Home > Grand River Bank > Performance and Condition Ratios
Grand River Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 1,905 |
| Cost of funding earning assets | 2.4299% | 427 |
| Net interest margin | 2.6456% | 3,905 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 4.7220% | 250 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | -1.1926% | 4,537 |
| Return on assets (ROA) | -1.1926% | 4,531 |
| Pretax return on assets | -1.5094% | 4,544 |
| Return on Equity (ROE) | -14.1900% | 4,522 |
| Retained earnings to average equity (ytd only) | -14.1934% | 4,491 |
| Net charge-offs to loans | 0.0237% | 1,837 |
| Credit loss provision to net charge-offs | -42.6087% | 4,457 |
| Earnings coverage of net charge-offs (x) | -70.7391% | 4,586 |
| Efficiency ratio | 147.4012% | 44 |
| Assets per employee ($millions) | 5.9695% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 2,972 |
| Loan loss allowance to noncurrent loans | 1,156.4103% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0852% | 2,969 |
| Noncurrent loans to loans | 0.0927% | 3,074 |
| Net loans and leases to total assets | 90.9700% | 29 |
| Net loans and leases to deposits | 107.5221% | 249 |
| Net loans and leases to core deposits | 130.0025% | 400 |
| Total domestic deposits to total assets | 84.6000% | 2,435 |
| Equity capital to assets | 8.1232% | 3,338 |
| Core capital (leverage) ratio | 8.4327% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7987% | 2,841 |
| Memoranda: | ||
| Average total assets | $535,725,200 | 1,654 |
| Average earning assets | $521,551,400 | 1,570 |
| Average equity | $45,014,000 | 1,733 |
| Average total loans | $484,318,600 | 1,266 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9728% | 1,889 |
| Cost of funding earning assets | 2.3124% | 397 |
| Net interest margin | 2.6604% | 3,934 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 4.6847% | 254 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | -1.0419% | 4,573 |
| Return on assets (ROA) | -1.0419% | 4,568 |
| Pretax return on assets | -1.3186% | 4,570 |
| Return on Equity (ROE) | -12.2900% | 4,549 |
| Retained earnings to average equity (ytd only) | -12.2943% | 4,514 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 140.0599% | 51 |
| Assets per employee ($millions) | 4.2671% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 2,878 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 89.7300% | 39 |
| Net loans and leases to deposits | 104.6156% | 334 |
| Net loans and leases to core deposits | 123.2809% | 478 |
| Total domestic deposits to total assets | 85.7700% | 2,264 |
| Equity capital to assets | 8.3826% | 2,805 |
| Core capital (leverage) ratio | 9.0046% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2453% | 2,775 |
| Memoranda: | ||
| Average total assets | $532,358,250 | 1,661 |
| Average earning assets | $518,297,000 | 1,577 |
| Average equity | $45,114,500 | 1,716 |
| Average total loans | $479,150,250 | 1,273 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 1,933 |
| Cost of funding earning assets | 2.1931% | 339 |
| Net interest margin | 2.6338% | 4,066 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 4.8802% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -1.2156% | 4,609 |
| Return on assets (ROA) | -1.2156% | 4,605 |
| Pretax return on assets | -1.5390% | 4,606 |
| Return on Equity (ROE) | -14.2900% | 4,598 |
| Retained earnings to average equity (ytd only) | -14.2902% | 4,555 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 146.0594% | 41 |
| Assets per employee ($millions) | 3.5546% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 2,917 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 90.4100% | 32 |
| Net loans and leases to deposits | 108.3262% | 243 |
| Net loans and leases to core deposits | 129.0300% | 344 |
| Total domestic deposits to total assets | 83.4600% | 2,944 |
| Equity capital to assets | 8.2540% | 3,052 |
| Core capital (leverage) ratio | 8.8312% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8616% | 2,862 |
| Memoranda: | ||
| Average total assets | $526,327,667 | 1,674 |
| Average earning assets | $512,797,333 | 1,590 |
| Average equity | $44,772,000 | 1,730 |
| Average total loans | $472,398,667 | 1,271 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 2,066 |
| Cost of funding earning assets | 2.0448% | 271 |
| Net interest margin | 2.5641% | 4,245 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 4.4285% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -1.3035% | 4,632 |
| Return on assets (ROA) | -1.3035% | 4,627 |
| Pretax return on assets | -1.6502% | 4,631 |
| Return on Equity (ROE) | -15.0900% | 4,622 |
| Retained earnings to average equity (ytd only) | -15.0863% | 4,550 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 159.3939% | 34 |
| Assets per employee ($millions) | 3.6536% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,202 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 89.6900% | 38 |
| Net loans and leases to deposits | 104.6680% | 289 |
| Net loans and leases to core deposits | 121.6190% | 399 |
| Total domestic deposits to total assets | 85.6900% | 2,679 |
| Equity capital to assets | 8.8436% | 2,638 |
| Core capital (leverage) ratio | 9.1620% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4835% | 2,857 |
| Memoranda: | ||
| Average total assets | $522,610,000 | 1,698 |
| Average earning assets | $509,967,000 | 1,619 |
| Average equity | $45,153,500 | 1,739 |
| Average total loans | $464,866,500 | 1,302 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 2,158 |
| Cost of funding earning assets | 0.7257% | 520 |
| Net interest margin | 3.1177% | 3,119 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 3.4443% | 516 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | -0.2903% | 4,620 |
| Return on assets (ROA) | -0.2903% | 4,609 |
| Pretax return on assets | -0.3785% | 4,614 |
| Return on Equity (ROE) | -3.2600% | 4,605 |
| Retained earnings to average equity (ytd only) | -3.2620% | 4,528 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 105.1548% | 116 |
| Assets per employee ($millions) | 3.9855% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 1,975 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 85.9900% | 157 |
| Net loans and leases to deposits | 97.6068% | 547 |
| Net loans and leases to core deposits | 111.4406% | 562 |
| Total domestic deposits to total assets | 88.1000% | 2,040 |
| Equity capital to assets | 8.4422% | 2,745 |
| Core capital (leverage) ratio | 8.8604% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0773% | 2,959 |
| Memoranda: | ||
| Average total assets | $506,978,600 | 1,701 |
| Average earning assets | $496,234,600 | 1,640 |
| Average equity | $45,125,200 | 1,752 |
| Average total loans | $416,879,600 | 1,345 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 2,376 |
| Cost of funding earning assets | 0.4553% | 955 |
| Net interest margin | 3.1342% | 2,818 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 3.1012% | 781 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.0205% | 4,581 |
| Return on assets (ROA) | 0.0205% | 4,553 |
| Pretax return on assets | 0.0162% | 4,551 |
| Return on Equity (ROE) | 0.2300% | 4,550 |
| Retained earnings to average equity (ytd only) | 0.2270% | 4,307 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 94.4809% | 225 |
| Assets per employee ($millions) | 7.4287% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 2,190 |
| 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 | 81.1000% | 435 |
| Net loans and leases to deposits | 90.3514% | 867 |
| Net loans and leases to core deposits | 102.4189% | 724 |
| Total domestic deposits to total assets | 89.7600% | 1,758 |
| Equity capital to assets | 8.7502% | 2,376 |
| Core capital (leverage) ratio | 9.3084% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9094% | 2,844 |
| Memoranda: | ||
| Average total assets | $501,207,000 | 1,727 |
| Average earning assets | $490,750,750 | 1,664 |
| Average equity | $45,219,250 | 1,769 |
| Average total loans | $405,662,250 | 1,364 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3649% | 2,529 |
| Cost of funding earning assets | 0.3622% | 1,177 |
| Net interest margin | 3.0027% | 2,862 |
| Noninterest income to average assets | 0.2282% | 3,822 |
| Noninterest expense to average assets | 2.8810% | 1,026 |
| Loan and lease loss provision to assets | 0.1320% | 732 |
| Net operating income to assets | 0.1275% | 4,491 |
| Return on assets (ROA) | 0.1275% | 4,458 |
| Pretax return on assets | 0.1576% | 4,445 |
| Return on Equity (ROE) | 1.3984% | 4,417 |
| Retained earnings to average equity (ytd only) | 1.3984% | 3,901 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8672% | 373 |
| Assets per employee ($millions) | 7.2017% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,412 |
| 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 | 79.8978% | 413 |
| Net loans and leases to deposits | 89.3823% | 755 |
| Net loans and leases to core deposits | 99.9533% | 672 |
| Total domestic deposits to total assets | 89.3889% | 2,004 |
| Equity capital to assets | 9.1707% | 2,264 |
| Core capital (leverage) ratio | 9.9520% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4811% | 2,683 |
| Memoranda: | ||
| Average total assets | $492,463,333 | 1,752 |
| Average earning assets | $482,572,667 | 1,693 |
| Average equity | $44,908,333 | 1,832 |
| Average total loans | $396,475,333 | 1,390 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2680% | 2,481 |
| Cost of funding earning assets | 0.3178% | 1,486 |
| Net interest margin | 2.9502% | 2,669 |
| Noninterest income to average assets | 0.2252% | 3,809 |
| Noninterest expense to average assets | 2.8992% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1731% | 4,368 |
| Return on assets (ROA) | 0.1731% | 4,337 |
| Pretax return on assets | 0.2170% | 4,305 |
| Return on Equity (ROE) | 1.9036% | 4,274 |
| Retained earnings to average equity (ytd only) | 1.9036% | 3,571 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0375% | 420 |
| Assets per employee ($millions) | 6.0347% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,652 |
| 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 | 81.2968% | 189 |
| Net loans and leases to deposits | 90.9897% | 467 |
| Net loans and leases to core deposits | 101.5509% | 452 |
| Total domestic deposits to total assets | 89.3473% | 1,905 |
| Equity capital to assets | 9.1291% | 2,601 |
| Core capital (leverage) ratio | 9.2430% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1609% | 2,856 |
| Memoranda: | ||
| Average total assets | $483,033,500 | 1,789 |
| Average earning assets | $473,319,000 | 1,721 |
| Average equity | $43,916,500 | 1,920 |
| Average total loans | $387,849,500 | 1,403 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4720% | 2,744 |
| Cost of funding earning assets | 0.4410% | 1,255 |
| Net interest margin | 3.0310% | 3,107 |
| Noninterest income to average assets | 0.6730% | 1,859 |
| Noninterest expense to average assets | 2.5176% | 2,131 |
| Loan and lease loss provision to assets | 0.0339% | 2,376 |
| Net operating income to assets | 0.8587% | 3,160 |
| Return on assets (ROA) | 0.8587% | 3,228 |
| Pretax return on assets | 1.0938% | 2,992 |
| Return on Equity (ROE) | 9.5267% | 2,709 |
| Retained earnings to average equity (ytd only) | 9.5267% | 1,039 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0646% | 1,852 |
| Assets per employee ($millions) | 6.8919% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 2,502 |
| 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 | 77.3292% | 422 |
| Net loans and leases to deposits | 86.6221% | 740 |
| Net loans and leases to core deposits | 97.8182% | 624 |
| Total domestic deposits to total assets | 89.2720% | 1,367 |
| Equity capital to assets | 9.0555% | 3,560 |
| Core capital (leverage) ratio | 8.8652% | 3,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3640% | 2,808 |
| Memoranda: | ||
| Average total assets | $472,482,200 | 1,766 |
| Average earning assets | $463,306,000 | 1,704 |
| Average equity | $42,585,600 | 1,991 |
| Average total loans | $378,304,400 | 1,435 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 2,832 |
| Cost of funding earning assets | 0.4678% | 1,231 |
| Net interest margin | 3.0356% | 3,217 |
| Noninterest income to average assets | 0.7574% | 1,648 |
| Noninterest expense to average assets | 2.4384% | 2,312 |
| Loan and lease loss provision to assets | 0.0455% | 2,088 |
| Net operating income to assets | 0.9815% | 2,981 |
| Return on assets (ROA) | 0.9815% | 3,063 |
| Pretax return on assets | 1.2502% | 2,770 |
| Return on Equity (ROE) | 10.9025% | 2,398 |
| Retained earnings to average equity (ytd only) | 10.9025% | 1,081 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2993% | 2,199 |
| Assets per employee ($millions) | 7.3076% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 74.5543% | 647 |
| Net loans and leases to deposits | 83.1969% | 1,013 |
| Net loans and leases to core deposits | 94.6511% | 804 |
| Total domestic deposits to total assets | 89.6119% | 960 |
| Equity capital to assets | 8.8138% | 3,989 |
| Core capital (leverage) ratio | 9.0513% | 3,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8743% | 2,746 |
| Memoranda: | ||
| Average total assets | $468,271,250 | 1,802 |
| Average earning assets | $459,199,750 | 1,731 |
| Average equity | $42,154,250 | 2,035 |
| Average total loans | $377,066,000 | 1,464 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4127% | 3,142 |
| Cost of funding earning assets | 0.4988% | 1,211 |
| Net interest margin | 2.9140% | 3,545 |
| Noninterest income to average assets | 0.8798% | 1,327 |
| Noninterest expense to average assets | 2.4886% | 2,183 |
| Loan and lease loss provision to assets | 0.0279% | 2,424 |
| Net operating income to assets | 0.9587% | 3,036 |
| Return on assets (ROA) | 0.9587% | 3,119 |
| Pretax return on assets | 1.2212% | 2,855 |
| Return on Equity (ROE) | 10.5704% | 2,563 |
| Retained earnings to average equity (ytd only) | 10.5704% | 1,225 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5811% | 2,072 |
| Assets per employee ($millions) | 6.6410% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 2,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 81.7798% | 231 |
| Net loans and leases to deposits | 91.7099% | 555 |
| Net loans and leases to core deposits | 104.3062% | 528 |
| Total domestic deposits to total assets | 89.1722% | 1,191 |
| Equity capital to assets | 9.1566% | 3,650 |
| Core capital (leverage) ratio | 9.2013% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9892% | 2,724 |
| Memoranda: | ||
| Average total assets | $458,723,667 | 1,824 |
| Average earning assets | $449,903,333 | 1,758 |
| Average equity | $41,606,667 | 2,047 |
| Average total loans | $377,642,333 | 1,468 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 3,046 |
| Cost of funding earning assets | 0.5329% | 1,190 |
| Net interest margin | 2.9266% | 3,444 |
| Noninterest income to average assets | 1.1008% | 983 |
| Noninterest expense to average assets | 2.4071% | 2,473 |
| Loan and lease loss provision to assets | 0.0562% | 1,988 |
| Net operating income to assets | 1.1860% | 2,208 |
| Return on assets (ROA) | 1.1860% | 2,278 |
| Pretax return on assets | 1.5108% | 1,964 |
| Return on Equity (ROE) | 13.1398% | 1,635 |
| Retained earnings to average equity (ytd only) | 13.1398% | 888 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5699% | 2,966 |
| Assets per employee ($millions) | 6.8584% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 81.0909% | 277 |
| Net loans and leases to deposits | 91.9614% | 594 |
| Net loans and leases to core deposits | 106.0625% | 509 |
| Total domestic deposits to total assets | 88.1793% | 1,747 |
| Equity capital to assets | 9.0763% | 3,611 |
| Core capital (leverage) ratio | 9.2270% | 3,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0002% | 2,291 |
| Memoranda: | ||
| Average total assets | $455,651,500 | 1,823 |
| Average earning assets | $447,350,000 | 1,751 |
| Average equity | $41,127,000 | 2,048 |
| Average total loans | $373,994,500 | 1,478 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 2,994 |
| Cost of funding earning assets | 0.9705% | 668 |
| Net interest margin | 2.9408% | 4,036 |
| Noninterest income to average assets | 1.1026% | 874 |
| Noninterest expense to average assets | 2.5084% | 2,821 |
| Loan and lease loss provision to assets | 0.3913% | 815 |
| Net operating income to assets | 0.8649% | 2,845 |
| Return on assets (ROA) | 0.8649% | 2,982 |
| Pretax return on assets | 1.1019% | 2,686 |
| Return on Equity (ROE) | 9.2295% | 2,299 |
| Retained earnings to average equity (ytd only) | 9.2295% | 720 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6852% | 3,021 |
| Assets per employee ($millions) | 7.1712% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 2,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 80.9867% | 368 |
| Net loans and leases to deposits | 93.2213% | 706 |
| Net loans and leases to core deposits | 109.0939% | 539 |
| Total domestic deposits to total assets | 86.8757% | 1,998 |
| Equity capital to assets | 8.9748% | 4,079 |
| Core capital (leverage) ratio | 9.1175% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8579% | 2,296 |
| Memoranda: | ||
| Average total assets | $391,246,400 | 1,887 |
| Average earning assets | $385,679,400 | 1,812 |
| Average equity | $36,665,200 | 2,146 |
| Average total loans | $343,128,000 | 1,525 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 2,830 |
| Cost of funding earning assets | 1.0373% | 669 |
| Net interest margin | 3.0105% | 3,948 |
| Noninterest income to average assets | 0.9423% | 1,134 |
| Noninterest expense to average assets | 2.3741% | 3,207 |
| Loan and lease loss provision to assets | 0.5232% | 548 |
| Net operating income to assets | 0.7944% | 3,113 |
| Return on assets (ROA) | 0.7944% | 3,231 |
| Pretax return on assets | 1.0121% | 3,026 |
| Return on Equity (ROE) | 8.3708% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.3708% | 1,184 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7272% | 3,270 |
| Assets per employee ($millions) | 7.4592% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 82.7825% | 381 |
| Net loans and leases to deposits | 101.2399% | 486 |
| Net loans and leases to core deposits | 119.8688% | 418 |
| Total domestic deposits to total assets | 81.7687% | 3,480 |
| Equity capital to assets | 8.6611% | 4,361 |
| Core capital (leverage) ratio | 9.9139% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7547% | 2,301 |
| Memoranda: | ||
| Average total assets | $376,111,000 | 1,918 |
| Average earning assets | $370,697,750 | 1,840 |
| Average equity | $35,694,750 | 2,176 |
| Average total loans | $336,261,500 | 1,544 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 2,765 |
| Cost of funding earning assets | 1.2004% | 505 |
| Net interest margin | 2.9989% | 4,123 |
| Noninterest income to average assets | 0.7513% | 1,574 |
| Noninterest expense to average assets | 2.2424% | 3,674 |
| Loan and lease loss provision to assets | 0.7661% | 326 |
| Net operating income to assets | 0.5460% | 3,897 |
| Return on assets (ROA) | 0.5460% | 3,977 |
| Pretax return on assets | 0.6952% | 3,880 |
| Return on Equity (ROE) | 5.5432% | 3,659 |
| Retained earnings to average equity (ytd only) | 5.5432% | 2,260 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5434% | 3,336 |
| Assets per employee ($millions) | 6.8499% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 91.3178% | 17 |
| Net loans and leases to deposits | 106.7753% | 300 |
| Net loans and leases to core deposits | 129.3136% | 264 |
| Total domestic deposits to total assets | 85.5234% | 2,193 |
| Equity capital to assets | 8.8413% | 4,219 |
| Core capital (leverage) ratio | 9.1759% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3810% | 2,863 |
| Memoranda: | ||
| Average total assets | $349,810,000 | 2,000 |
| Average earning assets | $344,388,333 | 1,923 |
| Average equity | $34,456,667 | 2,237 |
| Average total loans | $321,241,000 | 1,587 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 2,688 |
| Cost of funding earning assets | 1.4095% | 375 |
| Net interest margin | 2.9707% | 4,332 |
| Noninterest income to average assets | 0.6355% | 1,879 |
| Noninterest expense to average assets | 2.6485% | 2,841 |
| Loan and lease loss provision to assets | 0.8465% | 281 |
| Net operating income to assets | 0.0552% | 4,707 |
| Return on assets (ROA) | 0.0552% | 4,699 |
| Pretax return on assets | 0.0699% | 4,686 |
| Return on Equity (ROE) | 0.5275% | 4,687 |
| Retained earnings to average equity (ytd only) | 0.5275% | 3,866 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2946% | 1,772 |
| Assets per employee ($millions) | 5.6098% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 90.2256% | 30 |
| Net loans and leases to deposits | 104.5144% | 347 |
| Net loans and leases to core deposits | 131.9095% | 242 |
| Total domestic deposits to total assets | 86.3284% | 1,861 |
| Equity capital to assets | 10.3255% | 3,496 |
| Core capital (leverage) ratio | 10.4893% | 2,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3579% | 2,987 |
| Memoranda: | ||
| Average total assets | $326,067,500 | 2,058 |
| Average earning assets | $321,543,000 | 1,968 |
| Average equity | $34,122,000 | 2,239 |
| Average total loans | $298,203,500 | 1,654 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,831 |
| Cost of funding earning assets | 1.4924% | 404 |
| Net interest margin | 3.0419% | 4,465 |
| Noninterest income to average assets | 0.6059% | 2,190 |
| Noninterest expense to average assets | 2.6541% | 3,013 |
| Loan and lease loss provision to assets | 0.1815% | 1,138 |
| Net operating income to assets | 0.6018% | 4,154 |
| Return on assets (ROA) | 0.6018% | 4,212 |
| Pretax return on assets | 0.7667% | 4,050 |
| Return on Equity (ROE) | 5.9094% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.9094% | 1,914 |
| Net charge-offs to loans | 0.0007% | 3,701 |
| Credit loss provision to net charge-offs | 26,800.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,400.0000% | 63 |
| Efficiency ratio | 73.6768% | 1,643 |
| Assets per employee ($millions) | 5.9474% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 90.5290% | 42 |
| Net loans and leases to deposits | 105.4579% | 319 |
| Net loans and leases to core deposits | 132.3162% | 250 |
| Total domestic deposits to total assets | 85.8437% | 2,123 |
| Equity capital to assets | 10.6082% | 3,342 |
| Core capital (leverage) ratio | 10.4990% | 2,953 |
| Tier 1 risk-based capital ratio | 11.2767% | 4,745 |
| Total risk-based capital ratio | 12.3301% | 4,721 |
| Memoranda: | ||
| Average total assets | $295,280,400 | 2,184 |
| Average earning assets | $290,869,000 | 2,085 |
| Average equity | $30,070,600 | 2,390 |
| Average total loans | $268,349,400 | 1,741 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 2,979 |
| Cost of funding earning assets | 1.4663% | 461 |
| Net interest margin | 3.0583% | 4,543 |
| Noninterest income to average assets | 0.5221% | 2,592 |
| Noninterest expense to average assets | 2.6153% | 3,120 |
| Loan and lease loss provision to assets | 0.1759% | 1,045 |
| Net operating income to assets | 0.5831% | 4,334 |
| Return on assets (ROA) | 0.5831% | 4,383 |
| Pretax return on assets | 0.7428% | 4,254 |
| Return on Equity (ROE) | 5.7926% | 4,108 |
| Retained earnings to average equity (ytd only) | 5.7926% | 2,464 |
| Net charge-offs to loans | 0.0010% | 3,423 |
| Credit loss provision to net charge-offs | 19,050.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 993.7341% | 92 |
| Efficiency ratio | 74.0039% | 1,571 |
| Assets per employee ($millions) | 5.9383% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 3,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 87.6281% | 110 |
| Net loans and leases to deposits | 101.8988% | 511 |
| Net loans and leases to core deposits | 128.0847% | 330 |
| Total domestic deposits to total assets | 85.9952% | 2,001 |
| Equity capital to assets | 10.4616% | 3,573 |
| Core capital (leverage) ratio | 10.9500% | 2,690 |
| Tier 1 risk-based capital ratio | 11.7114% | 4,567 |
| Total risk-based capital ratio | 12.7680% | 4,556 |
| Memoranda: | ||
| Average total assets | $288,811,000 | 2,242 |
| Average earning assets | $284,424,000 | 2,135 |
| Average equity | $29,071,000 | 2,457 |
| Average total loans | $261,957,750 | 1,779 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 2,962 |
| Cost of funding earning assets | 1.4400% | 463 |
| Net interest margin | 3.0772% | 4,574 |
| Noninterest income to average assets | 0.4040% | 3,255 |
| Noninterest expense to average assets | 2.5695% | 3,275 |
| Loan and lease loss provision to assets | 0.2063% | 822 |
| Net operating income to assets | 0.5162% | 4,498 |
| Return on assets (ROA) | 0.5162% | 4,529 |
| Pretax return on assets | 0.6578% | 4,429 |
| Return on Equity (ROE) | 5.2069% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.2069% | 2,668 |
| Net charge-offs to loans | 0.0016% | 3,124 |
| Credit loss provision to net charge-offs | 14,350.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 601.0000% | 130 |
| Efficiency ratio | 74.8325% | 1,536 |
| Assets per employee ($millions) | 5.8904% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 3,160 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 90.7786% | 41 |
| Net loans and leases to deposits | 104.7829% | 390 |
| Net loans and leases to core deposits | 133.3255% | 270 |
| Total domestic deposits to total assets | 86.6350% | 1,757 |
| Equity capital to assets | 9.5032% | 4,398 |
| Core capital (leverage) ratio | 9.8183% | 3,805 |
| Tier 1 risk-based capital ratio | 10.3528% | 5,154 |
| Total risk-based capital ratio | 11.4374% | 5,125 |
| Memoranda: | ||
| Average total assets | $278,191,670 | 2,306 |
| Average earning assets | $273,883,670 | 2,201 |
| Average equity | $27,579,000 | 2,530 |
| Average total loans | $254,605,000 | 1,824 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 3,061 |
| Cost of funding earning assets | 1.3950% | 468 |
| Net interest margin | 3.0504% | 4,671 |
| Noninterest income to average assets | 0.4266% | 3,000 |
| Noninterest expense to average assets | 2.5272% | 3,422 |
| Loan and lease loss provision to assets | 0.1511% | 1,112 |
| Net operating income to assets | 0.5940% | 4,263 |
| Return on assets (ROA) | 0.5940% | 4,295 |
| Pretax return on assets | 0.7510% | 4,170 |
| Return on Equity (ROE) | 5.8596% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.8596% | 2,515 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6933% | 1,787 |
| Assets per employee ($millions) | 5.7488% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,227 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 90.9336% | 34 |
| Net loans and leases to deposits | 106.6504% | 302 |
| Net loans and leases to core deposits | 138.2987% | 202 |
| Total domestic deposits to total assets | 85.2633% | 2,572 |
| Equity capital to assets | 10.0057% | 3,819 |
| Core capital (leverage) ratio | 10.3412% | 3,232 |
| Tier 1 risk-based capital ratio | 10.7297% | 5,095 |
| Total risk-based capital ratio | 11.7956% | 5,070 |
| Memoranda: | ||
| Average total assets | $270,026,500 | 2,373 |
| Average earning assets | $265,801,000 | 2,274 |
| Average equity | $27,374,000 | 2,552 |
| Average total loans | $246,763,000 | 1,880 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 2,845 |
| Cost of funding earning assets | 1.0428% | 629 |
| Net interest margin | 3.3325% | 4,173 |
| Noninterest income to average assets | 0.2800% | 4,229 |
| Noninterest expense to average assets | 2.7094% | 2,992 |
| Loan and lease loss provision to assets | 0.1126% | 1,961 |
| Net operating income to assets | 0.5732% | 4,496 |
| Return on assets (ROA) | 0.5732% | 4,500 |
| Pretax return on assets | 0.7291% | 4,343 |
| Return on Equity (ROE) | 5.2641% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.2641% | 2,619 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2978% | 1,314 |
| Assets per employee ($millions) | 5.3900% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 3,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 89.8175% | 65 |
| Net loans and leases to deposits | 103.6715% | 497 |
| Net loans and leases to core deposits | 132.5635% | 279 |
| Total domestic deposits to total assets | 86.6366% | 1,948 |
| Equity capital to assets | 10.2753% | 3,404 |
| Core capital (leverage) ratio | 10.4787% | 3,054 |
| Tier 1 risk-based capital ratio | 11.2065% | 4,861 |
| Total risk-based capital ratio | 12.2942% | 4,850 |
| Memoranda: | ||
| Average total assets | $242,489,200 | 2,528 |
| Average earning assets | $238,018,400 | 2,426 |
| Average equity | $26,405,200 | 2,546 |
| Average total loans | $223,435,600 | 1,999 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,865 |
| Cost of funding earning assets | 0.9594% | 718 |
| Net interest margin | 3.3660% | 4,114 |
| Noninterest income to average assets | 0.2784% | 4,288 |
| Noninterest expense to average assets | 2.7230% | 2,908 |
| Loan and lease loss provision to assets | 0.0911% | 2,155 |
| Net operating income to assets | 0.6046% | 4,488 |
| Return on assets (ROA) | 0.6046% | 4,499 |
| Pretax return on assets | 0.7654% | 4,386 |
| Return on Equity (ROE) | 5.4660% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.4660% | 2,976 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0723% | 1,340 |
| Assets per employee ($millions) | 5.0314% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 89.5831% | 86 |
| Net loans and leases to deposits | 103.9737% | 550 |
| Net loans and leases to core deposits | 132.5450% | 289 |
| Total domestic deposits to total assets | 86.1594% | 2,116 |
| Equity capital to assets | 10.6423% | 2,996 |
| Core capital (leverage) ratio | 11.0417% | 2,540 |
| Tier 1 risk-based capital ratio | 11.2722% | 4,915 |
| Total risk-based capital ratio | 12.3325% | 4,893 |
| Memoranda: | ||
| Average total assets | $237,084,000 | 2,576 |
| Average earning assets | $232,512,500 | 2,483 |
| Average equity | $26,222,000 | 2,569 |
| Average total loans | $219,330,000 | 2,038 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 2,751 |
| Cost of funding earning assets | 0.8848% | 774 |
| Net interest margin | 3.4179% | 3,898 |
| Noninterest income to average assets | 0.2893% | 4,249 |
| Noninterest expense to average assets | 2.7418% | 2,876 |
| Loan and lease loss provision to assets | 0.1912% | 910 |
| Net operating income to assets | 0.5580% | 4,608 |
| Return on assets (ROA) | 0.5580% | 4,608 |
| Pretax return on assets | 0.7061% | 4,494 |
| Return on Equity (ROE) | 4.9773% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.9773% | 3,089 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3431% | 1,516 |
| Assets per employee ($millions) | 5.2327% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1415% | 3,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 93.1896% | 15 |
| Net loans and leases to deposits | 108.7932% | 320 |
| Net loans and leases to core deposits | 131.4464% | 303 |
| Total domestic deposits to total assets | 85.6575% | 2,428 |
| Equity capital to assets | 10.9503% | 2,682 |
| Core capital (leverage) ratio | 11.2528% | 2,302 |
| Tier 1 risk-based capital ratio | 10.9864% | 5,056 |
| Total risk-based capital ratio | 12.0614% | 5,042 |
| Memoranda: | ||
| Average total assets | $232,255,000 | 2,616 |
| Average earning assets | $227,623,000 | 2,529 |
| Average equity | $26,038,330 | 2,584 |
| Average total loans | $216,475,000 | 2,068 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 2,629 |
| Cost of funding earning assets | 0.8475% | 775 |
| Net interest margin | 3.4242% | 3,800 |
| Noninterest income to average assets | 0.2544% | 4,480 |
| Noninterest expense to average assets | 2.7663% | 2,818 |
| Loan and lease loss provision to assets | 0.2280% | 686 |
| Net operating income to assets | 0.4894% | 4,721 |
| Return on assets (ROA) | 0.4894% | 4,729 |
| Pretax return on assets | 0.6192% | 4,643 |
| Return on Equity (ROE) | 4.3125% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.3125% | 3,459 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5534% | 1,512 |
| Assets per employee ($millions) | 5.1758% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 92.3691% | 21 |
| Net loans and leases to deposits | 108.1161% | 313 |
| Net loans and leases to core deposits | 129.1402% | 356 |
| Total domestic deposits to total assets | 85.4351% | 2,779 |
| Equity capital to assets | 11.1627% | 2,415 |
| Core capital (leverage) ratio | 11.4111% | 2,079 |
| Tier 1 risk-based capital ratio | 11.5701% | 4,828 |
| Total risk-based capital ratio | 12.6774% | 4,800 |
| Memoranda: | ||
| Average total assets | $228,030,000 | 2,675 |
| Average earning assets | $223,704,000 | 2,583 |
| Average equity | $25,878,500 | 2,627 |
| Average total loans | $211,261,500 | 2,105 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 3,068 |
| Cost of funding earning assets | 0.7507% | 817 |
| Net interest margin | 3.3467% | 4,021 |
| Noninterest income to average assets | 0.4796% | 3,125 |
| Noninterest expense to average assets | 2.8824% | 2,517 |
| Loan and lease loss provision to assets | 0.1148% | 1,982 |
| Net operating income to assets | 0.3743% | 4,772 |
| Return on assets (ROA) | 0.3743% | 4,786 |
| Pretax return on assets | 0.7666% | 4,341 |
| Return on Equity (ROE) | 3.3705% | 4,723 |
| Retained earnings to average equity (ytd only) | 3.3705% | 3,271 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5818% | 1,542 |
| Assets per employee ($millions) | 5.0716% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 3,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 90.7551% | 56 |
| Net loans and leases to deposits | 106.9825% | 357 |
| Net loans and leases to core deposits | 127.4856% | 401 |
| Total domestic deposits to total assets | 84.8318% | 2,900 |
| Equity capital to assets | 11.5429% | 2,170 |
| Core capital (leverage) ratio | 11.4579% | 1,967 |
| Tier 1 risk-based capital ratio | 12.7007% | 4,089 |
| Total risk-based capital ratio | 13.8654% | 4,027 |
| Memoranda: | ||
| Average total assets | $210,798,800 | 2,815 |
| Average earning assets | $206,860,000 | 2,701 |
| Average equity | $23,408,800 | 2,814 |
| Average total loans | $191,473,200 | 2,231 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 3,072 |
| Cost of funding earning assets | 0.7290% | 848 |
| Net interest margin | 3.3459% | 4,027 |
| Noninterest income to average assets | 0.4981% | 3,034 |
| Noninterest expense to average assets | 2.9059% | 2,383 |
| Loan and lease loss provision to assets | 0.1502% | 1,391 |
| Net operating income to assets | 0.4827% | 4,780 |
| Return on assets (ROA) | 0.4827% | 4,820 |
| Pretax return on assets | 0.7241% | 4,545 |
| Return on Equity (ROE) | 4.3934% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.3934% | 3,284 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8721% | 1,475 |
| Assets per employee ($millions) | 5.0502% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1969% | 2,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 89.7098% | 92 |
| Net loans and leases to deposits | 106.2758% | 406 |
| Net loans and leases to core deposits | 125.5305% | 420 |
| Total domestic deposits to total assets | 84.4123% | 2,955 |
| Equity capital to assets | 11.8614% | 2,063 |
| Core capital (leverage) ratio | 12.1697% | 1,585 |
| Tier 1 risk-based capital ratio | 13.2566% | 3,841 |
| Total risk-based capital ratio | 14.4704% | 3,783 |
| Memoranda: | ||
| Average total assets | $207,710,750 | 2,865 |
| Average earning assets | $203,744,500 | 2,752 |
| Average equity | $22,821,500 | 2,897 |
| Average total loans | $188,119,250 | 2,268 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 3,221 |
| Cost of funding earning assets | 0.7134% | 831 |
| Net interest margin | 3.2812% | 4,165 |
| Noninterest income to average assets | 0.4996% | 3,032 |
| Noninterest expense to average assets | 2.9663% | 2,208 |
| Loan and lease loss provision to assets | 0.1643% | 1,214 |
| Net operating income to assets | 0.3940% | 4,987 |
| Return on assets (ROA) | 0.3940% | 5,015 |
| Pretax return on assets | 0.5886% | 4,831 |
| Return on Equity (ROE) | 3.6900% | 4,914 |
| Retained earnings to average equity (ytd only) | 3.6900% | 3,501 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7581% | 1,235 |
| Assets per employee ($millions) | 4.7687% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 3,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 91.7449% | 43 |
| Net loans and leases to deposits | 110.7410% | 248 |
| Net loans and leases to core deposits | 128.0770% | 340 |
| Total domestic deposits to total assets | 82.8464% | 3,613 |
| Equity capital to assets | 12.1117% | 1,858 |
| Core capital (leverage) ratio | 12.3261% | 1,461 |
| Tier 1 risk-based capital ratio | 12.9924% | 4,001 |
| Total risk-based capital ratio | 14.1682% | 3,970 |
| Memoranda: | ||
| Average total assets | $204,561,670 | 2,913 |
| Average earning assets | $200,720,000 | 2,801 |
| Average equity | $21,842,670 | 2,991 |
| Average total loans | $185,101,670 | 2,306 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 3,416 |
| Cost of funding earning assets | 0.7068% | 816 |
| Net interest margin | 3.1888% | 4,378 |
| Noninterest income to average assets | 0.4516% | 3,303 |
| Noninterest expense to average assets | 2.9832% | 2,205 |
| Loan and lease loss provision to assets | 0.0733% | 2,337 |
| Net operating income to assets | 0.3506% | 5,073 |
| Return on assets (ROA) | 0.3506% | 5,094 |
| Pretax return on assets | 0.5229% | 4,921 |
| Return on Equity (ROE) | 3.5299% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.5299% | 3,676 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3426% | 1,028 |
| Assets per employee ($millions) | 4.7383% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 3,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 85.9132% | 227 |
| Net loans and leases to deposits | 96.5705% | 886 |
| Net loans and leases to core deposits | 112.9641% | 727 |
| Total domestic deposits to total assets | 88.9642% | 1,159 |
| Equity capital to assets | 9.6707% | 4,102 |
| Core capital (leverage) ratio | 10.1416% | 3,322 |
| Tier 1 risk-based capital ratio | 11.2330% | 5,183 |
| Total risk-based capital ratio | 12.4450% | 5,102 |
| Memoranda: | ||
| Average total assets | $201,931,500 | 2,975 |
| Average earning assets | $198,068,000 | 2,849 |
| Average equity | $20,057,500 | 3,164 |
| Average total loans | $180,255,000 | 2,359 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,131 |
| Cost of funding earning assets | 0.6939% | 836 |
| Net interest margin | 3.3227% | 4,075 |
| Noninterest income to average assets | 0.9445% | 1,280 |
| Noninterest expense to average assets | 3.3658% | 1,426 |
| Loan and lease loss provision to assets | 0.1994% | 1,165 |
| Net operating income to assets | 1.1347% | 1,750 |
| Return on assets (ROA) | 1.1347% | 1,844 |
| Pretax return on assets | 0.6319% | 4,702 |
| Return on Equity (ROE) | 11.5274% | 1,390 |
| Retained earnings to average equity (ytd only) | 11.5274% | 253 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1947% | 1,396 |
| Assets per employee ($millions) | 4.7653% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 3,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 90.6473% | 53 |
| Net loans and leases to deposits | 104.1929% | 423 |
| Net loans and leases to core deposits | 124.8583% | 365 |
| Total domestic deposits to total assets | 86.9995% | 2,145 |
| Equity capital to assets | 10.2126% | 3,477 |
| Core capital (leverage) ratio | 10.1037% | 3,359 |
| Tier 1 risk-based capital ratio | 11.3737% | 5,132 |
| Total risk-based capital ratio | 12.5944% | 5,046 |
| Memoranda: | ||
| Average total assets | $183,580,400 | 3,127 |
| Average earning assets | $179,700,800 | 3,022 |
| Average equity | $18,070,000 | 3,395 |
| Average total loans | $166,535,800 | 2,449 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0113% | 3,190 |
| Cost of funding earning assets | 0.6836% | 887 |
| Net interest margin | 3.3277% | 4,103 |
| Noninterest income to average assets | 1.0157% | 1,114 |
| Noninterest expense to average assets | 3.4633% | 1,216 |
| Loan and lease loss provision to assets | 0.2524% | 742 |
| Net operating income to assets | 1.2873% | 1,333 |
| Return on assets (ROA) | 1.2873% | 1,436 |
| Pretax return on assets | 0.5551% | 4,989 |
| Return on Equity (ROE) | 13.2124% | 998 |
| Retained earnings to average equity (ytd only) | 13.2124% | 211 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0923% | 1,289 |
| Assets per employee ($millions) | 4.5043% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 91.5090% | 35 |
| Net loans and leases to deposits | 106.7530% | 351 |
| Net loans and leases to core deposits | 128.0708% | 328 |
| Total domestic deposits to total assets | 85.7203% | 2,497 |
| Equity capital to assets | 10.1860% | 3,934 |
| Core capital (leverage) ratio | 10.1138% | 3,426 |
| Tier 1 risk-based capital ratio | 11.1693% | 5,274 |
| Total risk-based capital ratio | 12.3856% | 5,209 |
| Memoranda: | ||
| Average total assets | $180,631,250 | 3,168 |
| Average earning assets | $176,694,750 | 3,058 |
| Average equity | $17,599,250 | 3,498 |
| Average total loans | $163,362,250 | 2,484 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 3,372 |
| Cost of funding earning assets | 0.6612% | 988 |
| Net interest margin | 3.3026% | 4,223 |
| Noninterest income to average assets | 0.9859% | 1,148 |
| Noninterest expense to average assets | 3.5296% | 1,114 |
| Loan and lease loss provision to assets | 0.3018% | 592 |
| Net operating income to assets | 1.6689% | 616 |
| Return on assets (ROA) | 1.6689% | 654 |
| Pretax return on assets | 0.3846% | 5,366 |
| Return on Equity (ROE) | 17.4193% | 401 |
| Retained earnings to average equity (ytd only) | 17.4193% | 90 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7191% | 1,077 |
| Assets per employee ($millions) | 4.5819% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 90.7834% | 50 |
| Net loans and leases to deposits | 105.9030% | 371 |
| Net loans and leases to core deposits | 127.4107% | 346 |
| Total domestic deposits to total assets | 85.7232% | 2,546 |
| Equity capital to assets | 10.3488% | 3,798 |
| Core capital (leverage) ratio | 10.5053% | 2,967 |
| Tier 1 risk-based capital ratio | 10.9409% | 5,450 |
| Total risk-based capital ratio | 12.1141% | 5,418 |
| Memoranda: | ||
| Average total assets | $176,279,330 | 3,239 |
| Average earning assets | $172,408,000 | 3,114 |
| Average equity | $16,889,330 | 3,601 |
| Average total loans | $158,035,330 | 2,555 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9152% | 3,533 |
| Cost of funding earning assets | 0.6330% | 1,137 |
| Net interest margin | 3.2822% | 4,295 |
| Noninterest income to average assets | 0.7813% | 1,688 |
| Noninterest expense to average assets | 3.5193% | 1,152 |
| Loan and lease loss provision to assets | 0.1689% | 1,217 |
| Net operating income to assets | 3.1274% | 86 |
| Return on assets (ROA) | 3.1274% | 86 |
| Pretax return on assets | 0.3050% | 5,500 |
| Return on Equity (ROE) | 34.1499% | 33 |
| Retained earnings to average equity (ytd only) | 34.1499% | 17 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1316% | 804 |
| Assets per employee ($millions) | 4.3172% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 3,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 84.5754% | 320 |
| Net loans and leases to deposits | 95.7176% | 965 |
| Net loans and leases to core deposits | 105.0032% | 1,137 |
| Total domestic deposits to total assets | 88.3593% | 1,430 |
| Equity capital to assets | 8.9901% | 5,178 |
| Core capital (leverage) ratio | 9.6202% | 4,013 |
| Tier 1 risk-based capital ratio | 10.0882% | 5,892 |
| Total risk-based capital ratio | 11.2664% | 5,859 |
| Memoranda: | ||
| Average total assets | $170,490,500 | 3,316 |
| Average earning assets | $166,837,000 | 3,190 |
| Average equity | $15,613,500 | 3,793 |
| Average total loans | $150,768,500 | 2,635 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 2,848 |
| Cost of funding earning assets | 0.6553% | 1,044 |
| Net interest margin | 3.4639% | 3,661 |
| Noninterest income to average assets | 0.7344% | 2,047 |
| Noninterest expense to average assets | 3.4952% | 1,294 |
| Loan and lease loss provision to assets | 0.2317% | 852 |
| Net operating income to assets | 0.4082% | 5,028 |
| Return on assets (ROA) | 0.4082% | 5,109 |
| Pretax return on assets | 0.4082% | 5,304 |
| Return on Equity (ROE) | 4.0519% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.0519% | 3,130 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5256% | 1,133 |
| Assets per employee ($millions) | 4.0938% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 90.5624% | 50 |
| Net loans and leases to deposits | 105.1708% | 389 |
| Net loans and leases to core deposits | 117.2238% | 568 |
| Total domestic deposits to total assets | 86.1099% | 2,586 |
| Equity capital to assets | 9.3486% | 4,734 |
| Core capital (leverage) ratio | 9.5727% | 4,082 |
| Tier 1 risk-based capital ratio | 10.2605% | 5,876 |
| Total risk-based capital ratio | 11.4693% | 5,815 |
| Memoranda: | ||
| Average total assets | $145,025,800 | 3,648 |
| Average earning assets | $142,382,400 | 3,508 |
| Average equity | $14,610,600 | 3,889 |
| Average total loans | $131,290,800 | 2,868 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,922 |
| Cost of funding earning assets | 0.6533% | 1,074 |
| Net interest margin | 3.4492% | 3,756 |
| Noninterest income to average assets | 0.7507% | 2,019 |
| Noninterest expense to average assets | 3.4736% | 1,337 |
| Loan and lease loss provision to assets | 0.2452% | 710 |
| Net operating income to assets | 0.4084% | 5,135 |
| Return on assets (ROA) | 0.4084% | 5,227 |
| Pretax return on assets | 0.4178% | 5,431 |
| Return on Equity (ROE) | 3.9728% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.9728% | 3,641 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9717% | 1,177 |
| Assets per employee ($millions) | 3.9685% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2249% | 3,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 90.0500% | 65 |
| Net loans and leases to deposits | 102.1944% | 537 |
| Net loans and leases to core deposits | 114.3426% | 654 |
| Total domestic deposits to total assets | 88.1164% | 1,495 |
| Equity capital to assets | 9.8121% | 4,374 |
| Core capital (leverage) ratio | 9.7575% | 3,956 |
| Tier 1 risk-based capital ratio | 10.9102% | 5,700 |
| Total risk-based capital ratio | 12.1533% | 5,625 |
| Memoranda: | ||
| Average total assets | $141,367,250 | 3,728 |
| Average earning assets | $138,772,500 | 3,591 |
| Average equity | $14,531,750 | 3,942 |
| Average total loans | $127,525,500 | 2,947 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 3,071 |
| Cost of funding earning assets | 0.6424% | 1,147 |
| Net interest margin | 3.4078% | 3,887 |
| Noninterest income to average assets | 0.6728% | 2,337 |
| Noninterest expense to average assets | 3.4423% | 1,389 |
| Loan and lease loss provision to assets | 0.3111% | 475 |
| Net operating income to assets | 0.2518% | 5,577 |
| Return on assets (ROA) | 0.2518% | 5,655 |
| Pretax return on assets | 0.2662% | 5,713 |
| Return on Equity (ROE) | 2.4094% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.4094% | 4,527 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6371% | 1,090 |
| Assets per employee ($millions) | 4.1318% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 3,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 90.0816% | 63 |
| Net loans and leases to deposits | 106.8271% | 343 |
| Net loans and leases to core deposits | 115.7171% | 600 |
| Total domestic deposits to total assets | 84.3246% | 3,432 |
| Equity capital to assets | 9.7470% | 4,349 |
| Core capital (leverage) ratio | 10.2188% | 3,312 |
| Tier 1 risk-based capital ratio | 10.8613% | 5,778 |
| Total risk-based capital ratio | 12.0872% | 5,719 |
| Memoranda: | ||
| Average total assets | $138,221,670 | 3,817 |
| Average earning assets | $135,747,000 | 3,667 |
| Average equity | $14,443,330 | 3,974 |
| Average total loans | $124,206,330 | 3,014 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,042 |
| Cost of funding earning assets | 0.6405% | 1,179 |
| Net interest margin | 3.4106% | 3,801 |
| Noninterest income to average assets | 0.7942% | 1,732 |
| Noninterest expense to average assets | 3.4687% | 1,374 |
| Loan and lease loss provision to assets | 0.2677% | 590 |
| Net operating income to assets | 0.3911% | 5,103 |
| Return on assets (ROA) | 0.3911% | 5,220 |
| Pretax return on assets | 0.4061% | 5,423 |
| Return on Equity (ROE) | 3.6071% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.6071% | 3,836 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7328% | 1,412 |
| Assets per employee ($millions) | 4.0026% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 3,773 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 89.0343% | 80 |
| Net loans and leases to deposits | 102.0646% | 451 |
| Net loans and leases to core deposits | 111.0831% | 701 |
| Total domestic deposits to total assets | 87.2333% | 2,248 |
| Equity capital to assets | 10.6549% | 3,365 |
| Core capital (leverage) ratio | 10.9030% | 2,513 |
| Tier 1 risk-based capital ratio | 11.7886% | 5,379 |
| Total risk-based capital ratio | 13.0207% | 5,293 |
| Memoranda: | ||
| Average total assets | $132,961,000 | 3,938 |
| Average earning assets | $130,533,000 | 3,764 |
| Average equity | $14,416,000 | 4,010 |
| Average total loans | $118,495,000 | 3,114 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,534 |
| Cost of funding earning assets | 0.6808% | 1,206 |
| Net interest margin | 3.3671% | 4,343 |
| Noninterest income to average assets | 0.5269% | 3,312 |
| Noninterest expense to average assets | 3.6282% | 1,254 |
| Loan and lease loss provision to assets | 0.1916% | 1,337 |
| Net operating income to assets | 0.0235% | 6,059 |
| Return on assets (ROA) | 0.0414% | 6,063 |
| Pretax return on assets | 0.0414% | 6,053 |
| Return on Equity (ROE) | 0.4264% | 6,052 |
| Retained earnings to average equity (ytd only) | 0.4264% | 5,583 |
| Net charge-offs to loans | 0.0517% | 3,795 |
| Credit loss provision to net charge-offs | 421.4286% | 619 |
| Earnings coverage of net charge-offs (x) | 4.7321% | 3,577 |
| Efficiency ratio | 94.4022% | 576 |
| Assets per employee ($millions) | 3.7095% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 3,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 86.9479% | 156 |
| Net loans and leases to deposits | 100.1873% | 612 |
| Net loans and leases to core deposits | 109.5564% | 799 |
| Total domestic deposits to total assets | 86.7854% | 2,398 |
| Equity capital to assets | 11.0387% | 2,856 |
| Core capital (leverage) ratio | 11.2374% | 2,184 |
| Tier 1 risk-based capital ratio | 12.8312% | 4,838 |
| Total risk-based capital ratio | 14.0815% | 4,749 |
| Memoranda: | ||
| Average total assets | $123,174,400 | 4,116 |
| Average earning assets | $121,320,000 | 3,929 |
| Average equity | $11,960,200 | 4,366 |
| Average total loans | $108,314,200 | 3,261 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 3,672 |
| Cost of funding earning assets | 0.6896% | 1,201 |
| Net interest margin | 3.3334% | 4,495 |
| Noninterest income to average assets | 0.4850% | 3,652 |
| Noninterest expense to average assets | 3.6726% | 1,165 |
| Loan and lease loss provision to assets | 0.2392% | 919 |
| Net operating income to assets | -0.1437% | 6,243 |
| Return on assets (ROA) | -0.1426% | 6,249 |
| Pretax return on assets | -0.1426% | 6,229 |
| Return on Equity (ROE) | -1.5248% | 6,266 |
| Retained earnings to average equity (ytd only) | -1.5248% | 6,035 |
| Net charge-offs to loans | 0.0699% | 3,199 |
| Credit loss provision to net charge-offs | 389.2857% | 724 |
| Earnings coverage of net charge-offs (x) | 1.5537% | 4,131 |
| Efficiency ratio | 97.4665% | 456 |
| Assets per employee ($millions) | 3.5647% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 4,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 90.0275% | 55 |
| Net loans and leases to deposits | 102.3286% | 485 |
| Net loans and leases to core deposits | 108.8867% | 805 |
| Total domestic deposits to total assets | 87.9788% | 1,781 |
| Equity capital to assets | 9.7272% | 4,521 |
| Core capital (leverage) ratio | 9.9375% | 3,760 |
| Tier 1 risk-based capital ratio | 10.9828% | 6,000 |
| Total risk-based capital ratio | 12.2331% | 5,947 |
| Memoranda: | ||
| Average total assets | $121,509,500 | 4,188 |
| Average earning assets | $119,674,250 | 3,999 |
| Average equity | $11,367,250 | 4,513 |
| Average total loans | $106,814,750 | 3,310 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 3,957 |
| Cost of funding earning assets | 0.6980% | 1,197 |
| Net interest margin | 3.2455% | 4,799 |
| Noninterest income to average assets | 0.4036% | 4,215 |
| Noninterest expense to average assets | 3.6853% | 1,164 |
| Loan and lease loss provision to assets | 0.3106% | 625 |
| Net operating income to assets | -0.3953% | 6,410 |
| Return on assets (ROA) | -0.3936% | 6,412 |
| Pretax return on assets | -0.3936% | 6,394 |
| Return on Equity (ROE) | -4.2660% | 6,416 |
| Retained earnings to average equity (ytd only) | -4.2660% | 6,193 |
| Net charge-offs to loans | 0.1072% | 2,607 |
| Credit loss provision to net charge-offs | 333.9286% | 784 |
| Earnings coverage of net charge-offs (x) | -0.9107% | 4,204 |
| Efficiency ratio | 102.3524% | 350 |
| Assets per employee ($millions) | 3.4197% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 4,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 89.3149% | 66 |
| Net loans and leases to deposits | 99.6077% | 578 |
| Net loans and leases to core deposits | 106.1421% | 891 |
| Total domestic deposits to total assets | 89.6666% | 985 |
| Equity capital to assets | 10.0510% | 4,037 |
| Core capital (leverage) ratio | 10.2546% | 3,261 |
| Tier 1 risk-based capital ratio | 11.7303% | 5,676 |
| Total risk-based capital ratio | 12.9813% | 5,622 |
| Memoranda: | ||
| Average total assets | $120,425,000 | 4,229 |
| Average earning assets | $118,624,670 | 4,046 |
| Average equity | $11,111,000 | 4,584 |
| Average total loans | $104,510,670 | 3,367 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 4,317 |
| Cost of funding earning assets | 0.7157% | 1,152 |
| Net interest margin | 3.1250% | 5,158 |
| Noninterest income to average assets | 0.3643% | 4,478 |
| Noninterest expense to average assets | 3.5234% | 1,445 |
| Loan and lease loss provision to assets | 0.5199% | 277 |
| Net operating income to assets | -0.5994% | 6,503 |
| Return on assets (ROA) | -0.5961% | 6,499 |
| Pretax return on assets | -0.5961% | 6,483 |
| Return on Equity (ROE) | -6.7596% | 6,510 |
| Retained earnings to average equity (ytd only) | -6.7596% | 6,227 |
| Net charge-offs to loans | 0.4560% | 796 |
| Credit loss provision to net charge-offs | 134.1880% | 1,353 |
| Earnings coverage of net charge-offs (x) | -0.2051% | 3,451 |
| Efficiency ratio | 102.3077% | 418 |
| Assets per employee ($millions) | 3.6020% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 4,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 85.5864% | 160 |
| Net loans and leases to deposits | 94.7156% | 733 |
| Net loans and leases to core deposits | 100.7287% | 1,053 |
| Total domestic deposits to total assets | 90.3615% | 883 |
| Equity capital to assets | 9.3163% | 4,745 |
| Core capital (leverage) ratio | 9.3276% | 4,530 |
| Tier 1 risk-based capital ratio | 11.0190% | 6,145 |
| Total risk-based capital ratio | 12.2691% | 6,098 |
| Memoranda: | ||
| Average total assets | $120,792,500 | 4,258 |
| Average earning assets | $119,040,500 | 4,064 |
| Average equity | $10,651,500 | 4,695 |
| Average total loans | $102,628,000 | 3,415 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 3,851 |
| Cost of funding earning assets | 0.7846% | 1,296 |
| Net interest margin | 3.2838% | 4,724 |
| Noninterest income to average assets | 0.4865% | 3,844 |
| Noninterest expense to average assets | 3.6279% | 1,403 |
| Loan and lease loss provision to assets | 0.1506% | 2,397 |
| Net operating income to assets | -0.0566% | 6,260 |
| Return on assets (ROA) | -0.0566% | 6,292 |
| Pretax return on assets | -0.0566% | 6,263 |
| Return on Equity (ROE) | -0.6551% | 6,304 |
| Retained earnings to average equity (ytd only) | -0.6551% | 6,001 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4743% | 566 |
| Assets per employee ($millions) | 4.0906% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 4,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 82.2976% | 387 |
| Net loans and leases to deposits | 91.3270% | 1,130 |
| Net loans and leases to core deposits | 96.9437% | 1,388 |
| Total domestic deposits to total assets | 90.1131% | 1,023 |
| Equity capital to assets | 8.3354% | 5,754 |
| Core capital (leverage) ratio | 8.7406% | 5,371 |
| Tier 1 risk-based capital ratio | 10.3996% | 6,401 |
| Total risk-based capital ratio | 11.6500% | 6,352 |
| Memoranda: | ||
| Average total assets | $109,566,800 | 4,507 |
| Average earning assets | $107,955,200 | 4,312 |
| Average equity | $9,464,600 | 4,990 |
| Average total loans | $95,412,800 | 3,566 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 3,787 |
| Cost of funding earning assets | 0.7986% | 1,332 |
| Net interest margin | 3.2951% | 4,656 |
| Noninterest income to average assets | 0.5043% | 3,776 |
| Noninterest expense to average assets | 3.7347% | 1,196 |
| Loan and lease loss provision to assets | 0.2070% | 1,753 |
| Net operating income to assets | -0.1919% | 6,462 |
| Return on assets (ROA) | -0.1919% | 6,484 |
| Pretax return on assets | -0.1919% | 6,469 |
| Return on Equity (ROE) | -2.1997% | 6,491 |
| Retained earnings to average equity (ytd only) | -2.1997% | 6,287 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5985% | 478 |
| Assets per employee ($millions) | 4.1046% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 4,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 84.6443% | 207 |
| Net loans and leases to deposits | 93.5349% | 860 |
| Net loans and leases to core deposits | 99.6527% | 1,145 |
| Total domestic deposits to total assets | 90.4949% | 745 |
| Equity capital to assets | 7.9632% | 6,172 |
| Core capital (leverage) ratio | 8.2826% | 5,991 |
| Tier 1 risk-based capital ratio | 9.4461% | 6,687 |
| Total risk-based capital ratio | 10.6960% | 6,665 |
| Memoranda: | ||
| Average total assets | $106,279,000 | 4,633 |
| Average earning assets | $104,679,000 | 4,440 |
| Average equity | $9,273,500 | 5,076 |
| Average total loans | $93,706,500 | 3,633 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 3,797 |
| Cost of funding earning assets | 0.8154% | 1,334 |
| Net interest margin | 3.2694% | 4,689 |
| Noninterest income to average assets | 0.4836% | 3,939 |
| Noninterest expense to average assets | 3.6887% | 1,264 |
| Loan and lease loss provision to assets | 0.2302% | 1,626 |
| Net operating income to assets | -0.2166% | 6,499 |
| Return on assets (ROA) | -0.2166% | 6,531 |
| Pretax return on assets | -0.2166% | 6,506 |
| Return on Equity (ROE) | -2.4050% | 6,546 |
| Retained earnings to average equity (ytd only) | -2.4050% | 6,236 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6343% | 498 |
| Assets per employee ($millions) | 3.8641% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 4,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 5,880 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 88.7055% | 72 |
| Net loans and leases to deposits | 102.8539% | 301 |
| Net loans and leases to core deposits | 111.3258% | 509 |
| Total domestic deposits to total assets | 86.2442% | 3,236 |
| Equity capital to assets | 8.4986% | 5,765 |
| Core capital (leverage) ratio | 8.9417% | 5,086 |
| Tier 1 risk-based capital ratio | 9.6763% | 6,699 |
| Total risk-based capital ratio | 10.9268% | 6,676 |
| Memoranda: | ||
| Average total assets | $103,396,000 | 4,735 |
| Average earning assets | $101,792,000 | 4,522 |
| Average equity | $9,314,000 | 5,104 |
| Average total loans | $92,100,670 | 3,671 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 3,675 |
| Cost of funding earning assets | 0.8281% | 1,381 |
| Net interest margin | 3.2843% | 4,577 |
| Noninterest income to average assets | 0.5505% | 3,439 |
| Noninterest expense to average assets | 3.8021% | 1,108 |
| Loan and lease loss provision to assets | 0.0832% | 3,264 |
| Net operating income to assets | -0.0990% | 6,439 |
| Return on assets (ROA) | -0.0990% | 6,490 |
| Pretax return on assets | -0.0990% | 6,482 |
| Return on Equity (ROE) | -1.0668% | 6,506 |
| Retained earnings to average equity (ytd only) | -1.0668% | 5,962 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4184% | 531 |
| Assets per employee ($millions) | 3.7855% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 5,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,912 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 86.3377% | 112 |
| Net loans and leases to deposits | 96.8629% | 499 |
| Net loans and leases to core deposits | 104.4184% | 697 |
| Total domestic deposits to total assets | 89.1339% | 1,604 |
| Equity capital to assets | 9.1539% | 5,307 |
| Core capital (leverage) ratio | 9.3535% | 4,318 |
| Tier 1 risk-based capital ratio | 10.4541% | 6,592 |
| Total risk-based capital ratio | 11.6862% | 6,580 |
| Memoranda: | ||
| Average total assets | $100,997,000 | 4,840 |
| Average earning assets | $99,504,000 | 4,639 |
| Average equity | $9,373,500 | 5,142 |
| Average total loans | $89,565,000 | 3,759 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 3,443 |
| Cost of funding earning assets | 0.9150% | 1,847 |
| Net interest margin | 3.5741% | 4,210 |
| Noninterest income to average assets | 0.3886% | 4,695 |
| Noninterest expense to average assets | 4.1726% | 800 |
| Loan and lease loss provision to assets | 0.3502% | 1,907 |
| Net operating income to assets | -0.6043% | 6,614 |
| Return on assets (ROA) | -0.5603% | 6,634 |
| Pretax return on assets | -0.5603% | 6,605 |
| Return on Equity (ROE) | -5.1541% | 6,600 |
| Retained earnings to average equity (ytd only) | -5.1541% | 6,436 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4860% | 401 |
| Assets per employee ($millions) | 3.8379% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,106 |
| Loan loss allowance to noncurrent loans | 488.2353% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 6,004 |
| Noncurrent loans to loans | 0.2461% | 5,861 |
| Net loans and leases to total assets | 88.8972% | 70 |
| Net loans and leases to deposits | 100.1581% | 408 |
| Net loans and leases to core deposits | 108.2070% | 604 |
| Total domestic deposits to total assets | 88.7569% | 1,729 |
| Equity capital to assets | 9.4111% | 4,983 |
| Core capital (leverage) ratio | 9.5421% | 4,050 |
| Tier 1 risk-based capital ratio | 10.8021% | 6,427 |
| Total risk-based capital ratio | 12.0477% | 6,403 |
| Memoranda: | ||
| Average total assets | $88,530,800 | 5,124 |
| Average earning assets | $87,434,200 | 4,928 |
| Average equity | $9,623,400 | 5,070 |
| Average total loans | $79,266,400 | 4,060 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 3,627 |
| Cost of funding earning assets | 0.9305% | 1,976 |
| Net interest margin | 3.5725% | 4,345 |
| Noninterest income to average assets | 0.2940% | 5,421 |
| Noninterest expense to average assets | 4.1718% | 751 |
| Loan and lease loss provision to assets | 0.3889% | 1,658 |
| Net operating income to assets | -0.7373% | 6,792 |
| Return on assets (ROA) | -0.6829% | 6,798 |
| Pretax return on assets | -0.6829% | 6,776 |
| Return on Equity (ROE) | -6.0458% | 6,757 |
| Retained earnings to average equity (ytd only) | -6.0458% | 6,675 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1131% | 321 |
| Assets per employee ($millions) | 3.7733% | 4,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,459 |
| Loan loss allowance to noncurrent loans | 461.0860% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.7315% | 4,850 |
| Noncurrent loans to loans | 0.2525% | 5,983 |
| Net loans and leases to total assets | 91.7187% | 26 |
| Net loans and leases to deposits | 106.0488% | 234 |
| Net loans and leases to core deposits | 113.1097% | 458 |
| Total domestic deposits to total assets | 86.4872% | 2,993 |
| Equity capital to assets | 10.0294% | 4,451 |
| Core capital (leverage) ratio | 10.2264% | 3,259 |
| Tier 1 risk-based capital ratio | 11.0998% | 6,443 |
| Total risk-based capital ratio | 12.3012% | 6,432 |
| Memoranda: | ||
| Average total assets | $85,717,000 | 5,253 |
| Average earning assets | $84,682,000 | 5,052 |
| Average equity | $9,681,500 | 5,103 |
| Average total loans | $76,636,500 | 4,180 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5029% | 3,754 |
| Cost of funding earning assets | 0.9386% | 2,129 |
| Net interest margin | 3.5643% | 4,402 |
| Noninterest income to average assets | 0.1907% | 6,193 |
| Noninterest expense to average assets | 4.1765% | 752 |
| Loan and lease loss provision to assets | 0.4128% | 1,592 |
| Net operating income to assets | -0.8691% | 6,876 |
| Return on assets (ROA) | -0.7870% | 6,878 |
| Pretax return on assets | -0.7870% | 6,847 |
| Return on Equity (ROE) | -6.6838% | 6,822 |
| Retained earnings to average equity (ytd only) | -6.6838% | 6,705 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2648% | 303 |
| Assets per employee ($millions) | 3.7248% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 5,396 |
| Loan loss allowance to noncurrent loans | 136.4296% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 4,867 |
| Noncurrent loans to loans | 0.8731% | 4,749 |
| Net loans and leases to total assets | 87.2196% | 104 |
| Net loans and leases to deposits | 102.5638% | 319 |
| Net loans and leases to core deposits | 109.8169% | 581 |
| Total domestic deposits to total assets | 85.0394% | 3,836 |
| Equity capital to assets | 10.6963% | 3,464 |
| Core capital (leverage) ratio | 11.3247% | 2,026 |
| Tier 1 risk-based capital ratio | 12.3160% | 5,712 |
| Total risk-based capital ratio | 13.5310% | 5,712 |
| Memoranda: | ||
| Average total assets | $82,845,000 | 5,355 |
| Average earning assets | $82,035,670 | 5,150 |
| Average equity | $9,755,000 | 5,088 |
| Average total loans | $73,002,000 | 4,313 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 3,704 |
| Cost of funding earning assets | 0.9694% | 2,160 |
| Net interest margin | 3.5833% | 4,336 |
| Noninterest income to average assets | 0.2111% | 6,109 |
| Noninterest expense to average assets | 3.9462% | 999 |
| Loan and lease loss provision to assets | 0.3670% | 1,718 |
| Net operating income to assets | -0.5530% | 6,856 |
| Return on assets (ROA) | -0.3821% | 6,797 |
| Pretax return on assets | -0.3821% | 6,772 |
| Return on Equity (ROE) | -3.0858% | 6,762 |
| Retained earnings to average equity (ytd only) | -3.0858% | 6,407 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9465% | 434 |
| Assets per employee ($millions) | 3.7890% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 5,632 |
| Loan loss allowance to noncurrent loans | 122.2061% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 4,789 |
| Noncurrent loans to loans | 0.9584% | 4,758 |
| Net loans and leases to total assets | 89.2922% | 51 |
| Net loans and leases to deposits | 102.1700% | 300 |
| Net loans and leases to core deposits | 110.1127% | 531 |
| Total domestic deposits to total assets | 87.3957% | 2,726 |
| Equity capital to assets | 12.3165% | 1,841 |
| Core capital (leverage) ratio | 12.4290% | 1,370 |
| Tier 1 risk-based capital ratio | 13.8344% | 4,584 |
| Total risk-based capital ratio | 15.0257% | 4,610 |
| Memoranda: | ||
| Average total assets | $79,570,000 | 5,487 |
| Average earning assets | $78,809,500 | 5,273 |
| Average equity | $9,851,500 | 5,080 |
| Average total loans | $70,048,000 | 4,448 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 5,245 |
| Cost of funding earning assets | 1.1100% | 2,605 |
| Net interest margin | 3.3425% | 5,673 |
| Noninterest income to average assets | 0.1505% | 6,395 |
| Noninterest expense to average assets | 3.8706% | 1,227 |
| Loan and lease loss provision to assets | 0.4777% | 2,214 |
| Net operating income to assets | -0.8862% | 6,694 |
| Return on assets (ROA) | -0.8862% | 6,721 |
| Pretax return on assets | -0.8862% | 6,685 |
| Return on Equity (ROE) | -5.6600% | 6,563 |
| Retained earnings to average equity (ytd only) | -5.6600% | 6,488 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8012% | 404 |
| Assets per employee ($millions) | 3.9786% | 3,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 5,704 |
| Loan loss allowance to noncurrent loans | 111.6110% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8659% | 4,894 |
| Noncurrent loans to loans | 1.0102% | 4,685 |
| Net loans and leases to total assets | 84.7497% | 177 |
| Net loans and leases to deposits | 97.1491% | 616 |
| Net loans and leases to core deposits | 104.7061% | 858 |
| Total domestic deposits to total assets | 87.2367% | 2,619 |
| Equity capital to assets | 12.4453% | 1,824 |
| Core capital (leverage) ratio | 13.1511% | 1,084 |
| Tier 1 risk-based capital ratio | 14.8504% | 3,726 |
| Total risk-based capital ratio | 16.0093% | 3,765 |
| Memoranda: | ||
| Average total assets | $65,106,800 | 5,893 |
| Average earning assets | $64,502,000 | 5,718 |
| Average equity | $10,194,400 | 4,968 |
| Average total loans | $52,401,600 | 5,175 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 5,620 |
| Cost of funding earning assets | 1.1535% | 2,616 |
| Net interest margin | 3.2418% | 6,041 |
| Noninterest income to average assets | 0.1149% | 6,684 |
| Noninterest expense to average assets | 3.8618% | 1,210 |
| Loan and lease loss provision to assets | 0.3317% | 2,889 |
| Net operating income to assets | -0.8673% | 6,830 |
| Return on assets (ROA) | -0.8673% | 6,866 |
| Pretax return on assets | -0.8673% | 6,815 |
| Return on Equity (ROE) | -5.1944% | 6,684 |
| Retained earnings to average equity (ytd only) | -5.1944% | 6,606 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1017% | 347 |
| Assets per employee ($millions) | 3.5788% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 5,826 |
| Loan loss allowance to noncurrent loans | 88.4226% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 4,812 |
| Noncurrent loans to loans | 1.2626% | 4,424 |
| Net loans and leases to total assets | 75.6102% | 1,039 |
| Net loans and leases to deposits | 88.3487% | 1,389 |
| Net loans and leases to core deposits | 90.5665% | 2,181 |
| Total domestic deposits to total assets | 85.5816% | 3,451 |
| Equity capital to assets | 14.0985% | 1,125 |
| Core capital (leverage) ratio | 14.7367% | 721 |
| Tier 1 risk-based capital ratio | 18.6284% | 2,051 |
| Total risk-based capital ratio | 19.7630% | 2,046 |
| Memoranda: | ||
| Average total assets | $61,490,500 | 6,048 |
| Average earning assets | $60,912,000 | 5,876 |
| Average equity | $10,267,250 | 4,975 |
| Average total loans | $48,450,500 | 5,369 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 5,356 |
| Cost of funding earning assets | 1.1780% | 2,719 |
| Net interest margin | 3.3220% | 5,797 |
| Noninterest income to average assets | 0.0585% | 7,012 |
| Noninterest expense to average assets | 3.8673% | 1,247 |
| Loan and lease loss provision to assets | 0.2752% | 3,180 |
| Net operating income to assets | -0.7948% | 6,869 |
| Return on assets (ROA) | -0.7948% | 6,878 |
| Pretax return on assets | -0.7948% | 6,821 |
| Return on Equity (ROE) | -4.4741% | 6,680 |
| Retained earnings to average equity (ytd only) | -4.4741% | 6,523 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5190% | 394 |
| Assets per employee ($millions) | 3.8149% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,922 |
| Loan loss allowance to noncurrent loans | 77.8582% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.0655% | 4,755 |
| Noncurrent loans to loans | 1.4246% | 4,284 |
| Net loans and leases to total assets | 73.9642% | 1,422 |
| Net loans and leases to deposits | 88.9713% | 1,377 |
| Net loans and leases to core deposits | 91.0693% | 2,245 |
| Total domestic deposits to total assets | 83.1326% | 4,702 |
| Equity capital to assets | 15.7926% | 639 |
| Core capital (leverage) ratio | 16.7109% | 429 |
| Tier 1 risk-based capital ratio | 20.9316% | 1,434 |
| Total risk-based capital ratio | 22.0355% | 1,434 |
| Memoranda: | ||
| Average total assets | $58,129,000 | 6,203 |
| Average earning assets | $57,555,330 | 6,039 |
| Average equity | $10,326,000 | 4,969 |
| Average total loans | $46,357,670 | 5,506 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 4,895 |
| Cost of funding earning assets | 1.1952% | 2,845 |
| Net interest margin | 3.4160% | 5,368 |
| Noninterest income to average assets | 0.0949% | 6,943 |
| Noninterest expense to average assets | 3.9878% | 1,052 |
| Loan and lease loss provision to assets | 0.3798% | 2,288 |
| Net operating income to assets | -0.8910% | 7,008 |
| Return on assets (ROA) | -0.8910% | 7,008 |
| Pretax return on assets | -0.8910% | 6,956 |
| Return on Equity (ROE) | -4.7068% | 6,794 |
| Retained earnings to average equity (ytd only) | -4.7068% | 6,492 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7059% | 417 |
| Assets per employee ($millions) | 3.8525% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 6,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 80.4281% | 475 |
| Net loans and leases to deposits | 98.2019% | 562 |
| Net loans and leases to core deposits | 102.7366% | 1,147 |
| Total domestic deposits to total assets | 81.9008% | 5,348 |
| Equity capital to assets | 17.8431% | 376 |
| Core capital (leverage) ratio | 18.5319% | 297 |
| Tier 1 risk-based capital ratio | 22.3383% | 1,170 |
| Total risk-based capital ratio | 23.4435% | 1,174 |
| Memoranda: | ||
| Average total assets | $54,767,000 | 6,351 |
| Average earning assets | $54,215,500 | 6,192 |
| Average equity | $10,368,000 | 4,950 |
| Average total loans | $45,283,500 | 5,597 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1980% | 6,925 |
| Cost of funding earning assets | 1.0812% | 5,247 |
| Net interest margin | 3.1169% | 6,471 |
| Noninterest income to average assets | 0.0925% | 6,931 |
| Noninterest expense to average assets | 5.2698% | 348 |
| Loan and lease loss provision to assets | 0.8096% | 2,015 |
| Net operating income to assets | -2.9110% | 7,275 |
| Return on assets (ROA) | -2.9110% | 7,296 |
| Pretax return on assets | -2.9110% | 7,272 |
| Return on Equity (ROE) | -10.6371% | 6,752 |
| Retained earnings to average equity (ytd only) | -10.6371% | 6,693 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.3249% | 145 |
| Assets per employee ($millions) | 3.6962% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 6,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 83.3324% | 354 |
| Net loans and leases to deposits | 104.7261% | 374 |
| Net loans and leases to core deposits | 110.3372% | 900 |
| Total domestic deposits to total assets | 79.5718% | 5,945 |
| Equity capital to assets | 20.1461% | 255 |
| Core capital (leverage) ratio | 21.6847% | 177 |
| Tier 1 risk-based capital ratio | 24.9093% | 855 |
| Total risk-based capital ratio | 26.0030% | 853 |
| Memoranda: | ||
| Average total assets | $40,020,200 | 6,867 |
| Average earning assets | $39,494,600 | 6,734 |
| Average equity | $10,952,200 | 4,874 |
| Average total loans | $28,973,600 | 6,445 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 7,296 |
| Cost of funding earning assets | 1.0392% | 5,746 |
| Net interest margin | 2.9389% | 6,947 |
| Noninterest income to average assets | 0.0971% | 7,061 |
| Noninterest expense to average assets | 5.6907% | 251 |
| Loan and lease loss provision to assets | 0.8268% | 1,832 |
| Net operating income to assets | -3.5230% | 7,522 |
| Return on assets (ROA) | -3.5230% | 7,533 |
| Pretax return on assets | -3.5230% | 7,498 |
| Return on Equity (ROE) | -11.7884% | 7,001 |
| Retained earnings to average equity (ytd only) | -11.7884% | 6,965 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.0360% | 101 |
| Assets per employee ($millions) | 3.1726% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 6,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 80.6268% | 650 |
| Net loans and leases to deposits | 106.7167% | 333 |
| Net loans and leases to core deposits | 113.7756% | 846 |
| Total domestic deposits to total assets | 75.5522% | 6,728 |
| Equity capital to assets | 23.9886% | 145 |
| Core capital (leverage) ratio | 24.8752% | 128 |
| Tier 1 risk-based capital ratio | 29.9180% | 522 |
| Total risk-based capital ratio | 30.9437% | 515 |
| Memoranda: | ||
| Average total assets | $37,088,500 | 7,049 |
| Average earning assets | $36,566,000 | 6,934 |
| Average equity | $11,084,000 | 4,902 |
| Average total loans | $25,322,000 | 6,739 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 7,581 |
| Cost of funding earning assets | 0.9375% | 6,432 |
| Net interest margin | 2.6367% | 7,317 |
| Noninterest income to average assets | 0.0981% | 7,103 |
| Noninterest expense to average assets | 6.0383% | 222 |
| Loan and lease loss provision to assets | 1.0045% | 1,449 |
| Net operating income to assets | -4.3469% | 7,652 |
| Return on assets (ROA) | -4.3469% | 7,656 |
| Pretax return on assets | -4.3469% | 7,637 |
| Return on Equity (ROE) | -13.4141% | 7,090 |
| Retained earnings to average equity (ytd only) | -13.4141% | 7,052 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 223.9829% | 73 |
| Assets per employee ($millions) | 2.9574% | 6,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 6,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.7604% | 1,964 |
| Net loans and leases to deposits | 100.6990% | 665 |
| Net loans and leases to core deposits | 109.0640% | 1,230 |
| Total domestic deposits to total assets | 73.2483% | 7,068 |
| Equity capital to assets | 26.2855% | 120 |
| Core capital (leverage) ratio | 28.9502% | 87 |
| Tier 1 risk-based capital ratio | 35.1338% | 345 |
| Total risk-based capital ratio | 36.1318% | 347 |
| Memoranda: | ||
| Average total assets | $34,645,670 | 7,189 |
| Average earning assets | $34,133,670 | 7,077 |
| Average equity | $11,227,000 | 4,875 |
| Average total loans | $21,704,000 | 6,983 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1333% | 7,785 |
| Cost of funding earning assets | 0.7931% | 7,109 |
| Net interest margin | 2.3402% | 7,569 |
| Noninterest income to average assets | 0.0640% | 7,403 |
| Noninterest expense to average assets | 6.5372% | 168 |
| Loan and lease loss provision to assets | 0.9211% | 1,378 |
| Net operating income to assets | -5.0916% | 7,788 |
| Return on assets (ROA) | -5.0916% | 7,792 |
| Pretax return on assets | -5.0916% | 7,769 |
| Return on Equity (ROE) | -13.9661% | 7,291 |
| Retained earnings to average equity (ytd only) | -13.9661% | 7,171 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 276.2162% | 53 |
| Assets per employee ($millions) | 2.5194% | 7,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 6,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 61.9504% | 4,770 |
| Net loans and leases to deposits | 94.6980% | 1,270 |
| Net loans and leases to core deposits | 100.6199% | 2,070 |
| Total domestic deposits to total assets | 65.4189% | 7,636 |
| Equity capital to assets | 34.2025% | 67 |
| Core capital (leverage) ratio | 36.0777% | 63 |
| Tier 1 risk-based capital ratio | 52.6796% | 137 |
| Total risk-based capital ratio | 53.6489% | 136 |
| Memoranda: | ||
| Average total assets | $31,267,000 | 7,396 |
| Average earning assets | $30,766,000 | 7,288 |
| Average equity | $11,399,000 | 4,870 |
| Average total loans | $17,132,500 | 7,307 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9378% | 7,976 |
| Cost of funding earning assets | 0.2906% | 7,908 |
| Net interest margin | 0.6472% | 7,955 |
| Noninterest income to average assets | 0.0692% | 7,406 |
| Noninterest expense to average assets | 5.5411% | 387 |
| Loan and lease loss provision to assets | 0.5792% | 3,489 |
| Net operating income to assets | -5.4158% | 7,793 |
| Return on assets (ROA) | -5.4158% | 7,784 |
| Pretax return on assets | -5.4158% | 7,749 |
| Return on Equity (ROE) | -10.3958% | 6,652 |
| Retained earnings to average equity (ytd only) | -10.3958% | 6,549 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 786.5031% | 21 |
| Assets per employee ($millions) | 2.2909% | 7,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 6,521 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 45.7827% | 7,001 |
| Net loans and leases to deposits | 75.4816% | 4,821 |
| Net loans and leases to core deposits | 94.0345% | 4,671 |
| Total domestic deposits to total assets | 60.6541% | 7,788 |
| Equity capital to assets | 38.9363% | 62 |
| Core capital (leverage) ratio | 45.0558% | 55 |
| Tier 1 risk-based capital ratio | 78.0770% | 76 |
| Total risk-based capital ratio | 78.9793% | 76 |
| Memoranda: | ||
| Average total assets | $23,136,000 | 7,694 |
| Average earning assets | $22,711,670 | 7,628 |
| Average equity | $12,053,000 | 4,735 |
| Average total loans | $6,605,000 | 7,841 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4464% | 8,078 |
| Cost of funding earning assets | 0.1648% | 8,041 |
| Net interest margin | 0.2816% | 8,067 |
| Noninterest income to average assets | 0.0135% | 7,792 |
| Noninterest expense to average assets | 5.2961% | 407 |
| Loan and lease loss provision to assets | 0.3903% | 3,974 |
| Net operating income to assets | -5.3970% | 7,878 |
| Return on assets (ROA) | -5.3970% | 7,877 |
| Pretax return on assets | -5.3970% | 7,854 |
| Return on Equity (ROE) | -8.7067% | 6,787 |
| Retained earnings to average equity (ytd only) | -8.7067% | 6,676 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,830.2326% | 7 |
| Assets per employee ($millions) | 1.9812% | 7,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 6,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 23.9800% | 7,902 |
| Net loans and leases to deposits | 49.1042% | 7,453 |
| Net loans and leases to core deposits | 58.5378% | 7,449 |
| Total domestic deposits to total assets | 48.8349% | 7,984 |
| Equity capital to assets | 50.6730% | 49 |
| Core capital (leverage) ratio | 63.1163% | 40 |
| Tier 1 risk-based capital ratio | 165.2991% | 43 |
| Total risk-based capital ratio | 166.0950% | 43 |
| Memoranda: | ||
| Average total assets | $19,813,000 | 7,853 |
| Average earning assets | $19,412,500 | 7,798 |
| Average equity | $12,281,500 | 4,723 |
| Average total loans | $3,023,000 | 8,019 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1032% | 8,191 |
| Cost of funding earning assets | 0.0387% | 8,166 |
| Net interest margin | 0.0645% | 8,177 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 4.2266% | 1,039 |
| Loan and lease loss provision to assets | 0.0379% | 6,859 |
| Net operating income to assets | -4.2014% | 7,857 |
| Return on assets (ROA) | -4.2014% | 7,852 |
| Pretax return on assets | -4.2014% | 7,771 |
| Return on Equity (ROE) | -5.3212% | 6,644 |
| Retained earnings to average equity (ytd only) | -5.3212% | 6,350 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6,700.0000% | 3 |
| Assets per employee ($millions) | 1.7613% | 7,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 5,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 1.7916% | 8,134 |
| Net loans and leases to deposits | 8.9364% | 8,123 |
| Net loans and leases to core deposits | 10.3612% | 8,115 |
| Total domestic deposits to total assets | 20.0479% | 8,135 |
| Equity capital to assets | 78.9553% | 32 |
| Core capital (leverage) ratio | 89.1898% | 15 |
| Tier 1 risk-based capital ratio | 231.9926% | 29 |
| Total risk-based capital ratio | 232.0482% | 30 |
| Memoranda: | ||
| Average total assets | $15,852,000 | 8,045 |
| Average earning assets | $15,504,000 | 7,990 |
| Average equity | $12,516,000 | 4,673 |
| Average total loans | $287,000 | 8,136 |