credit loss provision to net charge-offs | -555.5556% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3466% | 1,413 |
| Assets per employee ($millions) | 3.0893% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 2,039 |
| Loan loss allowance to noncurrent loans | 37.1391% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 3.3827% | 243 |
| Noncurrent loans to loans | 3.7128% | 281 |
| Net loans and leases to total assets | 89.8509% | 83 |
| Net loans and leases to deposits | 102.3718% | 590 |
| Net loans and leases to core deposits | 108.3078% | 1,091 |
| Total domestic deposits to total assets | 87.7691% | 1,584 |
| Equity capital to assets | 10.3099% | 3,558 |
| Core capital (leverage) ratio | 10.4666% | 2,952 |
| Tier 1 risk-based capital ratio | 11.2296% | 5,124 |
| Total risk-based capital ratio | 12.4820% | 5,013 |
| Memoranda: | ||
| Average total assets | $173,807,330 | 3,243 |
| Average earning assets | $163,193,330 | 3,196 |
| Average equity | $18,255,670 | 3,367 |
| Average total loans | $158,456,000 | 2,587 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 718 |
| Cost of funding earning assets | 0.5172% | 1,956 |
| Net interest margin | 4.3018% | 781 |
| Noninterest income to average assets | 0.4815% | 3,103 |
| Noninterest expense to average assets | 3.5320% | 999 |
| Loan and lease loss provision to assets | 0.1753% | 1,006 |
| Net operating income to assets | 0.5096% | 4,560 |
| Return on assets (ROA) | 0.5096% | 4,589 |
| Pretax return on assets | 0.8181% | 4,045 |
| Return on Equity (ROE) | 4.8052% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.8052% | 3,009 |
| Net charge-offs to loans | -0.0026% | 4,036 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0475% | 1,621 |
| Assets per employee ($millions) | 3.3270% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 2,205 |
| Loan loss allowance to noncurrent loans | 37.2037% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 3.3404% | 264 |
| Noncurrent loans to loans | 3.6859% | 311 |
| Net loans and leases to total assets | 89.3823% | 73 |
| Net loans and leases to deposits | 102.8835% | 450 |
| Net loans and leases to core deposits | 108.5447% | 944 |
| Total domestic deposits to total assets | 86.8772% | 2,276 |
| Equity capital to assets | 10.5524% | 3,130 |
| Core capital (leverage) ratio | 10.5372% | 2,857 |
| Tier 1 risk-based capital ratio | 11.3861% | 5,097 |
| Total risk-based capital ratio | 12.6379% | 4,998 |
| Memoranda: | ||
| Average total assets | $171,122,000 | 3,299 |
| Average earning assets | $160,863,500 | 3,253 |
| Average equity | $18,147,000 | 3,395 |
| Average total loans | $156,062,000 | 2,630 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 952 |
| Cost of funding earning assets | 0.4435% | 2,588 |
| Net interest margin | 4.3133% | 914 |
| Noninterest income to average assets | 0.6439% | 2,447 |
| Noninterest expense to average assets | 3.3930% | 1,377 |
| Loan and lease loss provision to assets | 0.1349% | 1,853 |
| Net operating income to assets | 0.7420% | 3,578 |
| Return on assets (ROA) | 0.7420% | 3,694 |
| Pretax return on assets | 1.1835% | 2,750 |
| Return on Equity (ROE) | 6.9569% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.9569% | 1,246 |
| Net charge-offs to loans | 0.2438% | 1,143 |
| Credit loss provision to net charge-offs | 59.7826% | 3,253 |
| Earnings coverage of net charge-offs (x) | 5.8424% | 3,271 |
| Efficiency ratio | 72.0161% | 2,587 |
| Assets per employee ($millions) | 3.1932% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,360 |
| Loan loss allowance to noncurrent loans | 36.2018% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 3.3851% | 265 |
| Noncurrent loans to loans | 3.6881% | 311 |
| Net loans and leases to total assets | 90.5607% | 57 |
| Net loans and leases to deposits | 102.4211% | 506 |
| Net loans and leases to core deposits | 107.1296% | 1,059 |
| Total domestic deposits to total assets | 88.4200% | 1,428 |
| Equity capital to assets | 10.6582% | 2,968 |
| Core capital (leverage) ratio | 10.6683% | 2,701 |
| Tier 1 risk-based capital ratio | 11.6345% | 4,963 |
| Total risk-based capital ratio | 12.8861% | 4,869 |
| Memoranda: | ||
| Average total assets | $163,071,800 | 3,362 |
| Average earning assets | $153,781,400 | 3,327 |
| Average equity | $17,392,800 | 3,500 |
| Average total loans | $150,927,200 | 2,626 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 963 |
| Cost of funding earning assets | 0.4281% | 2,754 |
| Net interest margin | 4.3331% | 873 |
| Noninterest income to average assets | 0.6405% | 2,475 |
| Noninterest expense to average assets | 3.4874% | 1,173 |
| Loan and lease loss provision to assets | 0.1486% | 1,580 |
| Net operating income to assets | 0.6826% | 3,948 |
| Return on assets (ROA) | 0.6826% | 4,075 |
| Pretax return on assets | 1.0904% | 3,269 |
| Return on Equity (ROE) | 6.3990% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.3990% | 1,961 |
| Net charge-offs to loans | 0.3337% | 690 |
| Credit loss provision to net charge-offs | 48.0000% | 3,058 |
| Earnings coverage of net charge-offs (x) | 4.0026% | 3,326 |
| Efficiency ratio | 73.7862% | 2,328 |
| Assets per employee ($millions) | 3.2380% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,437 |
| Loan loss allowance to noncurrent loans | 35.3578% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.4698% | 287 |
| Noncurrent loans to loans | 3.8195% | 308 |
| Net loans and leases to total assets | 89.6172% | 78 |
| Net loans and leases to deposits | 101.1800% | 627 |
| Net loans and leases to core deposits | 106.4797% | 1,153 |
| Total domestic deposits to total assets | 88.5721% | 1,120 |
| Equity capital to assets | 10.6910% | 3,360 |
| Core capital (leverage) ratio | 10.5654% | 2,914 |
| Tier 1 risk-based capital ratio | 11.8681% | 4,878 |
| Total risk-based capital ratio | 13.1198% | 4,770 |
| Memoranda: | ||
| Average total assets | $161,529,750 | 3,398 |
| Average earning assets | $152,312,750 | 3,364 |
| Average equity | $17,231,500 | 3,550 |
| Average total loans | $149,824,250 | 2,649 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 981 |
| Cost of funding earning assets | 0.4129% | 2,912 |
| Net interest margin | 4.3214% | 883 |
| Noninterest income to average assets | 0.5988% | 2,627 |
| Noninterest expense to average assets | 3.4954% | 1,168 |
| Loan and lease loss provision to assets | 0.1497% | 1,535 |
| Net operating income to assets | 0.6412% | 4,091 |
| Return on assets (ROA) | 0.6412% | 4,233 |
| Pretax return on assets | 1.0267% | 3,488 |
| Return on Equity (ROE) | 6.0151% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.0151% | 2,111 |
| Net charge-offs to loans | 0.3018% | 788 |
| Credit loss provision to net charge-offs | 53.0973% | 2,638 |
| Earnings coverage of net charge-offs (x) | 4.1726% | 3,011 |
| Efficiency ratio | 74.8198% | 2,244 |
| Assets per employee ($millions) | 3.3382% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 2,309 |
| Loan loss allowance to noncurrent loans | 35.6301% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 3.7046% | 270 |
| Noncurrent loans to loans | 3.9201% | 307 |
| Net loans and leases to total assets | 93.1825% | 16 |
| Net loans and leases to deposits | 106.7239% | 340 |
| Net loans and leases to core deposits | 112.0541% | 809 |
| Total domestic deposits to total assets | 87.3118% | 1,749 |
| Equity capital to assets | 10.8229% | 3,262 |
| Core capital (leverage) ratio | 10.4355% | 3,035 |
| Tier 1 risk-based capital ratio | 11.8439% | 4,943 |
| Total risk-based capital ratio | 13.0973% | 4,824 |
| Memoranda: | ||
| Average total assets | $160,326,670 | 3,430 |
| Average earning assets | $151,110,000 | 3,392 |
| Average equity | $17,090,330 | 3,579 |
| Average total loans | $149,759,330 | 2,650 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 671 |
| Cost of funding earning assets | 0.4107% | 2,953 |
| Net interest margin | 4.5119% | 595 |
| Noninterest income to average assets | 0.5537% | 2,781 |
| Noninterest expense to average assets | 3.5592% | 1,083 |
| Loan and lease loss provision to assets | 0.1497% | 1,415 |
| Net operating income to assets | 0.6859% | 3,786 |
| Return on assets (ROA) | 0.6859% | 3,902 |
| Pretax return on assets | 1.0925% | 3,123 |
| Return on Equity (ROE) | 6.4841% | 3,733 |
| Retained earnings to average equity (ytd only) | 6.4841% | 2,142 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1299% | 2,454 |
| Assets per employee ($millions) | 3.5395% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,901 |
| Loan loss allowance to noncurrent loans | 139.3162% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 2,196 |
| Noncurrent loans to loans | 1.0910% | 2,210 |
| Net loans and leases to total assets | 90.8075% | 49 |
| Net loans and leases to deposits | 102.0091% | 509 |
| Net loans and leases to core deposits | 115.2988% | 621 |
| Total domestic deposits to total assets | 89.0190% | 1,091 |
| Equity capital to assets | 10.5032% | 3,491 |
| Core capital (leverage) ratio | 10.3286% | 3,157 |
| Tier 1 risk-based capital ratio | 11.5006% | 5,233 |
| Total risk-based capital ratio | 12.7549% | 5,136 |
| Memoranda: | ||
| Average total assets | $160,372,500 | 3,441 |
| Average earning assets | $150,977,000 | 3,412 |
| Average equity | $16,964,500 | 3,594 |
| Average total loans | $148,926,000 | 2,670 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9039% | 760 |
| Cost of funding earning assets | 0.4663% | 2,471 |
| Net interest margin | 4.4376% | 734 |
| Noninterest income to average assets | 0.8066% | 1,765 |
| Noninterest expense to average assets | 3.3414% | 1,626 |
| Loan and lease loss provision to assets | 0.0924% | 2,458 |
| Net operating income to assets | 0.9733% | 2,499 |
| Return on assets (ROA) | 0.9733% | 2,579 |
| Pretax return on assets | 1.5492% | 1,411 |
| Return on Equity (ROE) | 9.3642% | 2,286 |
| Retained earnings to average equity (ytd only) | 9.3642% | 568 |
| Net charge-offs to loans | -0.0021% | 4,881 |
| Credit loss provision to net charge-offs | -4,766.6667% | 5,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0558% | 3,736 |
| Assets per employee ($millions) | 3.4332% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 1,979 |
| Loan loss allowance to noncurrent loans | 60.6441% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 2.3200% | 694 |
| Noncurrent loans to loans | 2.4804% | 744 |
| Net loans and leases to total assets | 92.1293% | 23 |
| Net loans and leases to deposits | 103.9182% | 443 |
| Net loans and leases to core deposits | 117.6550% | 551 |
| Total domestic deposits to total assets | 88.6556% | 1,305 |
| Equity capital to assets | 10.6555% | 3,184 |
| Core capital (leverage) ratio | 10.3387% | 3,116 |
| Tier 1 risk-based capital ratio | 11.5462% | 5,216 |
| Total risk-based capital ratio | 12.7997% | 5,128 |
| Memoranda: | ||
| Average total assets | $154,725,600 | 3,497 |
| Average earning assets | $145,619,200 | 3,465 |
| Average equity | $16,082,600 | 3,664 |
| Average total loans | $140,552,200 | 2,719 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 853 |
| Cost of funding earning assets | 0.4947% | 2,264 |
| Net interest margin | 4.3557% | 868 |
| Noninterest income to average assets | 0.8982% | 1,457 |
| Noninterest expense to average assets | 3.4154% | 1,447 |
| Loan and lease loss provision to assets | 0.0589% | 3,006 |
| Net operating income to assets | 0.9554% | 2,694 |
| Return on assets (ROA) | 0.9554% | 2,779 |
| Pretax return on assets | 1.5193% | 1,628 |
| Return on Equity (ROE) | 9.2514% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.2514% | 810 |
| Net charge-offs to loans | -0.0077% | 4,911 |
| Credit loss provision to net charge-offs | -850.0000% | 5,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3955% | 3,469 |
| Assets per employee ($millions) | 3.2770% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 2,248 |
| Loan loss allowance to noncurrent loans | 59.8276% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.2868% | 806 |
| Noncurrent loans to loans | 2.4707% | 827 |
| Net loans and leases to total assets | 91.1873% | 39 |
| Net loans and leases to deposits | 102.7251% | 509 |
| Net loans and leases to core deposits | 115.8643% | 597 |
| Total domestic deposits to total assets | 88.7682% | 1,144 |
| Equity capital to assets | 10.4415% | 3,659 |
| Core capital (leverage) ratio | 9.9255% | 3,737 |
| Tier 1 risk-based capital ratio | 11.1079% | 5,601 |
| Total risk-based capital ratio | 12.3610% | 5,492 |
| Memoranda: | ||
| Average total assets | $153,925,000 | 3,541 |
| Average earning assets | $144,726,750 | 3,509 |
| Average equity | $15,896,250 | 3,728 |
| Average total loans | $138,760,250 | 2,758 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 937 |
| Cost of funding earning assets | 0.4977% | 2,273 |
| Net interest margin | 4.2759% | 967 |
| Noninterest income to average assets | 1.0694% | 1,049 |
| Noninterest expense to average assets | 3.4371% | 1,403 |
| Loan and lease loss provision to assets | 0.0589% | 2,924 |
| Net operating income to assets | 0.9948% | 2,412 |
| Return on assets (ROA) | 0.9948% | 2,526 |
| Pretax return on assets | 1.5877% | 1,367 |
| Return on Equity (ROE) | 9.6690% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.6690% | 736 |
| Net charge-offs to loans | -0.0117% | 4,976 |
| Credit loss provision to net charge-offs | -562.5000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6107% | 3,731 |
| Assets per employee ($millions) | 3.4113% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 2,200 |
| Loan loss allowance to noncurrent loans | 59.0896% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.2961% | 877 |
| Noncurrent loans to loans | 2.5748% | 855 |
| Net loans and leases to total assets | 87.8198% | 153 |
| Net loans and leases to deposits | 102.3226% | 532 |
| Net loans and leases to core deposits | 114.4322% | 649 |
| Total domestic deposits to total assets | 85.8264% | 2,784 |
| Equity capital to assets | 10.2480% | 3,751 |
| Core capital (leverage) ratio | 10.0650% | 3,508 |
| Tier 1 risk-based capital ratio | 11.8367% | 5,253 |
| Total risk-based capital ratio | 13.0912% | 5,151 |
| Memoranda: | ||
| Average total assets | $152,801,670 | 3,583 |
| Average earning assets | $143,456,330 | 3,549 |
| Average equity | $15,720,330 | 3,774 |
| Average total loans | $136,485,330 | 2,802 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 802 |
| Cost of funding earning assets | 0.4906% | 2,375 |
| Net interest margin | 4.3418% | 807 |
| Noninterest income to average assets | 1.3453% | 637 |
| Noninterest expense to average assets | 3.5000% | 1,311 |
| Loan and lease loss provision to assets | 0.0610% | 2,708 |
| Net operating income to assets | 1.1569% | 1,680 |
| Return on assets (ROA) | 1.1569% | 1,785 |
| Pretax return on assets | 1.8468% | 798 |
| Return on Equity (ROE) | 11.2227% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.2227% | 682 |
| Net charge-offs to loans | 0.0059% | 3,124 |
| Credit loss provision to net charge-offs | 1,150.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 359.5000% | 156 |
| Efficiency ratio | 64.7203% | 4,361 |
| Assets per employee ($millions) | 3.4618% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 2,192 |
| Loan loss allowance to noncurrent loans | 58.4937% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.9576% | 642 |
| Noncurrent loans to loans | 2.6666% | 890 |
| Net loans and leases to total assets | 86.8866% | 149 |
| Net loans and leases to deposits | 101.2733% | 492 |
| Net loans and leases to core deposits | 113.5250% | 593 |
| Total domestic deposits to total assets | 85.7942% | 3,040 |
| Equity capital to assets | 10.3461% | 3,724 |
| Core capital (leverage) ratio | 10.1276% | 3,428 |
| Tier 1 risk-based capital ratio | 12.1596% | 5,141 |
| Total risk-based capital ratio | 13.4097% | 5,048 |
| Memoranda: | ||
| Average total assets | $150,743,500 | 3,640 |
| Average earning assets | $141,049,000 | 3,608 |
| Average equity | $15,540,000 | 3,824 |
| Average total loans | $134,761,000 | 2,833 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 1,118 |
| Cost of funding earning assets | 0.5409% | 2,281 |
| Net interest margin | 4.2587% | 1,145 |
| Noninterest income to average assets | 0.4298% | 3,972 |
| Noninterest expense to average assets | 3.0917% | 2,546 |
| Loan and lease loss provision to assets | 0.3631% | 515 |
| Net operating income to assets | 0.5869% | 4,440 |
| Return on assets (ROA) | 0.5869% | 4,513 |
| Pretax return on assets | 0.9355% | 3,760 |
| Return on Equity (ROE) | 5.9974% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.9974% | 1,935 |
| Net charge-offs to loans | 0.0599% | 3,643 |
| Credit loss provision to net charge-offs | 696.2025% | 382 |
| Earnings coverage of net charge-offs (x) | 24.8987% | 1,512 |
| Efficiency ratio | 70.1053% | 3,516 |
| Assets per employee ($millions) | 3.3902% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 2,307 |
| Loan loss allowance to noncurrent loans | 55.9235% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 3.1065% | 634 |
| Noncurrent loans to loans | 2.7495% | 876 |
| Net loans and leases to total assets | 89.1633% | 84 |
| Net loans and leases to deposits | 104.0655% | 435 |
| Net loans and leases to core deposits | 107.5327% | 928 |
| Total domestic deposits to total assets | 85.6800% | 2,993 |
| Equity capital to assets | 10.2709% | 3,764 |
| Core capital (leverage) ratio | 9.8673% | 3,753 |
| Tier 1 risk-based capital ratio | 11.8904% | 5,432 |
| Total risk-based capital ratio | 13.1461% | 5,339 |
| Memoranda: | ||
| Average total assets | $151,471,400 | 3,608 |
| Average earning assets | $140,863,400 | 3,592 |
| Average equity | $14,823,000 | 3,872 |
| Average total loans | $131,837,000 | 2,831 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 1,193 |
| Cost of funding earning assets | 0.5501% | 2,289 |
| Net interest margin | 4.1991% | 1,293 |
| Noninterest income to average assets | 0.4244% | 4,063 |
| Noninterest expense to average assets | 3.1717% | 2,260 |
| Loan and lease loss provision to assets | 0.3946% | 432 |
| Net operating income to assets | 0.4770% | 4,960 |
| Return on assets (ROA) | 0.4770% | 5,041 |
| Pretax return on assets | 0.7603% | 4,503 |
| Return on Equity (ROE) | 4.9347% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.9347% | 3,124 |
| Net charge-offs to loans | 0.0285% | 3,916 |
| Credit loss provision to net charge-offs | 1,607.1429% | 224 |
| Earnings coverage of net charge-offs (x) | 47.0388% | 1,013 |
| Efficiency ratio | 72.9834% | 3,003 |
| Assets per employee ($millions) | 3.6326% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 2,530 |
| Loan loss allowance to noncurrent loans | 49.5480% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 3.7324% | 552 |
| Noncurrent loans to loans | 3.1143% | 832 |
| Net loans and leases to total assets | 86.8818% | 156 |
| Net loans and leases to deposits | 101.2195% | 543 |
| Net loans and leases to core deposits | 104.8164% | 1,043 |
| Total domestic deposits to total assets | 85.8350% | 2,938 |
| Equity capital to assets | 10.0545% | 4,101 |
| Core capital (leverage) ratio | 9.3447% | 4,577 |
| Tier 1 risk-based capital ratio | 12.0255% | 5,466 |
| Total risk-based capital ratio | 13.2811% | 5,378 |
| Memoranda: | ||
| Average total assets | $152,047,000 | 3,622 |
| Average earning assets | $141,298,000 | 3,607 |
| Average equity | $14,698,500 | 3,911 |
| Average total loans | $131,026,000 | 2,854 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 1,270 |
| Cost of funding earning assets | 0.5512% | 2,338 |
| Net interest margin | 4.1541% | 1,368 |
| Noninterest income to average assets | 0.3893% | 4,319 |
| Noninterest expense to average assets | 3.1238% | 2,416 |
| Loan and lease loss provision to assets | 0.3919% | 427 |
| Net operating income to assets | 0.4481% | 5,025 |
| Return on assets (ROA) | 0.4481% | 5,101 |
| Pretax return on assets | 0.7238% | 4,560 |
| Return on Equity (ROE) | 4.6966% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.6966% | 3,154 |
| Net charge-offs to loans | 0.0367% | 3,487 |
| Credit loss provision to net charge-offs | 1,250.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 35.5833% | 1,142 |
| Efficiency ratio | 73.3744% | 3,094 |
| Assets per employee ($millions) | 3.6689% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 3,202 |
| Loan loss allowance to noncurrent loans | 47.3340% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 3.2962% | 737 |
| Noncurrent loans to loans | 3.0189% | 956 |
| Net loans and leases to total assets | 78.6329% | 837 |
| Net loans and leases to deposits | 89.9506% | 1,378 |
| Net loans and leases to core deposits | 92.6368% | 1,891 |
| Total domestic deposits to total assets | 87.4179% | 2,235 |
| Equity capital to assets | 8.9497% | 5,356 |
| Core capital (leverage) ratio | 9.0643% | 4,918 |
| Tier 1 risk-based capital ratio | 11.7949% | 5,641 |
| Total risk-based capital ratio | 13.0487% | 5,578 |
| Memoranda: | ||
| Average total assets | $153,083,330 | 3,635 |
| Average earning assets | $141,883,000 | 3,621 |
| Average equity | $14,606,330 | 3,928 |
| Average total loans | $130,892,000 | 2,859 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9515% | 788 |
| Cost of funding earning assets | 0.5770% | 2,179 |
| Net interest margin | 4.3745% | 850 |
| Noninterest income to average assets | 0.3617% | 4,498 |
| Noninterest expense to average assets | 3.2392% | 2,103 |
| Loan and lease loss provision to assets | 0.4080% | 410 |
| Net operating income to assets | 0.4732% | 4,821 |
| Return on assets (ROA) | 0.4732% | 4,899 |
| Pretax return on assets | 0.7561% | 4,286 |
| Return on Equity (ROE) | 4.7929% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.7929% | 3,238 |
| Net charge-offs to loans | 0.0858% | 2,296 |
| Credit loss provision to net charge-offs | 535.7143% | 510 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,557 |
| Efficiency ratio | 73.2551% | 3,268 |
| Assets per employee ($millions) | 3.4445% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 4,022 |
| Loan loss allowance to noncurrent loans | 42.7759% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.7188% | 674 |
| Noncurrent loans to loans | 3.0812% | 1,022 |
| Net loans and leases to total assets | 87.4008% | 96 |
| Net loans and leases to deposits | 101.3363% | 387 |
| Net loans and leases to core deposits | 104.7533% | 812 |
| Total domestic deposits to total assets | 86.2483% | 3,232 |
| Equity capital to assets | 9.8634% | 4,008 |
| Core capital (leverage) ratio | 9.6441% | 4,072 |
| Tier 1 risk-based capital ratio | 11.5460% | 5,890 |
| Total risk-based capital ratio | 12.7978% | 5,840 |
| Memoranda: | ||
| Average total assets | $147,075,000 | 3,749 |
| Average earning assets | $135,877,000 | 3,734 |
| Average equity | $14,521,500 | 3,945 |
| Average total loans | $130,485,500 | 2,868 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 784 |
| Cost of funding earning assets | 0.6585% | 2,141 |
| Net interest margin | 4.4252% | 865 |
| Noninterest income to average assets | 0.4338% | 4,204 |
| Noninterest expense to average assets | 3.1686% | 2,520 |
| Loan and lease loss provision to assets | 0.4158% | 711 |
| Net operating income to assets | 0.5641% | 4,438 |
| Return on assets (ROA) | 0.5641% | 4,552 |
| Pretax return on assets | 0.8920% | 3,797 |
| Return on Equity (ROE) | 5.8109% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.8109% | 2,091 |
| Net charge-offs to loans | 1.4871% | 321 |
| Credit loss provision to net charge-offs | 32.4500% | 4,196 |
| Earnings coverage of net charge-offs (x) | 1.0206% | 4,734 |
| Efficiency ratio | 70.4598% | 3,762 |
| Assets per employee ($millions) | 3.5619% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 4,450 |
| Loan loss allowance to noncurrent loans | 37.8327% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 3.9107% | 688 |
| Noncurrent loans to loans | 3.2707% | 1,014 |
| Net loans and leases to total assets | 87.7750% | 96 |
| Net loans and leases to deposits | 101.6712% | 413 |
| Net loans and leases to core deposits | 105.1378% | 844 |
| Total domestic deposits to total assets | 86.3322% | 3,095 |
| Equity capital to assets | 9.8838% | 3,922 |
| Core capital (leverage) ratio | 9.6680% | 4,030 |
| Tier 1 risk-based capital ratio | 11.7924% | 5,749 |
| Total risk-based capital ratio | 13.0439% | 5,677 |
| Memoranda: | ||
| Average total assets | $144,289,800 | 3,802 |
| Average earning assets | $131,812,200 | 3,804 |
| Average equity | $14,008,200 | 4,072 |
| Average total loans | $124,333,600 | 2,954 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0913% | 780 |
| Cost of funding earning assets | 0.6747% | 2,142 |
| Net interest margin | 4.4166% | 862 |
| Noninterest income to average assets | 0.4356% | 4,260 |
| Noninterest expense to average assets | 3.2597% | 2,179 |
| Loan and lease loss provision to assets | 0.4171% | 709 |
| Net operating income to assets | 0.4885% | 4,846 |
| Return on assets (ROA) | 0.4885% | 5,002 |
| Pretax return on assets | 0.7813% | 4,364 |
| Return on Equity (ROE) | 5.0544% | 4,696 |
| Retained earnings to average equity (ytd only) | 5.0544% | 3,038 |
| Net charge-offs to loans | 1.9235% | 204 |
| Credit loss provision to net charge-offs | 25.3664% | 3,976 |
| Earnings coverage of net charge-offs (x) | 0.7289% | 4,604 |
| Efficiency ratio | 72.7859% | 3,267 |
| Assets per employee ($millions) | 3.2310% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,750 |
| Loan loss allowance to noncurrent loans | 37.6352% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 3.8927% | 819 |
| Noncurrent loans to loans | 3.2646% | 1,201 |
| Net loans and leases to total assets | 86.5760% | 127 |
| Net loans and leases to deposits | 100.7284% | 446 |
| Net loans and leases to core deposits | 104.4787% | 851 |
| Total domestic deposits to total assets | 85.9499% | 3,284 |
| Equity capital to assets | 9.9520% | 3,963 |
| Core capital (leverage) ratio | 9.4126% | 4,517 |
| Tier 1 risk-based capital ratio | 11.8805% | 5,853 |
| Total risk-based capital ratio | 13.1316% | 5,795 |
| Memoranda: | ||
| Average total assets | $143,853,000 | 3,847 |
| Average earning assets | $131,017,750 | 3,864 |
| Average equity | $13,901,750 | 4,134 |
| Average total loans | $122,969,500 | 3,000 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1504% | 695 |
| Cost of funding earning assets | 0.6710% | 2,307 |
| Net interest margin | 4.4794% | 733 |
| Noninterest income to average assets | 0.5152% | 3,735 |
| Noninterest expense to average assets | 3.2600% | 2,189 |
| Loan and lease loss provision to assets | 0.4155% | 732 |
| Net operating income to assets | 0.5720% | 4,440 |
| Return on assets (ROA) | 0.5720% | 4,612 |
| Pretax return on assets | 0.9168% | 3,846 |
| Return on Equity (ROE) | 5.9770% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.9770% | 2,457 |
| Net charge-offs to loans | 2.8982% | 106 |
| Credit loss provision to net charge-offs | 16.9109% | 3,795 |
| Earnings coverage of net charge-offs (x) | 0.5423% | 4,359 |
| Efficiency ratio | 70.6876% | 3,698 |
| Assets per employee ($millions) | 3.6102% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 5,354 |
| Loan loss allowance to noncurrent loans | 115.5649% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 1,935 |
| Noncurrent loans to loans | 0.9718% | 3,996 |
| Net loans and leases to total assets | 84.1947% | 224 |
| Net loans and leases to deposits | 97.5286% | 567 |
| Net loans and leases to core deposits | 101.0799% | 998 |
| Total domestic deposits to total assets | 86.3282% | 3,189 |
| Equity capital to assets | 9.7198% | 4,273 |
| Core capital (leverage) ratio | 9.4479% | 4,324 |
| Tier 1 risk-based capital ratio | 11.9445% | 5,825 |
| Total risk-based capital ratio | 13.1804% | 5,782 |
| Memoranda: | ||
| Average total assets | $144,416,330 | 3,863 |
| Average earning assets | $131,445,670 | 3,875 |
| Average equity | $13,819,670 | 4,187 |
| Average total loans | $122,422,670 | 3,015 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 865 |
| Cost of funding earning assets | 0.6686% | 2,490 |
| Net interest margin | 4.3446% | 889 |
| Noninterest income to average assets | 0.5539% | 3,409 |
| Noninterest expense to average assets | 3.3070% | 2,071 |
| Loan and lease loss provision to assets | 0.4155% | 730 |
| Net operating income to assets | 0.4792% | 4,777 |
| Return on assets (ROA) | 0.4792% | 4,941 |
| Pretax return on assets | 0.7727% | 4,284 |
| Return on Equity (ROE) | 5.0469% | 4,542 |
| Retained earnings to average equity (ytd only) | 5.0469% | 3,203 |
| Net charge-offs to loans | -0.1834% | 6,659 |
| Credit loss provision to net charge-offs | -267.8571% | 5,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2594% | 3,401 |
| Assets per employee ($millions) | 3.6891% | 4,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5156% | 1,096 |
| Loan loss allowance to noncurrent loans | 111.1878% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 3.3217% | 1,317 |
| Noncurrent loans to loans | 2.2625% | 2,316 |
| Net loans and leases to total assets | 82.4478% | 263 |
| Net loans and leases to deposits | 95.3652% | 573 |
| Net loans and leases to core deposits | 98.0258% | 1,075 |
| Total domestic deposits to total assets | 86.4548% | 3,270 |
| Equity capital to assets | 9.5903% | 4,721 |
| Core capital (leverage) ratio | 9.4647% | 4,143 |
| Tier 1 risk-based capital ratio | 12.0140% | 5,906 |
| Total risk-based capital ratio | 13.2831% | 5,853 |
| Memoranda: | ||
| Average total assets | $144,421,000 | 3,905 |
| Average earning assets | $131,013,500 | 3,920 |
| Average equity | $13,711,500 | 4,245 |
| Average total loans | $122,152,000 | 3,044 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 889 |
| Cost of funding earning assets | 0.8971% | 1,952 |
| Net interest margin | 4.4233% | 1,110 |
| Noninterest income to average assets | 0.6935% | 2,755 |
| Noninterest expense to average assets | 3.1621% | 2,729 |
| Loan and lease loss provision to assets | 0.3264% | 2,087 |
| Net operating income to assets | 0.7450% | 3,536 |
| Return on assets (ROA) | 0.7450% | 3,777 |
| Pretax return on assets | 1.1788% | 2,873 |
| Return on Equity (ROE) | 7.8392% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.8392% | 1,178 |
| Net charge-offs to loans | -0.3138% | 6,981 |
| Credit loss provision to net charge-offs | -126.4045% | 6,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4231% | 4,244 |
| Assets per employee ($millions) | 3.5358% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3283% | 1,331 |
| Loan loss allowance to noncurrent loans | 103.5170% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 3.3000% | 1,393 |
| Noncurrent loans to loans | 2.2492% | 2,406 |
| Net loans and leases to total assets | 82.6162% | 287 |
| Net loans and leases to deposits | 95.4106% | 657 |
| Net loans and leases to core deposits | 98.0411% | 1,144 |
| Total domestic deposits to total assets | 86.5901% | 3,043 |
| Equity capital to assets | 9.3986% | 5,000 |
| Core capital (leverage) ratio | 9.4293% | 4,211 |
| Tier 1 risk-based capital ratio | 11.6554% | 5,990 |
| Total risk-based capital ratio | 12.9216% | 5,940 |
| Memoranda: | ||
| Average total assets | $137,850,000 | 3,992 |
| Average earning assets | $123,843,800 | 4,022 |
| Average equity | $13,100,800 | 4,335 |
| Average total loans | $113,455,800 | 3,217 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 945 |
| Cost of funding earning assets | 0.9582% | 1,799 |
| Net interest margin | 4.3788% | 1,250 |
| Noninterest income to average assets | 0.7418% | 2,520 |
| Noninterest expense to average assets | 3.2130% | 2,523 |
| Loan and lease loss provision to assets | 0.2940% | 2,233 |
| Net operating income to assets | 0.7339% | 3,758 |
| Return on assets (ROA) | 0.7339% | 4,010 |
| Pretax return on assets | 1.1709% | 3,095 |
| Return on Equity (ROE) | 7.6998% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.6998% | 1,754 |
| Net charge-offs to loans | -0.4258% | 7,088 |
| Credit loss provision to net charge-offs | -84.5070% | 6,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3494% | 3,992 |
| Assets per employee ($millions) | 3.1917% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,538 |
| Loan loss allowance to noncurrent loans | 95.8525% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 3.6158% | 1,381 |
| Noncurrent loans to loans | 2.3906% | 2,412 |
| Net loans and leases to total assets | 86.0107% | 148 |
| Net loans and leases to deposits | 100.8378% | 404 |
| Net loans and leases to core deposits | 103.8440% | 876 |
| Total domestic deposits to total assets | 85.2960% | 3,620 |
| Equity capital to assets | 9.9558% | 4,559 |
| Core capital (leverage) ratio | 9.4517% | 4,348 |
| Tier 1 risk-based capital ratio | 11.7166% | 6,103 |
| Total risk-based capital ratio | 12.9817% | 6,077 |
| Memoranda: | ||
| Average total assets | $136,070,500 | 4,061 |
| Average earning assets | $122,312,500 | 4,097 |
| Average equity | $12,969,750 | 4,401 |
| Average total loans | $111,164,250 | 3,300 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2551% | 1,136 |
| Cost of funding earning assets | 1.0220% | 1,635 |
| Net interest margin | 4.2331% | 1,660 |
| Noninterest income to average assets | 0.6669% | 2,853 |
| Noninterest expense to average assets | 3.1738% | 2,673 |
| Loan and lease loss provision to assets | 0.2194% | 2,883 |
| Net operating income to assets | 0.6611% | 4,056 |
| Return on assets (ROA) | 0.6611% | 4,318 |
| Pretax return on assets | 1.0721% | 3,407 |
| Return on Equity (ROE) | 7.0381% | 3,755 |
| Retained earnings to average equity (ytd only) | 7.0381% | 2,081 |
| Net charge-offs to loans | -0.6447% | 7,154 |
| Credit loss provision to net charge-offs | -42.7350% | 5,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7501% | 3,641 |
| Assets per employee ($millions) | 3.2837% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 1,648 |
| Loan loss allowance to noncurrent loans | 78.1011% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 4.0563% | 1,253 |
| Noncurrent loans to loans | 2.8986% | 2,064 |
| Net loans and leases to total assets | 81.7724% | 348 |
| Net loans and leases to deposits | 95.2963% | 673 |
| Net loans and leases to core deposits | 97.8874% | 1,287 |
| Total domestic deposits to total assets | 85.8086% | 3,447 |
| Equity capital to assets | 9.6902% | 4,772 |
| Core capital (leverage) ratio | 9.2224% | 4,572 |
| Tier 1 risk-based capital ratio | 11.8084% | 6,051 |
| Total risk-based capital ratio | 13.0736% | 6,013 |
| Memoranda: | ||
| Average total assets | $136,743,330 | 4,058 |
| Average earning assets | $122,699,000 | 4,109 |
| Average equity | $12,844,330 | 4,424 |
| Average total loans | $108,884,670 | 3,362 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3595% | 985 |
| Cost of funding earning assets | 1.0511% | 1,667 |
| Net interest margin | 4.3084% | 1,443 |
| Noninterest income to average assets | 0.7460% | 2,419 |
| Noninterest expense to average assets | 3.1901% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8505% | 3,157 |
| Return on assets (ROA) | 0.8505% | 3,395 |
| Pretax return on assets | 1.4107% | 2,165 |
| Return on Equity (ROE) | 9.1968% | 2,735 |
| Retained earnings to average equity (ytd only) | 9.1968% | 1,516 |
| Net charge-offs to loans | -1.3121% | 7,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0221% | 3,979 |
| Assets per employee ($millions) | 3.4714% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 1,861 |
| Loan loss allowance to noncurrent loans | 78.6627% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 3.8756% | 1,437 |
| Noncurrent loans to loans | 2.8116% | 2,291 |
| Net loans and leases to total assets | 78.3787% | 551 |
| Net loans and leases to deposits | 93.3140% | 706 |
| Net loans and leases to core deposits | 96.5480% | 1,250 |
| Total domestic deposits to total assets | 83.9945% | 4,494 |
| Equity capital to assets | 9.5210% | 4,773 |
| Core capital (leverage) ratio | 9.0673% | 4,736 |
| Tier 1 risk-based capital ratio | 12.0185% | 5,951 |
| Total risk-based capital ratio | 13.2821% | 5,932 |
| Memoranda: | ||
| Average total assets | $137,799,500 | 4,077 |
| Average earning assets | $123,295,000 | 4,125 |
| Average equity | $12,743,500 | 4,452 |
| Average total loans | $107,006,500 | 3,431 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0410% | 2,704 |
| Cost of funding earning assets | 1.2585% | 1,689 |
| Net interest margin | 3.7826% | 3,917 |
| Noninterest income to average assets | 0.4576% | 4,163 |
| Noninterest expense to average assets | 2.9295% | 3,846 |
| Loan and lease loss provision to assets | 0.7806% | 1,274 |
| Net operating income to assets | 0.1186% | 5,826 |
| Return on assets (ROA) | 0.1186% | 5,944 |
| Pretax return on assets | 0.1979% | 5,795 |
| Return on Equity (ROE) | 1.3065% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.3065% | 5,244 |
| Net charge-offs to loans | 0.4657% | 3,124 |
| Credit loss provision to net charge-offs | 213.3201% | 1,150 |
| Earnings coverage of net charge-offs (x) | 2.6740% | 3,872 |
| Efficiency ratio | 74.5719% | 3,134 |
| Assets per employee ($millions) | 3.5952% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9422% | 2,441 |
| Loan loss allowance to noncurrent loans | 74.8356% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 3.9005% | 1,476 |
| Noncurrent loans to loans | 2.5953% | 2,521 |
| Net loans and leases to total assets | 73.7808% | 1,310 |
| Net loans and leases to deposits | 87.0851% | 1,508 |
| Net loans and leases to core deposits | 91.9450% | 1,892 |
| Total domestic deposits to total assets | 84.7226% | 3,993 |
| Equity capital to assets | 8.9841% | 5,569 |
| Core capital (leverage) ratio | 8.7490% | 5,172 |
| Tier 1 risk-based capital ratio | 11.8978% | 5,902 |
| Total risk-based capital ratio | 13.1571% | 5,878 |
| Memoranda: | ||
| Average total assets | $137,463,000 | 4,025 |
| Average earning assets | $125,391,000 | 4,026 |
| Average equity | $12,476,400 | 4,447 |
| Average total loans | $108,008,600 | 3,429 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0359% | 2,909 |
| Cost of funding earning assets | 1.2940% | 1,734 |
| Net interest margin | 3.7419% | 4,148 |
| Noninterest income to average assets | 0.4367% | 4,389 |
| Noninterest expense to average assets | 2.9527% | 3,734 |
| Loan and lease loss provision to assets | 1.0460% | 806 |
| Net operating income to assets | -0.0887% | 6,271 |
| Return on assets (ROA) | -0.0887% | 6,357 |
| Pretax return on assets | -0.1287% | 6,359 |
| Return on Equity (ROE) | -0.9748% | 6,376 |
| Retained earnings to average equity (ytd only) | -0.9748% | 6,150 |
| Net charge-offs to loans | 0.6161% | 2,401 |
| Credit loss provision to net charge-offs | 213.7450% | 1,355 |
| Earnings coverage of net charge-offs (x) | 1.8745% | 4,256 |
| Efficiency ratio | 75.8942% | 2,859 |
| Assets per employee ($millions) | 3.5924% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 2,470 |
| Loan loss allowance to noncurrent loans | 72.6950% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 4.0428% | 1,517 |
| Noncurrent loans to loans | 2.6834% | 2,602 |
| Net loans and leases to total assets | 75.4793% | 1,064 |
| Net loans and leases to deposits | 89.2801% | 1,290 |
| Net loans and leases to core deposits | 94.4030% | 1,754 |
| Total domestic deposits to total assets | 84.5421% | 3,988 |
| Equity capital to assets | 9.0424% | 5,701 |
| Core capital (leverage) ratio | 8.5974% | 5,556 |
| Tier 1 risk-based capital ratio | 11.9922% | 5,901 |
| Total risk-based capital ratio | 13.2535% | 5,880 |
| Memoranda: | ||
| Average total assets | $136,775,250 | 4,062 |
| Average earning assets | $125,494,750 | 4,052 |
| Average equity | $12,446,250 | 4,463 |
| Average total loans | $108,635,750 | 3,448 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 2,862 |
| Cost of funding earning assets | 1.3161% | 1,844 |
| Net interest margin | 3.7474% | 4,043 |
| Noninterest income to average assets | 0.4004% | 4,682 |
| Noninterest expense to average assets | 2.9650% | 3,775 |
| Loan and lease loss provision to assets | 0.6576% | 1,462 |
| Net operating income to assets | 0.1491% | 5,888 |
| Return on assets (ROA) | 0.1491% | 5,980 |
| Pretax return on assets | 0.2397% | 5,833 |
| Return on Equity (ROE) | 1.6346% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.6346% | 5,177 |
| Net charge-offs to loans | 0.8596% | 1,792 |
| Credit loss provision to net charge-offs | 95.3390% | 3,294 |
| Earnings coverage of net charge-offs (x) | 1.3008% | 4,311 |
| Efficiency ratio | 76.3905% | 2,951 |
| Assets per employee ($millions) | 3.6866% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,833 |
| Loan loss allowance to noncurrent loans | 64.6406% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.6956% | 2,482 |
| Noncurrent loans to loans | 2.0890% | 3,364 |
| Net loans and leases to total assets | 78.0323% | 778 |
| Net loans and leases to deposits | 92.4520% | 1,004 |
| Net loans and leases to core deposits | 97.3121% | 1,552 |
| Total domestic deposits to total assets | 84.4031% | 4,169 |
| Equity capital to assets | 9.1903% | 5,294 |
| Core capital (leverage) ratio | 8.7697% | 5,091 |
| Tier 1 risk-based capital ratio | 11.8254% | 5,918 |
| Total risk-based capital ratio | 13.0777% | 5,900 |
| Memoranda: | ||
| Average total assets | $136,862,670 | 4,089 |
| Average earning assets | $126,434,000 | 4,060 |
| Average equity | $12,480,330 | 4,438 |
| Average total loans | $109,818,000 | 3,460 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 3,145 |
| Cost of funding earning assets | 1.3532% | 1,868 |
| Net interest margin | 3.6380% | 4,379 |
| Noninterest income to average assets | 0.4377% | 4,385 |
| Noninterest expense to average assets | 2.9878% | 3,696 |
| Loan and lease loss provision to assets | 0.6565% | 1,307 |
| Net operating income to assets | 0.1080% | 6,076 |
| Return on assets (ROA) | 0.1080% | 6,130 |
| Pretax return on assets | 0.1663% | 6,013 |
| Return on Equity (ROE) | 1.1885% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.1885% | 5,347 |
| Net charge-offs to loans | -0.0036% | 6,212 |
| Credit loss provision to net charge-offs | -22,500.0000% | 6,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0245% | 2,839 |
| Assets per employee ($millions) | 3.7829% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 3,867 |
| Loan loss allowance to noncurrent loans | 58.9557% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.2168% | 3,046 |
| Noncurrent loans to loans | 2.6644% | 2,829 |
| Net loans and leases to total assets | 78.4508% | 684 |
| Net loans and leases to deposits | 92.8470% | 937 |
| Net loans and leases to core deposits | 98.1110% | 1,515 |
| Total domestic deposits to total assets | 84.4947% | 4,272 |
| Equity capital to assets | 9.1573% | 4,940 |
| Core capital (leverage) ratio | 8.6778% | 5,126 |
| Tier 1 risk-based capital ratio | 11.6189% | 6,008 |
| Total risk-based capital ratio | 12.8744% | 5,989 |
| Memoranda: | ||
| Average total assets | $137,091,500 | 4,118 |
| Average earning assets | $127,104,500 | 4,080 |
| Average equity | $12,452,500 | 4,458 |
| Average total loans | $110,778,500 | 3,467 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 3,363 |
| Cost of funding earning assets | 1.6202% | 1,952 |
| Net interest margin | 3.6295% | 4,674 |
| Noninterest income to average assets | 0.6708% | 3,012 |
| Noninterest expense to average assets | 3.2125% | 3,043 |
| Loan and lease loss provision to assets | 0.4633% | 3,351 |
| Net operating income to assets | 0.2305% | 5,180 |
| Return on assets (ROA) | 0.2305% | 5,331 |
| Pretax return on assets | 0.3625% | 5,052 |
| Return on Equity (ROE) | 2.5248% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.5248% | 4,106 |
| Net charge-offs to loans | 0.9332% | 2,317 |
| Credit loss provision to net charge-offs | 59.1296% | 6,096 |
| Earnings coverage of net charge-offs (x) | 1.0539% | 5,056 |
| Efficiency ratio | 79.1667% | 2,512 |
| Assets per employee ($millions) | 3.9428% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 4,962 |
| Loan loss allowance to noncurrent loans | 65.2692% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.6421% | 3,841 |
| Noncurrent loans to loans | 2.0051% | 3,556 |
| Net loans and leases to total assets | 80.8235% | 562 |
| Net loans and leases to deposits | 95.4318% | 917 |
| Net loans and leases to core deposits | 100.4910% | 1,575 |
| Total domestic deposits to total assets | 84.6924% | 4,002 |
| Equity capital to assets | 9.0103% | 5,128 |
| Core capital (leverage) ratio | 8.5881% | 5,214 |
| Tier 1 risk-based capital ratio | 11.1934% | 6,184 |
| Total risk-based capital ratio | 12.4447% | 6,160 |
| Memoranda: | ||
| Average total assets | $134,908,800 | 4,159 |
| Average earning assets | $125,170,000 | 4,128 |
| Average equity | $12,317,800 | 4,522 |
| Average total loans | $113,271,800 | 3,467 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2859% | 3,422 |
| Cost of funding earning assets | 1.6693% | 2,010 |
| Net interest margin | 3.6166% | 4,803 |
| Noninterest income to average assets | 0.6322% | 3,238 |
| Noninterest expense to average assets | 2.9790% | 3,825 |
| Loan and lease loss provision to assets | 0.4721% | 3,115 |
| Net operating income to assets | 0.3409% | 5,001 |
| Return on assets (ROA) | 0.3409% | 5,178 |
| Pretax return on assets | 0.5298% | 4,821 |
| Return on Equity (ROE) | 3.7215% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.7215% | 3,846 |
| Net charge-offs to loans | 1.2070% | 1,689 |
| Credit loss provision to net charge-offs | 46.2963% | 5,939 |
| Earnings coverage of net charge-offs (x) | 0.9825% | 5,075 |
| Efficiency ratio | 74.4320% | 3,236 |
| Assets per employee ($millions) | 4.0609% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 5,189 |
| Loan loss allowance to noncurrent loans | 68.4449% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.4827% | 4,229 |
| Noncurrent loans to loans | 1.8351% | 3,886 |
| Net loans and leases to total assets | 79.7837% | 787 |
| Net loans and leases to deposits | 95.0020% | 1,100 |
| Net loans and leases to core deposits | 99.7556% | 1,873 |
| Total domestic deposits to total assets | 83.9812% | 4,137 |
| Equity capital to assets | 9.3022% | 5,136 |
| Core capital (leverage) ratio | 9.0107% | 4,677 |
| Tier 1 risk-based capital ratio | 11.5824% | 5,848 |
| Total risk-based capital ratio | 12.8327% | 5,839 |
| Memoranda: | ||
| Average total assets | $134,136,750 | 4,228 |
| Average earning assets | $124,200,500 | 4,199 |
| Average equity | $12,288,750 | 4,599 |
| Average total loans | $113,336,500 | 3,519 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 3,395 |
| Cost of funding earning assets | 1.7082% | 2,080 |
| Net interest margin | 3.6065% | 4,783 |
| Noninterest income to average assets | 0.5262% | 3,910 |
| Noninterest expense to average assets | 2.9021% | 4,068 |
| Loan and lease loss provision to assets | 0.4472% | 3,087 |
| Net operating income to assets | 0.3354% | 5,048 |
| Return on assets (ROA) | 0.3354% | 5,203 |
| Pretax return on assets | 0.5127% | 4,871 |
| Return on Equity (ROE) | 3.6796% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.6796% | 3,757 |
| Net charge-offs to loans | 0.1652% | 4,621 |
| Credit loss provision to net charge-offs | 315.7895% | 1,157 |
| Earnings coverage of net charge-offs (x) | 6.7789% | 2,404 |
| Efficiency ratio | 74.7588% | 3,312 |
| Assets per employee ($millions) | 3.7274% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 2,662 |
| Loan loss allowance to noncurrent loans | 67.5822% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.4000% | 2,998 |
| Noncurrent loans to loans | 2.6957% | 2,955 |
| Net loans and leases to total assets | 87.4076% | 155 |
| Net loans and leases to deposits | 104.3628% | 469 |
| Net loans and leases to core deposits | 109.7601% | 1,179 |
| Total domestic deposits to total assets | 83.7536% | 4,225 |
| Equity capital to assets | 9.4650% | 4,759 |
| Core capital (leverage) ratio | 8.7798% | 4,952 |
| Tier 1 risk-based capital ratio | 10.5708% | 6,632 |
| Total risk-based capital ratio | 11.8288% | 6,622 |
| Memoranda: | ||
| Average total assets | $134,178,670 | 4,257 |
| Average earning assets | $124,108,670 | 4,227 |
| Average equity | $12,229,670 | 4,617 |
| Average total loans | $115,022,330 | 3,510 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 4,137 |
| Cost of funding earning assets | 1.7296% | 2,235 |
| Net interest margin | 3.4497% | 5,376 |
| Noninterest income to average assets | 0.4322% | 4,641 |
| Noninterest expense to average assets | 2.7639% | 4,632 |
| Loan and lease loss provision to assets | 0.4411% | 2,762 |
| Net operating income to assets | 0.2793% | 5,373 |
| Return on assets (ROA) | 0.2793% | 5,507 |
| Pretax return on assets | 0.4175% | 5,240 |
| Return on Equity (ROE) | 3.1223% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.1223% | 4,271 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8929% | 3,236 |
| Assets per employee ($millions) | 3.7332% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 2,776 |
| Loan loss allowance to noncurrent loans | 65.8046% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.3304% | 3,114 |
| Noncurrent loans to loans | 2.7144% | 2,949 |
| Net loans and leases to total assets | 84.3195% | 342 |
| Net loans and leases to deposits | 99.8511% | 762 |
| Net loans and leases to core deposits | 106.6189% | 1,528 |
| Total domestic deposits to total assets | 84.4452% | 3,920 |
| Equity capital to assets | 9.0910% | 5,149 |
| Core capital (leverage) ratio | 8.5994% | 5,199 |
| Tier 1 risk-based capital ratio | 10.3299% | 6,782 |
| Total risk-based capital ratio | 11.5873% | 6,777 |
| Memoranda: | ||
| Average total assets | $136,038,000 | 4,275 |
| Average earning assets | $125,806,500 | 4,245 |
| Average equity | $12,170,500 | 4,673 |
| Average total loans | $114,459,500 | 3,587 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 4,670 |
| Cost of funding earning assets | 2.1784% | 2,121 |
| Net interest margin | 3.2289% | 5,998 |
| Noninterest income to average assets | 0.5611% | 3,934 |
| Noninterest expense to average assets | 2.5260% | 6,040 |
| Loan and lease loss provision to assets | 1.6461% | 1,390 |
| Net operating income to assets | -0.4585% | 6,135 |
| Return on assets (ROA) | -0.4585% | 6,133 |
| Pretax return on assets | -0.7328% | 6,221 |
| Return on Equity (ROE) | -5.0995% | 6,221 |
| Retained earnings to average equity (ytd only) | -5.0995% | 6,035 |
| Net charge-offs to loans | 1.1479% | 2,131 |
| Credit loss provision to net charge-offs | 168.5693% | 2,547 |
| Earnings coverage of net charge-offs (x) | 0.9353% | 5,175 |
| Efficiency ratio | 72.5583% | 4,175 |
| Assets per employee ($millions) | 3.8244% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6832% | 2,949 |
| Loan loss allowance to noncurrent loans | 58.1381% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 2.3874% | 2,916 |
| Noncurrent loans to loans | 2.8951% | 2,666 |
| Net loans and leases to total assets | 81.0757% | 828 |
| Net loans and leases to deposits | 95.5056% | 1,394 |
| Net loans and leases to core deposits | 126.6753% | 1,463 |
| Total domestic deposits to total assets | 84.8911% | 3,603 |
| Equity capital to assets | 8.8052% | 5,429 |
| Core capital (leverage) ratio | 8.3484% | 5,539 |
| Tier 1 risk-based capital ratio | 10.2479% | 6,637 |
| Total risk-based capital ratio | 11.5035% | 6,604 |
| Memoranda: | ||
| Average total assets | $134,559,200 | 4,251 |
| Average earning assets | $119,949,800 | 4,318 |
| Average equity | $12,099,200 | 4,723 |
| Average total loans | $114,466,800 | 3,596 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 5,040 |
| Cost of funding earning assets | 2.2469% | 2,199 |
| Net interest margin | 3.1331% | 6,220 |
| Noninterest income to average assets | 0.5950% | 3,751 |
| Noninterest expense to average assets | 2.6511% | 5,520 |
| Loan and lease loss provision to assets | 1.6893% | 1,099 |
| Net operating income to assets | -0.5791% | 6,508 |
| Return on assets (ROA) | -0.5791% | 6,505 |
| Pretax return on assets | -0.9757% | 6,662 |
| Return on Equity (ROE) | -6.4056% | 6,598 |
| Retained earnings to average equity (ytd only) | -6.4056% | 6,435 |
| Net charge-offs to loans | 1.5286% | 1,335 |
| Credit loss provision to net charge-offs | 128.8973% | 3,887 |
| Earnings coverage of net charge-offs (x) | 0.5445% | 5,486 |
| Efficiency ratio | 77.8732% | 3,187 |
| Assets per employee ($millions) | 3.8439% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 4,871 |
| Loan loss allowance to noncurrent loans | 42.4298% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.3674% | 2,908 |
| Noncurrent loans to loans | 2.9342% | 2,596 |
| Net loans and leases to total assets | 79.6770% | 1,235 |
| Net loans and leases to deposits | 94.0551% | 1,875 |
| Net loans and leases to core deposits | 129.1731% | 1,489 |
| Total domestic deposits to total assets | 84.7131% | 3,365 |
| Equity capital to assets | 8.7874% | 5,820 |
| Core capital (leverage) ratio | 8.4630% | 5,558 |
| Tier 1 risk-based capital ratio | 10.3662% | 6,608 |
| Total risk-based capital ratio | 11.6251% | 6,536 |
| Memoranda: | ||
| Average total assets | $133,779,000 | 4,286 |
| Average earning assets | $118,261,500 | 4,377 |
| Average equity | $12,093,250 | 4,767 |
| Average total loans | $114,699,500 | 3,619 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0070% | 2,154 |
| Cost of funding earning assets | 2.3332% | 2,225 |
| Net interest margin | 3.6739% | 4,071 |
| Noninterest income to average assets | 0.2042% | 6,831 |
| Noninterest expense to average assets | 2.7676% | 5,101 |
| Loan and lease loss provision to assets | 2.3366% | 681 |
| Net operating income to assets | -1.0223% | 7,003 |
| Return on assets (ROA) | -1.0223% | 6,999 |
| Pretax return on assets | -1.7089% | 7,173 |
| Return on Equity (ROE) | -11.2004% | 7,120 |
| Retained earnings to average equity (ytd only) | -11.2004% | 6,983 |
| Net charge-offs to loans | 2.2745% | 785 |
| Credit loss provision to net charge-offs | 117.4012% | 3,962 |
| Earnings coverage of net charge-offs (x) | 0.3153% | 5,361 |
| Efficiency ratio | 80.6236% | 2,950 |
| Assets per employee ($millions) | 3.7749% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 5,797 |
| Loan loss allowance to noncurrent loans | 37.7514% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 2.4841% | 2,597 |
| Noncurrent loans to loans | 2.8294% | 2,548 |
| Net loans and leases to total assets | 86.8568% | 309 |
| Net loans and leases to deposits | 103.4490% | 950 |
| Net loans and leases to core deposits | 145.1114% | 793 |
| Total domestic deposits to total assets | 83.9610% | 3,794 |
| Equity capital to assets | 9.1302% | 5,123 |
| Core capital (leverage) ratio | 8.7451% | 5,010 |
| Tier 1 risk-based capital ratio | 9.7267% | 7,205 |
| Total risk-based capital ratio | 10.7951% | 7,315 |
| Memoranda: | ||
| Average total assets | $132,245,330 | 4,342 |
| Average earning assets | $114,865,330 | 4,490 |
| Average equity | $12,071,000 | 4,796 |
| Average total loans | $115,717,000 | 3,632 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0634% | 2,099 |
| Cost of funding earning assets | 2.3843% | 2,356 |
| Net interest margin | 3.6791% | 3,986 |
| Noninterest income to average assets | 0.2267% | 6,648 |
| Noninterest expense to average assets | 2.7451% | 4,806 |
| Loan and lease loss provision to assets | 2.9175% | 376 |
| Net operating income to assets | -1.3756% | 7,451 |
| Return on assets (ROA) | -1.3756% | 7,465 |
| Pretax return on assets | -2.2402% | 7,604 |
| Return on Equity (ROE) | -15.0725% | 7,606 |
| Retained earnings to average equity (ytd only) | -15.0725% | 7,442 |
| Net charge-offs to loans | 3.0075% | 421 |
| Credit loss provision to net charge-offs | 111.0472% | 3,477 |
| Earnings coverage of net charge-offs (x) | 0.2578% | 4,767 |
| Efficiency ratio | 79.3286% | 2,939 |
| Assets per employee ($millions) | 3.4513% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 6,378 |
| Loan loss allowance to noncurrent loans | 31.4383% | 6,445 |
| Noncurrent assets plus other real estate owned to assets | 2.6824% | 2,125 |
| Noncurrent loans to loans | 3.0804% | 2,107 |
| Net loans and leases to total assets | 86.2379% | 412 |
| Net loans and leases to deposits | 103.0702% | 1,084 |
| Net loans and leases to core deposits | 151.0289% | 673 |
| Total domestic deposits to total assets | 83.6691% | 3,854 |
| Equity capital to assets | 9.3671% | 4,848 |
| Core capital (leverage) ratio | 8.8006% | 4,987 |
| Tier 1 risk-based capital ratio | 10.0753% | 6,833 |
| Total risk-based capital ratio | 11.0450% | 7,049 |
| Memoranda: | ||
| Average total assets | $132,307,000 | 4,368 |
| Average earning assets | $114,919,500 | 4,502 |
| Average equity | $12,075,000 | 4,813 |
| Average total loans | $115,577,500 | 3,662 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1406% | 831 |
| Cost of funding earning assets | 2.8380% | 2,541 |
| Net interest margin | 4.3026% | 1,960 |
| Noninterest income to average assets | 0.2091% | 6,947 |
| Noninterest expense to average assets | 3.0764% | 3,798 |
| Loan and lease loss provision to assets | 0.2296% | 4,593 |
| Net operating income to assets | 0.5134% | 4,669 |
| Return on assets (ROA) | 0.5134% | 4,520 |
| Pretax return on assets | 0.8037% | 4,056 |
| Return on Equity (ROE) | 5.5826% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.5826% | 1,720 |
| Net charge-offs to loans | 0.0047% | 6,920 |
| Credit loss provision to net charge-offs | 5,600.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 195 |
| Efficiency ratio | 74.0571% | 3,561 |
| Assets per employee ($millions) | 3.7073% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 6,835 |
| Loan loss allowance to noncurrent loans | 77.6923% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 4,397 |
| Noncurrent loans to loans | 1.1116% | 4,326 |
| Net loans and leases to total assets | 86.8684% | 484 |
| Net loans and leases to deposits | 102.9434% | 1,480 |
| Net loans and leases to core deposits | 142.7966% | 1,140 |
| Total domestic deposits to total assets | 84.3846% | 3,138 |
| Equity capital to assets | 8.8900% | 5,513 |
| Core capital (leverage) ratio | 8.4915% | 5,591 |
| Tier 1 risk-based capital ratio | 9.4846% | 7,323 |
| Total risk-based capital ratio | 10.3506% | 7,680 |
| Memoranda: | ||
| Average total assets | $121,928,800 | 4,468 |
| Average earning assets | $110,537,000 | 4,499 |
| Average equity | $11,213,400 | 5,064 |
| Average total loans | $107,059,800 | 3,765 |