Home > BayVanguard Bank > Performance and Condition Ratios
BayVanguard Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 1,313 |
| Cost of funding earning assets | 0.9091% | 3,504 |
| Net interest margin | 4.4905% | 626 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.1805% | 3,182 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.7444% | 670 |
| Return on assets (ROA) | 1.7444% | 639 |
| Pretax return on assets | 2.3527% | 400 |
| Return on Equity (ROE) | 10.5900% | 2,339 |
| Retained earnings to average equity (ytd only) | 7.9981% | 1,541 |
| Net charge-offs to loans | -0.0675% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.6951% | 4,101 |
| Assets per employee ($millions) | 7.8257% | 1,525 |
| Cash dividends to net income (ytd only)* | 24.4411% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 2,218 |
| Loan loss allowance to noncurrent loans | 81.0191% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2240% | 350 |
| Noncurrent loans to loans | 1.4981% | 461 |
| Net loans and leases to total assets | 79.4300% | 710 |
| Net loans and leases to deposits | 101.9153% | 438 |
| Net loans and leases to core deposits | 106.5650% | 1,090 |
| Total domestic deposits to total assets | 77.9400% | 3,735 |
| Equity capital to assets | 20.0082% | 283 |
| Core capital (leverage) ratio | 18.4993% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2552% | 364 |
| Memoranda: | ||
| Average total assets | $879,578,000 | 1,105 |
| Average earning assets | $803,466,200 | 1,103 |
| Average equity | $144,946,600 | 691 |
| Average total loans | $691,602,400 | 974 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 1,289 |
| Cost of funding earning assets | 0.8501% | 3,401 |
| Net interest margin | 4.4527% | 658 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.1358% | 3,245 |
| Loan and lease loss provision to assets | -0.0700% | 4,511 |
| Net operating income to assets | 1.8168% | 644 |
| Return on assets (ROA) | 1.8168% | 637 |
| Pretax return on assets | 2.4605% | 398 |
| Return on Equity (ROE) | 11.6500% | 2,212 |
| Retained earnings to average equity (ytd only) | 8.7332% | 1,758 |
| Net charge-offs to loans | -0.0816% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.7586% | 4,097 |
| Assets per employee ($millions) | 8.3877% | 1,169 |
| Cash dividends to net income (ytd only)* | 25.0083% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 2,601 |
| Loan loss allowance to noncurrent loans | 214.0457% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 1,229 |
| Noncurrent loans to loans | 0.5387% | 1,477 |
| Net loans and leases to total assets | 75.7500% | 1,150 |
| Net loans and leases to deposits | 101.0361% | 471 |
| Net loans and leases to core deposits | 108.0530% | 939 |
| Total domestic deposits to total assets | 74.9700% | 4,090 |
| Equity capital to assets | 18.6199% | 323 |
| Core capital (leverage) ratio | 17.4004% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8601% | 390 |
| Memoranda: | ||
| Average total assets | $880,353,500 | 1,106 |
| Average earning assets | $802,910,750 | 1,104 |
| Average equity | $137,341,500 | 720 |
| Average total loans | $688,310,500 | 974 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 1,292 |
| Cost of funding earning assets | 0.6900% | 3,515 |
| Net interest margin | 4.4545% | 650 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.1165% | 3,305 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 1.8302% | 623 |
| Return on assets (ROA) | 1.8302% | 621 |
| Pretax return on assets | 2.4646% | 372 |
| Return on Equity (ROE) | 12.6000% | 1,986 |
| Retained earnings to average equity (ytd only) | 9.0213% | 1,679 |
| Net charge-offs to loans | -0.0487% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.0847% | 4,159 |
| Assets per employee ($millions) | 8.1440% | 1,254 |
| Cash dividends to net income (ytd only)* | 28.3840% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 2,647 |
| Loan loss allowance to noncurrent loans | 179.6830% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5589% | 971 |
| Noncurrent loans to loans | 0.6466% | 1,157 |
| Net loans and leases to total assets | 76.1400% | 1,034 |
| Net loans and leases to deposits | 95.0705% | 784 |
| Net loans and leases to core deposits | 103.0907% | 1,088 |
| Total domestic deposits to total assets | 80.0900% | 3,571 |
| Equity capital to assets | 14.1240% | 632 |
| Core capital (leverage) ratio | 13.6770% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2861% | 915 |
| Memoranda: | ||
| Average total assets | $866,257,000 | 1,107 |
| Average earning assets | $786,398,333 | 1,115 |
| Average equity | $125,857,000 | 777 |
| Average total loans | $682,072,000 | 972 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0582% | 1,129 |
| Cost of funding earning assets | 0.4970% | 3,696 |
| Net interest margin | 4.5612% | 532 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.2060% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6995% | 823 |
| Return on assets (ROA) | 1.6995% | 818 |
| Pretax return on assets | 2.3232% | 465 |
| Return on Equity (ROE) | 11.5200% | 2,350 |
| Retained earnings to average equity (ytd only) | 6.6993% | 2,583 |
| Net charge-offs to loans | -0.0226% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.2148% | 4,068 |
| Assets per employee ($millions) | 7.2622% | 1,775 |
| Cash dividends to net income (ytd only)* | 41.8644% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 2,614 |
| Loan loss allowance to noncurrent loans | 177.1722% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7783% | 618 |
| Noncurrent loans to loans | 0.6710% | 1,124 |
| Net loans and leases to total assets | 79.1800% | 620 |
| Net loans and leases to deposits | 100.2070% | 438 |
| Net loans and leases to core deposits | 104.9703% | 877 |
| Total domestic deposits to total assets | 79.0200% | 3,897 |
| Equity capital to assets | 14.7476% | 505 |
| Core capital (leverage) ratio | 13.5333% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1139% | 981 |
| Memoranda: | ||
| Average total assets | $843,324,000 | 1,147 |
| Average earning assets | $766,986,500 | 1,159 |
| Average equity | $124,371,500 | 794 |
| Average total loans | $671,783,000 | 999 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4085% | 868 |
| Cost of funding earning assets | 0.1807% | 3,902 |
| Net interest margin | 4.2278% | 499 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.3752% | 2,493 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.5795% | 720 |
| Return on assets (ROA) | 1.5795% | 691 |
| Pretax return on assets | 2.1160% | 368 |
| Return on Equity (ROE) | 11.3000% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.6798% | 1,247 |
| Net charge-offs to loans | -0.0172% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.9887% | 4,066 |
| Assets per employee ($millions) | 7.8221% | 1,428 |
| Cash dividends to net income (ytd only)* | 14.3689% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5754% | 4,363 |
| Loan loss allowance to noncurrent loans | 65.0017% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 465 |
| Noncurrent loans to loans | 0.8852% | 834 |
| Net loans and leases to total assets | 78.7200% | 730 |
| Net loans and leases to deposits | 95.7978% | 655 |
| Net loans and leases to core deposits | 99.8815% | 1,009 |
| Total domestic deposits to total assets | 82.1700% | 3,598 |
| Equity capital to assets | 14.7480% | 498 |
| Core capital (leverage) ratio | 13.3887% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3404% | 1,077 |
| Memoranda: | ||
| Average total assets | $837,150,800 | 1,148 |
| Average earning assets | $757,176,800 | 1,161 |
| Average equity | $116,976,000 | 833 |
| Average total loans | $633,807,800 | 994 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 846 |
| Cost of funding earning assets | 0.1740% | 3,576 |
| Net interest margin | 4.0529% | 573 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 2.1562% | 3,053 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4499% | 954 |
| Return on assets (ROA) | 1.4499% | 930 |
| Pretax return on assets | 1.9484% | 517 |
| Return on Equity (ROE) | 10.5200% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.3261% | 1,876 |
| Net charge-offs to loans | -0.0183% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.8422% | 4,109 |
| Assets per employee ($millions) | 8.0083% | 1,322 |
| Cash dividends to net income (ytd only)* | 20.8699% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5135% | 4,458 |
| Loan loss allowance to noncurrent loans | 51.1411% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0128% | 442 |
| Noncurrent loans to loans | 1.0042% | 769 |
| Net loans and leases to total assets | 76.9300% | 808 |
| Net loans and leases to deposits | 91.4856% | 794 |
| Net loans and leases to core deposits | 95.2364% | 1,036 |
| Total domestic deposits to total assets | 84.0900% | 3,487 |
| Equity capital to assets | 14.1800% | 548 |
| Core capital (leverage) ratio | 12.6925% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8868% | 1,198 |
| Memoranda: | ||
| Average total assets | $837,196,500 | 1,158 |
| Average earning assets | $756,895,750 | 1,169 |
| Average equity | $115,361,000 | 856 |
| Average total loans | $626,592,000 | 1,001 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 807 |
| Cost of funding earning assets | 0.1829% | 3,146 |
| Net interest margin | 3.8973% | 608 |
| Noninterest income to average assets | 0.6388% | 1,587 |
| Noninterest expense to average assets | 2.1434% | 3,023 |
| Loan and lease loss provision to assets | 0.0959% | 1,035 |
| Net operating income to assets | 1.4491% | 799 |
| Return on assets (ROA) | 1.4491% | 778 |
| Pretax return on assets | 1.9226% | 448 |
| Return on Equity (ROE) | 10.6198% | 2,130 |
| Retained earnings to average equity (ytd only) | 8.6035% | 1,398 |
| Net charge-offs to loans | -0.0120% | 3,650 |
| Credit loss provision to net charge-offs | -1,083.7838% | 3,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9772% | 4,190 |
| Assets per employee ($millions) | 7.6564% | 1,509 |
| Cash dividends to net income (ytd only)* | 18.9863% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4900% | 4,560 |
| Loan loss allowance to noncurrent loans | 71.1274% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 704 |
| Noncurrent loans to loans | 0.6889% | 1,255 |
| Net loans and leases to total assets | 74.1734% | 896 |
| Net loans and leases to deposits | 87.2075% | 891 |
| Net loans and leases to core deposits | 90.8686% | 1,068 |
| Total domestic deposits to total assets | 85.0539% | 3,476 |
| Equity capital to assets | 13.8289% | 543 |
| Core capital (leverage) ratio | 12.2224% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7702% | 1,028 |
| Memoranda: | ||
| Average total assets | $835,972,667 | 1,154 |
| Average earning assets | $755,710,333 | 1,182 |
| Average equity | $114,069,667 | 876 |
| Average total loans | $618,723,000 | 1,001 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 831 |
| Cost of funding earning assets | 0.1965% | 2,848 |
| Net interest margin | 3.7654% | 671 |
| Noninterest income to average assets | 0.7179% | 1,257 |
| Noninterest expense to average assets | 2.0791% | 3,222 |
| Loan and lease loss provision to assets | 0.0854% | 976 |
| Net operating income to assets | 1.4354% | 735 |
| Return on assets (ROA) | 1.4354% | 732 |
| Pretax return on assets | 1.9555% | 395 |
| Return on Equity (ROE) | 10.5927% | 1,758 |
| Retained earnings to average equity (ytd only) | 8.9904% | 1,274 |
| Net charge-offs to loans | -0.0288% | 4,071 |
| Credit loss provision to net charge-offs | -402.2727% | 3,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9356% | 4,313 |
| Assets per employee ($millions) | 7.7971% | 1,489 |
| Cash dividends to net income (ytd only)* | 15.1261% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4542% | 4,619 |
| Loan loss allowance to noncurrent loans | 76.5782% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 852 |
| Noncurrent loans to loans | 0.5931% | 1,572 |
| Net loans and leases to total assets | 74.4456% | 628 |
| Net loans and leases to deposits | 88.0173% | 617 |
| Net loans and leases to core deposits | 91.1408% | 868 |
| Total domestic deposits to total assets | 84.5807% | 3,640 |
| Equity capital to assets | 13.5738% | 589 |
| Core capital (leverage) ratio | 12.0514% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8062% | 1,078 |
| Memoranda: | ||
| Average total assets | $829,029,000 | 1,159 |
| Average earning assets | $749,026,000 | 1,191 |
| Average equity | $112,341,500 | 914 |
| Average total loans | $611,347,500 | 1,007 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 1,254 |
| Cost of funding earning assets | 0.2653% | 2,752 |
| Net interest margin | 3.7817% | 1,048 |
| Noninterest income to average assets | 0.2908% | 3,655 |
| Noninterest expense to average assets | 1.7950% | 4,156 |
| Loan and lease loss provision to assets | 0.0714% | 1,661 |
| Net operating income to assets | 1.3655% | 1,395 |
| Return on assets (ROA) | 1.3655% | 1,443 |
| Pretax return on assets | 1.8371% | 842 |
| Return on Equity (ROE) | 10.5127% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.2220% | 1,127 |
| Net charge-offs to loans | -0.0418% | 4,239 |
| Credit loss provision to net charge-offs | -230.0000% | 3,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8741% | 4,413 |
| Assets per employee ($millions) | 7.9232% | 1,371 |
| Cash dividends to net income (ytd only)* | 12.2772% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4541% | 4,659 |
| Loan loss allowance to noncurrent loans | 91.1141% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 1,081 |
| Noncurrent loans to loans | 0.4984% | 1,877 |
| Net loans and leases to total assets | 72.3162% | 823 |
| Net loans and leases to deposits | 84.8717% | 858 |
| Net loans and leases to core deposits | 87.5862% | 1,104 |
| Total domestic deposits to total assets | 85.2064% | 3,208 |
| Equity capital to assets | 13.5270% | 759 |
| Core capital (leverage) ratio | 11.7942% | 1,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0740% | 1,029 |
| Memoranda: | ||
| Average total assets | $805,246,800 | 1,153 |
| Average earning assets | $726,648,800 | 1,184 |
| Average equity | $104,597,400 | 975 |
| Average total loans | $598,636,200 | 1,017 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 1,569 |
| Cost of funding earning assets | 0.2817% | 2,778 |
| Net interest margin | 3.7041% | 1,320 |
| Noninterest income to average assets | 0.3011% | 3,631 |
| Noninterest expense to average assets | 1.7806% | 4,205 |
| Loan and lease loss provision to assets | 0.0447% | 2,100 |
| Net operating income to assets | 1.3402% | 1,716 |
| Return on assets (ROA) | 1.3402% | 1,768 |
| Pretax return on assets | 1.8137% | 1,133 |
| Return on Equity (ROE) | 10.4262% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.2659% | 1,590 |
| Net charge-offs to loans | -0.0326% | 4,169 |
| Credit loss provision to net charge-offs | -183.6735% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3241% | 4,343 |
| Assets per employee ($millions) | 8.1662% | 1,196 |
| Cash dividends to net income (ytd only)* | 11.1290% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3934% | 4,770 |
| Loan loss allowance to noncurrent loans | 32.0830% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 568 |
| Noncurrent loans to loans | 1.2263% | 902 |
| Net loans and leases to total assets | 71.4346% | 933 |
| Net loans and leases to deposits | 83.6882% | 984 |
| Net loans and leases to core deposits | 86.4862% | 1,258 |
| Total domestic deposits to total assets | 85.3580% | 3,000 |
| Equity capital to assets | 13.3676% | 884 |
| Core capital (leverage) ratio | 11.5429% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2180% | 1,097 |
| Memoranda: | ||
| Average total assets | $804,516,250 | 1,161 |
| Average earning assets | $724,982,250 | 1,197 |
| Average equity | $103,416,500 | 1,001 |
| Average total loans | $601,519,500 | 1,027 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 1,633 |
| Cost of funding earning assets | 0.3053% | 2,738 |
| Net interest margin | 3.6691% | 1,429 |
| Noninterest income to average assets | 0.3241% | 3,487 |
| Noninterest expense to average assets | 1.7056% | 4,352 |
| Loan and lease loss provision to assets | 0.0447% | 2,119 |
| Net operating income to assets | 1.3890% | 1,587 |
| Return on assets (ROA) | 1.3890% | 1,663 |
| Pretax return on assets | 1.8754% | 1,065 |
| Return on Equity (ROE) | 10.9499% | 2,439 |
| Retained earnings to average equity (ytd only) | 10.0695% | 1,373 |
| Net charge-offs to loans | -0.0380% | 4,251 |
| Credit loss provision to net charge-offs | -155.1724% | 3,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4203% | 4,495 |
| Assets per employee ($millions) | 8.7040% | 950 |
| Cash dividends to net income (ytd only)* | 8.0400% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3545% | 4,825 |
| Loan loss allowance to noncurrent loans | 30.2992% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 656 |
| Noncurrent loans to loans | 1.1700% | 1,035 |
| Net loans and leases to total assets | 75.0163% | 673 |
| Net loans and leases to deposits | 87.6622% | 797 |
| Net loans and leases to core deposits | 90.5585% | 1,102 |
| Total domestic deposits to total assets | 85.5743% | 2,881 |
| Equity capital to assets | 13.0769% | 923 |
| Core capital (leverage) ratio | 11.1226% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8283% | 1,166 |
| Memoranda: | ||
| Average total assets | $805,926,333 | 1,149 |
| Average earning assets | $725,191,667 | 1,190 |
| Average equity | $102,229,000 | 1,006 |
| Average total loans | $610,713,000 | 1,013 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 1,545 |
| Cost of funding earning assets | 0.3277% | 2,729 |
| Net interest margin | 3.7019% | 1,327 |
| Noninterest income to average assets | 0.3755% | 3,218 |
| Noninterest expense to average assets | 1.6490% | 4,465 |
| Loan and lease loss provision to assets | 0.0445% | 2,179 |
| Net operating income to assets | 1.5114% | 1,304 |
| Return on assets (ROA) | 1.5114% | 1,365 |
| Pretax return on assets | 2.0185% | 917 |
| Return on Equity (ROE) | 12.1007% | 1,984 |
| Retained earnings to average equity (ytd only) | 10.3183% | 1,570 |
| Net charge-offs to loans | -0.0631% | 4,484 |
| Credit loss provision to net charge-offs | -92.7835% | 2,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8225% | 4,590 |
| Assets per employee ($millions) | 8.5959% | 955 |
| Cash dividends to net income (ytd only)* | 14.7300% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3269% | 4,861 |
| Loan loss allowance to noncurrent loans | 25.8806% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1978% | 622 |
| Noncurrent loans to loans | 1.2631% | 1,024 |
| Net loans and leases to total assets | 76.5272% | 584 |
| Net loans and leases to deposits | 89.3553% | 738 |
| Net loans and leases to core deposits | 92.4636% | 1,084 |
| Total domestic deposits to total assets | 85.6437% | 2,874 |
| Equity capital to assets | 12.6540% | 1,011 |
| Core capital (leverage) ratio | 10.7664% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7641% | 1,365 |
| Memoranda: | ||
| Average total assets | $808,504,000 | 1,131 |
| Average earning assets | $728,713,000 | 1,171 |
| Average equity | $100,985,500 | 1,005 |
| Average total loans | $614,646,500 | 1,003 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 1,817 |
| Cost of funding earning assets | 0.5848% | 2,413 |
| Net interest margin | 3.7333% | 1,694 |
| Noninterest income to average assets | 0.3531% | 3,355 |
| Noninterest expense to average assets | 2.1550% | 3,805 |
| Loan and lease loss provision to assets | 0.1486% | 2,514 |
| Net operating income to assets | 1.1083% | 1,897 |
| Return on assets (ROA) | 1.1083% | 2,016 |
| Pretax return on assets | 1.4203% | 1,595 |
| Return on Equity (ROE) | 7.1425% | 3,151 |
| Retained earnings to average equity (ytd only) | -67.1648% | 4,996 |
| Net charge-offs to loans | 0.0391% | 2,270 |
| Credit loss provision to net charge-offs | 472.7891% | 1,302 |
| Earnings coverage of net charge-offs (x) | 49.9048% | 1,201 |
| Efficiency ratio | 56.9779% | 3,862 |
| Assets per employee ($millions) | 8.0098% | 1,032 |
| Cash dividends to net income (ytd only)* | 1,040.3512% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3023% | 4,901 |
| Loan loss allowance to noncurrent loans | 32.5438% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.0441% | 897 |
| Noncurrent loans to loans | 0.9290% | 1,516 |
| Net loans and leases to total assets | 75.0406% | 899 |
| Net loans and leases to deposits | 88.5657% | 1,037 |
| Net loans and leases to core deposits | 91.7414% | 1,402 |
| Total domestic deposits to total assets | 84.7287% | 2,863 |
| Equity capital to assets | 12.3271% | 1,406 |
| Core capital (leverage) ratio | 12.9739% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4650% | 1,408 |
| Memoranda: | ||
| Average total assets | $467,571,200 | 1,642 |
| Average earning assets | $422,173,800 | 1,684 |
| Average equity | $72,551,400 | 1,259 |
| Average total loans | $375,783,000 | 1,427 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 1,451 |
| Cost of funding earning assets | 0.7065% | 1,990 |
| Net interest margin | 3.8440% | 1,488 |
| Noninterest income to average assets | 0.3363% | 3,466 |
| Noninterest expense to average assets | 2.3110% | 3,395 |
| Loan and lease loss provision to assets | 0.1023% | 3,040 |
| Net operating income to assets | 1.0573% | 2,116 |
| Return on assets (ROA) | 1.0573% | 2,254 |
| Pretax return on assets | 1.3999% | 1,731 |
| Return on Equity (ROE) | 6.1456% | 3,507 |
| Retained earnings to average equity (ytd only) | -54.5015% | 5,018 |
| Net charge-offs to loans | 0.0046% | 2,985 |
| Credit loss provision to net charge-offs | 2,663.6364% | 383 |
| Earnings coverage of net charge-offs (x) | 391.4545% | 292 |
| Efficiency ratio | 59.5828% | 3,449 |
| Assets per employee ($millions) | 6.4914% | 1,840 |
| Cash dividends to net income (ytd only)* | 986.8360% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4480% | 4,853 |
| Loan loss allowance to noncurrent loans | 304.6422% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 3,614 |
| Noncurrent loans to loans | 0.1471% | 3,797 |
| Net loans and leases to total assets | 84.2358% | 259 |
| Net loans and leases to deposits | 109.2411% | 242 |
| Net loans and leases to core deposits | 113.3263% | 581 |
| Total domestic deposits to total assets | 77.1100% | 4,311 |
| Equity capital to assets | 16.2115% | 444 |
| Core capital (leverage) ratio | 15.1533% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2301% | 499 |
| Memoranda: | ||
| Average total assets | $382,215,750 | 1,898 |
| Average earning assets | $345,712,000 | 1,937 |
| Average equity | $65,758,000 | 1,349 |
| Average total loans | $317,500,250 | 1,621 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4845% | 1,961 |
| Cost of funding earning assets | 0.7277% | 2,253 |
| Net interest margin | 3.7568% | 1,965 |
| Noninterest income to average assets | 0.2387% | 4,049 |
| Noninterest expense to average assets | 2.3652% | 3,359 |
| Loan and lease loss provision to assets | 0.1256% | 2,774 |
| Net operating income to assets | 0.8320% | 2,932 |
| Return on assets (ROA) | 0.8320% | 3,049 |
| Pretax return on assets | 1.1478% | 2,556 |
| Return on Equity (ROE) | 4.7342% | 3,904 |
| Retained earnings to average equity (ytd only) | -86.9789% | 5,056 |
| Net charge-offs to loans | 0.0353% | 2,032 |
| Credit loss provision to net charge-offs | 431.4815% | 1,340 |
| Earnings coverage of net charge-offs (x) | 43.7593% | 1,184 |
| Efficiency ratio | 63.9070% | 2,836 |
| Assets per employee ($millions) | 6.4758% | 1,806 |
| Cash dividends to net income (ytd only)* | 1,937.2409% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4180% | 4,897 |
| Loan loss allowance to noncurrent loans | 191.4174% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1867% | 3,601 |
| Noncurrent loans to loans | 0.2184% | 3,600 |
| Net loans and leases to total assets | 83.3066% | 311 |
| Net loans and leases to deposits | 107.6688% | 278 |
| Net loans and leases to core deposits | 111.8333% | 672 |
| Total domestic deposits to total assets | 77.3731% | 4,270 |
| Equity capital to assets | 15.6476% | 519 |
| Core capital (leverage) ratio | 14.7399% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0479% | 499 |
| Memoranda: | ||
| Average total assets | $371,138,667 | 1,917 |
| Average earning assets | $335,866,667 | 1,957 |
| Average equity | $65,227,333 | 1,345 |
| Average total loans | $306,157,000 | 1,637 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 2,372 |
| Cost of funding earning assets | 0.7427% | 2,709 |
| Net interest margin | 3.7338% | 2,205 |
| Noninterest income to average assets | 0.2149% | 4,263 |
| Noninterest expense to average assets | 2.4757% | 3,346 |
| Loan and lease loss provision to assets | 0.0878% | 2,592 |
| Net operating income to assets | 0.7752% | 2,998 |
| Return on assets (ROA) | 0.7752% | 3,076 |
| Pretax return on assets | 1.0316% | 2,732 |
| Return on Equity (ROE) | 4.1351% | 3,914 |
| Retained earnings to average equity (ytd only) | -180.1921% | 5,110 |
| Net charge-offs to loans | 0.0071% | 2,317 |
| Credit loss provision to net charge-offs | 1,520.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 193.8000% | 357 |
| Efficiency ratio | 67.7699% | 2,714 |
| Assets per employee ($millions) | 6.2233% | 1,504 |
| Cash dividends to net income (ytd only)* | 4,457.6751% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4132% | 4,939 |
| Loan loss allowance to noncurrent loans | 184.4384% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,736 |
| Noncurrent loans to loans | 0.2240% | 3,682 |
| Net loans and leases to total assets | 82.4746% | 398 |
| Net loans and leases to deposits | 105.8427% | 299 |
| Net loans and leases to core deposits | 109.7950% | 855 |
| Total domestic deposits to total assets | 77.9219% | 4,232 |
| Equity capital to assets | 16.2244% | 543 |
| Core capital (leverage) ratio | 17.9226% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8511% | 574 |
| Memoranda: | ||
| Average total assets | $346,244,000 | 1,975 |
| Average earning assets | $313,464,500 | 2,007 |
| Average equity | $64,908,500 | 1,352 |
| Average total loans | $283,169,000 | 1,698 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 1,592 |
| Cost of funding earning assets | 0.7102% | 3,116 |
| Net interest margin | 4.2479% | 1,213 |
| Noninterest income to average assets | 0.1875% | 4,542 |
| Noninterest expense to average assets | 2.7594% | 2,722 |
| Loan and lease loss provision to assets | 0.0407% | 3,199 |
| Net operating income to assets | 0.9155% | 3,147 |
| Return on assets (ROA) | 0.9155% | 3,223 |
| Pretax return on assets | 1.2353% | 2,721 |
| Return on Equity (ROE) | 4.4586% | 4,354 |
| Retained earnings to average equity (ytd only) | 4.4586% | 2,728 |
| Net charge-offs to loans | 0.2845% | 738 |
| Credit loss provision to net charge-offs | 18.0328% | 3,326 |
| Earnings coverage of net charge-offs (x) | 5.6574% | 3,057 |
| Efficiency ratio | 67.3447% | 2,553 |
| Assets per employee ($millions) | 5.6577% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 4,823 |
| Loan loss allowance to noncurrent loans | 107.8399% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 2,207 |
| Noncurrent loans to loans | 0.5070% | 2,672 |
| Net loans and leases to total assets | 79.9441% | 803 |
| Net loans and leases to deposits | 106.3706% | 288 |
| Net loans and leases to core deposits | 109.2782% | 894 |
| Total domestic deposits to total assets | 75.1562% | 4,689 |
| Equity capital to assets | 22.1609% | 179 |
| Core capital (leverage) ratio | 20.7431% | 210 |
| Tier 1 risk-based capital ratio | 32.3393% | 408 |
| Total risk-based capital ratio | 33.0280% | 416 |
| Memoranda: | ||
| Average total assets | $270,458,800 | 2,329 |
| Average earning assets | $244,992,600 | 2,373 |
| Average equity | $55,532,800 | 1,459 |
| Average total loans | $214,374,600 | 2,062 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9800% | 1,592 |
| Cost of funding earning assets | 0.7048% | 3,191 |
| Net interest margin | 4.2752% | 1,216 |
| Noninterest income to average assets | 0.1280% | 4,889 |
| Noninterest expense to average assets | 2.6865% | 2,902 |
| Loan and lease loss provision to assets | 0.0403% | 3,102 |
| Net operating income to assets | 0.9390% | 3,210 |
| Return on assets (ROA) | 0.9390% | 3,279 |
| Pretax return on assets | 1.2717% | 2,749 |
| Return on Equity (ROE) | 4.6764% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.6764% | 3,067 |
| Net charge-offs to loans | 0.3211% | 538 |
| Credit loss provision to net charge-offs | 15.9046% | 2,985 |
| Earnings coverage of net charge-offs (x) | 5.1749% | 2,940 |
| Efficiency ratio | 66.1919% | 2,700 |
| Assets per employee ($millions) | 5.8314% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5853% | 4,849 |
| Loan loss allowance to noncurrent loans | 86.7004% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 1,822 |
| Noncurrent loans to loans | 0.6751% | 2,269 |
| Net loans and leases to total assets | 78.1838% | 1,108 |
| Net loans and leases to deposits | 103.2142% | 442 |
| Net loans and leases to core deposits | 106.1260% | 1,174 |
| Total domestic deposits to total assets | 75.7491% | 4,672 |
| Equity capital to assets | 21.7153% | 192 |
| Core capital (leverage) ratio | 20.4884% | 231 |
| Tier 1 risk-based capital ratio | 32.4397% | 412 |
| Total risk-based capital ratio | 33.1777% | 423 |
| Memoranda: | ||
| Average total assets | $264,524,000 | 2,380 |
| Average earning assets | $239,485,500 | 2,430 |
| Average equity | $53,116,750 | 1,518 |
| Average total loans | $208,846,500 | 2,113 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 1,949 |
| Cost of funding earning assets | 0.6745% | 3,302 |
| Net interest margin | 4.1623% | 1,448 |
| Noninterest income to average assets | 0.1570% | 4,797 |
| Noninterest expense to average assets | 2.7401% | 2,780 |
| Loan and lease loss provision to assets | 0.0394% | 3,030 |
| Net operating income to assets | 0.8503% | 3,470 |
| Return on assets (ROA) | 0.8503% | 3,527 |
| Pretax return on assets | 1.1595% | 3,040 |
| Return on Equity (ROE) | 4.3737% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.3737% | 3,081 |
| Net charge-offs to loans | 0.1845% | 893 |
| Credit loss provision to net charge-offs | 27.0270% | 2,616 |
| Earnings coverage of net charge-offs (x) | 8.2162% | 2,435 |
| Efficiency ratio | 68.6624% | 2,425 |
| Assets per employee ($millions) | 5.4461% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6900% | 4,734 |
| Loan loss allowance to noncurrent loans | 73.1363% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 1,403 |
| Noncurrent loans to loans | 0.9434% | 1,724 |
| Net loans and leases to total assets | 79.6708% | 938 |
| Net loans and leases to deposits | 105.8622% | 348 |
| Net loans and leases to core deposits | 109.0830% | 1,030 |
| Total domestic deposits to total assets | 75.2590% | 4,744 |
| Equity capital to assets | 21.2873% | 199 |
| Core capital (leverage) ratio | 20.0373% | 239 |
| Tier 1 risk-based capital ratio | 31.6546% | 428 |
| Total risk-based capital ratio | 32.5406% | 437 |
| Memoranda: | ||
| Average total assets | $253,564,330 | 2,467 |
| Average earning assets | $230,400,670 | 2,497 |
| Average equity | $49,295,000 | 1,616 |
| Average total loans | $200,498,670 | 2,184 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 3,141 |
| Cost of funding earning assets | 0.5614% | 3,778 |
| Net interest margin | 3.8608% | 2,309 |
| Noninterest income to average assets | 0.1128% | 5,038 |
| Noninterest expense to average assets | 2.9144% | 2,238 |
| Loan and lease loss provision to assets | 0.0347% | 2,931 |
| Net operating income to assets | 0.5170% | 4,470 |
| Return on assets (ROA) | 0.5170% | 4,492 |
| Pretax return on assets | 0.6714% | 4,369 |
| Return on Equity (ROE) | 2.8340% | 4,825 |
| Retained earnings to average equity (ytd only) | 2.8340% | 3,806 |
| Net charge-offs to loans | 0.1440% | 893 |
| Credit loss provision to net charge-offs | 30.7692% | 2,084 |
| Earnings coverage of net charge-offs (x) | 6.2615% | 2,205 |
| Efficiency ratio | 79.9713% | 1,070 |
| Assets per employee ($millions) | 5.5732% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 4,689 |
| Loan loss allowance to noncurrent loans | 103.6159% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 1,915 |
| Noncurrent loans to loans | 0.7141% | 2,239 |
| Net loans and leases to total assets | 77.9126% | 1,168 |
| Net loans and leases to deposits | 102.6660% | 465 |
| Net loans and leases to core deposits | 104.9554% | 1,250 |
| Total domestic deposits to total assets | 75.8894% | 4,772 |
| Equity capital to assets | 20.9025% | 203 |
| Core capital (leverage) ratio | 19.5949% | 253 |
| Tier 1 risk-based capital ratio | 31.3490% | 432 |
| Total risk-based capital ratio | 32.2940% | 433 |
| Memoranda: | ||
| Average total assets | $230,579,000 | 2,633 |
| Average earning assets | $209,489,000 | 2,666 |
| Average equity | $42,061,000 | 1,854 |
| Average total loans | $180,598,000 | 2,365 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 2,076 |
| Cost of funding earning assets | 0.5431% | 3,093 |
| Net interest margin | 4.0784% | 1,752 |
| Noninterest income to average assets | 0.2756% | 4,258 |
| Noninterest expense to average assets | 3.1915% | 1,575 |
| Loan and lease loss provision to assets | 0.0267% | 3,644 |
| Net operating income to assets | 0.4053% | 4,853 |
| Return on assets (ROA) | 0.4053% | 4,844 |
| Pretax return on assets | 0.7155% | 4,373 |
| Return on Equity (ROE) | 3.2204% | 4,866 |
| Retained earnings to average equity (ytd only) | 3.2204% | 3,791 |
| Net charge-offs to loans | 0.0601% | 2,275 |
| Credit loss provision to net charge-offs | 58.6667% | 3,121 |
| Earnings coverage of net charge-offs (x) | 16.3333% | 2,252 |
| Efficiency ratio | 81.0719% | 874 |
| Assets per employee ($millions) | 4.3298% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,506 |
| Loan loss allowance to noncurrent loans | 205.6193% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 1,933 |
| Noncurrent loans to loans | 0.6978% | 2,246 |
| Net loans and leases to total assets | 76.8856% | 1,458 |
| Net loans and leases to deposits | 92.5459% | 1,466 |
| Net loans and leases to core deposits | 95.0189% | 2,137 |
| Total domestic deposits to total assets | 83.0783% | 3,305 |
| Equity capital to assets | 13.2426% | 1,236 |
| Core capital (leverage) ratio | 13.0461% | 1,228 |
| Tier 1 risk-based capital ratio | 21.4647% | 1,103 |
| Total risk-based capital ratio | 22.7215% | 1,080 |
| Memoranda: | ||
| Average total assets | $165,066,000 | 3,216 |
| Average earning assets | $148,046,800 | 3,273 |
| Average equity | $20,774,000 | 3,012 |
| Average total loans | $124,855,600 | 2,942 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 2,099 |
| Cost of funding earning assets | 0.5270% | 3,016 |
| Net interest margin | 4.0350% | 1,839 |
| Noninterest income to average assets | 0.2774% | 4,298 |
| Noninterest expense to average assets | 3.1809% | 1,567 |
| Loan and lease loss provision to assets | 0.0112% | 3,775 |
| Net operating income to assets | 0.3344% | 5,054 |
| Return on assets (ROA) | 0.3344% | 5,047 |
| Pretax return on assets | 0.7016% | 4,531 |
| Return on Equity (ROE) | 2.6907% | 5,048 |
| Retained earnings to average equity (ytd only) | 2.6907% | 4,342 |
| Net charge-offs to loans | 0.0737% | 1,792 |
| Credit loss provision to net charge-offs | 20.2899% | 3,015 |
| Earnings coverage of net charge-offs (x) | 12.8837% | 2,415 |
| Efficiency ratio | 81.6104% | 806 |
| Assets per employee ($millions) | 4.3835% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,596 |
| Loan loss allowance to noncurrent loans | 186.0147% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 1,851 |
| Noncurrent loans to loans | 0.7687% | 2,166 |
| Net loans and leases to total assets | 75.1859% | 1,783 |
| Net loans and leases to deposits | 89.7327% | 1,935 |
| Net loans and leases to core deposits | 91.9326% | 2,488 |
| Total domestic deposits to total assets | 83.7888% | 3,020 |
| Equity capital to assets | 12.8818% | 1,387 |
| Core capital (leverage) ratio | 12.7280% | 1,404 |
| Tier 1 risk-based capital ratio | 20.6271% | 1,231 |
| Total risk-based capital ratio | 21.8830% | 1,209 |
| Memoranda: | ||
| Average total assets | $166,281,750 | 3,230 |
| Average earning assets | $149,026,500 | 3,281 |
| Average equity | $20,663,750 | 3,050 |
| Average total loans | $124,828,000 | 2,970 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 1,941 |
| Cost of funding earning assets | 0.5099% | 2,932 |
| Net interest margin | 4.0395% | 1,727 |
| Noninterest income to average assets | 0.2720% | 4,371 |
| Noninterest expense to average assets | 3.1006% | 1,783 |
| Loan and lease loss provision to assets | -0.0072% | 5,297 |
| Net operating income to assets | 0.2994% | 5,114 |
| Return on assets (ROA) | 0.2994% | 5,109 |
| Pretax return on assets | 0.7886% | 4,280 |
| Return on Equity (ROE) | 2.4384% | 5,108 |
| Retained earnings to average equity (ytd only) | 2.4384% | 4,287 |
| Net charge-offs to loans | 0.0176% | 2,563 |
| Credit loss provision to net charge-offs | -54.5455% | 4,023 |
| Earnings coverage of net charge-offs (x) | 59.5455% | 1,004 |
| Efficiency ratio | 79.8095% | 1,033 |
| Assets per employee ($millions) | 4.6475% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 1,647 |
| Loan loss allowance to noncurrent loans | 214.6081% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 1,737 |
| Noncurrent loans to loans | 0.6659% | 2,446 |
| Net loans and leases to total assets | 74.4935% | 1,867 |
| Net loans and leases to deposits | 88.1442% | 2,094 |
| Net loans and leases to core deposits | 90.1682% | 2,557 |
| Total domestic deposits to total assets | 84.5132% | 2,866 |
| Equity capital to assets | 12.3728% | 1,614 |
| Core capital (leverage) ratio | 12.2324% | 1,581 |
| Tier 1 risk-based capital ratio | 19.5953% | 1,406 |
| Total risk-based capital ratio | 20.8507% | 1,366 |
| Memoranda: | ||
| Average total assets | $167,645,670 | 3,239 |
| Average earning assets | $149,818,670 | 3,295 |
| Average equity | $20,587,330 | 3,071 |
| Average total loans | $125,199,670 | 2,979 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 2,029 |
| Cost of funding earning assets | 0.5260% | 2,581 |
| Net interest margin | 3.9211% | 1,958 |
| Noninterest income to average assets | 0.1907% | 4,882 |
| Noninterest expense to average assets | 3.1630% | 1,657 |
| Loan and lease loss provision to assets | 0.1430% | 1,316 |
| Net operating income to assets | 0.2860% | 5,118 |
| Return on assets (ROA) | 0.2860% | 5,121 |
| Pretax return on assets | 0.3671% | 5,079 |
| Return on Equity (ROE) | 2.3380% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.3380% | 4,228 |
| Net charge-offs to loans | 0.1124% | 1,103 |
| Credit loss provision to net charge-offs | 171.4286% | 1,152 |
| Earnings coverage of net charge-offs (x) | 6.1143% | 2,180 |
| Efficiency ratio | 86.0480% | 644 |
| Assets per employee ($millions) | 4.5258% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,409 |
| Loan loss allowance to noncurrent loans | 790.1709% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 2,783 |
| Noncurrent loans to loans | 0.1917% | 4,106 |
| Net loans and leases to total assets | 71.7869% | 2,206 |
| Net loans and leases to deposits | 84.8479% | 2,305 |
| Net loans and leases to core deposits | 87.4923% | 2,681 |
| Total domestic deposits to total assets | 84.6065% | 3,070 |
| Equity capital to assets | 12.2858% | 1,614 |
| Core capital (leverage) ratio | 12.2696% | 1,492 |
| Tier 1 risk-based capital ratio | 19.9422% | 1,352 |
| Total risk-based capital ratio | 21.1988% | 1,324 |
| Memoranda: | ||
| Average total assets | $167,813,500 | 3,271 |
| Average earning assets | $149,039,500 | 3,347 |
| Average equity | $20,530,500 | 3,105 |
| Average total loans | $124,578,500 | 3,006 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 1,552 |
| Cost of funding earning assets | 0.5238% | 2,150 |
| Net interest margin | 4.0298% | 1,657 |
| Noninterest income to average assets | 0.1830% | 5,038 |
| Noninterest expense to average assets | 2.9141% | 2,402 |
| Loan and lease loss provision to assets | 0.1961% | 1,063 |
| Net operating income to assets | 0.1206% | 5,234 |
| Return on assets (ROA) | 0.1206% | 5,239 |
| Pretax return on assets | 0.6517% | 4,626 |
| Return on Equity (ROE) | 0.9892% | 5,232 |
| Retained earnings to average equity (ytd only) | 0.9892% | 4,631 |
| Net charge-offs to loans | 0.4976% | 476 |
| Credit loss provision to net charge-offs | 52.0505% | 3,305 |
| Earnings coverage of net charge-offs (x) | 2.2508% | 3,774 |
| Efficiency ratio | 77.3689% | 1,441 |
| Assets per employee ($millions) | 4.4256% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 1,635 |
| Loan loss allowance to noncurrent loans | 162.8571% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.9788% | 1,584 |
| Noncurrent loans to loans | 0.8812% | 2,024 |
| Net loans and leases to total assets | 74.4911% | 1,838 |
| Net loans and leases to deposits | 88.0024% | 2,019 |
| Net loans and leases to core deposits | 90.7211% | 2,486 |
| Total domestic deposits to total assets | 84.6468% | 2,972 |
| Equity capital to assets | 12.1827% | 1,709 |
| Core capital (leverage) ratio | 12.0842% | 1,560 |
| Tier 1 risk-based capital ratio | 19.4994% | 1,412 |
| Total risk-based capital ratio | 20.7557% | 1,387 |
| Memoranda: | ||
| Average total assets | $168,319,400 | 3,266 |
| Average earning assets | $149,487,000 | 3,330 |
| Average equity | $20,521,000 | 3,078 |
| Average total loans | $127,403,200 | 2,950 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,460 |
| Cost of funding earning assets | 0.5168% | 2,135 |
| Net interest margin | 4.0493% | 1,546 |
| Noninterest income to average assets | 0.1639% | 5,199 |
| Noninterest expense to average assets | 2.9088% | 2,373 |
| Loan and lease loss provision to assets | 0.2138% | 882 |
| Net operating income to assets | 0.4094% | 4,977 |
| Return on assets (ROA) | 0.4094% | 5,011 |
| Pretax return on assets | 0.6526% | 4,719 |
| Return on Equity (ROE) | 3.3577% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.3577% | 3,930 |
| Net charge-offs to loans | 0.3504% | 602 |
| Credit loss provision to net charge-offs | 80.5970% | 2,573 |
| Earnings coverage of net charge-offs (x) | 3.2656% | 3,360 |
| Efficiency ratio | 76.9457% | 1,467 |
| Assets per employee ($millions) | 4.2408% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6237% | 1,182 |
| Loan loss allowance to noncurrent loans | 102.9955% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.2667% | 1,281 |
| Noncurrent loans to loans | 1.5765% | 1,178 |
| Net loans and leases to total assets | 75.5714% | 1,669 |
| Net loans and leases to deposits | 89.9952% | 1,807 |
| Net loans and leases to core deposits | 92.6181% | 2,385 |
| Total domestic deposits to total assets | 83.9726% | 3,134 |
| Equity capital to assets | 12.5979% | 1,606 |
| Core capital (leverage) ratio | 12.0527% | 1,651 |
| Tier 1 risk-based capital ratio | 19.9023% | 1,377 |
| Total risk-based capital ratio | 21.1623% | 1,340 |
| Memoranda: | ||
| Average total assets | $168,356,000 | 3,293 |
| Average earning assets | $150,145,750 | 3,349 |
| Average equity | $20,529,250 | 3,099 |
| Average total loans | $127,479,500 | 2,972 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 1,296 |
| Cost of funding earning assets | 0.5097% | 2,097 |
| Net interest margin | 4.0712% | 1,402 |
| Noninterest income to average assets | 0.1559% | 5,279 |
| Noninterest expense to average assets | 2.8758% | 2,497 |
| Loan and lease loss provision to assets | 0.2480% | 673 |
| Net operating income to assets | 0.4063% | 4,969 |
| Return on assets (ROA) | 0.4063% | 4,994 |
| Pretax return on assets | 0.6637% | 4,650 |
| Return on Equity (ROE) | 3.3681% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.3681% | 3,710 |
| Net charge-offs to loans | 0.3886% | 526 |
| Credit loss provision to net charge-offs | 84.6774% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.1129% | 3,082 |
| Efficiency ratio | 75.8029% | 1,747 |
| Assets per employee ($millions) | 4.6218% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 1,196 |
| Loan loss allowance to noncurrent loans | 172.0165% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 2,259 |
| Noncurrent loans to loans | 0.9473% | 2,062 |
| Net loans and leases to total assets | 73.7816% | 1,913 |
| Net loans and leases to deposits | 86.9659% | 2,107 |
| Net loans and leases to core deposits | 89.6349% | 2,555 |
| Total domestic deposits to total assets | 84.8397% | 2,872 |
| Equity capital to assets | 12.0721% | 1,881 |
| Core capital (leverage) ratio | 11.8034% | 1,761 |
| Tier 1 risk-based capital ratio | 19.5769% | 1,455 |
| Total risk-based capital ratio | 20.8374% | 1,411 |
| Memoranda: | ||
| Average total assets | $169,344,000 | 3,289 |
| Average earning assets | $151,061,000 | 3,355 |
| Average equity | $20,427,000 | 3,113 |
| Average total loans | $127,622,000 | 2,980 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 1,195 |
| Cost of funding earning assets | 0.5138% | 1,975 |
| Net interest margin | 4.0626% | 1,315 |
| Noninterest income to average assets | 0.0949% | 5,609 |
| Noninterest expense to average assets | 2.7274% | 3,040 |
| Loan and lease loss provision to assets | 0.3205% | 391 |
| Net operating income to assets | 0.4320% | 4,853 |
| Return on assets (ROA) | 0.4320% | 4,872 |
| Pretax return on assets | 0.6694% | 4,531 |
| Return on Equity (ROE) | 3.5829% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.5829% | 3,648 |
| Net charge-offs to loans | 0.3896% | 473 |
| Credit loss provision to net charge-offs | 108.8710% | 1,482 |
| Earnings coverage of net charge-offs (x) | 3.3629% | 2,492 |
| Efficiency ratio | 73.2439% | 2,364 |
| Assets per employee ($millions) | 4.5893% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 1,155 |
| Loan loss allowance to noncurrent loans | 86.7748% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.5329% | 1,032 |
| Noncurrent loans to loans | 1.9515% | 920 |
| Net loans and leases to total assets | 73.1256% | 1,888 |
| Net loans and leases to deposits | 86.4291% | 1,985 |
| Net loans and leases to core deposits | 88.4232% | 2,507 |
| Total domestic deposits to total assets | 84.6076% | 3,258 |
| Equity capital to assets | 12.0314% | 1,810 |
| Core capital (leverage) ratio | 11.7848% | 1,762 |
| Tier 1 risk-based capital ratio | 19.7261% | 1,442 |
| Total risk-based capital ratio | 20.9868% | 1,414 |
| Memoranda: | ||
| Average total assets | $168,513,000 | 3,328 |
| Average earning assets | $150,248,500 | 3,393 |
| Average equity | $20,318,500 | 3,136 |
| Average total loans | $127,302,500 | 3,001 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 1,246 |
| Cost of funding earning assets | 0.5286% | 1,878 |
| Net interest margin | 4.0862% | 1,413 |
| Noninterest income to average assets | 0.1517% | 5,448 |
| Noninterest expense to average assets | 3.1147% | 1,992 |
| Loan and lease loss provision to assets | 0.8584% | 130 |
| Net operating income to assets | -0.1202% | 5,693 |
| Return on assets (ROA) | -0.1202% | 5,706 |
| Pretax return on assets | -0.2165% | 5,722 |
| Return on Equity (ROE) | -0.9958% | 5,703 |
| Retained earnings to average equity (ytd only) | -0.9958% | 5,441 |
| Net charge-offs to loans | 0.8454% | 233 |
| Credit loss provision to net charge-offs | 132.3853% | 2,040 |
| Earnings coverage of net charge-offs (x) | 0.9899% | 4,057 |
| Efficiency ratio | 82.8029% | 1,115 |
| Assets per employee ($millions) | 4.1805% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 1,235 |
| Loan loss allowance to noncurrent loans | 74.8768% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.8664% | 773 |
| Noncurrent loans to loans | 2.2152% | 764 |
| Net loans and leases to total assets | 75.4493% | 1,610 |
| Net loans and leases to deposits | 89.4662% | 1,741 |
| Net loans and leases to core deposits | 91.3949% | 2,355 |
| Total domestic deposits to total assets | 84.3327% | 3,298 |
| Equity capital to assets | 12.0840% | 1,749 |
| Core capital (leverage) ratio | 11.8064% | 1,719 |
| Tier 1 risk-based capital ratio | 19.8164% | 1,415 |
| Total risk-based capital ratio | 21.0789% | 1,376 |
| Memoranda: | ||
| Average total assets | $168,103,600 | 3,307 |
| Average earning assets | $148,304,000 | 3,393 |
| Average equity | $20,285,800 | 3,140 |
| Average total loans | $128,933,400 | 2,936 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 1,234 |
| Cost of funding earning assets | 0.5272% | 1,892 |
| Net interest margin | 4.1018% | 1,380 |
| Noninterest income to average assets | 0.1212% | 5,639 |
| Noninterest expense to average assets | 3.1367% | 1,937 |
| Loan and lease loss provision to assets | 1.0836% | 90 |
| Net operating income to assets | -0.2859% | 5,820 |
| Return on assets (ROA) | -0.2859% | 5,827 |
| Pretax return on assets | -0.4879% | 5,849 |
| Return on Equity (ROE) | -2.3704% | 5,820 |
| Retained earnings to average equity (ytd only) | -2.3704% | 5,620 |
| Net charge-offs to loans | 0.9863% | 174 |
| Credit loss provision to net charge-offs | 143.2461% | 1,832 |
| Earnings coverage of net charge-offs (x) | 0.7874% | 3,757 |
| Efficiency ratio | 83.9134% | 999 |
| Assets per employee ($millions) | 4.4021% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 1,172 |
| Loan loss allowance to noncurrent loans | 49.3237% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 2.8186% | 443 |
| Noncurrent loans to loans | 3.4846% | 372 |
| Net loans and leases to total assets | 74.7927% | 1,742 |
| Net loans and leases to deposits | 88.7396% | 1,925 |
| Net loans and leases to core deposits | 90.8222% | 2,496 |
| Total domestic deposits to total assets | 84.2833% | 3,103 |
| Equity capital to assets | 12.0617% | 2,073 |
| Core capital (leverage) ratio | 11.6216% | 1,942 |
| Tier 1 risk-based capital ratio | 19.6844% | 1,503 |
| Total risk-based capital ratio | 20.9473% | 1,471 |
| Memoranda: | ||
| Average total assets | $168,324,250 | 3,324 |
| Average earning assets | $148,191,500 | 3,410 |
| Average equity | $20,305,500 | 3,160 |
| Average total loans | $129,093,000 | 2,941 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5801% | 1,306 |
| Cost of funding earning assets | 0.5203% | 1,940 |
| Net interest margin | 4.0598% | 1,478 |
| Noninterest income to average assets | 0.1008% | 5,779 |
| Noninterest expense to average assets | 3.2086% | 1,789 |
| Loan and lease loss provision to assets | 1.4834% | 62 |
| Net operating income to assets | -0.6213% | 5,940 |
| Return on assets (ROA) | -0.6213% | 5,944 |
| Pretax return on assets | -1.0197% | 5,973 |
| Return on Equity (ROE) | -5.1503% | 5,930 |
| Retained earnings to average equity (ytd only) | -5.1503% | 5,750 |
| Net charge-offs to loans | 1.4111% | 109 |
| Credit loss provision to net charge-offs | 136.7213% | 1,706 |
| Earnings coverage of net charge-offs (x) | 0.4273% | 3,521 |
| Efficiency ratio | 87.2457% | 770 |
| Assets per employee ($millions) | 4.5717% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 1,394 |
| Loan loss allowance to noncurrent loans | 43.6879% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 3.1569% | 376 |
| Noncurrent loans to loans | 3.7857% | 334 |
| Net loans and leases to total assets | 74.2087% | 1,800 |
| Net loans and leases to deposits | 87.3851% | 2,083 |
| Net loans and leases to core deposits | 89.5515% | 2,582 |
| Total domestic deposits to total assets | 84.9214% | 2,912 |
| Equity capital to assets | 11.8194% | 2,254 |
| Core capital (leverage) ratio | 11.4967% | 1,996 |
| Tier 1 risk-based capital ratio | 19.4598% | 1,580 |
| Total risk-based capital ratio | 20.7222% | 1,539 |
| Memoranda: | ||
| Average total assets | $168,672,000 | 3,332 |
| Average earning assets | $148,380,330 | 3,428 |
| Average equity | $20,348,330 | 3,159 |
| Average total loans | $129,690,000 | 2,932 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 1,067 |
| Cost of funding earning assets | 0.5192% | 1,949 |
| Net interest margin | 4.1700% | 1,173 |
| Noninterest income to average assets | 0.2114% | 5,218 |
| Noninterest expense to average assets | 3.0303% | 2,298 |
| Loan and lease loss provision to assets | 0.5700% | 199 |
| Net operating income to assets | 0.1947% | 5,534 |
| Return on assets (ROA) | 0.1947% | 5,593 |
| Pretax return on assets | 0.2921% | 5,519 |
| Return on Equity (ROE) | 1.5980% | 5,596 |
| Retained earnings to average equity (ytd only) | 1.5980% | 4,632 |
| Net charge-offs to loans | 1.1292% | 159 |
| Credit loss provision to net charge-offs | 65.0407% | 1,943 |
| Earnings coverage of net charge-offs (x) | 0.9837% | 2,875 |
| Efficiency ratio | 77.7303% | 1,932 |
| Assets per employee ($millions) | 4.4564% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 3,128 |
| Loan loss allowance to noncurrent loans | 55.0686% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.1294% | 790 |
| Noncurrent loans to loans | 2.2844% | 879 |
| Net loans and leases to total assets | 76.2932% | 1,345 |
| Net loans and leases to deposits | 90.3312% | 1,538 |
| Net loans and leases to core deposits | 92.7800% | 2,115 |
| Total domestic deposits to total assets | 84.4594% | 3,329 |
| Equity capital to assets | 12.1492% | 1,920 |
| Core capital (leverage) ratio | 11.9028% | 1,676 |
| Tier 1 risk-based capital ratio | 19.9027% | 1,522 |
| Total risk-based capital ratio | 21.1585% | 1,489 |
| Memoranda: | ||
| Average total assets | $168,431,000 | 3,352 |
| Average earning assets | $148,682,500 | 3,440 |
| Average equity | $20,526,000 | 3,148 |
| Average total loans | $130,716,000 | 2,924 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 1,323 |
| Cost of funding earning assets | 0.4814% | 2,346 |
| Net interest margin | 4.1224% | 1,353 |
| Noninterest income to average assets | 0.0978% | 5,880 |
| Noninterest expense to average assets | 2.8913% | 2,886 |
| Loan and lease loss provision to assets | 0.2939% | 590 |
| Net operating income to assets | 0.3808% | 5,105 |
| Return on assets (ROA) | 0.3804% | 5,194 |
| Pretax return on assets | 0.5243% | 5,055 |
| Return on Equity (ROE) | 3.1911% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.1911% | 3,786 |
| Net charge-offs to loans | 0.4287% | 652 |
| Credit loss provision to net charge-offs | 89.0485% | 2,775 |
| Earnings coverage of net charge-offs (x) | 2.4811% | 3,897 |
| Efficiency ratio | 77.8665% | 1,989 |
| Assets per employee ($millions) | 4.4084% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 2,621 |
| Loan loss allowance to noncurrent loans | 50.5842% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 2.4630% | 632 |
| Noncurrent loans to loans | 2.6871% | 656 |
| Net loans and leases to total assets | 76.8950% | 1,269 |
| Net loans and leases to deposits | 91.3004% | 1,475 |
| Net loans and leases to core deposits | 93.1241% | 2,123 |
| Total domestic deposits to total assets | 84.2220% | 3,391 |
| Equity capital to assets | 12.2244% | 1,796 |
| Core capital (leverage) ratio | 11.8109% | 1,753 |
| Tier 1 risk-based capital ratio | 19.8145% | 1,512 |
| Total risk-based capital ratio | 21.0761% | 1,485 |
| Memoranda: | ||
| Average total assets | $168,785,000 | 3,322 |
| Average earning assets | $147,898,800 | 3,433 |
| Average equity | $20,118,200 | 3,159 |
| Average total loans | $129,927,200 | 2,889 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 1,305 |
| Cost of funding earning assets | 0.4721% | 2,476 |
| Net interest margin | 4.1374% | 1,308 |
| Noninterest income to average assets | 0.0118% | 6,166 |
| Noninterest expense to average assets | 2.9039% | 2,838 |
| Loan and lease loss provision to assets | 0.3083% | 465 |
| Net operating income to assets | 0.3170% | 5,410 |
| Return on assets (ROA) | 0.3170% | 5,491 |
| Pretax return on assets | 0.4202% | 5,423 |
| Return on Equity (ROE) | 2.6762% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.6762% | 4,513 |
| Net charge-offs to loans | 0.4398% | 577 |
| Credit loss provision to net charge-offs | 91.3551% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.1589% | 3,721 |
| Efficiency ratio | 79.9002% | 1,672 |
| Assets per employee ($millions) | 4.3517% | 3,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3863% | 2,671 |
| Loan loss allowance to noncurrent loans | 66.4083% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.1927% | 875 |
| Noncurrent loans to loans | 2.0875% | 1,089 |
| Net loans and leases to total assets | 77.3889% | 1,194 |
| Net loans and leases to deposits | 92.1114% | 1,392 |
| Net loans and leases to core deposits | 93.7072% | 2,104 |
| Total domestic deposits to total assets | 84.0167% | 3,416 |
| Equity capital to assets | 12.2486% | 1,910 |
| Core capital (leverage) ratio | 11.6247% | 1,939 |
| Tier 1 risk-based capital ratio | 19.8645% | 1,587 |
| Total risk-based capital ratio | 21.1271% | 1,539 |
| Memoranda: | ||
| Average total assets | $169,101,750 | 3,347 |
| Average earning assets | $147,980,000 | 3,463 |
| Average equity | $20,028,250 | 3,196 |
| Average total loans | $129,762,000 | 2,908 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 1,423 |
| Cost of funding earning assets | 0.4687% | 2,532 |
| Net interest margin | 4.0726% | 1,433 |
| Noninterest income to average assets | -0.0798% | 6,298 |
| Noninterest expense to average assets | 2.8190% | 3,164 |
| Loan and lease loss provision to assets | 0.3534% | 376 |
| Net operating income to assets | 0.2712% | 5,527 |
| Return on assets (ROA) | 0.2712% | 5,612 |
| Pretax return on assets | 0.2876% | 5,680 |
| Return on Equity (ROE) | 2.3155% | 5,615 |
| Retained earnings to average equity (ytd only) | 2.3155% | 4,569 |
| Net charge-offs to loans | 0.4855% | 516 |
| Credit loss provision to net charge-offs | 95.5556% | 2,139 |
| Earnings coverage of net charge-offs (x) | 1.7333% | 3,460 |
| Efficiency ratio | 81.4727% | 1,563 |
| Assets per employee ($millions) | 4.5805% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 2,654 |
| Loan loss allowance to noncurrent loans | 71.6758% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.0604% | 1,051 |
| Noncurrent loans to loans | 1.9841% | 1,236 |
| Net loans and leases to total assets | 74.5215% | 1,581 |
| Net loans and leases to deposits | 88.2180% | 1,806 |
| Net loans and leases to core deposits | 90.1897% | 2,331 |
| Total domestic deposits to total assets | 84.4743% | 3,363 |
| Equity capital to assets | 11.8433% | 2,143 |
| Core capital (leverage) ratio | 11.3739% | 2,095 |
| Tier 1 risk-based capital ratio | 19.7634% | 1,605 |
| Total risk-based capital ratio | 21.0264% | 1,560 |
| Memoranda: | ||
| Average total assets | $170,347,000 | 3,339 |
| Average earning assets | $148,064,330 | 3,488 |
| Average equity | $19,952,670 | 3,221 |
| Average total loans | $129,758,000 | 2,916 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 1,145 |
| Cost of funding earning assets | 0.4734% | 2,520 |
| Net interest margin | 4.1668% | 1,135 |
| Noninterest income to average assets | -0.1476% | 6,370 |
| Noninterest expense to average assets | 2.8013% | 3,250 |
| Loan and lease loss provision to assets | 0.3256% | 422 |
| Net operating income to assets | 0.3911% | 5,102 |
| Return on assets (ROA) | 0.3911% | 5,219 |
| Pretax return on assets | 0.3537% | 5,533 |
| Return on Equity (ROE) | 3.3580% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.3580% | 3,969 |
| Net charge-offs to loans | 0.3890% | 631 |
| Credit loss provision to net charge-offs | 109.4488% | 1,518 |
| Earnings coverage of net charge-offs (x) | 2.2835% | 2,788 |
| Efficiency ratio | 80.1480% | 1,884 |
| Assets per employee ($millions) | 4.6102% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4267% | 2,803 |
| Loan loss allowance to noncurrent loans | 47.2862% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.0150% | 626 |
| Noncurrent loans to loans | 3.0171% | 714 |
| Net loans and leases to total assets | 74.8121% | 1,387 |
| Net loans and leases to deposits | 88.3141% | 1,581 |
| Net loans and leases to core deposits | 90.3359% | 2,098 |
| Total domestic deposits to total assets | 84.7114% | 3,540 |
| Equity capital to assets | 11.7166% | 2,276 |
| Core capital (leverage) ratio | 10.4110% | 3,086 |
| Tier 1 risk-based capital ratio | 17.7902% | 2,206 |
| Total risk-based capital ratio | 19.0730% | 2,150 |
| Memoranda: | ||
| Average total assets | $170,780,500 | 3,348 |
| Average earning assets | $148,701,000 | 3,487 |
| Average equity | $19,893,000 | 3,244 |
| Average total loans | $130,576,500 | 2,907 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7769% | 1,155 |
| Cost of funding earning assets | 0.4830% | 2,847 |
| Net interest margin | 4.2939% | 1,069 |
| Noninterest income to average assets | 0.3628% | 4,495 |
| Noninterest expense to average assets | 2.9674% | 2,941 |
| Loan and lease loss provision to assets | 0.4139% | 426 |
| Net operating income to assets | 0.4587% | 4,974 |
| Return on assets (ROA) | 0.4587% | 5,070 |
| Pretax return on assets | 0.7416% | 4,470 |
| Return on Equity (ROE) | 4.1828% | 5,037 |
| Retained earnings to average equity (ytd only) | 4.1828% | 3,224 |
| Net charge-offs to loans | 0.2585% | 1,665 |
| Credit loss provision to net charge-offs | 210.3746% | 1,176 |
| Earnings coverage of net charge-offs (x) | 5.8732% | 3,335 |
| Efficiency ratio | 71.6034% | 3,277 |
| Assets per employee ($millions) | 4.6212% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 2,977 |
| Loan loss allowance to noncurrent loans | 48.2650% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 3.0284% | 660 |
| Noncurrent loans to loans | 2.8885% | 794 |
| Net loans and leases to total assets | 75.9473% | 1,273 |
| Net loans and leases to deposits | 89.5448% | 1,560 |
| Net loans and leases to core deposits | 91.6222% | 2,135 |
| Total domestic deposits to total assets | 84.8149% | 3,363 |
| Equity capital to assets | 11.5801% | 2,365 |
| Core capital (leverage) ratio | 10.5753% | 2,871 |
| Tier 1 risk-based capital ratio | 17.7053% | 2,234 |
| Total risk-based capital ratio | 18.9630% | 2,201 |
| Memoranda: | ||
| Average total assets | $176,382,800 | 3,252 |
| Average earning assets | $154,452,200 | 3,374 |
| Average equity | $19,341,200 | 3,243 |
| Average total loans | $134,215,800 | 2,787 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 1,108 |
| Cost of funding earning assets | 0.4824% | 2,930 |
| Net interest margin | 4.3162% | 1,015 |
| Noninterest income to average assets | 0.2911% | 5,112 |
| Noninterest expense to average assets | 2.9482% | 2,966 |
| Loan and lease loss provision to assets | 0.4351% | 365 |
| Net operating income to assets | 0.4141% | 5,197 |
| Return on assets (ROA) | 0.4141% | 5,269 |
| Pretax return on assets | 0.6864% | 4,745 |
| Return on Equity (ROE) | 3.8279% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.8279% | 3,931 |
| Net charge-offs to loans | 0.2383% | 1,616 |
| Credit loss provision to net charge-offs | 240.6639% | 1,093 |
| Earnings coverage of net charge-offs (x) | 6.2032% | 3,125 |
| Efficiency ratio | 72.0369% | 3,169 |
| Assets per employee ($millions) | 4.8266% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 3,397 |
| Loan loss allowance to noncurrent loans | 46.8742% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 3.1786% | 712 |
| Noncurrent loans to loans | 2.8807% | 943 |
| Net loans and leases to total assets | 75.3460% | 1,316 |
| Net loans and leases to deposits | 88.7334% | 1,586 |
| Net loans and leases to core deposits | 90.8270% | 2,138 |
| Total domestic deposits to total assets | 84.9128% | 3,371 |
| Equity capital to assets | 11.2398% | 2,711 |
| Core capital (leverage) ratio | 10.2407% | 3,354 |
| Tier 1 risk-based capital ratio | 17.1164% | 2,567 |
| Total risk-based capital ratio | 18.3722% | 2,522 |
| Memoranda: | ||
| Average total assets | $177,732,750 | 3,261 |
| Average earning assets | $155,597,250 | 3,370 |
| Average equity | $19,226,500 | 3,264 |
| Average total loans | $134,846,500 | 2,792 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 1,157 |
| Cost of funding earning assets | 0.4832% | 2,998 |
| Net interest margin | 4.2765% | 1,075 |
| Noninterest income to average assets | 0.1463% | 6,087 |
| Noninterest expense to average assets | 2.8181% | 3,435 |
| Loan and lease loss provision to assets | 0.4959% | 301 |
| Net operating income to assets | 0.3563% | 5,386 |
| Return on assets (ROA) | 0.3563% | 5,453 |
| Pretax return on assets | 0.5786% | 5,025 |
| Return on Equity (ROE) | 3.3359% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.3359% | 4,077 |
| Net charge-offs to loans | 0.4795% | 837 |
| Credit loss provision to net charge-offs | 136.6154% | 1,553 |
| Earnings coverage of net charge-offs (x) | 2.9600% | 3,423 |
| Efficiency ratio | 71.9656% | 3,349 |
| Assets per employee ($millions) | 4.4616% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1764% | 4,531 |
| Loan loss allowance to noncurrent loans | 40.6986% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 3.5004% | 667 |
| Noncurrent loans to loans | 2.8905% | 1,029 |
| Net loans and leases to total assets | 74.0429% | 1,439 |
| Net loans and leases to deposits | 86.3892% | 1,783 |
| Net loans and leases to core deposits | 88.4027% | 2,271 |
| Total domestic deposits to total assets | 85.7086% | 3,189 |
| Equity capital to assets | 10.8078% | 3,082 |
| Core capital (leverage) ratio | 9.8180% | 3,860 |
| Tier 1 risk-based capital ratio | 16.3700% | 2,890 |
| Total risk-based capital ratio | 17.6227% | 2,848 |
| Memoranda: | ||
| Average total assets | $179,058,000 | 3,260 |
| Average earning assets | $156,856,000 | 3,366 |
| Average equity | $19,125,330 | 3,268 |
| Average total loans | $135,558,330 | 2,784 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 1,283 |
| Cost of funding earning assets | 0.4872% | 3,038 |
| Net interest margin | 4.2008% | 1,216 |
| Noninterest income to average assets | 0.1717% | 5,942 |
| Noninterest expense to average assets | 2.8413% | 3,409 |
| Loan and lease loss provision to assets | 0.2832% | 716 |
| Net operating income to assets | 0.4728% | 4,825 |
| Return on assets (ROA) | 0.4728% | 4,902 |
| Pretax return on assets | 0.7583% | 4,279 |
| Return on Equity (ROE) | 4.4528% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.4528% | 3,451 |
| Net charge-offs to loans | 0.2227% | 1,431 |
| Credit loss provision to net charge-offs | 167.1053% | 1,167 |
| Earnings coverage of net charge-offs (x) | 6.1447% | 2,271 |
| Efficiency ratio | 72.7168% | 3,359 |
| Assets per employee ($millions) | 4.5957% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,065 |
| Loan loss allowance to noncurrent loans | 28.0074% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 3.9039% | 625 |
| Noncurrent loans to loans | 3.9722% | 681 |
| Net loans and leases to total assets | 74.5871% | 1,173 |
| Net loans and leases to deposits | 86.9229% | 1,474 |
| Net loans and leases to core deposits | 88.7871% | 2,017 |
| Total domestic deposits to total assets | 85.8083% | 3,460 |
| Equity capital to assets | 10.6917% | 3,048 |
| Core capital (leverage) ratio | 9.6192% | 4,108 |
| Tier 1 risk-based capital ratio | 16.0870% | 3,130 |
| Total risk-based capital ratio | 17.3392% | 3,085 |
| Memoranda: | ||
| Average total assets | $179,355,000 | 3,283 |
| Average earning assets | $158,446,000 | 3,368 |
| Average equity | $19,044,000 | 3,275 |
| Average total loans | $136,481,000 | 2,789 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 1,376 |
| Cost of funding earning assets | 0.5726% | 2,900 |
| Net interest margin | 4.2046% | 1,339 |
| Noninterest income to average assets | 0.1720% | 6,055 |
| Noninterest expense to average assets | 2.8088% | 3,691 |
| Loan and lease loss provision to assets | 0.3705% | 841 |
| Net operating income to assets | 0.3980% | 5,149 |
| Return on assets (ROA) | 0.3988% | 5,263 |
| Pretax return on assets | 0.7524% | 4,327 |
| Return on Equity (ROE) | 3.8381% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.8381% | 3,472 |
| Net charge-offs to loans | 0.4609% | 1,442 |
| Credit loss provision to net charge-offs | 106.3903% | 2,264 |
| Earnings coverage of net charge-offs (x) | 3.2211% | 3,922 |
| Efficiency ratio | 70.9105% | 3,683 |
| Assets per employee ($millions) | 4.7231% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 5,325 |
| Loan loss allowance to noncurrent loans | 29.8480% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 2.8873% | 1,112 |
| Noncurrent loans to loans | 3.5333% | 878 |
| Net loans and leases to total assets | 75.9542% | 1,081 |
| Net loans and leases to deposits | 88.9220% | 1,360 |
| Net loans and leases to core deposits | 90.8340% | 1,923 |
| Total domestic deposits to total assets | 85.4166% | 3,548 |
| Equity capital to assets | 10.5445% | 3,097 |
| Core capital (leverage) ratio | 9.5577% | 4,182 |
| Tier 1 risk-based capital ratio | 15.7756% | 3,211 |
| Total risk-based capital ratio | 17.0264% | 3,171 |
| Memoranda: | ||
| Average total assets | $166,261,800 | 3,470 |
| Average earning assets | $148,623,800 | 3,530 |
| Average equity | $17,274,000 | 3,524 |
| Average total loans | $125,632,400 | 2,923 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,620 |
| Cost of funding earning assets | 0.5893% | 2,906 |
| Net interest margin | 4.1007% | 1,632 |
| Noninterest income to average assets | 0.1882% | 6,064 |
| Noninterest expense to average assets | 2.7851% | 3,710 |
| Loan and lease loss provision to assets | 0.3952% | 776 |
| Net operating income to assets | 0.3262% | 5,505 |
| Return on assets (ROA) | 0.3273% | 5,633 |
| Pretax return on assets | 0.6758% | 4,766 |
| Return on Equity (ROE) | 3.1630% | 5,545 |
| Retained earnings to average equity (ytd only) | 3.1630% | 4,422 |
| Net charge-offs to loans | 0.4296% | 1,493 |
| Credit loss provision to net charge-offs | 122.2785% | 1,923 |
| Earnings coverage of net charge-offs (x) | 3.3089% | 3,744 |
| Efficiency ratio | 71.7045% | 3,460 |
| Assets per employee ($millions) | 4.5341% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 5,396 |
| Loan loss allowance to noncurrent loans | 29.8235% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 2.7894% | 1,344 |
| Noncurrent loans to loans | 3.6261% | 1,026 |
| Net loans and leases to total assets | 75.8544% | 1,020 |
| Net loans and leases to deposits | 88.9564% | 1,274 |
| Net loans and leases to core deposits | 90.4757% | 1,925 |
| Total domestic deposits to total assets | 85.2714% | 3,598 |
| Equity capital to assets | 10.2833% | 3,528 |
| Core capital (leverage) ratio | 9.2509% | 4,756 |
| Tier 1 risk-based capital ratio | 15.2851% | 3,573 |
| Total risk-based capital ratio | 16.5369% | 3,525 |
| Memoranda: | ||
| Average total assets | $162,957,750 | 3,553 |
| Average earning assets | $145,694,750 | 3,614 |
| Average equity | $16,861,250 | 3,620 |
| Average total loans | $122,597,000 | 3,008 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 2,204 |
| Cost of funding earning assets | 0.6101% | 2,843 |
| Net interest margin | 3.8889% | 2,247 |
| Noninterest income to average assets | 0.2117% | 5,928 |
| Noninterest expense to average assets | 2.7152% | 3,976 |
| Loan and lease loss provision to assets | 0.1658% | 2,250 |
| Net operating income to assets | 0.3691% | 5,337 |
| Return on assets (ROA) | 0.3724% | 5,490 |
| Pretax return on assets | 0.8073% | 4,285 |
| Return on Equity (ROE) | 3.5905% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.5905% | 4,033 |
| Net charge-offs to loans | 0.1845% | 2,650 |
| Credit loss provision to net charge-offs | 120.3704% | 1,851 |
| Earnings coverage of net charge-offs (x) | 7.0278% | 2,610 |
| Efficiency ratio | 73.0609% | 3,294 |
| Assets per employee ($millions) | 4.5258% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 5,637 |
| Loan loss allowance to noncurrent loans | 35.3404% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 2.2015% | 1,961 |
| Noncurrent loans to loans | 2.9660% | 1,506 |
| Net loans and leases to total assets | 73.1584% | 1,379 |
| Net loans and leases to deposits | 84.7952% | 1,704 |
| Net loans and leases to core deposits | 86.7480% | 2,255 |
| Total domestic deposits to total assets | 86.2766% | 3,217 |
| Equity capital to assets | 10.0060% | 3,908 |
| Core capital (leverage) ratio | 8.8916% | 5,160 |
| Tier 1 risk-based capital ratio | 15.3726% | 3,549 |
| Total risk-based capital ratio | 16.6237% | 3,510 |
| Memoranda: | ||
| Average total assets | $156,823,000 | 3,661 |
| Average earning assets | $139,986,670 | 3,723 |
| Average equity | $16,265,000 | 3,730 |
| Average total loans | $117,104,330 | 3,123 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6471% | 1,686 |
| Cost of funding earning assets | 0.6801% | 2,387 |
| Net interest margin | 3.9670% | 1,900 |
| Noninterest income to average assets | 0.2359% | 5,769 |
| Noninterest expense to average assets | 2.7798% | 3,765 |
| Loan and lease loss provision to assets | 0.1685% | 2,173 |
| Net operating income to assets | 0.4240% | 5,032 |
| Return on assets (ROA) | 0.4240% | 5,185 |
| Pretax return on assets | 0.8087% | 4,136 |
| Return on Equity (ROE) | 3.9963% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.9963% | 3,835 |
| Net charge-offs to loans | 0.1681% | 2,398 |
| Credit loss provision to net charge-offs | 133.3333% | 1,484 |
| Earnings coverage of net charge-offs (x) | 7.7333% | 2,028 |
| Efficiency ratio | 73.3184% | 3,389 |
| Assets per employee ($millions) | 4.1434% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 4,536 |
| Loan loss allowance to noncurrent loans | 35.1597% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 2.9004% | 1,554 |
| Noncurrent loans to loans | 3.7957% | 1,214 |
| Net loans and leases to total assets | 75.0974% | 952 |
| Net loans and leases to deposits | 86.0444% | 1,347 |
| Net loans and leases to core deposits | 88.0781% | 1,900 |
| Total domestic deposits to total assets | 87.2776% | 2,773 |
| Equity capital to assets | 10.7817% | 3,216 |
| Core capital (leverage) ratio | 9.8005% | 3,662 |
| Tier 1 risk-based capital ratio | 16.4649% | 3,021 |
| Total risk-based capital ratio | 17.7212% | 2,975 |
| Memoranda: | ||
| Average total assets | $142,455,000 | 3,941 |
| Average earning assets | $126,443,500 | 4,008 |
| Average equity | $15,114,000 | 3,971 |
| Average total loans | $107,061,500 | 3,357 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 1,482 |
| Cost of funding earning assets | 0.8697% | 2,140 |
| Net interest margin | 4.1588% | 1,780 |
| Noninterest income to average assets | 0.4809% | 4,035 |
| Noninterest expense to average assets | 2.6951% | 4,413 |
| Loan and lease loss provision to assets | 0.4145% | 1,548 |
| Net operating income to assets | 0.6468% | 4,007 |
| Return on assets (ROA) | 0.6468% | 4,267 |
| Pretax return on assets | 0.9178% | 3,869 |
| Return on Equity (ROE) | 6.5011% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.5011% | 1,820 |
| Net charge-offs to loans | 0.3949% | 2,673 |
| Credit loss provision to net charge-offs | 148.1840% | 1,837 |
| Earnings coverage of net charge-offs (x) | 4.7627% | 3,263 |
| Efficiency ratio | 66.1453% | 4,472 |
| Assets per employee ($millions) | 4.3646% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 4,514 |
| Loan loss allowance to noncurrent loans | 43.4223% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 2.5314% | 1,923 |
| Noncurrent loans to loans | 3.0506% | 1,705 |
| Net loans and leases to total assets | 73.2339% | 1,295 |
| Net loans and leases to deposits | 83.7025% | 1,790 |
| Net loans and leases to core deposits | 85.4554% | 2,380 |
| Total domestic deposits to total assets | 87.4931% | 2,531 |
| Equity capital to assets | 10.4414% | 3,599 |
| Core capital (leverage) ratio | 9.4786% | 4,135 |
| Tier 1 risk-based capital ratio | 16.1091% | 3,102 |
| Total risk-based capital ratio | 17.3638% | 3,051 |
| Memoranda: | ||
| Average total assets | $147,638,800 | 3,813 |
| Average earning assets | $125,903,000 | 3,981 |
| Average equity | $14,689,800 | 4,028 |
| Average total loans | $104,585,800 | 3,409 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 1,464 |
| Cost of funding earning assets | 0.9044% | 2,144 |
| Net interest margin | 4.1794% | 1,802 |
| Noninterest income to average assets | 0.5574% | 3,555 |
| Noninterest expense to average assets | 2.6820% | 4,441 |
| Loan and lease loss provision to assets | 0.4946% | 1,243 |
| Net operating income to assets | 0.6746% | 4,030 |
| Return on assets (ROA) | 0.6759% | 4,285 |
| Pretax return on assets | 0.9209% | 4,024 |
| Return on Equity (ROE) | 6.8753% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.8753% | 2,193 |
| Net charge-offs to loans | 0.5166% | 2,061 |
| Credit loss provision to net charge-offs | 136.7246% | 2,110 |
| Earnings coverage of net charge-offs (x) | 3.9082% | 3,460 |
| Efficiency ratio | 64.6504% | 4,685 |
| Assets per employee ($millions) | 4.3737% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 4,845 |
| Loan loss allowance to noncurrent loans | 56.6625% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.8789% | 2,816 |
| Noncurrent loans to loans | 2.2822% | 2,528 |
| Net loans and leases to total assets | 70.0637% | 1,896 |
| Net loans and leases to deposits | 79.3573% | 2,491 |
| Net loans and leases to core deposits | 81.2662% | 3,052 |
| Total domestic deposits to total assets | 88.2890% | 1,855 |
| Equity capital to assets | 9.9761% | 4,525 |
| Core capital (leverage) ratio | 9.0326% | 5,012 |
| Tier 1 risk-based capital ratio | 15.9892% | 3,265 |
| Total risk-based capital ratio | 17.2435% | 3,233 |
| Memoranda: | ||
| Average total assets | $148,540,250 | 3,844 |
| Average earning assets | $125,757,750 | 4,020 |
| Average equity | $14,602,500 | 4,076 |
| Average total loans | $104,008,000 | 3,458 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0433% | 1,683 |
| Cost of funding earning assets | 0.9269% | 2,210 |
| Net interest margin | 4.1163% | 2,023 |
| Noninterest income to average assets | 0.7772% | 2,309 |
| Noninterest expense to average assets | 2.5700% | 4,880 |
| Loan and lease loss provision to assets | 0.3300% | 1,992 |
| Net operating income to assets | 1.0002% | 2,466 |
| Return on assets (ROA) | 1.0021% | 2,670 |
| Pretax return on assets | 1.3671% | 2,329 |
| Return on Equity (ROE) | 10.2444% | 2,263 |
| Retained earnings to average equity (ytd only) | 10.2444% | 905 |
| Net charge-offs to loans | 0.1102% | 4,083 |
| Credit loss provision to net charge-offs | 429.8246% | 687 |
| Earnings coverage of net charge-offs (x) | 22.0702% | 1,318 |
| Efficiency ratio | 59.4125% | 5,675 |
| Assets per employee ($millions) | 4.6385% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,630 |
| Loan loss allowance to noncurrent loans | 48.5991% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 2.3600% | 2,364 |
| Noncurrent loans to loans | 2.7929% | 2,140 |
| Net loans and leases to total assets | 68.7913% | 2,140 |
| Net loans and leases to deposits | 78.0042% | 2,667 |
| Net loans and leases to core deposits | 79.8800% | 3,237 |
| Total domestic deposits to total assets | 88.1893% | 2,022 |
| Equity capital to assets | 9.9843% | 4,362 |
| Core capital (leverage) ratio | 9.1566% | 4,678 |
| Tier 1 risk-based capital ratio | 15.8507% | 3,244 |
| Total risk-based capital ratio | 17.1055% | 3,213 |
| Memoranda: | ||
| Average total assets | $148,485,000 | 3,866 |
| Average earning assets | $125,791,330 | 4,036 |
| Average equity | $14,525,000 | 4,082 |
| Average total loans | $103,492,670 | 3,484 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 1,934 |
| Cost of funding earning assets | 0.9619% | 2,221 |
| Net interest margin | 4.0259% | 2,394 |
| Noninterest income to average assets | 1.4329% | 706 |
| Noninterest expense to average assets | 2.5318% | 5,056 |
| Loan and lease loss provision to assets | 0.1212% | 3,827 |
| Net operating income to assets | 1.6792% | 750 |
| Return on assets (ROA) | 1.6834% | 828 |
| Pretax return on assets | 2.1897% | 548 |
| Return on Equity (ROE) | 17.3883% | 617 |
| Retained earnings to average equity (ytd only) | 17.3883% | 289 |
| Net charge-offs to loans | -0.0077% | 5,877 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6147% | 6,575 |
| Assets per employee ($millions) | 4.6798% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 5,360 |
| Loan loss allowance to noncurrent loans | 35.5756% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.0784% | 1,895 |
| Noncurrent loans to loans | 3.4556% | 1,804 |
| Net loans and leases to total assets | 67.8152% | 2,143 |
| Net loans and leases to deposits | 76.7115% | 2,703 |
| Net loans and leases to core deposits | 79.3090% | 3,136 |
| Total domestic deposits to total assets | 88.4030% | 2,066 |
| Equity capital to assets | 9.8114% | 4,354 |
| Core capital (leverage) ratio | 8.8432% | 5,076 |
| Tier 1 risk-based capital ratio | 15.1646% | 3,645 |
| Total risk-based capital ratio | 16.4240% | 3,598 |
| Memoranda: | ||
| Average total assets | $148,511,000 | 3,901 |
| Average earning assets | $125,587,500 | 4,073 |
| Average equity | $14,377,500 | 4,117 |
| Average total loans | $103,482,000 | 3,514 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 1,549 |
| Cost of funding earning assets | 1.1187% | 2,543 |
| Net interest margin | 4.2370% | 1,937 |
| Noninterest income to average assets | 0.0678% | 6,761 |
| Noninterest expense to average assets | 2.3359% | 5,957 |
| Loan and lease loss provision to assets | 0.3209% | 3,115 |
| Net operating income to assets | 0.6703% | 3,630 |
| Return on assets (ROA) | 0.6750% | 3,801 |
| Pretax return on assets | 1.0930% | 2,863 |
| Return on Equity (ROE) | 7.3070% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.3070% | 1,359 |
| Net charge-offs to loans | 0.3029% | 3,884 |
| Credit loss provision to net charge-offs | 147.8125% | 1,927 |
| Earnings coverage of net charge-offs (x) | 6.4781% | 2,507 |
| Efficiency ratio | 61.2038% | 5,578 |
| Assets per employee ($millions) | 4.3314% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 5,543 |
| Loan loss allowance to noncurrent loans | 50.3100% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.1620% | 2,777 |
| Noncurrent loans to loans | 2.3227% | 2,833 |
| Net loans and leases to total assets | 69.8909% | 2,054 |
| Net loans and leases to deposits | 78.6783% | 2,731 |
| Net loans and leases to core deposits | 80.1057% | 3,441 |
| Total domestic deposits to total assets | 88.8312% | 1,648 |
| Equity capital to assets | 9.5486% | 4,804 |
| Core capital (leverage) ratio | 8.3263% | 5,821 |
| Tier 1 risk-based capital ratio | 14.6894% | 3,836 |
| Total risk-based capital ratio | 15.9389% | 3,824 |
| Memoranda: | ||
| Average total assets | $147,397,400 | 3,842 |
| Average earning assets | $127,826,800 | 3,975 |
| Average equity | $13,617,000 | 4,210 |
| Average total loans | $105,632,400 | 3,483 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3834% | 1,559 |
| Cost of funding earning assets | 1.1463% | 2,655 |
| Net interest margin | 4.2371% | 1,959 |
| Noninterest income to average assets | 0.0425% | 6,979 |
| Noninterest expense to average assets | 2.3468% | 5,911 |
| Loan and lease loss provision to assets | 0.2351% | 3,657 |
| Net operating income to assets | 0.7451% | 3,407 |
| Return on assets (ROA) | 0.7515% | 3,538 |
| Pretax return on assets | 1.1576% | 2,795 |
| Return on Equity (ROE) | 8.2037% | 2,961 |
| Retained earnings to average equity (ytd only) | 8.2037% | 1,428 |
| Net charge-offs to loans | 0.1849% | 4,318 |
| Credit loss provision to net charge-offs | 176.8707% | 1,681 |
| Earnings coverage of net charge-offs (x) | 10.4011% | 1,923 |
| Efficiency ratio | 61.6392% | 5,470 |
| Assets per employee ($millions) | 4.2120% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,827 |
| Loan loss allowance to noncurrent loans | 36.8388% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 2.7833% | 2,338 |
| Noncurrent loans to loans | 3.0298% | 2,286 |
| Net loans and leases to total assets | 72.8132% | 1,547 |
| Net loans and leases to deposits | 82.1645% | 2,328 |
| Net loans and leases to core deposits | 83.3920% | 3,136 |
| Total domestic deposits to total assets | 88.6187% | 1,681 |
| Equity capital to assets | 9.7026% | 4,774 |
| Core capital (leverage) ratio | 8.4390% | 5,790 |
| Tier 1 risk-based capital ratio | 14.4354% | 4,023 |
| Total risk-based capital ratio | 15.6734% | 4,001 |
| Memoranda: | ||
| Average total assets | $147,429,750 | 3,864 |
| Average earning assets | $128,292,750 | 3,987 |
| Average equity | $13,505,750 | 4,238 |
| Average total loans | $106,004,500 | 3,503 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3980% | 1,570 |
| Cost of funding earning assets | 1.1860% | 2,673 |
| Net interest margin | 4.2120% | 1,985 |
| Noninterest income to average assets | 0.0578% | 7,014 |
| Noninterest expense to average assets | 2.3328% | 6,044 |
| Loan and lease loss provision to assets | 0.0578% | 5,594 |
| Net operating income to assets | 0.8331% | 2,934 |
| Return on assets (ROA) | 0.8331% | 3,047 |
| Pretax return on assets | 1.3370% | 2,012 |
| Return on Equity (ROE) | 9.2703% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.2703% | 1,024 |
| Net charge-offs to loans | 0.0377% | 5,321 |
| Credit loss provision to net charge-offs | 215.0000% | 1,386 |
| Earnings coverage of net charge-offs (x) | 51.9000% | 611 |
| Efficiency ratio | 61.2112% | 5,698 |
| Assets per employee ($millions) | 4.0640% | 3,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 6,208 |
| Loan loss allowance to noncurrent loans | 42.9644% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 2.5242% | 2,641 |
| Noncurrent loans to loans | 2.4055% | 2,983 |
| Net loans and leases to total assets | 71.1438% | 1,968 |
| Net loans and leases to deposits | 80.0054% | 2,798 |
| Net loans and leases to core deposits | 81.3148% | 3,606 |
| Total domestic deposits to total assets | 88.9238% | 1,580 |
| Equity capital to assets | 9.3510% | 5,076 |
| Core capital (leverage) ratio | 7.6012% | 6,669 |
| Tier 1 risk-based capital ratio | 13.3258% | 4,669 |
| Total risk-based capital ratio | 14.5754% | 4,648 |
| Memoranda: | ||
| Average total assets | $148,836,670 | 3,866 |
| Average earning assets | $129,677,670 | 3,995 |
| Average equity | $13,376,000 | 4,264 |
| Average total loans | $106,188,670 | 3,538 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 1,677 |
| Cost of funding earning assets | 1.2543% | 2,477 |
| Net interest margin | 4.1144% | 2,214 |
| Noninterest income to average assets | 0.1785% | 6,442 |
| Noninterest expense to average assets | 2.3051% | 6,169 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9194% | 2,477 |
| Return on assets (ROA) | 0.9194% | 2,533 |
| Pretax return on assets | 1.4923% | 1,472 |
| Return on Equity (ROE) | 10.4360% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.4360% | 1,011 |
| Net charge-offs to loans | -0.3262% | 7,351 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3684% | 6,069 |
| Assets per employee ($millions) | 4.1840% | 3,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 6,118 |
| Loan loss allowance to noncurrent loans | 30.7836% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 2.6105% | 2,625 |
| Noncurrent loans to loans | 3.5138% | 2,121 |
| Net loans and leases to total assets | 69.8818% | 2,150 |
| Net loans and leases to deposits | 78.2052% | 3,026 |
| Net loans and leases to core deposits | 79.5902% | 3,809 |
| Total domestic deposits to total assets | 89.3569% | 1,560 |
| Equity capital to assets | 8.8944% | 5,357 |
| Core capital (leverage) ratio | 7.0928% | 6,961 |
| Tier 1 risk-based capital ratio | 12.6174% | 5,150 |
| Total risk-based capital ratio | 13.8677% | 5,131 |
| Memoranda: | ||
| Average total assets | $150,102,500 | 3,875 |
| Average earning assets | $132,025,500 | 3,976 |
| Average equity | $13,223,500 | 4,288 |
| Average total loans | $106,696,000 | 3,567 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 2,406 |
| Cost of funding earning assets | 1.9427% | 735 |
| Net interest margin | 3.5273% | 5,122 |
| Noninterest income to average assets | 0.1801% | 6,462 |
| Noninterest expense to average assets | 2.3264% | 6,280 |
| Loan and lease loss provision to assets | 0.5472% | 2,949 |
| Net operating income to assets | 0.2200% | 5,219 |
| Return on assets (ROA) | 0.2200% | 5,368 |
| Pretax return on assets | 0.3595% | 5,057 |
| Return on Equity (ROE) | 2.7902% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.7902% | 3,904 |
| Net charge-offs to loans | 0.6737% | 2,986 |
| Credit loss provision to net charge-offs | 112.5163% | 3,880 |
| Earnings coverage of net charge-offs (x) | 1.8644% | 4,327 |
| Efficiency ratio | 70.2295% | 4,132 |
| Assets per employee ($millions) | 4.3995% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9955% | 6,413 |
| Loan loss allowance to noncurrent loans | 28.5983% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 2.5952% | 2,689 |
| Noncurrent loans to loans | 3.4809% | 2,174 |
| Net loans and leases to total assets | 70.8093% | 2,351 |
| Net loans and leases to deposits | 78.9120% | 3,352 |
| Net loans and leases to core deposits | 80.3066% | 4,170 |
| Total domestic deposits to total assets | 89.7321% | 1,250 |
| Equity capital to assets | 8.7243% | 5,549 |
| Core capital (leverage) ratio | 6.8989% | 7,067 |
| Tier 1 risk-based capital ratio | 12.2495% | 5,257 |
| Total risk-based capital ratio | 13.4991% | 5,224 |
| Memoranda: | ||
| Average total assets | $157,708,200 | 3,743 |
| Average earning assets | $136,508,600 | 3,886 |
| Average equity | $12,436,400 | 4,497 |
| Average total loans | $113,855,800 | 3,449 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5041% | 2,419 |
| Cost of funding earning assets | 2.0506% | 636 |
| Net interest margin | 3.4535% | 5,477 |
| Noninterest income to average assets | 0.1995% | 6,469 |
| Noninterest expense to average assets | 2.3304% | 6,230 |
| Loan and lease loss provision to assets | 0.6460% | 2,366 |
| Net operating income to assets | 0.1143% | 5,736 |
| Return on assets (ROA) | 0.1143% | 5,895 |
| Pretax return on assets | 0.2045% | 5,724 |
| Return on Equity (ROE) | 1.4871% | 5,770 |
| Retained earnings to average equity (ytd only) | 1.4871% | 5,202 |
| Net charge-offs to loans | 0.8041% | 2,441 |
| Credit loss provision to net charge-offs | 111.0473% | 3,810 |
| Earnings coverage of net charge-offs (x) | 1.4620% | 4,631 |
| Efficiency ratio | 71.4511% | 3,809 |
| Assets per employee ($millions) | 4.3680% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 6,601 |
| Loan loss allowance to noncurrent loans | 19.3944% | 6,926 |
| Noncurrent assets plus other real estate owned to assets | 3.5237% | 2,017 |
| Noncurrent loans to loans | 4.8594% | 1,450 |
| Net loans and leases to total assets | 69.7828% | 2,781 |
| Net loans and leases to deposits | 77.2179% | 3,973 |
| Net loans and leases to core deposits | 78.4994% | 4,741 |
| Total domestic deposits to total assets | 90.3713% | 689 |
| Equity capital to assets | 8.1604% | 6,659 |
| Core capital (leverage) ratio | 6.4010% | 7,360 |
| Tier 1 risk-based capital ratio | 11.5577% | 5,874 |
| Total risk-based capital ratio | 12.7796% | 5,891 |
| Memoranda: | ||
| Average total assets | $159,739,750 | 3,758 |
| Average earning assets | $137,906,500 | 3,906 |
| Average equity | $12,283,000 | 4,602 |
| Average total loans | $115,574,000 | 3,461 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 1,981 |
| Cost of funding earning assets | 2.0840% | 699 |
| Net interest margin | 3.5561% | 5,024 |
| Noninterest income to average assets | 0.1968% | 6,493 |
| Noninterest expense to average assets | 2.3018% | 6,348 |
| Loan and lease loss provision to assets | 0.7561% | 1,904 |
| Net operating income to assets | 0.1021% | 5,862 |
| Return on assets (ROA) | 0.1021% | 5,975 |
| Pretax return on assets | 0.2080% | 5,754 |
| Return on Equity (ROE) | 1.3554% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.3554% | 5,204 |
| Net charge-offs to loans | 0.8978% | 2,035 |
| Credit loss provision to net charge-offs | 115.3992% | 3,515 |
| Earnings coverage of net charge-offs (x) | 1.4715% | 4,385 |
| Efficiency ratio | 68.6499% | 4,447 |
| Assets per employee ($millions) | 4.4419% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 6,752 |
| Loan loss allowance to noncurrent loans | 53.0395% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 1.2344% | 4,677 |
| Noncurrent loans to loans | 1.7011% | 4,135 |
| Net loans and leases to total assets | 71.9136% | 2,426 |
| Net loans and leases to deposits | 79.3668% | 3,720 |
| Net loans and leases to core deposits | 80.6521% | 4,607 |
| Total domestic deposits to total assets | 90.6091% | 639 |
| Equity capital to assets | 7.9757% | 6,776 |
| Core capital (leverage) ratio | 6.4230% | 7,399 |
| Tier 1 risk-based capital ratio | 11.6522% | 5,626 |
| Total risk-based capital ratio | 12.8603% | 5,627 |
| Memoranda: | ||
| Average total assets | $160,570,330 | 3,778 |
| Average earning assets | $138,577,330 | 3,928 |
| Average equity | $12,100,000 | 4,654 |
| Average total loans | $117,173,330 | 3,457 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 1,986 |
| Cost of funding earning assets | 2.2216% | 553 |
| Net interest margin | 3.4193% | 5,502 |
| Noninterest income to average assets | 0.1144% | 7,119 |
| Noninterest expense to average assets | 2.2672% | 6,489 |
| Loan and lease loss provision to assets | 1.4593% | 809 |
| Net operating income to assets | -0.3903% | 6,753 |
| Return on assets (ROA) | -0.3903% | 6,792 |
| Pretax return on assets | -0.6812% | 6,888 |
| Return on Equity (ROE) | -5.3342% | 6,901 |
| Retained earnings to average equity (ytd only) | -5.3342% | 6,612 |
| Net charge-offs to loans | 1.9433% | 884 |
| Credit loss provision to net charge-offs | 102.6224% | 3,325 |
| Earnings coverage of net charge-offs (x) | 0.5472% | 4,544 |
| Efficiency ratio | 72.4898% | 3,846 |
| Assets per employee ($millions) | 4.6929% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 7,001 |
| Loan loss allowance to noncurrent loans | 167.2269% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 6,163 |
| Noncurrent loans to loans | 0.5059% | 6,282 |
| Net loans and leases to total assets | 71.0000% | 2,699 |
| Net loans and leases to deposits | 78.0071% | 4,041 |
| Net loans and leases to core deposits | 79.2243% | 4,861 |
| Total domestic deposits to total assets | 91.0175% | 537 |
| Equity capital to assets | 7.5853% | 7,005 |
| Core capital (leverage) ratio | 6.0233% | 7,575 |
| Tier 1 risk-based capital ratio | 11.0670% | 6,097 |
| Total risk-based capital ratio | 12.1990% | 6,184 |
| Memoranda: | ||
| Average total assets | $160,900,500 | 3,823 |
| Average earning assets | $137,921,000 | 3,999 |
| Average equity | $11,773,000 | 4,775 |
| Average total loans | $117,738,000 | 3,504 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6837% | 3,193 |
| Cost of funding earning assets | 2.7694% | 486 |
| Net interest margin | 2.9143% | 6,834 |
| Noninterest income to average assets | 0.1025% | 7,255 |
| Noninterest expense to average assets | 5.2093% | 457 |
| Loan and lease loss provision to assets | 0.5328% | 3,708 |
| Net operating income to assets | -1.7687% | 7,001 |
| Return on assets (ROA) | -1.7687% | 7,000 |
| Pretax return on assets | -3.0110% | 7,293 |
| Return on Equity (ROE) | -22.9276% | 7,228 |
| Retained earnings to average equity (ytd only) | -22.9276% | 7,199 |
| Net charge-offs to loans | 0.4188% | 4,129 |
| Credit loss provision to net charge-offs | 163.4578% | 2,685 |
| Earnings coverage of net charge-offs (x) | -7.6031% | 7,144 |
| Efficiency ratio | 95.6389% | 1,327 |
| Assets per employee ($millions) | 4.6338% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 7,041 |
| Loan loss allowance to noncurrent loans | 103.5941% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 5,543 |
| Noncurrent loans to loans | 0.8026% | 5,675 |
| Net loans and leases to total assets | 74.1877% | 2,225 |
| Net loans and leases to deposits | 81.1027% | 3,774 |
| Net loans and leases to core deposits | 97.1394% | 4,336 |
| Total domestic deposits to total assets | 91.4738% | 385 |
| Equity capital to assets | 7.0372% | 7,353 |
| Core capital (leverage) ratio | 6.8795% | 7,324 |
| Tier 1 risk-based capital ratio | 11.7386% | 5,161 |
| Total risk-based capital ratio | 12.8019% | 5,305 |
| Memoranda: | ||
| Average total assets | $156,162,800 | 3,855 |
| Average earning assets | $140,859,200 | 3,885 |
| Average equity | $12,046,600 | 4,737 |
| Average total loans | $121,546,400 | 3,452 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 3,428 |
| Cost of funding earning assets | 2.9148% | 433 |
| Net interest margin | 2.7663% | 7,104 |
| Noninterest income to average assets | 0.1138% | 7,325 |
| Noninterest expense to average assets | 6.0557% | 303 |
| Loan and lease loss provision to assets | 0.6529% | 2,794 |
| Net operating income to assets | -2.3942% | 7,444 |
| Return on assets (ROA) | -2.3942% | 7,435 |
| Pretax return on assets | -4.0756% | 7,699 |
| Return on Equity (ROE) | -30.3632% | 7,617 |
| Retained earnings to average equity (ytd only) | -30.3632% | 7,602 |
| Net charge-offs to loans | 0.5541% | 3,021 |
| Credit loss provision to net charge-offs | 149.9018% | 3,210 |
| Earnings coverage of net charge-offs (x) | -7.8585% | 6,888 |
| Efficiency ratio | 98.9600% | 1,115 |
| Assets per employee ($millions) | 4.6620% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 7,173 |
| Loan loss allowance to noncurrent loans | 125.6198% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 5,522 |
| Noncurrent loans to loans | 0.6228% | 6,060 |
| Net loans and leases to total assets | 75.1752% | 2,200 |
| Net loans and leases to deposits | 82.1791% | 3,988 |
| Net loans and leases to core deposits | 98.0692% | 4,589 |
| Total domestic deposits to total assets | 91.4772% | 262 |
| Equity capital to assets | 7.1682% | 7,510 |
| Core capital (leverage) ratio | 6.9901% | 7,442 |
| Tier 1 risk-based capital ratio | 11.8180% | 5,143 |
| Total risk-based capital ratio | 12.8222% | 5,304 |
| Memoranda: | ||
| Average total assets | $155,816,250 | 3,879 |
| Average earning assets | $141,893,500 | 3,889 |
| Average equity | $12,286,500 | 4,720 |
| Average total loans | $122,467,500 | 3,461 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 3,664 |
| Cost of funding earning assets | 3.1475% | 308 |
| Net interest margin | 2.5319% | 7,444 |
| Noninterest income to average assets | 0.0537% | 7,723 |
| Noninterest expense to average assets | 7.7189% | 177 |
| Loan and lease loss provision to assets | 0.9037% | 1,870 |
| Net operating income to assets | -3.6735% | 7,785 |
| Return on assets (ROA) | -3.6735% | 7,784 |
| Pretax return on assets | -6.2401% | 7,960 |
| Return on Equity (ROE) | -45.2385% | 7,888 |
| Retained earnings to average equity (ytd only) | -45.2385% | 7,878 |
| Net charge-offs to loans | 0.8165% | 2,054 |
| Credit loss provision to net charge-offs | 139.1732% | 3,353 |
| Earnings coverage of net charge-offs (x) | -8.2185% | 6,505 |
| Efficiency ratio | 109.1738% | 870 |
| Assets per employee ($millions) | 4.3644% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7125% | 7,392 |
| Loan loss allowance to noncurrent loans | 92.9425% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 5,115 |
| Noncurrent loans to loans | 0.7667% | 5,701 |
| Net loans and leases to total assets | 78.0842% | 1,726 |
| Net loans and leases to deposits | 85.3367% | 3,674 |
| Net loans and leases to core deposits | 102.4778% | 4,233 |
| Total domestic deposits to total assets | 91.5013% | 323 |
| Equity capital to assets | 7.1422% | 7,525 |
| Core capital (leverage) ratio | 6.9516% | 7,574 |
| Tier 1 risk-based capital ratio | 11.4543% | 5,439 |
| Total risk-based capital ratio | 12.3796% | 5,657 |
| Memoranda: | ||
| Average total assets | $156,473,000 | 3,888 |
| Average earning assets | $143,922,670 | 3,863 |
| Average equity | $12,706,000 | 4,623 |
| Average total loans | $124,434,670 | 3,449 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 3,575 |
| Cost of funding earning assets | 2.8145% | 947 |
| Net interest margin | 2.9274% | 6,676 |
| Noninterest income to average assets | -0.0152% | 8,095 |
| Noninterest expense to average assets | 2.5137% | 5,789 |
| Loan and lease loss provision to assets | 0.0606% | 6,196 |
| Net operating income to assets | -0.0909% | 6,399 |
| Return on assets (ROA) | -0.0909% | 6,515 |
| Pretax return on assets | 0.0960% | 6,178 |
| Return on Equity (ROE) | -1.0585% | 6,547 |
| Retained earnings to average equity (ytd only) | -1.0585% | 5,900 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1069% | 1,642 |
| Assets per employee ($millions) | 4.4401% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5539% | 7,745 |
| Loan loss allowance to noncurrent loans | 40.9467% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 4,573 |
| Noncurrent loans to loans | 1.3527% | 4,284 |
| Net loans and leases to total assets | 77.7253% | 1,887 |
| Net loans and leases to deposits | 90.2900% | 2,881 |
| Net loans and leases to core deposits | 109.2508% | 3,533 |
| Total domestic deposits to total assets | 86.0840% | 2,667 |
| Equity capital to assets | 8.5721% | 5,954 |
| Core capital (leverage) ratio | 6.0525% | 7,993 |
| Tier 1 risk-based capital ratio | 10.0508% | 6,851 |
| Total risk-based capital ratio | 10.7896% | 7,334 |
| Memoranda: | ||
| Average total assets | $158,333,000 | 3,861 |
| Average earning assets | $145,246,500 | 3,846 |
| Average equity | $13,604,000 | 4,423 |
| Average total loans | $126,586,000 | 3,436 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9228% | 5,934 |
| Cost of funding earning assets | 3.1243% | 1,439 |
| Net interest margin | 2.7985% | 7,333 |
| Noninterest income to average assets | 0.2185% | 6,877 |
| Noninterest expense to average assets | 2.4892% | 6,048 |
| Loan and lease loss provision to assets | 0.1888% | 4,997 |
| Net operating income to assets | 0.1217% | 6,051 |
| Return on assets (ROA) | -0.0836% | 6,331 |
| Pretax return on assets | -0.2068% | 6,376 |
| Return on Equity (ROE) | -1.0068% | 6,368 |
| Retained earnings to average equity (ytd only) | -1.0068% | 5,603 |
| Net charge-offs to loans | 0.0120% | 6,751 |
| Credit loss provision to net charge-offs | 2,033.3333% | 217 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 1,106 |
| Efficiency ratio | 85.9424% | 1,856 |
| Assets per employee ($millions) | 4.9007% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5544% | 7,762 |
| Loan loss allowance to noncurrent loans | 48.8996% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 4,511 |
| Noncurrent loans to loans | 1.1338% | 4,275 |
| Net loans and leases to total assets | 81.3214% | 1,352 |
| Net loans and leases to deposits | 96.7052% | 2,335 |
| Net loans and leases to core deposits | 115.1951% | 3,216 |
| Total domestic deposits to total assets | 84.0921% | 3,281 |
| Equity capital to assets | 8.6124% | 5,919 |
| Core capital (leverage) ratio | 6.0242% | 8,072 |
| Tier 1 risk-based capital ratio | 9.6607% | 7,130 |
| Total risk-based capital ratio | 10.4085% | 7,623 |
| Memoranda: | ||
| Average total assets | $161,537,200 | 3,695 |
| Average earning assets | $148,545,400 | 3,682 |
| Average equity | $13,409,200 | 4,472 |
| Average total loans | $124,766,400 | 3,355 |