Home > West Town Bank & Trust > Performance and Condition Ratios
West Town Bank & Trust, 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 | 7.4996% | 162 |
| Cost of funding earning assets | 2.4986% | 363 |
| Net interest margin | 5.0010% | 312 |
| Noninterest income to average assets | 2.4800% | 219 |
| Noninterest expense to average assets | 3.7525% | 440 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 2.4287% | 259 |
| Return on assets (ROA) | 2.4179% | 258 |
| Pretax return on assets | 3.1158% | 184 |
| Return on Equity (ROE) | 21.1900% | 526 |
| Retained earnings to average equity (ytd only) | 21.1892% | 118 |
| Net charge-offs to loans | 0.0302% | 1,701 |
| Credit loss provision to net charge-offs | 1,121.6216% | 376 |
| Earnings coverage of net charge-offs (x) | 136.2432% | 759 |
| Efficiency ratio | 52.4120% | 3,796 |
| Assets per employee ($millions) | 10.6656% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 613 |
| Loan loss allowance to noncurrent loans | 42.5469% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 3.2722% | 58 |
| Noncurrent loans to loans | 4.0739% | 81 |
| Net loans and leases to total assets | 78.4400% | 819 |
| Net loans and leases to deposits | 89.3066% | 1,320 |
| Net loans and leases to core deposits | 156.7507% | 172 |
| Total domestic deposits to total assets | 87.8300% | 1,408 |
| Equity capital to assets | 11.2738% | 1,379 |
| Core capital (leverage) ratio | 12.0095% | 1,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3730% | 1,427 |
| Memoranda: | ||
| Average total assets | $443,863,800 | 1,880 |
| Average earning assets | $415,753,200 | 1,852 |
| Average equity | $50,648,400 | 1,592 |
| Average total loans | $367,475,200 | 1,553 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4795% | 141 |
| Cost of funding earning assets | 2.3410% | 371 |
| Net interest margin | 5.1385% | 268 |
| Noninterest income to average assets | 2.9100% | 200 |
| Noninterest expense to average assets | 4.1190% | 336 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 2.5278% | 264 |
| Return on assets (ROA) | 2.5129% | 259 |
| Pretax return on assets | 3.3430% | 178 |
| Return on Equity (ROE) | 21.9500% | 561 |
| Retained earnings to average equity (ytd only) | 21.9451% | 195 |
| Net charge-offs to loans | 0.1559% | 543 |
| Credit loss provision to net charge-offs | 177.3810% | 1,198 |
| Earnings coverage of net charge-offs (x) | 27.5286% | 1,639 |
| Efficiency ratio | 53.4372% | 3,633 |
| Assets per employee ($millions) | 9.8766% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 899 |
| Loan loss allowance to noncurrent loans | 43.1337% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 3.1493% | 63 |
| Noncurrent loans to loans | 3.6930% | 92 |
| Net loans and leases to total assets | 83.3300% | 340 |
| Net loans and leases to deposits | 95.4763% | 783 |
| Net loans and leases to core deposits | 168.5722% | 75 |
| Total domestic deposits to total assets | 87.2700% | 1,812 |
| Equity capital to assets | 11.6707% | 1,132 |
| Core capital (leverage) ratio | 11.9788% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5391% | 1,698 |
| Memoranda: | ||
| Average total assets | $429,508,500 | 1,921 |
| Average earning assets | $400,678,750 | 1,906 |
| Average equity | $49,182,000 | 1,616 |
| Average total loans | $359,305,750 | 1,577 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4085% | 136 |
| Cost of funding earning assets | 2.1818% | 350 |
| Net interest margin | 5.2267% | 235 |
| Noninterest income to average assets | 3.4200% | 165 |
| Noninterest expense to average assets | 4.3539% | 292 |
| Loan and lease loss provision to assets | 0.3500% | 253 |
| Net operating income to assets | 2.7006% | 197 |
| Return on assets (ROA) | 2.6778% | 199 |
| Pretax return on assets | 3.5638% | 139 |
| Return on Equity (ROE) | 23.5500% | 456 |
| Retained earnings to average equity (ytd only) | 23.5482% | 153 |
| Net charge-offs to loans | 0.2634% | 317 |
| Credit loss provision to net charge-offs | 161.2554% | 1,155 |
| Earnings coverage of net charge-offs (x) | 17.9632% | 1,777 |
| Efficiency ratio | 52.4930% | 3,740 |
| Assets per employee ($millions) | 9.5327% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 760 |
| Loan loss allowance to noncurrent loans | 100.3959% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 269 |
| Noncurrent loans to loans | 1.6890% | 366 |
| Net loans and leases to total assets | 80.4600% | 587 |
| Net loans and leases to deposits | 92.1793% | 1,012 |
| Net loans and leases to core deposits | 161.7887% | 96 |
| Total domestic deposits to total assets | 87.2900% | 1,835 |
| Equity capital to assets | 11.6842% | 1,141 |
| Core capital (leverage) ratio | 11.9001% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6030% | 1,697 |
| Memoranda: | ||
| Average total assets | $421,236,333 | 1,948 |
| Average earning assets | $392,523,667 | 1,938 |
| Average equity | $47,901,667 | 1,653 |
| Average total loans | $350,841,333 | 1,598 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2670% | 96 |
| Cost of funding earning assets | 1.8596% | 399 |
| Net interest margin | 5.4074% | 167 |
| Noninterest income to average assets | 2.0100% | 228 |
| Noninterest expense to average assets | 4.1309% | 330 |
| Loan and lease loss provision to assets | 0.5700% | 126 |
| Net operating income to assets | 1.7693% | 712 |
| Return on assets (ROA) | 1.7130% | 796 |
| Pretax return on assets | 2.2782% | 508 |
| Return on Equity (ROE) | 15.2900% | 1,497 |
| Retained earnings to average equity (ytd only) | 15.2873% | 762 |
| Net charge-offs to loans | 0.4348% | 187 |
| Credit loss provision to net charge-offs | 155.1724% | 935 |
| Earnings coverage of net charge-offs (x) | 7.9390% | 1,737 |
| Efficiency ratio | 58.7400% | 3,102 |
| Assets per employee ($millions) | 6.8004% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6765% | 867 |
| Loan loss allowance to noncurrent loans | 134.0245% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.0637% | 375 |
| Noncurrent loans to loans | 1.2509% | 550 |
| Net loans and leases to total assets | 83.6200% | 263 |
| Net loans and leases to deposits | 98.0239% | 537 |
| Net loans and leases to core deposits | 166.8806% | 74 |
| Total domestic deposits to total assets | 85.3000% | 2,779 |
| Equity capital to assets | 11.2593% | 1,244 |
| Core capital (leverage) ratio | 11.5012% | 1,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2062% | 1,907 |
| Memoranda: | ||
| Average total assets | $412,602,000 | 1,996 |
| Average earning assets | $382,883,500 | 1,991 |
| Average equity | $46,234,500 | 1,705 |
| Average total loans | $346,809,500 | 1,626 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 114 |
| Cost of funding earning assets | 0.6614% | 687 |
| Net interest margin | 5.1066% | 123 |
| Noninterest income to average assets | 3.3200% | 166 |
| Noninterest expense to average assets | 8.5125% | 124 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | -0.2493% | 4,612 |
| Return on assets (ROA) | -0.2652% | 4,602 |
| Pretax return on assets | -0.6733% | 4,639 |
| Return on Equity (ROE) | -2.2900% | 4,591 |
| Retained earnings to average equity (ytd only) | -2.2862% | 4,497 |
| Net charge-offs to loans | -0.1110% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 105.6184% | 114 |
| Assets per employee ($millions) | 5.5285% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0023% | 428 |
| Loan loss allowance to noncurrent loans | 147.3210% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 350 |
| Noncurrent loans to loans | 1.3591% | 505 |
| Net loans and leases to total assets | 81.3600% | 468 |
| Net loans and leases to deposits | 103.6229% | 316 |
| Net loans and leases to core deposits | 148.4240% | 101 |
| Total domestic deposits to total assets | 78.5200% | 4,042 |
| Equity capital to assets | 11.1495% | 1,200 |
| Core capital (leverage) ratio | 11.5759% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7317% | 2,080 |
| Memoranda: | ||
| Average total assets | $395,956,800 | 2,041 |
| Average earning assets | $367,879,400 | 2,038 |
| Average equity | $45,927,200 | 1,731 |
| Average total loans | $317,122,600 | 1,649 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4798% | 117 |
| Cost of funding earning assets | 0.5839% | 473 |
| Net interest margin | 4.8959% | 135 |
| Noninterest income to average assets | 3.2800% | 173 |
| Noninterest expense to average assets | 9.5728% | 108 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | -1.5388% | 4,719 |
| Return on assets (ROA) | -1.4986% | 4,713 |
| Pretax return on assets | -2.0220% | 4,722 |
| Return on Equity (ROE) | -12.7900% | 4,714 |
| Retained earnings to average equity (ytd only) | -12.7929% | 4,699 |
| Net charge-offs to loans | -0.0866% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 122.1747% | 64 |
| Assets per employee ($millions) | 3.9042% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0722% | 437 |
| Loan loss allowance to noncurrent loans | 145.4585% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.1816% | 355 |
| Noncurrent loans to loans | 1.4246% | 499 |
| Net loans and leases to total assets | 81.2200% | 426 |
| Net loans and leases to deposits | 97.0678% | 494 |
| Net loans and leases to core deposits | 133.4274% | 129 |
| Total domestic deposits to total assets | 83.6800% | 3,567 |
| Equity capital to assets | 10.5150% | 1,360 |
| Core capital (leverage) ratio | 10.9055% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3765% | 2,328 |
| Memoranda: | ||
| Average total assets | $394,051,250 | 2,067 |
| Average earning assets | $366,474,750 | 2,058 |
| Average equity | $46,159,750 | 1,747 |
| Average total loans | $312,636,750 | 1,661 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 123 |
| Cost of funding earning assets | 0.5755% | 333 |
| Net interest margin | 4.6699% | 155 |
| Noninterest income to average assets | 3.2733% | 139 |
| Noninterest expense to average assets | 6.0491% | 125 |
| Loan and lease loss provision to assets | 0.3238% | 200 |
| Net operating income to assets | 0.9123% | 2,531 |
| Return on assets (ROA) | 0.9528% | 2,325 |
| Pretax return on assets | 1.2928% | 1,777 |
| Return on Equity (ROE) | 7.8684% | 3,054 |
| Retained earnings to average equity (ytd only) | 7.8684% | 1,669 |
| Net charge-offs to loans | -0.1127% | 4,478 |
| Credit loss provision to net charge-offs | -367.8161% | 3,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3298% | 994 |
| Assets per employee ($millions) | 3.7787% | 4,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 605 |
| Loan loss allowance to noncurrent loans | 136.6488% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.1960% | 353 |
| Noncurrent loans to loans | 1.4286% | 527 |
| Net loans and leases to total assets | 82.0866% | 283 |
| Net loans and leases to deposits | 94.8855% | 481 |
| Net loans and leases to core deposits | 132.8165% | 109 |
| Total domestic deposits to total assets | 86.5112% | 3,107 |
| Equity capital to assets | 12.3956% | 782 |
| Core capital (leverage) ratio | 12.1941% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7819% | 1,231 |
| Memoranda: | ||
| Average total assets | $395,263,333 | 2,072 |
| Average earning assets | $368,357,667 | 2,072 |
| Average equity | $47,862,333 | 1,738 |
| Average total loans | $308,910,667 | 1,675 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2830% | 115 |
| Cost of funding earning assets | 0.5620% | 345 |
| Net interest margin | 4.7210% | 133 |
| Noninterest income to average assets | 2.0739% | 228 |
| Noninterest expense to average assets | 6.2327% | 112 |
| Loan and lease loss provision to assets | 0.1808% | 424 |
| Net operating income to assets | 0.0402% | 4,518 |
| Return on assets (ROA) | 0.0422% | 4,496 |
| Pretax return on assets | 0.0663% | 4,476 |
| Return on Equity (ROE) | 0.3524% | 4,497 |
| Retained earnings to average equity (ytd only) | 0.3524% | 3,948 |
| Net charge-offs to loans | 0.1398% | 406 |
| Credit loss provision to net charge-offs | 171.4286% | 824 |
| Earnings coverage of net charge-offs (x) | 2.3238% | 1,710 |
| Efficiency ratio | 96.2171% | 324 |
| Assets per employee ($millions) | 4.0125% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 891 |
| Loan loss allowance to noncurrent loans | 85.7274% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.7025% | 196 |
| Noncurrent loans to loans | 2.0927% | 336 |
| Net loans and leases to total assets | 79.8948% | 245 |
| Net loans and leases to deposits | 93.3088% | 389 |
| Net loans and leases to core deposits | 117.4522% | 164 |
| Total domestic deposits to total assets | 85.6241% | 3,371 |
| Equity capital to assets | 12.2256% | 878 |
| Core capital (leverage) ratio | 11.7014% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0273% | 1,247 |
| Memoranda: | ||
| Average total assets | $398,289,500 | 2,060 |
| Average earning assets | $371,532,500 | 2,065 |
| Average equity | $47,671,000 | 1,800 |
| Average total loans | $300,440,500 | 1,698 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2287% | 949 |
| Cost of funding earning assets | 0.7111% | 308 |
| Net interest margin | 3.5176% | 1,679 |
| Noninterest income to average assets | 3.9448% | 136 |
| Noninterest expense to average assets | 5.7212% | 135 |
| Loan and lease loss provision to assets | 0.5042% | 113 |
| Net operating income to assets | 1.4669% | 1,087 |
| Return on assets (ROA) | 1.6303% | 778 |
| Pretax return on assets | 1.1779% | 2,738 |
| Return on Equity (ROE) | 15.6025% | 821 |
| Retained earnings to average equity (ytd only) | 15.6025% | 192 |
| Net charge-offs to loans | 0.5382% | 151 |
| Credit loss provision to net charge-offs | 126.1010% | 1,611 |
| Earnings coverage of net charge-offs (x) | 3.7979% | 2,525 |
| Efficiency ratio | 79.0234% | 869 |
| Assets per employee ($millions) | 4.3764% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 691 |
| Loan loss allowance to noncurrent loans | 78.6585% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 221 |
| Noncurrent loans to loans | 2.4528% | 275 |
| Net loans and leases to total assets | 68.5395% | 1,207 |
| Net loans and leases to deposits | 79.9201% | 1,222 |
| Net loans and leases to core deposits | 99.2380% | 571 |
| Total domestic deposits to total assets | 85.7601% | 2,989 |
| Equity capital to assets | 11.7286% | 1,376 |
| Core capital (leverage) ratio | 11.4620% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1697% | 1,226 |
| Memoranda: | ||
| Average total assets | $386,125,800 | 2,034 |
| Average earning assets | $361,694,600 | 2,035 |
| Average equity | $40,346,200 | 2,073 |
| Average total loans | $286,874,200 | 1,757 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 955 |
| Cost of funding earning assets | 0.7531% | 306 |
| Net interest margin | 3.5444% | 1,749 |
| Noninterest income to average assets | 4.7601% | 120 |
| Noninterest expense to average assets | 5.6981% | 136 |
| Loan and lease loss provision to assets | 0.4115% | 152 |
| Net operating income to assets | 1.3880% | 1,579 |
| Return on assets (ROA) | 1.5439% | 1,206 |
| Pretax return on assets | 2.1291% | 645 |
| Return on Equity (ROE) | 15.2822% | 1,096 |
| Retained earnings to average equity (ytd only) | 15.2822% | 363 |
| Net charge-offs to loans | 0.2353% | 347 |
| Credit loss provision to net charge-offs | 231.6206% | 1,141 |
| Earnings coverage of net charge-offs (x) | 13.4249% | 1,924 |
| Efficiency ratio | 70.4973% | 1,552 |
| Assets per employee ($millions) | 4.5788% | 4,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0764% | 563 |
| Loan loss allowance to noncurrent loans | 76.6997% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.8800% | 215 |
| Noncurrent loans to loans | 2.7071% | 262 |
| Net loans and leases to total assets | 68.0030% | 1,323 |
| Net loans and leases to deposits | 78.0370% | 1,477 |
| Net loans and leases to core deposits | 99.5513% | 606 |
| Total domestic deposits to total assets | 87.1420% | 2,297 |
| Equity capital to assets | 10.0546% | 2,852 |
| Core capital (leverage) ratio | 9.4806% | 3,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6991% | 2,090 |
| Memoranda: | ||
| Average total assets | $379,812,250 | 2,081 |
| Average earning assets | $356,047,000 | 2,075 |
| Average equity | $38,370,500 | 2,168 |
| Average total loans | $286,716,500 | 1,786 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 947 |
| Cost of funding earning assets | 0.7839% | 307 |
| Net interest margin | 3.5489% | 1,718 |
| Noninterest income to average assets | 5.4452% | 103 |
| Noninterest expense to average assets | 5.7516% | 135 |
| Loan and lease loss provision to assets | 0.3607% | 207 |
| Net operating income to assets | 1.8909% | 601 |
| Return on assets (ROA) | 2.0462% | 477 |
| Pretax return on assets | 2.8121% | 231 |
| Return on Equity (ROE) | 20.2197% | 441 |
| Retained earnings to average equity (ytd only) | 20.2197% | 152 |
| Net charge-offs to loans | 0.1246% | 628 |
| Credit loss provision to net charge-offs | 372.7778% | 796 |
| Earnings coverage of net charge-offs (x) | 31.1889% | 1,290 |
| Efficiency ratio | 65.5899% | 2,211 |
| Assets per employee ($millions) | 5.2097% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0195% | 590 |
| Loan loss allowance to noncurrent loans | 90.7261% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.5687% | 345 |
| Noncurrent loans to loans | 2.2260% | 401 |
| Net loans and leases to total assets | 69.0487% | 1,317 |
| Net loans and leases to deposits | 79.5732% | 1,467 |
| Net loans and leases to core deposits | 104.9369% | 502 |
| Total domestic deposits to total assets | 86.7738% | 2,436 |
| Equity capital to assets | 10.0931% | 2,771 |
| Core capital (leverage) ratio | 10.0649% | 2,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7991% | 2,052 |
| Memoranda: | ||
| Average total assets | $372,105,667 | 2,108 |
| Average earning assets | $348,502,000 | 2,099 |
| Average equity | $37,656,333 | 2,191 |
| Average total loans | $289,016,667 | 1,788 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 1,078 |
| Cost of funding earning assets | 0.8363% | 300 |
| Net interest margin | 3.4424% | 1,986 |
| Noninterest income to average assets | 3.6925% | 160 |
| Noninterest expense to average assets | 5.6281% | 137 |
| Loan and lease loss provision to assets | 0.6907% | 78 |
| Net operating income to assets | 0.3754% | 4,403 |
| Return on assets (ROA) | 0.5242% | 4,167 |
| Pretax return on assets | 0.7407% | 3,932 |
| Return on Equity (ROE) | 5.1721% | 4,062 |
| Retained earnings to average equity (ytd only) | 5.1721% | 3,176 |
| Net charge-offs to loans | 0.2122% | 389 |
| Credit loss provision to net charge-offs | 398.7179% | 659 |
| Earnings coverage of net charge-offs (x) | 7.4038% | 1,616 |
| Efficiency ratio | 81.4398% | 732 |
| Assets per employee ($millions) | 4.5311% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 742 |
| Loan loss allowance to noncurrent loans | 76.6184% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 2.0199% | 248 |
| Noncurrent loans to loans | 2.4742% | 375 |
| Net loans and leases to total assets | 80.0927% | 330 |
| Net loans and leases to deposits | 91.2458% | 634 |
| Net loans and leases to core deposits | 124.3729% | 205 |
| Total domestic deposits to total assets | 87.7769% | 1,965 |
| Equity capital to assets | 10.1207% | 2,589 |
| Core capital (leverage) ratio | 9.7187% | 2,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2627% | 2,574 |
| Memoranda: | ||
| Average total assets | $360,191,000 | 2,140 |
| Average earning assets | $336,738,500 | 2,143 |
| Average equity | $36,503,500 | 2,235 |
| Average total loans | $294,013,500 | 1,773 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0949% | 417 |
| Cost of funding earning assets | 1.1711% | 309 |
| Net interest margin | 3.9238% | 1,152 |
| Noninterest income to average assets | 3.6194% | 152 |
| Noninterest expense to average assets | 5.8279% | 138 |
| Loan and lease loss provision to assets | 1.4308% | 47 |
| Net operating income to assets | -0.0940% | 4,781 |
| Return on assets (ROA) | -0.0423% | 4,789 |
| Pretax return on assets | 0.0231% | 4,749 |
| Return on Equity (ROE) | -0.3710% | 4,788 |
| Retained earnings to average equity (ytd only) | -0.3710% | 4,573 |
| Net charge-offs to loans | 1.2131% | 98 |
| Credit loss provision to net charge-offs | 141.4077% | 2,476 |
| Earnings coverage of net charge-offs (x) | 1.3859% | 3,260 |
| Efficiency ratio | 80.6052% | 845 |
| Assets per employee ($millions) | 4.8364% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 930 |
| Loan loss allowance to noncurrent loans | 60.4750% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.3767% | 198 |
| Noncurrent loans to loans | 2.9121% | 300 |
| Net loans and leases to total assets | 80.1764% | 409 |
| Net loans and leases to deposits | 93.5714% | 682 |
| Net loans and leases to core deposits | 129.2268% | 207 |
| Total domestic deposits to total assets | 85.6847% | 2,496 |
| Equity capital to assets | 10.1485% | 2,983 |
| Core capital (leverage) ratio | 10.0573% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2999% | 2,519 |
| Memoranda: | ||
| Average total assets | $311,706,200 | 2,233 |
| Average earning assets | $286,836,400 | 2,249 |
| Average equity | $35,579,200 | 2,205 |
| Average total loans | $259,995,200 | 1,869 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 310 |
| Cost of funding earning assets | 1.2600% | 293 |
| Net interest margin | 4.0979% | 899 |
| Noninterest income to average assets | 3.3368% | 160 |
| Noninterest expense to average assets | 5.7297% | 139 |
| Loan and lease loss provision to assets | 1.8880% | 39 |
| Net operating income to assets | -0.4069% | 4,883 |
| Return on assets (ROA) | -0.3776% | 4,886 |
| Pretax return on assets | -0.4966% | 4,898 |
| Return on Equity (ROE) | -3.2020% | 4,889 |
| Retained earnings to average equity (ytd only) | -3.2020% | 4,783 |
| Net charge-offs to loans | 1.6187% | 66 |
| Credit loss provision to net charge-offs | 138.9343% | 2,392 |
| Earnings coverage of net charge-offs (x) | 1.0023% | 3,100 |
| Efficiency ratio | 80.7955% | 815 |
| Assets per employee ($millions) | 5.2160% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 739 |
| Loan loss allowance to noncurrent loans | 57.2127% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 2.6975% | 183 |
| Noncurrent loans to loans | 3.1310% | 287 |
| Net loans and leases to total assets | 82.5911% | 392 |
| Net loans and leases to deposits | 95.0606% | 838 |
| Net loans and leases to core deposits | 131.1029% | 230 |
| Total domestic deposits to total assets | 86.8826% | 1,716 |
| Equity capital to assets | 10.6760% | 2,645 |
| Core capital (leverage) ratio | 10.2568% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1354% | 1,783 |
| Memoranda: | ||
| Average total assets | $300,158,750 | 2,281 |
| Average earning assets | $275,027,500 | 2,298 |
| Average equity | $35,393,750 | 2,196 |
| Average total loans | $251,971,000 | 1,912 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6237% | 264 |
| Cost of funding earning assets | 1.3166% | 340 |
| Net interest margin | 4.3072% | 740 |
| Noninterest income to average assets | 2.6781% | 198 |
| Noninterest expense to average assets | 5.8386% | 139 |
| Loan and lease loss provision to assets | 2.8553% | 29 |
| Net operating income to assets | -1.5512% | 5,004 |
| Return on assets (ROA) | -1.5512% | 5,002 |
| Pretax return on assets | -2.0710% | 5,010 |
| Return on Equity (ROE) | -12.6926% | 5,001 |
| Retained earnings to average equity (ytd only) | -12.6926% | 4,957 |
| Net charge-offs to loans | 2.5225% | 46 |
| Credit loss provision to net charge-offs | 134.9362% | 2,205 |
| Earnings coverage of net charge-offs (x) | 0.3706% | 2,927 |
| Efficiency ratio | 88.1584% | 444 |
| Assets per employee ($millions) | 5.2946% | 2,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 566 |
| Loan loss allowance to noncurrent loans | 62.9055% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 2.5869% | 212 |
| Noncurrent loans to loans | 2.9671% | 329 |
| Net loans and leases to total assets | 82.5728% | 360 |
| Net loans and leases to deposits | 96.9204% | 730 |
| Net loans and leases to core deposits | 145.2583% | 132 |
| Total domestic deposits to total assets | 85.1966% | 2,311 |
| Equity capital to assets | 10.9671% | 2,375 |
| Core capital (leverage) ratio | 10.3322% | 2,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7630% | 1,901 |
| Memoranda: | ||
| Average total assets | $288,937,333 | 2,319 |
| Average earning assets | $264,629,667 | 2,338 |
| Average equity | $35,312,000 | 2,192 |
| Average total loans | $242,382,333 | 1,949 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1108% | 144 |
| Cost of funding earning assets | 1.4149% | 369 |
| Net interest margin | 4.6958% | 333 |
| Noninterest income to average assets | 4.0099% | 109 |
| Noninterest expense to average assets | 5.2984% | 189 |
| Loan and lease loss provision to assets | 4.9925% | 17 |
| Net operating income to assets | -1.4977% | 5,024 |
| Return on assets (ROA) | -1.4977% | 5,010 |
| Pretax return on assets | -1.9999% | 5,027 |
| Return on Equity (ROE) | -11.5853% | 5,012 |
| Retained earnings to average equity (ytd only) | -11.5853% | 4,815 |
| Net charge-offs to loans | 4.1180% | 30 |
| Credit loss provision to net charge-offs | 144.7699% | 1,600 |
| Earnings coverage of net charge-offs (x) | 0.8678% | 2,435 |
| Efficiency ratio | 63.9053% | 3,248 |
| Assets per employee ($millions) | 4.5891% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1502% | 405 |
| Loan loss allowance to noncurrent loans | 63.4847% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 3.3402% | 157 |
| Noncurrent loans to loans | 3.3869% | 289 |
| Net loans and leases to total assets | 81.1176% | 548 |
| Net loans and leases to deposits | 100.0076% | 559 |
| Net loans and leases to core deposits | 136.8356% | 192 |
| Total domestic deposits to total assets | 81.1114% | 3,640 |
| Equity capital to assets | 12.8587% | 1,519 |
| Core capital (leverage) ratio | 11.9677% | 1,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5934% | 1,719 |
| Memoranda: | ||
| Average total assets | $277,216,000 | 2,341 |
| Average earning assets | $252,734,000 | 2,354 |
| Average equity | $35,838,500 | 2,150 |
| Average total loans | $232,150,000 | 1,978 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2207% | 160 |
| Cost of funding earning assets | 1.5712% | 327 |
| Net interest margin | 4.6495% | 522 |
| Noninterest income to average assets | 3.5093% | 125 |
| Noninterest expense to average assets | 5.0796% | 202 |
| Loan and lease loss provision to assets | 0.7505% | 143 |
| Net operating income to assets | 1.4641% | 1,146 |
| Return on assets (ROA) | 1.4641% | 1,206 |
| Pretax return on assets | 1.9554% | 658 |
| Return on Equity (ROE) | 11.4628% | 1,707 |
| Retained earnings to average equity (ytd only) | 11.4628% | 283 |
| Net charge-offs to loans | 0.5311% | 349 |
| Credit loss provision to net charge-offs | 171.3191% | 1,518 |
| Earnings coverage of net charge-offs (x) | 6.1770% | 2,999 |
| Efficiency ratio | 65.2445% | 2,884 |
| Assets per employee ($millions) | 3.5327% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 925 |
| Loan loss allowance to noncurrent loans | 41.6432% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 3.8673% | 107 |
| Noncurrent loans to loans | 3.9036% | 184 |
| Net loans and leases to total assets | 83.2005% | 399 |
| Net loans and leases to deposits | 104.3764% | 363 |
| Net loans and leases to core deposits | 149.1853% | 122 |
| Total domestic deposits to total assets | 79.7120% | 4,041 |
| Equity capital to assets | 12.9964% | 1,524 |
| Core capital (leverage) ratio | 12.6477% | 1,410 |
| Tier 1 risk-based capital ratio | 14.9504% | 2,799 |
| Total risk-based capital ratio | 16.2051% | 2,739 |
| Memoranda: | ||
| Average total assets | $268,228,200 | 2,340 |
| Average earning assets | $246,691,000 | 2,360 |
| Average equity | $34,258,600 | 2,177 |
| Average total loans | $221,233,800 | 2,022 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3536% | 137 |
| Cost of funding earning assets | 1.5679% | 332 |
| Net interest margin | 4.7857% | 428 |
| Noninterest income to average assets | 3.1847% | 147 |
| Noninterest expense to average assets | 4.8654% | 226 |
| Loan and lease loss provision to assets | 0.4309% | 302 |
| Net operating income to assets | 1.6973% | 749 |
| Return on assets (ROA) | 1.6973% | 787 |
| Pretax return on assets | 2.2934% | 374 |
| Return on Equity (ROE) | 13.3506% | 1,160 |
| Retained earnings to average equity (ytd only) | 13.3506% | 246 |
| Net charge-offs to loans | 0.2427% | 733 |
| Credit loss provision to net charge-offs | 216.6667% | 1,236 |
| Earnings coverage of net charge-offs (x) | 13.6994% | 2,275 |
| Efficiency ratio | 64.1061% | 2,990 |
| Assets per employee ($millions) | 3.8228% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,154 |
| Loan loss allowance to noncurrent loans | 73.8954% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 2.4390% | 293 |
| Noncurrent loans to loans | 2.0766% | 640 |
| Net loans and leases to total assets | 80.7111% | 747 |
| Net loans and leases to deposits | 94.6891% | 1,155 |
| Net loans and leases to core deposits | 139.8648% | 185 |
| Total domestic deposits to total assets | 85.2380% | 2,326 |
| Equity capital to assets | 12.9657% | 1,648 |
| Core capital (leverage) ratio | 13.0872% | 1,309 |
| Tier 1 risk-based capital ratio | 15.3217% | 2,705 |
| Total risk-based capital ratio | 16.5751% | 2,636 |
| Memoranda: | ||
| Average total assets | $265,513,750 | 2,372 |
| Average earning assets | $244,390,250 | 2,391 |
| Average equity | $33,755,500 | 2,218 |
| Average total loans | $217,532,750 | 2,059 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4306% | 123 |
| Cost of funding earning assets | 1.5803% | 291 |
| Net interest margin | 4.8503% | 373 |
| Noninterest income to average assets | 3.2508% | 135 |
| Noninterest expense to average assets | 5.2244% | 188 |
| Loan and lease loss provision to assets | 0.5018% | 233 |
| Net operating income to assets | 1.4756% | 1,216 |
| Return on assets (ROA) | 1.4756% | 1,268 |
| Pretax return on assets | 1.9926% | 688 |
| Return on Equity (ROE) | 11.6877% | 1,698 |
| Retained earnings to average equity (ytd only) | 11.6877% | 445 |
| Net charge-offs to loans | 0.2402% | 701 |
| Credit loss provision to net charge-offs | 255.0388% | 998 |
| Earnings coverage of net charge-offs (x) | 12.6783% | 2,142 |
| Efficiency ratio | 67.6843% | 2,590 |
| Assets per employee ($millions) | 3.8523% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,225 |
| Loan loss allowance to noncurrent loans | 103.3435% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 1.9873% | 472 |
| Noncurrent loans to loans | 1.4662% | 1,056 |
| Net loans and leases to total assets | 81.9528% | 617 |
| Net loans and leases to deposits | 95.7480% | 1,062 |
| Net loans and leases to core deposits | 138.5951% | 208 |
| Total domestic deposits to total assets | 85.5922% | 2,228 |
| Equity capital to assets | 12.6997% | 1,741 |
| Core capital (leverage) ratio | 12.6436% | 1,464 |
| Tier 1 risk-based capital ratio | 15.3691% | 2,668 |
| Total risk-based capital ratio | 16.6232% | 2,602 |
| Memoranda: | ||
| Average total assets | $262,271,330 | 2,405 |
| Average earning assets | $241,594,330 | 2,420 |
| Average equity | $33,111,670 | 2,242 |
| Average total loans | $214,839,670 | 2,081 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5682% | 110 |
| Cost of funding earning assets | 1.6660% | 176 |
| Net interest margin | 4.9022% | 335 |
| Noninterest income to average assets | 2.1038% | 231 |
| Noninterest expense to average assets | 4.9672% | 210 |
| Loan and lease loss provision to assets | 0.3017% | 424 |
| Net operating income to assets | 0.9962% | 2,861 |
| Return on assets (ROA) | 0.9962% | 2,897 |
| Pretax return on assets | 1.3458% | 2,272 |
| Return on Equity (ROE) | 7.9153% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.9153% | 1,699 |
| Net charge-offs to loans | 0.1047% | 1,111 |
| Credit loss provision to net charge-offs | 354.5455% | 754 |
| Earnings coverage of net charge-offs (x) | 19.3636% | 1,592 |
| Efficiency ratio | 75.0935% | 1,602 |
| Assets per employee ($millions) | 3.5530% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,301 |
| Loan loss allowance to noncurrent loans | 72.7863% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.6609% | 267 |
| Noncurrent loans to loans | 2.0772% | 709 |
| Net loans and leases to total assets | 79.9576% | 840 |
| Net loans and leases to deposits | 102.2388% | 483 |
| Net loans and leases to core deposits | 156.5687% | 104 |
| Total domestic deposits to total assets | 78.2068% | 4,481 |
| Equity capital to assets | 12.8631% | 1,535 |
| Core capital (leverage) ratio | 12.1906% | 1,671 |
| Tier 1 risk-based capital ratio | 15.3164% | 2,745 |
| Total risk-based capital ratio | 16.5699% | 2,657 |
| Memoranda: | ||
| Average total assets | $258,577,000 | 2,453 |
| Average earning assets | $237,933,500 | 2,473 |
| Average equity | $32,544,500 | 2,272 |
| Average total loans | $210,062,500 | 2,136 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9106% | 192 |
| Cost of funding earning assets | 1.2442% | 284 |
| Net interest margin | 4.6664% | 522 |
| Noninterest income to average assets | 3.7895% | 111 |
| Noninterest expense to average assets | 4.5965% | 279 |
| Loan and lease loss provision to assets | 0.3721% | 393 |
| Net operating income to assets | 2.3146% | 212 |
| Return on assets (ROA) | 2.3146% | 200 |
| Pretax return on assets | 3.1349% | 85 |
| Return on Equity (ROE) | 20.3931% | 231 |
| Retained earnings to average equity (ytd only) | 0.9155% | 4,730 |
| Net charge-offs to loans | 0.5349% | 335 |
| Credit loss provision to net charge-offs | 82.5648% | 2,829 |
| Earnings coverage of net charge-offs (x) | 7.7810% | 2,957 |
| Efficiency ratio | 56.7221% | 4,319 |
| Assets per employee ($millions) | 3.3505% | 4,702 |
| Cash dividends to net income (ytd only)* | 95.5107% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 1,592 |
| Loan loss allowance to noncurrent loans | 46.1396% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 2.7646% | 252 |
| Noncurrent loans to loans | 3.0606% | 326 |
| Net loans and leases to total assets | 80.1417% | 917 |
| Net loans and leases to deposits | 106.3083% | 361 |
| Net loans and leases to core deposits | 163.8482% | 76 |
| Total domestic deposits to total assets | 75.3861% | 4,832 |
| Equity capital to assets | 12.3148% | 1,691 |
| Core capital (leverage) ratio | 11.3956% | 2,180 |
| Tier 1 risk-based capital ratio | 15.1203% | 2,772 |
| Total risk-based capital ratio | 16.3728% | 2,708 |
| Memoranda: | ||
| Average total assets | $307,952,200 | 2,104 |
| Average earning assets | $284,692,000 | 2,107 |
| Average equity | $34,953,000 | 2,075 |
| Average total loans | $259,483,200 | 1,784 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7898% | 225 |
| Cost of funding earning assets | 1.1701% | 295 |
| Net interest margin | 4.6196% | 569 |
| Noninterest income to average assets | 3.9648% | 118 |
| Noninterest expense to average assets | 4.4333% | 313 |
| Loan and lease loss provision to assets | 0.4647% | 258 |
| Net operating income to assets | 2.4642% | 171 |
| Return on assets (ROA) | 2.4642% | 171 |
| Pretax return on assets | 3.3374% | 83 |
| Return on Equity (ROE) | 22.0948% | 161 |
| Retained earnings to average equity (ytd only) | -3.3739% | 5,268 |
| Net charge-offs to loans | 0.5191% | 294 |
| Credit loss provision to net charge-offs | 105.4924% | 2,181 |
| Earnings coverage of net charge-offs (x) | 8.6307% | 2,687 |
| Efficiency ratio | 53.8321% | 4,622 |
| Assets per employee ($millions) | 3.9551% | 3,958 |
| Cash dividends to net income (ytd only)* | 115.2701% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,043 |
| Loan loss allowance to noncurrent loans | 57.2122% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 519 |
| Noncurrent loans to loans | 2.2947% | 601 |
| Net loans and leases to total assets | 80.4082% | 957 |
| Net loans and leases to deposits | 112.5082% | 222 |
| Net loans and leases to core deposits | 146.3973% | 159 |
| Total domestic deposits to total assets | 71.4688% | 5,163 |
| Equity capital to assets | 11.1748% | 2,502 |
| Core capital (leverage) ratio | 11.4858% | 2,178 |
| Tier 1 risk-based capital ratio | 13.3253% | 3,716 |
| Total risk-based capital ratio | 14.5760% | 3,640 |
| Memoranda: | ||
| Average total assets | $319,606,250 | 2,057 |
| Average earning assets | $295,455,750 | 2,056 |
| Average equity | $35,645,500 | 2,059 |
| Average total loans | $271,244,250 | 1,721 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7503% | 214 |
| Cost of funding earning assets | 1.1558% | 221 |
| Net interest margin | 4.5945% | 556 |
| Noninterest income to average assets | 5.0101% | 98 |
| Noninterest expense to average assets | 4.5443% | 285 |
| Loan and lease loss provision to assets | 0.2246% | 726 |
| Net operating income to assets | 3.3200% | 64 |
| Return on assets (ROA) | 3.3200% | 64 |
| Pretax return on assets | 4.4929% | 52 |
| Return on Equity (ROE) | 29.7869% | 41 |
| Retained earnings to average equity (ytd only) | 0.5495% | 4,849 |
| Net charge-offs to loans | 0.2339% | 680 |
| Credit loss provision to net charge-offs | 111.6923% | 1,873 |
| Earnings coverage of net charge-offs (x) | 23.4646% | 1,707 |
| Efficiency ratio | 49.0649% | 5,073 |
| Assets per employee ($millions) | 3.7536% | 4,280 |
| Cash dividends to net income (ytd only)* | 98.1554% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 2,422 |
| Loan loss allowance to noncurrent loans | 52.9459% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 2.0376% | 522 |
| Noncurrent loans to loans | 2.3648% | 565 |
| Net loans and leases to total assets | 85.0848% | 346 |
| Net loans and leases to deposits | 123.3431% | 78 |
| Net loans and leases to core deposits | 152.9226% | 105 |
| Total domestic deposits to total assets | 68.9822% | 5,310 |
| Equity capital to assets | 11.6883% | 2,070 |
| Core capital (leverage) ratio | 11.2852% | 2,271 |
| Tier 1 risk-based capital ratio | 13.9206% | 3,396 |
| Total risk-based capital ratio | 15.1712% | 3,318 |
| Memoranda: | ||
| Average total assets | $323,309,330 | 2,047 |
| Average earning assets | $299,186,670 | 2,052 |
| Average equity | $36,036,000 | 2,032 |
| Average total loans | $277,873,330 | 1,704 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 380 |
| Cost of funding earning assets | 1.1155% | 213 |
| Net interest margin | 4.2198% | 1,131 |
| Noninterest income to average assets | 3.7580% | 126 |
| Noninterest expense to average assets | 4.2986% | 353 |
| Loan and lease loss provision to assets | 0.3160% | 407 |
| Net operating income to assets | 2.2574% | 218 |
| Return on assets (ROA) | 2.2574% | 217 |
| Pretax return on assets | 3.0564% | 109 |
| Return on Equity (ROE) | 20.7135% | 209 |
| Retained earnings to average equity (ytd only) | 17.7592% | 164 |
| Net charge-offs to loans | 0.1539% | 916 |
| Credit loss provision to net charge-offs | 239.0909% | 937 |
| Earnings coverage of net charge-offs (x) | 25.5182% | 1,343 |
| Efficiency ratio | 56.0376% | 4,575 |
| Assets per employee ($millions) | 4.2798% | 3,517 |
| Cash dividends to net income (ytd only)* | 14.2629% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 2,875 |
| Loan loss allowance to noncurrent loans | 55.6923% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.8498% | 651 |
| Noncurrent loans to loans | 2.1354% | 721 |
| Net loans and leases to total assets | 85.5948% | 292 |
| Net loans and leases to deposits | 122.6551% | 89 |
| Net loans and leases to core deposits | 149.0770% | 133 |
| Total domestic deposits to total assets | 69.7850% | 5,369 |
| Equity capital to assets | 11.2457% | 2,351 |
| Core capital (leverage) ratio | 11.0810% | 2,348 |
| Tier 1 risk-based capital ratio | 14.5870% | 3,077 |
| Total risk-based capital ratio | 15.8385% | 2,979 |
| Memoranda: | ||
| Average total assets | $332,945,000 | 2,005 |
| Average earning assets | $308,735,000 | 2,004 |
| Average equity | $36,285,500 | 2,029 |
| Average total loans | $285,825,000 | 1,673 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 255 |
| Cost of funding earning assets | 1.0683% | 151 |
| Net interest margin | 4.4510% | 688 |
| Noninterest income to average assets | 3.3017% | 156 |
| Noninterest expense to average assets | 5.3718% | 180 |
| Loan and lease loss provision to assets | 0.7083% | 172 |
| Net operating income to assets | 1.0089% | 2,203 |
| Return on assets (ROA) | 1.0089% | 2,236 |
| Pretax return on assets | 1.3213% | 2,275 |
| Return on Equity (ROE) | 9.4241% | 2,128 |
| Retained earnings to average equity (ytd only) | 0.6891% | 4,764 |
| Net charge-offs to loans | 0.4701% | 502 |
| Credit loss provision to net charge-offs | 182.4264% | 1,486 |
| Earnings coverage of net charge-offs (x) | 5.2275% | 3,361 |
| Efficiency ratio | 72.5784% | 2,140 |
| Assets per employee ($millions) | 4.4256% | 3,313 |
| Cash dividends to net income (ytd only)* | 92.6880% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 3,169 |
| Loan loss allowance to noncurrent loans | 51.9468% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.8556% | 645 |
| Noncurrent loans to loans | 2.1808% | 673 |
| Net loans and leases to total assets | 84.1218% | 434 |
| Net loans and leases to deposits | 119.8363% | 115 |
| Net loans and leases to core deposits | 144.5991% | 168 |
| Total domestic deposits to total assets | 70.1973% | 5,402 |
| Equity capital to assets | 10.5580% | 3,098 |
| Core capital (leverage) ratio | 12.0129% | 1,598 |
| Tier 1 risk-based capital ratio | 13.5328% | 3,613 |
| Total risk-based capital ratio | 14.7828% | 3,520 |
| Memoranda: | ||
| Average total assets | $288,732,000 | 2,232 |
| Average earning assets | $265,938,600 | 2,239 |
| Average equity | $30,910,000 | 2,296 |
| Average total loans | $238,479,400 | 1,883 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4976% | 254 |
| Cost of funding earning assets | 1.1017% | 112 |
| Net interest margin | 4.3959% | 736 |
| Noninterest income to average assets | 4.0862% | 138 |
| Noninterest expense to average assets | 5.7569% | 167 |
| Loan and lease loss provision to assets | 0.5033% | 233 |
| Net operating income to assets | 1.1338% | 1,938 |
| Return on assets (ROA) | 1.1338% | 1,996 |
| Pretax return on assets | 1.8634% | 762 |
| Return on Equity (ROE) | 10.5464% | 1,884 |
| Retained earnings to average equity (ytd only) | -1.5501% | 5,398 |
| Net charge-offs to loans | 0.3090% | 681 |
| Credit loss provision to net charge-offs | 199.0476% | 1,354 |
| Earnings coverage of net charge-offs (x) | 9.3600% | 2,701 |
| Efficiency ratio | 70.8662% | 2,384 |
| Assets per employee ($millions) | 3.5219% | 4,700 |
| Cash dividends to net income (ytd only)* | 114.6983% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,572 |
| Loan loss allowance to noncurrent loans | 41.7169% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.4145% | 468 |
| Noncurrent loans to loans | 3.0232% | 420 |
| Net loans and leases to total assets | 78.8589% | 1,140 |
| Net loans and leases to deposits | 96.3028% | 1,090 |
| Net loans and leases to core deposits | 117.0865% | 701 |
| Total domestic deposits to total assets | 81.8863% | 3,816 |
| Equity capital to assets | 12.4165% | 1,709 |
| Core capital (leverage) ratio | 12.6484% | 1,356 |
| Tier 1 risk-based capital ratio | 14.7283% | 3,048 |
| Total risk-based capital ratio | 15.9446% | 2,998 |
| Memoranda: | ||
| Average total assets | $276,829,500 | 2,318 |
| Average earning assets | $254,260,500 | 2,341 |
| Average equity | $29,759,750 | 2,386 |
| Average total loans | $226,554,500 | 1,964 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3967% | 279 |
| Cost of funding earning assets | 1.1156% | 92 |
| Net interest margin | 4.2811% | 911 |
| Noninterest income to average assets | 4.4937% | 125 |
| Noninterest expense to average assets | 6.2416% | 146 |
| Loan and lease loss provision to assets | 0.4048% | 322 |
| Net operating income to assets | 1.0655% | 2,141 |
| Return on assets (ROA) | 1.0655% | 2,183 |
| Pretax return on assets | 1.7741% | 889 |
| Return on Equity (ROE) | 10.4646% | 1,852 |
| Retained earnings to average equity (ytd only) | -8.8085% | 5,630 |
| Net charge-offs to loans | 0.2598% | 792 |
| Credit loss provision to net charge-offs | 188.8136% | 1,327 |
| Earnings coverage of net charge-offs (x) | 10.1627% | 2,364 |
| Efficiency ratio | 74.1239% | 1,986 |
| Assets per employee ($millions) | 3.5446% | 4,656 |
| Cash dividends to net income (ytd only)* | 184.1746% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,481 |
| Loan loss allowance to noncurrent loans | 37.0317% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 2.6175% | 392 |
| Noncurrent loans to loans | 3.0156% | 429 |
| Net loans and leases to total assets | 82.6274% | 590 |
| Net loans and leases to deposits | 101.2328% | 660 |
| Net loans and leases to core deposits | 126.3867% | 385 |
| Total domestic deposits to total assets | 81.6212% | 4,009 |
| Equity capital to assets | 10.1703% | 3,713 |
| Core capital (leverage) ratio | 10.3171% | 3,120 |
| Tier 1 risk-based capital ratio | 12.1444% | 4,533 |
| Total risk-based capital ratio | 13.2820% | 4,495 |
| Memoranda: | ||
| Average total assets | $275,188,000 | 2,341 |
| Average earning assets | $252,412,330 | 2,366 |
| Average equity | $28,018,330 | 2,503 |
| Average total loans | $227,064,000 | 1,963 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4873% | 235 |
| Cost of funding earning assets | 1.1198% | 85 |
| Net interest margin | 4.3675% | 674 |
| Noninterest income to average assets | 4.7541% | 124 |
| Noninterest expense to average assets | 5.7594% | 174 |
| Loan and lease loss provision to assets | 0.4021% | 280 |
| Net operating income to assets | 1.5298% | 768 |
| Return on assets (ROA) | 1.5298% | 792 |
| Pretax return on assets | 2.5876% | 194 |
| Return on Equity (ROE) | 15.0172% | 640 |
| Retained earnings to average equity (ytd only) | -17.8776% | 5,702 |
| Net charge-offs to loans | 0.1013% | 1,359 |
| Credit loss provision to net charge-offs | 484.2105% | 582 |
| Earnings coverage of net charge-offs (x) | 36.0000% | 1,107 |
| Efficiency ratio | 65.8285% | 3,527 |
| Assets per employee ($millions) | 2.5354% | 5,606 |
| Cash dividends to net income (ytd only)* | 219.0476% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 3,430 |
| Loan loss allowance to noncurrent loans | 68.2540% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 1,093 |
| Noncurrent loans to loans | 1.6809% | 1,145 |
| Net loans and leases to total assets | 81.3368% | 647 |
| Net loans and leases to deposits | 97.2419% | 829 |
| Net loans and leases to core deposits | 116.2446% | 583 |
| Total domestic deposits to total assets | 83.6438% | 3,605 |
| Equity capital to assets | 10.4537% | 3,231 |
| Core capital (leverage) ratio | 10.2864% | 3,132 |
| Tier 1 risk-based capital ratio | 12.4322% | 4,423 |
| Total risk-based capital ratio | 13.5763% | 4,399 |
| Memoranda: | ||
| Average total assets | $274,541,500 | 2,366 |
| Average earning assets | $251,126,500 | 2,390 |
| Average equity | $27,968,000 | 2,518 |
| Average total loans | $225,081,500 | 1,986 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 274 |
| Cost of funding earning assets | 1.1085% | 96 |
| Net interest margin | 4.3234% | 891 |
| Noninterest income to average assets | 6.5808% | 89 |
| Noninterest expense to average assets | 8.4953% | 94 |
| Loan and lease loss provision to assets | 0.5377% | 254 |
| Net operating income to assets | 0.8586% | 3,036 |
| Return on assets (ROA) | 0.8586% | 3,145 |
| Pretax return on assets | 1.4754% | 1,667 |
| Return on Equity (ROE) | 8.1618% | 2,853 |
| Retained earnings to average equity (ytd only) | 6.2241% | 1,595 |
| Net charge-offs to loans | 0.4127% | 639 |
| Credit loss provision to net charge-offs | 157.9641% | 1,743 |
| Earnings coverage of net charge-offs (x) | 5.9138% | 3,256 |
| Efficiency ratio | 80.8426% | 1,322 |
| Assets per employee ($millions) | 2.6200% | 5,606 |
| Cash dividends to net income (ytd only)* | 23.7417% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 4,241 |
| Loan loss allowance to noncurrent loans | 67.2469% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5414% | 1,057 |
| Noncurrent loans to loans | 1.5050% | 1,329 |
| Net loans and leases to total assets | 80.8736% | 761 |
| Net loans and leases to deposits | 104.4322% | 417 |
| Net loans and leases to core deposits | 127.4701% | 315 |
| Total domestic deposits to total assets | 77.4413% | 5,058 |
| Equity capital to assets | 9.9317% | 3,788 |
| Core capital (leverage) ratio | 10.3396% | 3,058 |
| Tier 1 risk-based capital ratio | 12.9243% | 4,118 |
| Total risk-based capital ratio | 14.0150% | 4,112 |
| Memoranda: | ||
| Average total assets | $245,287,600 | 2,547 |
| Average earning assets | $222,832,800 | 2,571 |
| Average equity | $25,803,000 | 2,651 |
| Average total loans | $202,349,000 | 2,103 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 281 |
| Cost of funding earning assets | 1.0934% | 100 |
| Net interest margin | 4.3383% | 866 |
| Noninterest income to average assets | 6.8422% | 88 |
| Noninterest expense to average assets | 7.9719% | 106 |
| Loan and lease loss provision to assets | 0.4222% | 335 |
| Net operating income to assets | 1.4019% | 1,066 |
| Return on assets (ROA) | 1.4019% | 1,121 |
| Pretax return on assets | 2.3822% | 261 |
| Return on Equity (ROE) | 13.1099% | 1,022 |
| Retained earnings to average equity (ytd only) | 10.4742% | 492 |
| Net charge-offs to loans | 0.2828% | 811 |
| Credit loss provision to net charge-offs | 180.4819% | 1,554 |
| Earnings coverage of net charge-offs (x) | 11.9879% | 2,429 |
| Efficiency ratio | 73.9760% | 2,291 |
| Assets per employee ($millions) | 2.5966% | 5,676 |
| Cash dividends to net income (ytd only)* | 20.1045% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 4,354 |
| Loan loss allowance to noncurrent loans | 90.4841% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.2590% | 1,548 |
| Noncurrent loans to loans | 1.1142% | 2,024 |
| Net loans and leases to total assets | 81.9798% | 623 |
| Net loans and leases to deposits | 106.4691% | 369 |
| Net loans and leases to core deposits | 132.7927% | 266 |
| Total domestic deposits to total assets | 76.9987% | 5,087 |
| Equity capital to assets | 10.1075% | 4,033 |
| Core capital (leverage) ratio | 10.4039% | 3,106 |
| Tier 1 risk-based capital ratio | 12.8361% | 4,258 |
| Total risk-based capital ratio | 13.9122% | 4,273 |
| Memoranda: | ||
| Average total assets | $236,525,750 | 2,616 |
| Average earning assets | $214,489,500 | 2,662 |
| Average equity | $25,293,250 | 2,707 |
| Average total loans | $195,677,500 | 2,156 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 313 |
| Cost of funding earning assets | 1.0867% | 98 |
| Net interest margin | 4.2869% | 946 |
| Noninterest income to average assets | 6.9777% | 87 |
| Noninterest expense to average assets | 8.0895% | 103 |
| Loan and lease loss provision to assets | 0.4571% | 309 |
| Net operating income to assets | 1.3111% | 1,244 |
| Return on assets (ROA) | 1.3111% | 1,338 |
| Pretax return on assets | 2.3137% | 298 |
| Return on Equity (ROE) | 12.0115% | 1,319 |
| Retained earnings to average equity (ytd only) | 12.0115% | 323 |
| Net charge-offs to loans | 0.4090% | 557 |
| Credit loss provision to net charge-offs | 135.1421% | 1,727 |
| Earnings coverage of net charge-offs (x) | 8.1912% | 2,542 |
| Efficiency ratio | 74.4869% | 2,296 |
| Assets per employee ($millions) | 2.4228% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,535 |
| Loan loss allowance to noncurrent loans | 73.0441% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 1.5230% | 1,248 |
| Noncurrent loans to loans | 1.3671% | 1,637 |
| Net loans and leases to total assets | 80.6115% | 812 |
| Net loans and leases to deposits | 109.1877% | 274 |
| Net loans and leases to core deposits | 123.2964% | 428 |
| Total domestic deposits to total assets | 73.8284% | 5,531 |
| Equity capital to assets | 10.6337% | 3,490 |
| Core capital (leverage) ratio | 10.8788% | 2,557 |
| Tier 1 risk-based capital ratio | 13.6078% | 3,831 |
| Total risk-based capital ratio | 14.6626% | 3,872 |
| Memoranda: | ||
| Average total assets | $228,814,670 | 2,688 |
| Average earning assets | $207,237,670 | 2,741 |
| Average equity | $24,976,000 | 2,744 |
| Average total loans | $189,224,670 | 2,220 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 198 |
| Cost of funding earning assets | 1.0818% | 104 |
| Net interest margin | 4.5816% | 520 |
| Noninterest income to average assets | 6.8587% | 89 |
| Noninterest expense to average assets | 8.0727% | 107 |
| Loan and lease loss provision to assets | 0.2215% | 860 |
| Net operating income to assets | 1.4193% | 1,009 |
| Return on assets (ROA) | 1.4193% | 1,063 |
| Pretax return on assets | 2.7143% | 169 |
| Return on Equity (ROE) | 12.8221% | 1,078 |
| Retained earnings to average equity (ytd only) | 12.8221% | 414 |
| Net charge-offs to loans | 0.1901% | 1,028 |
| Credit loss provision to net charge-offs | 139.7727% | 1,317 |
| Earnings coverage of net charge-offs (x) | 18.5227% | 1,540 |
| Efficiency ratio | 73.3312% | 2,585 |
| Assets per employee ($millions) | 1.9959% | 5,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9701% | 4,763 |
| Loan loss allowance to noncurrent loans | 58.7921% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 1.5497% | 1,297 |
| Noncurrent loans to loans | 1.6500% | 1,372 |
| Net loans and leases to total assets | 83.1255% | 443 |
| Net loans and leases to deposits | 110.4142% | 219 |
| Net loans and leases to core deposits | 125.0290% | 355 |
| Total domestic deposits to total assets | 75.2851% | 5,491 |
| Equity capital to assets | 10.8997% | 3,045 |
| Core capital (leverage) ratio | 11.3278% | 2,118 |
| Tier 1 risk-based capital ratio | 14.0542% | 3,657 |
| Total risk-based capital ratio | 15.1182% | 3,712 |
| Memoranda: | ||
| Average total assets | $222,083,000 | 2,762 |
| Average earning assets | $201,151,000 | 2,810 |
| Average equity | $24,582,500 | 2,783 |
| Average total loans | $185,200,000 | 2,261 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6007% | 234 |
| Cost of funding earning assets | 1.1016% | 99 |
| Net interest margin | 4.4991% | 654 |
| Noninterest income to average assets | 10.9860% | 61 |
| Noninterest expense to average assets | 11.5906% | 61 |
| Loan and lease loss provision to assets | 0.2380% | 809 |
| Net operating income to assets | 1.9795% | 356 |
| Return on assets (ROA) | 1.9795% | 366 |
| Pretax return on assets | 3.1946% | 107 |
| Return on Equity (ROE) | 18.1743% | 366 |
| Retained earnings to average equity (ytd only) | 16.3755% | 107 |
| Net charge-offs to loans | 0.1467% | 1,896 |
| Credit loss provision to net charge-offs | 194.7368% | 1,426 |
| Earnings coverage of net charge-offs (x) | 28.0891% | 1,521 |
| Efficiency ratio | 77.1513% | 2,095 |
| Assets per employee ($millions) | 1.6768% | 6,091 |
| Cash dividends to net income (ytd only)* | 9.8975% | 4,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 4,430 |
| Loan loss allowance to noncurrent loans | 44.9951% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 2.0248% | 863 |
| Noncurrent loans to loans | 2.2933% | 836 |
| Net loans and leases to total assets | 81.9522% | 600 |
| Net loans and leases to deposits | 98.6108% | 774 |
| Net loans and leases to core deposits | 114.8698% | 644 |
| Total domestic deposits to total assets | 83.1067% | 3,808 |
| Equity capital to assets | 11.2502% | 2,589 |
| Core capital (leverage) ratio | 11.2376% | 2,170 |
| Tier 1 risk-based capital ratio | 13.5876% | 3,959 |
| Total risk-based capital ratio | 14.6297% | 4,008 |
| Memoranda: | ||
| Average total assets | $202,121,000 | 2,924 |
| Average earning assets | $181,370,200 | 2,988 |
| Average equity | $22,014,600 | 2,973 |
| Average total loans | $168,314,800 | 2,370 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4406% | 297 |
| Cost of funding earning assets | 1.0960% | 103 |
| Net interest margin | 4.3445% | 881 |
| Noninterest income to average assets | 11.6618% | 61 |
| Noninterest expense to average assets | 11.8789% | 64 |
| Loan and lease loss provision to assets | 0.2794% | 560 |
| Net operating income to assets | 2.0335% | 345 |
| Return on assets (ROA) | 2.0335% | 360 |
| Pretax return on assets | 3.3970% | 95 |
| Return on Equity (ROE) | 18.8375% | 349 |
| Retained earnings to average equity (ytd only) | 16.3858% | 122 |
| Net charge-offs to loans | 0.1984% | 1,296 |
| Credit loss provision to net charge-offs | 168.8259% | 1,541 |
| Earnings coverage of net charge-offs (x) | 22.2143% | 1,790 |
| Efficiency ratio | 76.3654% | 2,186 |
| Assets per employee ($millions) | 1.6673% | 6,177 |
| Cash dividends to net income (ytd only)* | 13.0147% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 4,371 |
| Loan loss allowance to noncurrent loans | 54.5287% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.7595% | 1,231 |
| Noncurrent loans to loans | 1.9680% | 1,182 |
| Net loans and leases to total assets | 80.2191% | 798 |
| Net loans and leases to deposits | 98.4779% | 779 |
| Net loans and leases to core deposits | 115.5298% | 611 |
| Total domestic deposits to total assets | 81.4589% | 4,346 |
| Equity capital to assets | 11.3408% | 2,655 |
| Core capital (leverage) ratio | 11.5787% | 1,976 |
| Tier 1 risk-based capital ratio | 14.3170% | 3,669 |
| Total risk-based capital ratio | 15.4265% | 3,677 |
| Memoranda: | ||
| Average total assets | $198,992,250 | 2,978 |
| Average earning assets | $178,334,250 | 3,047 |
| Average equity | $21,481,500 | 3,048 |
| Average total loans | $165,960,250 | 2,413 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5347% | 250 |
| Cost of funding earning assets | 1.0904% | 103 |
| Net interest margin | 4.4442% | 699 |
| Noninterest income to average assets | 12.5071% | 60 |
| Noninterest expense to average assets | 12.8584% | 61 |
| Loan and lease loss provision to assets | 0.2319% | 793 |
| Net operating income to assets | 2.0403% | 345 |
| Return on assets (ROA) | 2.0403% | 361 |
| Pretax return on assets | 3.3991% | 102 |
| Return on Equity (ROE) | 19.2338% | 312 |
| Retained earnings to average equity (ytd only) | 15.4539% | 170 |
| Net charge-offs to loans | 0.0950% | 2,070 |
| Credit loss provision to net charge-offs | 289.8734% | 949 |
| Earnings coverage of net charge-offs (x) | 45.3924% | 1,024 |
| Efficiency ratio | 77.9797% | 2,078 |
| Assets per employee ($millions) | 1.6247% | 6,265 |
| Cash dividends to net income (ytd only)* | 19.6526% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 4,735 |
| Loan loss allowance to noncurrent loans | 53.9125% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.7313% | 1,363 |
| Noncurrent loans to loans | 1.9022% | 1,308 |
| Net loans and leases to total assets | 83.1642% | 452 |
| Net loans and leases to deposits | 104.0923% | 446 |
| Net loans and leases to core deposits | 121.3310% | 436 |
| Total domestic deposits to total assets | 79.8946% | 4,890 |
| Equity capital to assets | 10.8516% | 3,050 |
| Core capital (leverage) ratio | 10.9290% | 2,498 |
| Tier 1 risk-based capital ratio | 13.9451% | 3,966 |
| Total risk-based capital ratio | 15.0635% | 3,961 |
| Memoranda: | ||
| Average total assets | $197,520,330 | 3,017 |
| Average earning assets | $176,993,670 | 3,076 |
| Average equity | $20,952,670 | 3,114 |
| Average total loans | $166,299,670 | 2,414 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2719% | 368 |
| Cost of funding earning assets | 1.0227% | 161 |
| Net interest margin | 4.2492% | 977 |
| Noninterest income to average assets | 13.3205% | 58 |
| Noninterest expense to average assets | 13.4622% | 56 |
| Loan and lease loss provision to assets | 0.4334% | 253 |
| Net operating income to assets | 1.9493% | 373 |
| Return on assets (ROA) | 1.9493% | 393 |
| Pretax return on assets | 3.2310% | 120 |
| Return on Equity (ROE) | 18.5987% | 343 |
| Retained earnings to average equity (ytd only) | 10.8378% | 747 |
| Net charge-offs to loans | 0.1487% | 1,355 |
| Credit loss provision to net charge-offs | 345.9016% | 733 |
| Earnings coverage of net charge-offs (x) | 29.2459% | 1,172 |
| Efficiency ratio | 78.6040% | 2,103 |
| Assets per employee ($millions) | 1.5490% | 6,333 |
| Cash dividends to net income (ytd only)* | 41.7281% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 5,015 |
| Loan loss allowance to noncurrent loans | 33.1188% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 2.5915% | 807 |
| Noncurrent loans to loans | 3.0239% | 710 |
| Net loans and leases to total assets | 83.9664% | 310 |
| Net loans and leases to deposits | 106.6444% | 292 |
| Net loans and leases to core deposits | 124.7386% | 316 |
| Total domestic deposits to total assets | 78.7349% | 5,310 |
| Equity capital to assets | 10.0566% | 4,085 |
| Core capital (leverage) ratio | 10.9423% | 2,469 |
| Tier 1 risk-based capital ratio | 12.4066% | 4,973 |
| Total risk-based capital ratio | 13.4647% | 5,010 |
| Memoranda: | ||
| Average total assets | $194,738,000 | 3,062 |
| Average earning assets | $174,434,500 | 3,120 |
| Average equity | $20,410,000 | 3,185 |
| Average total loans | $164,127,500 | 2,445 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3527% | 412 |
| Cost of funding earning assets | 0.9523% | 286 |
| Net interest margin | 4.4005% | 887 |
| Noninterest income to average assets | 12.8944% | 56 |
| Noninterest expense to average assets | 12.5045% | 58 |
| Loan and lease loss provision to assets | 0.5225% | 284 |
| Net operating income to assets | 2.3952% | 168 |
| Return on assets (ROA) | 2.4151% | 170 |
| Pretax return on assets | 3.9430% | 72 |
| Return on Equity (ROE) | 22.6534% | 158 |
| Retained earnings to average equity (ytd only) | 22.6534% | 50 |
| Net charge-offs to loans | 0.2669% | 1,618 |
| Credit loss provision to net charge-offs | 230.4233% | 1,096 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,776 |
| Efficiency ratio | 73.8216% | 2,864 |
| Assets per employee ($millions) | 1.2652% | 6,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 4,843 |
| Loan loss allowance to noncurrent loans | 28.3336% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 3.0782% | 647 |
| Noncurrent loans to loans | 3.6785% | 538 |
| Net loans and leases to total assets | 82.8087% | 449 |
| Net loans and leases to deposits | 106.8868% | 329 |
| Net loans and leases to core deposits | 122.5012% | 349 |
| Total domestic deposits to total assets | 77.4732% | 5,526 |
| Equity capital to assets | 10.9570% | 2,939 |
| Core capital (leverage) ratio | 11.2993% | 2,133 |
| Tier 1 risk-based capital ratio | 13.2850% | 4,548 |
| Total risk-based capital ratio | 14.3639% | 4,569 |
| Memoranda: | ||
| Average total assets | $166,700,200 | 3,381 |
| Average earning assets | $153,211,200 | 3,389 |
| Average equity | $17,772,200 | 3,424 |
| Average total loans | $141,630,600 | 2,691 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2348% | 485 |
| Cost of funding earning assets | 0.9301% | 342 |
| Net interest margin | 4.3046% | 1,044 |
| Noninterest income to average assets | 13.3780% | 56 |
| Noninterest expense to average assets | 12.6486% | 56 |
| Loan and lease loss provision to assets | 0.7121% | 181 |
| Net operating income to assets | 2.4490% | 157 |
| Return on assets (ROA) | 2.4752% | 154 |
| Pretax return on assets | 4.0488% | 73 |
| Return on Equity (ROE) | 23.4006% | 143 |
| Retained earnings to average equity (ytd only) | 23.4006% | 41 |
| Net charge-offs to loans | 0.3606% | 1,113 |
| Credit loss provision to net charge-offs | 231.4667% | 1,126 |
| Earnings coverage of net charge-offs (x) | 15.3412% | 2,062 |
| Efficiency ratio | 72.8248% | 3,034 |
| Assets per employee ($millions) | 1.2223% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 4,879 |
| Loan loss allowance to noncurrent loans | 34.1588% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 2.6987% | 932 |
| Noncurrent loans to loans | 3.1325% | 818 |
| Net loans and leases to total assets | 85.2292% | 245 |
| Net loans and leases to deposits | 106.1009% | 326 |
| Net loans and leases to core deposits | 121.1670% | 370 |
| Total domestic deposits to total assets | 80.3284% | 5,003 |
| Equity capital to assets | 10.9849% | 2,972 |
| Core capital (leverage) ratio | 11.0345% | 2,458 |
| Tier 1 risk-based capital ratio | 13.0180% | 4,856 |
| Total risk-based capital ratio | 14.1339% | 4,845 |
| Memoranda: | ||
| Average total assets | $162,512,000 | 3,483 |
| Average earning assets | $150,655,000 | 3,452 |
| Average equity | $17,190,000 | 3,517 |
| Average total loans | $138,659,500 | 2,751 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 551 |
| Cost of funding earning assets | 0.8857% | 464 |
| Net interest margin | 4.2669% | 1,099 |
| Noninterest income to average assets | 10.2400% | 66 |
| Noninterest expense to average assets | 11.8115% | 60 |
| Loan and lease loss provision to assets | 0.5339% | 272 |
| Net operating income to assets | 1.1535% | 1,747 |
| Return on assets (ROA) | 1.1937% | 1,679 |
| Pretax return on assets | 1.9430% | 623 |
| Return on Equity (ROE) | 11.4460% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.4460% | 484 |
| Net charge-offs to loans | 0.1200% | 2,471 |
| Credit loss provision to net charge-offs | 523.4568% | 565 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,460 |
| Efficiency ratio | 83.0309% | 1,625 |
| Assets per employee ($millions) | 1.2226% | 6,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 5,442 |
| Loan loss allowance to noncurrent loans | 44.7393% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 2.2647% | 1,331 |
| Noncurrent loans to loans | 2.1861% | 1,498 |
| Net loans and leases to total assets | 85.1628% | 230 |
| Net loans and leases to deposits | 110.5341% | 197 |
| Net loans and leases to core deposits | 121.9185% | 336 |
| Total domestic deposits to total assets | 77.0466% | 5,796 |
| Equity capital to assets | 9.8553% | 4,285 |
| Core capital (leverage) ratio | 10.6141% | 2,808 |
| Tier 1 risk-based capital ratio | 12.2711% | 5,371 |
| Total risk-based capital ratio | 13.3282% | 5,425 |
| Memoranda: | ||
| Average total assets | $158,827,670 | 3,555 |
| Average earning assets | $148,351,330 | 3,512 |
| Average equity | $16,564,670 | 3,603 |
| Average total loans | $135,036,670 | 2,798 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 881 |
| Cost of funding earning assets | 0.8690% | 528 |
| Net interest margin | 4.0237% | 1,670 |
| Noninterest income to average assets | 8.4999% | 71 |
| Noninterest expense to average assets | 10.2966% | 70 |
| Loan and lease loss provision to assets | 0.3052% | 630 |
| Net operating income to assets | 1.1286% | 1,704 |
| Return on assets (ROA) | 1.1233% | 1,788 |
| Pretax return on assets | 1.6784% | 1,019 |
| Return on Equity (ROE) | 10.4449% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.4449% | 858 |
| Net charge-offs to loans | 0.1713% | 1,692 |
| Credit loss provision to net charge-offs | 210.9091% | 998 |
| Earnings coverage of net charge-offs (x) | 13.7636% | 1,653 |
| Efficiency ratio | 83.7936% | 1,696 |
| Assets per employee ($millions) | 1.1844% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 5,902 |
| Loan loss allowance to noncurrent loans | 29.8492% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 2.6848% | 1,139 |
| Noncurrent loans to loans | 2.9716% | 1,075 |
| Net loans and leases to total assets | 84.7608% | 198 |
| Net loans and leases to deposits | 109.1538% | 165 |
| Net loans and leases to core deposits | 119.5382% | 334 |
| Total domestic deposits to total assets | 77.6527% | 5,879 |
| Equity capital to assets | 10.7743% | 2,955 |
| Core capital (leverage) ratio | 10.9927% | 2,398 |
| Tier 1 risk-based capital ratio | 13.2278% | 4,874 |
| Total risk-based capital ratio | 14.1667% | 4,990 |
| Memoranda: | ||
| Average total assets | $152,049,500 | 3,675 |
| Average earning assets | $143,150,500 | 3,634 |
| Average equity | $16,352,500 | 3,642 |
| Average total loans | $128,426,500 | 2,904 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 1,239 |
| Cost of funding earning assets | 0.9590% | 556 |
| Net interest margin | 3.8765% | 2,385 |
| Noninterest income to average assets | 14.7645% | 48 |
| Noninterest expense to average assets | 14.8444% | 51 |
| Loan and lease loss provision to assets | 0.7237% | 313 |
| Net operating income to assets | 1.7402% | 537 |
| Return on assets (ROA) | 1.7258% | 578 |
| Pretax return on assets | 2.8165% | 142 |
| Return on Equity (ROE) | 16.9410% | 509 |
| Retained earnings to average equity (ytd only) | 16.9410% | 125 |
| Net charge-offs to loans | 0.9867% | 598 |
| Credit loss provision to net charge-offs | 88.1229% | 2,815 |
| Earnings coverage of net charge-offs (x) | 4.3380% | 3,597 |
| Efficiency ratio | 80.6448% | 2,063 |
| Assets per employee ($millions) | 1.4435% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8844% | 5,968 |
| Loan loss allowance to noncurrent loans | 35.8833% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 2.0550% | 1,746 |
| Noncurrent loans to loans | 2.4646% | 1,546 |
| Net loans and leases to total assets | 82.6433% | 353 |
| Net loans and leases to deposits | 107.1604% | 229 |
| Net loans and leases to core deposits | 117.4224% | 380 |
| Total domestic deposits to total assets | 77.1211% | 5,948 |
| Equity capital to assets | 10.7347% | 2,894 |
| Core capital (leverage) ratio | 11.3889% | 2,043 |
| Tier 1 risk-based capital ratio | 14.0559% | 4,262 |
| Total risk-based capital ratio | 15.0280% | 4,403 |
| Memoranda: | ||
| Average total assets | $146,601,200 | 3,758 |
| Average earning assets | $137,753,000 | 3,699 |
| Average equity | $14,934,200 | 3,886 |
| Average total loans | $122,024,200 | 3,000 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 1,289 |
| Cost of funding earning assets | 0.9800% | 548 |
| Net interest margin | 3.8478% | 2,472 |
| Noninterest income to average assets | 16.7530% | 44 |
| Noninterest expense to average assets | 16.3495% | 48 |
| Loan and lease loss provision to assets | 1.0339% | 158 |
| Net operating income to assets | 1.8315% | 493 |
| Return on assets (ROA) | 1.8098% | 534 |
| Pretax return on assets | 2.9499% | 144 |
| Return on Equity (ROE) | 18.0154% | 441 |
| Retained earnings to average equity (ytd only) | 18.0154% | 107 |
| Net charge-offs to loans | 1.3197% | 400 |
| Credit loss provision to net charge-offs | 94.1667% | 2,529 |
| Earnings coverage of net charge-offs (x) | 3.6592% | 3,642 |
| Efficiency ratio | 80.2740% | 2,054 |
| Assets per employee ($millions) | 1.2875% | 6,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0389% | 5,562 |
| Loan loss allowance to noncurrent loans | 47.5423% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 1.8781% | 2,162 |
| Noncurrent loans to loans | 2.1853% | 2,025 |
| Net loans and leases to total assets | 79.3610% | 617 |
| Net loans and leases to deposits | 90.6217% | 1,095 |
| Net loans and leases to core deposits | 98.6605% | 1,191 |
| Total domestic deposits to total assets | 87.5740% | 2,373 |
| Equity capital to assets | 11.0047% | 2,753 |
| Core capital (leverage) ratio | 10.6334% | 2,854 |
| Tier 1 risk-based capital ratio | 14.3119% | 4,206 |
| Total risk-based capital ratio | 15.4043% | 4,266 |
| Memoranda: | ||
| Average total assets | $145,721,250 | 3,816 |
| Average earning assets | $136,872,750 | 3,749 |
| Average equity | $14,639,000 | 3,983 |
| Average total loans | $121,237,250 | 3,033 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 2,604 |
| Cost of funding earning assets | 0.9653% | 654 |
| Net interest margin | 3.4248% | 4,089 |
| Noninterest income to average assets | 19.8375% | 39 |
| Noninterest expense to average assets | 18.6668% | 40 |
| Loan and lease loss provision to assets | 0.9613% | 200 |
| Net operating income to assets | 2.0958% | 303 |
| Return on assets (ROA) | 2.0628% | 336 |
| Pretax return on assets | 3.3708% | 114 |
| Return on Equity (ROE) | 21.1822% | 239 |
| Retained earnings to average equity (ytd only) | 21.1822% | 71 |
| Net charge-offs to loans | 1.0227% | 593 |
| Credit loss provision to net charge-offs | 111.6904% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.0932% | 2,967 |
| Efficiency ratio | 80.9816% | 2,027 |
| Assets per employee ($millions) | 0.9919% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 5,866 |
| Loan loss allowance to noncurrent loans | 30.0909% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 3.0938% | 1,297 |
| Noncurrent loans to loans | 3.2895% | 1,329 |
| Net loans and leases to total assets | 86.6959% | 125 |
| Net loans and leases to deposits | 104.9290% | 253 |
| Net loans and leases to core deposits | 114.0493% | 433 |
| Total domestic deposits to total assets | 82.6234% | 4,847 |
| Equity capital to assets | 9.8902% | 4,068 |
| Core capital (leverage) ratio | 10.1847% | 3,258 |
| Tier 1 risk-based capital ratio | 12.4571% | 5,534 |
| Total risk-based capital ratio | 13.5570% | 5,567 |
| Memoranda: | ||
| Average total assets | $147,085,000 | 3,818 |
| Average earning assets | $137,995,330 | 3,754 |
| Average equity | $14,323,330 | 4,090 |
| Average total loans | $123,790,000 | 2,992 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4407% | 2,383 |
| Cost of funding earning assets | 0.9319% | 839 |
| Net interest margin | 3.5088% | 3,658 |
| Noninterest income to average assets | 18.4570% | 42 |
| Noninterest expense to average assets | 17.9190% | 45 |
| Loan and lease loss provision to assets | 0.5740% | 446 |
| Net operating income to assets | 1.9908% | 346 |
| Return on assets (ROA) | 1.9855% | 378 |
| Pretax return on assets | 3.2444% | 129 |
| Return on Equity (ROE) | 20.5585% | 260 |
| Retained earnings to average equity (ytd only) | 20.5585% | 121 |
| Net charge-offs to loans | 0.5286% | 1,139 |
| Credit loss provision to net charge-offs | 131.8471% | 1,499 |
| Earnings coverage of net charge-offs (x) | 8.7898% | 1,911 |
| Efficiency ratio | 82.4024% | 1,979 |
| Assets per employee ($millions) | 0.9086% | 6,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 5,682 |
| Loan loss allowance to noncurrent loans | 20.7138% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 4.4043% | 852 |
| Noncurrent loans to loans | 5.2227% | 723 |
| Net loans and leases to total assets | 80.2581% | 404 |
| Net loans and leases to deposits | 113.6005% | 99 |
| Net loans and leases to core deposits | 117.3288% | 320 |
| Total domestic deposits to total assets | 70.6494% | 6,728 |
| Equity capital to assets | 9.6438% | 4,650 |
| Core capital (leverage) ratio | 10.5357% | 2,727 |
| Tier 1 risk-based capital ratio | 13.2759% | 5,032 |
| Total risk-based capital ratio | 14.4927% | 5,000 |
| Memoranda: | ||
| Average total assets | $144,249,000 | 3,908 |
| Average earning assets | $135,204,000 | 3,845 |
| Average equity | $13,931,000 | 4,212 |
| Average total loans | $118,806,000 | 3,109 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 2,504 |
| Cost of funding earning assets | 1.0667% | 1,041 |
| Net interest margin | 3.6560% | 3,850 |
| Noninterest income to average assets | 21.9361% | 36 |
| Noninterest expense to average assets | 20.3864% | 34 |
| Loan and lease loss provision to assets | 1.1331% | 320 |
| Net operating income to assets | 2.3255% | 198 |
| Return on assets (ROA) | 2.3241% | 218 |
| Pretax return on assets | 3.7977% | 85 |
| Return on Equity (ROE) | 25.9356% | 104 |
| Retained earnings to average equity (ytd only) | 25.9356% | 27 |
| Net charge-offs to loans | 1.3113% | 736 |
| Credit loss provision to net charge-offs | 102.3777% | 2,937 |
| Earnings coverage of net charge-offs (x) | 4.4572% | 3,361 |
| Efficiency ratio | 80.5167% | 2,083 |
| Assets per employee ($millions) | 0.7312% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 5,699 |
| Loan loss allowance to noncurrent loans | 23.6877% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 4.0237% | 1,062 |
| Noncurrent loans to loans | 4.4932% | 951 |
| Net loans and leases to total assets | 82.7647% | 283 |
| Net loans and leases to deposits | 116.9764% | 90 |
| Net loans and leases to core deposits | 128.7265% | 196 |
| Total domestic deposits to total assets | 70.7533% | 6,761 |
| Equity capital to assets | 9.6722% | 4,634 |
| Core capital (leverage) ratio | 10.3252% | 2,979 |
| Tier 1 risk-based capital ratio | 13.3837% | 4,828 |
| Total risk-based capital ratio | 14.6276% | 4,793 |
| Memoranda: | ||
| Average total assets | $133,000,200 | 4,082 |
| Average earning assets | $123,087,000 | 4,037 |
| Average equity | $11,918,000 | 4,584 |
| Average total loans | $112,253,600 | 3,248 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8695% | 2,123 |
| Cost of funding earning assets | 1.0899% | 1,101 |
| Net interest margin | 3.7796% | 3,423 |
| Noninterest income to average assets | 22.3694% | 36 |
| Noninterest expense to average assets | 20.2294% | 35 |
| Loan and lease loss provision to assets | 1.5859% | 194 |
| Net operating income to assets | 2.4784% | 182 |
| Return on assets (ROA) | 2.4765% | 199 |
| Pretax return on assets | 4.0410% | 79 |
| Return on Equity (ROE) | 28.2360% | 93 |
| Retained earnings to average equity (ytd only) | 28.2360% | 39 |
| Net charge-offs to loans | 1.7003% | 481 |
| Credit loss provision to net charge-offs | 110.2473% | 2,662 |
| Earnings coverage of net charge-offs (x) | 3.9138% | 3,456 |
| Efficiency ratio | 78.2286% | 2,367 |
| Assets per employee ($millions) | 0.7675% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 5,226 |
| Loan loss allowance to noncurrent loans | 24.9587% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 5.2929% | 818 |
| Noncurrent loans to loans | 4.8626% | 938 |
| Net loans and leases to total assets | 82.4187% | 312 |
| Net loans and leases to deposits | 105.0774% | 258 |
| Net loans and leases to core deposits | 122.3748% | 270 |
| Total domestic deposits to total assets | 78.4362% | 5,981 |
| Equity capital to assets | 9.6052% | 5,054 |
| Core capital (leverage) ratio | 9.8385% | 3,769 |
| Tier 1 risk-based capital ratio | 12.9871% | 5,263 |
| Total risk-based capital ratio | 14.1920% | 5,266 |
| Memoranda: | ||
| Average total assets | $131,152,250 | 4,151 |
| Average earning assets | $121,104,250 | 4,129 |
| Average equity | $11,502,750 | 4,717 |
| Average total loans | $110,955,750 | 3,308 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 2,472 |
| Cost of funding earning assets | 1.1102% | 1,176 |
| Net interest margin | 3.6984% | 3,828 |
| Noninterest income to average assets | 20.3984% | 39 |
| Noninterest expense to average assets | 19.1024% | 43 |
| Loan and lease loss provision to assets | 1.0946% | 393 |
| Net operating income to assets | 2.2136% | 279 |
| Return on assets (ROA) | 2.2106% | 317 |
| Pretax return on assets | 3.6126% | 99 |
| Return on Equity (ROE) | 26.0586% | 132 |
| Retained earnings to average equity (ytd only) | 26.0586% | 54 |
| Net charge-offs to loans | 1.3039% | 815 |
| Credit loss provision to net charge-offs | 98.7517% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.2510% | 3,137 |
| Efficiency ratio | 80.2143% | 2,137 |
| Assets per employee ($millions) | 0.8331% | 7,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 5,682 |
| Loan loss allowance to noncurrent loans | 30.6748% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 4.8770% | 990 |
| Noncurrent loans to loans | 3.6591% | 1,560 |
| Net loans and leases to total assets | 80.3049% | 476 |
| Net loans and leases to deposits | 99.5977% | 441 |
| Net loans and leases to core deposits | 119.2548% | 328 |
| Total domestic deposits to total assets | 80.6293% | 5,581 |
| Equity capital to assets | 8.9800% | 5,719 |
| Core capital (leverage) ratio | 9.4509% | 4,215 |
| Tier 1 risk-based capital ratio | 13.0911% | 5,120 |
| Total risk-based capital ratio | 14.3416% | 5,103 |
| Memoranda: | ||
| Average total assets | $130,098,670 | 4,207 |
| Average earning assets | $120,158,670 | 4,169 |
| Average equity | $11,036,670 | 4,800 |
| Average total loans | $110,588,000 | 3,320 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8584% | 2,407 |
| Cost of funding earning assets | 1.1361% | 1,233 |
| Net interest margin | 3.7223% | 3,722 |
| Noninterest income to average assets | 20.6975% | 35 |
| Noninterest expense to average assets | 19.3459% | 34 |
| Loan and lease loss provision to assets | 0.8598% | 528 |
| Net operating income to assets | 2.4093% | 203 |
| Return on assets (ROA) | 2.4093% | 248 |
| Pretax return on assets | 3.9372% | 92 |
| Return on Equity (ROE) | 29.2733% | 110 |
| Retained earnings to average equity (ytd only) | 29.2733% | 59 |
| Net charge-offs to loans | 0.8432% | 1,217 |
| Credit loss provision to net charge-offs | 117.2996% | 2,020 |
| Earnings coverage of net charge-offs (x) | 6.5443% | 2,189 |
| Efficiency ratio | 80.1307% | 2,184 |
| Assets per employee ($millions) | 0.7875% | 7,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 5,800 |
| Loan loss allowance to noncurrent loans | 21.7429% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 5.4789% | 897 |
| Noncurrent loans to loans | 5.2021% | 1,055 |
| Net loans and leases to total assets | 85.6427% | 133 |
| Net loans and leases to deposits | 97.1944% | 473 |
| Net loans and leases to core deposits | 134.1951% | 170 |
| Total domestic deposits to total assets | 88.1149% | 2,237 |
| Equity capital to assets | 8.6440% | 5,939 |
| Core capital (leverage) ratio | 8.6808% | 5,332 |
| Tier 1 risk-based capital ratio | 12.0788% | 5,907 |
| Total risk-based capital ratio | 13.1915% | 5,998 |
| Memoranda: | ||
| Average total assets | $129,329,500 | 4,251 |
| Average earning assets | $119,711,000 | 4,203 |
| Average equity | $10,644,500 | 4,898 |
| Average total loans | $112,426,500 | 3,305 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 3,843 |
| Cost of funding earning assets | 1.3221% | 1,381 |
| Net interest margin | 3.4711% | 5,248 |
| Noninterest income to average assets | 15.2935% | 40 |
| Noninterest expense to average assets | 16.4431% | 39 |
| Loan and lease loss provision to assets | 0.8397% | 1,157 |
| Net operating income to assets | 0.7493% | 3,261 |
| Return on assets (ROA) | 0.8861% | 2,795 |
| Pretax return on assets | 1.4219% | 1,711 |
| Return on Equity (ROE) | 10.7074% | 1,801 |
| Retained earnings to average equity (ytd only) | 10.7074% | 444 |
| Net charge-offs to loans | 0.5245% | 2,897 |
| Credit loss provision to net charge-offs | 196.9199% | 1,288 |
| Earnings coverage of net charge-offs (x) | 4.8029% | 2,974 |
| Efficiency ratio | 88.9247% | 1,278 |
| Assets per employee ($millions) | 0.7406% | 7,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 5,972 |
| Loan loss allowance to noncurrent loans | 21.0005% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 5.4776% | 940 |
| Noncurrent loans to loans | 5.0350% | 1,116 |
| Net loans and leases to total assets | 86.3075% | 122 |
| Net loans and leases to deposits | 117.9185% | 97 |
| Net loans and leases to core deposits | 143.8539% | 156 |
| Total domestic deposits to total assets | 73.1925% | 6,791 |
| Equity capital to assets | 7.8281% | 6,671 |
| Core capital (leverage) ratio | 8.4814% | 5,590 |
| Tier 1 risk-based capital ratio | 11.9727% | 5,857 |
| Total risk-based capital ratio | 13.2075% | 5,835 |
| Memoranda: | ||
| Average total assets | $114,212,200 | 4,547 |
| Average earning assets | $105,212,400 | 4,517 |
| Average equity | $9,451,400 | 5,167 |
| Average total loans | $92,843,000 | 3,792 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 3,524 |
| Cost of funding earning assets | 1.3985% | 1,240 |
| Net interest margin | 3.5081% | 5,154 |
| Noninterest income to average assets | 14.0002% | 45 |
| Noninterest expense to average assets | 15.3154% | 42 |
| Loan and lease loss provision to assets | 0.9843% | 883 |
| Net operating income to assets | 0.2378% | 5,596 |
| Return on assets (ROA) | 0.3006% | 5,567 |
| Pretax return on assets | 1.0279% | 3,298 |
| Return on Equity (ROE) | 3.5751% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.5751% | 4,198 |
| Net charge-offs to loans | 0.4359% | 2,978 |
| Credit loss provision to net charge-offs | 283.9161% | 1,008 |
| Earnings coverage of net charge-offs (x) | 5.5210% | 2,763 |
| Efficiency ratio | 88.8912% | 1,256 |
| Assets per employee ($millions) | 0.6877% | 7,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 5,035 |
| Loan loss allowance to noncurrent loans | 24.0571% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 5.4130% | 1,035 |
| Noncurrent loans to loans | 5.3801% | 1,112 |
| Net loans and leases to total assets | 82.8764% | 303 |
| Net loans and leases to deposits | 103.5421% | 329 |
| Net loans and leases to core deposits | 121.9305% | 341 |
| Total domestic deposits to total assets | 80.0413% | 5,722 |
| Equity capital to assets | 8.2722% | 6,510 |
| Core capital (leverage) ratio | 8.9552% | 5,006 |
| Tier 1 risk-based capital ratio | 11.7124% | 6,097 |
| Total risk-based capital ratio | 12.9661% | 6,091 |
| Memoranda: | ||
| Average total assets | $109,995,500 | 4,674 |
| Average earning assets | $101,248,000 | 4,636 |
| Average equity | $9,249,000 | 5,245 |
| Average total loans | $87,468,750 | 3,956 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 4,070 |
| Cost of funding earning assets | 1.4635% | 1,153 |
| Net interest margin | 3.3449% | 5,726 |
| Noninterest income to average assets | 11.8476% | 58 |
| Noninterest expense to average assets | 14.7645% | 48 |
| Loan and lease loss provision to assets | 0.3354% | 2,774 |
| Net operating income to assets | -0.1179% | 6,371 |
| Return on assets (ROA) | 0.0315% | 6,244 |
| Pretax return on assets | 0.0482% | 6,189 |
| Return on Equity (ROE) | 0.3725% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.3725% | 5,695 |
| Net charge-offs to loans | 0.1641% | 4,190 |
| Credit loss provision to net charge-offs | 262.3188% | 1,160 |
| Earnings coverage of net charge-offs (x) | 1.2029% | 4,380 |
| Efficiency ratio | 98.9689% | 752 |
| Assets per employee ($millions) | 0.5227% | 7,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 6,240 |
| Loan loss allowance to noncurrent loans | 17.7652% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 5.7440% | 1,006 |
| Noncurrent loans to loans | 5.7564% | 1,064 |
| Net loans and leases to total assets | 78.9939% | 648 |
| Net loans and leases to deposits | 87.3351% | 1,603 |
| Net loans and leases to core deposits | 103.1677% | 1,107 |
| Total domestic deposits to total assets | 90.4491% | 736 |
| Equity capital to assets | 8.9529% | 5,647 |
| Core capital (leverage) ratio | 8.4099% | 5,692 |
| Tier 1 risk-based capital ratio | 13.0992% | 4,838 |
| Total risk-based capital ratio | 14.3424% | 4,827 |
| Memoranda: | ||
| Average total assets | $107,920,670 | 4,761 |
| Average earning assets | $99,076,330 | 4,729 |
| Average equity | $9,127,330 | 5,290 |
| Average total loans | $84,097,670 | 4,089 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 2,994 |
| Cost of funding earning assets | 1.4709% | 1,292 |
| Net interest margin | 3.5523% | 4,803 |
| Noninterest income to average assets | 11.4717% | 62 |
| Noninterest expense to average assets | 15.0796% | 50 |
| Loan and lease loss provision to assets | 0.3531% | 2,435 |
| Net operating income to assets | -0.7354% | 6,929 |
| Return on assets (ROA) | -0.6662% | 6,905 |
| Pretax return on assets | -0.6298% | 6,831 |
| Return on Equity (ROE) | -8.1023% | 6,964 |
| Retained earnings to average equity (ytd only) | -8.1023% | 6,761 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3474% | 658 |
| Assets per employee ($millions) | 0.4224% | 7,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 6,148 |
| Loan loss allowance to noncurrent loans | 18.1541% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 5.0374% | 1,247 |
| Noncurrent loans to loans | 5.9105% | 1,081 |
| Net loans and leases to total assets | 70.2839% | 2,074 |
| Net loans and leases to deposits | 77.2272% | 3,210 |
| Net loans and leases to core deposits | 89.2899% | 2,441 |
| Total domestic deposits to total assets | 91.0093% | 625 |
| Equity capital to assets | 8.1708% | 6,317 |
| Core capital (leverage) ratio | 7.7053% | 6,555 |
| Tier 1 risk-based capital ratio | 12.5939% | 5,175 |
| Total risk-based capital ratio | 13.8217% | 5,172 |
| Memoranda: | ||
| Average total assets | $109,870,000 | 4,737 |
| Average earning assets | $100,893,000 | 4,713 |
| Average equity | $9,034,500 | 5,317 |
| Average total loans | $84,636,500 | 4,120 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2126% | 3,542 |
| Cost of funding earning assets | 1.4328% | 3,058 |
| Net interest margin | 3.7798% | 4,030 |
| Noninterest income to average assets | 12.0856% | 55 |
| Noninterest expense to average assets | 13.0594% | 60 |
| Loan and lease loss provision to assets | 0.6676% | 2,475 |
| Net operating income to assets | 1.1534% | 1,535 |
| Return on assets (ROA) | 1.1980% | 1,499 |
| Pretax return on assets | 1.8994% | 611 |
| Return on Equity (ROE) | 13.4322% | 997 |
| Retained earnings to average equity (ytd only) | 13.4322% | 189 |
| Net charge-offs to loans | 0.3369% | 4,327 |
| Credit loss provision to net charge-offs | 251.7375% | 1,122 |
| Earnings coverage of net charge-offs (x) | 9.4170% | 1,824 |
| Efficiency ratio | 83.9466% | 1,924 |
| Assets per employee ($millions) | 1.1034% | 7,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 6,958 |
| Loan loss allowance to noncurrent loans | 19.9135% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 4.1853% | 1,604 |
| Noncurrent loans to loans | 4.0427% | 1,791 |
| Net loans and leases to total assets | 82.3017% | 426 |
| Net loans and leases to deposits | 107.7199% | 276 |
| Net loans and leases to core deposits | 120.1047% | 528 |
| Total domestic deposits to total assets | 76.4034% | 6,583 |
| Equity capital to assets | 8.2746% | 6,174 |
| Core capital (leverage) ratio | 7.7245% | 6,522 |
| Tier 1 risk-based capital ratio | 11.4940% | 5,919 |
| Total risk-based capital ratio | 12.4822% | 6,138 |
| Memoranda: | ||
| Average total assets | $97,661,800 | 5,057 |
| Average earning assets | $89,686,600 | 5,026 |
| Average equity | $8,710,400 | 5,499 |
| Average total loans | $76,882,000 | 4,424 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2508% | 3,573 |
| Cost of funding earning assets | 1.4387% | 3,343 |
| Net interest margin | 3.8121% | 3,924 |
| Noninterest income to average assets | 9.6188% | 65 |
| Noninterest expense to average assets | 10.1564% | 76 |
| Loan and lease loss provision to assets | 0.7309% | 2,094 |
| Net operating income to assets | 1.8919% | 414 |
| Return on assets (ROA) | 1.9500% | 406 |
| Pretax return on assets | 2.3112% | 326 |
| Return on Equity (ROE) | 21.4121% | 226 |
| Retained earnings to average equity (ytd only) | 21.4121% | 63 |
| Net charge-offs to loans | 0.4516% | 3,494 |
| Credit loss provision to net charge-offs | 208.8710% | 1,689 |
| Earnings coverage of net charge-offs (x) | 8.4959% | 2,153 |
| Efficiency ratio | 77.3563% | 2,711 |
| Assets per employee ($millions) | 2.2892% | 7,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 7,234 |
| Loan loss allowance to noncurrent loans | 14.8130% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 5.1454% | 1,238 |
| Noncurrent loans to loans | 4.5738% | 1,569 |
| Net loans and leases to total assets | 83.6594% | 354 |
| Net loans and leases to deposits | 112.9218% | 205 |
| Net loans and leases to core deposits | 121.8987% | 559 |
| Total domestic deposits to total assets | 74.0861% | 6,913 |
| Equity capital to assets | 9.0472% | 5,513 |
| Core capital (leverage) ratio | 8.6154% | 5,320 |
| Tier 1 risk-based capital ratio | 12.0272% | 5,435 |
| Total risk-based capital ratio | 12.8389% | 5,835 |
| Memoranda: | ||
| Average total assets | $94,492,750 | 5,209 |
| Average earning assets | $87,020,000 | 5,175 |
| Average equity | $8,605,500 | 5,602 |
| Average total loans | $73,215,750 | 4,631 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2659% | 3,619 |
| Cost of funding earning assets | 1.4386% | 3,621 |
| Net interest margin | 3.8274% | 3,778 |
| Noninterest income to average assets | 6.4886% | 108 |
| Noninterest expense to average assets | 8.4215% | 106 |
| Loan and lease loss provision to assets | 0.5881% | 2,428 |
| Net operating income to assets | 0.9074% | 2,529 |
| Return on assets (ROA) | 1.0053% | 2,253 |
| Pretax return on assets | 1.1184% | 2,718 |
| Return on Equity (ROE) | 11.0094% | 1,753 |
| Retained earnings to average equity (ytd only) | 11.0094% | 657 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0532% | 1,915 |
| Assets per employee ($millions) | 2.7717% | 6,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 7,049 |
| Loan loss allowance to noncurrent loans | 27.9358% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 3.6503% | 1,918 |
| Noncurrent loans to loans | 2.8413% | 2,816 |
| Net loans and leases to total assets | 80.7710% | 697 |
| Net loans and leases to deposits | 101.4163% | 628 |
| Net loans and leases to core deposits | 106.3488% | 1,408 |
| Total domestic deposits to total assets | 79.6430% | 5,840 |
| Equity capital to assets | 9.3487% | 4,932 |
| Core capital (leverage) ratio | 9.1809% | 4,329 |
| Tier 1 risk-based capital ratio | 13.3513% | 4,170 |
| Total risk-based capital ratio | 14.3442% | 4,320 |
| Memoranda: | ||
| Average total assets | $90,126,670 | 5,384 |
| Average earning assets | $83,138,000 | 5,329 |
| Average equity | $8,229,330 | 5,721 |
| Average total loans | $67,413,000 | 4,883 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1097% | 4,483 |
| Cost of funding earning assets | 1.5820% | 3,067 |
| Net interest margin | 3.5277% | 5,045 |
| Noninterest income to average assets | 5.6500% | 125 |
| Noninterest expense to average assets | 7.8346% | 125 |
| Loan and lease loss provision to assets | 0.7312% | 1,742 |
| Net operating income to assets | 0.3997% | 4,841 |
| Return on assets (ROA) | 0.3997% | 4,983 |
| Pretax return on assets | 0.3452% | 5,475 |
| Return on Equity (ROE) | 4.4338% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.4338% | 3,493 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9205% | 1,595 |
| Assets per employee ($millions) | 2.6045% | 7,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8172% | 7,085 |
| Loan loss allowance to noncurrent loans | 17.9843% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 4.1320% | 1,656 |
| Noncurrent loans to loans | 4.5440% | 1,638 |
| Net loans and leases to total assets | 69.2147% | 3,107 |
| Net loans and leases to deposits | 81.1941% | 3,430 |
| Net loans and leases to core deposits | 84.8682% | 4,075 |
| Total domestic deposits to total assets | 85.2460% | 3,539 |
| Equity capital to assets | 8.7361% | 5,677 |
| Core capital (leverage) ratio | 7.9606% | 6,293 |
| Tier 1 risk-based capital ratio | 12.8043% | 4,475 |
| Total risk-based capital ratio | 13.7198% | 4,727 |
| Memoranda: | ||
| Average total assets | $88,071,000 | 5,513 |
| Average earning assets | $81,413,500 | 5,461 |
| Average equity | $7,939,000 | 5,870 |
| Average total loans | $62,756,500 | 5,143 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 6,887 |
| Cost of funding earning assets | 2.2479% | 1,845 |
| Net interest margin | 2.5805% | 7,348 |
| Noninterest income to average assets | 1.6107% | 557 |
| Noninterest expense to average assets | 8.8258% | 115 |
| Loan and lease loss provision to assets | 0.3172% | 4,915 |
| Net operating income to assets | -5.1472% | 7,761 |
| Return on assets (ROA) | -5.0798% | 7,750 |
| Pretax return on assets | -5.1107% | 7,719 |
| Return on Equity (ROE) | -62.7701% | 7,771 |
| Retained earnings to average equity (ytd only) | -62.7701% | 7,768 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.7525% | 268 |
| Assets per employee ($millions) | 2.5026% | 7,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5399% | 7,631 |
| Loan loss allowance to noncurrent loans | 20.0583% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 2.9353% | 2,386 |
| Noncurrent loans to loans | 2.6916% | 2,859 |
| Net loans and leases to total assets | 72.3519% | 2,669 |
| Net loans and leases to deposits | 107.1196% | 497 |
| Net loans and leases to core deposits | 143.0283% | 708 |
| Total domestic deposits to total assets | 67.5431% | 7,578 |
| Equity capital to assets | 9.2956% | 4,703 |
| Core capital (leverage) ratio | 11.5865% | 1,874 |
| Tier 1 risk-based capital ratio | 12.3904% | 4,604 |
| Total risk-based capital ratio | 12.9481% | 5,159 |
| Memoranda: | ||
| Average total assets | $64,628,800 | 6,178 |
| Average earning assets | $58,942,600 | 6,167 |
| Average equity | $5,230,200 | 6,860 |
| Average total loans | $38,751,400 | 6,166 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 6,581 |
| Cost of funding earning assets | 2.3670% | 1,751 |
| Net interest margin | 2.6414% | 7,304 |
| Noninterest income to average assets | 1.2724% | 951 |
| Noninterest expense to average assets | 2.9071% | 4,424 |
| Loan and lease loss provision to assets | 0.2989% | 4,576 |
| Net operating income to assets | 0.3849% | 4,454 |
| Return on assets (ROA) | 0.3849% | 4,561 |
| Pretax return on assets | 0.4641% | 4,629 |
| Return on Equity (ROE) | 5.0344% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.0344% | 2,471 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2104% | 2,964 |
| Assets per employee ($millions) | 2.8953% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0089% | 8,020 |
| Loan loss allowance to noncurrent loans | 0.1901% | 7,526 |
| Noncurrent assets plus other real estate owned to assets | 3.9982% | 1,600 |
| Noncurrent loans to loans | 4.6960% | 1,461 |
| Net loans and leases to total assets | 55.2613% | 6,234 |
| Net loans and leases to deposits | 63.6448% | 6,525 |
| Net loans and leases to core deposits | 81.6763% | 6,217 |
| Total domestic deposits to total assets | 86.8277% | 2,270 |
| Equity capital to assets | 12.3039% | 2,062 |
| Core capital (leverage) ratio | 11.0592% | 2,366 |
| Tier 1 risk-based capital ratio | 20.7810% | 1,400 |
| Total risk-based capital ratio | 20.7903% | 1,597 |
| Memoranda: | ||
| Average total assets | $58,888,500 | 6,428 |
| Average earning assets | $53,454,750 | 6,448 |
| Average equity | $4,502,250 | 7,177 |
| Average total loans | $32,510,000 | 6,536 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6588% | 587 |
| Cost of funding earning assets | 2.7998% | 792 |
| Net interest margin | 3.8591% | 3,294 |
| Noninterest income to average assets | 0.4429% | 4,910 |
| Noninterest expense to average assets | 2.6163% | 5,675 |
| Loan and lease loss provision to assets | 0.4360% | 3,370 |
| Net operating income to assets | 0.7416% | 3,084 |
| Return on assets (ROA) | 0.7416% | 3,187 |
| Pretax return on assets | 0.9305% | 3,240 |
| Return on Equity (ROE) | 12.3100% | 1,331 |
| Retained earnings to average equity (ytd only) | 12.3100% | 399 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6897% | 5,601 |
| Assets per employee ($millions) | 6.5173% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,951 |
| Loan loss allowance to noncurrent loans | 27.6795% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 2.7363% | 2,351 |
| Noncurrent loans to loans | 3.0949% | 2,312 |
| Net loans and leases to total assets | 52.4840% | 6,624 |
| Net loans and leases to deposits | 56.4645% | 7,131 |
| Net loans and leases to core deposits | 73.0593% | 6,838 |
| Total domestic deposits to total assets | 92.9504% | 103 |
| Equity capital to assets | 6.6660% | 7,762 |
| Core capital (leverage) ratio | 6.6137% | 7,736 |
| Tier 1 risk-based capital ratio | 13.7534% | 3,653 |
| Total risk-based capital ratio | 14.6992% | 3,788 |
| Memoranda: | ||
| Average total assets | $58,250,670 | 6,506 |
| Average earning assets | $53,432,670 | 6,495 |
| Average equity | $3,509,330 | 7,570 |
| Average total loans | $32,145,670 | 6,607 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2884% | 1,331 |
| Cost of funding earning assets | 2.9116% | 746 |
| Net interest margin | 3.3768% | 5,227 |
| Noninterest income to average assets | 0.4410% | 4,866 |
| Noninterest expense to average assets | 2.8046% | 4,541 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6753% | 3,684 |
| Return on assets (ROA) | 0.6753% | 3,865 |
| Pretax return on assets | 0.7373% | 4,296 |
| Return on Equity (ROE) | 11.8465% | 1,714 |
| Retained earnings to average equity (ytd only) | 11.8465% | 821 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1829% | 2,969 |
| Assets per employee ($millions) | 6.4939% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4364% | 7,910 |
| Loan loss allowance to noncurrent loans | 17.5949% | 7,284 |
| Noncurrent assets plus other real estate owned to assets | 2.4621% | 2,326 |
| Noncurrent loans to loans | 2.4805% | 2,652 |
| Net loans and leases to total assets | 54.2544% | 6,439 |
| Net loans and leases to deposits | 57.7988% | 7,050 |
| Net loans and leases to core deposits | 75.0740% | 6,741 |
| Total domestic deposits to total assets | 93.8677% | 44 |
| Equity capital to assets | 5.7661% | 8,034 |
| Core capital (leverage) ratio | 5.6612% | 8,060 |
| Tier 1 risk-based capital ratio | 11.6870% | 5,219 |
| Total risk-based capital ratio | 12.1791% | 5,875 |
| Memoranda: | ||
| Average total assets | $58,048,000 | 6,545 |
| Average earning assets | $53,304,500 | 6,532 |
| Average equity | $3,309,000 | 7,683 |
| Average total loans | $32,693,000 | 6,603 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5176% | 7,259 |
| Cost of funding earning assets | 3.4150% | 682 |
| Net interest margin | 2.1027% | 8,014 |
| Noninterest income to average assets | 0.4276% | 5,232 |
| Noninterest expense to average assets | 2.3458% | 6,577 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0211% | 6,311 |
| Return on assets (ROA) | -0.9885% | 7,161 |
| Pretax return on assets | -1.3815% | 7,202 |
| Return on Equity (ROE) | -17.2852% | 7,676 |
| Retained earnings to average equity (ytd only) | -17.2852% | 7,582 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1222% | 1,016 |
| Assets per employee ($millions) | 6.4057% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4145% | 7,960 |
| Loan loss allowance to noncurrent loans | 19.3324% | 7,264 |
| Noncurrent assets plus other real estate owned to assets | 2.3937% | 2,028 |
| Noncurrent loans to loans | 2.1438% | 2,575 |
| Net loans and leases to total assets | 57.9331% | 6,205 |
| Net loans and leases to deposits | 61.6400% | 6,976 |
| Net loans and leases to core deposits | 79.0696% | 6,688 |
| Total domestic deposits to total assets | 93.9862% | 32 |
| Equity capital to assets | 5.6339% | 8,117 |
| Core capital (leverage) ratio | 5.5647% | 8,151 |
| Tier 1 risk-based capital ratio | 11.3698% | 5,363 |
| Total risk-based capital ratio | 11.8633% | 5,986 |
| Memoranda: | ||
| Average total assets | $57,763,600 | 6,461 |
| Average earning assets | $53,265,600 | 6,451 |
| Average equity | $3,303,400 | 7,743 |
| Average total loans | $31,627,600 | 6,622 |