Home > LincolnWay Community Bank > Performance and Condition Ratios
LincolnWay Community Bank, Performance and Condition Ratios
| 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 | 5.4252% | 167 |
| Cost of funding earning assets | 0.3606% | 2,396 |
| Net interest margin | 5.0645% | 129 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 3.5796% | 457 |
| Loan and lease loss provision to assets | 1.2600% | 35 |
| Net operating income to assets | 0.3107% | 4,357 |
| Return on assets (ROA) | 0.3107% | 4,331 |
| Pretax return on assets | 0.3527% | 4,324 |
| Return on Equity (ROE) | 2.9000% | 4,302 |
| Retained earnings to average equity (ytd only) | -14.8949% | 4,674 |
| Net charge-offs to loans | 2.0770% | 30 |
| Credit loss provision to net charge-offs | 87.4529% | 1,648 |
| Earnings coverage of net charge-offs (x) | 1.1196% | 2,546 |
| Efficiency ratio | 68.9576% | 1,833 |
| Assets per employee ($millions) | 9.6340% | 752 |
| Cash dividends to net income (ytd only)* | 613.9586% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 3,904 |
| Loan loss allowance to noncurrent loans | 84.7688% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 694 |
| Noncurrent loans to loans | 1.0097% | 720 |
| Net loans and leases to total assets | 68.1300% | 1,817 |
| Net loans and leases to deposits | 74.3611% | 2,227 |
| Net loans and leases to core deposits | 77.8807% | 2,285 |
| Total domestic deposits to total assets | 91.6200% | 742 |
| Equity capital to assets | 8.3146% | 2,840 |
| Core capital (leverage) ratio | 9.0371% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3793% | 2,619 |
| Memoranda: | ||
| Average total assets | $295,141,400 | 2,472 |
| Average earning assets | $283,955,000 | 2,423 |
| Average equity | $31,641,800 | 2,263 |
| Average total loans | $204,529,600 | 2,199 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 164 |
| Cost of funding earning assets | 0.2631% | 2,566 |
| Net interest margin | 4.9272% | 131 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.7016% | 1,469 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.7583% | 463 |
| Return on assets (ROA) | 1.7583% | 453 |
| Pretax return on assets | 2.4478% | 227 |
| Return on Equity (ROE) | 15.4500% | 1,090 |
| Retained earnings to average equity (ytd only) | 14.0681% | 453 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.7002% | 3,953 |
| Assets per employee ($millions) | 9.2678% | 811 |
| Cash dividends to net income (ytd only)* | 8.9337% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0866% | 3,078 |
| Loan loss allowance to noncurrent loans | 106.6636% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.7213% | 713 |
| Noncurrent loans to loans | 1.0187% | 748 |
| Net loans and leases to total assets | 70.0300% | 1,476 |
| Net loans and leases to deposits | 79.7278% | 1,591 |
| Net loans and leases to core deposits | 82.8051% | 1,720 |
| Total domestic deposits to total assets | 87.8400% | 2,473 |
| Equity capital to assets | 11.3093% | 1,065 |
| Core capital (leverage) ratio | 11.3026% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0654% | 1,408 |
| Memoranda: | ||
| Average total assets | $289,446,250 | 2,518 |
| Average earning assets | $278,690,250 | 2,469 |
| Average equity | $32,943,750 | 2,234 |
| Average total loans | $201,042,500 | 2,219 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0556% | 161 |
| Cost of funding earning assets | 0.2035% | 2,871 |
| Net interest margin | 4.8521% | 119 |
| Noninterest income to average assets | 0.4021% | 2,746 |
| Noninterest expense to average assets | 2.6600% | 1,481 |
| Loan and lease loss provision to assets | -0.1056% | 4,602 |
| Net operating income to assets | 1.8114% | 329 |
| Return on assets (ROA) | 1.8114% | 326 |
| Pretax return on assets | 2.5164% | 164 |
| Return on Equity (ROE) | 15.8787% | 724 |
| Retained earnings to average equity (ytd only) | 14.1315% | 345 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4583% | 4,090 |
| Assets per employee ($millions) | 8.4686% | 1,077 |
| Cash dividends to net income (ytd only)* | 11.0031% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,918 |
| Loan loss allowance to noncurrent loans | 102.1306% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 683 |
| Noncurrent loans to loans | 1.1277% | 723 |
| Net loans and leases to total assets | 67.1591% | 1,561 |
| Net loans and leases to deposits | 76.6252% | 1,637 |
| Net loans and leases to core deposits | 80.1256% | 1,708 |
| Total domestic deposits to total assets | 87.6463% | 2,713 |
| Equity capital to assets | 11.6479% | 979 |
| Core capital (leverage) ratio | 11.7507% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7334% | 1,244 |
| Memoranda: | ||
| Average total assets | $283,982,667 | 2,568 |
| Average earning assets | $273,243,333 | 2,524 |
| Average equity | $32,395,667 | 2,301 |
| Average total loans | $195,875,000 | 2,263 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 239 |
| Cost of funding earning assets | 0.1784% | 3,106 |
| Net interest margin | 4.4758% | 179 |
| Noninterest income to average assets | 0.3532% | 2,981 |
| Noninterest expense to average assets | 2.9162% | 929 |
| Loan and lease loss provision to assets | -0.2128% | 4,695 |
| Net operating income to assets | 1.4042% | 791 |
| Return on assets (ROA) | 1.4042% | 785 |
| Pretax return on assets | 1.9546% | 397 |
| Return on Equity (ROE) | 12.4432% | 1,184 |
| Retained earnings to average equity (ytd only) | 12.4432% | 539 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6066% | 3,189 |
| Assets per employee ($millions) | 8.4464% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 3,081 |
| Loan loss allowance to noncurrent loans | 69.6876% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 409 |
| Noncurrent loans to loans | 1.6555% | 478 |
| Net loans and leases to total assets | 67.2168% | 1,292 |
| Net loans and leases to deposits | 76.1651% | 1,426 |
| Net loans and leases to core deposits | 79.7343% | 1,503 |
| Total domestic deposits to total assets | 88.2515% | 2,410 |
| Equity capital to assets | 11.2491% | 1,214 |
| Core capital (leverage) ratio | 11.5097% | 1,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1350% | 1,475 |
| Memoranda: | ||
| Average total assets | $282,008,500 | 2,593 |
| Average earning assets | $271,236,500 | 2,548 |
| Average equity | $31,824,500 | 2,396 |
| Average total loans | $196,000,000 | 2,256 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1245% | 220 |
| Cost of funding earning assets | 0.3694% | 1,761 |
| Net interest margin | 4.7551% | 188 |
| Noninterest income to average assets | 0.4529% | 2,802 |
| Noninterest expense to average assets | 2.8932% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5319% | 952 |
| Return on assets (ROA) | 1.5319% | 989 |
| Pretax return on assets | 2.1258% | 473 |
| Return on Equity (ROE) | 13.5510% | 1,296 |
| Retained earnings to average equity (ytd only) | 4.1731% | 3,157 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6451% | 3,500 |
| Assets per employee ($millions) | 8.1423% | 1,258 |
| Cash dividends to net income (ytd only)* | 69.2048% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,782 |
| Loan loss allowance to noncurrent loans | 66.7315% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 335 |
| Noncurrent loans to loans | 1.8306% | 454 |
| Net loans and leases to total assets | 70.1895% | 1,023 |
| Net loans and leases to deposits | 80.0923% | 1,206 |
| Net loans and leases to core deposits | 84.1239% | 1,322 |
| Total domestic deposits to total assets | 87.6358% | 2,227 |
| Equity capital to assets | 11.3221% | 1,591 |
| Core capital (leverage) ratio | 11.1687% | 1,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6674% | 1,624 |
| Memoranda: | ||
| Average total assets | $270,913,600 | 2,595 |
| Average earning assets | $260,140,800 | 2,551 |
| Average equity | $30,625,000 | 2,491 |
| Average total loans | $201,677,200 | 2,224 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2488% | 208 |
| Cost of funding earning assets | 0.4041% | 1,669 |
| Net interest margin | 4.8448% | 185 |
| Noninterest income to average assets | 0.4533% | 2,823 |
| Noninterest expense to average assets | 2.9385% | 1,063 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5618% | 1,118 |
| Return on assets (ROA) | 1.5618% | 1,166 |
| Pretax return on assets | 2.1665% | 585 |
| Return on Equity (ROE) | 13.8212% | 1,438 |
| Retained earnings to average equity (ytd only) | 3.3458% | 3,788 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5611% | 3,342 |
| Assets per employee ($millions) | 8.1891% | 1,181 |
| Cash dividends to net income (ytd only)* | 75.7921% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,655 |
| Loan loss allowance to noncurrent loans | 63.3870% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 376 |
| Noncurrent loans to loans | 1.9953% | 441 |
| Net loans and leases to total assets | 67.3764% | 1,387 |
| Net loans and leases to deposits | 76.5204% | 1,621 |
| Net loans and leases to core deposits | 80.0830% | 1,723 |
| Total domestic deposits to total assets | 88.0501% | 1,814 |
| Equity capital to assets | 11.0721% | 1,960 |
| Core capital (leverage) ratio | 11.1467% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7031% | 1,727 |
| Memoranda: | ||
| Average total assets | $269,432,250 | 2,626 |
| Average earning assets | $258,692,750 | 2,576 |
| Average equity | $30,445,250 | 2,532 |
| Average total loans | $202,917,750 | 2,253 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 229 |
| Cost of funding earning assets | 0.4340% | 1,629 |
| Net interest margin | 4.8324% | 210 |
| Noninterest income to average assets | 0.4782% | 2,722 |
| Noninterest expense to average assets | 2.8825% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6079% | 1,034 |
| Return on assets (ROA) | 1.6079% | 1,092 |
| Pretax return on assets | 2.2347% | 542 |
| Return on Equity (ROE) | 14.1304% | 1,372 |
| Retained earnings to average equity (ytd only) | -1.6492% | 4,653 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3298% | 3,501 |
| Assets per employee ($millions) | 8.0725% | 1,175 |
| Cash dividends to net income (ytd only)* | 111.6713% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 3,074 |
| Loan loss allowance to noncurrent loans | 61.3636% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4669% | 396 |
| Noncurrent loans to loans | 1.9149% | 519 |
| Net loans and leases to total assets | 73.6353% | 796 |
| Net loans and leases to deposits | 83.2001% | 1,115 |
| Net loans and leases to core deposits | 86.7875% | 1,361 |
| Total domestic deposits to total assets | 88.5038% | 1,561 |
| Equity capital to assets | 10.8619% | 2,099 |
| Core capital (leverage) ratio | 10.8014% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9518% | 1,987 |
| Memoranda: | ||
| Average total assets | $266,433,000 | 2,637 |
| Average earning assets | $255,772,667 | 2,589 |
| Average equity | $30,317,667 | 2,527 |
| Average total loans | $207,224,000 | 2,228 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 235 |
| Cost of funding earning assets | 0.4780% | 1,537 |
| Net interest margin | 4.8132% | 237 |
| Noninterest income to average assets | 0.4893% | 2,657 |
| Noninterest expense to average assets | 2.9480% | 1,069 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5533% | 1,208 |
| Return on assets (ROA) | 1.5533% | 1,275 |
| Pretax return on assets | 2.1614% | 733 |
| Return on Equity (ROE) | 13.3331% | 1,584 |
| Retained earnings to average equity (ytd only) | 13.3331% | 853 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6969% | 3,345 |
| Assets per employee ($millions) | 8.0144% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,369 |
| Loan loss allowance to noncurrent loans | 61.1450% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 463 |
| Noncurrent loans to loans | 1.8198% | 632 |
| Net loans and leases to total assets | 78.3726% | 444 |
| Net loans and leases to deposits | 89.0785% | 758 |
| Net loans and leases to core deposits | 93.4649% | 1,016 |
| Total domestic deposits to total assets | 87.9815% | 1,854 |
| Equity capital to assets | 11.4060% | 1,601 |
| Core capital (leverage) ratio | 11.7936% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8893% | 1,932 |
| Memoranda: | ||
| Average total assets | $262,417,000 | 2,648 |
| Average earning assets | $251,889,500 | 2,597 |
| Average equity | $30,570,500 | 2,502 |
| Average total loans | $208,583,000 | 2,221 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 188 |
| Cost of funding earning assets | 0.9037% | 845 |
| Net interest margin | 4.5996% | 261 |
| Noninterest income to average assets | 0.5554% | 2,396 |
| Noninterest expense to average assets | 3.0392% | 1,348 |
| Loan and lease loss provision to assets | 0.0751% | 3,444 |
| Net operating income to assets | 1.3384% | 1,151 |
| Return on assets (ROA) | 1.3384% | 1,249 |
| Pretax return on assets | 1.8525% | 608 |
| Return on Equity (ROE) | 11.9653% | 1,332 |
| Retained earnings to average equity (ytd only) | 11.2625% | 407 |
| Net charge-offs to loans | 0.0114% | 2,918 |
| Credit loss provision to net charge-offs | 830.4348% | 875 |
| Earnings coverage of net charge-offs (x) | 213.2174% | 448 |
| Efficiency ratio | 61.1903% | 3,278 |
| Assets per employee ($millions) | 7.0096% | 1,581 |
| Cash dividends to net income (ytd only)* | 5.8737% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,981 |
| Loan loss allowance to noncurrent loans | 44.4753% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 2.1411% | 251 |
| Noncurrent loans to loans | 2.6853% | 357 |
| Net loans and leases to total assets | 78.7823% | 517 |
| Net loans and leases to deposits | 90.4357% | 899 |
| Net loans and leases to core deposits | 95.3240% | 1,162 |
| Total domestic deposits to total assets | 87.1141% | 1,882 |
| Equity capital to assets | 11.9126% | 1,618 |
| Core capital (leverage) ratio | 11.6774% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0128% | 1,845 |
| Memoranda: | ||
| Average total assets | $254,407,600 | 2,552 |
| Average earning assets | $243,999,400 | 2,501 |
| Average equity | $28,457,200 | 2,575 |
| Average total loans | $201,246,000 | 2,223 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4464% | 258 |
| Cost of funding earning assets | 1.0031% | 755 |
| Net interest margin | 4.4433% | 435 |
| Noninterest income to average assets | 0.5262% | 2,496 |
| Noninterest expense to average assets | 2.8714% | 1,768 |
| Loan and lease loss provision to assets | 0.0788% | 3,331 |
| Net operating income to assets | 1.3269% | 1,294 |
| Return on assets (ROA) | 1.3269% | 1,378 |
| Pretax return on assets | 1.8384% | 730 |
| Return on Equity (ROE) | 12.0564% | 1,353 |
| Retained earnings to average equity (ytd only) | 12.0564% | 421 |
| Net charge-offs to loans | 0.0166% | 2,540 |
| Credit loss provision to net charge-offs | 604.0000% | 1,158 |
| Earnings coverage of net charge-offs (x) | 146.6400% | 615 |
| Efficiency ratio | 59.9607% | 3,396 |
| Assets per employee ($millions) | 7.3516% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,958 |
| Loan loss allowance to noncurrent loans | 38.5406% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 230 |
| Noncurrent loans to loans | 2.9748% | 312 |
| Net loans and leases to total assets | 79.1144% | 697 |
| Net loans and leases to deposits | 90.0683% | 1,257 |
| Net loans and leases to core deposits | 95.3739% | 1,515 |
| Total domestic deposits to total assets | 87.8382% | 1,291 |
| Equity capital to assets | 11.4222% | 2,070 |
| Core capital (leverage) ratio | 10.8433% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5155% | 1,650 |
| Memoranda: | ||
| Average total assets | $254,923,000 | 2,534 |
| Average earning assets | $244,558,250 | 2,485 |
| Average equity | $28,056,250 | 2,593 |
| Average total loans | $201,255,750 | 2,221 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4516% | 364 |
| Cost of funding earning assets | 1.1089% | 701 |
| Net interest margin | 4.3428% | 686 |
| Noninterest income to average assets | 0.4722% | 2,699 |
| Noninterest expense to average assets | 2.7199% | 2,323 |
| Loan and lease loss provision to assets | 0.1188% | 2,831 |
| Net operating income to assets | 1.3001% | 1,357 |
| Return on assets (ROA) | 1.3001% | 1,471 |
| Pretax return on assets | 1.8007% | 815 |
| Return on Equity (ROE) | 11.9660% | 1,341 |
| Retained earnings to average equity (ytd only) | 11.9660% | 465 |
| Net charge-offs to loans | -0.0190% | 4,390 |
| Credit loss provision to net charge-offs | -794.7368% | 3,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6260% | 3,604 |
| Assets per employee ($millions) | 7.7675% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 2,928 |
| Loan loss allowance to noncurrent loans | 37.8264% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 2.3387% | 260 |
| Noncurrent loans to loans | 2.9620% | 330 |
| Net loans and leases to total assets | 78.0727% | 839 |
| Net loans and leases to deposits | 91.1089% | 1,249 |
| Net loans and leases to core deposits | 97.4366% | 1,463 |
| Total domestic deposits to total assets | 85.6916% | 2,126 |
| Equity capital to assets | 10.4836% | 2,755 |
| Core capital (leverage) ratio | 10.5242% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8975% | 1,860 |
| Memoranda: | ||
| Average total assets | $254,128,667 | 2,517 |
| Average earning assets | $243,853,667 | 2,463 |
| Average equity | $27,611,667 | 2,611 |
| Average total loans | $199,698,667 | 2,226 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6861% | 254 |
| Cost of funding earning assets | 1.2019% | 767 |
| Net interest margin | 4.4842% | 522 |
| Noninterest income to average assets | 0.4110% | 3,023 |
| Noninterest expense to average assets | 2.8149% | 2,391 |
| Loan and lease loss provision to assets | 0.2463% | 1,264 |
| Net operating income to assets | 1.1938% | 1,537 |
| Return on assets (ROA) | 1.1938% | 1,649 |
| Pretax return on assets | 1.6456% | 965 |
| Return on Equity (ROE) | 10.7778% | 1,480 |
| Retained earnings to average equity (ytd only) | 10.7778% | 602 |
| Net charge-offs to loans | -0.0021% | 3,659 |
| Credit loss provision to net charge-offs | -15,100.0000% | 4,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8060% | 3,761 |
| Assets per employee ($millions) | 7.4659% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,618 |
| Loan loss allowance to noncurrent loans | 31.3049% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 3.0039% | 197 |
| Noncurrent loans to loans | 3.8625% | 208 |
| Net loans and leases to total assets | 76.8294% | 1,163 |
| Net loans and leases to deposits | 88.6613% | 1,677 |
| Net loans and leases to core deposits | 96.5790% | 1,744 |
| Total domestic deposits to total assets | 86.6549% | 1,714 |
| Equity capital to assets | 10.8553% | 2,981 |
| Core capital (leverage) ratio | 11.2694% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2427% | 2,181 |
| Memoranda: | ||
| Average total assets | $245,262,000 | 2,523 |
| Average earning assets | $234,957,500 | 2,471 |
| Average equity | $27,167,000 | 2,632 |
| Average total loans | $192,220,500 | 2,240 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 260 |
| Cost of funding earning assets | 1.3421% | 676 |
| Net interest margin | 4.5623% | 622 |
| Noninterest income to average assets | 0.5509% | 2,474 |
| Noninterest expense to average assets | 3.2685% | 1,364 |
| Loan and lease loss provision to assets | 0.0456% | 3,105 |
| Net operating income to assets | 1.1431% | 2,280 |
| Return on assets (ROA) | 1.1442% | 2,373 |
| Pretax return on assets | 1.5775% | 1,555 |
| Return on Equity (ROE) | 9.7868% | 2,399 |
| Retained earnings to average equity (ytd only) | 6.6663% | 1,538 |
| Net charge-offs to loans | -0.0042% | 4,318 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8376% | 2,637 |
| Assets per employee ($millions) | 6.9613% | 1,051 |
| Cash dividends to net income (ytd only)* | 31.8852% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,459 |
| Loan loss allowance to noncurrent loans | 37.4246% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.5232% | 254 |
| Noncurrent loans to loans | 3.1931% | 275 |
| Net loans and leases to total assets | 78.0768% | 1,073 |
| Net loans and leases to deposits | 91.0783% | 1,475 |
| Net loans and leases to core deposits | 98.6036% | 1,689 |
| Total domestic deposits to total assets | 85.7249% | 2,178 |
| Equity capital to assets | 11.3142% | 2,693 |
| Core capital (leverage) ratio | 11.6759% | 1,979 |
| Tier 1 risk-based capital ratio | 13.3143% | 3,625 |
| Total risk-based capital ratio | 14.4288% | 3,581 |
| Memoranda: | ||
| Average total assets | $219,277,000 | 2,667 |
| Average earning assets | $208,556,200 | 2,620 |
| Average equity | $25,636,600 | 2,666 |
| Average total loans | $166,666,000 | 2,449 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9516% | 262 |
| Cost of funding earning assets | 1.3608% | 656 |
| Net interest margin | 4.5908% | 629 |
| Noninterest income to average assets | 0.5043% | 2,700 |
| Noninterest expense to average assets | 3.2680% | 1,333 |
| Loan and lease loss provision to assets | 0.0620% | 2,657 |
| Net operating income to assets | 1.1139% | 2,521 |
| Return on assets (ROA) | 1.1154% | 2,603 |
| Pretax return on assets | 1.5354% | 1,850 |
| Return on Equity (ROE) | 9.4563% | 2,691 |
| Retained earnings to average equity (ytd only) | 5.2488% | 2,757 |
| Net charge-offs to loans | -0.0041% | 4,158 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1939% | 2,550 |
| Assets per employee ($millions) | 6.6234% | 1,214 |
| Cash dividends to net income (ytd only)* | 44.4939% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,074 |
| Loan loss allowance to noncurrent loans | 37.5294% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.6422% | 239 |
| Noncurrent loans to loans | 3.4055% | 249 |
| Net loans and leases to total assets | 76.5926% | 1,377 |
| Net loans and leases to deposits | 87.3539% | 2,015 |
| Net loans and leases to core deposits | 95.1105% | 2,077 |
| Total domestic deposits to total assets | 87.6808% | 1,174 |
| Equity capital to assets | 11.5762% | 2,609 |
| Core capital (leverage) ratio | 11.5468% | 2,185 |
| Tier 1 risk-based capital ratio | 13.7977% | 3,424 |
| Total risk-based capital ratio | 14.9834% | 3,368 |
| Memoranda: | ||
| Average total assets | $214,925,000 | 2,729 |
| Average earning assets | $204,085,000 | 2,687 |
| Average equity | $25,351,000 | 2,700 |
| Average total loans | $161,574,750 | 2,522 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0274% | 219 |
| Cost of funding earning assets | 1.3202% | 694 |
| Net interest margin | 4.7071% | 486 |
| Noninterest income to average assets | 0.3385% | 3,667 |
| Noninterest expense to average assets | 3.2501% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1249% | 2,427 |
| Return on assets (ROA) | 1.1272% | 2,490 |
| Pretax return on assets | 1.5518% | 1,692 |
| Return on Equity (ROE) | 9.4936% | 2,637 |
| Retained earnings to average equity (ytd only) | 3.1221% | 3,658 |
| Net charge-offs to loans | -0.0038% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7241% | 2,582 |
| Assets per employee ($millions) | 6.1315% | 1,452 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 1,899 |
| Loan loss allowance to noncurrent loans | 60.6086% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6384% | 652 |
| Noncurrent loans to loans | 2.1889% | 618 |
| Net loans and leases to total assets | 73.8563% | 1,914 |
| Net loans and leases to deposits | 84.3873% | 2,448 |
| Net loans and leases to core deposits | 90.3251% | 2,571 |
| Total domestic deposits to total assets | 87.5206% | 1,332 |
| Equity capital to assets | 11.8610% | 2,297 |
| Core capital (leverage) ratio | 12.0177% | 1,815 |
| Tier 1 risk-based capital ratio | 14.4785% | 3,077 |
| Total risk-based capital ratio | 15.6943% | 3,010 |
| Memoranda: | ||
| Average total assets | $211,502,000 | 2,768 |
| Average earning assets | $200,418,670 | 2,732 |
| Average equity | $25,111,670 | 2,710 |
| Average total loans | $157,194,670 | 2,579 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1947% | 160 |
| Cost of funding earning assets | 1.2716% | 723 |
| Net interest margin | 4.9231% | 325 |
| Noninterest income to average assets | 0.3563% | 3,471 |
| Noninterest expense to average assets | 3.2388% | 1,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2815% | 1,770 |
| Return on assets (ROA) | 1.2860% | 1,791 |
| Pretax return on assets | 1.7775% | 1,024 |
| Return on Equity (ROE) | 10.8258% | 2,014 |
| Retained earnings to average equity (ytd only) | -2.0048% | 4,745 |
| Net charge-offs to loans | -0.0051% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6388% | 3,141 |
| Assets per employee ($millions) | 6.0040% | 1,544 |
| Cash dividends to net income (ytd only)* | 118.5185% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 1,886 |
| Loan loss allowance to noncurrent loans | 79.5964% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 1.7526% | 610 |
| Noncurrent loans to loans | 1.6908% | 915 |
| Net loans and leases to total assets | 74.3034% | 1,750 |
| Net loans and leases to deposits | 85.2331% | 2,223 |
| Net loans and leases to core deposits | 91.3629% | 2,361 |
| Total domestic deposits to total assets | 87.1767% | 1,728 |
| Equity capital to assets | 11.8478% | 2,120 |
| Core capital (leverage) ratio | 11.9864% | 1,784 |
| Tier 1 risk-based capital ratio | 14.4269% | 3,131 |
| Total risk-based capital ratio | 15.6629% | 3,069 |
| Memoranda: | ||
| Average total assets | $209,952,000 | 2,807 |
| Average earning assets | $198,492,000 | 2,781 |
| Average equity | $24,940,500 | 2,722 |
| Average total loans | $155,478,000 | 2,634 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8166% | 230 |
| Cost of funding earning assets | 1.0272% | 679 |
| Net interest margin | 4.7893% | 404 |
| Noninterest income to average assets | 0.5544% | 2,524 |
| Noninterest expense to average assets | 3.4255% | 1,110 |
| Loan and lease loss provision to assets | 0.0089% | 3,945 |
| Net operating income to assets | 1.2082% | 2,125 |
| Return on assets (ROA) | 1.2082% | 2,125 |
| Pretax return on assets | 1.6375% | 1,351 |
| Return on Equity (ROE) | 10.2539% | 2,418 |
| Retained earnings to average equity (ytd only) | 10.2539% | 583 |
| Net charge-offs to loans | -0.0040% | 4,315 |
| Credit loss provision to net charge-offs | -300.0000% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5377% | 2,623 |
| Assets per employee ($millions) | 5.6693% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,666 |
| Loan loss allowance to noncurrent loans | 62.0408% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 2.2030% | 397 |
| Noncurrent loans to loans | 2.2465% | 575 |
| Net loans and leases to total assets | 71.7743% | 2,303 |
| Net loans and leases to deposits | 82.2724% | 2,699 |
| Net loans and leases to core deposits | 88.4027% | 2,724 |
| Total domestic deposits to total assets | 87.2399% | 1,668 |
| Equity capital to assets | 11.9106% | 1,963 |
| Core capital (leverage) ratio | 11.8179% | 1,858 |
| Tier 1 risk-based capital ratio | 14.9073% | 2,870 |
| Total risk-based capital ratio | 16.1578% | 2,806 |
| Memoranda: | ||
| Average total assets | $201,462,000 | 2,850 |
| Average earning assets | $190,026,400 | 2,830 |
| Average equity | $23,737,400 | 2,752 |
| Average total loans | $149,802,800 | 2,641 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7972% | 223 |
| Cost of funding earning assets | 0.9753% | 660 |
| Net interest margin | 4.8219% | 361 |
| Noninterest income to average assets | 0.5925% | 2,351 |
| Noninterest expense to average assets | 3.5241% | 954 |
| Loan and lease loss provision to assets | 0.0120% | 3,760 |
| Net operating income to assets | 1.1896% | 2,277 |
| Return on assets (ROA) | 1.1896% | 2,281 |
| Pretax return on assets | 1.6022% | 1,578 |
| Return on Equity (ROE) | 10.1254% | 2,564 |
| Retained earnings to average equity (ytd only) | 10.1254% | 881 |
| Net charge-offs to loans | -0.0045% | 4,208 |
| Credit loss provision to net charge-offs | -360.0000% | 4,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5841% | 2,426 |
| Assets per employee ($millions) | 5.2344% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 1,580 |
| Loan loss allowance to noncurrent loans | 58.0513% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.1950% | 451 |
| Noncurrent loans to loans | 2.4692% | 532 |
| Net loans and leases to total assets | 71.6482% | 2,380 |
| Net loans and leases to deposits | 82.0151% | 2,813 |
| Net loans and leases to core deposits | 87.2489% | 2,899 |
| Total domestic deposits to total assets | 87.3598% | 1,569 |
| Equity capital to assets | 11.8971% | 1,972 |
| Core capital (leverage) ratio | 11.9801% | 1,795 |
| Tier 1 risk-based capital ratio | 15.2174% | 2,779 |
| Total risk-based capital ratio | 16.4682% | 2,700 |
| Memoranda: | ||
| Average total assets | $199,386,750 | 2,894 |
| Average earning assets | $187,971,500 | 2,871 |
| Average equity | $23,425,750 | 2,794 |
| Average total loans | $149,082,500 | 2,669 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 201 |
| Cost of funding earning assets | 0.9312% | 633 |
| Net interest margin | 4.8686% | 321 |
| Noninterest income to average assets | 0.6542% | 2,072 |
| Noninterest expense to average assets | 3.5480% | 932 |
| Loan and lease loss provision to assets | 0.0182% | 3,534 |
| Net operating income to assets | 1.2558% | 1,960 |
| Return on assets (ROA) | 1.2558% | 1,958 |
| Pretax return on assets | 1.6764% | 1,281 |
| Return on Equity (ROE) | 10.7353% | 2,214 |
| Retained earnings to average equity (ytd only) | 10.7353% | 724 |
| Net charge-offs to loans | -0.0027% | 3,992 |
| Credit loss provision to net charge-offs | -900.0000% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6760% | 2,701 |
| Assets per employee ($millions) | 5.0688% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,516 |
| Loan loss allowance to noncurrent loans | 56.8066% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 2.2471% | 423 |
| Noncurrent loans to loans | 2.5738% | 497 |
| Net loans and leases to total assets | 70.6024% | 2,488 |
| Net loans and leases to deposits | 80.5446% | 2,891 |
| Net loans and leases to core deposits | 85.2187% | 2,992 |
| Total domestic deposits to total assets | 87.6563% | 1,559 |
| Equity capital to assets | 11.7218% | 2,043 |
| Core capital (leverage) ratio | 11.6547% | 1,940 |
| Tier 1 risk-based capital ratio | 15.2984% | 2,730 |
| Total risk-based capital ratio | 16.5495% | 2,662 |
| Memoranda: | ||
| Average total assets | $197,801,670 | 2,923 |
| Average earning assets | $186,419,330 | 2,898 |
| Average equity | $23,138,670 | 2,830 |
| Average total loans | $149,313,000 | 2,671 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 164 |
| Cost of funding earning assets | 0.8744% | 680 |
| Net interest margin | 5.0074% | 226 |
| Noninterest income to average assets | 0.4792% | 2,942 |
| Noninterest expense to average assets | 3.6923% | 768 |
| Loan and lease loss provision to assets | 0.0369% | 3,010 |
| Net operating income to assets | 1.1488% | 2,224 |
| Return on assets (ROA) | 1.1488% | 2,235 |
| Pretax return on assets | 1.4642% | 1,789 |
| Return on Equity (ROE) | 9.8313% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.8313% | 1,214 |
| Net charge-offs to loans | -0.0026% | 3,848 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0962% | 2,318 |
| Assets per employee ($millions) | 5.2062% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 1,856 |
| Loan loss allowance to noncurrent loans | 111.8546% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 1.4165% | 1,014 |
| Noncurrent loans to loans | 1.2487% | 1,450 |
| Net loans and leases to total assets | 73.8148% | 1,892 |
| Net loans and leases to deposits | 83.7585% | 2,413 |
| Net loans and leases to core deposits | 88.6189% | 2,582 |
| Total domestic deposits to total assets | 88.1281% | 1,548 |
| Equity capital to assets | 11.3725% | 2,239 |
| Core capital (leverage) ratio | 11.7544% | 1,814 |
| Tier 1 risk-based capital ratio | 14.7774% | 2,988 |
| Total risk-based capital ratio | 16.0286% | 2,913 |
| Memoranda: | ||
| Average total assets | $195,327,000 | 2,975 |
| Average earning assets | $183,889,000 | 2,954 |
| Average equity | $22,825,000 | 2,884 |
| Average total loans | $151,334,000 | 2,669 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7464% | 182 |
| Cost of funding earning assets | 0.6729% | 1,167 |
| Net interest margin | 5.0734% | 210 |
| Noninterest income to average assets | 0.6387% | 2,254 |
| Noninterest expense to average assets | 3.3272% | 1,321 |
| Loan and lease loss provision to assets | 0.0603% | 3,029 |
| Net operating income to assets | 1.2523% | 1,356 |
| Return on assets (ROA) | 1.2523% | 1,379 |
| Pretax return on assets | 2.0351% | 453 |
| Return on Equity (ROE) | 11.1494% | 1,419 |
| Retained earnings to average equity (ytd only) | 11.1494% | 233 |
| Net charge-offs to loans | -0.0041% | 4,609 |
| Credit loss provision to net charge-offs | -1,916.6667% | 5,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3586% | 4,042 |
| Assets per employee ($millions) | 5.2114% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,786 |
| Loan loss allowance to noncurrent loans | 133.3333% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3714% | 1,031 |
| Noncurrent loans to loans | 1.0473% | 1,699 |
| Net loans and leases to total assets | 79.1879% | 1,079 |
| Net loans and leases to deposits | 91.0688% | 1,640 |
| Net loans and leases to core deposits | 96.2938% | 1,998 |
| Total domestic deposits to total assets | 86.9539% | 2,020 |
| Equity capital to assets | 12.0243% | 1,818 |
| Core capital (leverage) ratio | 11.9575% | 1,625 |
| Tier 1 risk-based capital ratio | 14.0493% | 3,337 |
| Total risk-based capital ratio | 15.3002% | 3,230 |
| Memoranda: | ||
| Average total assets | $190,854,000 | 3,007 |
| Average earning assets | $179,956,800 | 2,967 |
| Average equity | $21,436,200 | 3,002 |
| Average total loans | $145,859,200 | 2,702 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7298% | 183 |
| Cost of funding earning assets | 0.6524% | 1,220 |
| Net interest margin | 5.0774% | 200 |
| Noninterest income to average assets | 0.6393% | 2,255 |
| Noninterest expense to average assets | 3.2709% | 1,408 |
| Loan and lease loss provision to assets | 0.0417% | 3,274 |
| Net operating income to assets | 1.3071% | 1,305 |
| Return on assets (ROA) | 1.3071% | 1,344 |
| Pretax return on assets | 2.1182% | 434 |
| Return on Equity (ROE) | 11.8422% | 1,384 |
| Retained earnings to average equity (ytd only) | 11.8422% | 309 |
| Net charge-offs to loans | -0.0037% | 4,403 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2280% | 4,174 |
| Assets per employee ($millions) | 5.1214% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,668 |
| Loan loss allowance to noncurrent loans | 116.0431% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 1.3980% | 1,119 |
| Noncurrent loans to loans | 1.2608% | 1,517 |
| Net loans and leases to total assets | 72.7539% | 2,138 |
| Net loans and leases to deposits | 83.1436% | 2,641 |
| Net loans and leases to core deposits | 88.2735% | 2,745 |
| Total domestic deposits to total assets | 87.5039% | 1,625 |
| Equity capital to assets | 11.6502% | 2,232 |
| Core capital (leverage) ratio | 11.6776% | 1,903 |
| Tier 1 risk-based capital ratio | 14.8690% | 2,975 |
| Total risk-based capital ratio | 16.1204% | 2,904 |
| Memoranda: | ||
| Average total assets | $191,664,500 | 3,028 |
| Average earning assets | $180,874,750 | 2,981 |
| Average equity | $21,155,500 | 3,047 |
| Average total loans | $144,656,500 | 2,730 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7951% | 170 |
| Cost of funding earning assets | 0.6339% | 1,237 |
| Net interest margin | 5.1612% | 170 |
| Noninterest income to average assets | 0.6705% | 2,124 |
| Noninterest expense to average assets | 3.1811% | 1,624 |
| Loan and lease loss provision to assets | 0.0624% | 2,722 |
| Net operating income to assets | 1.4284% | 1,000 |
| Return on assets (ROA) | 1.4284% | 1,030 |
| Pretax return on assets | 2.3026% | 295 |
| Return on Equity (ROE) | 13.1807% | 989 |
| Retained earnings to average equity (ytd only) | 13.1807% | 241 |
| Net charge-offs to loans | -0.0027% | 4,216 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3571% | 4,668 |
| Assets per employee ($millions) | 5.5219% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,835 |
| Loan loss allowance to noncurrent loans | 163.2083% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1388% | 1,517 |
| Noncurrent loans to loans | 0.8745% | 2,237 |
| Net loans and leases to total assets | 75.2274% | 1,658 |
| Net loans and leases to deposits | 85.5887% | 2,276 |
| Net loans and leases to core deposits | 90.8719% | 2,445 |
| Total domestic deposits to total assets | 87.8942% | 1,509 |
| Equity capital to assets | 11.4885% | 2,328 |
| Core capital (leverage) ratio | 11.1940% | 2,226 |
| Tier 1 risk-based capital ratio | 14.2485% | 3,289 |
| Total risk-based capital ratio | 15.4995% | 3,207 |
| Memoranda: | ||
| Average total assets | $192,389,000 | 3,036 |
| Average earning assets | $181,739,330 | 2,986 |
| Average equity | $20,848,670 | 3,077 |
| Average total loans | $146,239,000 | 2,710 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5270% | 219 |
| Cost of funding earning assets | 0.6216% | 1,233 |
| Net interest margin | 4.9054% | 258 |
| Noninterest income to average assets | 0.7909% | 1,589 |
| Noninterest expense to average assets | 3.1185% | 1,813 |
| Loan and lease loss provision to assets | 0.1233% | 1,561 |
| Net operating income to assets | 1.3559% | 1,100 |
| Return on assets (ROA) | 1.3559% | 1,135 |
| Pretax return on assets | 2.1858% | 363 |
| Return on Equity (ROE) | 12.8853% | 1,022 |
| Retained earnings to average equity (ytd only) | 12.8853% | 384 |
| Net charge-offs to loans | -0.0027% | 4,045 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4565% | 4,782 |
| Assets per employee ($millions) | 5.9498% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 2,167 |
| Loan loss allowance to noncurrent loans | 162.4801% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 1.0915% | 1,633 |
| Noncurrent loans to loans | 0.8488% | 2,336 |
| Net loans and leases to total assets | 74.4452% | 1,671 |
| Net loans and leases to deposits | 83.8629% | 2,299 |
| Net loans and leases to core deposits | 88.5759% | 2,488 |
| Total domestic deposits to total assets | 88.7702% | 1,277 |
| Equity capital to assets | 10.6090% | 3,058 |
| Core capital (leverage) ratio | 10.8996% | 2,480 |
| Tier 1 risk-based capital ratio | 13.6377% | 3,693 |
| Total risk-based capital ratio | 14.8886% | 3,600 |
| Memoranda: | ||
| Average total assets | $194,711,500 | 3,047 |
| Average earning assets | $184,042,500 | 3,002 |
| Average equity | $20,488,500 | 3,127 |
| Average total loans | $147,718,500 | 2,723 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9109% | 137 |
| Cost of funding earning assets | 0.6640% | 982 |
| Net interest margin | 5.2469% | 159 |
| Noninterest income to average assets | 0.6894% | 2,219 |
| Noninterest expense to average assets | 3.4772% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3261% | 1,156 |
| Return on assets (ROA) | 1.3261% | 1,210 |
| Pretax return on assets | 2.1440% | 364 |
| Return on Equity (ROE) | 12.7258% | 1,064 |
| Retained earnings to average equity (ytd only) | 12.7258% | 185 |
| Net charge-offs to loans | 0.0754% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 36.5047% | 1,258 |
| Efficiency ratio | 61.8592% | 4,279 |
| Assets per employee ($millions) | 6.0338% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,316 |
| Loan loss allowance to noncurrent loans | 142.6619% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1783% | 1,542 |
| Noncurrent loans to loans | 0.9441% | 2,198 |
| Net loans and leases to total assets | 75.2237% | 1,652 |
| Net loans and leases to deposits | 85.0005% | 2,309 |
| Net loans and leases to core deposits | 90.0190% | 2,496 |
| Total domestic deposits to total assets | 88.4980% | 1,378 |
| Equity capital to assets | 10.4345% | 3,229 |
| Core capital (leverage) ratio | 10.5980% | 2,776 |
| Tier 1 risk-based capital ratio | 13.0514% | 4,033 |
| Total risk-based capital ratio | 14.3020% | 3,951 |
| Memoranda: | ||
| Average total assets | $182,185,400 | 3,145 |
| Average earning assets | $171,243,600 | 3,097 |
| Average equity | $18,985,000 | 3,271 |
| Average total loans | $141,850,400 | 2,753 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8111% | 165 |
| Cost of funding earning assets | 0.6696% | 950 |
| Net interest margin | 5.1415% | 196 |
| Noninterest income to average assets | 0.6805% | 2,258 |
| Noninterest expense to average assets | 3.2942% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3685% | 1,130 |
| Return on assets (ROA) | 1.3685% | 1,199 |
| Pretax return on assets | 2.2125% | 377 |
| Return on Equity (ROE) | 13.1372% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.1372% | 215 |
| Net charge-offs to loans | 0.0161% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 175.1464% | 411 |
| Efficiency ratio | 59.8219% | 4,565 |
| Assets per employee ($millions) | 5.6762% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 2,329 |
| Loan loss allowance to noncurrent loans | 82.5896% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.9021% | 842 |
| Noncurrent loans to loans | 1.6628% | 1,278 |
| Net loans and leases to total assets | 79.4801% | 969 |
| Net loans and leases to deposits | 89.7462% | 1,790 |
| Net loans and leases to core deposits | 95.2326% | 2,073 |
| Total domestic deposits to total assets | 88.5610% | 1,122 |
| Equity capital to assets | 10.5058% | 3,558 |
| Core capital (leverage) ratio | 10.7076% | 2,781 |
| Tier 1 risk-based capital ratio | 12.4063% | 4,531 |
| Total risk-based capital ratio | 13.6572% | 4,430 |
| Memoranda: | ||
| Average total assets | $179,461,750 | 3,184 |
| Average earning assets | $168,455,000 | 3,148 |
| Average equity | $18,694,500 | 3,343 |
| Average total loans | $140,506,750 | 2,776 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6989% | 187 |
| Cost of funding earning assets | 0.6790% | 897 |
| Net interest margin | 5.0199% | 246 |
| Noninterest income to average assets | 0.6661% | 2,302 |
| Noninterest expense to average assets | 3.3012% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2881% | 1,308 |
| Return on assets (ROA) | 1.2881% | 1,421 |
| Pretax return on assets | 2.0719% | 497 |
| Return on Equity (ROE) | 12.4031% | 1,183 |
| Retained earnings to average equity (ytd only) | 12.4031% | 279 |
| Net charge-offs to loans | -0.0190% | 4,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4397% | 4,439 |
| Assets per employee ($millions) | 5.4890% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 1,773 |
| Loan loss allowance to noncurrent loans | 72.6174% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 2.1801% | 711 |
| Noncurrent loans to loans | 2.1008% | 931 |
| Net loans and leases to total assets | 74.9434% | 1,663 |
| Net loans and leases to deposits | 84.3305% | 2,427 |
| Net loans and leases to core deposits | 89.1995% | 2,619 |
| Total domestic deposits to total assets | 88.8687% | 978 |
| Equity capital to assets | 10.4876% | 3,643 |
| Core capital (leverage) ratio | 10.4156% | 3,059 |
| Tier 1 risk-based capital ratio | 12.6981% | 4,387 |
| Total risk-based capital ratio | 13.9500% | 4,292 |
| Memoranda: | ||
| Average total assets | $176,843,670 | 3,228 |
| Average earning assets | $165,820,670 | 3,200 |
| Average equity | $18,366,330 | 3,388 |
| Average total loans | $137,025,000 | 2,834 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7324% | 179 |
| Cost of funding earning assets | 0.6722% | 937 |
| Net interest margin | 5.0601% | 224 |
| Noninterest income to average assets | 0.5449% | 2,839 |
| Noninterest expense to average assets | 3.3498% | 1,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2067% | 1,531 |
| Return on assets (ROA) | 1.2067% | 1,635 |
| Pretax return on assets | 1.9348% | 648 |
| Return on Equity (ROE) | 11.6780% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.6780% | 552 |
| Net charge-offs to loans | -0.0176% | 4,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3882% | 4,239 |
| Assets per employee ($millions) | 5.4618% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,846 |
| Loan loss allowance to noncurrent loans | 51.0348% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.9167% | 441 |
| Noncurrent loans to loans | 3.0091% | 541 |
| Net loans and leases to total assets | 74.5602% | 1,636 |
| Net loans and leases to deposits | 83.6355% | 2,350 |
| Net loans and leases to core deposits | 88.2390% | 2,541 |
| Total domestic deposits to total assets | 89.1490% | 1,019 |
| Equity capital to assets | 10.1692% | 3,877 |
| Core capital (leverage) ratio | 10.5638% | 2,893 |
| Tier 1 risk-based capital ratio | 12.4680% | 4,604 |
| Total risk-based capital ratio | 13.7200% | 4,511 |
| Memoranda: | ||
| Average total assets | $174,696,500 | 3,271 |
| Average earning assets | $163,632,500 | 3,232 |
| Average equity | $18,051,000 | 3,428 |
| Average total loans | $136,610,500 | 2,846 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 252 |
| Cost of funding earning assets | 0.6616% | 1,011 |
| Net interest margin | 4.8742% | 315 |
| Noninterest income to average assets | 0.7114% | 2,149 |
| Noninterest expense to average assets | 3.5495% | 1,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0675% | 2,052 |
| Return on assets (ROA) | 1.0671% | 2,131 |
| Pretax return on assets | 1.7059% | 982 |
| Return on Equity (ROE) | 10.7409% | 1,714 |
| Retained earnings to average equity (ytd only) | 10.7409% | 375 |
| Net charge-offs to loans | -0.1043% | 5,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5323% | 3,657 |
| Assets per employee ($millions) | 5.6384% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 1,866 |
| Loan loss allowance to noncurrent loans | 50.5931% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 3.1374% | 408 |
| Noncurrent loans to loans | 3.0211% | 528 |
| Net loans and leases to total assets | 79.6012% | 901 |
| Net loans and leases to deposits | 89.9608% | 1,621 |
| Net loans and leases to core deposits | 95.1045% | 1,931 |
| Total domestic deposits to total assets | 88.4843% | 1,390 |
| Equity capital to assets | 10.5071% | 3,351 |
| Core capital (leverage) ratio | 10.4637% | 2,968 |
| Tier 1 risk-based capital ratio | 12.0963% | 4,888 |
| Total risk-based capital ratio | 13.3484% | 4,789 |
| Memoranda: | ||
| Average total assets | $169,237,000 | 3,316 |
| Average earning assets | $157,791,200 | 3,283 |
| Average equity | $16,814,200 | 3,557 |
| Average total loans | $127,472,000 | 2,925 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 304 |
| Cost of funding earning assets | 0.6635% | 1,008 |
| Net interest margin | 4.7629% | 405 |
| Noninterest income to average assets | 0.7728% | 1,921 |
| Noninterest expense to average assets | 3.5314% | 1,231 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0382% | 2,284 |
| Return on assets (ROA) | 1.0382% | 2,380 |
| Pretax return on assets | 1.6802% | 1,162 |
| Return on Equity (ROE) | 10.6024% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.6024% | 539 |
| Net charge-offs to loans | -0.1183% | 5,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7600% | 3,590 |
| Assets per employee ($millions) | 5.2584% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 1,764 |
| Loan loss allowance to noncurrent loans | 49.6161% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 3.2823% | 419 |
| Noncurrent loans to loans | 3.2403% | 514 |
| Net loans and leases to total assets | 75.2139% | 1,505 |
| Net loans and leases to deposits | 84.6313% | 2,325 |
| Net loans and leases to core deposits | 89.4500% | 2,518 |
| Total domestic deposits to total assets | 88.8725% | 1,087 |
| Equity capital to assets | 10.2717% | 3,849 |
| Core capital (leverage) ratio | 10.1778% | 3,403 |
| Tier 1 risk-based capital ratio | 12.2233% | 4,941 |
| Total risk-based capital ratio | 13.4758% | 4,846 |
| Memoranda: | ||
| Average total assets | $169,258,250 | 3,343 |
| Average earning assets | $157,742,250 | 3,317 |
| Average equity | $16,574,500 | 3,613 |
| Average total loans | $125,155,750 | 2,989 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 328 |
| Cost of funding earning assets | 0.6596% | 1,050 |
| Net interest margin | 4.7019% | 447 |
| Noninterest income to average assets | 0.7489% | 1,998 |
| Noninterest expense to average assets | 3.5038% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9777% | 2,508 |
| Return on assets (ROA) | 0.9777% | 2,609 |
| Pretax return on assets | 1.6251% | 1,267 |
| Return on Equity (ROE) | 10.1481% | 2,000 |
| Retained earnings to average equity (ytd only) | 10.1481% | 635 |
| Net charge-offs to loans | -0.2355% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3146% | 3,632 |
| Assets per employee ($millions) | 5.4528% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 1,614 |
| Loan loss allowance to noncurrent loans | 49.2852% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 3.4170% | 429 |
| Noncurrent loans to loans | 3.4373% | 520 |
| Net loans and leases to total assets | 72.1943% | 1,947 |
| Net loans and leases to deposits | 80.6496% | 2,702 |
| Net loans and leases to core deposits | 85.5833% | 2,808 |
| Total domestic deposits to total assets | 89.5159% | 893 |
| Equity capital to assets | 9.9049% | 4,151 |
| Core capital (leverage) ratio | 9.6429% | 4,086 |
| Tier 1 risk-based capital ratio | 12.4261% | 4,863 |
| Total risk-based capital ratio | 13.6800% | 4,774 |
| Memoranda: | ||
| Average total assets | $169,588,330 | 3,353 |
| Average earning assets | $157,980,330 | 3,334 |
| Average equity | $16,338,000 | 3,665 |
| Average total loans | $123,998,000 | 3,019 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3420% | 327 |
| Cost of funding earning assets | 0.6472% | 1,136 |
| Net interest margin | 4.6948% | 414 |
| Noninterest income to average assets | 0.6170% | 2,566 |
| Noninterest expense to average assets | 3.5605% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8619% | 2,947 |
| Return on assets (ROA) | 0.8619% | 3,065 |
| Pretax return on assets | 1.4294% | 1,779 |
| Return on Equity (ROE) | 9.0732% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.0732% | 1,172 |
| Net charge-offs to loans | -0.0839% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3544% | 3,273 |
| Assets per employee ($millions) | 5.7507% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 2,030 |
| Loan loss allowance to noncurrent loans | 44.1943% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 3.3903% | 503 |
| Noncurrent loans to loans | 3.6348% | 508 |
| Net loans and leases to total assets | 70.4052% | 2,082 |
| Net loans and leases to deposits | 78.1826% | 2,779 |
| Net loans and leases to core deposits | 84.6975% | 2,692 |
| Total domestic deposits to total assets | 90.0522% | 727 |
| Equity capital to assets | 9.4661% | 4,788 |
| Core capital (leverage) ratio | 9.5460% | 4,206 |
| Tier 1 risk-based capital ratio | 12.0671% | 5,198 |
| Total risk-based capital ratio | 13.3195% | 5,097 |
| Memoranda: | ||
| Average total assets | $169,864,000 | 3,367 |
| Average earning assets | $158,219,000 | 3,348 |
| Average equity | $16,135,500 | 3,726 |
| Average total loans | $123,928,000 | 3,017 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4429% | 351 |
| Cost of funding earning assets | 0.6744% | 1,248 |
| Net interest margin | 4.7685% | 455 |
| Noninterest income to average assets | 0.3482% | 4,614 |
| Noninterest expense to average assets | 3.2241% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9075% | 2,836 |
| Return on assets (ROA) | 0.9075% | 2,926 |
| Pretax return on assets | 1.5224% | 1,464 |
| Return on Equity (ROE) | 9.2256% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.2256% | 656 |
| Net charge-offs to loans | -0.1366% | 6,188 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9258% | 3,908 |
| Assets per employee ($millions) | 5.5736% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 2,184 |
| Loan loss allowance to noncurrent loans | 43.1723% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 3.5255% | 528 |
| Noncurrent loans to loans | 3.6436% | 543 |
| Net loans and leases to total assets | 73.2339% | 1,718 |
| Net loans and leases to deposits | 81.6577% | 2,520 |
| Net loans and leases to core deposits | 88.5557% | 2,439 |
| Total domestic deposits to total assets | 89.6841% | 879 |
| Equity capital to assets | 9.5330% | 4,682 |
| Core capital (leverage) ratio | 9.4266% | 4,344 |
| Tier 1 risk-based capital ratio | 12.7963% | 4,860 |
| Total risk-based capital ratio | 14.0503% | 4,770 |
| Memoranda: | ||
| Average total assets | $154,494,400 | 3,566 |
| Average earning assets | $142,497,200 | 3,560 |
| Average equity | $15,196,800 | 3,800 |
| Average total loans | $114,899,600 | 3,126 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 426 |
| Cost of funding earning assets | 0.6693% | 1,323 |
| Net interest margin | 4.6593% | 549 |
| Noninterest income to average assets | 0.4820% | 3,670 |
| Noninterest expense to average assets | 3.1280% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9340% | 2,757 |
| Return on assets (ROA) | 0.9340% | 2,848 |
| Pretax return on assets | 1.6416% | 1,205 |
| Return on Equity (ROE) | 9.4151% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.4151% | 865 |
| Net charge-offs to loans | -0.1825% | 6,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5829% | 4,278 |
| Assets per employee ($millions) | 5.4309% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 2,415 |
| Loan loss allowance to noncurrent loans | 42.7197% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 3.8932% | 523 |
| Noncurrent loans to loans | 3.6772% | 627 |
| Net loans and leases to total assets | 75.1470% | 1,342 |
| Net loans and leases to deposits | 83.6601% | 2,201 |
| Net loans and leases to core deposits | 90.5698% | 2,170 |
| Total domestic deposits to total assets | 89.8242% | 811 |
| Equity capital to assets | 9.5559% | 4,726 |
| Core capital (leverage) ratio | 9.6308% | 4,190 |
| Tier 1 risk-based capital ratio | 12.4986% | 5,170 |
| Total risk-based capital ratio | 13.7528% | 5,104 |
| Memoranda: | ||
| Average total assets | $151,316,000 | 3,637 |
| Average earning assets | $139,245,750 | 3,642 |
| Average equity | $15,011,000 | 3,852 |
| Average total loans | $112,522,000 | 3,189 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2289% | 483 |
| Cost of funding earning assets | 0.6531% | 1,486 |
| Net interest margin | 4.5758% | 608 |
| Noninterest income to average assets | 0.5494% | 3,128 |
| Noninterest expense to average assets | 3.1388% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9319% | 2,643 |
| Return on assets (ROA) | 0.9319% | 2,746 |
| Pretax return on assets | 1.6114% | 1,223 |
| Return on Equity (ROE) | 9.2681% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.2681% | 895 |
| Net charge-offs to loans | -0.2782% | 6,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0765% | 4,358 |
| Assets per employee ($millions) | 5.6752% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 2,309 |
| Loan loss allowance to noncurrent loans | 42.2752% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 4.0640% | 517 |
| Noncurrent loans to loans | 3.8890% | 621 |
| Net loans and leases to total assets | 73.4497% | 1,513 |
| Net loans and leases to deposits | 81.6727% | 2,289 |
| Net loans and leases to core deposits | 88.3951% | 2,273 |
| Total domestic deposits to total assets | 89.9318% | 847 |
| Equity capital to assets | 9.5742% | 4,659 |
| Core capital (leverage) ratio | 10.1708% | 3,392 |
| Tier 1 risk-based capital ratio | 12.6522% | 5,119 |
| Total risk-based capital ratio | 13.9070% | 5,051 |
| Memoranda: | ||
| Average total assets | $147,446,000 | 3,720 |
| Average earning assets | $135,363,670 | 3,721 |
| Average equity | $14,825,000 | 3,889 |
| Average total loans | $108,566,670 | 3,276 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 530 |
| Cost of funding earning assets | 0.6502% | 1,578 |
| Net interest margin | 4.5050% | 655 |
| Noninterest income to average assets | 0.6068% | 2,701 |
| Noninterest expense to average assets | 3.3165% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8468% | 2,914 |
| Return on assets (ROA) | 0.8468% | 2,989 |
| Pretax return on assets | 1.4169% | 1,689 |
| Return on Equity (ROE) | 8.2020% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.2020% | 1,535 |
| Net charge-offs to loans | -0.2744% | 6,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0656% | 3,829 |
| Assets per employee ($millions) | 5.6130% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 2,057 |
| Loan loss allowance to noncurrent loans | 35.8292% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 4.9864% | 408 |
| Noncurrent loans to loans | 5.0142% | 442 |
| Net loans and leases to total assets | 70.0798% | 1,871 |
| Net loans and leases to deposits | 78.4434% | 2,490 |
| Net loans and leases to core deposits | 82.2805% | 2,710 |
| Total domestic deposits to total assets | 89.3379% | 1,453 |
| Equity capital to assets | 10.1338% | 3,679 |
| Core capital (leverage) ratio | 9.9449% | 3,643 |
| Tier 1 risk-based capital ratio | 13.4233% | 4,751 |
| Total risk-based capital ratio | 14.6805% | 4,676 |
| Memoranda: | ||
| Average total assets | $141,716,000 | 3,855 |
| Average earning assets | $129,811,000 | 3,838 |
| Average equity | $14,630,500 | 3,924 |
| Average total loans | $103,516,500 | 3,398 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8751% | 1,145 |
| Cost of funding earning assets | 0.6639% | 2,081 |
| Net interest margin | 4.2113% | 1,320 |
| Noninterest income to average assets | 0.7460% | 2,305 |
| Noninterest expense to average assets | 3.2605% | 2,251 |
| Loan and lease loss provision to assets | 0.2275% | 1,600 |
| Net operating income to assets | 2.1775% | 251 |
| Return on assets (ROA) | 2.1775% | 254 |
| Pretax return on assets | 1.1351% | 2,827 |
| Return on Equity (ROE) | 22.4608% | 190 |
| Retained earnings to average equity (ytd only) | 22.4608% | 66 |
| Net charge-offs to loans | 0.1655% | 3,156 |
| Credit loss provision to net charge-offs | 194.1176% | 1,182 |
| Earnings coverage of net charge-offs (x) | 11.6275% | 2,215 |
| Efficiency ratio | 70.5268% | 3,747 |
| Assets per employee ($millions) | 5.2882% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7495% | 2,237 |
| Loan loss allowance to noncurrent loans | 35.5520% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 5.1770% | 446 |
| Noncurrent loans to loans | 4.9208% | 521 |
| Net loans and leases to total assets | 73.5225% | 1,430 |
| Net loans and leases to deposits | 82.6742% | 2,109 |
| Net loans and leases to core deposits | 86.7441% | 2,377 |
| Total domestic deposits to total assets | 88.9304% | 1,675 |
| Equity capital to assets | 10.5256% | 3,121 |
| Core capital (leverage) ratio | 10.3566% | 3,080 |
| Tier 1 risk-based capital ratio | 13.3019% | 4,787 |
| Total risk-based capital ratio | 14.5586% | 4,722 |
| Memoranda: | ||
| Average total assets | $130,564,000 | 4,061 |
| Average earning assets | $120,201,800 | 4,042 |
| Average equity | $12,657,600 | 4,322 |
| Average total loans | $92,428,800 | 3,632 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7392% | 1,501 |
| Cost of funding earning assets | 0.6810% | 2,092 |
| Net interest margin | 4.0581% | 1,765 |
| Noninterest income to average assets | 0.7824% | 2,238 |
| Noninterest expense to average assets | 3.0178% | 2,929 |
| Loan and lease loss provision to assets | 0.3074% | 1,102 |
| Net operating income to assets | 1.0753% | 2,098 |
| Return on assets (ROA) | 1.0753% | 2,178 |
| Pretax return on assets | 1.2005% | 2,692 |
| Return on Equity (ROE) | 11.3512% | 1,694 |
| Retained earnings to average equity (ytd only) | 11.3512% | 514 |
| Net charge-offs to loans | 0.0802% | 3,807 |
| Credit loss provision to net charge-offs | 550.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 26.9808% | 1,327 |
| Efficiency ratio | 66.6819% | 4,359 |
| Assets per employee ($millions) | 5.1522% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9771% | 1,779 |
| Loan loss allowance to noncurrent loans | 32.9116% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 6.2590% | 366 |
| Noncurrent loans to loans | 6.0074% | 427 |
| Net loans and leases to total assets | 73.0936% | 1,431 |
| Net loans and leases to deposits | 81.4290% | 2,209 |
| Net loans and leases to core deposits | 85.2151% | 2,503 |
| Total domestic deposits to total assets | 89.7637% | 1,132 |
| Equity capital to assets | 9.8342% | 4,126 |
| Core capital (leverage) ratio | 9.9980% | 3,684 |
| Tier 1 risk-based capital ratio | 13.3029% | 4,899 |
| Total risk-based capital ratio | 14.5618% | 4,834 |
| Memoranda: | ||
| Average total assets | $128,831,500 | 4,143 |
| Average earning assets | $118,836,500 | 4,112 |
| Average equity | $12,204,000 | 4,458 |
| Average total loans | $89,813,750 | 3,722 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5593% | 1,995 |
| Cost of funding earning assets | 0.7156% | 1,956 |
| Net interest margin | 3.8437% | 2,399 |
| Noninterest income to average assets | 0.8662% | 1,937 |
| Noninterest expense to average assets | 2.9090% | 3,300 |
| Loan and lease loss provision to assets | 0.4610% | 623 |
| Net operating income to assets | 0.9376% | 2,628 |
| Return on assets (ROA) | 0.9376% | 2,767 |
| Pretax return on assets | 1.0478% | 3,305 |
| Return on Equity (ROE) | 10.0252% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.0252% | 836 |
| Net charge-offs to loans | 0.0524% | 3,942 |
| Credit loss provision to net charge-offs | 1,291.3043% | 243 |
| Earnings coverage of net charge-offs (x) | 42.2609% | 894 |
| Efficiency ratio | 65.8468% | 4,579 |
| Assets per employee ($millions) | 5.0705% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0953% | 1,643 |
| Loan loss allowance to noncurrent loans | 27.4929% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 7.2908% | 319 |
| Noncurrent loans to loans | 7.6212% | 282 |
| Net loans and leases to total assets | 71.1422% | 1,702 |
| Net loans and leases to deposits | 79.1994% | 2,434 |
| Net loans and leases to core deposits | 82.9328% | 2,704 |
| Total domestic deposits to total assets | 89.8267% | 1,138 |
| Equity capital to assets | 9.6968% | 4,318 |
| Core capital (leverage) ratio | 9.6138% | 4,058 |
| Tier 1 risk-based capital ratio | 13.2408% | 4,967 |
| Total risk-based capital ratio | 14.5014% | 4,897 |
| Memoranda: | ||
| Average total assets | $128,840,000 | 4,164 |
| Average earning assets | $119,052,670 | 4,139 |
| Average equity | $12,049,670 | 4,520 |
| Average total loans | $87,735,670 | 3,776 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 2,252 |
| Cost of funding earning assets | 0.7638% | 1,760 |
| Net interest margin | 3.7126% | 2,804 |
| Noninterest income to average assets | 0.9178% | 1,700 |
| Noninterest expense to average assets | 2.7287% | 3,949 |
| Loan and lease loss provision to assets | 0.2618% | 1,361 |
| Net operating income to assets | 1.2412% | 1,412 |
| Return on assets (ROA) | 1.2412% | 1,517 |
| Pretax return on assets | 1.3705% | 1,966 |
| Return on Equity (ROE) | 13.5139% | 1,055 |
| Retained earnings to average equity (ytd only) | 13.5139% | 498 |
| Net charge-offs to loans | -0.0047% | 5,252 |
| Credit loss provision to net charge-offs | -8,500.0000% | 5,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5706% | 5,224 |
| Assets per employee ($millions) | 5.2074% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 1,895 |
| Loan loss allowance to noncurrent loans | 24.1944% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 7.5340% | 352 |
| Noncurrent loans to loans | 8.5094% | 297 |
| Net loans and leases to total assets | 63.6561% | 2,780 |
| Net loans and leases to deposits | 70.5127% | 3,394 |
| Net loans and leases to core deposits | 76.1673% | 3,299 |
| Total domestic deposits to total assets | 90.2761% | 893 |
| Equity capital to assets | 9.3137% | 5,112 |
| Core capital (leverage) ratio | 9.2737% | 4,447 |
| Tier 1 risk-based capital ratio | 14.6365% | 4,077 |
| Total risk-based capital ratio | 15.8970% | 4,033 |
| Memoranda: | ||
| Average total assets | $129,878,500 | 4,182 |
| Average earning assets | $120,454,000 | 4,146 |
| Average equity | $11,928,500 | 4,590 |
| Average total loans | $85,547,500 | 3,855 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8607% | 1,982 |
| Cost of funding earning assets | 0.8590% | 2,222 |
| Net interest margin | 4.0017% | 2,380 |
| Noninterest income to average assets | 0.6311% | 3,103 |
| Noninterest expense to average assets | 3.5296% | 1,760 |
| Loan and lease loss provision to assets | 0.3367% | 1,996 |
| Net operating income to assets | 0.4103% | 5,055 |
| Return on assets (ROA) | 0.4103% | 5,313 |
| Pretax return on assets | 0.4486% | 5,429 |
| Return on Equity (ROE) | 4.5945% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.5945% | 2,990 |
| Net charge-offs to loans | 0.8675% | 1,320 |
| Credit loss provision to net charge-offs | 57.8735% | 4,501 |
| Earnings coverage of net charge-offs (x) | 1.3499% | 4,782 |
| Efficiency ratio | 81.8000% | 1,897 |
| Assets per employee ($millions) | 5.1829% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9148% | 2,252 |
| Loan loss allowance to noncurrent loans | 22.1538% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 7.9970% | 339 |
| Noncurrent loans to loans | 8.6433% | 316 |
| Net loans and leases to total assets | 65.4666% | 2,619 |
| Net loans and leases to deposits | 72.2664% | 3,367 |
| Net loans and leases to core deposits | 78.0607% | 3,255 |
| Total domestic deposits to total assets | 90.5906% | 669 |
| Equity capital to assets | 9.0544% | 5,460 |
| Core capital (leverage) ratio | 9.0104% | 4,881 |
| Tier 1 risk-based capital ratio | 13.8457% | 4,495 |
| Total risk-based capital ratio | 15.1041% | 4,446 |
| Memoranda: | ||
| Average total assets | $127,719,000 | 4,198 |
| Average earning assets | $117,576,000 | 4,176 |
| Average equity | $11,405,000 | 4,688 |
| Average total loans | $85,647,400 | 3,861 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 2,114 |
| Cost of funding earning assets | 0.8673% | 2,410 |
| Net interest margin | 4.0061% | 2,484 |
| Noninterest income to average assets | 0.6203% | 3,153 |
| Noninterest expense to average assets | 3.6681% | 1,418 |
| Loan and lease loss provision to assets | 0.2536% | 2,542 |
| Net operating income to assets | 0.2735% | 5,703 |
| Return on assets (ROA) | 0.2735% | 5,895 |
| Pretax return on assets | 0.3814% | 5,759 |
| Return on Equity (ROE) | 3.0732% | 5,654 |
| Retained earnings to average equity (ytd only) | 3.0732% | 4,711 |
| Net charge-offs to loans | 0.4604% | 2,259 |
| Credit loss provision to net charge-offs | 82.0339% | 3,557 |
| Earnings coverage of net charge-offs (x) | 2.0543% | 4,239 |
| Efficiency ratio | 85.2447% | 1,452 |
| Assets per employee ($millions) | 5.3665% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1374% | 1,838 |
| Loan loss allowance to noncurrent loans | 23.8160% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 8.3808% | 353 |
| Noncurrent loans to loans | 8.9746% | 308 |
| Net loans and leases to total assets | 68.1129% | 2,276 |
| Net loans and leases to deposits | 75.1214% | 3,126 |
| Net loans and leases to core deposits | 80.9803% | 3,090 |
| Total domestic deposits to total assets | 90.6704% | 531 |
| Equity capital to assets | 8.8862% | 5,936 |
| Core capital (leverage) ratio | 8.8686% | 5,240 |
| Tier 1 risk-based capital ratio | 12.9802% | 5,271 |
| Total risk-based capital ratio | 14.2416% | 5,223 |
| Memoranda: | ||
| Average total assets | $127,255,500 | 4,245 |
| Average earning assets | $116,984,750 | 4,226 |
| Average equity | $11,323,250 | 4,748 |
| Average total loans | $85,438,500 | 3,901 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 1,953 |
| Cost of funding earning assets | 0.8779% | 2,580 |
| Net interest margin | 4.0643% | 2,232 |
| Noninterest income to average assets | 0.6012% | 3,256 |
| Noninterest expense to average assets | 4.0223% | 915 |
| Loan and lease loss provision to assets | 0.1310% | 3,888 |
| Net operating income to assets | 0.0679% | 6,228 |
| Return on assets (ROA) | 0.0679% | 6,365 |
| Pretax return on assets | 0.1736% | 6,189 |
| Return on Equity (ROE) | 0.7622% | 6,342 |
| Retained earnings to average equity (ytd only) | 0.7622% | 5,759 |
| Net charge-offs to loans | 0.1238% | 3,936 |
| Credit loss provision to net charge-offs | 159.6154% | 1,742 |
| Earnings coverage of net charge-offs (x) | 3.7115% | 3,296 |
| Efficiency ratio | 92.9613% | 869 |
| Assets per employee ($millions) | 5.3238% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3584% | 1,484 |
| Loan loss allowance to noncurrent loans | 27.0490% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 7.9391% | 434 |
| Noncurrent loans to loans | 8.7190% | 368 |
| Net loans and leases to total assets | 64.8053% | 2,875 |
| Net loans and leases to deposits | 71.4423% | 3,690 |
| Net loans and leases to core deposits | 76.8723% | 3,672 |
| Total domestic deposits to total assets | 90.7100% | 557 |
| Equity capital to assets | 8.8267% | 5,880 |
| Core capital (leverage) ratio | 8.8728% | 5,085 |
| Tier 1 risk-based capital ratio | 13.2135% | 5,024 |
| Total risk-based capital ratio | 14.4778% | 4,991 |
| Memoranda: | ||
| Average total assets | $126,742,330 | 4,272 |
| Average earning assets | $116,182,330 | 4,269 |
| Average equity | $11,282,670 | 4,757 |
| Average total loans | $84,037,330 | 3,975 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 2,154 |
| Cost of funding earning assets | 0.8995% | 2,698 |
| Net interest margin | 4.0253% | 2,399 |
| Noninterest income to average assets | 0.5989% | 3,238 |
| Noninterest expense to average assets | 3.9991% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2725% | 5,739 |
| Return on assets (ROA) | 0.2725% | 5,904 |
| Pretax return on assets | 0.2725% | 6,029 |
| Return on Equity (ROE) | 3.0483% | 5,700 |
| Retained earnings to average equity (ytd only) | 3.0483% | 4,730 |
| Net charge-offs to loans | -0.0048% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6202% | 841 |
| Assets per employee ($millions) | 5.2733% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3257% | 1,634 |
| Loan loss allowance to noncurrent loans | 52.9997% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 6.0020% | 784 |
| Noncurrent loans to loans | 4.3882% | 1,347 |
| Net loans and leases to total assets | 65.3732% | 2,586 |
| Net loans and leases to deposits | 72.1524% | 3,415 |
| Net loans and leases to core deposits | 77.0538% | 3,462 |
| Total domestic deposits to total assets | 90.6043% | 745 |
| Equity capital to assets | 8.9556% | 5,564 |
| Core capital (leverage) ratio | 8.9772% | 4,876 |
| Tier 1 risk-based capital ratio | 12.9773% | 5,236 |
| Total risk-based capital ratio | 14.2395% | 5,198 |
| Memoranda: | ||
| Average total assets | $126,227,500 | 4,321 |
| Average earning assets | $115,171,500 | 4,304 |
| Average equity | $11,285,000 | 4,772 |
| Average total loans | $83,654,500 | 4,019 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9887% | 2,929 |
| Cost of funding earning assets | 1.1443% | 2,383 |
| Net interest margin | 3.8444% | 3,598 |
| Noninterest income to average assets | 0.2661% | 5,617 |
| Noninterest expense to average assets | 3.2902% | 2,552 |
| Loan and lease loss provision to assets | 0.8941% | 1,075 |
| Net operating income to assets | -0.7506% | 6,629 |
| Return on assets (ROA) | -0.7506% | 6,665 |
| Pretax return on assets | -0.3769% | 6,409 |
| Return on Equity (ROE) | -8.1414% | 6,683 |
| Retained earnings to average equity (ytd only) | -8.1414% | 6,630 |
| Net charge-offs to loans | 2.0468% | 672 |
| Credit loss provision to net charge-offs | 61.6792% | 5,127 |
| Earnings coverage of net charge-offs (x) | 0.3568% | 5,552 |
| Efficiency ratio | 86.4139% | 1,505 |
| Assets per employee ($millions) | 5.2457% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3837% | 1,485 |
| Loan loss allowance to noncurrent loans | 50.0127% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 6.4728% | 728 |
| Noncurrent loans to loans | 4.7661% | 1,219 |
| Net loans and leases to total assets | 64.0484% | 3,182 |
| Net loans and leases to deposits | 70.6055% | 4,004 |
| Net loans and leases to core deposits | 77.2211% | 3,792 |
| Total domestic deposits to total assets | 90.7130% | 624 |
| Equity capital to assets | 8.9248% | 5,647 |
| Core capital (leverage) ratio | 8.7665% | 5,151 |
| Tier 1 risk-based capital ratio | 13.1724% | 4,935 |
| Total risk-based capital ratio | 14.4362% | 4,903 |
| Memoranda: | ||
| Average total assets | $128,166,800 | 4,212 |
| Average earning assets | $118,067,400 | 4,180 |
| Average equity | $11,816,200 | 4,595 |
| Average total loans | $90,775,400 | 3,832 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 3,317 |
| Cost of funding earning assets | 1.1817% | 2,436 |
| Net interest margin | 3.7704% | 4,014 |
| Noninterest income to average assets | 0.1253% | 6,629 |
| Noninterest expense to average assets | 3.3060% | 2,478 |
| Loan and lease loss provision to assets | 0.8721% | 1,040 |
| Net operating income to assets | -0.5696% | 6,678 |
| Return on assets (ROA) | -0.5696% | 6,721 |
| Pretax return on assets | -0.5696% | 6,664 |
| Return on Equity (ROE) | -6.1308% | 6,725 |
| Retained earnings to average equity (ytd only) | -6.1308% | 6,651 |
| Net charge-offs to loans | 2.2438% | 543 |
| Credit loss provision to net charge-offs | 53.9052% | 4,950 |
| Earnings coverage of net charge-offs (x) | 0.1869% | 5,458 |
| Efficiency ratio | 91.6188% | 1,056 |
| Assets per employee ($millions) | 5.2368% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1821% | 1,899 |
| Loan loss allowance to noncurrent loans | 31.6648% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 6.4376% | 807 |
| Noncurrent loans to loans | 6.8914% | 730 |
| Net loans and leases to total assets | 69.9418% | 2,092 |
| Net loans and leases to deposits | 77.3866% | 3,105 |
| Net loans and leases to core deposits | 82.8847% | 3,206 |
| Total domestic deposits to total assets | 90.3798% | 686 |
| Equity capital to assets | 9.2160% | 5,485 |
| Core capital (leverage) ratio | 8.6955% | 5,419 |
| Tier 1 risk-based capital ratio | 12.6042% | 5,400 |
| Total risk-based capital ratio | 13.8671% | 5,372 |
| Memoranda: | ||
| Average total assets | $128,734,250 | 4,224 |
| Average earning assets | $118,924,250 | 4,180 |
| Average equity | $11,961,250 | 4,578 |
| Average total loans | $92,818,250 | 3,824 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 3,676 |
| Cost of funding earning assets | 1.2321% | 2,368 |
| Net interest margin | 3.6562% | 4,491 |
| Noninterest income to average assets | 0.0987% | 6,834 |
| Noninterest expense to average assets | 3.3541% | 2,390 |
| Loan and lease loss provision to assets | 0.2173% | 3,746 |
| Net operating income to assets | -0.0971% | 6,346 |
| Return on assets (ROA) | -0.0971% | 6,400 |
| Pretax return on assets | -0.0971% | 6,362 |
| Return on Equity (ROE) | -1.0424% | 6,407 |
| Retained earnings to average equity (ytd only) | -1.0424% | 6,060 |
| Net charge-offs to loans | 1.4477% | 1,036 |
| Credit loss provision to net charge-offs | 20.7658% | 5,122 |
| Earnings coverage of net charge-offs (x) | 0.1149% | 5,205 |
| Efficiency ratio | 96.5395% | 852 |
| Assets per employee ($millions) | 5.5536% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3246% | 1,706 |
| Loan loss allowance to noncurrent loans | 26.7140% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 7.6324% | 625 |
| Noncurrent loans to loans | 8.7019% | 486 |
| Net loans and leases to total assets | 70.4945% | 2,115 |
| Net loans and leases to deposits | 78.1408% | 3,099 |
| Net loans and leases to core deposits | 84.5754% | 3,125 |
| Total domestic deposits to total assets | 90.2147% | 854 |
| Equity capital to assets | 9.4385% | 4,913 |
| Core capital (leverage) ratio | 8.9780% | 4,759 |
| Tier 1 risk-based capital ratio | 12.7802% | 5,108 |
| Total risk-based capital ratio | 14.0443% | 5,068 |
| Memoranda: | ||
| Average total assets | $129,751,330 | 4,235 |
| Average earning assets | $119,796,000 | 4,190 |
| Average equity | $12,087,330 | 4,537 |
| Average total loans | $93,802,330 | 3,844 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 3,704 |
| Cost of funding earning assets | 1.2918% | 2,232 |
| Net interest margin | 3.5831% | 4,651 |
| Noninterest income to average assets | 0.2784% | 5,675 |
| Noninterest expense to average assets | 3.2884% | 2,599 |
| Loan and lease loss provision to assets | 0.2294% | 3,358 |
| Net operating income to assets | 0.0612% | 6,207 |
| Return on assets (ROA) | 0.0612% | 6,252 |
| Pretax return on assets | 0.0612% | 6,252 |
| Return on Equity (ROE) | 0.6610% | 6,227 |
| Retained earnings to average equity (ytd only) | 0.6610% | 5,561 |
| Net charge-offs to loans | 0.2537% | 3,067 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 1.5833% | 3,526 |
| Efficiency ratio | 91.8803% | 1,173 |
| Assets per employee ($millions) | 5.9277% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8948% | 1,012 |
| Loan loss allowance to noncurrent loans | 29.6786% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 8.9295% | 486 |
| Noncurrent loans to loans | 9.7537% | 418 |
| Net loans and leases to total assets | 69.3490% | 2,256 |
| Net loans and leases to deposits | 76.7263% | 3,294 |
| Net loans and leases to core deposits | 83.1790% | 3,283 |
| Total domestic deposits to total assets | 90.3849% | 912 |
| Equity capital to assets | 9.2869% | 4,751 |
| Core capital (leverage) ratio | 8.9004% | 4,771 |
| Tier 1 risk-based capital ratio | 12.6146% | 5,153 |
| Total risk-based capital ratio | 13.8860% | 5,110 |
| Memoranda: | ||
| Average total assets | $130,761,000 | 4,238 |
| Average earning assets | $120,453,000 | 4,209 |
| Average equity | $12,103,000 | 4,523 |
| Average total loans | $94,610,000 | 3,865 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 2,988 |
| Cost of funding earning assets | 1.6566% | 1,794 |
| Net interest margin | 3.6714% | 4,486 |
| Noninterest income to average assets | 0.2598% | 5,940 |
| Noninterest expense to average assets | 2.5816% | 5,493 |
| Loan and lease loss provision to assets | 1.6495% | 866 |
| Net operating income to assets | -0.5452% | 6,418 |
| Return on assets (ROA) | -0.5452% | 6,444 |
| Pretax return on assets | -0.5452% | 6,351 |
| Return on Equity (ROE) | -6.1908% | 6,510 |
| Retained earnings to average equity (ytd only) | -6.1908% | 6,400 |
| Net charge-offs to loans | 1.7065% | 1,267 |
| Credit loss provision to net charge-offs | 128.3362% | 3,124 |
| Earnings coverage of net charge-offs (x) | 0.8592% | 5,274 |
| Efficiency ratio | 70.0396% | 4,175 |
| Assets per employee ($millions) | 5.7005% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7902% | 1,068 |
| Loan loss allowance to noncurrent loans | 33.0743% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 8.1358% | 603 |
| Noncurrent loans to loans | 8.4362% | 588 |
| Net loans and leases to total assets | 71.2406% | 2,250 |
| Net loans and leases to deposits | 78.7251% | 3,382 |
| Net loans and leases to core deposits | 85.7580% | 3,354 |
| Total domestic deposits to total assets | 90.4929% | 839 |
| Equity capital to assets | 9.2249% | 4,798 |
| Core capital (leverage) ratio | 8.4666% | 5,422 |
| Tier 1 risk-based capital ratio | 12.2773% | 5,229 |
| Total risk-based capital ratio | 13.5469% | 5,176 |
| Memoranda: | ||
| Average total assets | $137,008,400 | 4,120 |
| Average earning assets | $127,851,400 | 4,069 |
| Average equity | $12,066,200 | 4,583 |
| Average total loans | $103,195,000 | 3,703 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2810% | 3,447 |
| Cost of funding earning assets | 1.7048% | 1,854 |
| Net interest margin | 3.5762% | 4,986 |
| Noninterest income to average assets | 0.1887% | 6,534 |
| Noninterest expense to average assets | 2.5504% | 5,515 |
| Loan and lease loss provision to assets | 1.9102% | 637 |
| Net operating income to assets | -0.9252% | 6,859 |
| Return on assets (ROA) | -0.9252% | 6,900 |
| Pretax return on assets | -0.9252% | 6,815 |
| Return on Equity (ROE) | -10.6253% | 6,954 |
| Retained earnings to average equity (ytd only) | -10.6253% | 6,909 |
| Net charge-offs to loans | 2.0017% | 944 |
| Credit loss provision to net charge-offs | 125.8883% | 3,245 |
| Earnings coverage of net charge-offs (x) | 0.6491% | 5,395 |
| Efficiency ratio | 72.1405% | 3,669 |
| Assets per employee ($millions) | 6.2938% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5188% | 1,294 |
| Loan loss allowance to noncurrent loans | 24.6174% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 8.9229% | 515 |
| Noncurrent loans to loans | 10.2318% | 399 |
| Net loans and leases to total assets | 72.3914% | 2,170 |
| Net loans and leases to deposits | 79.4761% | 3,549 |
| Net loans and leases to core deposits | 92.4823% | 2,730 |
| Total domestic deposits to total assets | 91.0858% | 420 |
| Equity capital to assets | 8.6073% | 6,144 |
| Core capital (leverage) ratio | 8.2173% | 6,011 |
| Tier 1 risk-based capital ratio | 11.2103% | 6,178 |
| Total risk-based capital ratio | 12.4762% | 6,163 |
| Memoranda: | ||
| Average total assets | $138,482,500 | 4,135 |
| Average earning assets | $129,594,000 | 4,080 |
| Average equity | $12,059,000 | 4,661 |
| Average total loans | $104,972,250 | 3,707 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3540% | 3,198 |
| Cost of funding earning assets | 1.7359% | 1,936 |
| Net interest margin | 3.6181% | 4,738 |
| Noninterest income to average assets | 0.1386% | 6,889 |
| Noninterest expense to average assets | 2.5273% | 5,620 |
| Loan and lease loss provision to assets | 2.7208% | 390 |
| Net operating income to assets | -1.7171% | 7,226 |
| Return on assets (ROA) | -1.7171% | 7,236 |
| Pretax return on assets | -1.7171% | 7,153 |
| Return on Equity (ROE) | -19.6432% | 7,270 |
| Retained earnings to average equity (ytd only) | -19.6432% | 7,248 |
| Net charge-offs to loans | 1.8734% | 990 |
| Credit loss provision to net charge-offs | 190.3030% | 2,073 |
| Earnings coverage of net charge-offs (x) | 0.7020% | 5,041 |
| Efficiency ratio | 71.5746% | 3,880 |
| Assets per employee ($millions) | 5.9223% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9957% | 825 |
| Loan loss allowance to noncurrent loans | 34.9030% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 7.0698% | 746 |
| Noncurrent loans to loans | 8.5828% | 573 |
| Net loans and leases to total assets | 73.1246% | 2,133 |
| Net loans and leases to deposits | 80.1710% | 3,570 |
| Net loans and leases to core deposits | 93.6050% | 2,783 |
| Total domestic deposits to total assets | 91.2109% | 411 |
| Equity capital to assets | 8.5336% | 6,123 |
| Core capital (leverage) ratio | 8.0938% | 6,131 |
| Tier 1 risk-based capital ratio | 11.0906% | 6,142 |
| Total risk-based capital ratio | 12.3628% | 6,113 |
| Memoranda: | ||
| Average total assets | $138,488,670 | 4,165 |
| Average earning assets | $129,846,670 | 4,088 |
| Average equity | $12,106,000 | 4,651 |
| Average total loans | $105,687,670 | 3,730 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3710% | 3,188 |
| Cost of funding earning assets | 1.7812% | 1,963 |
| Net interest margin | 3.5898% | 4,775 |
| Noninterest income to average assets | 0.1490% | 6,903 |
| Noninterest expense to average assets | 2.2832% | 6,430 |
| Loan and lease loss provision to assets | 3.5953% | 259 |
| Net operating income to assets | -2.3577% | 7,529 |
| Return on assets (ROA) | -2.3577% | 7,535 |
| Pretax return on assets | -2.3577% | 7,492 |
| Return on Equity (ROE) | -26.6623% | 7,527 |
| Retained earnings to average equity (ytd only) | -26.6623% | 7,488 |
| Net charge-offs to loans | 3.4966% | 405 |
| Credit loss provision to net charge-offs | 133.9381% | 2,631 |
| Earnings coverage of net charge-offs (x) | 0.4610% | 4,610 |
| Efficiency ratio | 64.8495% | 5,334 |
| Assets per employee ($millions) | 6.6549% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3791% | 1,447 |
| Loan loss allowance to noncurrent loans | 29.1240% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 6.3698% | 906 |
| Noncurrent loans to loans | 8.1688% | 650 |
| Net loans and leases to total assets | 73.4031% | 2,108 |
| Net loans and leases to deposits | 80.4964% | 3,555 |
| Net loans and leases to core deposits | 98.8409% | 2,256 |
| Total domestic deposits to total assets | 91.1880% | 470 |
| Equity capital to assets | 8.5429% | 5,946 |
| Core capital (leverage) ratio | 8.2354% | 5,854 |
| Tier 1 risk-based capital ratio | 11.2366% | 5,914 |
| Total risk-based capital ratio | 12.5020% | 5,860 |
| Memoranda: | ||
| Average total assets | $139,626,000 | 4,202 |
| Average earning assets | $131,149,500 | 4,130 |
| Average equity | $12,347,000 | 4,628 |
| Average total loans | $107,190,500 | 3,750 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5621% | 3,800 |
| Cost of funding earning assets | 2.7044% | 583 |
| Net interest margin | 2.8577% | 6,943 |
| Noninterest income to average assets | 0.2426% | 6,360 |
| Noninterest expense to average assets | 2.1838% | 7,028 |
| Loan and lease loss provision to assets | 2.9450% | 597 |
| Net operating income to assets | -2.2227% | 7,172 |
| Return on assets (ROA) | -2.2220% | 7,173 |
| Pretax return on assets | -2.2220% | 7,028 |
| Return on Equity (ROE) | -24.0347% | 7,265 |
| Retained earnings to average equity (ytd only) | -24.0347% | 7,238 |
| Net charge-offs to loans | 2.9113% | 739 |
| Credit loss provision to net charge-offs | 127.0757% | 4,085 |
| Earnings coverage of net charge-offs (x) | 0.3117% | 5,806 |
| Efficiency ratio | 75.1461% | 3,679 |
| Assets per employee ($millions) | 6.6428% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9964% | 2,037 |
| Loan loss allowance to noncurrent loans | 26.2039% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 5.9692% | 947 |
| Noncurrent loans to loans | 7.6186% | 683 |
| Net loans and leases to total assets | 76.7862% | 1,631 |
| Net loans and leases to deposits | 84.7551% | 3,131 |
| Net loans and leases to core deposits | 121.2762% | 1,857 |
| Total domestic deposits to total assets | 90.5978% | 699 |
| Equity capital to assets | 9.1434% | 4,923 |
| Core capital (leverage) ratio | 8.4273% | 5,391 |
| Tier 1 risk-based capital ratio | 11.1944% | 5,729 |
| Total risk-based capital ratio | 12.4535% | 5,668 |
| Memoranda: | ||
| Average total assets | $141,358,800 | 4,094 |
| Average earning assets | $131,748,200 | 4,049 |
| Average equity | $13,068,600 | 4,496 |
| Average total loans | $112,525,400 | 3,636 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 4,046 |
| Cost of funding earning assets | 2.8388% | 539 |
| Net interest margin | 2.7296% | 7,169 |
| Noninterest income to average assets | 0.2679% | 6,321 |
| Noninterest expense to average assets | 2.2102% | 6,947 |
| Loan and lease loss provision to assets | 3.3684% | 406 |
| Net operating income to assets | -2.7724% | 7,534 |
| Return on assets (ROA) | -2.7724% | 7,537 |
| Pretax return on assets | -2.7724% | 7,444 |
| Return on Equity (ROE) | -29.9072% | 7,603 |
| Retained earnings to average equity (ytd only) | -29.9072% | 7,592 |
| Net charge-offs to loans | 3.2682% | 490 |
| Credit loss provision to net charge-offs | 128.9777% | 3,886 |
| Earnings coverage of net charge-offs (x) | 0.2282% | 5,789 |
| Efficiency ratio | 78.7605% | 3,042 |
| Assets per employee ($millions) | 6.2071% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 2,146 |
| Loan loss allowance to noncurrent loans | 42.2450% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 3.3369% | 2,020 |
| Noncurrent loans to loans | 4.3889% | 1,608 |
| Net loans and leases to total assets | 74.6206% | 2,333 |
| Net loans and leases to deposits | 81.5181% | 4,111 |
| Net loans and leases to core deposits | 111.4126% | 3,080 |
| Total domestic deposits to total assets | 91.5386% | 251 |
| Equity capital to assets | 8.0922% | 6,753 |
| Core capital (leverage) ratio | 7.8130% | 6,599 |
| Tier 1 risk-based capital ratio | 10.1777% | 6,807 |
| Total risk-based capital ratio | 11.4349% | 6,734 |
| Memoranda: | ||
| Average total assets | $141,823,750 | 4,100 |
| Average earning assets | $131,885,500 | 4,073 |
| Average equity | $13,147,000 | 4,501 |
| Average total loans | $113,332,250 | 3,647 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6398% | 3,865 |
| Cost of funding earning assets | 2.9473% | 544 |
| Net interest margin | 2.6925% | 7,220 |
| Noninterest income to average assets | 0.3127% | 6,009 |
| Noninterest expense to average assets | 2.2389% | 6,949 |
| Loan and lease loss provision to assets | 3.9931% | 311 |
| Net operating income to assets | -3.4337% | 7,755 |
| Return on assets (ROA) | -3.4337% | 7,756 |
| Pretax return on assets | -3.4337% | 7,667 |
| Return on Equity (ROE) | -35.4378% | 7,791 |
| Retained earnings to average equity (ytd only) | -35.4378% | 7,774 |
| Net charge-offs to loans | 4.8502% | 258 |
| Credit loss provision to net charge-offs | 101.2732% | 4,512 |
| Earnings coverage of net charge-offs (x) | 0.1419% | 5,527 |
| Efficiency ratio | 80.0103% | 3,040 |
| Assets per employee ($millions) | 5.7786% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,258 |
| Loan loss allowance to noncurrent loans | 45.6731% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 2.0157% | 3,177 |
| Noncurrent loans to loans | 2.5223% | 2,865 |
| Net loans and leases to total assets | 78.9963% | 1,521 |
| Net loans and leases to deposits | 86.4384% | 3,470 |
| Net loans and leases to core deposits | 122.0217% | 2,205 |
| Total domestic deposits to total assets | 91.3903% | 344 |
| Equity capital to assets | 8.2020% | 6,487 |
| Core capital (leverage) ratio | 8.0039% | 6,323 |
| Tier 1 risk-based capital ratio | 9.3619% | 7,500 |
| Total risk-based capital ratio | 10.4567% | 7,587 |
| Memoranda: | ||
| Average total assets | $139,441,330 | 4,183 |
| Average earning assets | $128,727,330 | 4,167 |
| Average equity | $13,511,000 | 4,419 |
| Average total loans | $113,355,330 | 3,691 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8886% | 2,859 |
| Cost of funding earning assets | 3.0437% | 539 |
| Net interest margin | 2.8448% | 6,887 |
| Noninterest income to average assets | 0.3593% | 5,569 |
| Noninterest expense to average assets | 2.3019% | 6,535 |
| Loan and lease loss provision to assets | 0.2921% | 3,619 |
| Net operating income to assets | 0.2454% | 5,503 |
| Return on assets (ROA) | 0.2454% | 5,670 |
| Pretax return on assets | 0.3973% | 5,402 |
| Return on Equity (ROE) | 2.3428% | 5,643 |
| Retained earnings to average equity (ytd only) | 2.3428% | 4,571 |
| Net charge-offs to loans | 0.5342% | 2,115 |
| Credit loss provision to net charge-offs | 66.6667% | 4,404 |
| Earnings coverage of net charge-offs (x) | 1.5733% | 3,941 |
| Efficiency ratio | 76.9531% | 3,335 |
| Assets per employee ($millions) | 6.3622% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,659 |
| Loan loss allowance to noncurrent loans | 52.7766% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 1.6854% | 3,396 |
| Noncurrent loans to loans | 2.0349% | 3,220 |
| Net loans and leases to total assets | 81.9331% | 1,029 |
| Net loans and leases to deposits | 91.7426% | 2,643 |
| Net loans and leases to core deposits | 131.3477% | 1,577 |
| Total domestic deposits to total assets | 89.3076% | 1,097 |
| Equity capital to assets | 10.2687% | 3,686 |
| Core capital (leverage) ratio | 10.4733% | 2,962 |
| Tier 1 risk-based capital ratio | 11.4194% | 5,486 |
| Total risk-based capital ratio | 12.4115% | 5,667 |
| Memoranda: | ||
| Average total assets | $136,929,500 | 4,252 |
| Average earning assets | $126,686,000 | 4,231 |
| Average equity | $14,342,000 | 4,258 |
| Average total loans | $112,307,000 | 3,736 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2945% | 3,988 |
| Cost of funding earning assets | 3.4903% | 532 |
| Net interest margin | 2.8042% | 7,328 |
| Noninterest income to average assets | 0.2558% | 6,620 |
| Noninterest expense to average assets | 2.4001% | 6,392 |
| Loan and lease loss provision to assets | 0.1946% | 4,931 |
| Net operating income to assets | 0.6986% | 3,897 |
| Return on assets (ROA) | 0.6986% | 3,734 |
| Pretax return on assets | 0.2907% | 5,530 |
| Return on Equity (ROE) | 6.0025% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.0025% | 1,534 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1811% | 2,153 |
| Assets per employee ($millions) | 6.0859% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 4,607 |
| Loan loss allowance to noncurrent loans | 863.3333% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 7,130 |
| Noncurrent loans to loans | 0.1380% | 6,997 |
| Net loans and leases to total assets | 80.2099% | 1,608 |
| Net loans and leases to deposits | 90.3160% | 3,400 |
| Net loans and leases to core deposits | 126.6591% | 2,116 |
| Total domestic deposits to total assets | 88.8102% | 1,105 |
| Equity capital to assets | 10.6886% | 3,308 |
| Core capital (leverage) ratio | 11.2370% | 2,405 |
| Tier 1 risk-based capital ratio | 11.9109% | 4,898 |
| Total risk-based capital ratio | 12.9936% | 4,936 |
| Memoranda: | ||
| Average total assets | $117,661,000 | 4,575 |
| Average earning assets | $110,334,200 | 4,506 |
| Average equity | $13,694,200 | 4,404 |
| Average total loans | $97,911,000 | 4,009 |