Home > CBL State Savings Bank > Performance and Condition Ratios
CBL State Savings 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 | 4.4995% | 3,097 |
| Cost of funding earning assets | 2.1330% | 727 |
| Net interest margin | 2.3664% | 4,210 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.4591% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.1273% | 4,438 |
| Return on assets (ROA) | -0.1273% | 4,420 |
| Pretax return on assets | -0.2126% | 4,430 |
| Return on Equity (ROE) | -0.6400% | 4,375 |
| Retained earnings to average equity (ytd only) | -1.0412% | 4,190 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 109.4635% | 113 |
| Assets per employee ($millions) | 8.8210% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,443 |
| Loan loss allowance to noncurrent loans | 1,246.9880% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 3,216 |
| Noncurrent loans to loans | 0.0781% | 3,160 |
| Net loans and leases to total assets | 70.1900% | 1,789 |
| Net loans and leases to deposits | 96.7747% | 732 |
| Net loans and leases to core deposits | 130.6733% | 392 |
| Total domestic deposits to total assets | 72.5300% | 4,202 |
| Equity capital to assets | 19.5789% | 295 |
| Core capital (leverage) ratio | 20.5448% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $147,695,600 | 3,387 |
| Average earning assets | $133,237,800 | 3,413 |
| Average equity | $29,582,400 | 2,281 |
| Average total loans | $103,116,400 | 3,142 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 3,015 |
| Cost of funding earning assets | 1.9052% | 856 |
| Net interest margin | 2.5389% | 4,103 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 2.5120% | 2,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.1115% | 4,477 |
| Return on assets (ROA) | -0.1115% | 4,463 |
| Pretax return on assets | -0.1115% | 4,448 |
| Return on Equity (ROE) | -0.5500% | 4,415 |
| Retained earnings to average equity (ytd only) | -1.0932% | 4,261 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 104.6433% | 131 |
| Assets per employee ($millions) | 8.8414% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5731% | 4,300 |
| Loan loss allowance to noncurrent loans | 616.4948% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,183 |
| Noncurrent loans to loans | 0.0930% | 3,110 |
| Net loans and leases to total assets | 69.0300% | 1,941 |
| Net loans and leases to deposits | 95.4277% | 788 |
| Net loans and leases to core deposits | 127.4746% | 381 |
| Total domestic deposits to total assets | 72.3300% | 4,241 |
| Equity capital to assets | 19.4647% | 298 |
| Core capital (leverage) ratio | 21.1279% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $147,130,250 | 3,400 |
| Average earning assets | $132,755,750 | 3,426 |
| Average equity | $29,638,000 | 2,265 |
| Average total loans | $102,322,750 | 3,151 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,910 |
| Cost of funding earning assets | 1.6784% | 916 |
| Net interest margin | 2.7094% | 3,958 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.5015% | 2,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0548% | 4,389 |
| Return on assets (ROA) | 0.0548% | 4,422 |
| Pretax return on assets | 0.0548% | 4,421 |
| Return on Equity (ROE) | 0.2700% | 4,419 |
| Retained earnings to average equity (ytd only) | -0.5375% | 4,164 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 97.8575% | 199 |
| Assets per employee ($millions) | 8.1755% | 1,243 |
| Cash dividends to net income (ytd only)* | 300.0000% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5796% | 4,322 |
| Loan loss allowance to noncurrent loans | 335.1955% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 2,691 |
| Noncurrent loans to loans | 0.1729% | 2,616 |
| Net loans and leases to total assets | 69.9400% | 1,747 |
| Net loans and leases to deposits | 92.9953% | 954 |
| Net loans and leases to core deposits | 124.4763% | 420 |
| Total domestic deposits to total assets | 75.2000% | 4,102 |
| Equity capital to assets | 20.1918% | 279 |
| Core capital (leverage) ratio | 21.2612% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $146,072,667 | 3,418 |
| Average earning assets | $131,909,333 | 3,448 |
| Average equity | $29,765,333 | 2,271 |
| Average total loans | $101,648,000 | 3,159 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3427% | 2,697 |
| Cost of funding earning assets | 1.4314% | 969 |
| Net interest margin | 2.9113% | 3,773 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.5864% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1182% | 4,419 |
| Return on assets (ROA) | 0.1182% | 4,392 |
| Pretax return on assets | 0.1567% | 4,375 |
| Return on Equity (ROE) | 0.5800% | 4,412 |
| Retained earnings to average equity (ytd only) | -0.3625% | 4,070 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 94.2886% | 254 |
| Assets per employee ($millions) | 8.2256% | 1,236 |
| Cash dividends to net income (ytd only)* | 162.7907% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5855% | 4,380 |
| Loan loss allowance to noncurrent loans | 1,224.4898% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 3,451 |
| Noncurrent loans to loans | 0.0478% | 3,394 |
| Net loans and leases to total assets | 68.8100% | 1,749 |
| Net loans and leases to deposits | 91.2650% | 962 |
| Net loans and leases to core deposits | 121.1934% | 410 |
| Total domestic deposits to total assets | 75.4000% | 4,198 |
| Equity capital to assets | 20.3046% | 225 |
| Core capital (leverage) ratio | 21.6038% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $145,529,500 | 3,469 |
| Average earning assets | $131,623,000 | 3,492 |
| Average equity | $29,791,000 | 2,302 |
| Average total loans | $100,713,500 | 3,204 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 1,869 |
| Cost of funding earning assets | 0.5325% | 1,205 |
| Net interest margin | 3.4139% | 2,208 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 2.5721% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4788% | 4,114 |
| Return on assets (ROA) | 0.4794% | 4,081 |
| Pretax return on assets | 0.6321% | 3,974 |
| Return on Equity (ROE) | 2.3600% | 4,352 |
| Retained earnings to average equity (ytd only) | 1.8536% | 4,011 |
| Net charge-offs to loans | 0.0063% | 2,188 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 154.3333% | 775 |
| Efficiency ratio | 80.2895% | 696 |
| Assets per employee ($millions) | 7.9444% | 1,347 |
| Cash dividends to net income (ytd only)* | 21.3371% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 3,977 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,446 |
| Noncurrent loans to loans | 0.0515% | 3,390 |
| Net loans and leases to total assets | 68.6200% | 1,772 |
| Net loans and leases to deposits | 91.1871% | 968 |
| Net loans and leases to core deposits | 118.0140% | 404 |
| Total domestic deposits to total assets | 75.2600% | 4,297 |
| Equity capital to assets | 20.6428% | 207 |
| Core capital (leverage) ratio | 21.7303% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $146,652,200 | 3,474 |
| Average earning assets | $132,955,000 | 3,495 |
| Average equity | $29,834,000 | 2,342 |
| Average total loans | $95,784,400 | 3,210 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 1,568 |
| Cost of funding earning assets | 0.4163% | 1,183 |
| Net interest margin | 3.4481% | 1,814 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 2.4477% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5974% | 3,843 |
| Return on assets (ROA) | 0.5981% | 3,800 |
| Pretax return on assets | 0.7888% | 3,613 |
| Return on Equity (ROE) | 2.9500% | 4,301 |
| Retained earnings to average equity (ytd only) | 2.5050% | 3,915 |
| Net charge-offs to loans | 0.0225% | 1,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 1,236 |
| Efficiency ratio | 75.6493% | 1,106 |
| Assets per employee ($millions) | 8.5336% | 1,048 |
| Cash dividends to net income (ytd only)* | 15.1057% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 4,065 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 67.7800% | 1,701 |
| Net loans and leases to deposits | 89.5433% | 921 |
| Net loans and leases to core deposits | 112.9669% | 389 |
| Total domestic deposits to total assets | 75.6900% | 4,381 |
| Equity capital to assets | 20.1727% | 210 |
| Core capital (leverage) ratio | 21.5060% | 206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $147,565,500 | 3,494 |
| Average earning assets | $133,866,500 | 3,508 |
| Average equity | $29,912,750 | 2,372 |
| Average total loans | $94,993,750 | 3,236 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 1,356 |
| Cost of funding earning assets | 0.4108% | 854 |
| Net interest margin | 3.3696% | 1,690 |
| Noninterest income to average assets | 0.1065% | 4,456 |
| Noninterest expense to average assets | 2.3639% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6108% | 3,601 |
| Return on assets (ROA) | 0.6119% | 3,542 |
| Pretax return on assets | 0.8059% | 3,311 |
| Return on Equity (ROE) | 3.0137% | 4,211 |
| Retained earnings to average equity (ytd only) | 2.3499% | 3,657 |
| Net charge-offs to loans | 0.0342% | 1,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 37.3125% | 1,293 |
| Efficiency ratio | 74.6066% | 1,440 |
| Assets per employee ($millions) | 8.7192% | 983 |
| Cash dividends to net income (ytd only)* | 22.0264% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 4,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 64.6029% | 1,843 |
| Net loans and leases to deposits | 84.8905% | 1,060 |
| Net loans and leases to core deposits | 107.6488% | 404 |
| Total domestic deposits to total assets | 76.1015% | 4,454 |
| Equity capital to assets | 19.9235% | 170 |
| Core capital (leverage) ratio | 21.1029% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,396,667 | 3,517 |
| Average earning assets | $134,852,000 | 3,547 |
| Average equity | $30,128,667 | 2,413 |
| Average total loans | $93,615,333 | 3,282 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6260% | 1,433 |
| Cost of funding earning assets | 0.4118% | 809 |
| Net interest margin | 3.2142% | 1,838 |
| Noninterest income to average assets | 0.1051% | 4,481 |
| Noninterest expense to average assets | 2.3464% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5199% | 3,653 |
| Return on assets (ROA) | 0.5199% | 3,620 |
| Pretax return on assets | 0.6816% | 3,439 |
| Return on Equity (ROE) | 2.5372% | 4,179 |
| Retained earnings to average equity (ytd only) | 1.2226% | 3,768 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4911% | 1,358 |
| Assets per employee ($millions) | 9.3086% | 822 |
| Cash dividends to net income (ytd only)* | 51.8135% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 4,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 62.5052% | 1,794 |
| Net loans and leases to deposits | 82.1920% | 998 |
| Net loans and leases to core deposits | 105.0165% | 369 |
| Total domestic deposits to total assets | 76.0478% | 4,498 |
| Equity capital to assets | 20.1393% | 158 |
| Core capital (leverage) ratio | 20.9152% | 148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,481,500 | 3,526 |
| Average earning assets | $135,026,000 | 3,567 |
| Average equity | $30,427,000 | 2,459 |
| Average total loans | $92,140,500 | 3,298 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 1,966 |
| Cost of funding earning assets | 0.5682% | 638 |
| Net interest margin | 3.1903% | 2,625 |
| Noninterest income to average assets | 0.1069% | 4,577 |
| Noninterest expense to average assets | 2.2363% | 2,978 |
| Loan and lease loss provision to assets | -0.0672% | 4,430 |
| Net operating income to assets | 0.6670% | 3,704 |
| Return on assets (ROA) | 0.6670% | 3,758 |
| Pretax return on assets | 0.8600% | 3,594 |
| Return on Equity (ROE) | 3.2450% | 4,326 |
| Retained earnings to average equity (ytd only) | 2.9670% | 3,642 |
| Net charge-offs to loans | -0.0860% | 4,538 |
| Credit loss provision to net charge-offs | 125.0000% | 1,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8291% | 1,324 |
| Assets per employee ($millions) | 8.7074% | 1,011 |
| Cash dividends to net income (ytd only)* | 8.5685% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.4918% | 2,112 |
| Net loans and leases to deposits | 80.1244% | 1,205 |
| Net loans and leases to core deposits | 103.1768% | 427 |
| Total domestic deposits to total assets | 75.4974% | 4,534 |
| Equity capital to assets | 20.8472% | 154 |
| Core capital (leverage) ratio | 21.0467% | 145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,729,000 | 3,494 |
| Average earning assets | $136,223,400 | 3,519 |
| Average equity | $30,570,000 | 2,496 |
| Average total loans | $93,011,000 | 3,292 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 2,088 |
| Cost of funding earning assets | 0.6149% | 592 |
| Net interest margin | 3.1563% | 2,872 |
| Noninterest income to average assets | 0.1066% | 4,646 |
| Noninterest expense to average assets | 2.1758% | 3,153 |
| Loan and lease loss provision to assets | -0.0893% | 4,579 |
| Net operating income to assets | 0.6948% | 3,778 |
| Return on assets (ROA) | 0.6948% | 3,846 |
| Pretax return on assets | 0.9160% | 3,659 |
| Return on Equity (ROE) | 3.3925% | 4,401 |
| Retained earnings to average equity (ytd only) | 3.2395% | 3,815 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4724% | 1,363 |
| Assets per employee ($millions) | 8.5515% | 1,033 |
| Cash dividends to net income (ytd only)* | 4.5103% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 4,328 |
| Loan loss allowance to noncurrent loans | 311.7647% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 3,028 |
| Noncurrent loans to loans | 0.2598% | 2,892 |
| Net loans and leases to total assets | 62.5165% | 1,945 |
| Net loans and leases to deposits | 83.4181% | 1,005 |
| Net loans and leases to core deposits | 105.8921% | 410 |
| Total domestic deposits to total assets | 74.9436% | 4,603 |
| Equity capital to assets | 21.1871% | 153 |
| Core capital (leverage) ratio | 21.0054% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,905,000 | 3,524 |
| Average earning assets | $136,610,500 | 3,546 |
| Average equity | $30,497,750 | 2,530 |
| Average total loans | $93,672,500 | 3,326 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 1,995 |
| Cost of funding earning assets | 0.6141% | 694 |
| Net interest margin | 3.2170% | 2,705 |
| Noninterest income to average assets | 0.1053% | 4,672 |
| Noninterest expense to average assets | 2.0669% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7569% | 3,623 |
| Return on assets (ROA) | 0.7569% | 3,692 |
| Pretax return on assets | 0.9981% | 3,451 |
| Return on Equity (ROE) | 3.7373% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.5070% | 3,683 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4348% | 1,944 |
| Assets per employee ($millions) | 9.4285% | 732 |
| Cash dividends to net income (ytd only)* | 6.1620% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,152 |
| Loan loss allowance to noncurrent loans | 287.3720% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,985 |
| Noncurrent loans to loans | 0.3130% | 2,802 |
| Net loans and leases to total assets | 61.5037% | 2,239 |
| Net loans and leases to deposits | 85.3694% | 954 |
| Net loans and leases to core deposits | 107.1967% | 435 |
| Total domestic deposits to total assets | 72.0442% | 4,706 |
| Equity capital to assets | 20.2876% | 178 |
| Core capital (leverage) ratio | 20.3592% | 167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,081,333 | 3,528 |
| Average earning assets | $138,080,667 | 3,538 |
| Average equity | $30,396,667 | 2,520 |
| Average total loans | $94,354,667 | 3,332 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 1,961 |
| Cost of funding earning assets | 0.6755% | 600 |
| Net interest margin | 3.1718% | 2,779 |
| Noninterest income to average assets | 0.1015% | 4,680 |
| Noninterest expense to average assets | 2.0923% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7081% | 3,685 |
| Return on assets (ROA) | 0.7081% | 3,749 |
| Pretax return on assets | 0.9326% | 3,533 |
| Return on Equity (ROE) | 3.4992% | 4,371 |
| Retained earnings to average equity (ytd only) | 3.4992% | 3,632 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1696% | 1,796 |
| Assets per employee ($millions) | 9.4039% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,184 |
| Loan loss allowance to noncurrent loans | 248.3776% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 3,025 |
| Noncurrent loans to loans | 0.3580% | 2,797 |
| Net loans and leases to total assets | 62.3739% | 2,247 |
| Net loans and leases to deposits | 86.7591% | 908 |
| Net loans and leases to core deposits | 108.7890% | 445 |
| Total domestic deposits to total assets | 71.8932% | 4,720 |
| Equity capital to assets | 20.1553% | 182 |
| Core capital (leverage) ratio | 20.2620% | 177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,694,000 | 3,535 |
| Average earning assets | $137,965,500 | 3,537 |
| Average equity | $30,292,500 | 2,523 |
| Average total loans | $94,720,000 | 3,341 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 2,054 |
| Cost of funding earning assets | 1.2690% | 204 |
| Net interest margin | 2.9614% | 3,982 |
| Noninterest income to average assets | 0.1173% | 4,682 |
| Noninterest expense to average assets | 2.1518% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5397% | 3,936 |
| Return on assets (ROA) | 0.5525% | 3,997 |
| Pretax return on assets | 0.7091% | 3,865 |
| Return on Equity (ROE) | 2.7293% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.4279% | 3,647 |
| Net charge-offs to loans | 0.0331% | 2,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 31.9375% | 1,556 |
| Efficiency ratio | 75.6435% | 1,274 |
| Assets per employee ($millions) | 9.3079% | 672 |
| Cash dividends to net income (ytd only)* | 11.0429% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,215 |
| Loan loss allowance to noncurrent loans | 233.2410% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,073 |
| Noncurrent loans to loans | 0.3810% | 2,840 |
| Net loans and leases to total assets | 63.0561% | 2,483 |
| Net loans and leases to deposits | 88.1789% | 1,071 |
| Net loans and leases to core deposits | 109.1942% | 536 |
| Total domestic deposits to total assets | 71.5093% | 4,734 |
| Equity capital to assets | 20.3181% | 185 |
| Core capital (leverage) ratio | 20.0223% | 188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,505,400 | 3,431 |
| Average earning assets | $135,850,200 | 3,432 |
| Average equity | $29,860,600 | 2,482 |
| Average total loans | $96,588,000 | 3,285 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,179 |
| Cost of funding earning assets | 1.3898% | 170 |
| Net interest margin | 2.8839% | 4,204 |
| Noninterest income to average assets | 0.1105% | 4,722 |
| Noninterest expense to average assets | 2.1628% | 3,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4558% | 4,158 |
| Return on assets (ROA) | 0.4730% | 4,183 |
| Pretax return on assets | 0.6243% | 4,064 |
| Return on Equity (ROE) | 2.3386% | 4,501 |
| Retained earnings to average equity (ytd only) | 2.1370% | 3,881 |
| Net charge-offs to loans | 0.0234% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 39.1176% | 1,373 |
| Efficiency ratio | 78.2110% | 1,012 |
| Assets per employee ($millions) | 8.8095% | 746 |
| Cash dividends to net income (ytd only)* | 8.6207% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 4,091 |
| Loan loss allowance to noncurrent loans | 136.9010% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 2,497 |
| Noncurrent loans to loans | 0.6536% | 2,155 |
| Net loans and leases to total assets | 63.3792% | 2,838 |
| Net loans and leases to deposits | 88.8787% | 1,387 |
| Net loans and leases to core deposits | 110.7109% | 671 |
| Total domestic deposits to total assets | 71.3098% | 4,705 |
| Equity capital to assets | 20.0278% | 211 |
| Core capital (leverage) ratio | 19.8047% | 204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,150,250 | 3,425 |
| Average earning assets | $135,462,500 | 3,424 |
| Average equity | $29,761,000 | 2,488 |
| Average total loans | $97,047,750 | 3,288 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,344 |
| Cost of funding earning assets | 1.4547% | 183 |
| Net interest margin | 2.8931% | 4,321 |
| Noninterest income to average assets | 0.1094% | 4,745 |
| Noninterest expense to average assets | 2.1671% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4580% | 4,116 |
| Return on assets (ROA) | 0.4580% | 4,180 |
| Pretax return on assets | 0.6043% | 4,054 |
| Return on Equity (ROE) | 2.2572% | 4,482 |
| Retained earnings to average equity (ytd only) | 1.9540% | 3,780 |
| Net charge-offs to loans | 0.0349% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,538 |
| Efficiency ratio | 78.1944% | 1,038 |
| Assets per employee ($millions) | 8.7312% | 743 |
| Cash dividends to net income (ytd only)* | 13.4328% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8839% | 4,064 |
| Loan loss allowance to noncurrent loans | 119.0278% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 2,380 |
| Noncurrent loans to loans | 0.7426% | 2,021 |
| Net loans and leases to total assets | 64.7443% | 2,785 |
| Net loans and leases to deposits | 91.4428% | 1,222 |
| Net loans and leases to core deposits | 114.8313% | 570 |
| Total domestic deposits to total assets | 70.8031% | 4,762 |
| Equity capital to assets | 20.1408% | 207 |
| Core capital (leverage) ratio | 19.8600% | 210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,279,667 | 3,414 |
| Average earning assets | $134,595,333 | 3,409 |
| Average equity | $29,683,333 | 2,485 |
| Average total loans | $97,472,000 | 3,274 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4273% | 2,515 |
| Cost of funding earning assets | 1.5097% | 260 |
| Net interest margin | 2.9176% | 4,407 |
| Noninterest income to average assets | 0.1129% | 4,780 |
| Noninterest expense to average assets | 2.2699% | 3,837 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3994% | 4,137 |
| Return on assets (ROA) | 0.3994% | 4,173 |
| Pretax return on assets | 0.5262% | 4,077 |
| Return on Equity (ROE) | 1.9610% | 4,451 |
| Retained earnings to average equity (ytd only) | 1.9610% | 3,453 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1823% | 1,028 |
| Assets per employee ($millions) | 8.7494% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,125 |
| Loan loss allowance to noncurrent loans | 3,641.6667% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 4,560 |
| Noncurrent loans to loans | 0.0246% | 4,471 |
| Net loans and leases to total assets | 65.0081% | 2,944 |
| Net loans and leases to deposits | 91.6782% | 1,318 |
| Net loans and leases to core deposits | 115.2575% | 616 |
| Total domestic deposits to total assets | 70.9090% | 4,817 |
| Equity capital to assets | 19.9395% | 250 |
| Core capital (leverage) ratio | 20.1883% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,204,500 | 3,391 |
| Average earning assets | $133,536,500 | 3,403 |
| Average equity | $29,577,500 | 2,484 |
| Average total loans | $97,729,500 | 3,253 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 2,157 |
| Cost of funding earning assets | 1.5436% | 349 |
| Net interest margin | 3.2190% | 4,147 |
| Noninterest income to average assets | 0.1312% | 4,815 |
| Noninterest expense to average assets | 2.1804% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6874% | 3,904 |
| Return on assets (ROA) | 0.6874% | 3,969 |
| Pretax return on assets | 0.9061% | 3,726 |
| Return on Equity (ROE) | 3.2572% | 4,617 |
| Retained earnings to average equity (ytd only) | 2.9636% | 3,553 |
| Net charge-offs to loans | -0.0084% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6424% | 2,075 |
| Assets per employee ($millions) | 8.8543% | 523 |
| Cash dividends to net income (ytd only)* | 9.0138% | 3,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 3,988 |
| Loan loss allowance to noncurrent loans | 3,361.5385% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,565 |
| Noncurrent loans to loans | 0.0266% | 4,459 |
| Net loans and leases to total assets | 68.4822% | 2,612 |
| Net loans and leases to deposits | 95.5381% | 991 |
| Net loans and leases to core deposits | 120.9083% | 451 |
| Total domestic deposits to total assets | 71.6805% | 4,877 |
| Equity capital to assets | 20.8211% | 218 |
| Core capital (leverage) ratio | 20.8102% | 205 |
| Tier 1 risk-based capital ratio | 39.8188% | 247 |
| Total risk-based capital ratio | 41.0044% | 243 |
| Memoranda: | ||
| Average total assets | $137,177,200 | 3,475 |
| Average earning assets | $125,937,800 | 3,484 |
| Average equity | $28,951,200 | 2,450 |
| Average total loans | $94,821,400 | 3,298 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 2,140 |
| Cost of funding earning assets | 1.5127% | 394 |
| Net interest margin | 3.2796% | 4,126 |
| Noninterest income to average assets | 0.1343% | 4,860 |
| Noninterest expense to average assets | 2.1922% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7203% | 3,946 |
| Return on assets (ROA) | 0.7203% | 4,011 |
| Pretax return on assets | 0.9506% | 3,738 |
| Return on Equity (ROE) | 3.4010% | 4,699 |
| Retained earnings to average equity (ytd only) | 3.2390% | 3,790 |
| Net charge-offs to loans | -0.0113% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7537% | 2,152 |
| Assets per employee ($millions) | 8.7106% | 531 |
| Cash dividends to net income (ytd only)* | 4.7623% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 3,991 |
| Loan loss allowance to noncurrent loans | 3,237.0370% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 4,647 |
| Noncurrent loans to loans | 0.0282% | 4,546 |
| Net loans and leases to total assets | 68.0419% | 2,783 |
| Net loans and leases to deposits | 95.9012% | 1,024 |
| Net loans and leases to core deposits | 122.6969% | 450 |
| Total domestic deposits to total assets | 70.9500% | 4,958 |
| Equity capital to assets | 21.0598% | 219 |
| Core capital (leverage) ratio | 20.9681% | 205 |
| Tier 1 risk-based capital ratio | 40.6590% | 232 |
| Total risk-based capital ratio | 41.8761% | 230 |
| Memoranda: | ||
| Average total assets | $136,054,250 | 3,529 |
| Average earning assets | $124,809,000 | 3,535 |
| Average equity | $28,814,750 | 2,472 |
| Average total loans | $94,053,750 | 3,358 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 2,274 |
| Cost of funding earning assets | 1.4699% | 418 |
| Net interest margin | 3.2615% | 4,219 |
| Noninterest income to average assets | 0.1378% | 4,883 |
| Noninterest expense to average assets | 2.1771% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7203% | 3,932 |
| Return on assets (ROA) | 0.7203% | 3,992 |
| Pretax return on assets | 0.9500% | 3,711 |
| Return on Equity (ROE) | 3.3943% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.1499% | 3,643 |
| Net charge-offs to loans | -0.0107% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6209% | 2,288 |
| Assets per employee ($millions) | 8.6779% | 528 |
| Cash dividends to net income (ytd only)* | 7.2016% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 4,042 |
| Loan loss allowance to noncurrent loans | 3,110.7143% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 4,683 |
| Noncurrent loans to loans | 0.0293% | 4,575 |
| Net loans and leases to total assets | 68.1503% | 2,792 |
| Net loans and leases to deposits | 93.0340% | 1,371 |
| Net loans and leases to core deposits | 117.9895% | 602 |
| Total domestic deposits to total assets | 73.2531% | 4,884 |
| Equity capital to assets | 20.9131% | 210 |
| Core capital (leverage) ratio | 20.9691% | 198 |
| Tier 1 risk-based capital ratio | 39.9027% | 235 |
| Total risk-based capital ratio | 41.1033% | 230 |
| Memoranda: | ||
| Average total assets | $134,949,000 | 3,558 |
| Average earning assets | $123,685,670 | 3,569 |
| Average equity | $28,636,000 | 2,476 |
| Average total loans | $93,503,670 | 3,387 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 2,177 |
| Cost of funding earning assets | 1.4225% | 426 |
| Net interest margin | 3.2918% | 4,178 |
| Noninterest income to average assets | 0.1293% | 4,958 |
| Noninterest expense to average assets | 2.2797% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6556% | 4,072 |
| Return on assets (ROA) | 0.6556% | 4,109 |
| Pretax return on assets | 0.8632% | 3,884 |
| Return on Equity (ROE) | 3.0666% | 4,771 |
| Retained earnings to average equity (ytd only) | 3.0666% | 3,707 |
| Net charge-offs to loans | -0.0086% | 4,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5359% | 1,953 |
| Assets per employee ($millions) | 8.5055% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9218% | 4,067 |
| Loan loss allowance to noncurrent loans | 2,993.1034% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,754 |
| Noncurrent loans to loans | 0.0308% | 4,639 |
| Net loans and leases to total assets | 68.5549% | 2,687 |
| Net loans and leases to deposits | 93.9243% | 1,189 |
| Net loans and leases to core deposits | 119.2878% | 548 |
| Total domestic deposits to total assets | 72.9895% | 4,999 |
| Equity capital to assets | 21.0357% | 196 |
| Core capital (leverage) ratio | 21.3307% | 188 |
| Tier 1 risk-based capital ratio | 40.5637% | 226 |
| Total risk-based capital ratio | 41.7899% | 224 |
| Memoranda: | ||
| Average total assets | $133,000,500 | 3,621 |
| Average earning assets | $121,756,000 | 3,633 |
| Average equity | $28,435,500 | 2,490 |
| Average total loans | $92,508,000 | 3,438 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5770% | 2,204 |
| Cost of funding earning assets | 1.2679% | 253 |
| Net interest margin | 3.3092% | 4,229 |
| Noninterest income to average assets | 0.8660% | 1,277 |
| Noninterest expense to average assets | 2.8119% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9963% | 3,025 |
| Return on assets (ROA) | 0.9963% | 3,015 |
| Pretax return on assets | 1.0806% | 3,344 |
| Return on Equity (ROE) | 4.6316% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.4535% | 3,077 |
| Net charge-offs to loans | -0.0092% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2386% | 1,865 |
| Assets per employee ($millions) | 8.6477% | 521 |
| Cash dividends to net income (ytd only)* | 3.8462% | 3,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 3,944 |
| Loan loss allowance to noncurrent loans | 2,886.6667% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,761 |
| Noncurrent loans to loans | 0.0330% | 4,625 |
| Net loans and leases to total assets | 69.3723% | 2,680 |
| Net loans and leases to deposits | 96.1759% | 1,061 |
| Net loans and leases to core deposits | 123.5372% | 457 |
| Total domestic deposits to total assets | 72.1307% | 5,064 |
| Equity capital to assets | 21.9318% | 174 |
| Core capital (leverage) ratio | 22.1140% | 163 |
| Tier 1 risk-based capital ratio | 41.6594% | 211 |
| Total risk-based capital ratio | 42.9092% | 210 |
| Memoranda: | ||
| Average total assets | $130,480,800 | 3,643 |
| Average earning assets | $119,334,800 | 3,656 |
| Average equity | $28,067,800 | 2,456 |
| Average total loans | $87,369,400 | 3,528 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 2,256 |
| Cost of funding earning assets | 1.2072% | 242 |
| Net interest margin | 3.3058% | 4,261 |
| Noninterest income to average assets | 1.1081% | 767 |
| Noninterest expense to average assets | 2.3152% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6132% | 942 |
| Return on assets (ROA) | 1.6132% | 946 |
| Pretax return on assets | 1.8162% | 978 |
| Return on Equity (ROE) | 7.5358% | 3,734 |
| Retained earnings to average equity (ytd only) | 7.5358% | 1,871 |
| Net charge-offs to loans | -0.0077% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0385% | 4,387 |
| Assets per employee ($millions) | 9.2981% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 3,870 |
| Loan loss allowance to noncurrent loans | 1,628.3019% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0407% | 4,776 |
| Noncurrent loans to loans | 0.0604% | 4,619 |
| Net loans and leases to total assets | 66.7212% | 3,098 |
| Net loans and leases to deposits | 92.5573% | 1,558 |
| Net loans and leases to core deposits | 118.8026% | 615 |
| Total domestic deposits to total assets | 72.0864% | 5,126 |
| Equity capital to assets | 21.9592% | 165 |
| Core capital (leverage) ratio | 22.2953% | 161 |
| Tier 1 risk-based capital ratio | 43.3236% | 186 |
| Total risk-based capital ratio | 44.5741% | 183 |
| Memoranda: | ||
| Average total assets | $130,672,000 | 3,672 |
| Average earning assets | $119,502,750 | 3,691 |
| Average equity | $27,972,500 | 2,457 |
| Average total loans | $86,498,500 | 3,570 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4690% | 2,186 |
| Cost of funding earning assets | 1.1398% | 244 |
| Net interest margin | 3.3292% | 4,165 |
| Noninterest income to average assets | 1.5928% | 391 |
| Noninterest expense to average assets | 2.2501% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1645% | 273 |
| Return on assets (ROA) | 2.1645% | 266 |
| Pretax return on assets | 2.3877% | 279 |
| Return on Equity (ROE) | 10.1987% | 2,478 |
| Retained earnings to average equity (ytd only) | 10.1987% | 872 |
| Net charge-offs to loans | -0.0070% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5168% | 5,090 |
| Assets per employee ($millions) | 9.2867% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,917 |
| Loan loss allowance to noncurrent loans | 1,230.0000% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 4,760 |
| Noncurrent loans to loans | 0.0804% | 4,551 |
| Net loans and leases to total assets | 66.3013% | 3,097 |
| Net loans and leases to deposits | 91.9801% | 1,583 |
| Net loans and leases to core deposits | 117.2436% | 663 |
| Total domestic deposits to total assets | 72.0822% | 5,178 |
| Equity capital to assets | 21.9138% | 169 |
| Core capital (leverage) ratio | 22.1625% | 160 |
| Tier 1 risk-based capital ratio | 42.9880% | 196 |
| Total risk-based capital ratio | 44.2389% | 192 |
| Memoranda: | ||
| Average total assets | $130,838,330 | 3,697 |
| Average earning assets | $119,669,670 | 3,718 |
| Average equity | $27,768,330 | 2,482 |
| Average total loans | $86,092,670 | 3,602 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 2,235 |
| Cost of funding earning assets | 1.0839% | 247 |
| Net interest margin | 3.3050% | 4,176 |
| Noninterest income to average assets | 0.2286% | 4,638 |
| Noninterest expense to average assets | 2.1364% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8442% | 3,530 |
| Return on assets (ROA) | 0.8442% | 3,547 |
| Pretax return on assets | 1.1124% | 3,128 |
| Return on Equity (ROE) | 4.0428% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.0428% | 3,580 |
| Net charge-offs to loans | -0.0047% | 3,986 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7598% | 3,217 |
| Assets per employee ($millions) | 10.0715% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,979 |
| Loan loss allowance to noncurrent loans | 1,115.5844% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,800 |
| Noncurrent loans to loans | 0.0894% | 4,579 |
| Net loans and leases to total assets | 65.0971% | 3,165 |
| Net loans and leases to deposits | 90.5528% | 1,625 |
| Net loans and leases to core deposits | 109.1977% | 1,049 |
| Total domestic deposits to total assets | 71.8886% | 5,292 |
| Equity capital to assets | 20.9312% | 183 |
| Core capital (leverage) ratio | 21.4371% | 171 |
| Tier 1 risk-based capital ratio | 40.9155% | 215 |
| Total risk-based capital ratio | 42.1653% | 214 |
| Memoranda: | ||
| Average total assets | $131,250,500 | 3,730 |
| Average earning assets | $119,939,500 | 3,749 |
| Average equity | $27,407,000 | 2,530 |
| Average total loans | $85,608,000 | 3,636 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 2,160 |
| Cost of funding earning assets | 1.0020% | 208 |
| Net interest margin | 3.3555% | 3,991 |
| Noninterest income to average assets | 0.2028% | 4,928 |
| Noninterest expense to average assets | 2.3206% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6409% | 3,849 |
| Return on assets (ROA) | 0.6564% | 3,834 |
| Pretax return on assets | 0.9423% | 3,771 |
| Return on Equity (ROE) | 3.1870% | 4,779 |
| Retained earnings to average equity (ytd only) | 3.1870% | 3,394 |
| Net charge-offs to loans | 0.1951% | 1,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.0174% | 3,104 |
| Efficiency ratio | 71.6067% | 2,291 |
| Assets per employee ($millions) | 10.9643% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,889 |
| Loan loss allowance to noncurrent loans | 1,406.5574% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 4,904 |
| Noncurrent loans to loans | 0.0717% | 4,680 |
| Net loans and leases to total assets | 64.0471% | 3,360 |
| Net loans and leases to deposits | 88.9184% | 1,902 |
| Net loans and leases to core deposits | 106.9934% | 1,212 |
| Total domestic deposits to total assets | 72.0290% | 5,318 |
| Equity capital to assets | 20.8319% | 184 |
| Core capital (leverage) ratio | 20.5128% | 189 |
| Tier 1 risk-based capital ratio | 40.9569% | 202 |
| Total risk-based capital ratio | 42.2072% | 198 |
| Memoranda: | ||
| Average total assets | $131,173,800 | 3,731 |
| Average earning assets | $118,759,400 | 3,767 |
| Average equity | $27,016,000 | 2,545 |
| Average total loans | $88,179,600 | 3,556 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4368% | 1,838 |
| Cost of funding earning assets | 0.9782% | 217 |
| Net interest margin | 3.4586% | 3,642 |
| Noninterest income to average assets | 0.1780% | 5,126 |
| Noninterest expense to average assets | 2.3111% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6260% | 4,293 |
| Return on assets (ROA) | 0.6449% | 4,268 |
| Pretax return on assets | 1.0182% | 3,616 |
| Return on Equity (ROE) | 3.1403% | 5,073 |
| Retained earnings to average equity (ytd only) | 3.1403% | 4,034 |
| Net charge-offs to loans | 0.2578% | 839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.6511% | 3,075 |
| Efficiency ratio | 70.0370% | 2,530 |
| Assets per employee ($millions) | 11.1239% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 4,374 |
| Loan loss allowance to noncurrent loans | 893.7500% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,877 |
| Noncurrent loans to loans | 0.1053% | 4,642 |
| Net loans and leases to total assets | 67.6665% | 2,892 |
| Net loans and leases to deposits | 94.9151% | 1,208 |
| Net loans and leases to core deposits | 114.8441% | 792 |
| Total domestic deposits to total assets | 71.2916% | 5,425 |
| Equity capital to assets | 20.4012% | 214 |
| Core capital (leverage) ratio | 20.3217% | 201 |
| Tier 1 risk-based capital ratio | 39.6915% | 227 |
| Total risk-based capital ratio | 40.9410% | 225 |
| Memoranda: | ||
| Average total assets | $131,074,250 | 3,768 |
| Average earning assets | $118,310,000 | 3,816 |
| Average equity | $26,917,750 | 2,569 |
| Average total loans | $88,943,000 | 3,579 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 1,846 |
| Cost of funding earning assets | 0.9470% | 227 |
| Net interest margin | 3.4438% | 3,618 |
| Noninterest income to average assets | 0.1827% | 5,137 |
| Noninterest expense to average assets | 2.3044% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6220% | 4,201 |
| Return on assets (ROA) | 0.6279% | 4,220 |
| Pretax return on assets | 0.9918% | 3,596 |
| Return on Equity (ROE) | 3.0508% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.0508% | 3,896 |
| Net charge-offs to loans | 0.3900% | 524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.7209% | 3,011 |
| Efficiency ratio | 70.1074% | 2,655 |
| Assets per employee ($millions) | 11.3165% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9664% | 4,340 |
| Loan loss allowance to noncurrent loans | 1,059.2593% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,963 |
| Noncurrent loans to loans | 0.0912% | 4,759 |
| Net loans and leases to total assets | 64.7491% | 3,283 |
| Net loans and leases to deposits | 90.0689% | 1,721 |
| Net loans and leases to core deposits | 109.6769% | 1,020 |
| Total domestic deposits to total assets | 71.8884% | 5,461 |
| Equity capital to assets | 19.9171% | 222 |
| Core capital (leverage) ratio | 20.3857% | 191 |
| Tier 1 risk-based capital ratio | 39.5816% | 218 |
| Total risk-based capital ratio | 40.8321% | 214 |
| Memoranda: | ||
| Average total assets | $130,270,000 | 3,801 |
| Average earning assets | $117,428,670 | 3,849 |
| Average equity | $26,812,670 | 2,574 |
| Average total loans | $88,196,000 | 3,612 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 1,592 |
| Cost of funding earning assets | 0.8935% | 293 |
| Net interest margin | 3.5252% | 3,181 |
| Noninterest income to average assets | 0.1506% | 5,359 |
| Noninterest expense to average assets | 2.2556% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6725% | 3,824 |
| Return on assets (ROA) | 0.6745% | 3,852 |
| Pretax return on assets | 1.0666% | 3,102 |
| Return on Equity (ROE) | 3.2215% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.2215% | 3,819 |
| Net charge-offs to loans | 0.7190% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.1456% | 2,635 |
| Efficiency ratio | 67.9584% | 3,206 |
| Assets per employee ($millions) | 10.7258% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 4,327 |
| Loan loss allowance to noncurrent loans | 279.4872% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 4,254 |
| Noncurrent loans to loans | 0.3558% | 3,820 |
| Net loans and leases to total assets | 67.4592% | 2,752 |
| Net loans and leases to deposits | 95.6592% | 962 |
| Net loans and leases to core deposits | 117.2754% | 549 |
| Total domestic deposits to total assets | 70.5203% | 5,612 |
| Equity capital to assets | 20.8229% | 178 |
| Core capital (leverage) ratio | 21.5184% | 149 |
| Tier 1 risk-based capital ratio | 38.4825% | 244 |
| Total risk-based capital ratio | 39.7330% | 240 |
| Memoranda: | ||
| Average total assets | $127,506,000 | 3,884 |
| Average earning assets | $114,603,000 | 3,937 |
| Average equity | $26,695,500 | 2,595 |
| Average total loans | $87,901,000 | 3,649 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7704% | 935 |
| Cost of funding earning assets | 0.9370% | 241 |
| Net interest margin | 3.8334% | 2,194 |
| Noninterest income to average assets | 0.1602% | 5,411 |
| Noninterest expense to average assets | 2.6766% | 3,430 |
| Loan and lease loss provision to assets | -0.0777% | 5,647 |
| Net operating income to assets | 0.6385% | 4,048 |
| Return on assets (ROA) | 0.6385% | 4,158 |
| Pretax return on assets | 1.0062% | 3,455 |
| Return on Equity (ROE) | 3.0235% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.0235% | 3,746 |
| Net charge-offs to loans | -0.1773% | 5,717 |
| Credit loss provision to net charge-offs | 63.8158% | 3,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2444% | 2,256 |
| Assets per employee ($millions) | 10.5253% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 3,314 |
| Loan loss allowance to noncurrent loans | 179.1304% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 3,439 |
| Noncurrent loans to loans | 0.6526% | 2,902 |
| Net loans and leases to total assets | 68.9406% | 2,631 |
| Net loans and leases to deposits | 98.2721% | 803 |
| Net loans and leases to core deposits | 120.5627% | 470 |
| Total domestic deposits to total assets | 70.1527% | 5,660 |
| Equity capital to assets | 21.0525% | 175 |
| Core capital (leverage) ratio | 21.3812% | 153 |
| Tier 1 risk-based capital ratio | 39.4156% | 229 |
| Total risk-based capital ratio | 40.6698% | 226 |
| Memoranda: | ||
| Average total assets | $124,824,200 | 3,911 |
| Average earning assets | $112,170,800 | 3,965 |
| Average equity | $26,360,000 | 2,609 |
| Average total loans | $85,749,600 | 3,670 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,069 |
| Cost of funding earning assets | 0.9344% | 245 |
| Net interest margin | 3.7626% | 2,482 |
| Noninterest income to average assets | 0.1468% | 5,526 |
| Noninterest expense to average assets | 2.3483% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7446% | 3,629 |
| Return on assets (ROA) | 0.7446% | 3,757 |
| Pretax return on assets | 1.1763% | 2,933 |
| Return on Equity (ROE) | 3.5230% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.5230% | 3,785 |
| Net charge-offs to loans | -0.2709% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6261% | 3,482 |
| Assets per employee ($millions) | 10.5440% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 2,605 |
| Loan loss allowance to noncurrent loans | 186.3636% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4868% | 3,494 |
| Noncurrent loans to loans | 0.7054% | 2,923 |
| Net loans and leases to total assets | 68.1082% | 2,788 |
| Net loans and leases to deposits | 97.3311% | 918 |
| Net loans and leases to core deposits | 119.0490% | 537 |
| Total domestic deposits to total assets | 69.9758% | 5,697 |
| Equity capital to assets | 21.1155% | 194 |
| Core capital (leverage) ratio | 21.4471% | 152 |
| Tier 1 risk-based capital ratio | 39.6485% | 229 |
| Total risk-based capital ratio | 40.9044% | 227 |
| Memoranda: | ||
| Average total assets | $124,454,500 | 3,941 |
| Average earning assets | $111,729,750 | 4,000 |
| Average equity | $26,302,500 | 2,633 |
| Average total loans | $85,161,000 | 3,702 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,098 |
| Cost of funding earning assets | 0.9292% | 249 |
| Net interest margin | 3.7476% | 2,523 |
| Noninterest income to average assets | 0.1438% | 5,590 |
| Noninterest expense to average assets | 2.4127% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6884% | 3,854 |
| Return on assets (ROA) | 0.6884% | 4,004 |
| Pretax return on assets | 1.0876% | 3,251 |
| Return on Equity (ROE) | 3.2563% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.2563% | 3,819 |
| Net charge-offs to loans | -0.0237% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9289% | 3,168 |
| Assets per employee ($millions) | 10.4373% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 3,472 |
| Loan loss allowance to noncurrent loans | 54.5706% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.4411% | 1,346 |
| Noncurrent loans to loans | 2.1602% | 889 |
| Net loans and leases to total assets | 65.9284% | 3,097 |
| Net loans and leases to deposits | 93.2197% | 1,374 |
| Net loans and leases to core deposits | 114.2087% | 716 |
| Total domestic deposits to total assets | 70.7237% | 5,745 |
| Equity capital to assets | 21.0598% | 182 |
| Core capital (leverage) ratio | 21.4279% | 150 |
| Tier 1 risk-based capital ratio | 39.6255% | 237 |
| Total risk-based capital ratio | 40.8784% | 235 |
| Memoranda: | ||
| Average total assets | $123,763,330 | 3,982 |
| Average earning assets | $110,844,670 | 4,041 |
| Average equity | $26,164,330 | 2,654 |
| Average total loans | $84,440,000 | 3,733 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7101% | 1,030 |
| Cost of funding earning assets | 0.9210% | 265 |
| Net interest margin | 3.7891% | 2,328 |
| Noninterest income to average assets | 0.1463% | 5,610 |
| Noninterest expense to average assets | 2.5752% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6145% | 4,113 |
| Return on assets (ROA) | 0.6145% | 4,232 |
| Pretax return on assets | 0.9689% | 3,584 |
| Return on Equity (ROE) | 2.9012% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.9012% | 4,066 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6606% | 2,703 |
| Assets per employee ($millions) | 10.3596% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,888 |
| Loan loss allowance to noncurrent loans | 44.6020% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 1.7584% | 1,070 |
| Noncurrent loans to loans | 2.5323% | 732 |
| Net loans and leases to total assets | 68.6570% | 2,553 |
| Net loans and leases to deposits | 97.2528% | 820 |
| Net loans and leases to core deposits | 119.3153% | 484 |
| Total domestic deposits to total assets | 70.5965% | 5,844 |
| Equity capital to assets | 21.0739% | 178 |
| Core capital (leverage) ratio | 21.5813% | 146 |
| Tier 1 risk-based capital ratio | 38.9985% | 250 |
| Total risk-based capital ratio | 40.2515% | 246 |
| Memoranda: | ||
| Average total assets | $123,021,000 | 4,026 |
| Average earning assets | $110,315,000 | 4,085 |
| Average equity | $26,058,000 | 2,654 |
| Average total loans | $84,880,500 | 3,726 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 1,668 |
| Cost of funding earning assets | 0.8501% | 369 |
| Net interest margin | 3.6280% | 3,024 |
| Noninterest income to average assets | 0.1147% | 5,829 |
| Noninterest expense to average assets | 2.1321% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7821% | 3,412 |
| Return on assets (ROA) | 0.7858% | 3,472 |
| Pretax return on assets | 1.2398% | 2,506 |
| Return on Equity (ROE) | 3.7360% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.7360% | 3,393 |
| Net charge-offs to loans | 0.0280% | 3,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 825 |
| Efficiency ratio | 63.3399% | 4,391 |
| Assets per employee ($millions) | 10.1439% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,657 |
| Loan loss allowance to noncurrent loans | 39.6180% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.0217% | 865 |
| Noncurrent loans to loans | 2.9496% | 549 |
| Net loans and leases to total assets | 67.7417% | 2,741 |
| Net loans and leases to deposits | 92.8165% | 1,320 |
| Net loans and leases to core deposits | 114.1694% | 674 |
| Total domestic deposits to total assets | 72.9846% | 5,726 |
| Equity capital to assets | 21.2919% | 165 |
| Core capital (leverage) ratio | 21.7592% | 139 |
| Tier 1 risk-based capital ratio | 39.9318% | 231 |
| Total risk-based capital ratio | 41.1856% | 229 |
| Memoranda: | ||
| Average total assets | $121,149,400 | 4,049 |
| Average earning assets | $108,573,400 | 4,089 |
| Average equity | $25,481,600 | 2,653 |
| Average total loans | $82,033,200 | 3,775 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 1,805 |
| Cost of funding earning assets | 0.8323% | 418 |
| Net interest margin | 3.5999% | 3,160 |
| Noninterest income to average assets | 0.1025% | 5,958 |
| Noninterest expense to average assets | 2.0770% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7928% | 3,464 |
| Return on assets (ROA) | 0.7977% | 3,531 |
| Pretax return on assets | 1.2594% | 2,561 |
| Return on Equity (ROE) | 3.8046% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.8046% | 3,762 |
| Net charge-offs to loans | 0.0375% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 49.3847% | 1,068 |
| Efficiency ratio | 62.3966% | 4,508 |
| Assets per employee ($millions) | 10.9055% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 3,789 |
| Loan loss allowance to noncurrent loans | 32.7621% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 2.4808% | 705 |
| Noncurrent loans to loans | 3.5874% | 424 |
| Net loans and leases to total assets | 68.3403% | 2,631 |
| Net loans and leases to deposits | 94.1045% | 1,192 |
| Net loans and leases to core deposits | 115.5753% | 610 |
| Total domestic deposits to total assets | 72.6217% | 5,820 |
| Equity capital to assets | 21.4513% | 172 |
| Core capital (leverage) ratio | 21.6850% | 149 |
| Tier 1 risk-based capital ratio | 39.9682% | 249 |
| Total risk-based capital ratio | 41.2219% | 249 |
| Memoranda: | ||
| Average total assets | $121,005,000 | 4,100 |
| Average earning assets | $108,446,000 | 4,134 |
| Average equity | $25,372,500 | 2,687 |
| Average total loans | $81,682,750 | 3,813 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 1,815 |
| Cost of funding earning assets | 0.8133% | 459 |
| Net interest margin | 3.5993% | 3,096 |
| Noninterest income to average assets | 0.0939% | 6,049 |
| Noninterest expense to average assets | 2.0568% | 5,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7985% | 3,397 |
| Return on assets (ROA) | 0.8059% | 3,454 |
| Pretax return on assets | 1.2723% | 2,462 |
| Return on Equity (ROE) | 3.8729% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.8729% | 3,538 |
| Net charge-offs to loans | 0.0468% | 2,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 40.2632% | 1,125 |
| Efficiency ratio | 61.9970% | 4,679 |
| Assets per employee ($millions) | 10.9135% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 3,810 |
| Loan loss allowance to noncurrent loans | 46.5525% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 2.3915% | 817 |
| Noncurrent loans to loans | 2.5707% | 857 |
| Net loans and leases to total assets | 67.3281% | 2,745 |
| Net loans and leases to deposits | 92.2166% | 1,348 |
| Net loans and leases to core deposits | 111.1301% | 778 |
| Total domestic deposits to total assets | 73.0108% | 5,867 |
| Equity capital to assets | 21.2115% | 173 |
| Core capital (leverage) ratio | 21.4173% | 152 |
| Tier 1 risk-based capital ratio | 39.9240% | 260 |
| Total risk-based capital ratio | 41.1768% | 259 |
| Memoranda: | ||
| Average total assets | $121,353,330 | 4,133 |
| Average earning assets | $108,686,670 | 4,175 |
| Average equity | $25,252,330 | 2,702 |
| Average total loans | $81,258,330 | 3,841 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 2,060 |
| Cost of funding earning assets | 0.7825% | 559 |
| Net interest margin | 3.5285% | 3,306 |
| Noninterest income to average assets | 0.1541% | 5,819 |
| Noninterest expense to average assets | 2.0917% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7787% | 3,371 |
| Return on assets (ROA) | 0.7934% | 3,432 |
| Pretax return on assets | 1.2491% | 2,469 |
| Return on Equity (ROE) | 3.8494% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.8494% | 3,692 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0435% | 4,624 |
| Assets per employee ($millions) | 11.0321% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 3,837 |
| Loan loss allowance to noncurrent loans | 41.7748% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 2.6625% | 771 |
| Noncurrent loans to loans | 2.9215% | 763 |
| Net loans and leases to total assets | 66.5620% | 2,679 |
| Net loans and leases to deposits | 90.4161% | 1,348 |
| Net loans and leases to core deposits | 108.3370% | 807 |
| Total domestic deposits to total assets | 73.6175% | 5,934 |
| Equity capital to assets | 20.8433% | 190 |
| Core capital (leverage) ratio | 21.4765% | 149 |
| Tier 1 risk-based capital ratio | 39.4257% | 266 |
| Total risk-based capital ratio | 40.6782% | 265 |
| Memoranda: | ||
| Average total assets | $122,006,000 | 4,147 |
| Average earning assets | $109,393,500 | 4,192 |
| Average equity | $25,146,500 | 2,734 |
| Average total loans | $80,985,000 | 3,861 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 2,636 |
| Cost of funding earning assets | 0.7982% | 657 |
| Net interest margin | 3.4934% | 3,824 |
| Noninterest income to average assets | 0.1220% | 6,080 |
| Noninterest expense to average assets | 2.0667% | 5,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7656% | 3,537 |
| Return on assets (ROA) | 0.7794% | 3,563 |
| Pretax return on assets | 1.2301% | 2,531 |
| Return on Equity (ROE) | 3.8423% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.8423% | 3,480 |
| Net charge-offs to loans | 0.1328% | 2,689 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.8667% | 2,231 |
| Efficiency ratio | 63.1019% | 4,740 |
| Assets per employee ($millions) | 11.1508% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 3,749 |
| Loan loss allowance to noncurrent loans | 56.7045% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 2.0977% | 1,180 |
| Noncurrent loans to loans | 2.1946% | 1,216 |
| Net loans and leases to total assets | 64.5684% | 3,133 |
| Net loans and leases to deposits | 86.9975% | 1,849 |
| Net loans and leases to core deposits | 103.8921% | 1,132 |
| Total domestic deposits to total assets | 74.2188% | 5,930 |
| Equity capital to assets | 20.3809% | 214 |
| Core capital (leverage) ratio | 20.3328% | 200 |
| Tier 1 risk-based capital ratio | 39.2040% | 249 |
| Total risk-based capital ratio | 40.4584% | 248 |
| Memoranda: | ||
| Average total assets | $120,480,000 | 4,171 |
| Average earning assets | $108,749,200 | 4,211 |
| Average equity | $24,438,200 | 2,718 |
| Average total loans | $79,053,400 | 3,901 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 2,670 |
| Cost of funding earning assets | 0.8006% | 681 |
| Net interest margin | 3.4912% | 3,869 |
| Noninterest income to average assets | 0.1267% | 6,132 |
| Noninterest expense to average assets | 2.0288% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7941% | 3,448 |
| Return on assets (ROA) | 0.8126% | 3,468 |
| Pretax return on assets | 1.2829% | 2,444 |
| Return on Equity (ROE) | 4.0112% | 5,165 |
| Retained earnings to average equity (ytd only) | 4.0112% | 3,794 |
| Net charge-offs to loans | 0.1777% | 2,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.7426% | 2,509 |
| Efficiency ratio | 61.8016% | 4,911 |
| Assets per employee ($millions) | 10.8112% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 3,889 |
| Loan loss allowance to noncurrent loans | 53.6848% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 2.2384% | 1,227 |
| Noncurrent loans to loans | 2.3448% | 1,271 |
| Net loans and leases to total assets | 65.8283% | 2,898 |
| Net loans and leases to deposits | 86.2901% | 1,878 |
| Net loans and leases to core deposits | 102.8185% | 1,166 |
| Total domestic deposits to total assets | 76.2872% | 5,777 |
| Equity capital to assets | 20.7975% | 199 |
| Core capital (leverage) ratio | 20.7966% | 182 |
| Tier 1 risk-based capital ratio | 39.5807% | 249 |
| Total risk-based capital ratio | 40.8354% | 248 |
| Memoranda: | ||
| Average total assets | $119,935,250 | 4,219 |
| Average earning assets | $108,421,000 | 4,257 |
| Average equity | $24,298,000 | 2,736 |
| Average total loans | $78,767,500 | 3,935 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 2,267 |
| Cost of funding earning assets | 0.7964% | 724 |
| Net interest margin | 3.5802% | 3,441 |
| Noninterest income to average assets | 0.1430% | 6,104 |
| Noninterest expense to average assets | 2.0686% | 5,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8354% | 3,149 |
| Return on assets (ROA) | 0.8630% | 3,093 |
| Pretax return on assets | 1.3619% | 2,029 |
| Return on Equity (ROE) | 4.2976% | 5,018 |
| Retained earnings to average equity (ytd only) | 4.2976% | 3,439 |
| Net charge-offs to loans | 0.3613% | 1,132 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.5845% | 2,903 |
| Efficiency ratio | 61.0702% | 5,136 |
| Assets per employee ($millions) | 10.8897% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 4,230 |
| Loan loss allowance to noncurrent loans | 48.3400% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.3508% | 1,247 |
| Noncurrent loans to loans | 2.5604% | 1,207 |
| Net loans and leases to total assets | 64.0161% | 3,072 |
| Net loans and leases to deposits | 83.3230% | 2,111 |
| Net loans and leases to core deposits | 98.7229% | 1,392 |
| Total domestic deposits to total assets | 76.8289% | 5,812 |
| Equity capital to assets | 20.4496% | 200 |
| Core capital (leverage) ratio | 20.4705% | 185 |
| Tier 1 risk-based capital ratio | 40.0912% | 238 |
| Total risk-based capital ratio | 41.3453% | 235 |
| Memoranda: | ||
| Average total assets | $120,272,670 | 4,233 |
| Average earning assets | $108,988,330 | 4,268 |
| Average equity | $24,153,000 | 2,740 |
| Average total loans | $78,595,670 | 3,954 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 2,536 |
| Cost of funding earning assets | 0.7848% | 808 |
| Net interest margin | 3.5114% | 3,639 |
| Noninterest income to average assets | 0.1261% | 6,215 |
| Noninterest expense to average assets | 2.0943% | 5,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7757% | 3,274 |
| Return on assets (ROA) | 0.7800% | 3,335 |
| Pretax return on assets | 1.2314% | 2,340 |
| Return on Equity (ROE) | 3.9197% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.9197% | 3,762 |
| Net charge-offs to loans | 0.4907% | 750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.8041% | 2,629 |
| Efficiency ratio | 63.1000% | 4,988 |
| Assets per employee ($millions) | 10.7977% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 4,251 |
| Loan loss allowance to noncurrent loans | 40.4992% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 2.7051% | 1,130 |
| Noncurrent loans to loans | 3.1476% | 986 |
| Net loans and leases to total assets | 65.5955% | 2,626 |
| Net loans and leases to deposits | 85.0186% | 1,721 |
| Net loans and leases to core deposits | 99.2472% | 1,153 |
| Total domestic deposits to total assets | 77.1543% | 5,945 |
| Equity capital to assets | 20.3359% | 197 |
| Core capital (leverage) ratio | 20.4058% | 189 |
| Tier 1 risk-based capital ratio | 38.7935% | 257 |
| Total risk-based capital ratio | 40.0483% | 254 |
| Memoranda: | ||
| Average total assets | $120,515,500 | 4,264 |
| Average earning assets | $109,586,500 | 4,285 |
| Average equity | $23,981,500 | 2,755 |
| Average total loans | $79,071,500 | 3,967 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 2,100 |
| Cost of funding earning assets | 0.9146% | 685 |
| Net interest margin | 3.6128% | 3,405 |
| Noninterest income to average assets | 0.3433% | 4,861 |
| Noninterest expense to average assets | 1.9309% | 6,138 |
| Loan and lease loss provision to assets | 0.1919% | 1,925 |
| Net operating income to assets | 0.9538% | 2,553 |
| Return on assets (ROA) | 0.9448% | 2,660 |
| Pretax return on assets | 1.4908% | 1,472 |
| Return on Equity (ROE) | 4.8866% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.8866% | 2,677 |
| Net charge-offs to loans | 0.2197% | 2,708 |
| Credit loss provision to net charge-offs | 138.0952% | 1,692 |
| Earnings coverage of net charge-offs (x) | 12.2083% | 2,151 |
| Efficiency ratio | 53.2269% | 6,201 |
| Assets per employee ($millions) | 11.1142% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3922% | 3,696 |
| Loan loss allowance to noncurrent loans | 53.8837% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 2.2191% | 1,607 |
| Noncurrent loans to loans | 2.5837% | 1,448 |
| Net loans and leases to total assets | 63.9012% | 3,059 |
| Net loans and leases to deposits | 83.3988% | 2,011 |
| Net loans and leases to core deposits | 97.7087% | 1,326 |
| Total domestic deposits to total assets | 76.6212% | 6,038 |
| Equity capital to assets | 19.4747% | 235 |
| Core capital (leverage) ratio | 19.6326% | 215 |
| Tier 1 risk-based capital ratio | 39.7450% | 233 |
| Total risk-based capital ratio | 41.0002% | 232 |
| Memoranda: | ||
| Average total assets | $120,873,400 | 4,260 |
| Average earning assets | $109,885,600 | 4,266 |
| Average equity | $23,369,800 | 2,784 |
| Average total loans | $76,477,200 | 4,042 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 2,052 |
| Cost of funding earning assets | 0.9495% | 646 |
| Net interest margin | 3.5972% | 3,456 |
| Noninterest income to average assets | 0.4071% | 4,480 |
| Noninterest expense to average assets | 1.8629% | 6,237 |
| Loan and lease loss provision to assets | 0.2566% | 1,386 |
| Net operating income to assets | 0.9867% | 2,436 |
| Return on assets (ROA) | 0.9867% | 2,533 |
| Pretax return on assets | 1.5564% | 1,457 |
| Return on Equity (ROE) | 5.1131% | 4,665 |
| Retained earnings to average equity (ytd only) | 5.1131% | 2,994 |
| Net charge-offs to loans | 0.2656% | 2,226 |
| Credit loss provision to net charge-offs | 153.6424% | 1,535 |
| Earnings coverage of net charge-offs (x) | 10.8542% | 2,308 |
| Efficiency ratio | 50.6771% | 6,356 |
| Assets per employee ($millions) | 11.0342% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,605 |
| Loan loss allowance to noncurrent loans | 51.7799% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.3473% | 1,676 |
| Noncurrent loans to loans | 2.8350% | 1,464 |
| Net loans and leases to total assets | 61.9365% | 3,374 |
| Net loans and leases to deposits | 79.9328% | 2,420 |
| Net loans and leases to core deposits | 93.0235% | 1,669 |
| Total domestic deposits to total assets | 77.4857% | 5,977 |
| Equity capital to assets | 19.4379% | 233 |
| Core capital (leverage) ratio | 19.5681% | 213 |
| Tier 1 risk-based capital ratio | 40.4534% | 236 |
| Total risk-based capital ratio | 41.7104% | 231 |
| Memoranda: | ||
| Average total assets | $120,527,750 | 4,312 |
| Average earning assets | $109,527,750 | 4,319 |
| Average equity | $23,260,000 | 2,818 |
| Average total loans | $75,790,000 | 4,094 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6941% | 1,585 |
| Cost of funding earning assets | 0.9879% | 573 |
| Net interest margin | 3.7062% | 2,936 |
| Noninterest income to average assets | 0.5738% | 3,358 |
| Noninterest expense to average assets | 1.8695% | 6,272 |
| Loan and lease loss provision to assets | 0.3859% | 825 |
| Net operating income to assets | 1.0662% | 2,052 |
| Return on assets (ROA) | 1.0662% | 2,171 |
| Pretax return on assets | 1.6816% | 1,152 |
| Return on Equity (ROE) | 5.5380% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.5380% | 2,718 |
| Net charge-offs to loans | 0.4020% | 1,607 |
| Credit loss provision to net charge-offs | 152.6316% | 1,513 |
| Earnings coverage of net charge-offs (x) | 8.1776% | 2,446 |
| Efficiency ratio | 47.4863% | 6,567 |
| Assets per employee ($millions) | 11.9943% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 3,717 |
| Loan loss allowance to noncurrent loans | 47.9640% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.5229% | 1,676 |
| Noncurrent loans to loans | 3.0680% | 1,450 |
| Net loans and leases to total assets | 62.4663% | 3,207 |
| Net loans and leases to deposits | 79.7463% | 2,359 |
| Net loans and leases to core deposits | 92.1280% | 1,699 |
| Total domestic deposits to total assets | 78.3314% | 5,915 |
| Equity capital to assets | 19.5143% | 230 |
| Core capital (leverage) ratio | 19.5935% | 211 |
| Tier 1 risk-based capital ratio | 40.2483% | 224 |
| Total risk-based capital ratio | 41.5054% | 222 |
| Memoranda: | ||
| Average total assets | $120,245,000 | 4,342 |
| Average earning assets | $109,115,330 | 4,358 |
| Average equity | $23,149,000 | 2,848 |
| Average total loans | $75,621,330 | 4,117 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 1,307 |
| Cost of funding earning assets | 1.0344% | 512 |
| Net interest margin | 3.7561% | 2,629 |
| Noninterest income to average assets | 0.9436% | 1,631 |
| Noninterest expense to average assets | 1.9104% | 6,261 |
| Loan and lease loss provision to assets | 0.7575% | 292 |
| Net operating income to assets | 1.0632% | 1,983 |
| Return on assets (ROA) | 1.0632% | 2,098 |
| Pretax return on assets | 1.6778% | 1,132 |
| Return on Equity (ROE) | 5.5603% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.5603% | 2,924 |
| Net charge-offs to loans | 0.6577% | 932 |
| Credit loss provision to net charge-offs | 183.8710% | 1,169 |
| Earnings coverage of net charge-offs (x) | 5.9113% | 2,308 |
| Efficiency ratio | 43.9602% | 6,776 |
| Assets per employee ($millions) | 12.0022% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 3,771 |
| Loan loss allowance to noncurrent loans | 28.3412% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 4.1776% | 926 |
| Noncurrent loans to loans | 5.3349% | 697 |
| Net loans and leases to total assets | 62.0336% | 3,056 |
| Net loans and leases to deposits | 78.7706% | 2,246 |
| Net loans and leases to core deposits | 90.3831% | 1,666 |
| Total domestic deposits to total assets | 78.7522% | 6,004 |
| Equity capital to assets | 19.3148% | 246 |
| Core capital (leverage) ratio | 19.3131% | 223 |
| Tier 1 risk-based capital ratio | 39.1561% | 249 |
| Total risk-based capital ratio | 40.4280% | 243 |
| Memoranda: | ||
| Average total assets | $120,396,000 | 4,393 |
| Average earning assets | $109,050,500 | 4,394 |
| Average equity | $23,020,500 | 2,918 |
| Average total loans | $75,410,500 | 4,151 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 3,022 |
| Cost of funding earning assets | 1.3360% | 323 |
| Net interest margin | 3.2591% | 5,400 |
| Noninterest income to average assets | -0.1020% | 6,918 |
| Noninterest expense to average assets | 1.9412% | 6,434 |
| Loan and lease loss provision to assets | 0.3698% | 1,772 |
| Net operating income to assets | 0.3428% | 5,322 |
| Return on assets (ROA) | 0.4644% | 5,072 |
| Pretax return on assets | 0.7322% | 4,551 |
| Return on Equity (ROE) | 2.4671% | 5,762 |
| Retained earnings to average equity (ytd only) | 2.4671% | 4,501 |
| Net charge-offs to loans | 0.8267% | 1,408 |
| Credit loss provision to net charge-offs | 69.7966% | 4,172 |
| Earnings coverage of net charge-offs (x) | 1.7214% | 4,574 |
| Efficiency ratio | 68.0325% | 4,139 |
| Assets per employee ($millions) | 15.0963% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 4,259 |
| Loan loss allowance to noncurrent loans | 24.3954% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 4.3910% | 953 |
| Noncurrent loans to loans | 5.6618% | 641 |
| Net loans and leases to total assets | 61.4267% | 3,351 |
| Net loans and leases to deposits | 77.6270% | 2,583 |
| Net loans and leases to core deposits | 89.0737% | 1,956 |
| Total domestic deposits to total assets | 79.1306% | 5,862 |
| Equity capital to assets | 18.9277% | 273 |
| Core capital (leverage) ratio | 18.9285% | 237 |
| Tier 1 risk-based capital ratio | 37.9715% | 275 |
| Total risk-based capital ratio | 39.2273% | 270 |
| Memoranda: | ||
| Average total assets | $120,593,200 | 4,352 |
| Average earning assets | $109,356,000 | 4,357 |
| Average equity | $22,698,800 | 2,887 |
| Average total loans | $77,295,200 | 4,112 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 3,301 |
| Cost of funding earning assets | 1.3911% | 304 |
| Net interest margin | 3.1853% | 5,732 |
| Noninterest income to average assets | 0.1814% | 6,218 |
| Noninterest expense to average assets | 1.7862% | 6,691 |
| Loan and lease loss provision to assets | 0.3053% | 2,165 |
| Net operating income to assets | 0.6210% | 4,293 |
| Return on assets (ROA) | 0.7831% | 3,780 |
| Pretax return on assets | 1.2354% | 2,849 |
| Return on Equity (ROE) | 4.1661% | 5,222 |
| Retained earnings to average equity (ytd only) | 4.1661% | 3,965 |
| Net charge-offs to loans | 0.4609% | 2,257 |
| Credit loss provision to net charge-offs | 102.6022% | 2,867 |
| Earnings coverage of net charge-offs (x) | 4.3271% | 3,336 |
| Efficiency ratio | 58.1144% | 5,774 |
| Assets per employee ($millions) | 13.5174% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 3,451 |
| Loan loss allowance to noncurrent loans | 17.7228% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 6.9178% | 525 |
| Noncurrent loans to loans | 9.1343% | 298 |
| Net loans and leases to total assets | 61.8929% | 3,403 |
| Net loans and leases to deposits | 79.1650% | 2,516 |
| Net loans and leases to core deposits | 91.0968% | 1,863 |
| Total domestic deposits to total assets | 78.1821% | 6,038 |
| Equity capital to assets | 18.9278% | 303 |
| Core capital (leverage) ratio | 18.9122% | 252 |
| Tier 1 risk-based capital ratio | 37.5353% | 302 |
| Total risk-based capital ratio | 38.8094% | 296 |
| Memoranda: | ||
| Average total assets | $120,549,000 | 4,388 |
| Average earning assets | $109,456,750 | 4,404 |
| Average equity | $22,658,750 | 2,913 |
| Average total loans | $77,813,000 | 4,141 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 3,185 |
| Cost of funding earning assets | 1.5380% | 203 |
| Net interest margin | 3.1016% | 6,005 |
| Noninterest income to average assets | 0.2430% | 5,835 |
| Noninterest expense to average assets | 1.7857% | 6,769 |
| Loan and lease loss provision to assets | 0.3412% | 1,931 |
| Net operating income to assets | 0.5887% | 4,415 |
| Return on assets (ROA) | 0.8188% | 3,566 |
| Pretax return on assets | 1.2914% | 2,590 |
| Return on Equity (ROE) | 4.3663% | 5,104 |
| Retained earnings to average equity (ytd only) | 4.3663% | 3,707 |
| Net charge-offs to loans | 0.6237% | 1,762 |
| Credit loss provision to net charge-offs | 84.0164% | 3,211 |
| Earnings coverage of net charge-offs (x) | 3.1352% | 3,491 |
| Efficiency ratio | 58.3787% | 5,819 |
| Assets per employee ($millions) | 13.4172% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 3,864 |
| Loan loss allowance to noncurrent loans | 17.3244% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 7.1152% | 548 |
| Noncurrent loans to loans | 8.8454% | 356 |
| Net loans and leases to total assets | 63.5353% | 3,139 |
| Net loans and leases to deposits | 80.0246% | 2,375 |
| Net loans and leases to core deposits | 91.0723% | 1,868 |
| Total domestic deposits to total assets | 79.3946% | 5,883 |
| Equity capital to assets | 18.8713% | 286 |
| Core capital (leverage) ratio | 18.8746% | 252 |
| Tier 1 risk-based capital ratio | 37.0915% | 302 |
| Total risk-based capital ratio | 38.3495% | 292 |
| Memoranda: | ||
| Average total assets | $120,179,670 | 4,418 |
| Average earning assets | $109,104,670 | 4,430 |
| Average equity | $22,536,000 | 2,916 |
| Average total loans | $78,238,670 | 4,147 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 3,361 |
| Cost of funding earning assets | 1.4623% | 336 |
| Net interest margin | 3.1670% | 5,855 |
| Noninterest income to average assets | 0.1568% | 6,449 |
| Noninterest expense to average assets | 1.8116% | 6,782 |
| Loan and lease loss provision to assets | 0.1034% | 4,041 |
| Net operating income to assets | 0.7106% | 3,833 |
| Return on assets (ROA) | 0.7106% | 4,053 |
| Pretax return on assets | 1.1177% | 3,255 |
| Return on Equity (ROE) | 3.8019% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.8019% | 4,304 |
| Net charge-offs to loans | 0.4184% | 2,052 |
| Credit loss provision to net charge-offs | 37.8049% | 3,484 |
| Earnings coverage of net charge-offs (x) | 4.4634% | 2,567 |
| Efficiency ratio | 59.7360% | 5,657 |
| Assets per employee ($millions) | 12.0300% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 4,180 |
| Loan loss allowance to noncurrent loans | 18.7411% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 6.6284% | 670 |
| Noncurrent loans to loans | 7.9795% | 488 |
| Net loans and leases to total assets | 64.7199% | 2,709 |
| Net loans and leases to deposits | 81.2765% | 2,022 |
| Net loans and leases to core deposits | 93.1037% | 1,536 |
| Total domestic deposits to total assets | 79.6293% | 5,939 |
| Equity capital to assets | 18.7149% | 298 |
| Core capital (leverage) ratio | 18.7140% | 253 |
| Tier 1 risk-based capital ratio | 33.8129% | 371 |
| Total risk-based capital ratio | 35.0701% | 367 |
| Memoranda: | ||
| Average total assets | $119,892,000 | 4,453 |
| Average earning assets | $108,873,000 | 4,460 |
| Average equity | $22,410,000 | 2,927 |
| Average total loans | $78,400,000 | 4,167 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 2,124 |
| Cost of funding earning assets | 1.7004% | 320 |
| Net interest margin | 3.4861% | 5,198 |
| Noninterest income to average assets | 0.2053% | 6,038 |
| Noninterest expense to average assets | 1.8526% | 6,893 |
| Loan and lease loss provision to assets | 0.7084% | 1,441 |
| Net operating income to assets | 0.5039% | 4,411 |
| Return on assets (ROA) | 0.5039% | 4,617 |
| Pretax return on assets | 0.8077% | 3,955 |
| Return on Equity (ROE) | 2.7234% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.7234% | 4,296 |
| Net charge-offs to loans | 1.3993% | 1,165 |
| Credit loss provision to net charge-offs | 75.8559% | 4,643 |
| Earnings coverage of net charge-offs (x) | 1.6234% | 4,555 |
| Efficiency ratio | 54.9950% | 6,423 |
| Assets per employee ($millions) | 11.9484% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,766 |
| Loan loss allowance to noncurrent loans | 50.7757% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 2.4455% | 2,492 |
| Noncurrent loans to loans | 3.0671% | 2,114 |
| Net loans and leases to total assets | 64.0663% | 3,179 |
| Net loans and leases to deposits | 80.3909% | 2,448 |
| Net loans and leases to core deposits | 80.3909% | 3,406 |
| Total domestic deposits to total assets | 79.6935% | 5,819 |
| Equity capital to assets | 18.6686% | 299 |
| Core capital (leverage) ratio | 18.6657% | 264 |
| Tier 1 risk-based capital ratio | 31.5165% | 448 |
| Total risk-based capital ratio | 32.7685% | 439 |
| Memoranda: | ||
| Average total assets | $118,861,600 | 4,433 |
| Average earning assets | $107,858,400 | 4,451 |
| Average equity | $21,994,400 | 2,893 |
| Average total loans | $79,326,600 | 4,160 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 2,349 |
| Cost of funding earning assets | 1.7572% | 310 |
| Net interest margin | 3.4017% | 5,562 |
| Noninterest income to average assets | 0.2100% | 6,111 |
| Noninterest expense to average assets | 1.8802% | 6,873 |
| Loan and lease loss provision to assets | 0.8121% | 1,144 |
| Net operating income to assets | 0.3482% | 5,211 |
| Return on assets (ROA) | 0.3482% | 5,392 |
| Pretax return on assets | 0.6032% | 4,798 |
| Return on Equity (ROE) | 1.8859% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.8859% | 5,198 |
| Net charge-offs to loans | 0.5436% | 2,607 |
| Credit loss provision to net charge-offs | 222.4615% | 1,282 |
| Earnings coverage of net charge-offs (x) | 3.8770% | 3,262 |
| Efficiency ratio | 57.0552% | 6,135 |
| Assets per employee ($millions) | 11.9323% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3514% | 1,616 |
| Loan loss allowance to noncurrent loans | 67.6956% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.8444% | 2,279 |
| Noncurrent loans to loans | 3.4735% | 1,977 |
| Net loans and leases to total assets | 65.6386% | 2,979 |
| Net loans and leases to deposits | 82.1511% | 2,330 |
| Net loans and leases to core deposits | 82.1511% | 3,304 |
| Total domestic deposits to total assets | 79.8999% | 5,766 |
| Equity capital to assets | 18.4516% | 351 |
| Core capital (leverage) ratio | 18.4508% | 291 |
| Tier 1 risk-based capital ratio | 28.1430% | 644 |
| Total risk-based capital ratio | 29.3957% | 633 |
| Memoranda: | ||
| Average total assets | $118,706,000 | 4,468 |
| Average earning assets | $107,670,250 | 4,488 |
| Average equity | $21,916,500 | 2,895 |
| Average total loans | $79,718,250 | 4,183 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 2,930 |
| Cost of funding earning assets | 1.8122% | 292 |
| Net interest margin | 3.2375% | 6,038 |
| Noninterest income to average assets | 0.1586% | 6,524 |
| Noninterest expense to average assets | 1.8430% | 7,026 |
| Loan and lease loss provision to assets | 0.2211% | 3,707 |
| Net operating income to assets | 0.6481% | 3,808 |
| Return on assets (ROA) | 0.6481% | 3,935 |
| Pretax return on assets | 1.0312% | 3,114 |
| Return on Equity (ROE) | 3.5096% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.5096% | 4,015 |
| Net charge-offs to loans | 0.4274% | 2,855 |
| Credit loss provision to net charge-offs | 77.0588% | 3,851 |
| Earnings coverage of net charge-offs (x) | 4.3647% | 2,876 |
| Efficiency ratio | 59.5420% | 5,939 |
| Assets per employee ($millions) | 11.9529% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7975% | 3,003 |
| Loan loss allowance to noncurrent loans | 39.7640% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 3.6560% | 1,791 |
| Noncurrent loans to loans | 4.5204% | 1,465 |
| Net loans and leases to total assets | 66.2300% | 2,988 |
| Net loans and leases to deposits | 82.8361% | 2,310 |
| Net loans and leases to core deposits | 82.8361% | 3,386 |
| Total domestic deposits to total assets | 79.9530% | 5,839 |
| Equity capital to assets | 18.4800% | 346 |
| Core capital (leverage) ratio | 18.4792% | 301 |
| Tier 1 risk-based capital ratio | 29.2688% | 579 |
| Total risk-based capital ratio | 30.5184% | 565 |
| Memoranda: | ||
| Average total assets | $118,500,330 | 4,504 |
| Average earning assets | $107,491,000 | 4,521 |
| Average equity | $21,883,000 | 2,891 |
| Average total loans | $79,555,000 | 4,235 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9488% | 3,335 |
| Cost of funding earning assets | 1.8750% | 283 |
| Net interest margin | 3.0739% | 6,410 |
| Noninterest income to average assets | 0.2339% | 6,042 |
| Noninterest expense to average assets | 1.7867% | 7,158 |
| Loan and lease loss provision to assets | 0.4441% | 1,984 |
| Net operating income to assets | 0.5085% | 4,460 |
| Return on assets (ROA) | 0.5085% | 4,541 |
| Pretax return on assets | 0.7933% | 3,925 |
| Return on Equity (ROE) | 2.7548% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.7548% | 4,512 |
| Net charge-offs to loans | 0.2379% | 3,126 |
| Credit loss provision to net charge-offs | 278.7234% | 1,141 |
| Earnings coverage of net charge-offs (x) | 7.7660% | 1,898 |
| Efficiency ratio | 59.0807% | 6,120 |
| Assets per employee ($millions) | 11.9430% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9623% | 2,507 |
| Loan loss allowance to noncurrent loans | 39.6869% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 3.6339% | 1,871 |
| Noncurrent loans to loans | 4.9444% | 1,371 |
| Net loans and leases to total assets | 65.7615% | 3,072 |
| Net loans and leases to deposits | 82.0114% | 2,363 |
| Net loans and leases to core deposits | 82.0114% | 3,454 |
| Total domestic deposits to total assets | 80.1859% | 5,897 |
| Equity capital to assets | 18.3019% | 352 |
| Core capital (leverage) ratio | 18.2990% | 316 |
| Tier 1 risk-based capital ratio | 28.5326% | 602 |
| Total risk-based capital ratio | 29.7834% | 590 |
| Memoranda: | ||
| Average total assets | $117,986,000 | 4,540 |
| Average earning assets | $107,096,000 | 4,554 |
| Average equity | $21,780,000 | 2,896 |
| Average total loans | $79,026,000 | 4,290 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4712% | 2,394 |
| Cost of funding earning assets | 2.2483% | 259 |
| Net interest margin | 3.2229% | 6,214 |
| Noninterest income to average assets | 0.1857% | 6,425 |
| Noninterest expense to average assets | 1.7342% | 7,322 |
| Loan and lease loss provision to assets | 0.9897% | 1,641 |
| Net operating income to assets | 0.1758% | 5,359 |
| Return on assets (ROA) | 0.1758% | 5,522 |
| Pretax return on assets | 0.3443% | 5,100 |
| Return on Equity (ROE) | 0.9011% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.9011% | 5,098 |
| Net charge-offs to loans | 1.0832% | 2,054 |
| Credit loss provision to net charge-offs | 131.1828% | 3,021 |
| Earnings coverage of net charge-offs (x) | 1.7682% | 4,391 |
| Efficiency ratio | 56.5217% | 6,524 |
| Assets per employee ($millions) | 12.9491% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 2,537 |
| Loan loss allowance to noncurrent loans | 44.9547% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 3.3670% | 2,080 |
| Noncurrent loans to loans | 4.2468% | 1,708 |
| Net loans and leases to total assets | 65.6012% | 3,546 |
| Net loans and leases to deposits | 82.0646% | 2,785 |
| Net loans and leases to core deposits | 86.8281% | 3,213 |
| Total domestic deposits to total assets | 79.9386% | 5,854 |
| Equity capital to assets | 18.6216% | 343 |
| Core capital (leverage) ratio | 18.6187% | 298 |
| Tier 1 risk-based capital ratio | 28.8722% | 548 |
| Total risk-based capital ratio | 30.1083% | 542 |
| Memoranda: | ||
| Average total assets | $110,946,000 | 4,687 |
| Average earning assets | $99,228,600 | 4,743 |
| Average equity | $21,639,800 | 2,925 |
| Average total loans | $77,272,800 | 4,413 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5280% | 2,328 |
| Cost of funding earning assets | 2.3112% | 263 |
| Net interest margin | 3.2168% | 6,283 |
| Noninterest income to average assets | 0.1838% | 6,566 |
| Noninterest expense to average assets | 1.7392% | 7,399 |
| Loan and lease loss provision to assets | 0.9883% | 1,507 |
| Net operating income to assets | 0.1388% | 5,665 |
| Return on assets (ROA) | 0.1388% | 5,827 |
| Pretax return on assets | 0.3225% | 5,441 |
| Return on Equity (ROE) | 0.7029% | 5,967 |
| Retained earnings to average equity (ytd only) | 0.7029% | 5,520 |
| Net charge-offs to loans | 1.0877% | 1,870 |
| Credit loss provision to net charge-offs | 129.0938% | 3,144 |
| Earnings coverage of net charge-offs (x) | 1.7122% | 4,418 |
| Efficiency ratio | 57.0231% | 6,409 |
| Assets per employee ($millions) | 12.7660% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8397% | 2,664 |
| Loan loss allowance to noncurrent loans | 36.1168% | 5,925 |
| Noncurrent assets plus other real estate owned to assets | 4.2021% | 1,632 |
| Noncurrent loans to loans | 5.0937% | 1,348 |
| Net loans and leases to total assets | 65.4804% | 3,805 |
| Net loans and leases to deposits | 82.2929% | 3,047 |
| Net loans and leases to core deposits | 87.2257% | 3,485 |
| Total domestic deposits to total assets | 79.5699% | 5,844 |
| Equity capital to assets | 18.8139% | 362 |
| Core capital (leverage) ratio | 18.8179% | 310 |
| Tier 1 risk-based capital ratio | 30.1109% | 504 |
| Total risk-based capital ratio | 31.3656% | 494 |
| Memoranda: | ||
| Average total assets | $109,547,000 | 4,784 |
| Average earning assets | $97,610,000 | 4,849 |
| Average equity | $21,624,250 | 2,966 |
| Average total loans | $77,105,750 | 4,496 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5563% | 2,307 |
| Cost of funding earning assets | 2.3723% | 262 |
| Net interest margin | 3.1840% | 6,367 |
| Noninterest income to average assets | 0.1856% | 6,575 |
| Noninterest expense to average assets | 1.8837% | 7,289 |
| Loan and lease loss provision to assets | 0.5920% | 2,415 |
| Net operating income to assets | 0.3415% | 5,008 |
| Return on assets (ROA) | 0.3415% | 5,180 |
| Pretax return on assets | 0.5345% | 4,797 |
| Return on Equity (ROE) | 1.7016% | 5,732 |
| Retained earnings to average equity (ytd only) | 1.7016% | 5,024 |
| Net charge-offs to loans | 0.9837% | 1,879 |
| Credit loss provision to net charge-offs | 83.9474% | 4,592 |
| Earnings coverage of net charge-offs (x) | 1.5974% | 4,295 |
| Efficiency ratio | 62.5771% | 5,597 |
| Assets per employee ($millions) | 12.5836% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 3,871 |
| Loan loss allowance to noncurrent loans | 32.0594% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 4.1960% | 1,607 |
| Noncurrent loans to loans | 4.7077% | 1,510 |
| Net loans and leases to total assets | 67.1865% | 3,574 |
| Net loans and leases to deposits | 85.8968% | 2,516 |
| Net loans and leases to core deposits | 91.1946% | 3,094 |
| Total domestic deposits to total assets | 78.2176% | 6,219 |
| Equity capital to assets | 19.1476% | 334 |
| Core capital (leverage) ratio | 19.1510% | 282 |
| Tier 1 risk-based capital ratio | 29.9988% | 508 |
| Total risk-based capital ratio | 31.2573% | 498 |
| Memoranda: | ||
| Average total assets | $107,764,670 | 4,867 |
| Average earning assets | $95,604,000 | 4,942 |
| Average equity | $21,627,000 | 2,959 |
| Average total loans | $77,260,000 | 4,533 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 1,720 |
| Cost of funding earning assets | 2.4227% | 276 |
| Net interest margin | 3.2922% | 6,002 |
| Noninterest income to average assets | 0.1904% | 6,603 |
| Noninterest expense to average assets | 2.0453% | 7,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7046% | 3,421 |
| Return on assets (ROA) | 0.7046% | 3,530 |
| Pretax return on assets | 1.0436% | 2,925 |
| Return on Equity (ROE) | 3.4262% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.4262% | 4,104 |
| Net charge-offs to loans | 0.5488% | 2,433 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.5849% | 3,244 |
| Efficiency ratio | 66.2145% | 5,070 |
| Assets per employee ($millions) | 11.9720% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 4,177 |
| Loan loss allowance to noncurrent loans | 36.1380% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 4.2414% | 1,606 |
| Noncurrent loans to loans | 4.0049% | 1,958 |
| Net loans and leases to total assets | 70.8449% | 2,731 |
| Net loans and leases to deposits | 90.5450% | 1,825 |
| Net loans and leases to core deposits | 95.5035% | 2,640 |
| Total domestic deposits to total assets | 78.2428% | 6,255 |
| Equity capital to assets | 20.1303% | 284 |
| Core capital (leverage) ratio | 20.1286% | 243 |
| Tier 1 risk-based capital ratio | 35.9394% | 332 |
| Total risk-based capital ratio | 37.1972% | 324 |
| Memoranda: | ||
| Average total assets | $105,021,000 | 5,008 |
| Average earning assets | $92,460,000 | 5,090 |
| Average equity | $21,598,000 | 2,991 |
| Average total loans | $77,262,000 | 4,595 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6429% | 3,382 |
| Cost of funding earning assets | 2.7364% | 535 |
| Net interest margin | 2.9065% | 6,853 |
| Noninterest income to average assets | 0.6035% | 3,606 |
| Noninterest expense to average assets | 1.9598% | 7,427 |
| Loan and lease loss provision to assets | 1.2388% | 1,859 |
| Net operating income to assets | 0.2270% | 4,811 |
| Return on assets (ROA) | 0.2270% | 4,878 |
| Pretax return on assets | 0.0070% | 5,427 |
| Return on Equity (ROE) | 1.0592% | 5,215 |
| Retained earnings to average equity (ytd only) | 1.0592% | 4,301 |
| Net charge-offs to loans | 1.5929% | 1,582 |
| Credit loss provision to net charge-offs | 100.8104% | 5,474 |
| Earnings coverage of net charge-offs (x) | 1.0138% | 5,103 |
| Efficiency ratio | 61.1370% | 6,311 |
| Assets per employee ($millions) | 11.3660% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 3,317 |
| Loan loss allowance to noncurrent loans | 28.9728% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 5.7325% | 1,002 |
| Noncurrent loans to loans | 5.4951% | 1,178 |
| Net loans and leases to total assets | 74.1412% | 2,238 |
| Net loans and leases to deposits | 95.9406% | 1,338 |
| Net loans and leases to core deposits | 138.1810% | 873 |
| Total domestic deposits to total assets | 77.2782% | 6,388 |
| Equity capital to assets | 21.0237% | 248 |
| Core capital (leverage) ratio | 21.0212% | 237 |
| Tier 1 risk-based capital ratio | 36.2351% | 318 |
| Total risk-based capital ratio | 37.4720% | 314 |
| Memoranda: | ||
| Average total assets | $100,420,400 | 5,081 |
| Average earning assets | $89,900,400 | 5,122 |
| Average equity | $21,525,400 | 3,009 |
| Average total loans | $77,469,600 | 4,604 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6503% | 3,574 |
| Cost of funding earning assets | 2.7881% | 612 |
| Net interest margin | 2.8622% | 6,932 |
| Noninterest income to average assets | 0.7443% | 2,736 |
| Noninterest expense to average assets | 1.8168% | 7,645 |
| Loan and lease loss provision to assets | 0.7417% | 2,518 |
| Net operating income to assets | 0.5189% | 3,903 |
| Return on assets (ROA) | 0.5189% | 3,997 |
| Pretax return on assets | 0.7617% | 3,662 |
| Return on Equity (ROE) | 2.4089% | 5,023 |
| Retained earnings to average equity (ytd only) | 2.4089% | 3,974 |
| Net charge-offs to loans | 1.4765% | 1,392 |
| Credit loss provision to net charge-offs | 64.7264% | 6,086 |
| Earnings coverage of net charge-offs (x) | 1.3120% | 4,799 |
| Efficiency ratio | 54.7208% | 7,153 |
| Assets per employee ($millions) | 10.2414% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,249 |
| Loan loss allowance to noncurrent loans | 14.6267% | 7,344 |
| Noncurrent assets plus other real estate owned to assets | 6.9492% | 695 |
| Noncurrent loans to loans | 8.0484% | 603 |
| Net loans and leases to total assets | 74.8364% | 2,282 |
| Net loans and leases to deposits | 99.6891% | 1,130 |
| Net loans and leases to core deposits | 143.4644% | 780 |
| Total domestic deposits to total assets | 75.0698% | 6,765 |
| Equity capital to assets | 21.1602% | 277 |
| Core capital (leverage) ratio | 21.1561% | 256 |
| Tier 1 risk-based capital ratio | 35.3679% | 374 |
| Total risk-based capital ratio | 36.6232% | 369 |
| Memoranda: | ||
| Average total assets | $99,952,000 | 5,124 |
| Average earning assets | $89,952,250 | 5,167 |
| Average equity | $21,530,250 | 3,026 |
| Average total loans | $77,569,750 | 4,645 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6793% | 3,665 |
| Cost of funding earning assets | 2.9024% | 604 |
| Net interest margin | 2.7768% | 7,058 |
| Noninterest income to average assets | 0.2320% | 6,623 |
| Noninterest expense to average assets | 1.8178% | 7,723 |
| Loan and lease loss provision to assets | 0.4600% | 3,226 |
| Net operating income to assets | 0.3087% | 4,857 |
| Return on assets (ROA) | 0.3087% | 4,969 |
| Pretax return on assets | 0.4519% | 4,781 |
| Return on Equity (ROE) | 1.4244% | 5,482 |
| Retained earnings to average equity (ytd only) | 1.4244% | 4,533 |
| Net charge-offs to loans | 1.8872% | 998 |
| Credit loss provision to net charge-offs | 31.1475% | 6,017 |
| Earnings coverage of net charge-offs (x) | 0.6175% | 5,092 |
| Efficiency ratio | 66.5928% | 5,440 |
| Assets per employee ($millions) | 11.2887% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 6,652 |
| Loan loss allowance to noncurrent loans | 13.5243% | 7,413 |
| Noncurrent assets plus other real estate owned to assets | 6.1143% | 786 |
| Noncurrent loans to loans | 6.8708% | 722 |
| Net loans and leases to total assets | 74.8223% | 2,489 |
| Net loans and leases to deposits | 101.2939% | 1,141 |
| Net loans and leases to core deposits | 142.8453% | 897 |
| Total domestic deposits to total assets | 73.8666% | 6,965 |
| Equity capital to assets | 21.0939% | 327 |
| Core capital (leverage) ratio | 21.0922% | 312 |
| Tier 1 risk-based capital ratio | 33.9040% | 451 |
| Total risk-based capital ratio | 35.0320% | 441 |
| Memoranda: | ||
| Average total assets | $99,131,330 | 5,187 |
| Average earning assets | $89,166,670 | 5,229 |
| Average equity | $21,483,330 | 3,038 |
| Average total loans | $77,574,330 | 4,673 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6290% | 4,185 |
| Cost of funding earning assets | 3.0608% | 507 |
| Net interest margin | 2.5682% | 7,414 |
| Noninterest income to average assets | 0.2738% | 6,240 |
| Noninterest expense to average assets | 1.5935% | 7,913 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6701% | 3,707 |
| Return on assets (ROA) | 0.6701% | 3,884 |
| Pretax return on assets | 0.9806% | 3,416 |
| Return on Equity (ROE) | 3.0498% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.0498% | 4,181 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9048% | 6,062 |
| Assets per employee ($millions) | 12.3645% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 2,686 |
| Loan loss allowance to noncurrent loans | 23.9096% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 5.9839% | 665 |
| Noncurrent loans to loans | 6.5230% | 675 |
| Net loans and leases to total assets | 77.6568% | 1,901 |
| Net loans and leases to deposits | 101.9930% | 1,177 |
| Net loans and leases to core deposits | 171.4965% | 321 |
| Total domestic deposits to total assets | 76.1394% | 6,483 |
| Equity capital to assets | 21.6760% | 319 |
| Core capital (leverage) ratio | 21.6742% | 320 |
| Tier 1 risk-based capital ratio | 31.2235% | 571 |
| Total risk-based capital ratio | 32.4731% | 558 |
| Memoranda: | ||
| Average total assets | $97,898,000 | 5,239 |
| Average earning assets | $87,688,500 | 5,297 |
| Average equity | $21,509,500 | 3,037 |
| Average total loans | $77,996,000 | 4,686 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3077% | 3,924 |
| Cost of funding earning assets | 3.5140% | 494 |
| Net interest margin | 2.7937% | 7,340 |
| Noninterest income to average assets | 0.8821% | 2,047 |
| Noninterest expense to average assets | 2.2742% | 6,775 |
| Loan and lease loss provision to assets | 0.2801% | 4,150 |
| Net operating income to assets | 0.5947% | 4,319 |
| Return on assets (ROA) | 0.5947% | 4,188 |
| Pretax return on assets | 0.8528% | 3,882 |
| Return on Equity (ROE) | 2.6173% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.6173% | 3,558 |
| Net charge-offs to loans | 0.0969% | 5,360 |
| Credit loss provision to net charge-offs | 352.6316% | 1,277 |
| Earnings coverage of net charge-offs (x) | 14.2632% | 2,052 |
| Efficiency ratio | 66.7485% | 4,960 |
| Assets per employee ($millions) | 12.1100% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 2,390 |
| Loan loss allowance to noncurrent loans | 20.4779% | 7,215 |
| Noncurrent assets plus other real estate owned to assets | 7.0334% | 373 |
| Noncurrent loans to loans | 7.6231% | 371 |
| Net loans and leases to total assets | 79.2145% | 1,833 |
| Net loans and leases to deposits | 104.5104% | 1,289 |
| Net loans and leases to core deposits | 176.2141% | 327 |
| Total domestic deposits to total assets | 75.7958% | 6,291 |
| Equity capital to assets | 22.2729% | 338 |
| Core capital (leverage) ratio | 22.2703% | 327 |
| Tier 1 risk-based capital ratio | 31.6344% | 565 |
| Total risk-based capital ratio | 32.8851% | 554 |
| Memoranda: | ||
| Average total assets | $95,680,200 | 5,182 |
| Average earning assets | $86,481,600 | 5,205 |
| Average equity | $21,740,200 | 3,010 |
| Average total loans | $78,451,400 | 4,572 |