Home > AmeriFirst Bank > Performance and Condition Ratios
AmeriFirst Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1877% | 1,693 |
| Cost of funding earning assets | 1.0675% | 3,151 |
| Net interest margin | 4.1202% | 1,051 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.7908% | 1,527 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.0219% | 2,148 |
| Return on assets (ROA) | 1.0254% | 2,119 |
| Pretax return on assets | 1.3043% | 1,862 |
| Return on Equity (ROE) | 11.1500% | 2,185 |
| Retained earnings to average equity (ytd only) | 11.1534% | 760 |
| Net charge-offs to loans | 0.0076% | 2,392 |
| Credit loss provision to net charge-offs | 1,211.1111% | 346 |
| Earnings coverage of net charge-offs (x) | 236.3889% | 520 |
| Efficiency ratio | 65.2171% | 2,454 |
| Assets per employee ($millions) | 6.3642% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 2,823 |
| Loan loss allowance to noncurrent loans | 384.8355% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 2,126 |
| Noncurrent loans to loans | 0.2865% | 2,152 |
| Net loans and leases to total assets | 75.8300% | 1,141 |
| Net loans and leases to deposits | 85.0455% | 1,687 |
| Net loans and leases to core deposits | 100.3527% | 1,415 |
| Total domestic deposits to total assets | 89.1600% | 1,015 |
| Equity capital to assets | 9.5223% | 2,332 |
| Core capital (leverage) ratio | 9.8276% | 2,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4364% | 2,088 |
| Memoranda: | ||
| Average total assets | $310,597,200 | 2,374 |
| Average earning assets | $283,650,800 | 2,393 |
| Average equity | $28,556,200 | 2,340 |
| Average total loans | $236,435,000 | 2,074 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 1,689 |
| Cost of funding earning assets | 0.9507% | 3,152 |
| Net interest margin | 4.1211% | 1,035 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.8377% | 1,352 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9778% | 2,428 |
| Return on assets (ROA) | 0.9826% | 2,409 |
| Pretax return on assets | 1.2543% | 2,161 |
| Return on Equity (ROE) | 10.7900% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.7868% | 1,195 |
| Net charge-offs to loans | 0.0074% | 2,151 |
| Credit loss provision to net charge-offs | 1,446.1538% | 315 |
| Earnings coverage of net charge-offs (x) | 236.7692% | 533 |
| Efficiency ratio | 66.2313% | 2,244 |
| Assets per employee ($millions) | 6.6150% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,019 |
| Loan loss allowance to noncurrent loans | 359.2068% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2271% | 2,121 |
| Noncurrent loans to loans | 0.2978% | 2,169 |
| Net loans and leases to total assets | 75.4300% | 1,186 |
| Net loans and leases to deposits | 84.2886% | 1,715 |
| Net loans and leases to core deposits | 98.9674% | 1,384 |
| Total domestic deposits to total assets | 89.4900% | 1,075 |
| Equity capital to assets | 9.2294% | 2,273 |
| Core capital (leverage) ratio | 9.7860% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3253% | 2,148 |
| Memoranda: | ||
| Average total assets | $308,693,750 | 2,389 |
| Average earning assets | $281,343,250 | 2,407 |
| Average equity | $28,120,000 | 2,345 |
| Average total loans | $234,547,000 | 2,084 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 1,696 |
| Cost of funding earning assets | 0.7874% | 3,244 |
| Net interest margin | 4.1387% | 1,024 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.8894% | 1,231 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.9267% | 2,662 |
| Return on assets (ROA) | 0.9339% | 2,622 |
| Pretax return on assets | 1.1800% | 2,415 |
| Return on Equity (ROE) | 10.3000% | 2,626 |
| Retained earnings to average equity (ytd only) | 10.2978% | 1,334 |
| Net charge-offs to loans | -0.0060% | 3,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.7783% | 2,006 |
| Assets per employee ($millions) | 5.9932% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,127 |
| Loan loss allowance to noncurrent loans | 235.2444% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 1,550 |
| Noncurrent loans to loans | 0.4516% | 1,584 |
| Net loans and leases to total assets | 74.7900% | 1,195 |
| Net loans and leases to deposits | 85.2615% | 1,569 |
| Net loans and leases to core deposits | 96.9814% | 1,416 |
| Total domestic deposits to total assets | 87.7200% | 1,700 |
| Equity capital to assets | 9.2004% | 2,375 |
| Core capital (leverage) ratio | 9.4840% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9331% | 2,319 |
| Memoranda: | ||
| Average total assets | $307,956,000 | 2,393 |
| Average earning assets | $279,892,667 | 2,422 |
| Average equity | $27,928,333 | 2,361 |
| Average total loans | $233,711,667 | 2,081 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8111% | 1,599 |
| Cost of funding earning assets | 0.5683% | 3,482 |
| Net interest margin | 4.2428% | 883 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.9976% | 1,065 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.9238% | 2,775 |
| Return on assets (ROA) | 0.9382% | 2,678 |
| Pretax return on assets | 1.1904% | 2,448 |
| Return on Equity (ROE) | 10.4200% | 2,661 |
| Retained earnings to average equity (ytd only) | 10.4224% | 1,598 |
| Net charge-offs to loans | 0.0017% | 1,983 |
| Credit loss provision to net charge-offs | 7,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 972.0000% | 108 |
| Efficiency ratio | 68.4017% | 1,930 |
| Assets per employee ($millions) | 5.8095% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,381 |
| Loan loss allowance to noncurrent loans | 177.2198% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 1,145 |
| Noncurrent loans to loans | 0.5819% | 1,276 |
| Net loans and leases to total assets | 75.8900% | 984 |
| Net loans and leases to deposits | 86.4583% | 1,319 |
| Net loans and leases to core deposits | 96.3262% | 1,264 |
| Total domestic deposits to total assets | 87.7800% | 1,994 |
| Equity capital to assets | 9.1301% | 2,422 |
| Core capital (leverage) ratio | 9.4053% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5409% | 2,561 |
| Memoranda: | ||
| Average total assets | $306,110,000 | 2,432 |
| Average earning assets | $279,439,000 | 2,452 |
| Average equity | $27,556,000 | 2,419 |
| Average total loans | $232,772,500 | 2,105 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 1,542 |
| Cost of funding earning assets | 0.2481% | 3,337 |
| Net interest margin | 3.8220% | 1,114 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.8957% | 1,130 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.6663% | 3,717 |
| Return on assets (ROA) | 0.6449% | 3,723 |
| Pretax return on assets | 0.8472% | 3,492 |
| Return on Equity (ROE) | 7.5200% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.5168% | 2,021 |
| Net charge-offs to loans | 0.1107% | 679 |
| Credit loss provision to net charge-offs | 89.0756% | 1,638 |
| Earnings coverage of net charge-offs (x) | 12.4412% | 2,110 |
| Efficiency ratio | 73.4731% | 1,271 |
| Assets per employee ($millions) | 5.6355% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,265 |
| Loan loss allowance to noncurrent loans | 200.6009% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 1,336 |
| Noncurrent loans to loans | 0.5078% | 1,433 |
| Net loans and leases to total assets | 74.6300% | 1,164 |
| Net loans and leases to deposits | 82.9149% | 1,543 |
| Net loans and leases to core deposits | 90.0120% | 1,505 |
| Total domestic deposits to total assets | 90.0000% | 1,363 |
| Equity capital to assets | 8.8723% | 2,440 |
| Core capital (leverage) ratio | 8.9791% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3094% | 2,645 |
| Memoranda: | ||
| Average total assets | $314,461,800 | 2,380 |
| Average earning assets | $285,345,200 | 2,416 |
| Average equity | $26,979,600 | 2,480 |
| Average total loans | $214,902,400 | 2,135 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8271% | 1,669 |
| Cost of funding earning assets | 0.2003% | 3,267 |
| Net interest margin | 3.6267% | 1,327 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.8828% | 1,091 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.5552% | 3,955 |
| Return on assets (ROA) | 0.5253% | 3,965 |
| Pretax return on assets | 0.6885% | 3,824 |
| Return on Equity (ROE) | 6.1700% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.1736% | 2,693 |
| Net charge-offs to loans | 0.0019% | 2,222 |
| Credit loss provision to net charge-offs | 4,233.3333% | 130 |
| Earnings coverage of net charge-offs (x) | 618.0000% | 258 |
| Efficiency ratio | 76.6422% | 1,027 |
| Assets per employee ($millions) | 5.7994% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 2,977 |
| Loan loss allowance to noncurrent loans | 205.3719% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 1,323 |
| Noncurrent loans to loans | 0.5394% | 1,459 |
| Net loans and leases to total assets | 70.8400% | 1,407 |
| Net loans and leases to deposits | 77.8548% | 1,725 |
| Net loans and leases to core deposits | 82.1845% | 1,753 |
| Total domestic deposits to total assets | 90.9900% | 1,247 |
| Equity capital to assets | 8.2346% | 2,724 |
| Core capital (leverage) ratio | 8.3327% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0966% | 2,789 |
| Memoranda: | ||
| Average total assets | $316,998,000 | 2,384 |
| Average earning assets | $287,524,750 | 2,418 |
| Average equity | $26,974,500 | 2,518 |
| Average total loans | $211,267,750 | 2,160 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 1,964 |
| Cost of funding earning assets | 0.1900% | 3,051 |
| Net interest margin | 3.3687% | 1,691 |
| Noninterest income to average assets | 0.3739% | 2,906 |
| Noninterest expense to average assets | 2.8654% | 1,043 |
| Loan and lease loss provision to assets | 0.0515% | 1,658 |
| Net operating income to assets | 0.4018% | 4,103 |
| Return on assets (ROA) | 0.3745% | 4,117 |
| Pretax return on assets | 0.4857% | 4,023 |
| Return on Equity (ROE) | 4.3551% | 3,948 |
| Retained earnings to average equity (ytd only) | 4.3551% | 2,947 |
| Net charge-offs to loans | -0.0010% | 3,036 |
| Credit loss provision to net charge-offs | -8,200.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1700% | 861 |
| Assets per employee ($millions) | 5.8641% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 2,994 |
| Loan loss allowance to noncurrent loans | 181.3798% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 1,337 |
| Noncurrent loans to loans | 0.6277% | 1,351 |
| Net loans and leases to total assets | 67.0475% | 1,577 |
| Net loans and leases to deposits | 73.8027% | 1,890 |
| Net loans and leases to core deposits | 78.2509% | 1,842 |
| Total domestic deposits to total assets | 90.8469% | 1,308 |
| Equity capital to assets | 8.3566% | 2,866 |
| Core capital (leverage) ratio | 8.3524% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3650% | 2,713 |
| Memoranda: | ||
| Average total assets | $318,275,667 | 2,391 |
| Average earning assets | $289,428,000 | 2,434 |
| Average equity | $27,370,000 | 2,561 |
| Average total loans | $206,914,000 | 2,185 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 2,085 |
| Cost of funding earning assets | 0.2077% | 2,694 |
| Net interest margin | 3.1915% | 1,911 |
| Noninterest income to average assets | 0.3523% | 2,989 |
| Noninterest expense to average assets | 2.8820% | 991 |
| Loan and lease loss provision to assets | 0.0464% | 1,532 |
| Net operating income to assets | 0.2344% | 4,273 |
| Return on assets (ROA) | 0.2043% | 4,291 |
| Pretax return on assets | 0.2570% | 4,257 |
| Return on Equity (ROE) | 2.3433% | 4,204 |
| Retained earnings to average equity (ytd only) | 2.3433% | 3,449 |
| Net charge-offs to loans | -0.0020% | 3,108 |
| Credit loss provision to net charge-offs | -3,700.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0867% | 676 |
| Assets per employee ($millions) | 5.9469% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,959 |
| Loan loss allowance to noncurrent loans | 213.1439% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 1,704 |
| Noncurrent loans to loans | 0.5537% | 1,657 |
| Net loans and leases to total assets | 62.5832% | 1,788 |
| Net loans and leases to deposits | 68.8902% | 2,059 |
| Net loans and leases to core deposits | 73.3037% | 1,993 |
| Total domestic deposits to total assets | 90.8449% | 1,111 |
| Equity capital to assets | 8.4460% | 3,209 |
| Core capital (leverage) ratio | 8.0572% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5339% | 2,763 |
| Memoranda: | ||
| Average total assets | $319,084,000 | 2,400 |
| Average earning assets | $287,009,500 | 2,465 |
| Average equity | $27,824,000 | 2,614 |
| Average total loans | $202,992,500 | 2,205 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 2,030 |
| Cost of funding earning assets | 0.2830% | 2,571 |
| Net interest margin | 3.4473% | 1,887 |
| Noninterest income to average assets | 0.3609% | 3,273 |
| Noninterest expense to average assets | 2.8358% | 1,277 |
| Loan and lease loss provision to assets | 0.0598% | 1,861 |
| Net operating income to assets | 0.4913% | 4,113 |
| Return on assets (ROA) | 0.4939% | 4,146 |
| Pretax return on assets | 0.6359% | 4,055 |
| Return on Equity (ROE) | 5.6367% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.6367% | 2,505 |
| Net charge-offs to loans | -0.0261% | 4,074 |
| Credit loss provision to net charge-offs | -366.0000% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1522% | 934 |
| Assets per employee ($millions) | 5.9818% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,046 |
| Loan loss allowance to noncurrent loans | 201.0213% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 1,738 |
| Noncurrent loans to loans | 0.5799% | 1,686 |
| Net loans and leases to total assets | 63.1626% | 1,797 |
| Net loans and leases to deposits | 71.2268% | 1,988 |
| Net loans and leases to core deposits | 76.3468% | 1,890 |
| Total domestic deposits to total assets | 88.6782% | 1,681 |
| Equity capital to assets | 8.9975% | 3,622 |
| Core capital (leverage) ratio | 8.0867% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5650% | 2,760 |
| Memoranda: | ||
| Average total assets | $306,156,200 | 2,408 |
| Average earning assets | $281,294,000 | 2,430 |
| Average equity | $26,824,200 | 2,737 |
| Average total loans | $191,320,000 | 2,299 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 2,013 |
| Cost of funding earning assets | 0.2866% | 2,731 |
| Net interest margin | 3.5123% | 1,832 |
| Noninterest income to average assets | 0.3616% | 3,287 |
| Noninterest expense to average assets | 2.8398% | 1,248 |
| Loan and lease loss provision to assets | 0.0564% | 1,853 |
| Net operating income to assets | 0.5473% | 4,103 |
| Return on assets (ROA) | 0.5532% | 4,137 |
| Pretax return on assets | 0.7145% | 4,047 |
| Return on Equity (ROE) | 6.3587% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.3587% | 2,670 |
| Net charge-offs to loans | -0.0340% | 4,189 |
| Credit loss provision to net charge-offs | -266.6667% | 3,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6220% | 991 |
| Assets per employee ($millions) | 5.6624% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 3,202 |
| Loan loss allowance to noncurrent loans | 123.4601% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 1,272 |
| Noncurrent loans to loans | 0.9325% | 1,228 |
| Net loans and leases to total assets | 63.5487% | 1,827 |
| Net loans and leases to deposits | 71.4251% | 2,113 |
| Net loans and leases to core deposits | 76.8739% | 1,971 |
| Total domestic deposits to total assets | 88.9726% | 1,292 |
| Equity capital to assets | 8.6706% | 4,089 |
| Core capital (leverage) ratio | 7.6697% | 4,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8912% | 2,987 |
| Memoranda: | ||
| Average total assets | $303,436,750 | 2,446 |
| Average earning assets | $280,034,750 | 2,449 |
| Average equity | $26,399,000 | 2,794 |
| Average total loans | $188,497,750 | 2,350 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 1,658 |
| Cost of funding earning assets | 0.2846% | 2,926 |
| Net interest margin | 3.6735% | 1,414 |
| Noninterest income to average assets | 0.3883% | 3,167 |
| Noninterest expense to average assets | 2.8586% | 1,236 |
| Loan and lease loss provision to assets | 0.0652% | 1,742 |
| Net operating income to assets | 0.6684% | 3,834 |
| Return on assets (ROA) | 0.6789% | 3,879 |
| Pretax return on assets | 0.8764% | 3,713 |
| Return on Equity (ROE) | 7.7946% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.7946% | 2,156 |
| Net charge-offs to loans | -0.0390% | 4,262 |
| Credit loss provision to net charge-offs | -272.2222% | 3,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3802% | 1,298 |
| Assets per employee ($millions) | 5.1913% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,988 |
| Loan loss allowance to noncurrent loans | 189.8490% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 2,018 |
| Noncurrent loans to loans | 0.6274% | 1,845 |
| Net loans and leases to total assets | 62.3513% | 2,137 |
| Net loans and leases to deposits | 71.0886% | 2,291 |
| Net loans and leases to core deposits | 76.6068% | 2,181 |
| Total domestic deposits to total assets | 87.7093% | 1,980 |
| Equity capital to assets | 8.9078% | 3,878 |
| Core capital (leverage) ratio | 7.7203% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1888% | 2,922 |
| Memoranda: | ||
| Average total assets | $300,771,667 | 2,454 |
| Average earning assets | $278,263,333 | 2,455 |
| Average equity | $26,197,667 | 2,800 |
| Average total loans | $184,591,667 | 2,399 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 2,667 |
| Cost of funding earning assets | 0.3273% | 2,733 |
| Net interest margin | 3.2644% | 2,497 |
| Noninterest income to average assets | 0.3992% | 3,089 |
| Noninterest expense to average assets | 2.7943% | 1,382 |
| Loan and lease loss provision to assets | 0.0572% | 1,971 |
| Net operating income to assets | 0.4409% | 4,287 |
| Return on assets (ROA) | 0.4378% | 4,323 |
| Pretax return on assets | 0.5562% | 4,262 |
| Return on Equity (ROE) | 5.0838% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.0838% | 3,203 |
| Net charge-offs to loans | -0.0726% | 4,529 |
| Credit loss provision to net charge-offs | -130.3030% | 2,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5632% | 847 |
| Assets per employee ($millions) | 5.0454% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 2,906 |
| Loan loss allowance to noncurrent loans | 243.6464% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 2,651 |
| Noncurrent loans to loans | 0.4943% | 2,372 |
| Net loans and leases to total assets | 59.7475% | 2,571 |
| Net loans and leases to deposits | 67.8659% | 2,718 |
| Net loans and leases to core deposits | 73.1610% | 2,600 |
| Total domestic deposits to total assets | 88.0376% | 1,828 |
| Equity capital to assets | 8.5841% | 4,058 |
| Core capital (leverage) ratio | 7.7540% | 4,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,609,000 | 2,436 |
| Average earning assets | $277,416,000 | 2,450 |
| Average equity | $25,886,000 | 2,805 |
| Average total loans | $181,887,000 | 2,428 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 1,295 |
| Cost of funding earning assets | 0.5210% | 2,808 |
| Net interest margin | 3.9864% | 999 |
| Noninterest income to average assets | 0.2946% | 3,723 |
| Noninterest expense to average assets | 2.8289% | 1,868 |
| Loan and lease loss provision to assets | 0.0922% | 3,197 |
| Net operating income to assets | 0.7747% | 3,186 |
| Return on assets (ROA) | 0.7776% | 3,304 |
| Pretax return on assets | 1.0491% | 2,884 |
| Return on Equity (ROE) | 7.8195% | 2,880 |
| Retained earnings to average equity (ytd only) | -17.6784% | 4,954 |
| Net charge-offs to loans | -0.0032% | 4,045 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3190% | 1,771 |
| Assets per employee ($millions) | 4.9050% | 3,496 |
| Cash dividends to net income (ytd only)* | 326.0818% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,063 |
| Loan loss allowance to noncurrent loans | 173.9379% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 2,365 |
| Noncurrent loans to loans | 0.6774% | 1,992 |
| Net loans and leases to total assets | 59.6811% | 2,905 |
| Net loans and leases to deposits | 68.0907% | 3,064 |
| Net loans and leases to core deposits | 73.2742% | 2,972 |
| Total domestic deposits to total assets | 87.6494% | 1,634 |
| Equity capital to assets | 8.6231% | 4,357 |
| Core capital (leverage) ratio | 9.3621% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,939,800 | 2,819 |
| Average earning assets | $199,827,000 | 2,825 |
| Average equity | $21,574,400 | 3,052 |
| Average total loans | $156,110,600 | 2,604 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 645 |
| Cost of funding earning assets | 0.6086% | 2,560 |
| Net interest margin | 4.3553% | 516 |
| Noninterest income to average assets | 0.3157% | 3,601 |
| Noninterest expense to average assets | 3.0818% | 1,265 |
| Loan and lease loss provision to assets | 0.1360% | 2,657 |
| Net operating income to assets | 0.8489% | 2,911 |
| Return on assets (ROA) | 0.8521% | 3,027 |
| Pretax return on assets | 1.1250% | 2,659 |
| Return on Equity (ROE) | 8.1553% | 2,745 |
| Retained earnings to average equity (ytd only) | 5.6340% | 2,272 |
| Net charge-offs to loans | -0.0053% | 4,066 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0329% | 1,749 |
| Assets per employee ($millions) | 4.8214% | 3,463 |
| Cash dividends to net income (ytd only)* | 30.9163% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 2,030 |
| Loan loss allowance to noncurrent loans | 475.4464% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 3,363 |
| Noncurrent loans to loans | 0.2801% | 3,286 |
| Net loans and leases to total assets | 76.1238% | 1,074 |
| Net loans and leases to deposits | 89.8174% | 1,285 |
| Net loans and leases to core deposits | 94.2912% | 1,615 |
| Total domestic deposits to total assets | 84.7539% | 2,527 |
| Equity capital to assets | 10.1949% | 3,074 |
| Core capital (leverage) ratio | 10.0722% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3365% | 2,485 |
| Memoranda: | ||
| Average total assets | $196,373,000 | 2,955 |
| Average earning assets | $181,382,750 | 2,962 |
| Average equity | $20,517,750 | 3,134 |
| Average total loans | $149,963,500 | 2,669 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 497 |
| Cost of funding earning assets | 0.6765% | 2,518 |
| Net interest margin | 4.6047% | 410 |
| Noninterest income to average assets | 0.3144% | 3,580 |
| Noninterest expense to average assets | 3.1361% | 1,274 |
| Loan and lease loss provision to assets | 0.1972% | 2,071 |
| Net operating income to assets | 0.9229% | 2,617 |
| Return on assets (ROA) | 0.9319% | 2,705 |
| Pretax return on assets | 1.2308% | 2,256 |
| Return on Equity (ROE) | 8.8422% | 2,426 |
| Retained earnings to average equity (ytd only) | 5.1497% | 2,400 |
| Net charge-offs to loans | -0.0027% | 3,871 |
| Credit loss provision to net charge-offs | -9,500.0000% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8853% | 2,105 |
| Assets per employee ($millions) | 4.8755% | 3,335 |
| Cash dividends to net income (ytd only)* | 41.7595% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 1,865 |
| Loan loss allowance to noncurrent loans | 461.0022% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 3,433 |
| Noncurrent loans to loans | 0.2893% | 3,344 |
| Net loans and leases to total assets | 76.4450% | 1,069 |
| Net loans and leases to deposits | 90.2861% | 1,331 |
| Net loans and leases to core deposits | 97.6276% | 1,444 |
| Total domestic deposits to total assets | 84.6698% | 2,512 |
| Equity capital to assets | 10.1635% | 3,052 |
| Core capital (leverage) ratio | 10.1621% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0894% | 2,572 |
| Memoranda: | ||
| Average total assets | $192,724,333 | 2,964 |
| Average earning assets | $177,385,333 | 2,980 |
| Average equity | $20,311,667 | 3,147 |
| Average total loans | $146,635,000 | 2,685 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 1,140 |
| Cost of funding earning assets | 0.7529% | 2,654 |
| Net interest margin | 4.1689% | 985 |
| Noninterest income to average assets | 0.3428% | 3,468 |
| Noninterest expense to average assets | 3.2458% | 1,328 |
| Loan and lease loss provision to assets | 0.1071% | 2,339 |
| Net operating income to assets | 0.6327% | 3,505 |
| Return on assets (ROA) | 0.6513% | 3,502 |
| Pretax return on assets | 0.8570% | 3,263 |
| Return on Equity (ROE) | 6.0614% | 3,296 |
| Retained earnings to average equity (ytd only) | -1.0169% | 4,144 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5333% | 1,393 |
| Assets per employee ($millions) | 4.2050% | 3,654 |
| Cash dividends to net income (ytd only)* | 116.7763% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,683 |
| Loan loss allowance to noncurrent loans | 5,061.5385% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,527 |
| Noncurrent loans to loans | 0.0277% | 4,453 |
| Net loans and leases to total assets | 73.2918% | 1,728 |
| Net loans and leases to deposits | 87.3562% | 1,822 |
| Net loans and leases to core deposits | 95.3515% | 1,857 |
| Total domestic deposits to total assets | 83.8999% | 2,818 |
| Equity capital to assets | 10.6028% | 3,228 |
| Core capital (leverage) ratio | 10.5367% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1858% | 2,202 |
| Memoranda: | ||
| Average total assets | $186,700,500 | 2,987 |
| Average earning assets | $172,133,000 | 2,998 |
| Average equity | $20,061,500 | 3,167 |
| Average total loans | $140,625,500 | 2,721 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 1,806 |
| Cost of funding earning assets | 0.7719% | 2,824 |
| Net interest margin | 4.1105% | 1,513 |
| Noninterest income to average assets | 0.3671% | 3,502 |
| Noninterest expense to average assets | 3.2131% | 1,491 |
| Loan and lease loss provision to assets | 0.2171% | 907 |
| Net operating income to assets | 0.6732% | 3,945 |
| Return on assets (ROA) | 0.6935% | 3,950 |
| Pretax return on assets | 0.8029% | 3,965 |
| Return on Equity (ROE) | 6.3943% | 3,785 |
| Retained earnings to average equity (ytd only) | -2.7564% | 4,904 |
| Net charge-offs to loans | 0.1329% | 1,447 |
| Credit loss provision to net charge-offs | 215.8470% | 1,225 |
| Earnings coverage of net charge-offs (x) | 9.9071% | 2,615 |
| Efficiency ratio | 76.3316% | 1,324 |
| Assets per employee ($millions) | 4.0928% | 3,783 |
| Cash dividends to net income (ytd only)* | 143.1062% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,633 |
| Loan loss allowance to noncurrent loans | 3,006.2500% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 4,472 |
| Noncurrent loans to loans | 0.0455% | 4,375 |
| Net loans and leases to total assets | 75.2902% | 1,537 |
| Net loans and leases to deposits | 89.9128% | 1,601 |
| Net loans and leases to core deposits | 95.5527% | 1,937 |
| Total domestic deposits to total assets | 83.7369% | 2,935 |
| Equity capital to assets | 10.8916% | 3,101 |
| Core capital (leverage) ratio | 10.6120% | 2,847 |
| Tier 1 risk-based capital ratio | 12.8687% | 3,863 |
| Total risk-based capital ratio | 14.1147% | 3,747 |
| Memoranda: | ||
| Average total assets | $181,974,600 | 3,001 |
| Average earning assets | $170,100,400 | 2,986 |
| Average equity | $19,736,200 | 3,155 |
| Average total loans | $137,698,200 | 2,751 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 2,029 |
| Cost of funding earning assets | 0.7578% | 2,930 |
| Net interest margin | 4.0729% | 1,693 |
| Noninterest income to average assets | 0.3682% | 3,508 |
| Noninterest expense to average assets | 3.1520% | 1,576 |
| Loan and lease loss provision to assets | 0.2609% | 607 |
| Net operating income to assets | 0.6901% | 4,045 |
| Return on assets (ROA) | 0.7202% | 4,012 |
| Pretax return on assets | 0.8047% | 4,107 |
| Return on Equity (ROE) | 6.6477% | 3,824 |
| Retained earnings to average equity (ytd only) | -5.3996% | 5,070 |
| Net charge-offs to loans | 0.1528% | 1,077 |
| Credit loss provision to net charge-offs | 226.1146% | 1,191 |
| Earnings coverage of net charge-offs (x) | 8.9426% | 2,607 |
| Efficiency ratio | 75.3381% | 1,410 |
| Assets per employee ($millions) | 4.1184% | 3,734 |
| Cash dividends to net income (ytd only)* | 181.2250% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,584 |
| Loan loss allowance to noncurrent loans | 1,446.2121% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 4,023 |
| Noncurrent loans to loans | 0.0967% | 4,211 |
| Net loans and leases to total assets | 72.6547% | 2,060 |
| Net loans and leases to deposits | 86.2528% | 2,167 |
| Net loans and leases to core deposits | 91.0992% | 2,453 |
| Total domestic deposits to total assets | 84.2346% | 2,736 |
| Equity capital to assets | 10.6831% | 3,392 |
| Core capital (leverage) ratio | 10.4310% | 3,157 |
| Tier 1 risk-based capital ratio | 13.1389% | 3,771 |
| Total risk-based capital ratio | 14.3893% | 3,679 |
| Memoranda: | ||
| Average total assets | $181,423,750 | 3,028 |
| Average earning assets | $169,963,500 | 3,011 |
| Average equity | $19,655,250 | 3,189 |
| Average total loans | $136,974,750 | 2,778 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8159% | 2,012 |
| Cost of funding earning assets | 0.7114% | 3,108 |
| Net interest margin | 4.1045% | 1,596 |
| Noninterest income to average assets | 0.3642% | 3,499 |
| Noninterest expense to average assets | 3.2167% | 1,471 |
| Loan and lease loss provision to assets | 0.2942% | 475 |
| Net operating income to assets | 0.6891% | 4,038 |
| Return on assets (ROA) | 0.7328% | 3,948 |
| Pretax return on assets | 0.7617% | 4,189 |
| Return on Equity (ROE) | 6.7322% | 3,776 |
| Retained earnings to average equity (ytd only) | 4.3249% | 3,096 |
| Net charge-offs to loans | -0.0335% | 4,718 |
| Credit loss provision to net charge-offs | -1,152.1739% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0967% | 1,387 |
| Assets per employee ($millions) | 4.0904% | 3,748 |
| Cash dividends to net income (ytd only)* | 35.7576% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,499 |
| Loan loss allowance to noncurrent loans | 1,960.7843% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,490 |
| Noncurrent loans to loans | 0.0729% | 4,353 |
| Net loans and leases to total assets | 74.9709% | 1,728 |
| Net loans and leases to deposits | 89.7245% | 1,772 |
| Net loans and leases to core deposits | 94.3299% | 2,224 |
| Total domestic deposits to total assets | 83.5568% | 3,027 |
| Equity capital to assets | 11.4207% | 2,684 |
| Core capital (leverage) ratio | 11.2720% | 2,354 |
| Tier 1 risk-based capital ratio | 13.6040% | 3,527 |
| Total risk-based capital ratio | 14.8548% | 3,420 |
| Memoranda: | ||
| Average total assets | $180,121,670 | 3,053 |
| Average earning assets | $169,521,330 | 3,025 |
| Average equity | $19,607,330 | 3,185 |
| Average total loans | $137,113,000 | 2,795 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7478% | 2,054 |
| Cost of funding earning assets | 0.6680% | 3,218 |
| Net interest margin | 4.0798% | 1,608 |
| Noninterest income to average assets | 0.3548% | 3,483 |
| Noninterest expense to average assets | 3.2580% | 1,368 |
| Loan and lease loss provision to assets | 0.2807% | 481 |
| Net operating income to assets | 0.8038% | 3,605 |
| Return on assets (ROA) | 0.8757% | 3,376 |
| Pretax return on assets | 0.7275% | 4,235 |
| Return on Equity (ROE) | 8.2540% | 3,140 |
| Retained earnings to average equity (ytd only) | 3.8307% | 3,388 |
| Net charge-offs to loans | -0.0442% | 4,795 |
| Credit loss provision to net charge-offs | -833.3333% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6767% | 1,308 |
| Assets per employee ($millions) | 4.0250% | 3,883 |
| Cash dividends to net income (ytd only)* | 53.5897% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 1,958 |
| Loan loss allowance to noncurrent loans | 4,873.6842% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 4,757 |
| Noncurrent loans to loans | 0.0273% | 4,660 |
| Net loans and leases to total assets | 75.8999% | 1,500 |
| Net loans and leases to deposits | 90.7886% | 1,529 |
| Net loans and leases to core deposits | 95.4117% | 1,986 |
| Total domestic deposits to total assets | 83.6007% | 3,184 |
| Equity capital to assets | 11.3508% | 2,523 |
| Core capital (leverage) ratio | 11.6595% | 2,019 |
| Tier 1 risk-based capital ratio | 13.6070% | 3,551 |
| Total risk-based capital ratio | 14.8304% | 3,479 |
| Memoranda: | ||
| Average total assets | $178,147,500 | 3,105 |
| Average earning assets | $167,656,000 | 3,081 |
| Average equity | $18,900,000 | 3,271 |
| Average total loans | $135,670,000 | 2,845 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 2,517 |
| Cost of funding earning assets | 0.5912% | 2,786 |
| Net interest margin | 3.8891% | 2,362 |
| Noninterest income to average assets | 0.3486% | 3,778 |
| Noninterest expense to average assets | 3.0416% | 1,963 |
| Loan and lease loss provision to assets | 0.3757% | 386 |
| Net operating income to assets | 0.4442% | 4,776 |
| Return on assets (ROA) | 0.4442% | 4,772 |
| Pretax return on assets | 0.5696% | 4,684 |
| Return on Equity (ROE) | 4.7734% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.4672% | 3,676 |
| Net charge-offs to loans | 0.4651% | 392 |
| Credit loss provision to net charge-offs | 110.7492% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2.7866% | 3,487 |
| Efficiency ratio | 76.2888% | 1,317 |
| Assets per employee ($millions) | 3.8927% | 4,042 |
| Cash dividends to net income (ytd only)* | 27.3632% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,055 |
| Loan loss allowance to noncurrent loans | 99.1314% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 1,371 |
| Noncurrent loans to loans | 1.3082% | 1,203 |
| Net loans and leases to total assets | 74.3862% | 1,868 |
| Net loans and leases to deposits | 87.5657% | 2,109 |
| Net loans and leases to core deposits | 91.8241% | 2,419 |
| Total domestic deposits to total assets | 84.9490% | 2,661 |
| Equity capital to assets | 9.8424% | 3,822 |
| Core capital (leverage) ratio | 9.6746% | 3,927 |
| Tier 1 risk-based capital ratio | 11.7136% | 4,621 |
| Total risk-based capital ratio | 12.8786% | 4,540 |
| Memoranda: | ||
| Average total assets | $180,990,200 | 3,046 |
| Average earning assets | $169,320,800 | 3,034 |
| Average equity | $16,843,400 | 3,416 |
| Average total loans | $132,010,800 | 2,857 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 2,641 |
| Cost of funding earning assets | 0.5713% | 2,694 |
| Net interest margin | 3.8243% | 2,550 |
| Noninterest income to average assets | 0.3537% | 3,766 |
| Noninterest expense to average assets | 3.0145% | 1,977 |
| Loan and lease loss provision to assets | 0.3910% | 324 |
| Net operating income to assets | 0.4107% | 4,935 |
| Return on assets (ROA) | 0.4107% | 4,938 |
| Pretax return on assets | 0.5240% | 4,868 |
| Return on Equity (ROE) | 4.4751% | 4,703 |
| Retained earnings to average equity (ytd only) | 2.7233% | 4,336 |
| Net charge-offs to loans | 0.2151% | 790 |
| Credit loss provision to net charge-offs | 251.1737% | 1,173 |
| Earnings coverage of net charge-offs (x) | 5.8780% | 2,934 |
| Efficiency ratio | 76.7156% | 1,266 |
| Assets per employee ($millions) | 4.1587% | 3,638 |
| Cash dividends to net income (ytd only)* | 39.1467% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,278 |
| Loan loss allowance to noncurrent loans | 80.7471% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3785% | 971 |
| Noncurrent loans to loans | 1.8832% | 806 |
| Net loans and leases to total assets | 71.2348% | 2,456 |
| Net loans and leases to deposits | 83.3721% | 2,671 |
| Net loans and leases to core deposits | 89.0779% | 2,740 |
| Total domestic deposits to total assets | 85.4421% | 2,432 |
| Equity capital to assets | 9.4070% | 4,174 |
| Core capital (leverage) ratio | 9.3061% | 4,392 |
| Tier 1 risk-based capital ratio | 11.5449% | 4,767 |
| Total risk-based capital ratio | 12.7234% | 4,688 |
| Memoranda: | ||
| Average total assets | $182,445,000 | 3,055 |
| Average earning assets | $170,590,000 | 3,045 |
| Average equity | $16,744,000 | 3,448 |
| Average total loans | $132,009,750 | 2,871 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,743 |
| Cost of funding earning assets | 0.5448% | 2,655 |
| Net interest margin | 3.7600% | 2,714 |
| Noninterest income to average assets | 0.3561% | 3,777 |
| Noninterest expense to average assets | 3.0373% | 1,947 |
| Loan and lease loss provision to assets | 0.4029% | 301 |
| Net operating income to assets | 0.3539% | 5,044 |
| Return on assets (ROA) | 0.3539% | 5,041 |
| Pretax return on assets | 0.4411% | 4,998 |
| Return on Equity (ROE) | 3.8880% | 4,852 |
| Retained earnings to average equity (ytd only) | 1.2561% | 4,701 |
| Net charge-offs to loans | 0.1324% | 1,129 |
| Credit loss provision to net charge-offs | 420.4545% | 793 |
| Earnings coverage of net charge-offs (x) | 8.8068% | 2,442 |
| Efficiency ratio | 78.2548% | 1,176 |
| Assets per employee ($millions) | 4.0480% | 3,820 |
| Cash dividends to net income (ytd only)* | 67.6923% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 1,565 |
| Loan loss allowance to noncurrent loans | 72.3995% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 951 |
| Noncurrent loans to loans | 2.0015% | 747 |
| Net loans and leases to total assets | 70.4175% | 2,518 |
| Net loans and leases to deposits | 81.7363% | 2,791 |
| Net loans and leases to core deposits | 86.9193% | 2,830 |
| Total domestic deposits to total assets | 86.1520% | 2,212 |
| Equity capital to assets | 8.9556% | 4,598 |
| Core capital (leverage) ratio | 9.1263% | 4,545 |
| Tier 1 risk-based capital ratio | 11.2226% | 4,940 |
| Total risk-based capital ratio | 12.4325% | 4,858 |
| Memoranda: | ||
| Average total assets | $183,652,000 | 3,062 |
| Average earning assets | $172,182,330 | 3,044 |
| Average equity | $16,718,000 | 3,476 |
| Average total loans | $132,895,670 | 2,876 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,590 |
| Cost of funding earning assets | 0.4863% | 2,896 |
| Net interest margin | 3.7969% | 2,437 |
| Noninterest income to average assets | 0.3992% | 3,476 |
| Noninterest expense to average assets | 3.1386% | 1,716 |
| Loan and lease loss provision to assets | 0.4167% | 264 |
| Net operating income to assets | 0.3531% | 5,007 |
| Return on assets (ROA) | 0.3531% | 5,011 |
| Pretax return on assets | 0.4058% | 5,029 |
| Return on Equity (ROE) | 3.8473% | 4,804 |
| Retained earnings to average equity (ytd only) | -0.6930% | 4,880 |
| Net charge-offs to loans | -0.1476% | 5,313 |
| Credit loss provision to net charge-offs | -387.7551% | 3,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2359% | 1,230 |
| Assets per employee ($millions) | 4.0258% | 3,935 |
| Cash dividends to net income (ytd only)* | 118.0124% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,844 |
| Loan loss allowance to noncurrent loans | 261.0803% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 3,281 |
| Noncurrent loans to loans | 0.5361% | 2,916 |
| Net loans and leases to total assets | 71.7115% | 2,222 |
| Net loans and leases to deposits | 83.6013% | 2,437 |
| Net loans and leases to core deposits | 88.6455% | 2,576 |
| Total domestic deposits to total assets | 85.7780% | 2,644 |
| Equity capital to assets | 8.9618% | 4,598 |
| Core capital (leverage) ratio | 9.2383% | 4,391 |
| Tier 1 risk-based capital ratio | 10.9646% | 5,147 |
| Total risk-based capital ratio | 12.2146% | 5,051 |
| Memoranda: | ||
| Average total assets | $182,374,000 | 3,107 |
| Average earning assets | $171,089,000 | 3,083 |
| Average equity | $16,739,000 | 3,504 |
| Average total loans | $132,818,000 | 2,904 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 1,958 |
| Cost of funding earning assets | 0.4299% | 2,958 |
| Net interest margin | 3.9955% | 1,765 |
| Noninterest income to average assets | 0.3431% | 4,009 |
| Noninterest expense to average assets | 3.2673% | 1,441 |
| Loan and lease loss provision to assets | 0.2484% | 757 |
| Net operating income to assets | 0.8925% | 2,758 |
| Return on assets (ROA) | 0.8925% | 2,782 |
| Pretax return on assets | 0.5638% | 4,817 |
| Return on Equity (ROE) | 9.6508% | 2,034 |
| Retained earnings to average equity (ytd only) | 8.3391% | 659 |
| Net charge-offs to loans | 0.2453% | 1,062 |
| Credit loss provision to net charge-offs | 139.6104% | 1,896 |
| Earnings coverage of net charge-offs (x) | 4.5649% | 3,448 |
| Efficiency ratio | 80.0906% | 1,095 |
| Assets per employee ($millions) | 3.9035% | 4,117 |
| Cash dividends to net income (ytd only)* | 13.5922% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,436 |
| Loan loss allowance to noncurrent loans | 343.6326% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 3,824 |
| Noncurrent loans to loans | 0.3658% | 3,455 |
| Net loans and leases to total assets | 72.0115% | 2,236 |
| Net loans and leases to deposits | 84.6465% | 2,416 |
| Net loans and leases to core deposits | 89.4721% | 2,616 |
| Total domestic deposits to total assets | 85.0732% | 2,815 |
| Equity capital to assets | 9.4017% | 4,324 |
| Core capital (leverage) ratio | 9.1443% | 4,468 |
| Tier 1 risk-based capital ratio | 11.5008% | 4,851 |
| Total risk-based capital ratio | 12.6552% | 4,795 |
| Memoranda: | ||
| Average total assets | $173,109,400 | 3,209 |
| Average earning assets | $161,880,800 | 3,174 |
| Average equity | $16,009,000 | 3,593 |
| Average total loans | $125,545,000 | 2,984 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 2,025 |
| Cost of funding earning assets | 0.4100% | 3,089 |
| Net interest margin | 3.9673% | 1,811 |
| Noninterest income to average assets | 0.3359% | 4,129 |
| Noninterest expense to average assets | 3.3119% | 1,317 |
| Loan and lease loss provision to assets | 0.2216% | 834 |
| Net operating income to assets | 0.4867% | 4,768 |
| Return on assets (ROA) | 0.4867% | 4,807 |
| Pretax return on assets | 0.5116% | 5,008 |
| Return on Equity (ROE) | 5.2857% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.5125% | 3,822 |
| Net charge-offs to loans | 0.1600% | 1,282 |
| Credit loss provision to net charge-offs | 191.2752% | 1,389 |
| Earnings coverage of net charge-offs (x) | 6.3289% | 2,995 |
| Efficiency ratio | 81.8758% | 925 |
| Assets per employee ($millions) | 4.1915% | 3,668 |
| Cash dividends to net income (ytd only)* | 33.5458% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,645 |
| Loan loss allowance to noncurrent loans | 464.9860% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 3,971 |
| Noncurrent loans to loans | 0.2689% | 3,995 |
| Net loans and leases to total assets | 71.0869% | 2,394 |
| Net loans and leases to deposits | 82.8621% | 2,678 |
| Net loans and leases to core deposits | 87.2426% | 2,849 |
| Total domestic deposits to total assets | 85.7893% | 2,393 |
| Equity capital to assets | 8.7548% | 5,114 |
| Core capital (leverage) ratio | 8.9172% | 4,840 |
| Tier 1 risk-based capital ratio | 11.0106% | 5,240 |
| Total risk-based capital ratio | 12.1536% | 5,190 |
| Memoranda: | ||
| Average total assets | $171,496,000 | 3,249 |
| Average earning assets | $160,341,500 | 3,221 |
| Average equity | $15,790,750 | 3,659 |
| Average total loans | $124,193,250 | 3,027 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 1,885 |
| Cost of funding earning assets | 0.3889% | 3,191 |
| Net interest margin | 3.9892% | 1,640 |
| Noninterest income to average assets | 0.3768% | 3,858 |
| Noninterest expense to average assets | 3.4441% | 1,088 |
| Loan and lease loss provision to assets | 0.1914% | 970 |
| Net operating income to assets | 0.4642% | 4,814 |
| Return on assets (ROA) | 0.4642% | 4,839 |
| Pretax return on assets | 0.4713% | 5,051 |
| Return on Equity (ROE) | 4.9514% | 4,493 |
| Retained earnings to average equity (ytd only) | 2.2715% | 4,318 |
| Net charge-offs to loans | -0.0313% | 4,978 |
| Credit loss provision to net charge-offs | -842.1053% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8625% | 857 |
| Assets per employee ($millions) | 4.1528% | 3,709 |
| Cash dividends to net income (ytd only)* | 54.1237% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,230 |
| Loan loss allowance to noncurrent loans | 180.2116% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 2,776 |
| Noncurrent loans to loans | 0.7436% | 2,540 |
| Net loans and leases to total assets | 70.2139% | 2,496 |
| Net loans and leases to deposits | 82.0911% | 2,689 |
| Net loans and leases to core deposits | 85.7101% | 2,907 |
| Total domestic deposits to total assets | 85.5317% | 2,601 |
| Equity capital to assets | 8.9321% | 4,960 |
| Core capital (leverage) ratio | 9.2519% | 4,430 |
| Tier 1 risk-based capital ratio | 11.5806% | 4,904 |
| Total risk-based capital ratio | 12.8257% | 4,796 |
| Memoranda: | ||
| Average total assets | $167,186,330 | 3,318 |
| Average earning assets | $156,321,670 | 3,287 |
| Average equity | $15,672,330 | 3,680 |
| Average total loans | $121,337,000 | 3,071 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 1,570 |
| Cost of funding earning assets | 0.3598% | 3,421 |
| Net interest margin | 4.0657% | 1,310 |
| Noninterest income to average assets | 0.4211% | 3,515 |
| Noninterest expense to average assets | 3.6658% | 813 |
| Loan and lease loss provision to assets | 0.3344% | 367 |
| Net operating income to assets | 0.2551% | 5,295 |
| Return on assets (ROA) | 0.2551% | 5,314 |
| Pretax return on assets | 0.2551% | 5,368 |
| Return on Equity (ROE) | 2.6523% | 5,193 |
| Retained earnings to average equity (ytd only) | -2.2403% | 5,191 |
| Net charge-offs to loans | -0.0473% | 5,156 |
| Credit loss provision to net charge-offs | -964.2857% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1467% | 798 |
| Assets per employee ($millions) | 3.5515% | 4,716 |
| Cash dividends to net income (ytd only)* | 184.4660% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,400 |
| Loan loss allowance to noncurrent loans | 270.1131% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 3,377 |
| Noncurrent loans to loans | 0.4917% | 3,327 |
| Net loans and leases to total assets | 72.8697% | 1,932 |
| Net loans and leases to deposits | 85.1570% | 2,139 |
| Net loans and leases to core deposits | 89.1809% | 2,436 |
| Total domestic deposits to total assets | 85.5711% | 2,851 |
| Equity capital to assets | 9.1248% | 4,686 |
| Core capital (leverage) ratio | 9.3514% | 4,276 |
| Tier 1 risk-based capital ratio | 11.3744% | 5,103 |
| Total risk-based capital ratio | 12.6065% | 5,017 |
| Memoranda: | ||
| Average total assets | $161,494,500 | 3,408 |
| Average earning assets | $152,298,500 | 3,376 |
| Average equity | $15,533,500 | 3,718 |
| Average total loans | $118,463,500 | 3,134 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 2,381 |
| Cost of funding earning assets | 0.2978% | 4,087 |
| Net interest margin | 3.9339% | 1,838 |
| Noninterest income to average assets | 0.4043% | 3,844 |
| Noninterest expense to average assets | 3.6690% | 922 |
| Loan and lease loss provision to assets | 0.0235% | 3,894 |
| Net operating income to assets | 0.3776% | 5,014 |
| Return on assets (ROA) | 0.3935% | 5,043 |
| Pretax return on assets | 0.3976% | 5,227 |
| Return on Equity (ROE) | 3.7401% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.4614% | 4,123 |
| Net charge-offs to loans | -0.1146% | 5,626 |
| Credit loss provision to net charge-offs | -30.7018% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0594% | 549 |
| Assets per employee ($millions) | 3.3893% | 4,917 |
| Cash dividends to net income (ytd only)* | 34.1880% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,209 |
| Loan loss allowance to noncurrent loans | 643.0380% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 3,753 |
| Noncurrent loans to loans | 0.2134% | 4,387 |
| Net loans and leases to total assets | 71.8009% | 2,194 |
| Net loans and leases to deposits | 83.8008% | 2,446 |
| Net loans and leases to core deposits | 88.1950% | 2,646 |
| Total domestic deposits to total assets | 85.6805% | 2,740 |
| Equity capital to assets | 10.1705% | 3,521 |
| Core capital (leverage) ratio | 10.2419% | 3,181 |
| Tier 1 risk-based capital ratio | 13.1788% | 3,956 |
| Total risk-based capital ratio | 14.4289% | 3,883 |
| Memoranda: | ||
| Average total assets | $148,649,200 | 3,544 |
| Average earning assets | $138,665,000 | 3,514 |
| Average equity | $15,641,200 | 3,740 |
| Average total loans | $99,502,600 | 3,393 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 2,588 |
| Cost of funding earning assets | 0.2940% | 4,168 |
| Net interest margin | 3.8819% | 2,047 |
| Noninterest income to average assets | 0.4090% | 3,853 |
| Noninterest expense to average assets | 3.6519% | 918 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3640% | 5,134 |
| Return on assets (ROA) | 0.3846% | 5,157 |
| Pretax return on assets | 0.3900% | 5,324 |
| Return on Equity (ROE) | 3.6239% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.9225% | 4,717 |
| Net charge-offs to loans | -0.1987% | 5,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8172% | 523 |
| Assets per employee ($millions) | 3.4342% | 4,864 |
| Cash dividends to net income (ytd only)* | 46.9480% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 1,970 |
| Loan loss allowance to noncurrent loans | 602.3810% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 3,352 |
| Noncurrent loans to loans | 0.2410% | 4,407 |
| Net loans and leases to total assets | 68.1868% | 2,774 |
| Net loans and leases to deposits | 79.0518% | 3,072 |
| Net loans and leases to core deposits | 81.2044% | 3,340 |
| Total domestic deposits to total assets | 86.2558% | 2,236 |
| Equity capital to assets | 10.5451% | 3,515 |
| Core capital (leverage) ratio | 10.2993% | 3,228 |
| Tier 1 risk-based capital ratio | 13.5431% | 3,835 |
| Total risk-based capital ratio | 14.7938% | 3,748 |
| Memoranda: | ||
| Average total assets | $147,681,750 | 3,574 |
| Average earning assets | $137,420,500 | 3,550 |
| Average equity | $15,673,500 | 3,762 |
| Average total loans | $96,619,750 | 3,460 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 2,769 |
| Cost of funding earning assets | 0.2927% | 4,215 |
| Net interest margin | 3.8307% | 2,209 |
| Noninterest income to average assets | 0.4190% | 3,749 |
| Noninterest expense to average assets | 3.6277% | 967 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3377% | 5,218 |
| Return on assets (ROA) | 0.3658% | 5,225 |
| Pretax return on assets | 0.3740% | 5,383 |
| Return on Equity (ROE) | 3.4388% | 5,116 |
| Retained earnings to average equity (ytd only) | 1.0009% | 4,989 |
| Net charge-offs to loans | -0.4916% | 5,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3088% | 530 |
| Assets per employee ($millions) | 3.2832% | 5,094 |
| Cash dividends to net income (ytd only)* | 70.8955% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6138% | 1,493 |
| Loan loss allowance to noncurrent loans | 262.8478% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.8244% | 2,533 |
| Noncurrent loans to loans | 0.6140% | 3,224 |
| Net loans and leases to total assets | 66.2705% | 3,043 |
| Net loans and leases to deposits | 77.3782% | 3,222 |
| Net loans and leases to core deposits | 79.7206% | 3,488 |
| Total domestic deposits to total assets | 85.6450% | 2,589 |
| Equity capital to assets | 10.6703% | 3,440 |
| Core capital (leverage) ratio | 10.2276% | 3,300 |
| Tier 1 risk-based capital ratio | 13.5868% | 3,845 |
| Total risk-based capital ratio | 14.8389% | 3,765 |
| Memoranda: | ||
| Average total assets | $146,541,000 | 3,608 |
| Average earning assets | $135,953,330 | 3,597 |
| Average equity | $15,586,670 | 3,792 |
| Average total loans | $93,976,000 | 3,519 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,147 |
| Cost of funding earning assets | 0.2967% | 4,198 |
| Net interest margin | 3.7240% | 2,578 |
| Noninterest income to average assets | 0.4522% | 3,466 |
| Noninterest expense to average assets | 3.5357% | 1,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3417% | 5,173 |
| Return on assets (ROA) | 0.3865% | 5,110 |
| Pretax return on assets | 0.4029% | 5,304 |
| Return on Equity (ROE) | 3.6393% | 5,017 |
| Retained earnings to average equity (ytd only) | -1.2647% | 5,309 |
| Net charge-offs to loans | -0.9473% | 6,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8451% | 614 |
| Assets per employee ($millions) | 3.3004% | 5,124 |
| Cash dividends to net income (ytd only)* | 134.7518% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 1,237 |
| Loan loss allowance to noncurrent loans | 251.1848% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 2,418 |
| Noncurrent loans to loans | 0.6982% | 3,098 |
| Net loans and leases to total assets | 59.9706% | 3,777 |
| Net loans and leases to deposits | 69.3925% | 3,912 |
| Net loans and leases to core deposits | 71.8645% | 4,069 |
| Total domestic deposits to total assets | 86.4223% | 2,480 |
| Equity capital to assets | 10.4696% | 3,538 |
| Core capital (leverage) ratio | 10.4001% | 3,073 |
| Tier 1 risk-based capital ratio | 16.1348% | 2,618 |
| Total risk-based capital ratio | 17.3907% | 2,567 |
| Memoranda: | ||
| Average total assets | $145,938,500 | 3,638 |
| Average earning assets | $134,800,000 | 3,637 |
| Average equity | $15,497,500 | 3,812 |
| Average total loans | $91,205,000 | 3,594 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 2,653 |
| Cost of funding earning assets | 0.4154% | 2,990 |
| Net interest margin | 3.7566% | 2,530 |
| Noninterest income to average assets | 0.3697% | 4,266 |
| Noninterest expense to average assets | 3.4297% | 1,434 |
| Loan and lease loss provision to assets | 0.1176% | 2,023 |
| Net operating income to assets | 0.2886% | 5,391 |
| Return on assets (ROA) | 0.2997% | 5,441 |
| Pretax return on assets | 0.3039% | 5,514 |
| Return on Equity (ROE) | 2.8007% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.7353% | 4,127 |
| Net charge-offs to loans | 0.1518% | 1,852 |
| Credit loss provision to net charge-offs | 123.5294% | 2,096 |
| Earnings coverage of net charge-offs (x) | 4.3088% | 3,578 |
| Efficiency ratio | 89.3144% | 734 |
| Assets per employee ($millions) | 3.4134% | 4,961 |
| Cash dividends to net income (ytd only)* | 2.3364% | 4,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 2,011 |
| Loan loss allowance to noncurrent loans | 203.5503% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 2,042 |
| Noncurrent loans to loans | 0.7368% | 2,968 |
| Net loans and leases to total assets | 63.0422% | 3,404 |
| Net loans and leases to deposits | 73.2618% | 3,583 |
| Net loans and leases to core deposits | 75.2535% | 3,823 |
| Total domestic deposits to total assets | 86.0506% | 2,617 |
| Equity capital to assets | 10.7742% | 3,050 |
| Core capital (leverage) ratio | 10.6365% | 2,789 |
| Tier 1 risk-based capital ratio | 15.1159% | 3,125 |
| Total risk-based capital ratio | 16.3677% | 3,056 |
| Memoranda: | ||
| Average total assets | $142,813,000 | 3,679 |
| Average earning assets | $131,928,400 | 3,662 |
| Average equity | $15,281,800 | 3,785 |
| Average total loans | $89,566,000 | 3,598 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,607 |
| Cost of funding earning assets | 0.4510% | 2,672 |
| Net interest margin | 3.7401% | 2,612 |
| Noninterest income to average assets | 0.4149% | 3,969 |
| Noninterest expense to average assets | 3.4324% | 1,410 |
| Loan and lease loss provision to assets | 0.1570% | 1,374 |
| Net operating income to assets | 0.2721% | 5,528 |
| Return on assets (ROA) | 0.2869% | 5,569 |
| Pretax return on assets | 0.2888% | 5,657 |
| Return on Equity (ROE) | 2.6857% | 5,488 |
| Retained earnings to average equity (ytd only) | 2.5982% | 4,563 |
| Net charge-offs to loans | 0.1198% | 1,922 |
| Credit loss provision to net charge-offs | 210.0000% | 1,290 |
| Earnings coverage of net charge-offs (x) | 5.7627% | 3,155 |
| Efficiency ratio | 88.8486% | 770 |
| Assets per employee ($millions) | 3.4202% | 4,942 |
| Cash dividends to net income (ytd only)* | 3.2566% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,842 |
| Loan loss allowance to noncurrent loans | 245.0342% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.7200% | 1,257 |
| Noncurrent loans to loans | 0.6464% | 3,384 |
| Net loans and leases to total assets | 63.4077% | 3,393 |
| Net loans and leases to deposits | 74.8596% | 3,438 |
| Net loans and leases to core deposits | 77.3331% | 3,666 |
| Total domestic deposits to total assets | 84.7022% | 3,129 |
| Equity capital to assets | 10.9977% | 3,033 |
| Core capital (leverage) ratio | 10.5863% | 2,942 |
| Tier 1 risk-based capital ratio | 14.2650% | 3,689 |
| Total risk-based capital ratio | 15.5170% | 3,623 |
| Memoranda: | ||
| Average total assets | $142,676,000 | 3,706 |
| Average earning assets | $131,545,500 | 3,703 |
| Average equity | $15,240,750 | 3,829 |
| Average total loans | $89,019,000 | 3,642 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1783% | 2,622 |
| Cost of funding earning assets | 0.5030% | 2,220 |
| Net interest margin | 3.6753% | 2,815 |
| Noninterest income to average assets | 0.4181% | 3,938 |
| Noninterest expense to average assets | 3.4023% | 1,470 |
| Loan and lease loss provision to assets | 0.1463% | 1,469 |
| Net operating income to assets | 0.2581% | 5,555 |
| Return on assets (ROA) | 0.2802% | 5,585 |
| Pretax return on assets | 0.2829% | 5,686 |
| Return on Equity (ROE) | 2.6482% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.5164% | 4,450 |
| Net charge-offs to loans | 0.1310% | 1,711 |
| Credit loss provision to net charge-offs | 181.0345% | 1,338 |
| Earnings coverage of net charge-offs (x) | 5.0345% | 2,966 |
| Efficiency ratio | 89.3158% | 804 |
| Assets per employee ($millions) | 3.4478% | 4,896 |
| Cash dividends to net income (ytd only)* | 4.9751% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5699% | 2,013 |
| Loan loss allowance to noncurrent loans | 257.3013% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 1.8633% | 1,229 |
| Noncurrent loans to loans | 0.6101% | 3,646 |
| Net loans and leases to total assets | 61.7407% | 3,589 |
| Net loans and leases to deposits | 72.0938% | 3,713 |
| Net loans and leases to core deposits | 74.9292% | 3,861 |
| Total domestic deposits to total assets | 85.6394% | 2,861 |
| Equity capital to assets | 10.7174% | 3,199 |
| Core capital (leverage) ratio | 10.2934% | 3,222 |
| Tier 1 risk-based capital ratio | 15.1011% | 3,300 |
| Total risk-based capital ratio | 16.3542% | 3,239 |
| Memoranda: | ||
| Average total assets | $143,491,670 | 3,722 |
| Average earning assets | $132,399,000 | 3,715 |
| Average equity | $15,180,330 | 3,858 |
| Average total loans | $88,576,330 | 3,674 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 2,635 |
| Cost of funding earning assets | 0.5569% | 1,784 |
| Net interest margin | 3.5932% | 3,032 |
| Noninterest income to average assets | 0.4566% | 3,596 |
| Noninterest expense to average assets | 3.3758% | 1,540 |
| Loan and lease loss provision to assets | 0.2186% | 809 |
| Net operating income to assets | 0.1826% | 5,719 |
| Return on assets (ROA) | 0.2241% | 5,713 |
| Pretax return on assets | 0.2241% | 5,797 |
| Return on Equity (ROE) | 2.1322% | 5,660 |
| Retained earnings to average equity (ytd only) | 2.1322% | 4,609 |
| Net charge-offs to loans | 0.2214% | 1,055 |
| Credit loss provision to net charge-offs | 161.2245% | 1,200 |
| Earnings coverage of net charge-offs (x) | 2.9592% | 2,675 |
| Efficiency ratio | 89.3773% | 900 |
| Assets per employee ($millions) | 3.6474% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 2,367 |
| Loan loss allowance to noncurrent loans | 343.2500% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 1,458 |
| Noncurrent loans to loans | 0.4429% | 4,264 |
| Net loans and leases to total assets | 60.9586% | 3,529 |
| Net loans and leases to deposits | 70.5548% | 3,687 |
| Net loans and leases to core deposits | 72.4746% | 3,918 |
| Total domestic deposits to total assets | 86.3990% | 2,712 |
| Equity capital to assets | 10.4884% | 3,547 |
| Core capital (leverage) ratio | 10.1688% | 3,380 |
| Tier 1 risk-based capital ratio | 14.4875% | 3,730 |
| Total risk-based capital ratio | 15.7361% | 3,651 |
| Memoranda: | ||
| Average total assets | $144,558,000 | 3,735 |
| Average earning assets | $133,587,000 | 3,726 |
| Average equity | $15,195,500 | 3,888 |
| Average total loans | $88,530,500 | 3,684 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1850% | 3,000 |
| Cost of funding earning assets | 0.7654% | 782 |
| Net interest margin | 3.4196% | 4,111 |
| Noninterest income to average assets | 0.3296% | 4,755 |
| Noninterest expense to average assets | 3.1520% | 2,352 |
| Loan and lease loss provision to assets | 0.1292% | 2,028 |
| Net operating income to assets | 0.1631% | 5,845 |
| Return on assets (ROA) | 0.1810% | 5,851 |
| Pretax return on assets | 0.1810% | 5,900 |
| Return on Equity (ROE) | 1.7947% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.7947% | 4,914 |
| Net charge-offs to loans | 0.2363% | 1,790 |
| Credit loss provision to net charge-offs | 92.1182% | 2,599 |
| Earnings coverage of net charge-offs (x) | 2.0837% | 4,250 |
| Efficiency ratio | 91.5145% | 737 |
| Assets per employee ($millions) | 3.4100% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 2,259 |
| Loan loss allowance to noncurrent loans | 193.1034% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.8279% | 1,421 |
| Noncurrent loans to loans | 0.8023% | 3,303 |
| Net loans and leases to total assets | 59.6340% | 3,834 |
| Net loans and leases to deposits | 69.0838% | 4,023 |
| Net loans and leases to core deposits | 71.0546% | 4,214 |
| Total domestic deposits to total assets | 86.3212% | 2,659 |
| Equity capital to assets | 10.5354% | 3,435 |
| Core capital (leverage) ratio | 10.3355% | 3,126 |
| Tier 1 risk-based capital ratio | 15.0838% | 3,443 |
| Total risk-based capital ratio | 16.3357% | 3,389 |
| Memoranda: | ||
| Average total assets | $144,732,000 | 3,710 |
| Average earning assets | $131,828,800 | 3,728 |
| Average equity | $14,598,600 | 3,914 |
| Average total loans | $85,910,400 | 3,716 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 3,225 |
| Cost of funding earning assets | 0.7926% | 712 |
| Net interest margin | 3.3446% | 4,453 |
| Noninterest income to average assets | 0.3850% | 4,354 |
| Noninterest expense to average assets | 3.1993% | 2,181 |
| Loan and lease loss provision to assets | 0.1305% | 1,922 |
| Net operating income to assets | 0.0910% | 6,038 |
| Return on assets (ROA) | 0.1139% | 6,039 |
| Pretax return on assets | 0.1139% | 6,046 |
| Return on Equity (ROE) | 1.1421% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.1421% | 5,431 |
| Net charge-offs to loans | 0.2271% | 1,684 |
| Credit loss provision to net charge-offs | 97.2603% | 2,299 |
| Earnings coverage of net charge-offs (x) | 1.6507% | 4,111 |
| Efficiency ratio | 93.5267% | 623 |
| Assets per employee ($millions) | 3.6790% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 2,649 |
| Loan loss allowance to noncurrent loans | 173.6236% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 2.4477% | 1,094 |
| Noncurrent loans to loans | 0.8704% | 3,389 |
| Net loans and leases to total assets | 60.0545% | 3,776 |
| Net loans and leases to deposits | 70.3808% | 3,878 |
| Net loans and leases to core deposits | 72.8031% | 4,076 |
| Total domestic deposits to total assets | 85.3280% | 3,196 |
| Equity capital to assets | 10.0416% | 4,115 |
| Core capital (leverage) ratio | 9.9849% | 3,698 |
| Tier 1 risk-based capital ratio | 14.3888% | 3,951 |
| Total risk-based capital ratio | 15.6398% | 3,893 |
| Memoranda: | ||
| Average total assets | $145,109,500 | 3,743 |
| Average earning assets | $131,713,000 | 3,751 |
| Average equity | $14,476,000 | 3,960 |
| Average total loans | $85,699,750 | 3,763 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 3,290 |
| Cost of funding earning assets | 0.8072% | 676 |
| Net interest margin | 3.3054% | 4,563 |
| Noninterest income to average assets | 0.4127% | 4,149 |
| Noninterest expense to average assets | 3.2349% | 2,084 |
| Loan and lease loss provision to assets | 0.1177% | 2,078 |
| Net operating income to assets | 0.0485% | 6,138 |
| Return on assets (ROA) | 0.0831% | 6,102 |
| Pretax return on assets | 0.0831% | 6,113 |
| Return on Equity (ROE) | 0.8347% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.8347% | 5,417 |
| Net charge-offs to loans | 0.2845% | 1,400 |
| Credit loss provision to net charge-offs | 70.8333% | 2,460 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,916 |
| Efficiency ratio | 95.1140% | 597 |
| Assets per employee ($millions) | 3.6974% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 2,479 |
| Loan loss allowance to noncurrent loans | 306.0046% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 2.1845% | 1,401 |
| Noncurrent loans to loans | 0.5213% | 4,441 |
| Net loans and leases to total assets | 56.6839% | 4,160 |
| Net loans and leases to deposits | 63.9300% | 4,509 |
| Net loans and leases to core deposits | 65.8707% | 4,653 |
| Total domestic deposits to total assets | 88.6656% | 1,558 |
| Equity capital to assets | 10.1631% | 3,883 |
| Core capital (leverage) ratio | 10.0295% | 3,571 |
| Tier 1 risk-based capital ratio | 15.0287% | 3,620 |
| Total risk-based capital ratio | 16.2799% | 3,568 |
| Memoranda: | ||
| Average total assets | $144,426,670 | 3,773 |
| Average earning assets | $130,573,000 | 3,798 |
| Average equity | $14,375,670 | 3,965 |
| Average total loans | $84,356,000 | 3,810 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 3,197 |
| Cost of funding earning assets | 0.8201% | 671 |
| Net interest margin | 3.3017% | 4,530 |
| Noninterest income to average assets | 0.4096% | 4,109 |
| Noninterest expense to average assets | 3.2544% | 2,057 |
| Loan and lease loss provision to assets | 0.1245% | 1,942 |
| Net operating income to assets | 0.0055% | 6,206 |
| Return on assets (ROA) | 0.0055% | 6,222 |
| Pretax return on assets | 0.0055% | 6,212 |
| Return on Equity (ROE) | 0.0562% | 6,220 |
| Retained earnings to average equity (ytd only) | 0.0562% | 5,529 |
| Net charge-offs to loans | 0.1365% | 1,893 |
| Credit loss provision to net charge-offs | 155.1724% | 1,231 |
| Earnings coverage of net charge-offs (x) | 1.6207% | 3,053 |
| Efficiency ratio | 96.1570% | 633 |
| Assets per employee ($millions) | 3.6232% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 2,518 |
| Loan loss allowance to noncurrent loans | 343.1421% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 2.1569% | 1,547 |
| Noncurrent loans to loans | 0.4805% | 4,718 |
| Net loans and leases to total assets | 56.6357% | 4,061 |
| Net loans and leases to deposits | 63.6430% | 4,361 |
| Net loans and leases to core deposits | 65.5521% | 4,542 |
| Total domestic deposits to total assets | 88.9897% | 1,669 |
| Equity capital to assets | 9.8994% | 3,961 |
| Core capital (leverage) ratio | 9.8937% | 3,722 |
| Tier 1 risk-based capital ratio | 14.7967% | 3,818 |
| Total risk-based capital ratio | 16.0486% | 3,771 |
| Memoranda: | ||
| Average total assets | $144,541,000 | 3,793 |
| Average earning assets | $130,234,000 | 3,828 |
| Average equity | $14,236,000 | 4,004 |
| Average total loans | $85,003,000 | 3,827 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 3,084 |
| Cost of funding earning assets | 0.8589% | 917 |
| Net interest margin | 3.4079% | 4,245 |
| Noninterest income to average assets | -0.2440% | 6,770 |
| Noninterest expense to average assets | 3.1367% | 2,625 |
| Loan and lease loss provision to assets | 0.5442% | 490 |
| Net operating income to assets | -1.5831% | 6,682 |
| Return on assets (ROA) | -1.5744% | 6,677 |
| Pretax return on assets | -0.8472% | 6,566 |
| Return on Equity (ROE) | -14.7107% | 6,641 |
| Retained earnings to average equity (ytd only) | -14.7107% | 6,615 |
| Net charge-offs to loans | 1.3793% | 354 |
| Credit loss provision to net charge-offs | 63.7863% | 3,457 |
| Earnings coverage of net charge-offs (x) | -0.3653% | 5,176 |
| Efficiency ratio | 111.0320% | 255 |
| Assets per employee ($millions) | 3.6963% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 2,881 |
| Loan loss allowance to noncurrent loans | 81.3884% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.5313% | 1,346 |
| Noncurrent loans to loans | 1.9307% | 2,075 |
| Net loans and leases to total assets | 59.0958% | 3,859 |
| Net loans and leases to deposits | 66.3269% | 4,260 |
| Net loans and leases to core deposits | 68.3250% | 4,474 |
| Total domestic deposits to total assets | 89.0978% | 1,558 |
| Equity capital to assets | 9.7985% | 4,044 |
| Core capital (leverage) ratio | 10.0216% | 3,530 |
| Tier 1 risk-based capital ratio | 14.4048% | 4,013 |
| Total risk-based capital ratio | 15.6558% | 3,955 |
| Memoranda: | ||
| Average total assets | $149,202,000 | 3,718 |
| Average earning assets | $134,362,800 | 3,747 |
| Average equity | $15,968,000 | 3,707 |
| Average total loans | $92,291,000 | 3,635 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 2,948 |
| Cost of funding earning assets | 0.8639% | 978 |
| Net interest margin | 3.4447% | 4,105 |
| Noninterest income to average assets | -0.2260% | 6,839 |
| Noninterest expense to average assets | 3.0465% | 2,830 |
| Loan and lease loss provision to assets | 0.5618% | 460 |
| Net operating income to assets | -0.7461% | 6,661 |
| Return on assets (ROA) | -0.7346% | 6,664 |
| Pretax return on assets | -0.7346% | 6,646 |
| Return on Equity (ROE) | -6.7279% | 6,645 |
| Retained earnings to average equity (ytd only) | -6.7279% | 6,565 |
| Net charge-offs to loans | 1.3770% | 377 |
| Credit loss provision to net charge-offs | 65.4959% | 3,168 |
| Earnings coverage of net charge-offs (x) | -0.2149% | 4,915 |
| Efficiency ratio | 106.4396% | 325 |
| Assets per employee ($millions) | 3.6824% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6733% | 2,721 |
| Loan loss allowance to noncurrent loans | 88.2493% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.7950% | 1,342 |
| Noncurrent loans to loans | 1.8961% | 2,376 |
| Net loans and leases to total assets | 60.8452% | 3,552 |
| Net loans and leases to deposits | 69.1957% | 3,907 |
| Net loans and leases to core deposits | 71.3111% | 4,175 |
| Total domestic deposits to total assets | 87.9321% | 2,175 |
| Equity capital to assets | 10.9399% | 2,816 |
| Core capital (leverage) ratio | 10.3054% | 3,237 |
| Tier 1 risk-based capital ratio | 14.8346% | 3,853 |
| Total risk-based capital ratio | 16.0876% | 3,811 |
| Memoranda: | ||
| Average total assets | $150,464,000 | 3,729 |
| Average earning assets | $134,890,000 | 3,778 |
| Average equity | $16,428,750 | 3,682 |
| Average total loans | $93,726,500 | 3,632 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 3,169 |
| Cost of funding earning assets | 0.8583% | 1,091 |
| Net interest margin | 3.3879% | 4,232 |
| Noninterest income to average assets | -0.2671% | 6,881 |
| Noninterest expense to average assets | 2.9565% | 3,141 |
| Loan and lease loss provision to assets | 0.8170% | 259 |
| Net operating income to assets | -1.0016% | 6,755 |
| Return on assets (ROA) | -0.9846% | 6,755 |
| Pretax return on assets | -0.9846% | 6,733 |
| Return on Equity (ROE) | -9.0233% | 6,724 |
| Retained earnings to average equity (ytd only) | -9.0233% | 6,639 |
| Net charge-offs to loans | 1.4893% | 357 |
| Credit loss provision to net charge-offs | 87.8873% | 2,487 |
| Earnings coverage of net charge-offs (x) | -0.1986% | 4,618 |
| Efficiency ratio | 106.6604% | 334 |
| Assets per employee ($millions) | 3.7695% | 4,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 2,333 |
| Loan loss allowance to noncurrent loans | 96.7652% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 3.0329% | 1,336 |
| Noncurrent loans to loans | 1.8914% | 2,511 |
| Net loans and leases to total assets | 61.7206% | 3,346 |
| Net loans and leases to deposits | 72.0062% | 3,444 |
| Net loans and leases to core deposits | 74.1538% | 3,787 |
| Total domestic deposits to total assets | 85.7157% | 3,518 |
| Equity capital to assets | 10.5895% | 3,184 |
| Core capital (leverage) ratio | 10.1124% | 3,349 |
| Tier 1 risk-based capital ratio | 14.0407% | 4,393 |
| Total risk-based capital ratio | 15.2953% | 4,350 |
| Memoranda: | ||
| Average total assets | $152,748,000 | 3,721 |
| Average earning assets | $137,015,670 | 3,777 |
| Average equity | $16,668,000 | 3,672 |
| Average total loans | $95,346,000 | 3,601 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 3,187 |
| Cost of funding earning assets | 0.8592% | 1,208 |
| Net interest margin | 3.3700% | 4,235 |
| Noninterest income to average assets | 0.1717% | 6,230 |
| Noninterest expense to average assets | 3.1692% | 2,455 |
| Loan and lease loss provision to assets | 1.6236% | 86 |
| Net operating income to assets | -1.6002% | 6,890 |
| Return on assets (ROA) | -1.6002% | 6,894 |
| Pretax return on assets | -1.6002% | 6,885 |
| Return on Equity (ROE) | -14.4549% | 6,861 |
| Retained earnings to average equity (ytd only) | -14.4549% | 6,734 |
| Net charge-offs to loans | 3.0370% | 113 |
| Credit loss provision to net charge-offs | 85.9504% | 2,085 |
| Earnings coverage of net charge-offs (x) | 0.0124% | 3,826 |
| Efficiency ratio | 99.2665% | 573 |
| Assets per employee ($millions) | 3.7781% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 2,471 |
| Loan loss allowance to noncurrent loans | 95.0774% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 3.3846% | 1,279 |
| Noncurrent loans to loans | 1.9378% | 2,689 |
| Net loans and leases to total assets | 60.5995% | 3,327 |
| Net loans and leases to deposits | 71.0244% | 3,323 |
| Net loans and leases to core deposits | 73.4210% | 3,648 |
| Total domestic deposits to total assets | 85.3221% | 3,884 |
| Equity capital to assets | 11.0465% | 2,908 |
| Core capital (leverage) ratio | 10.1635% | 3,194 |
| Tier 1 risk-based capital ratio | 14.4522% | 4,212 |
| Total risk-based capital ratio | 15.7070% | 4,173 |
| Memoranda: | ||
| Average total assets | $153,731,500 | 3,749 |
| Average earning assets | $137,805,500 | 3,795 |
| Average equity | $17,018,500 | 3,672 |
| Average total loans | $95,620,000 | 3,620 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 3,692 |
| Cost of funding earning assets | 0.9626% | 1,569 |
| Net interest margin | 3.4703% | 4,628 |
| Noninterest income to average assets | 0.2835% | 5,442 |
| Noninterest expense to average assets | 3.2990% | 2,337 |
| Loan and lease loss provision to assets | 0.5376% | 1,073 |
| Net operating income to assets | -0.2375% | 6,399 |
| Return on assets (ROA) | 0.0101% | 6,288 |
| Pretax return on assets | -0.0080% | 6,291 |
| Return on Equity (ROE) | 0.0859% | 6,291 |
| Retained earnings to average equity (ytd only) | 0.0859% | 5,792 |
| Net charge-offs to loans | 0.7519% | 1,556 |
| Credit loss provision to net charge-offs | 113.2768% | 2,568 |
| Earnings coverage of net charge-offs (x) | 0.3008% | 5,328 |
| Efficiency ratio | 95.8520% | 716 |
| Assets per employee ($millions) | 3.8131% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 2,418 |
| Loan loss allowance to noncurrent loans | 69.9846% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 3.6197% | 1,239 |
| Noncurrent loans to loans | 2.6567% | 1,994 |
| Net loans and leases to total assets | 61.4815% | 3,340 |
| Net loans and leases to deposits | 72.1057% | 3,397 |
| Net loans and leases to core deposits | 76.0604% | 3,524 |
| Total domestic deposits to total assets | 85.2659% | 3,731 |
| Equity capital to assets | 11.0933% | 2,839 |
| Core capital (leverage) ratio | 10.5480% | 2,709 |
| Tier 1 risk-based capital ratio | 14.4457% | 4,072 |
| Total risk-based capital ratio | 15.7007% | 4,021 |
| Memoranda: | ||
| Average total assets | $149,195,000 | 3,790 |
| Average earning assets | $135,781,400 | 3,797 |
| Average equity | $17,464,200 | 3,543 |
| Average total loans | $94,159,600 | 3,653 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 3,810 |
| Cost of funding earning assets | 0.9840% | 1,659 |
| Net interest margin | 3.4703% | 4,754 |
| Noninterest income to average assets | 0.2650% | 5,658 |
| Noninterest expense to average assets | 3.3321% | 2,182 |
| Loan and lease loss provision to assets | 0.5897% | 953 |
| Net operating income to assets | -0.4124% | 6,650 |
| Return on assets (ROA) | 0.1230% | 6,226 |
| Pretax return on assets | 0.0461% | 6,342 |
| Return on Equity (ROE) | 1.0365% | 6,238 |
| Retained earnings to average equity (ytd only) | 1.0365% | 5,753 |
| Net charge-offs to loans | 0.2603% | 3,161 |
| Credit loss provision to net charge-offs | 358.2418% | 750 |
| Earnings coverage of net charge-offs (x) | 0.6099% | 5,015 |
| Efficiency ratio | 97.0751% | 634 |
| Assets per employee ($millions) | 3.8372% | 4,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,669 |
| Loan loss allowance to noncurrent loans | 72.4843% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 3.8817% | 1,260 |
| Noncurrent loans to loans | 3.0644% | 1,816 |
| Net loans and leases to total assets | 64.6268% | 2,902 |
| Net loans and leases to deposits | 77.3916% | 2,748 |
| Net loans and leases to core deposits | 82.1002% | 2,951 |
| Total domestic deposits to total assets | 83.5062% | 4,432 |
| Equity capital to assets | 11.7668% | 2,466 |
| Core capital (leverage) ratio | 10.7134% | 2,685 |
| Tier 1 risk-based capital ratio | 14.5127% | 4,176 |
| Total risk-based capital ratio | 15.7724% | 4,140 |
| Memoranda: | ||
| Average total assets | $147,409,250 | 3,856 |
| Average earning assets | $134,547,500 | 3,861 |
| Average equity | $17,494,500 | 3,571 |
| Average total loans | $93,214,500 | 3,709 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 4,044 |
| Cost of funding earning assets | 0.9943% | 1,796 |
| Net interest margin | 3.4405% | 4,924 |
| Noninterest income to average assets | 0.3273% | 5,210 |
| Noninterest expense to average assets | 3.3410% | 2,180 |
| Loan and lease loss provision to assets | 0.7609% | 683 |
| Net operating income to assets | -0.5809% | 6,773 |
| Return on assets (ROA) | 0.1705% | 6,174 |
| Pretax return on assets | 0.1241% | 6,274 |
| Return on Equity (ROE) | 1.4321% | 6,207 |
| Retained earnings to average equity (ytd only) | 1.4321% | 5,479 |
| Net charge-offs to loans | 0.4578% | 2,230 |
| Credit loss provision to net charge-offs | 266.9856% | 1,079 |
| Earnings coverage of net charge-offs (x) | 0.4689% | 4,841 |
| Efficiency ratio | 96.1538% | 697 |
| Assets per employee ($millions) | 3.6859% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2712% | 1,639 |
| Loan loss allowance to noncurrent loans | 64.6931% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 3.9706% | 1,293 |
| Noncurrent loans to loans | 3.5107% | 1,632 |
| Net loans and leases to total assets | 60.5898% | 3,714 |
| Net loans and leases to deposits | 72.0171% | 3,606 |
| Net loans and leases to core deposits | 76.4301% | 3,726 |
| Total domestic deposits to total assets | 84.1326% | 4,260 |
| Equity capital to assets | 11.8480% | 2,272 |
| Core capital (leverage) ratio | 10.7482% | 2,542 |
| Tier 1 risk-based capital ratio | 15.3715% | 3,525 |
| Total risk-based capital ratio | 16.6306% | 3,478 |
| Memoranda: | ||
| Average total assets | $146,662,330 | 3,889 |
| Average earning assets | $134,165,330 | 3,882 |
| Average equity | $17,456,330 | 3,574 |
| Average total loans | $91,315,670 | 3,774 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 4,044 |
| Cost of funding earning assets | 1.0039% | 1,958 |
| Net interest margin | 3.4629% | 4,863 |
| Noninterest income to average assets | 0.3664% | 4,940 |
| Noninterest expense to average assets | 3.2705% | 2,384 |
| Loan and lease loss provision to assets | 0.7028% | 742 |
| Net operating income to assets | -0.3624% | 6,743 |
| Return on assets (ROA) | 0.3117% | 5,783 |
| Pretax return on assets | 0.3746% | 5,799 |
| Return on Equity (ROE) | 2.6131% | 5,861 |
| Retained earnings to average equity (ytd only) | 2.6131% | 4,953 |
| Net charge-offs to loans | 0.4032% | 2,094 |
| Credit loss provision to net charge-offs | 279.3478% | 1,049 |
| Earnings coverage of net charge-offs (x) | 1.0543% | 3,801 |
| Efficiency ratio | 92.4981% | 906 |
| Assets per employee ($millions) | 3.7720% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0914% | 2,124 |
| Loan loss allowance to noncurrent loans | 60.3894% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 3.9644% | 1,399 |
| Noncurrent loans to loans | 3.4633% | 1,803 |
| Net loans and leases to total assets | 60.2084% | 3,619 |
| Net loans and leases to deposits | 71.6492% | 3,487 |
| Net loans and leases to core deposits | 75.7414% | 3,645 |
| Total domestic deposits to total assets | 84.0322% | 4,476 |
| Equity capital to assets | 11.8620% | 2,136 |
| Core capital (leverage) ratio | 10.8273% | 2,416 |
| Tier 1 risk-based capital ratio | 15.4114% | 3,495 |
| Total risk-based capital ratio | 16.6688% | 3,461 |
| Memoranda: | ||
| Average total assets | $146,276,500 | 3,932 |
| Average earning assets | $133,877,000 | 3,914 |
| Average equity | $17,450,500 | 3,581 |
| Average total loans | $91,270,500 | 3,798 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 3,493 |
| Cost of funding earning assets | 1.0413% | 3,085 |
| Net interest margin | 3.8297% | 3,679 |
| Noninterest income to average assets | 0.3163% | 5,278 |
| Noninterest expense to average assets | 3.3903% | 2,267 |
| Loan and lease loss provision to assets | 0.7769% | 1,282 |
| Net operating income to assets | -0.1481% | 6,204 |
| Return on assets (ROA) | -0.1067% | 6,243 |
| Pretax return on assets | -0.2965% | 6,350 |
| Return on Equity (ROE) | -0.9506% | 6,240 |
| Retained earnings to average equity (ytd only) | -1.0973% | 6,021 |
| Net charge-offs to loans | 0.9961% | 1,745 |
| Credit loss provision to net charge-offs | 120.0611% | 2,654 |
| Earnings coverage of net charge-offs (x) | 0.6426% | 5,341 |
| Efficiency ratio | 89.0755% | 1,264 |
| Assets per employee ($millions) | 4.1555% | 3,537 |
| Cash dividends to net income (ytd only)* | -15.4321% | 7,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 2,645 |
| Loan loss allowance to noncurrent loans | 54.9650% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 3.9706% | 1,447 |
| Noncurrent loans to loans | 3.4124% | 1,891 |
| Net loans and leases to total assets | 62.1201% | 3,583 |
| Net loans and leases to deposits | 74.1005% | 3,488 |
| Net loans and leases to core deposits | 77.9989% | 3,692 |
| Total domestic deposits to total assets | 83.8323% | 4,393 |
| Equity capital to assets | 11.9984% | 2,127 |
| Core capital (leverage) ratio | 10.7026% | 2,523 |
| Tier 1 risk-based capital ratio | 15.4506% | 3,359 |
| Total risk-based capital ratio | 16.7064% | 3,313 |
| Memoranda: | ||
| Average total assets | $151,757,400 | 3,768 |
| Average earning assets | $138,287,000 | 3,781 |
| Average equity | $17,042,000 | 3,569 |
| Average total loans | $98,586,400 | 3,658 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 3,599 |
| Cost of funding earning assets | 1.0462% | 3,344 |
| Net interest margin | 3.8457% | 3,639 |
| Noninterest income to average assets | 0.3243% | 5,276 |
| Noninterest expense to average assets | 3.4068% | 2,173 |
| Loan and lease loss provision to assets | 0.9226% | 960 |
| Net operating income to assets | -0.2403% | 6,431 |
| Return on assets (ROA) | -0.1930% | 6,461 |
| Pretax return on assets | -0.4313% | 6,584 |
| Return on Equity (ROE) | -1.7473% | 6,456 |
| Retained earnings to average equity (ytd only) | -1.9441% | 6,293 |
| Net charge-offs to loans | 1.3012% | 1,186 |
| Credit loss provision to net charge-offs | 108.4867% | 3,044 |
| Earnings coverage of net charge-offs (x) | 0.4908% | 5,251 |
| Efficiency ratio | 89.0859% | 1,236 |
| Assets per employee ($millions) | 3.7726% | 4,359 |
| Cash dividends to net income (ytd only)* | -11.2605% | 7,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 3,236 |
| Loan loss allowance to noncurrent loans | 43.9097% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 4.4539% | 1,346 |
| Noncurrent loans to loans | 3.8969% | 1,713 |
| Net loans and leases to total assets | 63.0513% | 3,500 |
| Net loans and leases to deposits | 75.5667% | 3,393 |
| Net loans and leases to core deposits | 80.0573% | 3,629 |
| Total domestic deposits to total assets | 83.4379% | 4,508 |
| Equity capital to assets | 11.8357% | 2,387 |
| Core capital (leverage) ratio | 10.5474% | 2,813 |
| Tier 1 risk-based capital ratio | 14.8766% | 3,739 |
| Total risk-based capital ratio | 16.1304% | 3,705 |
| Memoranda: | ||
| Average total assets | $153,335,750 | 3,769 |
| Average earning assets | $139,547,000 | 3,776 |
| Average equity | $16,939,750 | 3,598 |
| Average total loans | $100,213,750 | 3,642 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9011% | 3,616 |
| Cost of funding earning assets | 1.0469% | 3,625 |
| Net interest margin | 3.8542% | 3,515 |
| Noninterest income to average assets | 0.3308% | 5,245 |
| Noninterest expense to average assets | 3.4182% | 2,211 |
| Loan and lease loss provision to assets | 0.2252% | 3,659 |
| Net operating income to assets | 0.2059% | 5,720 |
| Return on assets (ROA) | 0.2072% | 5,832 |
| Pretax return on assets | 0.1995% | 5,934 |
| Return on Equity (ROE) | 1.9188% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.9188% | 5,024 |
| Net charge-offs to loans | 0.6696% | 2,161 |
| Credit loss provision to net charge-offs | 51.1696% | 4,551 |
| Earnings coverage of net charge-offs (x) | 0.9620% | 4,578 |
| Efficiency ratio | 88.9782% | 1,322 |
| Assets per employee ($millions) | 3.7769% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 4,587 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 3.9828% | 1,612 |
| Noncurrent loans to loans | 4.1911% | 1,626 |
| Net loans and leases to total assets | 63.7246% | 3,527 |
| Net loans and leases to deposits | 75.4702% | 3,567 |
| Net loans and leases to core deposits | 80.7956% | 3,677 |
| Total domestic deposits to total assets | 84.4369% | 4,153 |
| Equity capital to assets | 11.4096% | 2,593 |
| Core capital (leverage) ratio | 11.2418% | 2,079 |
| Tier 1 risk-based capital ratio | 15.8748% | 3,047 |
| Total risk-based capital ratio | 17.1246% | 3,017 |
| Memoranda: | ||
| Average total assets | $155,404,000 | 3,759 |
| Average earning assets | $141,560,000 | 3,766 |
| Average equity | $16,781,670 | 3,610 |
| Average total loans | $102,157,330 | 3,622 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 3,846 |
| Cost of funding earning assets | 1.0601% | 3,785 |
| Net interest margin | 3.7852% | 3,676 |
| Noninterest income to average assets | 0.3452% | 5,153 |
| Noninterest expense to average assets | 3.2215% | 2,812 |
| Loan and lease loss provision to assets | 0.3173% | 2,643 |
| Net operating income to assets | 0.2389% | 5,648 |
| Return on assets (ROA) | 0.2412% | 5,710 |
| Pretax return on assets | 0.2716% | 5,744 |
| Return on Equity (ROE) | 2.2955% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.2955% | 4,776 |
| Net charge-offs to loans | 0.1532% | 3,570 |
| Credit loss provision to net charge-offs | 312.5000% | 1,030 |
| Earnings coverage of net charge-offs (x) | 5.7750% | 2,214 |
| Efficiency ratio | 84.6000% | 1,885 |
| Assets per employee ($millions) | 3.8791% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 3,933 |
| Loan loss allowance to noncurrent loans | 33.9424% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 4.1775% | 1,578 |
| Noncurrent loans to loans | 4.5837% | 1,514 |
| Net loans and leases to total assets | 65.8993% | 3,037 |
| Net loans and leases to deposits | 77.2664% | 3,198 |
| Net loans and leases to core deposits | 99.4631% | 1,384 |
| Total domestic deposits to total assets | 85.2885% | 3,890 |
| Equity capital to assets | 10.7557% | 2,923 |
| Core capital (leverage) ratio | 10.8636% | 2,303 |
| Tier 1 risk-based capital ratio | 15.0190% | 3,415 |
| Total risk-based capital ratio | 16.2707% | 3,371 |
| Memoranda: | ||
| Average total assets | $157,568,500 | 3,746 |
| Average earning assets | $144,138,500 | 3,748 |
| Average equity | $16,554,000 | 3,627 |
| Average total loans | $104,418,000 | 3,613 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 3,291 |
| Cost of funding earning assets | 1.2330% | 4,337 |
| Net interest margin | 4.0330% | 2,875 |
| Noninterest income to average assets | 0.3599% | 5,230 |
| Noninterest expense to average assets | 3.2457% | 2,931 |
| Loan and lease loss provision to assets | 0.8325% | 1,977 |
| Net operating income to assets | 0.0189% | 5,775 |
| Return on assets (ROA) | 0.2278% | 5,337 |
| Pretax return on assets | 0.1542% | 5,588 |
| Return on Equity (ROE) | 2.1479% | 5,330 |
| Retained earnings to average equity (ytd only) | 0.6764% | 5,234 |
| Net charge-offs to loans | 1.3443% | 1,660 |
| Credit loss provision to net charge-offs | 90.7407% | 5,098 |
| Earnings coverage of net charge-offs (x) | 0.8477% | 5,283 |
| Efficiency ratio | 80.6694% | 2,322 |
| Assets per employee ($millions) | 3.5550% | 4,812 |
| Cash dividends to net income (ytd only)* | 68.5083% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 4,231 |
| Loan loss allowance to noncurrent loans | 32.9815% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 3.9975% | 1,703 |
| Noncurrent loans to loans | 4.4223% | 1,615 |
| Net loans and leases to total assets | 64.6590% | 3,734 |
| Net loans and leases to deposits | 75.4695% | 3,924 |
| Net loans and leases to core deposits | 100.0087% | 1,615 |
| Total domestic deposits to total assets | 85.6757% | 3,508 |
| Equity capital to assets | 10.2636% | 3,430 |
| Core capital (leverage) ratio | 10.6404% | 2,425 |
| Tier 1 risk-based capital ratio | 14.7302% | 3,410 |
| Total risk-based capital ratio | 15.9812% | 3,369 |
| Memoranda: | ||
| Average total assets | $158,917,600 | 3,719 |
| Average earning assets | $144,359,000 | 3,736 |
| Average equity | $16,853,400 | 3,619 |
| Average total loans | $108,454,200 | 3,583 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3527% | 3,105 |
| Cost of funding earning assets | 1.2563% | 4,529 |
| Net interest margin | 4.0963% | 2,641 |
| Noninterest income to average assets | 0.3958% | 4,991 |
| Noninterest expense to average assets | 3.0951% | 3,359 |
| Loan and lease loss provision to assets | 0.9858% | 1,515 |
| Net operating income to assets | 0.0571% | 5,870 |
| Return on assets (ROA) | 0.3345% | 5,201 |
| Pretax return on assets | 0.3051% | 5,493 |
| Return on Equity (ROE) | 3.1285% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.0044% | 4,954 |
| Net charge-offs to loans | 1.4635% | 1,381 |
| Credit loss provision to net charge-offs | 97.7500% | 4,448 |
| Earnings coverage of net charge-offs (x) | 1.0050% | 5,057 |
| Efficiency ratio | 75.3324% | 3,072 |
| Assets per employee ($millions) | 3.5290% | 4,902 |
| Cash dividends to net income (ytd only)* | 35.9295% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 3,979 |
| Loan loss allowance to noncurrent loans | 103.5376% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 2.2423% | 3,146 |
| Noncurrent loans to loans | 1.4461% | 4,446 |
| Net loans and leases to total assets | 67.9007% | 3,242 |
| Net loans and leases to deposits | 80.3031% | 3,393 |
| Net loans and leases to core deposits | 107.7868% | 1,179 |
| Total domestic deposits to total assets | 84.5555% | 3,847 |
| Equity capital to assets | 10.9195% | 3,034 |
| Core capital (leverage) ratio | 10.7142% | 2,499 |
| Tier 1 risk-based capital ratio | 14.2357% | 3,677 |
| Total risk-based capital ratio | 15.4870% | 3,636 |
| Memoranda: | ||
| Average total assets | $158,653,750 | 3,784 |
| Average earning assets | $143,799,750 | 3,798 |
| Average equity | $16,962,000 | 3,645 |
| Average total loans | $109,325,750 | 3,615 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 3,153 |
| Cost of funding earning assets | 1.2466% | 4,852 |
| Net interest margin | 4.1139% | 2,489 |
| Noninterest income to average assets | 0.3884% | 5,008 |
| Noninterest expense to average assets | 3.0580% | 3,485 |
| Loan and lease loss provision to assets | 1.1765% | 1,201 |
| Net operating income to assets | 0.0652% | 5,956 |
| Return on assets (ROA) | 0.1072% | 5,960 |
| Pretax return on assets | -0.0769% | 6,225 |
| Return on Equity (ROE) | 1.0098% | 5,954 |
| Retained earnings to average equity (ytd only) | -0.6890% | 5,901 |
| Net charge-offs to loans | 0.7595% | 2,338 |
| Credit loss provision to net charge-offs | 224.8193% | 1,727 |
| Earnings coverage of net charge-offs (x) | 1.9759% | 4,042 |
| Efficiency ratio | 74.7304% | 3,323 |
| Assets per employee ($millions) | 3.5281% | 4,849 |
| Cash dividends to net income (ytd only)* | 168.2353% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0058% | 2,162 |
| Loan loss allowance to noncurrent loans | 89.2113% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 2.8092% | 2,574 |
| Noncurrent loans to loans | 2.2483% | 3,430 |
| Net loans and leases to total assets | 67.1762% | 3,578 |
| Net loans and leases to deposits | 79.1212% | 3,774 |
| Net loans and leases to core deposits | 93.4815% | 2,793 |
| Total domestic deposits to total assets | 84.9029% | 3,686 |
| Equity capital to assets | 10.5804% | 3,305 |
| Core capital (leverage) ratio | 10.6585% | 2,492 |
| Tier 1 risk-based capital ratio | 13.5838% | 4,014 |
| Total risk-based capital ratio | 14.8402% | 3,971 |
| Memoranda: | ||
| Average total assets | $158,602,670 | 3,816 |
| Average earning assets | $142,783,670 | 3,844 |
| Average equity | $16,835,670 | 3,663 |
| Average total loans | $109,277,670 | 3,655 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3631% | 3,228 |
| Cost of funding earning assets | 1.2299% | 5,231 |
| Net interest margin | 4.1332% | 2,307 |
| Noninterest income to average assets | 0.3709% | 5,180 |
| Noninterest expense to average assets | 3.1113% | 3,221 |
| Loan and lease loss provision to assets | 0.3785% | 3,097 |
| Net operating income to assets | 0.5057% | 4,366 |
| Return on assets (ROA) | 0.5400% | 4,321 |
| Pretax return on assets | 0.6359% | 4,468 |
| Return on Equity (ROE) | 5.0788% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.0788% | 3,115 |
| Net charge-offs to loans | 0.0438% | 4,982 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 32.1667% | 833 |
| Efficiency ratio | 76.1581% | 3,184 |
| Assets per employee ($millions) | 3.5864% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 3,265 |
| Loan loss allowance to noncurrent loans | 66.5437% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 3.0234% | 2,371 |
| Noncurrent loans to loans | 2.4751% | 3,193 |
| Net loans and leases to total assets | 68.2668% | 3,316 |
| Net loans and leases to deposits | 81.4254% | 3,378 |
| Net loans and leases to core deposits | 97.8082% | 2,363 |
| Total domestic deposits to total assets | 83.8397% | 4,225 |
| Equity capital to assets | 10.7586% | 2,992 |
| Core capital (leverage) ratio | 10.7712% | 2,391 |
| Tier 1 risk-based capital ratio | 13.5938% | 3,930 |
| Total risk-based capital ratio | 14.8463% | 3,893 |
| Memoranda: | ||
| Average total assets | $158,521,000 | 3,873 |
| Average earning assets | $142,455,000 | 3,904 |
| Average equity | $16,854,500 | 3,683 |
| Average total loans | $109,498,500 | 3,692 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 3,413 |
| Cost of funding earning assets | 1.4959% | 5,526 |
| Net interest margin | 4.1401% | 2,282 |
| Noninterest income to average assets | 0.4007% | 5,194 |
| Noninterest expense to average assets | 3.1869% | 3,419 |
| Loan and lease loss provision to assets | 0.8143% | 2,691 |
| Net operating income to assets | 0.1274% | 5,122 |
| Return on assets (ROA) | 0.3127% | 4,572 |
| Pretax return on assets | 0.3016% | 4,753 |
| Return on Equity (ROE) | 3.0122% | 4,492 |
| Retained earnings to average equity (ytd only) | 0.2016% | 4,792 |
| Net charge-offs to loans | 1.0370% | 2,339 |
| Credit loss provision to net charge-offs | 115.1436% | 4,741 |
| Earnings coverage of net charge-offs (x) | 1.3159% | 4,812 |
| Efficiency ratio | 77.3991% | 3,291 |
| Assets per employee ($millions) | 3.6191% | 4,735 |
| Cash dividends to net income (ytd only)* | 93.3071% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 3,617 |
| Loan loss allowance to noncurrent loans | 58.6681% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 3.1813% | 2,169 |
| Noncurrent loans to loans | 2.5925% | 2,966 |
| Net loans and leases to total assets | 67.6976% | 3,770 |
| Net loans and leases to deposits | 81.6325% | 3,673 |
| Net loans and leases to core deposits | 118.4753% | 2,079 |
| Total domestic deposits to total assets | 82.9298% | 4,552 |
| Equity capital to assets | 10.5073% | 3,170 |
| Core capital (leverage) ratio | 10.6264% | 2,485 |
| Tier 1 risk-based capital ratio | 13.2816% | 3,958 |
| Total risk-based capital ratio | 14.5326% | 3,903 |
| Memoranda: | ||
| Average total assets | $162,478,200 | 3,721 |
| Average earning assets | $145,867,200 | 3,782 |
| Average equity | $16,864,800 | 3,698 |
| Average total loans | $110,801,200 | 3,674 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6964% | 3,357 |
| Cost of funding earning assets | 1.5793% | 5,494 |
| Net interest margin | 4.1171% | 2,328 |
| Noninterest income to average assets | 0.3895% | 5,386 |
| Noninterest expense to average assets | 3.3111% | 2,872 |
| Loan and lease loss provision to assets | 0.1821% | 5,543 |
| Net operating income to assets | 0.4702% | 4,122 |
| Return on assets (ROA) | 0.5610% | 3,838 |
| Pretax return on assets | 0.7030% | 3,847 |
| Return on Equity (ROE) | 5.4206% | 3,779 |
| Retained earnings to average equity (ytd only) | 3.5507% | 3,304 |
| Net charge-offs to loans | 0.2735% | 4,335 |
| Credit loss provision to net charge-offs | 97.8070% | 5,228 |
| Earnings coverage of net charge-offs (x) | 4.1448% | 3,241 |
| Efficiency ratio | 81.1000% | 2,701 |
| Assets per employee ($millions) | 3.6089% | 4,664 |
| Cash dividends to net income (ytd only)* | 34.4975% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 4,148 |
| Loan loss allowance to noncurrent loans | 54.3725% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 3.1242% | 2,191 |
| Noncurrent loans to loans | 2.5046% | 3,007 |
| Net loans and leases to total assets | 67.7834% | 4,003 |
| Net loans and leases to deposits | 80.5523% | 4,288 |
| Net loans and leases to core deposits | 117.8479% | 2,433 |
| Total domestic deposits to total assets | 84.1483% | 3,656 |
| Equity capital to assets | 11.1738% | 2,848 |
| Core capital (leverage) ratio | 11.0374% | 2,379 |
| Tier 1 risk-based capital ratio | 13.4542% | 3,891 |
| Total risk-based capital ratio | 14.6078% | 3,898 |
| Memoranda: | ||
| Average total assets | $163,287,250 | 3,738 |
| Average earning assets | $146,475,250 | 3,787 |
| Average equity | $16,898,000 | 3,723 |
| Average total loans | $111,134,500 | 3,714 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6252% | 3,936 |
| Cost of funding earning assets | 1.6549% | 5,493 |
| Net interest margin | 3.9703% | 2,827 |
| Noninterest income to average assets | 0.4005% | 5,278 |
| Noninterest expense to average assets | 3.2163% | 3,288 |
| Loan and lease loss provision to assets | 0.0668% | 6,541 |
| Net operating income to assets | 0.5418% | 3,925 |
| Return on assets (ROA) | 0.6578% | 3,545 |
| Pretax return on assets | 0.8132% | 3,626 |
| Return on Equity (ROE) | 6.5237% | 3,425 |
| Retained earnings to average equity (ytd only) | 3.6711% | 3,254 |
| Net charge-offs to loans | 0.3291% | 3,537 |
| Credit loss provision to net charge-offs | 29.8913% | 6,033 |
| Earnings coverage of net charge-offs (x) | 3.2989% | 3,495 |
| Efficiency ratio | 81.3632% | 2,827 |
| Assets per employee ($millions) | 3.4512% | 4,944 |
| Cash dividends to net income (ytd only)* | 43.7269% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 4,748 |
| Loan loss allowance to noncurrent loans | 30.4903% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 3.6402% | 1,697 |
| Noncurrent loans to loans | 4.0316% | 1,675 |
| Net loans and leases to total assets | 68.9352% | 3,961 |
| Net loans and leases to deposits | 81.1885% | 4,361 |
| Net loans and leases to core deposits | 116.5300% | 2,662 |
| Total domestic deposits to total assets | 84.9076% | 3,311 |
| Equity capital to assets | 10.4973% | 3,404 |
| Core capital (leverage) ratio | 10.7426% | 2,614 |
| Tier 1 risk-based capital ratio | 13.1823% | 4,014 |
| Total risk-based capital ratio | 14.2269% | 4,084 |
| Memoranda: | ||
| Average total assets | $164,786,000 | 3,722 |
| Average earning assets | $147,443,330 | 3,785 |
| Average equity | $16,616,330 | 3,789 |
| Average total loans | $111,806,000 | 3,722 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7339% | 3,620 |
| Cost of funding earning assets | 1.7223% | 5,511 |
| Net interest margin | 4.0116% | 2,597 |
| Noninterest income to average assets | 0.4052% | 5,174 |
| Noninterest expense to average assets | 3.1895% | 3,036 |
| Loan and lease loss provision to assets | 0.0834% | 5,889 |
| Net operating income to assets | 0.5504% | 4,215 |
| Return on assets (ROA) | 0.7437% | 3,553 |
| Pretax return on assets | 0.9559% | 3,512 |
| Return on Equity (ROE) | 7.5217% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.5217% | 2,012 |
| Net charge-offs to loans | 0.1638% | 3,655 |
| Credit loss provision to net charge-offs | 76.0870% | 4,253 |
| Earnings coverage of net charge-offs (x) | 7.2174% | 2,375 |
| Efficiency ratio | 80.1198% | 2,801 |
| Assets per employee ($millions) | 3.5586% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 3,987 |
| Loan loss allowance to noncurrent loans | 48.2253% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 2.7447% | 2,070 |
| Noncurrent loans to loans | 2.7282% | 2,401 |
| Net loans and leases to total assets | 67.8595% | 4,170 |
| Net loans and leases to deposits | 81.9427% | 4,293 |
| Net loans and leases to core deposits | 118.1808% | 2,581 |
| Total domestic deposits to total assets | 82.8134% | 4,237 |
| Equity capital to assets | 10.2439% | 3,716 |
| Core capital (leverage) ratio | 10.3516% | 3,067 |
| Tier 1 risk-based capital ratio | 12.7382% | 4,356 |
| Total risk-based capital ratio | 13.8350% | 4,409 |
| Memoranda: | ||
| Average total assets | $167,801,500 | 3,692 |
| Average earning assets | $149,566,500 | 3,761 |
| Average equity | $16,592,000 | 3,813 |
| Average total loans | $112,309,000 | 3,735 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2609% | 4,179 |
| Cost of funding earning assets | 2.8203% | 2,629 |
| Net interest margin | 3.4406% | 5,502 |
| Noninterest income to average assets | 0.3878% | 5,579 |
| Noninterest expense to average assets | 2.8923% | 4,473 |
| Loan and lease loss provision to assets | 0.0436% | 6,871 |
| Net operating income to assets | 0.4740% | 4,854 |
| Return on assets (ROA) | 0.5997% | 4,170 |
| Pretax return on assets | 0.7430% | 4,271 |
| Return on Equity (ROE) | 6.6277% | 3,700 |
| Retained earnings to average equity (ytd only) | 2.5584% | 3,603 |
| Net charge-offs to loans | 0.0286% | 6,421 |
| Credit loss provision to net charge-offs | 242.4242% | 1,923 |
| Earnings coverage of net charge-offs (x) | 35.1212% | 1,031 |
| Efficiency ratio | 82.0838% | 2,292 |
| Assets per employee ($millions) | 3.7371% | 4,089 |
| Cash dividends to net income (ytd only)* | 61.3987% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 3,585 |
| Loan loss allowance to noncurrent loans | 66.9358% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 2,226 |
| Noncurrent loans to loans | 1.9892% | 2,777 |
| Net loans and leases to total assets | 64.3148% | 5,205 |
| Net loans and leases to deposits | 77.3111% | 5,430 |
| Net loans and leases to core deposits | 115.6605% | 3,158 |
| Total domestic deposits to total assets | 83.1897% | 3,690 |
| Equity capital to assets | 9.5488% | 4,613 |
| Core capital (leverage) ratio | 9.6928% | 3,775 |
| Tier 1 risk-based capital ratio | 12.3154% | 4,575 |
| Total risk-based capital ratio | 13.4034% | 4,591 |
| Memoranda: | ||
| Average total assets | $183,592,000 | 3,366 |
| Average earning assets | $167,324,400 | 3,370 |
| Average equity | $16,612,000 | 3,804 |
| Average total loans | $115,412,000 | 3,554 |