Home > Balboa Thrift and Loan Association > Performance and Condition Ratios
Balboa Thrift and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2916% | 110 |
| Cost of funding earning assets | 3.4143% | 81 |
| Net interest margin | 4.8772% | 374 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 3.5604% | 538 |
| Loan and lease loss provision to assets | 1.1600% | 54 |
| Net operating income to assets | 0.0157% | 4,318 |
| Return on assets (ROA) | 0.0157% | 4,343 |
| Pretax return on assets | 0.0708% | 4,298 |
| Return on Equity (ROE) | 0.1200% | 4,334 |
| Retained earnings to average equity (ytd only) | 0.1201% | 4,020 |
| Net charge-offs to loans | 1.4467% | 63 |
| Credit loss provision to net charge-offs | 84.4251% | 1,990 |
| Earnings coverage of net charge-offs (x) | 0.9082% | 2,788 |
| Efficiency ratio | 74.3632% | 1,416 |
| Assets per employee ($millions) | 4.6030% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3624% | 228 |
| Loan loss allowance to noncurrent loans | 548.5802% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 1,388 |
| Noncurrent loans to loans | 0.4306% | 1,705 |
| Net loans and leases to total assets | 90.6800% | 30 |
| Net loans and leases to deposits | 103.9491% | 363 |
| Net loans and leases to core deposits | 168.1042% | 125 |
| Total domestic deposits to total assets | 87.2300% | 1,607 |
| Equity capital to assets | 12.1784% | 1,075 |
| Core capital (leverage) ratio | 12.4026% | 1,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $382,909,400 | 2,069 |
| Average earning assets | $360,245,000 | 2,042 |
| Average equity | $49,943,000 | 1,610 |
| Average total loans | $357,702,600 | 1,587 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2013% | 105 |
| Cost of funding earning assets | 3.2227% | 93 |
| Net interest margin | 4.9786% | 314 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 3.6398% | 470 |
| Loan and lease loss provision to assets | 1.1600% | 49 |
| Net operating income to assets | 0.0265% | 4,360 |
| Return on assets (ROA) | 0.0265% | 4,381 |
| Pretax return on assets | 0.0897% | 4,351 |
| Return on Equity (ROE) | 0.2000% | 4,370 |
| Retained earnings to average equity (ytd only) | 0.1996% | 4,077 |
| Net charge-offs to loans | 1.4746% | 58 |
| Credit loss provision to net charge-offs | 84.3790% | 1,732 |
| Earnings coverage of net charge-offs (x) | 0.9088% | 2,556 |
| Efficiency ratio | 74.3773% | 1,329 |
| Assets per employee ($millions) | 4.3758% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4669% | 205 |
| Loan loss allowance to noncurrent loans | 710.6416% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 1,726 |
| Noncurrent loans to loans | 0.3471% | 1,981 |
| Net loans and leases to total assets | 91.1800% | 24 |
| Net loans and leases to deposits | 105.0084% | 320 |
| Net loans and leases to core deposits | 167.9690% | 77 |
| Total domestic deposits to total assets | 86.8300% | 1,942 |
| Equity capital to assets | 12.5297% | 913 |
| Core capital (leverage) ratio | 12.6756% | 1,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $377,371,000 | 2,092 |
| Average earning assets | $354,064,500 | 2,073 |
| Average equity | $50,096,250 | 1,592 |
| Average total loans | $353,081,250 | 1,601 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1330% | 100 |
| Cost of funding earning assets | 2.9900% | 83 |
| Net interest margin | 5.1430% | 261 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 3.5501% | 508 |
| Loan and lease loss provision to assets | 0.7600% | 96 |
| Net operating income to assets | 0.5569% | 3,683 |
| Return on assets (ROA) | 0.5569% | 3,689 |
| Pretax return on assets | 0.7400% | 3,523 |
| Return on Equity (ROE) | 4.0000% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.0021% | 3,207 |
| Net charge-offs to loans | 1.3900% | 60 |
| Credit loss provision to net charge-offs | 58.9500% | 1,638 |
| Earnings coverage of net charge-offs (x) | 1.1608% | 2,380 |
| Efficiency ratio | 70.2479% | 1,744 |
| Assets per employee ($millions) | 4.1778% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 925 |
| Loan loss allowance to noncurrent loans | 492.5641% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 1,700 |
| Noncurrent loans to loans | 0.3259% | 1,965 |
| Net loans and leases to total assets | 91.9100% | 18 |
| Net loans and leases to deposits | 107.1645% | 272 |
| Net loans and leases to core deposits | 172.0846% | 75 |
| Total domestic deposits to total assets | 85.7700% | 2,309 |
| Equity capital to assets | 13.5927% | 705 |
| Core capital (leverage) ratio | 13.7910% | 811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $373,513,000 | 2,111 |
| Average earning assets | $349,097,667 | 2,102 |
| Average equity | $51,972,667 | 1,550 |
| Average total loans | $348,058,000 | 1,607 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9796% | 62 |
| Cost of funding earning assets | 2.8030% | 57 |
| Net interest margin | 5.1765% | 228 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 3.5263% | 521 |
| Loan and lease loss provision to assets | 0.4800% | 162 |
| Net operating income to assets | 0.8791% | 2,924 |
| Return on assets (ROA) | 0.8791% | 2,879 |
| Pretax return on assets | 1.0878% | 2,741 |
| Return on Equity (ROE) | 6.2400% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.2427% | 2,697 |
| Net charge-offs to loans | 1.5810% | 49 |
| Credit loss provision to net charge-offs | 32.9394% | 1,343 |
| Earnings coverage of net charge-offs (x) | 1.0687% | 1,987 |
| Efficiency ratio | 69.1603% | 1,840 |
| Assets per employee ($millions) | 4.1912% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6798% | 860 |
| Loan loss allowance to noncurrent loans | 539.9815% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 1,706 |
| Noncurrent loans to loans | 0.3111% | 2,032 |
| Net loans and leases to total assets | 91.7600% | 17 |
| Net loans and leases to deposits | 107.4781% | 221 |
| Net loans and leases to core deposits | 169.1794% | 71 |
| Total domestic deposits to total assets | 85.3800% | 2,750 |
| Equity capital to assets | 13.9443% | 606 |
| Core capital (leverage) ratio | 14.0671% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $368,089,500 | 2,162 |
| Average earning assets | $343,627,000 | 2,159 |
| Average equity | $51,836,500 | 1,570 |
| Average total loans | $342,571,000 | 1,643 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1886% | 27 |
| Cost of funding earning assets | 1.4583% | 31 |
| Net interest margin | 6.7303% | 37 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 4.2857% | 276 |
| Loan and lease loss provision to assets | 0.7200% | 69 |
| Net operating income to assets | 1.0705% | 2,300 |
| Return on assets (ROA) | 1.0705% | 2,238 |
| Pretax return on assets | 1.5745% | 1,225 |
| Return on Equity (ROE) | 6.8500% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.4716% | 2,845 |
| Net charge-offs to loans | 1.2495% | 55 |
| Credit loss provision to net charge-offs | 61.9841% | 1,764 |
| Earnings coverage of net charge-offs (x) | 1.9728% | 2,523 |
| Efficiency ratio | 65.1167% | 2,348 |
| Assets per employee ($millions) | 4.0805% | 4,252 |
| Cash dividends to net income (ytd only)* | 20.1323% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8700% | 570 |
| Loan loss allowance to noncurrent loans | 594.5283% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 1,687 |
| Noncurrent loans to loans | 0.3145% | 2,022 |
| Net loans and leases to total assets | 91.0600% | 24 |
| Net loans and leases to deposits | 107.1239% | 221 |
| Net loans and leases to core deposits | 166.4543% | 57 |
| Total domestic deposits to total assets | 85.0000% | 2,992 |
| Equity capital to assets | 14.2246% | 554 |
| Core capital (leverage) ratio | 15.0938% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $324,800,000 | 2,326 |
| Average earning assets | $305,828,000 | 2,307 |
| Average equity | $50,752,600 | 1,599 |
| Average total loans | $302,530,600 | 1,710 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2493% | 22 |
| Cost of funding earning assets | 1.1159% | 23 |
| Net interest margin | 7.1335% | 27 |
| Noninterest income to average assets | 0.2171% | 3,899 |
| Noninterest expense to average assets | 4.1146% | 264 |
| Loan and lease loss provision to assets | 0.6268% | 79 |
| Net operating income to assets | 1.4934% | 724 |
| Return on assets (ROA) | 1.4934% | 703 |
| Pretax return on assets | 2.1765% | 257 |
| Return on Equity (ROE) | 9.2272% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.2272% | 1,220 |
| Net charge-offs to loans | 0.8383% | 78 |
| Credit loss provision to net charge-offs | 80.5648% | 1,387 |
| Earnings coverage of net charge-offs (x) | 3.6030% | 1,989 |
| Efficiency ratio | 59.4769% | 3,368 |
| Assets per employee ($millions) | 3.5871% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5763% | 231 |
| Loan loss allowance to noncurrent loans | 690.5244% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 1,593 |
| Noncurrent loans to loans | 0.3731% | 2,027 |
| Net loans and leases to total assets | 92.0114% | 8 |
| Net loans and leases to deposits | 110.5746% | 89 |
| Net loans and leases to core deposits | 143.9481% | 68 |
| Total domestic deposits to total assets | 83.2120% | 3,836 |
| Equity capital to assets | 16.5948% | 301 |
| Core capital (leverage) ratio | 16.7215% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,486,333 | 2,436 |
| Average earning assets | $290,714,333 | 2,427 |
| Average equity | $50,091,000 | 1,684 |
| Average total loans | $287,244,000 | 1,768 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2162% | 24 |
| Cost of funding earning assets | 1.1240% | 18 |
| Net interest margin | 7.0922% | 28 |
| Noninterest income to average assets | 0.2181% | 3,851 |
| Noninterest expense to average assets | 3.8273% | 314 |
| Loan and lease loss provision to assets | 0.6078% | 74 |
| Net operating income to assets | 1.6981% | 415 |
| Return on assets (ROA) | 1.6981% | 417 |
| Pretax return on assets | 2.4595% | 191 |
| Return on Equity (ROE) | 10.6258% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.6258% | 864 |
| Net charge-offs to loans | 0.7826% | 90 |
| Credit loss provision to net charge-offs | 84.4086% | 1,099 |
| Earnings coverage of net charge-offs (x) | 4.2599% | 1,631 |
| Efficiency ratio | 55.5119% | 3,921 |
| Assets per employee ($millions) | 3.5068% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6718% | 235 |
| Loan loss allowance to noncurrent loans | 742.9126% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 1,758 |
| Noncurrent loans to loans | 0.3596% | 2,194 |
| Net loans and leases to total assets | 91.3659% | 6 |
| Net loans and leases to deposits | 109.5328% | 72 |
| Net loans and leases to core deposits | 143.8099% | 50 |
| Total domestic deposits to total assets | 83.4142% | 3,878 |
| Equity capital to assets | 16.4533% | 290 |
| Core capital (leverage) ratio | 16.1445% | 333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,985,500 | 2,450 |
| Average earning assets | $291,814,500 | 2,439 |
| Average equity | $49,540,000 | 1,752 |
| Average total loans | $285,191,000 | 1,769 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5791% | 23 |
| Cost of funding earning assets | 1.3142% | 17 |
| Net interest margin | 7.2649% | 29 |
| Noninterest income to average assets | 0.2279% | 4,014 |
| Noninterest expense to average assets | 3.6380% | 408 |
| Loan and lease loss provision to assets | 0.8184% | 52 |
| Net operating income to assets | 1.7408% | 581 |
| Return on assets (ROA) | 1.7408% | 603 |
| Pretax return on assets | 2.5102% | 251 |
| Return on Equity (ROE) | 12.1308% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.6265% | 777 |
| Net charge-offs to loans | 0.5028% | 164 |
| Credit loss provision to net charge-offs | 180.1765% | 1,365 |
| Earnings coverage of net charge-offs (x) | 7.3279% | 2,347 |
| Efficiency ratio | 52.2199% | 4,095 |
| Assets per employee ($millions) | 3.5380% | 4,576 |
| Cash dividends to net income (ytd only)* | 12.4004% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7252% | 204 |
| Loan loss allowance to noncurrent loans | 938.0606% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2620% | 2,238 |
| Noncurrent loans to loans | 0.2905% | 2,549 |
| Net loans and leases to total assets | 87.7292% | 36 |
| Net loans and leases to deposits | 104.1766% | 129 |
| Net loans and leases to core deposits | 137.2914% | 74 |
| Total domestic deposits to total assets | 84.2120% | 3,502 |
| Equity capital to assets | 15.5241% | 431 |
| Core capital (leverage) ratio | 15.3325% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,271,600 | 2,322 |
| Average earning assets | $300,790,600 | 2,330 |
| Average equity | $46,534,400 | 1,874 |
| Average total loans | $292,945,200 | 1,733 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5191% | 23 |
| Cost of funding earning assets | 1.3474% | 16 |
| Net interest margin | 7.1717% | 31 |
| Noninterest income to average assets | 0.2286% | 4,036 |
| Noninterest expense to average assets | 3.4412% | 504 |
| Loan and lease loss provision to assets | 0.8833% | 47 |
| Net operating income to assets | 1.7667% | 721 |
| Return on assets (ROA) | 1.7667% | 751 |
| Pretax return on assets | 2.5460% | 321 |
| Return on Equity (ROE) | 12.5589% | 1,846 |
| Retained earnings to average equity (ytd only) | 12.5589% | 711 |
| Net charge-offs to loans | 0.5285% | 148 |
| Credit loss provision to net charge-offs | 184.9573% | 1,246 |
| Earnings coverage of net charge-offs (x) | 7.1803% | 2,152 |
| Efficiency ratio | 50.0862% | 4,215 |
| Assets per employee ($millions) | 3.5994% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6296% | 233 |
| Loan loss allowance to noncurrent loans | 1,277.8342% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,881 |
| Noncurrent loans to loans | 0.2058% | 3,130 |
| Net loans and leases to total assets | 87.2936% | 47 |
| Net loans and leases to deposits | 103.0608% | 169 |
| Net loans and leases to core deposits | 134.3107% | 100 |
| Total domestic deposits to total assets | 84.7011% | 3,219 |
| Equity capital to assets | 15.0667% | 530 |
| Core capital (leverage) ratio | 14.8442% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,620,000 | 2,338 |
| Average earning assets | $302,498,250 | 2,347 |
| Average equity | $45,947,500 | 1,916 |
| Average total loans | $295,186,750 | 1,761 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4633% | 23 |
| Cost of funding earning assets | 1.3798% | 17 |
| Net interest margin | 7.0835% | 32 |
| Noninterest income to average assets | 0.2373% | 3,985 |
| Noninterest expense to average assets | 3.3713% | 558 |
| Loan and lease loss provision to assets | 1.2668% | 25 |
| Net operating income to assets | 1.5010% | 1,288 |
| Return on assets (ROA) | 1.5010% | 1,352 |
| Pretax return on assets | 2.1648% | 614 |
| Return on Equity (ROE) | 10.9220% | 2,449 |
| Retained earnings to average equity (ytd only) | 10.9220% | 1,144 |
| Net charge-offs to loans | 0.4754% | 176 |
| Credit loss provision to net charge-offs | 294.0678% | 901 |
| Earnings coverage of net charge-offs (x) | 7.9661% | 1,904 |
| Efficiency ratio | 49.5573% | 4,266 |
| Assets per employee ($millions) | 3.5181% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6922% | 215 |
| Loan loss allowance to noncurrent loans | 1,659.4142% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 3,261 |
| Noncurrent loans to loans | 0.1622% | 3,401 |
| Net loans and leases to total assets | 88.5779% | 30 |
| Net loans and leases to deposits | 103.6902% | 187 |
| Net loans and leases to core deposits | 135.0028% | 103 |
| Total domestic deposits to total assets | 85.4255% | 2,931 |
| Equity capital to assets | 14.3372% | 652 |
| Core capital (leverage) ratio | 13.9623% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,712,333 | 2,317 |
| Average earning assets | $304,679,000 | 2,325 |
| Average equity | $45,175,000 | 1,924 |
| Average total loans | $297,852,000 | 1,758 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3056% | 24 |
| Cost of funding earning assets | 1.4100% | 23 |
| Net interest margin | 6.8956% | 37 |
| Noninterest income to average assets | 0.2415% | 3,950 |
| Noninterest expense to average assets | 3.0141% | 970 |
| Loan and lease loss provision to assets | 1.4745% | 20 |
| Net operating income to assets | 1.5047% | 1,322 |
| Return on assets (ROA) | 1.5047% | 1,380 |
| Pretax return on assets | 2.1664% | 725 |
| Return on Equity (ROE) | 11.1848% | 2,308 |
| Retained earnings to average equity (ytd only) | 11.1848% | 1,358 |
| Net charge-offs to loans | 0.6451% | 124 |
| Credit loss provision to net charge-offs | 252.7950% | 814 |
| Earnings coverage of net charge-offs (x) | 6.2422% | 1,651 |
| Efficiency ratio | 45.2912% | 4,511 |
| Assets per employee ($millions) | 3.8180% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4265% | 297 |
| Loan loss allowance to noncurrent loans | 1,293.6170% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 3,332 |
| Noncurrent loans to loans | 0.1876% | 3,434 |
| Net loans and leases to total assets | 86.3386% | 81 |
| Net loans and leases to deposits | 99.9047% | 288 |
| Net loans and leases to core deposits | 128.8989% | 153 |
| Total domestic deposits to total assets | 86.4210% | 2,565 |
| Equity capital to assets | 13.2970% | 834 |
| Core capital (leverage) ratio | 13.6828% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,238,000 | 2,276 |
| Average earning assets | $308,081,500 | 2,286 |
| Average equity | $44,560,500 | 1,933 |
| Average total loans | $299,466,000 | 1,753 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6263% | 23 |
| Cost of funding earning assets | 1.9451% | 11 |
| Net interest margin | 6.6813% | 28 |
| Noninterest income to average assets | 0.2308% | 4,118 |
| Noninterest expense to average assets | 3.4272% | 764 |
| Loan and lease loss provision to assets | 1.6081% | 40 |
| Net operating income to assets | 1.0159% | 2,235 |
| Return on assets (ROA) | 1.0159% | 2,376 |
| Pretax return on assets | 1.4681% | 1,443 |
| Return on Equity (ROE) | 7.8387% | 2,874 |
| Retained earnings to average equity (ytd only) | 6.8952% | 1,431 |
| Net charge-offs to loans | 1.2296% | 93 |
| Credit loss provision to net charge-offs | 140.7170% | 2,479 |
| Earnings coverage of net charge-offs (x) | 2.6918% | 3,140 |
| Efficiency ratio | 52.6984% | 4,333 |
| Assets per employee ($millions) | 3.7520% | 4,534 |
| Cash dividends to net income (ytd only)* | 12.0373% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1988% | 413 |
| Loan loss allowance to noncurrent loans | 1,842.1348% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 3,745 |
| Noncurrent loans to loans | 0.1194% | 3,807 |
| Net loans and leases to total assets | 90.4001% | 25 |
| Net loans and leases to deposits | 105.1384% | 242 |
| Net loans and leases to core deposits | 136.6695% | 146 |
| Total domestic deposits to total assets | 85.9820% | 2,374 |
| Equity capital to assets | 13.6167% | 893 |
| Core capital (leverage) ratio | 13.3354% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,085,600 | 2,152 |
| Average earning assets | $307,082,800 | 2,133 |
| Average equity | $42,392,000 | 1,929 |
| Average total loans | $304,002,600 | 1,669 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5437% | 26 |
| Cost of funding earning assets | 2.0340% | 9 |
| Net interest margin | 6.5096% | 31 |
| Noninterest income to average assets | 0.2332% | 4,101 |
| Noninterest expense to average assets | 3.2391% | 1,001 |
| Loan and lease loss provision to assets | 1.7002% | 48 |
| Net operating income to assets | 0.9775% | 2,421 |
| Return on assets (ROA) | 0.9775% | 2,562 |
| Pretax return on assets | 1.4126% | 1,684 |
| Return on Equity (ROE) | 7.6369% | 2,941 |
| Retained earnings to average equity (ytd only) | 7.6369% | 1,447 |
| Net charge-offs to loans | 1.2401% | 101 |
| Credit loss provision to net charge-offs | 147.3073% | 2,342 |
| Earnings coverage of net charge-offs (x) | 2.6969% | 2,967 |
| Efficiency ratio | 50.9946% | 4,420 |
| Assets per employee ($millions) | 3.7689% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0915% | 426 |
| Loan loss allowance to noncurrent loans | 959.3985% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,435 |
| Noncurrent loans to loans | 0.2180% | 3,513 |
| Net loans and leases to total assets | 90.0483% | 38 |
| Net loans and leases to deposits | 104.0472% | 384 |
| Net loans and leases to core deposits | 135.3189% | 187 |
| Total domestic deposits to total assets | 86.5457% | 1,840 |
| Equity capital to assets | 13.0916% | 1,141 |
| Core capital (leverage) ratio | 13.0955% | 924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $328,189,250 | 2,126 |
| Average earning assets | $308,478,250 | 2,105 |
| Average equity | $42,005,750 | 1,934 |
| Average total loans | $305,440,000 | 1,662 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4400% | 29 |
| Cost of funding earning assets | 2.1207% | 9 |
| Net interest margin | 6.3193% | 51 |
| Noninterest income to average assets | 0.2299% | 4,109 |
| Noninterest expense to average assets | 3.2602% | 1,060 |
| Loan and lease loss provision to assets | 1.8873% | 57 |
| Net operating income to assets | 0.7186% | 3,326 |
| Return on assets (ROA) | 0.7186% | 3,435 |
| Pretax return on assets | 1.0488% | 2,878 |
| Return on Equity (ROE) | 5.6580% | 3,614 |
| Retained earnings to average equity (ytd only) | 5.6580% | 2,209 |
| Net charge-offs to loans | 1.6474% | 81 |
| Credit loss provision to net charge-offs | 122.6063% | 2,266 |
| Earnings coverage of net charge-offs (x) | 1.9074% | 2,819 |
| Efficiency ratio | 52.6155% | 4,314 |
| Assets per employee ($millions) | 3.7657% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 626 |
| Loan loss allowance to noncurrent loans | 604.5307% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 3,193 |
| Noncurrent loans to loans | 0.3015% | 3,310 |
| Net loans and leases to total assets | 92.1310% | 11 |
| Net loans and leases to deposits | 106.3031% | 313 |
| Net loans and leases to core deposits | 135.9536% | 200 |
| Total domestic deposits to total assets | 86.6682% | 1,748 |
| Equity capital to assets | 12.8776% | 1,217 |
| Core capital (leverage) ratio | 12.8210% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,031,333 | 2,106 |
| Average earning assets | $308,767,000 | 2,082 |
| Average equity | $41,534,333 | 1,933 |
| Average total loans | $305,574,333 | 1,644 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4829% | 34 |
| Cost of funding earning assets | 2.1895% | 13 |
| Net interest margin | 6.2934% | 50 |
| Noninterest income to average assets | 0.2522% | 4,040 |
| Noninterest expense to average assets | 3.1903% | 1,446 |
| Loan and lease loss provision to assets | 2.2881% | 54 |
| Net operating income to assets | 0.4713% | 3,966 |
| Return on assets (ROA) | 0.4713% | 4,018 |
| Pretax return on assets | 0.7100% | 3,652 |
| Return on Equity (ROE) | 3.7372% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.7372% | 2,789 |
| Net charge-offs to loans | 2.1941% | 62 |
| Credit loss provision to net charge-offs | 111.8492% | 1,744 |
| Earnings coverage of net charge-offs (x) | 1.4656% | 2,385 |
| Efficiency ratio | 51.5529% | 4,577 |
| Assets per employee ($millions) | 3.6240% | 4,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7162% | 852 |
| Loan loss allowance to noncurrent loans | 569.4233% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.2787% | 3,333 |
| Noncurrent loans to loans | 0.3014% | 3,421 |
| Net loans and leases to total assets | 90.8725% | 22 |
| Net loans and leases to deposits | 104.3229% | 355 |
| Net loans and leases to core deposits | 136.0813% | 201 |
| Total domestic deposits to total assets | 87.1069% | 1,517 |
| Equity capital to assets | 12.5537% | 1,701 |
| Core capital (leverage) ratio | 12.6352% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,739,000 | 2,053 |
| Average earning assets | $308,195,500 | 2,033 |
| Average equity | $41,207,000 | 1,944 |
| Average total loans | $304,641,500 | 1,622 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4686% | 40 |
| Cost of funding earning assets | 2.2381% | 20 |
| Net interest margin | 6.2305% | 54 |
| Noninterest income to average assets | 0.2567% | 4,143 |
| Noninterest expense to average assets | 3.5984% | 853 |
| Loan and lease loss provision to assets | 1.6838% | 54 |
| Net operating income to assets | 0.5648% | 4,258 |
| Return on assets (ROA) | 0.5648% | 4,309 |
| Pretax return on assets | 0.8481% | 3,882 |
| Return on Equity (ROE) | 4.4304% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.6853% | 3,152 |
| Net charge-offs to loans | 1.5509% | 87 |
| Credit loss provision to net charge-offs | 116.4405% | 2,169 |
| Earnings coverage of net charge-offs (x) | 1.7509% | 3,500 |
| Efficiency ratio | 58.6987% | 3,880 |
| Assets per employee ($millions) | 3.6784% | 4,288 |
| Cash dividends to net income (ytd only)* | 16.8161% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 874 |
| Loan loss allowance to noncurrent loans | 653.8961% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 3,492 |
| Noncurrent loans to loans | 0.2530% | 3,542 |
| Net loans and leases to total assets | 92.4738% | 14 |
| Net loans and leases to deposits | 106.2787% | 291 |
| Net loans and leases to core deposits | 137.2481% | 197 |
| Total domestic deposits to total assets | 87.0107% | 1,605 |
| Equity capital to assets | 12.6705% | 1,722 |
| Core capital (leverage) ratio | 12.6349% | 1,415 |
| Tier 1 risk-based capital ratio | 13.2263% | 3,665 |
| Total risk-based capital ratio | 14.4810% | 3,556 |
| Memoranda: | ||
| Average total assets | $315,886,600 | 2,065 |
| Average earning assets | $297,793,600 | 2,042 |
| Average equity | $40,267,600 | 1,922 |
| Average total loans | $294,530,800 | 1,631 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2552% | 42 |
| Cost of funding earning assets | 2.2196% | 22 |
| Net interest margin | 6.0356% | 64 |
| Noninterest income to average assets | 0.2459% | 4,266 |
| Noninterest expense to average assets | 3.5484% | 903 |
| Loan and lease loss provision to assets | 1.5281% | 55 |
| Net operating income to assets | 0.5627% | 4,381 |
| Return on assets (ROA) | 0.5627% | 4,429 |
| Pretax return on assets | 0.8456% | 4,023 |
| Return on Equity (ROE) | 4.4076% | 4,503 |
| Retained earnings to average equity (ytd only) | 3.4097% | 3,705 |
| Net charge-offs to loans | 1.4014% | 96 |
| Credit loss provision to net charge-offs | 117.1987% | 1,997 |
| Earnings coverage of net charge-offs (x) | 1.8205% | 3,252 |
| Efficiency ratio | 59.9182% | 3,663 |
| Assets per employee ($millions) | 3.7790% | 4,186 |
| Cash dividends to net income (ytd only)* | 22.6415% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5977% | 1,000 |
| Loan loss allowance to noncurrent loans | 620.1031% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,613 |
| Noncurrent loans to loans | 0.2576% | 3,622 |
| Net loans and leases to total assets | 91.1919% | 25 |
| Net loans and leases to deposits | 104.5511% | 384 |
| Net loans and leases to core deposits | 134.3780% | 249 |
| Total domestic deposits to total assets | 87.2224% | 1,420 |
| Equity capital to assets | 12.4785% | 1,925 |
| Core capital (leverage) ratio | 12.4893% | 1,574 |
| Tier 1 risk-based capital ratio | 13.1974% | 3,740 |
| Total risk-based capital ratio | 14.4512% | 3,648 |
| Memoranda: | ||
| Average total assets | $313,934,250 | 2,091 |
| Average earning assets | $295,239,500 | 2,066 |
| Average equity | $40,081,000 | 1,933 |
| Average total loans | $292,071,250 | 1,650 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1446% | 45 |
| Cost of funding earning assets | 2.1540% | 26 |
| Net interest margin | 5.9906% | 67 |
| Noninterest income to average assets | 0.2540% | 4,236 |
| Noninterest expense to average assets | 3.6171% | 836 |
| Loan and lease loss provision to assets | 1.5265% | 54 |
| Net operating income to assets | 0.4925% | 4,534 |
| Return on assets (ROA) | 0.4925% | 4,571 |
| Pretax return on assets | 0.7452% | 4,226 |
| Return on Equity (ROE) | 3.8274% | 4,623 |
| Retained earnings to average equity (ytd only) | 3.8274% | 3,334 |
| Net charge-offs to loans | 1.3971% | 85 |
| Credit loss provision to net charge-offs | 117.2858% | 1,773 |
| Earnings coverage of net charge-offs (x) | 1.7454% | 2,998 |
| Efficiency ratio | 61.4231% | 3,520 |
| Assets per employee ($millions) | 3.4269% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 1,115 |
| Loan loss allowance to noncurrent loans | 729.6063% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 3,771 |
| Noncurrent loans to loans | 0.2140% | 3,776 |
| Net loans and leases to total assets | 92.6404% | 16 |
| Net loans and leases to deposits | 106.5699% | 318 |
| Net loans and leases to core deposits | 132.7761% | 276 |
| Total domestic deposits to total assets | 86.9292% | 1,629 |
| Equity capital to assets | 12.7805% | 1,699 |
| Core capital (leverage) ratio | 12.8026% | 1,400 |
| Tier 1 risk-based capital ratio | 13.3390% | 3,668 |
| Total risk-based capital ratio | 14.5923% | 3,561 |
| Memoranda: | ||
| Average total assets | $310,246,330 | 2,118 |
| Average earning assets | $291,823,670 | 2,089 |
| Average equity | $39,923,000 | 1,937 |
| Average total loans | $289,033,670 | 1,666 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0090% | 48 |
| Cost of funding earning assets | 2.0850% | 36 |
| Net interest margin | 5.9240% | 76 |
| Noninterest income to average assets | 0.2626% | 4,130 |
| Noninterest expense to average assets | 3.4238% | 1,077 |
| Loan and lease loss provision to assets | 1.5650% | 51 |
| Net operating income to assets | 0.5394% | 4,406 |
| Return on assets (ROA) | 0.5394% | 4,435 |
| Pretax return on assets | 0.8098% | 4,015 |
| Return on Equity (ROE) | 4.1774% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.1774% | 3,251 |
| Net charge-offs to loans | 1.4881% | 82 |
| Credit loss provision to net charge-offs | 113.4779% | 1,468 |
| Earnings coverage of net charge-offs (x) | 1.7220% | 2,564 |
| Efficiency ratio | 59.0451% | 3,946 |
| Assets per employee ($millions) | 3.3506% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,225 |
| Loan loss allowance to noncurrent loans | 608.9409% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 3,688 |
| Noncurrent loans to loans | 0.2520% | 3,663 |
| Net loans and leases to total assets | 91.1661% | 30 |
| Net loans and leases to deposits | 104.8947% | 364 |
| Net loans and leases to core deposits | 128.4135% | 329 |
| Total domestic deposits to total assets | 86.9120% | 1,860 |
| Equity capital to assets | 12.8191% | 1,555 |
| Core capital (leverage) ratio | 13.0206% | 1,267 |
| Tier 1 risk-based capital ratio | 13.4923% | 3,605 |
| Total risk-based capital ratio | 14.7451% | 3,515 |
| Memoranda: | ||
| Average total assets | $307,731,500 | 2,150 |
| Average earning assets | $287,578,000 | 2,128 |
| Average equity | $39,737,500 | 1,931 |
| Average total loans | $285,197,500 | 1,693 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2327% | 39 |
| Cost of funding earning assets | 1.6858% | 46 |
| Net interest margin | 6.5469% | 47 |
| Noninterest income to average assets | 0.2382% | 4,490 |
| Noninterest expense to average assets | 3.9245% | 588 |
| Loan and lease loss provision to assets | 1.5823% | 41 |
| Net operating income to assets | 0.5492% | 4,551 |
| Return on assets (ROA) | 0.5492% | 4,545 |
| Pretax return on assets | 0.8339% | 4,083 |
| Return on Equity (ROE) | 4.0054% | 4,709 |
| Retained earnings to average equity (ytd only) | 3.2356% | 3,787 |
| Net charge-offs to loans | 1.4402% | 78 |
| Credit loss provision to net charge-offs | 117.6609% | 2,208 |
| Earnings coverage of net charge-offs (x) | 1.7967% | 3,591 |
| Efficiency ratio | 61.8945% | 3,550 |
| Assets per employee ($millions) | 3.3028% | 4,739 |
| Cash dividends to net income (ytd only)* | 19.2184% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,230 |
| Loan loss allowance to noncurrent loans | 531.5136% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 3,523 |
| Noncurrent loans to loans | 0.2859% | 3,541 |
| Net loans and leases to total assets | 91.3604% | 36 |
| Net loans and leases to deposits | 105.3917% | 395 |
| Net loans and leases to core deposits | 127.7085% | 361 |
| Total domestic deposits to total assets | 86.6865% | 1,926 |
| Equity capital to assets | 13.0094% | 1,341 |
| Core capital (leverage) ratio | 13.1991% | 1,178 |
| Tier 1 risk-based capital ratio | 13.6815% | 3,448 |
| Total risk-based capital ratio | 14.9344% | 3,370 |
| Memoranda: | ||
| Average total assets | $284,211,400 | 2,241 |
| Average earning assets | $264,918,200 | 2,229 |
| Average equity | $38,972,800 | 1,907 |
| Average total loans | $265,371,000 | 1,755 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0756% | 40 |
| Cost of funding earning assets | 1.5886% | 47 |
| Net interest margin | 6.4869% | 51 |
| Noninterest income to average assets | 0.2411% | 4,531 |
| Noninterest expense to average assets | 3.9025% | 590 |
| Loan and lease loss provision to assets | 1.5462% | 44 |
| Net operating income to assets | 0.5423% | 4,667 |
| Return on assets (ROA) | 0.5423% | 4,674 |
| Pretax return on assets | 0.8273% | 4,227 |
| Return on Equity (ROE) | 3.9003% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.9003% | 3,820 |
| Net charge-offs to loans | 1.3821% | 89 |
| Credit loss provision to net charge-offs | 119.6086% | 1,992 |
| Earnings coverage of net charge-offs (x) | 1.8360% | 3,308 |
| Efficiency ratio | 62.1815% | 3,481 |
| Assets per employee ($millions) | 3.2715% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,373 |
| Loan loss allowance to noncurrent loans | 522.0681% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 3,619 |
| Noncurrent loans to loans | 0.2859% | 3,661 |
| Net loans and leases to total assets | 91.7747% | 31 |
| Net loans and leases to deposits | 106.1087% | 435 |
| Net loans and leases to core deposits | 125.7728% | 414 |
| Total domestic deposits to total assets | 86.4912% | 1,970 |
| Equity capital to assets | 13.2364% | 1,237 |
| Core capital (leverage) ratio | 13.7214% | 1,019 |
| Tier 1 risk-based capital ratio | 13.8486% | 3,444 |
| Total risk-based capital ratio | 15.1011% | 3,350 |
| Memoranda: | ||
| Average total assets | $279,300,000 | 2,286 |
| Average earning assets | $259,838,500 | 2,280 |
| Average equity | $38,833,500 | 1,913 |
| Average total loans | $261,241,500 | 1,780 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0592% | 39 |
| Cost of funding earning assets | 1.5040% | 54 |
| Net interest margin | 6.5552% | 45 |
| Noninterest income to average assets | 0.2453% | 4,538 |
| Noninterest expense to average assets | 4.0217% | 512 |
| Loan and lease loss provision to assets | 1.5112% | 48 |
| Net operating income to assets | 0.5279% | 4,684 |
| Return on assets (ROA) | 0.5279% | 4,691 |
| Pretax return on assets | 0.8105% | 4,213 |
| Return on Equity (ROE) | 3.7316% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.7316% | 3,734 |
| Net charge-offs to loans | 1.3866% | 94 |
| Credit loss provision to net charge-offs | 116.3472% | 1,826 |
| Earnings coverage of net charge-offs (x) | 1.7875% | 3,027 |
| Efficiency ratio | 63.4003% | 3,398 |
| Assets per employee ($millions) | 3.1262% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 1,507 |
| Loan loss allowance to noncurrent loans | 443.5722% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3090% | 3,530 |
| Noncurrent loans to loans | 0.3299% | 3,518 |
| Net loans and leases to total assets | 92.2833% | 23 |
| Net loans and leases to deposits | 107.2579% | 382 |
| Net loans and leases to core deposits | 127.7668% | 374 |
| Total domestic deposits to total assets | 86.0387% | 2,259 |
| Equity capital to assets | 13.7054% | 1,025 |
| Core capital (leverage) ratio | 14.0583% | 898 |
| Tier 1 risk-based capital ratio | 14.2458% | 3,237 |
| Total risk-based capital ratio | 15.4980% | 3,157 |
| Memoranda: | ||
| Average total assets | $273,166,000 | 2,328 |
| Average earning assets | $254,119,330 | 2,329 |
| Average equity | $38,643,000 | 1,921 |
| Average total loans | $255,870,330 | 1,817 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0254% | 37 |
| Cost of funding earning assets | 1.4307% | 54 |
| Net interest margin | 6.5947% | 41 |
| Noninterest income to average assets | 0.2243% | 4,672 |
| Noninterest expense to average assets | 4.0149% | 521 |
| Loan and lease loss provision to assets | 1.4370% | 57 |
| Net operating income to assets | 0.5996% | 4,426 |
| Return on assets (ROA) | 0.5996% | 4,433 |
| Pretax return on assets | 0.9136% | 3,804 |
| Return on Equity (ROE) | 4.1695% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.1695% | 3,522 |
| Net charge-offs to loans | 1.4398% | 98 |
| Credit loss provision to net charge-offs | 106.5410% | 1,484 |
| Earnings coverage of net charge-offs (x) | 1.7428% | 2,527 |
| Efficiency ratio | 63.0726% | 3,623 |
| Assets per employee ($millions) | 3.0412% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,678 |
| Loan loss allowance to noncurrent loans | 500.4093% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,786 |
| Noncurrent loans to loans | 0.2890% | 3,737 |
| Net loans and leases to total assets | 92.3595% | 23 |
| Net loans and leases to deposits | 108.7733% | 297 |
| Net loans and leases to core deposits | 128.1122% | 373 |
| Total domestic deposits to total assets | 84.9101% | 2,969 |
| Equity capital to assets | 14.2871% | 822 |
| Core capital (leverage) ratio | 14.4958% | 764 |
| Tier 1 risk-based capital ratio | 14.8946% | 2,925 |
| Total risk-based capital ratio | 16.1464% | 2,854 |
| Memoranda: | ||
| Average total assets | $267,505,500 | 2,386 |
| Average earning assets | $249,108,000 | 2,387 |
| Average equity | $38,469,500 | 1,940 |
| Average total loans | $250,589,000 | 1,845 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5548% | 28 |
| Cost of funding earning assets | 1.3049% | 49 |
| Net interest margin | 7.2499% | 33 |
| Noninterest income to average assets | 0.1609% | 5,154 |
| Noninterest expense to average assets | 4.2794% | 385 |
| Loan and lease loss provision to assets | 1.5937% | 48 |
| Net operating income to assets | 0.5021% | 4,373 |
| Return on assets (ROA) | 0.5021% | 4,408 |
| Pretax return on assets | 0.9611% | 3,696 |
| Return on Equity (ROE) | 3.3549% | 4,729 |
| Retained earnings to average equity (ytd only) | 2.6945% | 3,701 |
| Net charge-offs to loans | 1.5364% | 103 |
| Credit loss provision to net charge-offs | 112.0656% | 2,323 |
| Earnings coverage of net charge-offs (x) | 1.7965% | 3,852 |
| Efficiency ratio | 62.6171% | 3,842 |
| Assets per employee ($millions) | 2.8424% | 5,296 |
| Cash dividends to net income (ytd only)* | 19.6850% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 1,555 |
| Loan loss allowance to noncurrent loans | 377.5105% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 3,416 |
| Noncurrent loans to loans | 0.3862% | 3,374 |
| Net loans and leases to total assets | 92.2715% | 32 |
| Net loans and leases to deposits | 108.3926% | 312 |
| Net loans and leases to core deposits | 126.0273% | 432 |
| Total domestic deposits to total assets | 85.1271% | 2,788 |
| Equity capital to assets | 14.4768% | 785 |
| Core capital (leverage) ratio | 14.7010% | 681 |
| Tier 1 risk-based capital ratio | 15.1393% | 2,779 |
| Total risk-based capital ratio | 16.3913% | 2,709 |
| Memoranda: | ||
| Average total assets | $252,935,000 | 2,471 |
| Average earning assets | $232,816,800 | 2,480 |
| Average equity | $37,855,000 | 1,937 |
| Average total loans | $234,123,600 | 1,912 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4168% | 34 |
| Cost of funding earning assets | 1.2802% | 50 |
| Net interest margin | 7.1367% | 37 |
| Noninterest income to average assets | 0.1599% | 5,218 |
| Noninterest expense to average assets | 4.2294% | 396 |
| Loan and lease loss provision to assets | 1.5067% | 60 |
| Net operating income to assets | 0.5459% | 4,591 |
| Return on assets (ROA) | 0.5459% | 4,623 |
| Pretax return on assets | 0.9805% | 3,764 |
| Return on Equity (ROE) | 3.6165% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.6165% | 3,769 |
| Net charge-offs to loans | 1.4744% | 109 |
| Credit loss provision to net charge-offs | 110.7367% | 2,136 |
| Earnings coverage of net charge-offs (x) | 1.8280% | 3,540 |
| Efficiency ratio | 62.9703% | 3,715 |
| Assets per employee ($millions) | 2.8428% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 1,788 |
| Loan loss allowance to noncurrent loans | 498.5549% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2791% | 3,950 |
| Noncurrent loans to loans | 0.2862% | 3,920 |
| Net loans and leases to total assets | 92.1213% | 35 |
| Net loans and leases to deposits | 108.5915% | 320 |
| Net loans and leases to core deposits | 126.4430% | 400 |
| Total domestic deposits to total assets | 84.8329% | 2,784 |
| Equity capital to assets | 14.7945% | 782 |
| Core capital (leverage) ratio | 14.8618% | 687 |
| Tier 1 risk-based capital ratio | 15.5285% | 2,695 |
| Total risk-based capital ratio | 16.7801% | 2,642 |
| Memoranda: | ||
| Average total assets | $250,082,000 | 2,511 |
| Average earning assets | $229,756,250 | 2,521 |
| Average equity | $37,751,500 | 1,954 |
| Average total loans | $230,773,000 | 1,942 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4365% | 34 |
| Cost of funding earning assets | 1.2568% | 47 |
| Net interest margin | 7.1798% | 38 |
| Noninterest income to average assets | 0.1529% | 5,294 |
| Noninterest expense to average assets | 4.3016% | 372 |
| Loan and lease loss provision to assets | 1.4150% | 68 |
| Net operating income to assets | 0.5679% | 4,439 |
| Return on assets (ROA) | 0.5679% | 4,490 |
| Pretax return on assets | 1.0178% | 3,494 |
| Return on Equity (ROE) | 3.7363% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.7363% | 3,477 |
| Net charge-offs to loans | 1.4513% | 126 |
| Credit loss provision to net charge-offs | 106.1286% | 1,935 |
| Earnings coverage of net charge-offs (x) | 1.8246% | 3,241 |
| Efficiency ratio | 63.8755% | 3,691 |
| Assets per employee ($millions) | 2.7890% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 1,999 |
| Loan loss allowance to noncurrent loans | 713.7255% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 4,357 |
| Noncurrent loans to loans | 0.1945% | 4,340 |
| Net loans and leases to total assets | 90.7047% | 64 |
| Net loans and leases to deposits | 106.8909% | 363 |
| Net loans and leases to core deposits | 124.3886% | 426 |
| Total domestic deposits to total assets | 84.8573% | 2,867 |
| Equity capital to assets | 14.7904% | 750 |
| Core capital (leverage) ratio | 15.0716% | 614 |
| Tier 1 risk-based capital ratio | 15.7495% | 2,601 |
| Total risk-based capital ratio | 17.0007% | 2,537 |
| Memoranda: | ||
| Average total assets | $247,210,000 | 2,537 |
| Average earning assets | $226,609,330 | 2,568 |
| Average equity | $37,577,670 | 1,959 |
| Average total loans | $227,108,670 | 1,962 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3993% | 33 |
| Cost of funding earning assets | 1.2405% | 48 |
| Net interest margin | 7.1588% | 39 |
| Noninterest income to average assets | 0.1188% | 5,517 |
| Noninterest expense to average assets | 4.2158% | 422 |
| Loan and lease loss provision to assets | 1.6180% | 49 |
| Net operating income to assets | 0.4684% | 4,712 |
| Return on assets (ROA) | 0.4684% | 4,735 |
| Pretax return on assets | 0.8428% | 3,963 |
| Return on Equity (ROE) | 3.0382% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.0382% | 3,893 |
| Net charge-offs to loans | 1.6959% | 91 |
| Credit loss provision to net charge-offs | 103.9195% | 1,525 |
| Earnings coverage of net charge-offs (x) | 1.5805% | 2,713 |
| Efficiency ratio | 63.1423% | 3,964 |
| Assets per employee ($millions) | 2.6764% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,990 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,865 |
| Noncurrent loans to loans | 0.3230% | 3,965 |
| Net loans and leases to total assets | 90.4856% | 45 |
| Net loans and leases to deposits | 107.0192% | 284 |
| Net loans and leases to core deposits | 122.2362% | 406 |
| Total domestic deposits to total assets | 84.5508% | 3,280 |
| Equity capital to assets | 15.2433% | 608 |
| Core capital (leverage) ratio | 15.2735% | 561 |
| Tier 1 risk-based capital ratio | 16.2855% | 2,445 |
| Total risk-based capital ratio | 17.5368% | 2,386 |
| Memoranda: | ||
| Average total assets | $242,519,000 | 2,593 |
| Average earning assets | $222,160,500 | 2,626 |
| Average equity | $37,391,000 | 1,974 |
| Average total loans | $222,654,500 | 2,002 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0356% | 28 |
| Cost of funding earning assets | 1.2096% | 55 |
| Net interest margin | 7.8261% | 33 |
| Noninterest income to average assets | 0.2262% | 5,058 |
| Noninterest expense to average assets | 4.7003% | 314 |
| Loan and lease loss provision to assets | 1.5152% | 60 |
| Net operating income to assets | 0.6212% | 4,116 |
| Return on assets (ROA) | 0.6212% | 4,236 |
| Pretax return on assets | 1.1181% | 3,027 |
| Return on Equity (ROE) | 3.8887% | 4,873 |
| Retained earnings to average equity (ytd only) | 3.3429% | 3,541 |
| Net charge-offs to loans | 1.4043% | 108 |
| Credit loss provision to net charge-offs | 118.1108% | 2,247 |
| Earnings coverage of net charge-offs (x) | 2.0527% | 3,893 |
| Efficiency ratio | 64.0930% | 3,922 |
| Assets per employee ($millions) | 2.5958% | 5,620 |
| Cash dividends to net income (ytd only)* | 14.0351% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,880 |
| Loan loss allowance to noncurrent loans | 319.7382% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 3,345 |
| Noncurrent loans to loans | 0.4528% | 3,528 |
| Net loans and leases to total assets | 90.4992% | 60 |
| Net loans and leases to deposits | 107.9056% | 277 |
| Net loans and leases to core deposits | 124.3882% | 375 |
| Total domestic deposits to total assets | 83.8688% | 3,473 |
| Equity capital to assets | 15.5977% | 548 |
| Core capital (leverage) ratio | 15.8633% | 478 |
| Tier 1 risk-based capital ratio | 16.5106% | 2,351 |
| Total risk-based capital ratio | 17.7626% | 2,287 |
| Memoranda: | ||
| Average total assets | $229,410,200 | 2,672 |
| Average earning assets | $208,341,600 | 2,713 |
| Average equity | $36,644,400 | 1,996 |
| Average total loans | $209,564,200 | 2,048 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8978% | 29 |
| Cost of funding earning assets | 1.2167% | 50 |
| Net interest margin | 7.6811% | 36 |
| Noninterest income to average assets | 0.2361% | 5,059 |
| Noninterest expense to average assets | 4.7188% | 319 |
| Loan and lease loss provision to assets | 1.4950% | 61 |
| Net operating income to assets | 0.5379% | 4,544 |
| Return on assets (ROA) | 0.5379% | 4,650 |
| Pretax return on assets | 0.9765% | 3,714 |
| Return on Equity (ROE) | 3.3466% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.3466% | 3,890 |
| Net charge-offs to loans | 1.3910% | 105 |
| Credit loss provision to net charge-offs | 117.8158% | 2,124 |
| Earnings coverage of net charge-offs (x) | 1.9477% | 3,640 |
| Efficiency ratio | 65.6268% | 3,657 |
| Assets per employee ($millions) | 2.5896% | 5,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 2,186 |
| Loan loss allowance to noncurrent loans | 372.3247% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 3,796 |
| Noncurrent loans to loans | 0.3768% | 3,914 |
| Net loans and leases to total assets | 90.2778% | 64 |
| Net loans and leases to deposits | 107.7408% | 315 |
| Net loans and leases to core deposits | 123.0444% | 433 |
| Total domestic deposits to total assets | 83.7916% | 3,277 |
| Equity capital to assets | 15.6750% | 601 |
| Core capital (leverage) ratio | 15.5472% | 551 |
| Tier 1 risk-based capital ratio | 16.5604% | 2,388 |
| Total risk-based capital ratio | 17.8119% | 2,344 |
| Memoranda: | ||
| Average total assets | $227,060,000 | 2,702 |
| Average earning assets | $205,573,750 | 2,744 |
| Average equity | $36,493,250 | 2,010 |
| Average total loans | $207,131,000 | 2,074 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9341% | 29 |
| Cost of funding earning assets | 1.2004% | 53 |
| Net interest margin | 7.7337% | 33 |
| Noninterest income to average assets | 0.2409% | 5,044 |
| Noninterest expense to average assets | 4.8074% | 298 |
| Loan and lease loss provision to assets | 1.3399% | 70 |
| Net operating income to assets | 0.6075% | 4,238 |
| Return on assets (ROA) | 0.6075% | 4,362 |
| Pretax return on assets | 1.0937% | 3,223 |
| Return on Equity (ROE) | 3.7475% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.7475% | 3,508 |
| Net charge-offs to loans | 1.2406% | 133 |
| Credit loss provision to net charge-offs | 118.5478% | 1,886 |
| Earnings coverage of net charge-offs (x) | 2.1531% | 3,317 |
| Efficiency ratio | 66.3915% | 3,614 |
| Assets per employee ($millions) | 2.5884% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,491 |
| Loan loss allowance to noncurrent loans | 502.9720% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 4,278 |
| Noncurrent loans to loans | 0.2702% | 4,398 |
| Net loans and leases to total assets | 88.6453% | 111 |
| Net loans and leases to deposits | 105.6579% | 381 |
| Net loans and leases to core deposits | 120.7610% | 496 |
| Total domestic deposits to total assets | 83.8984% | 3,309 |
| Equity capital to assets | 15.5832% | 609 |
| Core capital (leverage) ratio | 15.9650% | 464 |
| Tier 1 risk-based capital ratio | 16.7233% | 2,340 |
| Total risk-based capital ratio | 17.9740% | 2,291 |
| Memoranda: | ||
| Average total assets | $224,194,670 | 2,741 |
| Average earning assets | $202,930,330 | 2,777 |
| Average equity | $36,344,670 | 2,022 |
| Average total loans | $204,250,670 | 2,102 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9780% | 31 |
| Cost of funding earning assets | 1.1949% | 58 |
| Net interest margin | 7.7831% | 35 |
| Noninterest income to average assets | 0.2489% | 4,956 |
| Noninterest expense to average assets | 4.8728% | 290 |
| Loan and lease loss provision to assets | 1.5321% | 56 |
| Net operating income to assets | 0.5144% | 4,571 |
| Return on assets (ROA) | 0.5144% | 4,676 |
| Pretax return on assets | 0.9262% | 3,745 |
| Return on Equity (ROE) | 3.1080% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.1080% | 3,964 |
| Net charge-offs to loans | 1.4660% | 127 |
| Credit loss provision to net charge-offs | 113.8776% | 1,486 |
| Earnings coverage of net charge-offs (x) | 1.8272% | 2,768 |
| Efficiency ratio | 66.4669% | 3,722 |
| Assets per employee ($millions) | 2.4623% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,678 |
| Loan loss allowance to noncurrent loans | 347.3418% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 3,899 |
| Noncurrent loans to loans | 0.3875% | 4,050 |
| Net loans and leases to total assets | 90.7499% | 50 |
| Net loans and leases to deposits | 109.1779% | 244 |
| Net loans and leases to core deposits | 123.6612% | 376 |
| Total domestic deposits to total assets | 83.1211% | 3,853 |
| Equity capital to assets | 16.3825% | 493 |
| Core capital (leverage) ratio | 16.2251% | 445 |
| Tier 1 risk-based capital ratio | 17.3370% | 2,175 |
| Total risk-based capital ratio | 18.5878% | 2,144 |
| Memoranda: | ||
| Average total assets | $218,521,000 | 2,797 |
| Average earning assets | $198,841,500 | 2,829 |
| Average equity | $36,164,500 | 2,028 |
| Average total loans | $200,539,000 | 2,128 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4675% | 24 |
| Cost of funding earning assets | 1.1351% | 78 |
| Net interest margin | 8.3324% | 27 |
| Noninterest income to average assets | 0.1932% | 5,430 |
| Noninterest expense to average assets | 5.1024% | 259 |
| Loan and lease loss provision to assets | 0.9692% | 91 |
| Net operating income to assets | 0.9947% | 2,391 |
| Return on assets (ROA) | 0.9947% | 2,488 |
| Pretax return on assets | 1.7448% | 905 |
| Return on Equity (ROE) | 5.9859% | 4,038 |
| Retained earnings to average equity (ytd only) | 4.8517% | 2,525 |
| Net charge-offs to loans | 1.1141% | 166 |
| Credit loss provision to net charge-offs | 94.5747% | 2,666 |
| Earnings coverage of net charge-offs (x) | 2.6483% | 3,857 |
| Efficiency ratio | 65.2782% | 4,027 |
| Assets per employee ($millions) | 2.3937% | 5,937 |
| Cash dividends to net income (ytd only)* | 18.9484% | 3,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 2,712 |
| Loan loss allowance to noncurrent loans | 289.0591% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 3,660 |
| Noncurrent loans to loans | 0.4634% | 3,807 |
| Net loans and leases to total assets | 90.3214% | 55 |
| Net loans and leases to deposits | 109.1740% | 265 |
| Net loans and leases to core deposits | 122.7281% | 412 |
| Total domestic deposits to total assets | 82.7316% | 3,933 |
| Equity capital to assets | 16.7216% | 438 |
| Core capital (leverage) ratio | 16.7109% | 400 |
| Tier 1 risk-based capital ratio | 17.8822% | 1,996 |
| Total risk-based capital ratio | 19.1331% | 1,949 |
| Memoranda: | ||
| Average total assets | $212,231,800 | 2,820 |
| Average earning assets | $194,170,000 | 2,838 |
| Average equity | $35,266,000 | 2,026 |
| Average total loans | $195,217,000 | 2,120 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3265% | 25 |
| Cost of funding earning assets | 1.1247% | 86 |
| Net interest margin | 8.2018% | 28 |
| Noninterest income to average assets | 0.1854% | 5,553 |
| Noninterest expense to average assets | 5.0303% | 279 |
| Loan and lease loss provision to assets | 0.8715% | 77 |
| Net operating income to assets | 1.0285% | 2,337 |
| Return on assets (ROA) | 1.0285% | 2,424 |
| Pretax return on assets | 1.8023% | 898 |
| Return on Equity (ROE) | 6.1996% | 4,054 |
| Retained earnings to average equity (ytd only) | 4.6792% | 3,142 |
| Net charge-offs to loans | 1.0230% | 183 |
| Credit loss provision to net charge-offs | 92.5033% | 2,434 |
| Earnings coverage of net charge-offs (x) | 2.8380% | 3,596 |
| Efficiency ratio | 65.2943% | 4,013 |
| Assets per employee ($millions) | 2.3866% | 6,014 |
| Cash dividends to net income (ytd only)* | 24.5249% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 2,980 |
| Loan loss allowance to noncurrent loans | 262.6984% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 3,689 |
| Noncurrent loans to loans | 0.5037% | 3,839 |
| Net loans and leases to total assets | 91.9380% | 29 |
| Net loans and leases to deposits | 110.8846% | 235 |
| Net loans and leases to core deposits | 123.6203% | 389 |
| Total domestic deposits to total assets | 82.9132% | 3,840 |
| Equity capital to assets | 16.5476% | 482 |
| Core capital (leverage) ratio | 16.3163% | 451 |
| Tier 1 risk-based capital ratio | 17.4604% | 2,200 |
| Total risk-based capital ratio | 18.7111% | 2,153 |
| Memoranda: | ||
| Average total assets | $211,431,250 | 2,847 |
| Average earning assets | $193,822,250 | 2,876 |
| Average equity | $35,076,500 | 2,050 |
| Average total loans | $194,715,000 | 2,135 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3623% | 24 |
| Cost of funding earning assets | 1.1116% | 90 |
| Net interest margin | 8.2507% | 28 |
| Noninterest income to average assets | 0.1588% | 5,758 |
| Noninterest expense to average assets | 5.0145% | 289 |
| Loan and lease loss provision to assets | 0.5516% | 170 |
| Net operating income to assets | 1.2220% | 1,536 |
| Return on assets (ROA) | 1.2220% | 1,612 |
| Pretax return on assets | 2.1311% | 469 |
| Return on Equity (ROE) | 7.3595% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.3595% | 1,538 |
| Net charge-offs to loans | 0.7724% | 288 |
| Credit loss provision to net charge-offs | 77.8523% | 2,361 |
| Earnings coverage of net charge-offs (x) | 3.7866% | 3,133 |
| Efficiency ratio | 65.1470% | 4,164 |
| Assets per employee ($millions) | 2.4060% | 6,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 3,053 |
| Loan loss allowance to noncurrent loans | 203.8492% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 3,434 |
| Noncurrent loans to loans | 0.6546% | 3,513 |
| Net loans and leases to total assets | 88.6073% | 110 |
| Net loans and leases to deposits | 106.6411% | 354 |
| Net loans and leases to core deposits | 120.1880% | 462 |
| Total domestic deposits to total assets | 83.0893% | 3,912 |
| Equity capital to assets | 16.4392% | 470 |
| Core capital (leverage) ratio | 16.7313% | 384 |
| Tier 1 risk-based capital ratio | 17.8455% | 2,116 |
| Total risk-based capital ratio | 19.0963% | 2,069 |
| Memoranda: | ||
| Average total assets | $210,309,000 | 2,885 |
| Average earning assets | $192,153,330 | 2,912 |
| Average equity | $34,920,670 | 2,060 |
| Average total loans | $192,910,330 | 2,155 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3633% | 23 |
| Cost of funding earning assets | 1.0963% | 101 |
| Net interest margin | 8.2670% | 28 |
| Noninterest income to average assets | 0.0907% | 6,123 |
| Noninterest expense to average assets | 5.1006% | 276 |
| Loan and lease loss provision to assets | 0.7838% | 107 |
| Net operating income to assets | 1.0406% | 2,072 |
| Return on assets (ROA) | 1.0406% | 2,218 |
| Pretax return on assets | 1.8205% | 838 |
| Return on Equity (ROE) | 6.2345% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.2345% | 2,363 |
| Net charge-offs to loans | 1.0326% | 230 |
| Credit loss provision to net charge-offs | 81.8548% | 1,814 |
| Earnings coverage of net charge-offs (x) | 2.7198% | 2,710 |
| Efficiency ratio | 66.1989% | 4,127 |
| Assets per employee ($millions) | 2.3938% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 3,015 |
| Loan loss allowance to noncurrent loans | 216.0194% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 3,491 |
| Noncurrent loans to loans | 0.6392% | 3,672 |
| Net loans and leases to total assets | 91.5672% | 32 |
| Net loans and leases to deposits | 110.5843% | 215 |
| Net loans and leases to core deposits | 123.4031% | 339 |
| Total domestic deposits to total assets | 82.8031% | 4,235 |
| Equity capital to assets | 16.7350% | 466 |
| Core capital (leverage) ratio | 16.7484% | 384 |
| Tier 1 risk-based capital ratio | 17.7261% | 2,228 |
| Total risk-based capital ratio | 18.9773% | 2,194 |
| Memoranda: | ||
| Average total assets | $207,192,000 | 2,941 |
| Average earning assets | $190,830,000 | 2,937 |
| Average equity | $34,582,000 | 2,096 |
| Average total loans | $192,131,500 | 2,159 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9912% | 22 |
| Cost of funding earning assets | 1.1176% | 122 |
| Net interest margin | 8.8735% | 24 |
| Noninterest income to average assets | 0.2289% | 5,485 |
| Noninterest expense to average assets | 5.2456% | 267 |
| Loan and lease loss provision to assets | 1.0739% | 93 |
| Net operating income to assets | 1.1715% | 1,666 |
| Return on assets (ROA) | 1.1715% | 1,744 |
| Pretax return on assets | 2.0522% | 463 |
| Return on Equity (ROE) | 7.1669% | 3,544 |
| Retained earnings to average equity (ytd only) | 5.9724% | 1,946 |
| Net charge-offs to loans | 1.2507% | 212 |
| Credit loss provision to net charge-offs | 93.1020% | 2,578 |
| Earnings coverage of net charge-offs (x) | 2.7101% | 4,081 |
| Efficiency ratio | 62.6589% | 4,801 |
| Assets per employee ($millions) | 2.3423% | 6,253 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 2,714 |
| Loan loss allowance to noncurrent loans | 209.4082% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7486% | 3,336 |
| Noncurrent loans to loans | 0.6904% | 3,612 |
| Net loans and leases to total assets | 91.2728% | 40 |
| Net loans and leases to deposits | 110.2286% | 228 |
| Net loans and leases to core deposits | 123.5176% | 332 |
| Total domestic deposits to total assets | 82.8032% | 4,142 |
| Equity capital to assets | 16.6461% | 461 |
| Core capital (leverage) ratio | 16.6029% | 403 |
| Tier 1 risk-based capital ratio | 17.6684% | 2,254 |
| Total risk-based capital ratio | 18.9207% | 2,223 |
| Memoranda: | ||
| Average total assets | $204,857,600 | 2,935 |
| Average earning assets | $187,986,200 | 2,936 |
| Average equity | $33,487,400 | 2,080 |
| Average total loans | $188,938,400 | 2,125 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9157% | 23 |
| Cost of funding earning assets | 1.1142% | 134 |
| Net interest margin | 8.8015% | 26 |
| Noninterest income to average assets | 0.2360% | 5,512 |
| Noninterest expense to average assets | 5.2076% | 267 |
| Loan and lease loss provision to assets | 0.9954% | 112 |
| Net operating income to assets | 1.2007% | 1,676 |
| Return on assets (ROA) | 1.2007% | 1,747 |
| Pretax return on assets | 2.1068% | 449 |
| Return on Equity (ROE) | 7.3794% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.3794% | 1,634 |
| Net charge-offs to loans | 1.1787% | 236 |
| Credit loss provision to net charge-offs | 91.6567% | 2,403 |
| Earnings coverage of net charge-offs (x) | 2.8565% | 3,807 |
| Efficiency ratio | 62.6687% | 4,785 |
| Assets per employee ($millions) | 2.3686% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 2,912 |
| Loan loss allowance to noncurrent loans | 163.2845% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9366% | 3,100 |
| Noncurrent loans to loans | 0.8921% | 3,339 |
| Net loans and leases to total assets | 91.4009% | 35 |
| Net loans and leases to deposits | 110.0974% | 220 |
| Net loans and leases to core deposits | 123.3047% | 322 |
| Total domestic deposits to total assets | 83.0182% | 4,144 |
| Equity capital to assets | 16.5741% | 484 |
| Core capital (leverage) ratio | 16.6781% | 406 |
| Tier 1 risk-based capital ratio | 17.5834% | 2,364 |
| Total risk-based capital ratio | 18.8355% | 2,323 |
| Memoranda: | ||
| Average total assets | $204,540,500 | 2,964 |
| Average earning assets | $187,630,250 | 2,963 |
| Average equity | $33,281,250 | 2,099 |
| Average total loans | $188,448,750 | 2,145 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0784% | 24 |
| Cost of funding earning assets | 1.1141% | 138 |
| Net interest margin | 8.9643% | 25 |
| Noninterest income to average assets | 0.2304% | 5,552 |
| Noninterest expense to average assets | 5.1747% | 283 |
| Loan and lease loss provision to assets | 0.8224% | 144 |
| Net operating income to assets | 1.3959% | 1,072 |
| Return on assets (ROA) | 1.3959% | 1,116 |
| Pretax return on assets | 2.4359% | 238 |
| Return on Equity (ROE) | 8.6328% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.6328% | 1,101 |
| Net charge-offs to loans | 1.0642% | 320 |
| Credit loss provision to net charge-offs | 84.0681% | 2,278 |
| Earnings coverage of net charge-offs (x) | 3.3307% | 3,339 |
| Efficiency ratio | 61.3623% | 5,098 |
| Assets per employee ($millions) | 2.3375% | 6,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 2,977 |
| Loan loss allowance to noncurrent loans | 187.6443% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 3,474 |
| Noncurrent loans to loans | 0.7910% | 3,715 |
| Net loans and leases to total assets | 90.2076% | 44 |
| Net loans and leases to deposits | 108.5298% | 236 |
| Net loans and leases to core deposits | 121.7104% | 339 |
| Total domestic deposits to total assets | 83.1178% | 4,259 |
| Equity capital to assets | 16.5891% | 468 |
| Core capital (leverage) ratio | 16.5673% | 406 |
| Tier 1 risk-based capital ratio | 17.7905% | 2,314 |
| Total risk-based capital ratio | 19.0430% | 2,283 |
| Memoranda: | ||
| Average total assets | $204,031,330 | 2,981 |
| Average earning assets | $186,696,330 | 2,993 |
| Average equity | $32,990,330 | 2,097 |
| Average total loans | $187,554,330 | 2,153 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1731% | 20 |
| Cost of funding earning assets | 1.1066% | 159 |
| Net interest margin | 9.0665% | 22 |
| Noninterest income to average assets | 0.2329% | 5,489 |
| Noninterest expense to average assets | 5.2396% | 277 |
| Loan and lease loss provision to assets | 1.2116% | 90 |
| Net operating income to assets | 1.1979% | 1,490 |
| Return on assets (ROA) | 1.1979% | 1,560 |
| Pretax return on assets | 2.0884% | 434 |
| Return on Equity (ROE) | 7.5052% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.5052% | 1,818 |
| Net charge-offs to loans | 1.2963% | 253 |
| Credit loss provision to net charge-offs | 101.4754% | 1,638 |
| Earnings coverage of net charge-offs (x) | 2.7639% | 2,805 |
| Efficiency ratio | 61.3569% | 5,223 |
| Assets per employee ($millions) | 2.4110% | 6,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 2,879 |
| Loan loss allowance to noncurrent loans | 234.5600% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 3,964 |
| Noncurrent loans to loans | 0.6656% | 4,199 |
| Net loans and leases to total assets | 90.2149% | 43 |
| Net loans and leases to deposits | 108.1043% | 189 |
| Net loans and leases to core deposits | 122.3318% | 283 |
| Total domestic deposits to total assets | 83.4517% | 4,464 |
| Equity capital to assets | 16.0653% | 518 |
| Core capital (leverage) ratio | 16.1236% | 466 |
| Tier 1 risk-based capital ratio | 17.2148% | 2,592 |
| Total risk-based capital ratio | 18.4650% | 2,552 |
| Memoranda: | ||
| Average total assets | $204,366,000 | 3,008 |
| Average earning assets | $187,238,500 | 3,007 |
| Average equity | $32,617,500 | 2,114 |
| Average total loans | $188,225,500 | 2,152 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8957% | 18 |
| Cost of funding earning assets | 1.1481% | 226 |
| Net interest margin | 9.7476% | 22 |
| Noninterest income to average assets | 0.2229% | 5,740 |
| Noninterest expense to average assets | 5.0637% | 335 |
| Loan and lease loss provision to assets | 0.6269% | 389 |
| Net operating income to assets | 2.0117% | 331 |
| Return on assets (ROA) | 2.0117% | 333 |
| Pretax return on assets | 3.4688% | 87 |
| Return on Equity (ROE) | 13.2377% | 1,125 |
| Retained earnings to average equity (ytd only) | 10.8091% | 447 |
| Net charge-offs to loans | 1.1532% | 468 |
| Credit loss provision to net charge-offs | 58.7097% | 3,607 |
| Earnings coverage of net charge-offs (x) | 3.8355% | 3,740 |
| Efficiency ratio | 55.2839% | 6,023 |
| Assets per employee ($millions) | 2.3698% | 6,480 |
| Cash dividends to net income (ytd only)* | 18.3464% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 2,962 |
| Loan loss allowance to noncurrent loans | 207.0113% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 3,873 |
| Noncurrent loans to loans | 0.7485% | 4,095 |
| Net loans and leases to total assets | 91.1270% | 33 |
| Net loans and leases to deposits | 108.7827% | 187 |
| Net loans and leases to core deposits | 122.5751% | 295 |
| Total domestic deposits to total assets | 83.7698% | 4,258 |
| Equity capital to assets | 15.8548% | 546 |
| Core capital (leverage) ratio | 15.7503% | 499 |
| Tier 1 risk-based capital ratio | 16.8743% | 2,669 |
| Total risk-based capital ratio | 18.1234% | 2,632 |
| Memoranda: | ||
| Average total assets | $203,210,400 | 3,000 |
| Average earning assets | $186,303,200 | 3,009 |
| Average equity | $30,881,400 | 2,204 |
| Average total loans | $188,167,600 | 2,122 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7267% | 20 |
| Cost of funding earning assets | 1.1473% | 244 |
| Net interest margin | 9.5793% | 22 |
| Noninterest income to average assets | 0.2167% | 5,879 |
| Noninterest expense to average assets | 5.0216% | 332 |
| Loan and lease loss provision to assets | 0.4833% | 575 |
| Net operating income to assets | 2.0236% | 349 |
| Return on assets (ROA) | 2.0236% | 360 |
| Pretax return on assets | 3.4885% | 98 |
| Return on Equity (ROE) | 13.4624% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.4624% | 293 |
| Net charge-offs to loans | 1.0486% | 543 |
| Credit loss provision to net charge-offs | 49.7634% | 3,507 |
| Earnings coverage of net charge-offs (x) | 4.0899% | 3,541 |
| Efficiency ratio | 55.8370% | 5,920 |
| Assets per employee ($millions) | 2.3716% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 2,928 |
| Loan loss allowance to noncurrent loans | 234.8092% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 4,225 |
| Noncurrent loans to loans | 0.6887% | 4,473 |
| Net loans and leases to total assets | 91.7508% | 20 |
| Net loans and leases to deposits | 109.2294% | 164 |
| Net loans and leases to core deposits | 122.7880% | 279 |
| Total domestic deposits to total assets | 83.9983% | 4,183 |
| Equity capital to assets | 15.7168% | 590 |
| Core capital (leverage) ratio | 15.7077% | 538 |
| Tier 1 risk-based capital ratio | 16.5598% | 2,915 |
| Total risk-based capital ratio | 17.8141% | 2,878 |
| Memoranda: | ||
| Average total assets | $203,063,250 | 3,024 |
| Average earning assets | $186,048,500 | 3,030 |
| Average equity | $30,523,750 | 2,243 |
| Average total loans | $188,049,750 | 2,121 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7767% | 19 |
| Cost of funding earning assets | 1.1476% | 262 |
| Net interest margin | 9.6291% | 21 |
| Noninterest income to average assets | 0.2052% | 5,976 |
| Noninterest expense to average assets | 5.0344% | 345 |
| Loan and lease loss provision to assets | 0.4143% | 737 |
| Net operating income to assets | 2.0615% | 321 |
| Return on assets (ROA) | 2.0615% | 338 |
| Pretax return on assets | 3.5539% | 105 |
| Return on Equity (ROE) | 13.9273% | 1,022 |
| Retained earnings to average equity (ytd only) | 13.9273% | 301 |
| Net charge-offs to loans | 0.9716% | 629 |
| Credit loss provision to net charge-offs | 46.1538% | 3,289 |
| Earnings coverage of net charge-offs (x) | 4.4209% | 3,138 |
| Efficiency ratio | 55.9220% | 5,974 |
| Assets per employee ($millions) | 2.3384% | 6,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 2,540 |
| Loan loss allowance to noncurrent loans | 285.0171% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 4,511 |
| Noncurrent loans to loans | 0.6199% | 4,710 |
| Net loans and leases to total assets | 90.9822% | 29 |
| Net loans and leases to deposits | 107.7311% | 186 |
| Net loans and leases to core deposits | 121.2989% | 297 |
| Total domestic deposits to total assets | 84.4531% | 4,145 |
| Equity capital to assets | 15.2692% | 662 |
| Core capital (leverage) ratio | 15.3419% | 555 |
| Tier 1 risk-based capital ratio | 16.1154% | 3,130 |
| Total risk-based capital ratio | 17.3687% | 3,073 |
| Memoranda: | ||
| Average total assets | $202,764,330 | 3,042 |
| Average earning assets | $185,251,000 | 3,047 |
| Average equity | $30,013,000 | 2,272 |
| Average total loans | $187,329,330 | 2,134 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7668% | 20 |
| Cost of funding earning assets | 1.1480% | 290 |
| Net interest margin | 9.6188% | 21 |
| Noninterest income to average assets | 0.2253% | 5,856 |
| Noninterest expense to average assets | 4.9342% | 388 |
| Loan and lease loss provision to assets | 0.5928% | 432 |
| Net operating income to assets | 2.0294% | 324 |
| Return on assets (ROA) | 2.0294% | 355 |
| Pretax return on assets | 3.4897% | 110 |
| Return on Equity (ROE) | 13.9313% | 978 |
| Retained earnings to average equity (ytd only) | 13.9313% | 461 |
| Net charge-offs to loans | 1.2057% | 483 |
| Credit loss provision to net charge-offs | 53.2860% | 2,557 |
| Earnings coverage of net charge-offs (x) | 3.6696% | 2,706 |
| Efficiency ratio | 54.7228% | 6,177 |
| Assets per employee ($millions) | 2.3450% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 2,286 |
| Loan loss allowance to noncurrent loans | 212.6794% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1241% | 3,690 |
| Noncurrent loans to loans | 0.8964% | 4,342 |
| Net loans and leases to total assets | 90.7295% | 29 |
| Net loans and leases to deposits | 107.2588% | 178 |
| Net loans and leases to core deposits | 121.4885% | 265 |
| Total domestic deposits to total assets | 84.5893% | 4,230 |
| Equity capital to assets | 14.8762% | 785 |
| Core capital (leverage) ratio | 14.7721% | 625 |
| Tier 1 risk-based capital ratio | 15.7634% | 3,391 |
| Total risk-based capital ratio | 17.0218% | 3,345 |
| Memoranda: | ||
| Average total assets | $202,425,500 | 3,071 |
| Average earning assets | $185,013,000 | 3,082 |
| Average equity | $29,487,500 | 2,336 |
| Average total loans | $186,781,500 | 2,153 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1742% | 21 |
| Cost of funding earning assets | 1.2006% | 578 |
| Net interest margin | 9.9735% | 22 |
| Noninterest income to average assets | 0.1484% | 6,297 |
| Noninterest expense to average assets | 4.7262% | 465 |
| Loan and lease loss provision to assets | 0.6574% | 808 |
| Net operating income to assets | 2.3242% | 200 |
| Return on assets (ROA) | 2.3242% | 217 |
| Pretax return on assets | 3.9861% | 78 |
| Return on Equity (ROE) | 17.0372% | 535 |
| Retained earnings to average equity (ytd only) | 13.3866% | 232 |
| Net charge-offs to loans | 1.2411% | 801 |
| Credit loss provision to net charge-offs | 57.1676% | 4,520 |
| Earnings coverage of net charge-offs (x) | 4.0381% | 3,505 |
| Efficiency ratio | 50.4412% | 6,562 |
| Assets per employee ($millions) | 2.3904% | 6,715 |
| Cash dividends to net income (ytd only)* | 21.4270% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 1,911 |
| Loan loss allowance to noncurrent loans | 214.9128% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 3,710 |
| Noncurrent loans to loans | 0.9501% | 4,295 |
| Net loans and leases to total assets | 90.1728% | 40 |
| Net loans and leases to deposits | 105.5666% | 232 |
| Net loans and leases to core deposits | 120.3314% | 277 |
| Total domestic deposits to total assets | 85.4179% | 3,652 |
| Equity capital to assets | 14.2603% | 952 |
| Core capital (leverage) ratio | 14.3643% | 707 |
| Tier 1 risk-based capital ratio | 15.1801% | 3,625 |
| Total risk-based capital ratio | 16.4402% | 3,565 |
| Memoranda: | ||
| Average total assets | $200,796,400 | 3,028 |
| Average earning assets | $185,651,600 | 3,020 |
| Average equity | $27,393,000 | 2,456 |
| Average total loans | $186,044,600 | 2,133 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9443% | 20 |
| Cost of funding earning assets | 1.2081% | 669 |
| Net interest margin | 9.7363% | 21 |
| Noninterest income to average assets | 0.1086% | 6,591 |
| Noninterest expense to average assets | 4.5800% | 514 |
| Loan and lease loss provision to assets | 0.6387% | 828 |
| Net operating income to assets | 2.2797% | 246 |
| Return on assets (ROA) | 2.2797% | 270 |
| Pretax return on assets | 3.9180% | 84 |
| Return on Equity (ROE) | 16.9047% | 620 |
| Retained earnings to average equity (ytd only) | 16.9047% | 154 |
| Net charge-offs to loans | 1.1912% | 826 |
| Credit loss provision to net charge-offs | 57.7711% | 4,212 |
| Earnings coverage of net charge-offs (x) | 4.1217% | 3,395 |
| Efficiency ratio | 50.1276% | 6,581 |
| Assets per employee ($millions) | 2.4510% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1806% | 1,744 |
| Loan loss allowance to noncurrent loans | 236.7147% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 3,966 |
| Noncurrent loans to loans | 0.9212% | 4,594 |
| Net loans and leases to total assets | 91.6684% | 27 |
| Net loans and leases to deposits | 108.8094% | 179 |
| Net loans and leases to core deposits | 121.8621% | 279 |
| Total domestic deposits to total assets | 84.2468% | 4,105 |
| Equity capital to assets | 14.2949% | 1,041 |
| Core capital (leverage) ratio | 14.3552% | 741 |
| Tier 1 risk-based capital ratio | 15.0724% | 3,800 |
| Total risk-based capital ratio | 16.3336% | 3,744 |
| Memoranda: | ||
| Average total assets | $200,200,500 | 3,074 |
| Average earning assets | $185,638,000 | 3,043 |
| Average equity | $26,997,750 | 2,503 |
| Average total loans | $185,797,750 | 2,154 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0139% | 20 |
| Cost of funding earning assets | 1.2246% | 738 |
| Net interest margin | 9.7893% | 21 |
| Noninterest income to average assets | 0.0550% | 6,840 |
| Noninterest expense to average assets | 4.5454% | 532 |
| Loan and lease loss provision to assets | 0.6172% | 944 |
| Net operating income to assets | 2.2957% | 244 |
| Return on assets (ROA) | 2.2957% | 273 |
| Pretax return on assets | 3.9362% | 86 |
| Return on Equity (ROE) | 17.3730% | 591 |
| Retained earnings to average equity (ytd only) | 17.3730% | 168 |
| Net charge-offs to loans | 1.1268% | 958 |
| Credit loss provision to net charge-offs | 59.2131% | 3,818 |
| Earnings coverage of net charge-offs (x) | 4.3685% | 3,109 |
| Efficiency ratio | 49.9560% | 6,647 |
| Assets per employee ($millions) | 2.4180% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3637% | 1,473 |
| Loan loss allowance to noncurrent loans | 270.8900% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 1.1027% | 4,179 |
| Noncurrent loans to loans | 0.8726% | 4,750 |
| Net loans and leases to total assets | 90.2089% | 38 |
| Net loans and leases to deposits | 104.8485% | 261 |
| Net loans and leases to core deposits | 117.1344% | 365 |
| Total domestic deposits to total assets | 86.0374% | 3,341 |
| Equity capital to assets | 13.7533% | 1,192 |
| Core capital (leverage) ratio | 13.8099% | 864 |
| Tier 1 risk-based capital ratio | 14.6507% | 3,997 |
| Total risk-based capital ratio | 15.9118% | 3,953 |
| Memoranda: | ||
| Average total assets | $199,940,330 | 3,087 |
| Average earning assets | $184,711,330 | 3,063 |
| Average equity | $26,420,330 | 2,540 |
| Average total loans | $184,949,330 | 2,162 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9981% | 20 |
| Cost of funding earning assets | 1.2266% | 863 |
| Net interest margin | 9.7715% | 21 |
| Noninterest income to average assets | 0.1022% | 6,737 |
| Noninterest expense to average assets | 4.5660% | 523 |
| Loan and lease loss provision to assets | 1.0002% | 413 |
| Net operating income to assets | 2.0946% | 357 |
| Return on assets (ROA) | 2.0946% | 411 |
| Pretax return on assets | 3.5898% | 114 |
| Return on Equity (ROE) | 16.1830% | 777 |
| Retained earnings to average equity (ytd only) | 16.1830% | 352 |
| Net charge-offs to loans | 1.3448% | 756 |
| Credit loss provision to net charge-offs | 80.3543% | 2,721 |
| Earnings coverage of net charge-offs (x) | 3.6876% | 2,779 |
| Efficiency ratio | 49.8687% | 6,679 |
| Assets per employee ($millions) | 2.4851% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5324% | 1,310 |
| Loan loss allowance to noncurrent loans | 319.8635% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 4,335 |
| Noncurrent loans to loans | 0.7917% | 5,089 |
| Net loans and leases to total assets | 89.6016% | 44 |
| Net loans and leases to deposits | 103.7047% | 258 |
| Net loans and leases to core deposits | 112.7209% | 450 |
| Total domestic deposits to total assets | 86.4007% | 3,305 |
| Equity capital to assets | 13.0916% | 1,401 |
| Core capital (leverage) ratio | 13.2746% | 1,033 |
| Tier 1 risk-based capital ratio | 14.0441% | 4,440 |
| Total risk-based capital ratio | 15.3093% | 4,391 |
| Memoranda: | ||
| Average total assets | $199,564,000 | 3,109 |
| Average earning assets | $184,905,500 | 3,081 |
| Average equity | $25,829,500 | 2,584 |
| Average total loans | $184,711,000 | 2,175 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2080% | 23 |
| Cost of funding earning assets | 1.3913% | 1,082 |
| Net interest margin | 9.8167% | 24 |
| Noninterest income to average assets | 0.2254% | 5,920 |
| Noninterest expense to average assets | 4.4797% | 597 |
| Loan and lease loss provision to assets | 1.0589% | 870 |
| Net operating income to assets | 2.2326% | 216 |
| Return on assets (ROA) | 2.2326% | 226 |
| Pretax return on assets | 3.8265% | 80 |
| Return on Equity (ROE) | 18.8291% | 326 |
| Retained earnings to average equity (ytd only) | 15.6606% | 109 |
| Net charge-offs to loans | 1.4597% | 1,105 |
| Credit loss provision to net charge-offs | 78.0362% | 4,550 |
| Earnings coverage of net charge-offs (x) | 3.6002% | 3,459 |
| Efficiency ratio | 47.8338% | 6,959 |
| Assets per employee ($millions) | 2.3836% | 6,931 |
| Cash dividends to net income (ytd only)* | 16.8275% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6077% | 1,185 |
| Loan loss allowance to noncurrent loans | 219.2430% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 1.4947% | 3,713 |
| Noncurrent loans to loans | 1.1894% | 4,386 |
| Net loans and leases to total assets | 90.7657% | 33 |
| Net loans and leases to deposits | 104.4960% | 296 |
| Net loans and leases to core deposits | 112.1451% | 559 |
| Total domestic deposits to total assets | 86.8605% | 2,842 |
| Equity capital to assets | 12.7918% | 1,606 |
| Core capital (leverage) ratio | 12.6921% | 1,269 |
| Tier 1 risk-based capital ratio | 13.5112% | 4,686 |
| Total risk-based capital ratio | 14.7770% | 4,644 |
| Memoranda: | ||
| Average total assets | $199,633,800 | 3,061 |
| Average earning assets | $185,866,600 | 3,020 |
| Average equity | $23,670,800 | 2,708 |
| Average total loans | $185,584,800 | 2,173 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8981% | 24 |
| Cost of funding earning assets | 1.4155% | 1,163 |
| Net interest margin | 9.4825% | 26 |
| Noninterest income to average assets | 0.2406% | 5,903 |
| Noninterest expense to average assets | 4.4427% | 606 |
| Loan and lease loss provision to assets | 0.8543% | 1,069 |
| Net operating income to assets | 2.2057% | 254 |
| Return on assets (ROA) | 2.2057% | 270 |
| Pretax return on assets | 3.7777% | 94 |
| Return on Equity (ROE) | 18.9720% | 388 |
| Retained earnings to average equity (ytd only) | 18.9720% | 93 |
| Net charge-offs to loans | 1.2796% | 1,213 |
| Credit loss provision to net charge-offs | 71.8610% | 4,420 |
| Earnings coverage of net charge-offs (x) | 3.8963% | 3,252 |
| Efficiency ratio | 48.9573% | 6,890 |
| Assets per employee ($millions) | 2.3282% | 7,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6540% | 1,193 |
| Loan loss allowance to noncurrent loans | 297.7521% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 1.4503% | 3,942 |
| Noncurrent loans to loans | 0.8914% | 5,079 |
| Net loans and leases to total assets | 90.8375% | 32 |
| Net loans and leases to deposits | 104.3375% | 304 |
| Net loans and leases to core deposits | 111.9029% | 611 |
| Total domestic deposits to total assets | 87.0613% | 2,612 |
| Equity capital to assets | 12.5875% | 1,860 |
| Core capital (leverage) ratio | 12.3692% | 1,501 |
| Tier 1 risk-based capital ratio | 13.3248% | 4,864 |
| Total risk-based capital ratio | 14.5905% | 4,820 |
| Memoranda: | ||
| Average total assets | $200,082,750 | 3,075 |
| Average earning assets | $186,401,250 | 3,019 |
| Average equity | $23,261,750 | 2,759 |
| Average total loans | $185,886,750 | 2,192 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8012% | 28 |
| Cost of funding earning assets | 1.4237% | 1,312 |
| Net interest margin | 9.3776% | 29 |
| Noninterest income to average assets | 0.2221% | 6,085 |
| Noninterest expense to average assets | 4.3185% | 732 |
| Loan and lease loss provision to assets | 0.8276% | 1,100 |
| Net operating income to assets | 2.2349% | 250 |
| Return on assets (ROA) | 2.2349% | 265 |
| Pretax return on assets | 3.8275% | 102 |
| Return on Equity (ROE) | 19.7602% | 327 |
| Retained earnings to average equity (ytd only) | 19.7602% | 96 |
| Net charge-offs to loans | 1.2185% | 1,284 |
| Credit loss provision to net charge-offs | 73.2159% | 3,974 |
| Earnings coverage of net charge-offs (x) | 4.1181% | 2,955 |
| Efficiency ratio | 48.1243% | 7,054 |
| Assets per employee ($millions) | 2.5564% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7532% | 1,123 |
| Loan loss allowance to noncurrent loans | 199.2575% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.4959% | 3,961 |
| Noncurrent loans to loans | 1.3817% | 4,340 |
| Net loans and leases to total assets | 89.1798% | 54 |
| Net loans and leases to deposits | 101.4111% | 432 |
| Net loans and leases to core deposits | 108.5193% | 782 |
| Total domestic deposits to total assets | 87.9390% | 2,176 |
| Equity capital to assets | 11.8065% | 2,238 |
| Core capital (leverage) ratio | 11.9132% | 1,659 |
| Tier 1 risk-based capital ratio | 12.7239% | 5,158 |
| Total risk-based capital ratio | 13.9923% | 5,113 |
| Memoranda: | ||
| Average total assets | $200,812,330 | 3,090 |
| Average earning assets | $187,404,670 | 3,038 |
| Average equity | $22,712,330 | 2,787 |
| Average total loans | $186,294,670 | 2,209 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7539% | 30 |
| Cost of funding earning assets | 1.4278% | 1,478 |
| Net interest margin | 9.3262% | 31 |
| Noninterest income to average assets | 0.2237% | 6,127 |
| Noninterest expense to average assets | 4.1550% | 860 |
| Loan and lease loss provision to assets | 1.1167% | 650 |
| Net operating income to assets | 2.1834% | 269 |
| Return on assets (ROA) | 2.1834% | 280 |
| Pretax return on assets | 3.7335% | 109 |
| Return on Equity (ROE) | 19.7413% | 342 |
| Retained earnings to average equity (ytd only) | 19.7413% | 168 |
| Net charge-offs to loans | 1.2995% | 1,067 |
| Credit loss provision to net charge-offs | 92.0923% | 2,902 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,580 |
| Efficiency ratio | 46.1402% | 7,199 |
| Assets per employee ($millions) | 2.4977% | 6,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8709% | 1,039 |
| Loan loss allowance to noncurrent loans | 297.5000% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 1.1321% | 4,668 |
| Noncurrent loans to loans | 0.9650% | 5,116 |
| Net loans and leases to total assets | 90.6708% | 31 |
| Net loans and leases to deposits | 102.8954% | 350 |
| Net loans and leases to core deposits | 110.0995% | 713 |
| Total domestic deposits to total assets | 88.1194% | 2,303 |
| Equity capital to assets | 11.3571% | 2,374 |
| Core capital (leverage) ratio | 11.3254% | 1,941 |
| Tier 1 risk-based capital ratio | 12.0842% | 5,614 |
| Total risk-based capital ratio | 13.3537% | 5,594 |
| Memoranda: | ||
| Average total assets | $200,240,500 | 3,111 |
| Average earning assets | $188,545,000 | 3,033 |
| Average equity | $22,146,500 | 2,851 |
| Average total loans | $186,840,500 | 2,226 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8898% | 33 |
| Cost of funding earning assets | 1.7698% | 1,303 |
| Net interest margin | 9.1200% | 33 |
| Noninterest income to average assets | 0.2276% | 6,179 |
| Noninterest expense to average assets | 4.4279% | 697 |
| Loan and lease loss provision to assets | 2.5953% | 420 |
| Net operating income to assets | 1.1072% | 1,686 |
| Return on assets (ROA) | 1.1072% | 1,759 |
| Pretax return on assets | 1.9080% | 598 |
| Return on Equity (ROE) | 10.8809% | 1,623 |
| Retained earnings to average equity (ytd only) | 10.8809% | 395 |
| Net charge-offs to loans | 2.8232% | 621 |
| Credit loss provision to net charge-offs | 99.5184% | 4,649 |
| Earnings coverage of net charge-offs (x) | 1.7268% | 4,424 |
| Efficiency ratio | 49.5781% | 7,155 |
| Assets per employee ($millions) | 2.5401% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8869% | 966 |
| Loan loss allowance to noncurrent loans | 322.7599% | 956 |
| Noncurrent assets plus other real estate owned to assets | 1.1143% | 4,784 |
| Noncurrent loans to loans | 0.8945% | 5,270 |
| Net loans and leases to total assets | 90.5730% | 46 |
| Net loans and leases to deposits | 101.9921% | 487 |
| Net loans and leases to core deposits | 108.8884% | 990 |
| Total domestic deposits to total assets | 88.8039% | 1,768 |
| Equity capital to assets | 10.7640% | 2,892 |
| Core capital (leverage) ratio | 10.7672% | 2,331 |
| Tier 1 risk-based capital ratio | 11.5841% | 5,837 |
| Total risk-based capital ratio | 12.8567% | 5,826 |
| Memoranda: | ||
| Average total assets | $199,055,800 | 3,113 |
| Average earning assets | $189,966,200 | 3,008 |
| Average equity | $20,255,600 | 3,114 |
| Average total loans | $183,872,600 | 2,311 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5870% | 35 |
| Cost of funding earning assets | 1.8521% | 1,205 |
| Net interest margin | 8.7349% | 34 |
| Noninterest income to average assets | 0.2342% | 6,209 |
| Noninterest expense to average assets | 4.3297% | 720 |
| Loan and lease loss provision to assets | 2.7451% | 351 |
| Net operating income to assets | 0.8578% | 2,787 |
| Return on assets (ROA) | 0.8578% | 2,914 |
| Pretax return on assets | 1.4813% | 1,658 |
| Return on Equity (ROE) | 8.5542% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.5542% | 1,220 |
| Net charge-offs to loans | 2.9972% | 514 |
| Credit loss provision to net charge-offs | 99.3925% | 4,388 |
| Earnings coverage of net charge-offs (x) | 1.5303% | 4,578 |
| Efficiency ratio | 50.6040% | 7,107 |
| Assets per employee ($millions) | 2.5925% | 6,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8798% | 930 |
| Loan loss allowance to noncurrent loans | 325.4819% | 910 |
| Noncurrent assets plus other real estate owned to assets | 1.0988% | 4,915 |
| Noncurrent loans to loans | 0.8848% | 5,465 |
| Net loans and leases to total assets | 90.1086% | 57 |
| Net loans and leases to deposits | 100.7837% | 602 |
| Net loans and leases to core deposits | 105.6031% | 1,354 |
| Total domestic deposits to total assets | 89.4079% | 1,170 |
| Equity capital to assets | 10.2237% | 3,848 |
| Core capital (leverage) ratio | 10.2945% | 2,929 |
| Tier 1 risk-based capital ratio | 11.0677% | 6,319 |
| Total risk-based capital ratio | 12.3386% | 6,291 |
| Memoranda: | ||
| Average total assets | $198,652,750 | 3,159 |
| Average earning assets | $189,258,500 | 3,054 |
| Average equity | $19,919,500 | 3,196 |
| Average total loans | $183,052,250 | 2,357 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4912% | 35 |
| Cost of funding earning assets | 1.9297% | 1,110 |
| Net interest margin | 8.5615% | 36 |
| Noninterest income to average assets | 0.2340% | 6,233 |
| Noninterest expense to average assets | 4.3694% | 668 |
| Loan and lease loss provision to assets | 2.9666% | 333 |
| Net operating income to assets | 0.6087% | 3,844 |
| Return on assets (ROA) | 0.6087% | 3,978 |
| Pretax return on assets | 1.0584% | 2,906 |
| Return on Equity (ROE) | 6.1115% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.1115% | 2,274 |
| Net charge-offs to loans | 3.2766% | 462 |
| Credit loss provision to net charge-offs | 98.4869% | 4,166 |
| Earnings coverage of net charge-offs (x) | 1.3362% | 4,492 |
| Efficiency ratio | 52.0512% | 7,063 |
| Assets per employee ($millions) | 2.6101% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9172% | 897 |
| Loan loss allowance to noncurrent loans | 415.3549% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 5,190 |
| Noncurrent loans to loans | 0.7023% | 5,838 |
| Net loans and leases to total assets | 90.3113% | 68 |
| Net loans and leases to deposits | 100.7825% | 660 |
| Net loans and leases to core deposits | 105.6722% | 1,481 |
| Total domestic deposits to total assets | 89.6101% | 1,122 |
| Equity capital to assets | 10.0809% | 3,906 |
| Core capital (leverage) ratio | 10.1251% | 3,031 |
| Tier 1 risk-based capital ratio | 10.8573% | 6,396 |
| Total risk-based capital ratio | 12.1294% | 6,359 |
| Memoranda: | ||
| Average total assets | $197,464,670 | 3,201 |
| Average earning assets | $188,214,330 | 3,092 |
| Average equity | $19,668,000 | 3,221 |
| Average total loans | $181,530,330 | 2,409 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3955% | 40 |
| Cost of funding earning assets | 2.0147% | 1,033 |
| Net interest margin | 8.3809% | 42 |
| Noninterest income to average assets | 0.2355% | 6,269 |
| Noninterest expense to average assets | 4.1723% | 838 |
| Loan and lease loss provision to assets | 3.2708% | 294 |
| Net operating income to assets | 0.4385% | 4,673 |
| Return on assets (ROA) | 0.4385% | 4,802 |
| Pretax return on assets | 0.7654% | 4,008 |
| Return on Equity (ROE) | 4.4300% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.4300% | 3,496 |
| Net charge-offs to loans | 3.7905% | 363 |
| Credit loss provision to net charge-offs | 94.4314% | 3,556 |
| Earnings coverage of net charge-offs (x) | 1.1653% | 4,066 |
| Efficiency ratio | 50.8286% | 7,254 |
| Assets per employee ($millions) | 2.4699% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9448% | 862 |
| Loan loss allowance to noncurrent loans | 496.5549% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.9225% | 5,304 |
| Noncurrent loans to loans | 0.5930% | 6,125 |
| Net loans and leases to total assets | 90.0792% | 66 |
| Net loans and leases to deposits | 100.3150% | 734 |
| Net loans and leases to core deposits | 112.1935% | 1,149 |
| Total domestic deposits to total assets | 89.7963% | 1,087 |
| Equity capital to assets | 10.0504% | 3,799 |
| Core capital (leverage) ratio | 9.9642% | 3,210 |
| Tier 1 risk-based capital ratio | 10.7968% | 6,347 |
| Total risk-based capital ratio | 12.0653% | 6,309 |
| Memoranda: | ||
| Average total assets | $197,014,500 | 3,257 |
| Average earning assets | $187,427,000 | 3,157 |
| Average equity | $19,503,500 | 3,263 |
| Average total loans | $180,031,000 | 2,487 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2212% | 31 |
| Cost of funding earning assets | 3.0657% | 192 |
| Net interest margin | 8.1555% | 33 |
| Noninterest income to average assets | 0.2112% | 6,596 |
| Noninterest expense to average assets | 4.2937% | 997 |
| Loan and lease loss provision to assets | 3.2869% | 490 |
| Net operating income to assets | 0.2029% | 4,897 |
| Return on assets (ROA) | 0.1761% | 5,044 |
| Pretax return on assets | 0.3302% | 4,687 |
| Return on Equity (ROE) | 1.9128% | 4,943 |
| Retained earnings to average equity (ytd only) | 1.9128% | 3,758 |
| Net charge-offs to loans | 3.2552% | 620 |
| Credit loss provision to net charge-offs | 108.3628% | 5,109 |
| Earnings coverage of net charge-offs (x) | 1.2014% | 4,924 |
| Efficiency ratio | 54.0929% | 7,220 |
| Assets per employee ($millions) | 2.4863% | 7,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0331% | 750 |
| Loan loss allowance to noncurrent loans | 289.3390% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 1.3454% | 4,409 |
| Noncurrent loans to loans | 1.0483% | 5,222 |
| Net loans and leases to total assets | 87.2450% | 212 |
| Net loans and leases to deposits | 96.8787% | 1,223 |
| Net loans and leases to core deposits | 155.7425% | 397 |
| Total domestic deposits to total assets | 90.0560% | 933 |
| Equity capital to assets | 9.7515% | 4,063 |
| Core capital (leverage) ratio | 9.4639% | 3,770 |
| Tier 1 risk-based capital ratio | 10.7665% | 6,140 |
| Total risk-based capital ratio | 12.0382% | 6,095 |
| Memoranda: | ||
| Average total assets | $204,998,600 | 3,117 |
| Average earning assets | $194,212,600 | 3,046 |
| Average equity | $18,873,200 | 3,363 |
| Average total loans | $191,016,200 | 2,395 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1612% | 31 |
| Cost of funding earning assets | 3.2648% | 157 |
| Net interest margin | 7.8964% | 36 |
| Noninterest income to average assets | 0.1304% | 7,230 |
| Noninterest expense to average assets | 4.2345% | 995 |
| Loan and lease loss provision to assets | 2.9601% | 505 |
| Net operating income to assets | 0.2389% | 5,025 |
| Return on assets (ROA) | 0.2034% | 5,230 |
| Pretax return on assets | 0.3828% | 4,841 |
| Return on Equity (ROE) | 2.2408% | 5,085 |
| Retained earnings to average equity (ytd only) | 2.2408% | 4,078 |
| Net charge-offs to loans | 2.8655% | 609 |
| Credit loss provision to net charge-offs | 109.9520% | 4,623 |
| Earnings coverage of net charge-offs (x) | 1.2549% | 4,832 |
| Efficiency ratio | 55.6225% | 7,056 |
| Assets per employee ($millions) | 2.6273% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7736% | 815 |
| Loan loss allowance to noncurrent loans | 312.9336% | 971 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 4,663 |
| Noncurrent loans to loans | 0.8863% | 5,514 |
| Net loans and leases to total assets | 89.9033% | 123 |
| Net loans and leases to deposits | 99.2770% | 1,180 |
| Net loans and leases to core deposits | 175.9868% | 215 |
| Total domestic deposits to total assets | 90.5581% | 562 |
| Equity capital to assets | 9.3229% | 4,996 |
| Core capital (leverage) ratio | 9.4357% | 3,998 |
| Tier 1 risk-based capital ratio | 9.9817% | 7,003 |
| Total risk-based capital ratio | 11.2502% | 6,934 |
| Memoranda: | ||
| Average total assets | $206,522,500 | 3,117 |
| Average earning assets | $195,696,750 | 3,047 |
| Average equity | $18,742,500 | 3,410 |
| Average total loans | $194,030,000 | 2,383 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3410% | 32 |
| Cost of funding earning assets | 3.4513% | 128 |
| Net interest margin | 7.8897% | 37 |
| Noninterest income to average assets | 0.1474% | 7,209 |
| Noninterest expense to average assets | 4.0295% | 1,275 |
| Loan and lease loss provision to assets | 3.0391% | 497 |
| Net operating income to assets | 0.3230% | 4,792 |
| Return on assets (ROA) | 0.3764% | 4,700 |
| Pretax return on assets | 0.6140% | 4,287 |
| Return on Equity (ROE) | 4.1855% | 4,420 |
| Retained earnings to average equity (ytd only) | 4.1855% | 2,970 |
| Net charge-offs to loans | 3.2968% | 485 |
| Credit loss provision to net charge-offs | 97.6012% | 4,687 |
| Earnings coverage of net charge-offs (x) | 1.1561% | 4,656 |
| Efficiency ratio | 52.8163% | 7,452 |
| Assets per employee ($millions) | 2.6672% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4846% | 916 |
| Loan loss allowance to noncurrent loans | 266.9061% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 4,431 |
| Noncurrent loans to loans | 0.9309% | 5,355 |
| Net loans and leases to total assets | 91.1378% | 84 |
| Net loans and leases to deposits | 100.6936% | 1,214 |
| Net loans and leases to core deposits | 173.1534% | 286 |
| Total domestic deposits to total assets | 90.5100% | 627 |
| Equity capital to assets | 9.3362% | 4,816 |
| Core capital (leverage) ratio | 9.2832% | 4,191 |
| Tier 1 risk-based capital ratio | 9.9112% | 7,026 |
| Total risk-based capital ratio | 11.1761% | 6,936 |
| Memoranda: | ||
| Average total assets | $206,179,000 | 3,152 |
| Average earning assets | $195,521,330 | 3,068 |
| Average equity | $18,540,000 | 3,463 |
| Average total loans | $194,733,330 | 2,400 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6133% | 31 |
| Cost of funding earning assets | 3.6184% | 105 |
| Net interest margin | 7.9948% | 41 |
| Noninterest income to average assets | 0.1657% | 7,118 |
| Noninterest expense to average assets | 3.6288% | 1,800 |
| Loan and lease loss provision to assets | 3.6424% | 279 |
| Net operating income to assets | 0.2495% | 5,490 |
| Return on assets (ROA) | 0.2495% | 5,654 |
| Pretax return on assets | 0.4385% | 5,277 |
| Return on Equity (ROE) | 2.8290% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.8290% | 4,303 |
| Net charge-offs to loans | 2.6170% | 517 |
| Credit loss provision to net charge-offs | 146.5882% | 2,832 |
| Earnings coverage of net charge-offs (x) | 1.6424% | 3,909 |
| Efficiency ratio | 47.0677% | 7,788 |
| Assets per employee ($millions) | 2.6312% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8061% | 576 |
| Loan loss allowance to noncurrent loans | 211.4527% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6576% | 3,430 |
| Noncurrent loans to loans | 1.3270% | 4,326 |
| Net loans and leases to total assets | 92.8560% | 47 |
| Net loans and leases to deposits | 102.6634% | 1,119 |
| Net loans and leases to core deposits | 177.5604% | 262 |
| Total domestic deposits to total assets | 90.4470% | 620 |
| Equity capital to assets | 8.8494% | 5,552 |
| Core capital (leverage) ratio | 8.7849% | 5,017 |
| Tier 1 risk-based capital ratio | 9.2041% | 7,673 |
| Total risk-based capital ratio | 10.4731% | 7,645 |
| Memoranda: | ||
| Average total assets | $205,248,500 | 3,177 |
| Average earning assets | $193,675,000 | 3,101 |
| Average equity | $18,098,500 | 3,555 |
| Average total loans | $194,883,000 | 2,422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8649% | 33 |
| Cost of funding earning assets | 4.2282% | 42 |
| Net interest margin | 7.6367% | 43 |
| Noninterest income to average assets | 0.1472% | 7,363 |
| Noninterest expense to average assets | 4.0103% | 1,407 |
| Loan and lease loss provision to assets | 3.2447% | 267 |
| Net operating income to assets | 0.0899% | 6,135 |
| Return on assets (ROA) | 0.0899% | 5,978 |
| Pretax return on assets | 0.1743% | 5,783 |
| Return on Equity (ROE) | 1.0077% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.0077% | 4,623 |
| Net charge-offs to loans | 2.7753% | 338 |
| Credit loss provision to net charge-offs | 123.0520% | 4,362 |
| Earnings coverage of net charge-offs (x) | 1.2966% | 5,479 |
| Efficiency ratio | 53.9793% | 7,270 |
| Assets per employee ($millions) | 2.4149% | 7,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5339% | 652 |
| Loan loss allowance to noncurrent loans | 198.6240% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 1.5936% | 3,052 |
| Noncurrent loans to loans | 1.2757% | 3,956 |
| Net loans and leases to total assets | 91.9718% | 84 |
| Net loans and leases to deposits | 101.1222% | 1,691 |
| Net loans and leases to core deposits | 171.6078% | 376 |
| Total domestic deposits to total assets | 90.9511% | 344 |
| Equity capital to assets | 8.7863% | 5,675 |
| Core capital (leverage) ratio | 8.8937% | 4,898 |
| Tier 1 risk-based capital ratio | 9.1872% | 7,628 |
| Total risk-based capital ratio | 10.4526% | 7,565 |
| Memoranda: | ||
| Average total assets | $199,062,400 | 3,151 |
| Average earning assets | $189,820,400 | 3,042 |
| Average equity | $17,763,800 | 3,599 |
| Average total loans | $189,132,800 | 2,402 |