Home > Marathon Bank > Performance and Condition Ratios
Marathon Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 3,333 |
| Cost of funding earning assets | 1.4661% | 2,031 |
| Net interest margin | 2.9018% | 3,487 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.5078% | 2,274 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.5361% | 3,597 |
| Return on assets (ROA) | 0.5361% | 3,584 |
| Pretax return on assets | 0.7148% | 3,405 |
| Return on Equity (ROE) | 4.5200% | 3,810 |
| Retained earnings to average equity (ytd only) | 4.5220% | 2,782 |
| Net charge-offs to loans | -0.0564% | 4,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.7847% | 1,002 |
| Assets per employee ($millions) | 7.3592% | 1,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,222 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 500 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 82.4300% | 397 |
| Net loans and leases to deposits | 106.1960% | 285 |
| Net loans and leases to core deposits | 125.8354% | 488 |
| Total domestic deposits to total assets | 77.6200% | 3,776 |
| Equity capital to assets | 12.3162% | 1,030 |
| Core capital (leverage) ratio | 12.3542% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $237,816,600 | 2,752 |
| Average earning assets | $217,794,200 | 2,755 |
| Average equity | $28,195,400 | 2,353 |
| Average total loans | $198,658,000 | 2,290 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 3,248 |
| Cost of funding earning assets | 1.3812% | 1,914 |
| Net interest margin | 2.9449% | 3,440 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.4877% | 2,272 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5358% | 3,693 |
| Return on assets (ROA) | 0.5358% | 3,676 |
| Pretax return on assets | 0.7835% | 3,370 |
| Return on Equity (ROE) | 4.5600% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.5629% | 3,079 |
| Net charge-offs to loans | -0.0729% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.5178% | 1,224 |
| Assets per employee ($millions) | 6.7735% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,039 |
| Loan loss allowance to noncurrent loans | 3,081.1594% | 357 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 508 |
| Noncurrent loans to loans | 0.0346% | 3,518 |
| Net loans and leases to total assets | 83.2100% | 348 |
| Net loans and leases to deposits | 102.2310% | 425 |
| Net loans and leases to core deposits | 124.7783% | 440 |
| Total domestic deposits to total assets | 81.4000% | 3,325 |
| Equity capital to assets | 12.0578% | 1,027 |
| Core capital (leverage) ratio | 12.3554% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $238,397,000 | 2,757 |
| Average earning assets | $219,130,000 | 2,757 |
| Average equity | $27,993,250 | 2,354 |
| Average total loans | $199,294,000 | 2,292 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 3,167 |
| Cost of funding earning assets | 1.2880% | 1,740 |
| Net interest margin | 2.9735% | 3,499 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.4829% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7227% | 3,291 |
| Return on assets (ROA) | 0.7227% | 3,290 |
| Pretax return on assets | 0.9253% | 3,108 |
| Return on Equity (ROE) | 6.2100% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.2096% | 2,544 |
| Net charge-offs to loans | -0.1054% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.8501% | 1,471 |
| Assets per employee ($millions) | 6.8561% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 3,710 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 488 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 82.4000% | 388 |
| Net loans and leases to deposits | 98.2631% | 590 |
| Net loans and leases to core deposits | 121.0503% | 489 |
| Total domestic deposits to total assets | 83.8500% | 2,856 |
| Equity capital to assets | 11.7705% | 1,114 |
| Core capital (leverage) ratio | 12.0207% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $238,838,000 | 2,758 |
| Average earning assets | $220,816,000 | 2,757 |
| Average equity | $27,795,667 | 2,374 |
| Average total loans | $199,259,333 | 2,292 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 3,166 |
| Cost of funding earning assets | 1.1637% | 1,552 |
| Net interest margin | 2.9736% | 3,653 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.5080% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5842% | 3,721 |
| Return on assets (ROA) | 0.5842% | 3,688 |
| Pretax return on assets | 0.7185% | 3,621 |
| Return on Equity (ROE) | 5.0500% | 3,883 |
| Retained earnings to average equity (ytd only) | 5.0488% | 3,013 |
| Net charge-offs to loans | -0.0080% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.7315% | 1,026 |
| Assets per employee ($millions) | 7.2712% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 3,977 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 84.2100% | 221 |
| Net loans and leases to deposits | 98.6959% | 498 |
| Net loans and leases to core deposits | 120.1138% | 430 |
| Total domestic deposits to total assets | 85.3300% | 2,765 |
| Equity capital to assets | 11.5745% | 1,132 |
| Core capital (leverage) ratio | 12.0153% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $238,274,500 | 2,805 |
| Average earning assets | $221,013,000 | 2,791 |
| Average equity | $27,571,000 | 2,417 |
| Average total loans | $199,109,000 | 2,311 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7396% | 2,432 |
| Cost of funding earning assets | 0.6606% | 690 |
| Net interest margin | 3.0790% | 3,230 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.5125% | 2,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6512% | 3,754 |
| Return on assets (ROA) | 0.6596% | 3,684 |
| Pretax return on assets | 0.8526% | 3,484 |
| Return on Equity (ROE) | 5.5400% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.5409% | 2,814 |
| Net charge-offs to loans | 0.0649% | 998 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 16.2564% | 1,984 |
| Efficiency ratio | 74.9010% | 1,127 |
| Assets per employee ($millions) | 7.1697% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8925% | 3,802 |
| Loan loss allowance to noncurrent loans | 3,154.5455% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,602 |
| Noncurrent loans to loans | 0.0283% | 3,586 |
| Net loans and leases to total assets | 81.4300% | 460 |
| Net loans and leases to deposits | 93.3353% | 823 |
| Net loans and leases to core deposits | 113.0252% | 514 |
| Total domestic deposits to total assets | 87.2500% | 2,305 |
| Equity capital to assets | 11.5676% | 1,064 |
| Core capital (leverage) ratio | 11.7411% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $225,910,400 | 2,868 |
| Average earning assets | $209,192,200 | 2,867 |
| Average equity | $26,891,000 | 2,488 |
| Average total loans | $180,213,600 | 2,370 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 2,348 |
| Cost of funding earning assets | 0.5286% | 646 |
| Net interest margin | 3.0713% | 3,014 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.5174% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6946% | 3,582 |
| Return on assets (ROA) | 0.6946% | 3,542 |
| Pretax return on assets | 0.8947% | 3,334 |
| Return on Equity (ROE) | 5.7900% | 3,832 |
| Retained earnings to average equity (ytd only) | 5.7921% | 2,821 |
| Net charge-offs to loans | -0.0121% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.7791% | 1,300 |
| Assets per employee ($millions) | 7.1538% | 1,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 3,664 |
| Loan loss allowance to noncurrent loans | 31,150.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,999 |
| Noncurrent loans to loans | 0.0031% | 3,945 |
| Net loans and leases to total assets | 81.9200% | 379 |
| Net loans and leases to deposits | 100.7134% | 338 |
| Net loans and leases to core deposits | 117.9389% | 298 |
| Total domestic deposits to total assets | 81.3400% | 3,928 |
| Equity capital to assets | 11.5290% | 996 |
| Core capital (leverage) ratio | 12.3153% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $223,238,000 | 2,899 |
| Average earning assets | $206,592,500 | 2,905 |
| Average equity | $26,771,500 | 2,528 |
| Average total loans | $176,665,000 | 2,402 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5109% | 2,108 |
| Cost of funding earning assets | 0.4922% | 537 |
| Net interest margin | 3.0186% | 2,829 |
| Noninterest income to average assets | 0.5280% | 2,050 |
| Noninterest expense to average assets | 2.5302% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5901% | 3,654 |
| Return on assets (ROA) | 0.5901% | 3,596 |
| Pretax return on assets | 0.7874% | 3,360 |
| Return on Equity (ROE) | 4.8529% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.8529% | 2,765 |
| Net charge-offs to loans | -0.0141% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2665% | 1,247 |
| Assets per employee ($millions) | 6.2963% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,617 |
| Loan loss allowance to noncurrent loans | 1,621.7391% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,466 |
| Noncurrent loans to loans | 0.0613% | 3,494 |
| Net loans and leases to total assets | 84.2389% | 180 |
| Net loans and leases to deposits | 96.6467% | 403 |
| Net loans and leases to core deposits | 109.9666% | 351 |
| Total domestic deposits to total assets | 87.1617% | 2,881 |
| Equity capital to assets | 12.1535% | 827 |
| Core capital (leverage) ratio | 12.1679% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,959,333 | 2,958 |
| Average earning assets | $202,343,000 | 2,976 |
| Average equity | $26,623,000 | 2,600 |
| Average total loans | $170,463,333 | 2,459 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4920% | 1,837 |
| Cost of funding earning assets | 0.4554% | 633 |
| Net interest margin | 3.0366% | 2,377 |
| Noninterest income to average assets | 0.3794% | 2,816 |
| Noninterest expense to average assets | 2.5713% | 1,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4527% | 3,839 |
| Return on assets (ROA) | 0.4527% | 3,805 |
| Pretax return on assets | 0.6066% | 3,614 |
| Return on Equity (ROE) | 3.7223% | 3,945 |
| Retained earnings to average equity (ytd only) | 3.7223% | 3,035 |
| Net charge-offs to loans | -0.0198% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9112% | 1,080 |
| Assets per employee ($millions) | 6.6977% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,222 |
| Loan loss allowance to noncurrent loans | 2,907.8125% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 3,753 |
| Noncurrent loans to loans | 0.0386% | 3,699 |
| Net loans and leases to total assets | 74.1194% | 652 |
| Net loans and leases to deposits | 85.0285% | 804 |
| Net loans and leases to core deposits | 98.1170% | 570 |
| Total domestic deposits to total assets | 87.1701% | 2,865 |
| Equity capital to assets | 12.0033% | 954 |
| Core capital (leverage) ratio | 12.4352% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,253,000 | 2,976 |
| Average earning assets | $201,143,000 | 3,002 |
| Average equity | $26,543,000 | 2,684 |
| Average total loans | $161,943,000 | 2,532 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6853% | 2,156 |
| Cost of funding earning assets | 0.5247% | 812 |
| Net interest margin | 3.1605% | 2,708 |
| Noninterest income to average assets | 0.7018% | 1,767 |
| Noninterest expense to average assets | 2.7503% | 1,481 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6519% | 3,741 |
| Return on assets (ROA) | 0.6565% | 3,786 |
| Pretax return on assets | 0.8937% | 3,524 |
| Return on Equity (ROE) | 5.5191% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.5191% | 2,556 |
| Net charge-offs to loans | -0.0528% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5957% | 1,143 |
| Assets per employee ($millions) | 6.5298% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 3,019 |
| Loan loss allowance to noncurrent loans | 1,157.5000% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,431 |
| Noncurrent loans to loans | 0.1011% | 3,423 |
| Net loans and leases to total assets | 72.5589% | 800 |
| Net loans and leases to deposits | 83.6908% | 925 |
| Net loans and leases to core deposits | 94.4457% | 760 |
| Total domestic deposits to total assets | 86.6987% | 2,624 |
| Equity capital to assets | 12.3239% | 1,120 |
| Core capital (leverage) ratio | 12.5488% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,325,000 | 3,024 |
| Average earning assets | $190,759,000 | 3,024 |
| Average equity | $24,424,200 | 2,886 |
| Average total loans | $144,052,200 | 2,689 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 2,109 |
| Cost of funding earning assets | 0.5405% | 871 |
| Net interest margin | 3.2242% | 2,654 |
| Noninterest income to average assets | 0.7522% | 1,666 |
| Noninterest expense to average assets | 2.8147% | 1,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6822% | 3,815 |
| Return on assets (ROA) | 0.6812% | 3,875 |
| Pretax return on assets | 0.9363% | 3,614 |
| Return on Equity (ROE) | 5.7816% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.7816% | 2,920 |
| Net charge-offs to loans | -0.0693% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0131% | 1,124 |
| Assets per employee ($millions) | 5.7471% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,819 |
| Loan loss allowance to noncurrent loans | 910.8374% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0981% | 3,446 |
| Noncurrent loans to loans | 0.1357% | 3,430 |
| Net loans and leases to total assets | 71.3961% | 937 |
| Net loans and leases to deposits | 83.1504% | 1,019 |
| Net loans and leases to core deposits | 94.6430% | 805 |
| Total domestic deposits to total assets | 85.8638% | 2,798 |
| Equity capital to assets | 12.7035% | 1,087 |
| Core capital (leverage) ratio | 12.4015% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8709% | 1,158 |
| Memoranda: | ||
| Average total assets | $202,785,500 | 3,079 |
| Average earning assets | $188,695,250 | 3,080 |
| Average equity | $23,891,250 | 2,951 |
| Average total loans | $140,514,250 | 2,760 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 2,464 |
| Cost of funding earning assets | 0.5579% | 909 |
| Net interest margin | 3.0937% | 3,052 |
| Noninterest income to average assets | 0.8420% | 1,417 |
| Noninterest expense to average assets | 2.8598% | 1,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6083% | 3,966 |
| Return on assets (ROA) | 0.6067% | 4,024 |
| Pretax return on assets | 0.8599% | 3,747 |
| Return on Equity (ROE) | 5.2914% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.2914% | 3,078 |
| Net charge-offs to loans | -0.0989% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8410% | 1,004 |
| Assets per employee ($millions) | 5.9405% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,622 |
| Loan loss allowance to noncurrent loans | 1,013.1868% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 3,632 |
| Noncurrent loans to loans | 0.1246% | 3,565 |
| Net loans and leases to total assets | 67.4181% | 1,525 |
| Net loans and leases to deposits | 81.9711% | 1,224 |
| Net loans and leases to core deposits | 93.1076% | 949 |
| Total domestic deposits to total assets | 82.2462% | 3,875 |
| Equity capital to assets | 12.0842% | 1,322 |
| Core capital (leverage) ratio | 12.4658% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,415,667 | 3,090 |
| Average earning assets | $187,477,000 | 3,085 |
| Average equity | $23,094,000 | 3,003 |
| Average total loans | $137,497,667 | 2,812 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5750% | 2,718 |
| Cost of funding earning assets | 0.5807% | 958 |
| Net interest margin | 2.9943% | 3,273 |
| Noninterest income to average assets | 0.8156% | 1,545 |
| Noninterest expense to average assets | 2.8792% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4520% | 4,271 |
| Return on assets (ROA) | 0.4488% | 4,313 |
| Pretax return on assets | 0.7008% | 4,015 |
| Return on Equity (ROE) | 4.0332% | 4,281 |
| Retained earnings to average equity (ytd only) | 4.0332% | 3,492 |
| Net charge-offs to loans | -0.0060% | 3,467 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3316% | 802 |
| Assets per employee ($millions) | 6.1672% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.7161% | 1,954 |
| Net loans and leases to deposits | 78.8627% | 1,628 |
| Net loans and leases to core deposits | 89.4830% | 1,260 |
| Total domestic deposits to total assets | 82.0618% | 3,880 |
| Equity capital to assets | 10.1079% | 2,606 |
| Core capital (leverage) ratio | 11.6787% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3783% | 2,846 |
| Memoranda: | ||
| Average total assets | $195,194,000 | 3,122 |
| Average earning assets | $180,477,000 | 3,123 |
| Average equity | $21,719,500 | 3,102 |
| Average total loans | $133,576,000 | 2,856 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 2,796 |
| Cost of funding earning assets | 0.8147% | 1,149 |
| Net interest margin | 3.1634% | 3,458 |
| Noninterest income to average assets | 1.0846% | 906 |
| Noninterest expense to average assets | 3.1859% | 1,080 |
| Loan and lease loss provision to assets | 0.0918% | 3,203 |
| Net operating income to assets | 0.5378% | 3,946 |
| Return on assets (ROA) | 0.5368% | 4,044 |
| Pretax return on assets | 0.6910% | 3,898 |
| Return on Equity (ROE) | 4.1959% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.1959% | 2,715 |
| Net charge-offs to loans | -0.3255% | 4,922 |
| Credit loss provision to net charge-offs | -39.8936% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2498% | 869 |
| Assets per employee ($millions) | 5.1334% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,066 |
| Loan loss allowance to noncurrent loans | 1,144.8649% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 3,766 |
| Noncurrent loans to loans | 0.1476% | 3,695 |
| Net loans and leases to total assets | 70.6009% | 1,483 |
| Net loans and leases to deposits | 88.1494% | 1,075 |
| Net loans and leases to core deposits | 92.0964% | 1,378 |
| Total domestic deposits to total assets | 80.0924% | 4,028 |
| Equity capital to assets | 12.3877% | 1,372 |
| Core capital (leverage) ratio | 12.6006% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0523% | 2,607 |
| Memoranda: | ||
| Average total assets | $163,376,400 | 3,257 |
| Average earning assets | $149,018,200 | 3,276 |
| Average equity | $20,901,200 | 3,103 |
| Average total loans | $115,527,400 | 3,028 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 2,522 |
| Cost of funding earning assets | 0.8510% | 1,255 |
| Net interest margin | 3.2994% | 3,194 |
| Noninterest income to average assets | 0.9738% | 1,073 |
| Noninterest expense to average assets | 3.1726% | 1,117 |
| Loan and lease loss provision to assets | 0.1244% | 2,780 |
| Net operating income to assets | 0.5356% | 3,945 |
| Return on assets (ROA) | 0.5350% | 4,036 |
| Pretax return on assets | 0.6793% | 3,944 |
| Return on Equity (ROE) | 4.1184% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.1184% | 2,987 |
| Net charge-offs to loans | -0.0400% | 4,614 |
| Credit loss provision to net charge-offs | -441.1765% | 3,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7706% | 882 |
| Assets per employee ($millions) | 5.0686% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 1,423 |
| Loan loss allowance to noncurrent loans | 563.4921% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 3,342 |
| Noncurrent loans to loans | 0.2641% | 3,347 |
| Net loans and leases to total assets | 68.1754% | 2,217 |
| Net loans and leases to deposits | 86.4830% | 1,643 |
| Net loans and leases to core deposits | 90.4958% | 1,931 |
| Total domestic deposits to total assets | 78.8310% | 4,079 |
| Equity capital to assets | 12.4272% | 1,453 |
| Core capital (leverage) ratio | 12.6135% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3233% | 2,495 |
| Memoranda: | ||
| Average total assets | $160,748,500 | 3,266 |
| Average earning assets | $146,326,750 | 3,288 |
| Average equity | $20,881,500 | 3,103 |
| Average total loans | $113,192,000 | 3,064 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 2,274 |
| Cost of funding earning assets | 0.8960% | 1,396 |
| Net interest margin | 3.4764% | 2,866 |
| Noninterest income to average assets | 0.8388% | 1,322 |
| Noninterest expense to average assets | 3.2201% | 1,125 |
| Loan and lease loss provision to assets | 0.1912% | 2,117 |
| Net operating income to assets | 0.4714% | 4,083 |
| Return on assets (ROA) | 0.4704% | 4,150 |
| Pretax return on assets | 0.5915% | 4,078 |
| Return on Equity (ROE) | 3.5646% | 4,223 |
| Retained earnings to average equity (ytd only) | 3.5646% | 3,146 |
| Net charge-offs to loans | 0.0738% | 1,511 |
| Credit loss provision to net charge-offs | 365.8537% | 1,477 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,928 |
| Efficiency ratio | 80.4202% | 860 |
| Assets per employee ($millions) | 5.1808% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4300% | 1,481 |
| Loan loss allowance to noncurrent loans | 666.6667% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 3,603 |
| Noncurrent loans to loans | 0.2145% | 3,612 |
| Net loans and leases to total assets | 68.5394% | 2,258 |
| Net loans and leases to deposits | 86.7588% | 1,688 |
| Net loans and leases to core deposits | 90.8019% | 2,003 |
| Total domestic deposits to total assets | 78.9999% | 4,038 |
| Equity capital to assets | 12.3364% | 1,463 |
| Core capital (leverage) ratio | 12.8514% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9746% | 1,833 |
| Memoranda: | ||
| Average total assets | $156,887,333 | 3,284 |
| Average earning assets | $142,850,333 | 3,312 |
| Average equity | $20,703,333 | 3,111 |
| Average total loans | $111,168,333 | 3,087 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1479% | 3,385 |
| Cost of funding earning assets | 0.9561% | 1,626 |
| Net interest margin | 3.1918% | 3,880 |
| Noninterest income to average assets | 0.5392% | 2,342 |
| Noninterest expense to average assets | 3.4141% | 1,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0774% | 4,682 |
| Return on assets (ROA) | 0.0774% | 4,675 |
| Pretax return on assets | 0.0480% | 4,702 |
| Return on Equity (ROE) | 0.5656% | 4,684 |
| Retained earnings to average equity (ytd only) | 0.5656% | 3,855 |
| Net charge-offs to loans | 0.1603% | 814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 0.4186% | 2,467 |
| Efficiency ratio | 98.6122% | 264 |
| Assets per employee ($millions) | 4.5918% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,572 |
| Loan loss allowance to noncurrent loans | 602.3346% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 3,629 |
| Noncurrent loans to loans | 0.2381% | 3,630 |
| Net loans and leases to total assets | 70.2200% | 2,214 |
| Net loans and leases to deposits | 83.9739% | 2,230 |
| Net loans and leases to core deposits | 89.7842% | 2,365 |
| Total domestic deposits to total assets | 83.6212% | 2,914 |
| Equity capital to assets | 13.5583% | 1,201 |
| Core capital (leverage) ratio | 13.6228% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9960% | 1,348 |
| Memoranda: | ||
| Average total assets | $149,848,000 | 3,321 |
| Average earning assets | $137,226,000 | 3,354 |
| Average equity | $20,509,500 | 3,121 |
| Average total loans | $107,313,000 | 3,115 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 3,294 |
| Cost of funding earning assets | 1.0369% | 1,573 |
| Net interest margin | 3.3474% | 3,876 |
| Noninterest income to average assets | 0.4573% | 2,964 |
| Noninterest expense to average assets | 3.2199% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8809% | 3,282 |
| Return on assets (ROA) | 0.8955% | 3,308 |
| Pretax return on assets | 0.3501% | 4,769 |
| Return on Equity (ROE) | 6.8590% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.8590% | 1,449 |
| Net charge-offs to loans | -0.0427% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5622% | 334 |
| Assets per employee ($millions) | 4.6302% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4915% | 1,256 |
| Loan loss allowance to noncurrent loans | 432.3370% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,444 |
| Noncurrent loans to loans | 0.3450% | 3,210 |
| Net loans and leases to total assets | 70.9223% | 2,263 |
| Net loans and leases to deposits | 82.5526% | 2,491 |
| Net loans and leases to core deposits | 88.7015% | 2,543 |
| Total domestic deposits to total assets | 85.9117% | 2,102 |
| Equity capital to assets | 13.8184% | 1,159 |
| Core capital (leverage) ratio | 13.5246% | 1,047 |
| Tier 1 risk-based capital ratio | 16.2514% | 2,313 |
| Total risk-based capital ratio | 17.5020% | 2,258 |
| Memoranda: | ||
| Average total assets | $151,092,200 | 3,286 |
| Average earning assets | $139,838,200 | 3,280 |
| Average equity | $19,725,800 | 3,156 |
| Average total loans | $112,529,600 | 3,045 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 3,463 |
| Cost of funding earning assets | 1.0460% | 1,555 |
| Net interest margin | 3.3190% | 4,060 |
| Noninterest income to average assets | 0.4575% | 2,978 |
| Noninterest expense to average assets | 3.2265% | 1,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0556% | 2,759 |
| Return on assets (ROA) | 1.0556% | 2,841 |
| Pretax return on assets | 0.3074% | 4,901 |
| Return on Equity (ROE) | 8.2023% | 3,229 |
| Retained earnings to average equity (ytd only) | 8.2023% | 1,317 |
| Net charge-offs to loans | -0.0538% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3022% | 290 |
| Assets per employee ($millions) | 4.5105% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 1,443 |
| Loan loss allowance to noncurrent loans | 62.7567% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 605 |
| Noncurrent loans to loans | 2.2846% | 539 |
| Net loans and leases to total assets | 73.3903% | 1,932 |
| Net loans and leases to deposits | 85.2578% | 2,288 |
| Net loans and leases to core deposits | 91.7921% | 2,389 |
| Total domestic deposits to total assets | 86.0804% | 1,960 |
| Equity capital to assets | 13.6596% | 1,290 |
| Core capital (leverage) ratio | 13.0686% | 1,315 |
| Tier 1 risk-based capital ratio | 15.8693% | 2,488 |
| Total risk-based capital ratio | 17.1193% | 2,423 |
| Memoranda: | ||
| Average total assets | $151,824,000 | 3,305 |
| Average earning assets | $140,720,500 | 3,301 |
| Average equity | $19,538,750 | 3,195 |
| Average total loans | $113,993,750 | 3,062 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 3,474 |
| Cost of funding earning assets | 1.0320% | 1,562 |
| Net interest margin | 3.3231% | 4,091 |
| Noninterest income to average assets | 0.3952% | 3,294 |
| Noninterest expense to average assets | 3.2536% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3821% | 1,480 |
| Return on assets (ROA) | 1.3821% | 1,539 |
| Pretax return on assets | 0.2264% | 5,003 |
| Return on Equity (ROE) | 10.9576% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.9576% | 548 |
| Net charge-offs to loans | -0.1495% | 5,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4938% | 242 |
| Assets per employee ($millions) | 4.3599% | 3,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,660 |
| Loan loss allowance to noncurrent loans | 6,265.3846% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,704 |
| Noncurrent loans to loans | 0.0222% | 4,613 |
| Net loans and leases to total assets | 75.8069% | 1,579 |
| Net loans and leases to deposits | 87.5010% | 2,059 |
| Net loans and leases to core deposits | 96.1100% | 2,060 |
| Total domestic deposits to total assets | 86.6354% | 1,755 |
| Equity capital to assets | 13.2375% | 1,475 |
| Core capital (leverage) ratio | 13.2877% | 1,189 |
| Tier 1 risk-based capital ratio | 16.1350% | 2,352 |
| Total risk-based capital ratio | 17.3849% | 2,302 |
| Memoranda: | ||
| Average total assets | $152,816,000 | 3,317 |
| Average earning assets | $141,855,000 | 3,305 |
| Average equity | $19,274,330 | 3,220 |
| Average total loans | $115,048,670 | 3,054 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 3,606 |
| Cost of funding earning assets | 1.0141% | 1,512 |
| Net interest margin | 3.2697% | 4,231 |
| Noninterest income to average assets | 0.4316% | 2,966 |
| Noninterest expense to average assets | 3.2094% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2668% | 4,940 |
| Return on assets (ROA) | 0.2668% | 4,947 |
| Pretax return on assets | 0.2668% | 4,987 |
| Return on Equity (ROE) | 2.1689% | 4,942 |
| Retained earnings to average equity (ytd only) | 2.1689% | 4,022 |
| Net charge-offs to loans | -0.0386% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3251% | 317 |
| Assets per employee ($millions) | 4.4006% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 1,817 |
| Loan loss allowance to noncurrent loans | 3,378.2609% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,697 |
| Noncurrent loans to loans | 0.0404% | 4,584 |
| Net loans and leases to total assets | 73.0011% | 1,980 |
| Net loans and leases to deposits | 83.5081% | 2,438 |
| Net loans and leases to core deposits | 94.8491% | 2,041 |
| Total domestic deposits to total assets | 87.4179% | 1,608 |
| Equity capital to assets | 12.3068% | 1,843 |
| Core capital (leverage) ratio | 12.5346% | 1,488 |
| Tier 1 risk-based capital ratio | 15.6656% | 2,580 |
| Total risk-based capital ratio | 16.9153% | 2,507 |
| Memoranda: | ||
| Average total assets | $152,925,500 | 3,355 |
| Average earning assets | $142,398,000 | 3,339 |
| Average equity | $18,811,500 | 3,277 |
| Average total loans | $113,919,000 | 3,100 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 3,452 |
| Cost of funding earning assets | 0.8304% | 1,389 |
| Net interest margin | 3.3667% | 4,085 |
| Noninterest income to average assets | 0.4109% | 3,376 |
| Noninterest expense to average assets | 3.1038% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4322% | 4,803 |
| Return on assets (ROA) | 0.4415% | 4,779 |
| Pretax return on assets | 0.4435% | 4,881 |
| Return on Equity (ROE) | 3.6181% | 4,792 |
| Retained earnings to average equity (ytd only) | 3.6181% | 3,592 |
| Net charge-offs to loans | -0.0010% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7279% | 448 |
| Assets per employee ($millions) | 4.4656% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,809 |
| Loan loss allowance to noncurrent loans | 3,354.3478% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,579 |
| Noncurrent loans to loans | 0.0404% | 4,573 |
| Net loans and leases to total assets | 73.9669% | 1,943 |
| Net loans and leases to deposits | 86.1908% | 2,246 |
| Net loans and leases to core deposits | 95.0094% | 2,138 |
| Total domestic deposits to total assets | 85.8177% | 2,319 |
| Equity capital to assets | 12.2953% | 1,702 |
| Core capital (leverage) ratio | 12.6191% | 1,403 |
| Tier 1 risk-based capital ratio | 15.7723% | 2,502 |
| Total risk-based capital ratio | 17.0217% | 2,424 |
| Memoranda: | ||
| Average total assets | $150,394,400 | 3,382 |
| Average earning assets | $139,691,600 | 3,361 |
| Average equity | $18,352,200 | 3,262 |
| Average total loans | $105,084,800 | 3,213 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 3,465 |
| Cost of funding earning assets | 0.8032% | 1,321 |
| Net interest margin | 3.3451% | 4,166 |
| Noninterest income to average assets | 0.4230% | 3,336 |
| Noninterest expense to average assets | 3.1218% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4036% | 4,950 |
| Return on assets (ROA) | 0.4159% | 4,929 |
| Pretax return on assets | 0.4186% | 5,019 |
| Return on Equity (ROE) | 3.4147% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.4147% | 4,059 |
| Net charge-offs to loans | -0.0078% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4887% | 383 |
| Assets per employee ($millions) | 4.3428% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,760 |
| Loan loss allowance to noncurrent loans | 573.3333% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 4,063 |
| Noncurrent loans to loans | 0.2415% | 3,833 |
| Net loans and leases to total assets | 72.5356% | 2,246 |
| Net loans and leases to deposits | 82.6923% | 2,743 |
| Net loans and leases to core deposits | 91.4772% | 2,529 |
| Total domestic deposits to total assets | 87.7175% | 1,382 |
| Equity capital to assets | 12.0266% | 1,895 |
| Core capital (leverage) ratio | 12.5166% | 1,492 |
| Tier 1 risk-based capital ratio | 17.5331% | 1,915 |
| Total risk-based capital ratio | 18.7847% | 1,876 |
| Memoranda: | ||
| Average total assets | $150,035,500 | 3,422 |
| Average earning assets | $139,266,500 | 3,403 |
| Average equity | $18,273,250 | 3,286 |
| Average total loans | $102,894,250 | 3,278 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 3,520 |
| Cost of funding earning assets | 0.7695% | 1,283 |
| Net interest margin | 3.3131% | 4,211 |
| Noninterest income to average assets | 0.4164% | 3,378 |
| Noninterest expense to average assets | 3.0486% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4405% | 4,873 |
| Return on assets (ROA) | 0.4378% | 4,886 |
| Pretax return on assets | 0.4378% | 5,004 |
| Return on Equity (ROE) | 3.5794% | 4,912 |
| Retained earnings to average equity (ytd only) | 3.5794% | 3,810 |
| Net charge-offs to loans | 0.0320% | 2,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.5625% | 1,805 |
| Efficiency ratio | 87.3753% | 501 |
| Assets per employee ($millions) | 4.3641% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,455 |
| Loan loss allowance to noncurrent loans | 510.3679% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 3,586 |
| Noncurrent loans to loans | 0.2903% | 3,661 |
| Net loans and leases to total assets | 68.3814% | 2,815 |
| Net loans and leases to deposits | 78.2474% | 3,133 |
| Net loans and leases to core deposits | 84.3784% | 3,049 |
| Total domestic deposits to total assets | 87.3912% | 1,690 |
| Equity capital to assets | 12.3459% | 1,631 |
| Core capital (leverage) ratio | 12.6899% | 1,352 |
| Tier 1 risk-based capital ratio | 18.6266% | 1,645 |
| Total risk-based capital ratio | 19.8788% | 1,606 |
| Memoranda: | ||
| Average total assets | $149,381,670 | 3,444 |
| Average earning assets | $138,540,330 | 3,431 |
| Average equity | $18,271,000 | 3,304 |
| Average total loans | $99,925,670 | 3,340 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 2,893 |
| Cost of funding earning assets | 0.7808% | 1,043 |
| Net interest margin | 3.4167% | 3,831 |
| Noninterest income to average assets | 0.3816% | 3,583 |
| Noninterest expense to average assets | 3.1385% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2562% | 5,165 |
| Return on assets (ROA) | 0.2562% | 5,167 |
| Pretax return on assets | 0.2562% | 5,208 |
| Return on Equity (ROE) | 2.1045% | 5,164 |
| Retained earnings to average equity (ytd only) | 2.1045% | 4,319 |
| Net charge-offs to loans | 0.1016% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.8400% | 2,354 |
| Efficiency ratio | 92.4528% | 352 |
| Assets per employee ($millions) | 4.5354% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,275 |
| Loan loss allowance to noncurrent loans | 626.8595% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 3,425 |
| Noncurrent loans to loans | 0.2478% | 3,877 |
| Net loans and leases to total assets | 64.2257% | 3,279 |
| Net loans and leases to deposits | 73.4050% | 3,474 |
| Net loans and leases to core deposits | 78.9218% | 3,411 |
| Total domestic deposits to total assets | 87.4951% | 1,899 |
| Equity capital to assets | 12.1134% | 1,705 |
| Core capital (leverage) ratio | 12.5804% | 1,357 |
| Tier 1 risk-based capital ratio | 19.6151% | 1,414 |
| Total risk-based capital ratio | 20.8684% | 1,384 |
| Memoranda: | ||
| Average total assets | $149,882,000 | 3,468 |
| Average earning assets | $132,175,000 | 3,561 |
| Average equity | $18,247,000 | 3,332 |
| Average total loans | $98,393,000 | 3,392 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 2,950 |
| Cost of funding earning assets | 0.7303% | 888 |
| Net interest margin | 3.4005% | 3,858 |
| Noninterest income to average assets | 0.4283% | 3,451 |
| Noninterest expense to average assets | 2.9686% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4641% | 4,479 |
| Return on assets (ROA) | 0.4641% | 4,514 |
| Pretax return on assets | 0.4641% | 4,987 |
| Return on Equity (ROE) | 3.7983% | 4,559 |
| Retained earnings to average equity (ytd only) | 3.7983% | 2,947 |
| Net charge-offs to loans | 0.3198% | 792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.3288% | 3,758 |
| Efficiency ratio | 86.4790% | 614 |
| Assets per employee ($millions) | 4.8418% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 1,257 |
| Loan loss allowance to noncurrent loans | 217.4894% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 2,314 |
| Noncurrent loans to loans | 0.7151% | 2,415 |
| Net loans and leases to total assets | 65.0262% | 3,222 |
| Net loans and leases to deposits | 74.3004% | 3,498 |
| Net loans and leases to core deposits | 78.9422% | 3,507 |
| Total domestic deposits to total assets | 87.5179% | 1,752 |
| Equity capital to assets | 12.2349% | 1,684 |
| Core capital (leverage) ratio | 12.4149% | 1,394 |
| Tier 1 risk-based capital ratio | 19.2780% | 1,453 |
| Total risk-based capital ratio | 20.5317% | 1,427 |
| Memoranda: | ||
| Average total assets | $148,013,600 | 3,490 |
| Average earning assets | $130,776,400 | 3,577 |
| Average equity | $18,087,200 | 3,351 |
| Average total loans | $92,232,800 | 3,486 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 3,020 |
| Cost of funding earning assets | 0.7174% | 893 |
| Net interest margin | 3.3730% | 3,936 |
| Noninterest income to average assets | 0.4276% | 3,497 |
| Noninterest expense to average assets | 2.9786% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4240% | 4,946 |
| Return on assets (ROA) | 0.4240% | 4,975 |
| Pretax return on assets | 0.4240% | 5,148 |
| Return on Equity (ROE) | 3.4705% | 4,986 |
| Retained earnings to average equity (ytd only) | 3.4705% | 3,857 |
| Net charge-offs to loans | 0.2151% | 1,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.2124% | 3,368 |
| Efficiency ratio | 87.5399% | 535 |
| Assets per employee ($millions) | 4.5211% | 3,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 895 |
| Loan loss allowance to noncurrent loans | 134.3129% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 1,761 |
| Noncurrent loans to loans | 1.3211% | 1,445 |
| Net loans and leases to total assets | 62.7405% | 3,576 |
| Net loans and leases to deposits | 72.2901% | 3,737 |
| Net loans and leases to core deposits | 77.0460% | 3,723 |
| Total domestic deposits to total assets | 86.7899% | 1,961 |
| Equity capital to assets | 12.3032% | 1,777 |
| Core capital (leverage) ratio | 12.2627% | 1,533 |
| Tier 1 risk-based capital ratio | 19.2758% | 1,527 |
| Total risk-based capital ratio | 20.5316% | 1,479 |
| Memoranda: | ||
| Average total assets | $147,493,250 | 3,529 |
| Average earning assets | $130,087,250 | 3,622 |
| Average equity | $18,018,000 | 3,390 |
| Average total loans | $90,505,250 | 3,553 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 2,916 |
| Cost of funding earning assets | 0.6858% | 957 |
| Net interest margin | 3.3888% | 3,810 |
| Noninterest income to average assets | 0.4125% | 3,609 |
| Noninterest expense to average assets | 2.9729% | 2,185 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4261% | 4,910 |
| Return on assets (ROA) | 0.4261% | 4,937 |
| Pretax return on assets | 0.4261% | 5,129 |
| Return on Equity (ROE) | 3.4962% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.4962% | 3,625 |
| Net charge-offs to loans | 0.3487% | 577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.0194% | 3,219 |
| Efficiency ratio | 87.4650% | 579 |
| Assets per employee ($millions) | 4.5400% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 735 |
| Loan loss allowance to noncurrent loans | 192.8899% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 2,460 |
| Noncurrent loans to loans | 0.9793% | 2,005 |
| Net loans and leases to total assets | 58.3124% | 3,993 |
| Net loans and leases to deposits | 67.0517% | 4,137 |
| Net loans and leases to core deposits | 70.9928% | 4,163 |
| Total domestic deposits to total assets | 86.9663% | 1,971 |
| Equity capital to assets | 12.2081% | 1,781 |
| Core capital (leverage) ratio | 12.4586% | 1,388 |
| Tier 1 risk-based capital ratio | 20.4655% | 1,277 |
| Total risk-based capital ratio | 21.7227% | 1,245 |
| Memoranda: | ||
| Average total assets | $146,925,330 | 3,560 |
| Average earning assets | $129,487,000 | 3,648 |
| Average equity | $17,905,330 | 3,407 |
| Average total loans | $88,907,670 | 3,597 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 2,884 |
| Cost of funding earning assets | 0.6740% | 963 |
| Net interest margin | 3.3700% | 3,764 |
| Noninterest income to average assets | 0.4097% | 3,590 |
| Noninterest expense to average assets | 3.0492% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3712% | 5,020 |
| Return on assets (ROA) | 0.3712% | 5,042 |
| Pretax return on assets | 0.3712% | 5,210 |
| Return on Equity (ROE) | 3.0486% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.0486% | 3,888 |
| Net charge-offs to loans | 0.1891% | 904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.2143% | 2,503 |
| Efficiency ratio | 89.1479% | 600 |
| Assets per employee ($millions) | 4.1322% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0112% | 657 |
| Loan loss allowance to noncurrent loans | 173.0955% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 2,243 |
| Noncurrent loans to loans | 1.1619% | 1,748 |
| Net loans and leases to total assets | 60.4696% | 3,734 |
| Net loans and leases to deposits | 69.7962% | 3,821 |
| Net loans and leases to core deposits | 71.2153% | 4,056 |
| Total domestic deposits to total assets | 86.6374% | 2,376 |
| Equity capital to assets | 12.3316% | 1,644 |
| Core capital (leverage) ratio | 12.4395% | 1,365 |
| Tier 1 risk-based capital ratio | 20.9147% | 1,228 |
| Total risk-based capital ratio | 22.1740% | 1,204 |
| Memoranda: | ||
| Average total assets | $145,478,500 | 3,608 |
| Average earning assets | $129,968,500 | 3,676 |
| Average equity | $17,713,000 | 3,449 |
| Average total loans | $88,839,000 | 3,622 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 2,774 |
| Cost of funding earning assets | 0.6786% | 920 |
| Net interest margin | 3.4402% | 3,663 |
| Noninterest income to average assets | 0.7206% | 2,075 |
| Noninterest expense to average assets | 3.1983% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5738% | 4,331 |
| Return on assets (ROA) | 0.5738% | 4,433 |
| Pretax return on assets | 0.5738% | 4,866 |
| Return on Equity (ROE) | 4.7173% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.7173% | 2,540 |
| Net charge-offs to loans | 1.3077% | 122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 0.7600% | 4,077 |
| Efficiency ratio | 84.7889% | 930 |
| Assets per employee ($millions) | 4.1808% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0774% | 568 |
| Loan loss allowance to noncurrent loans | 120.6965% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2226% | 1,467 |
| Noncurrent loans to loans | 1.7212% | 1,118 |
| Net loans and leases to total assets | 59.1749% | 3,941 |
| Net loans and leases to deposits | 68.0782% | 4,078 |
| Net loans and leases to core deposits | 69.4375% | 4,291 |
| Total domestic deposits to total assets | 86.9219% | 2,192 |
| Equity capital to assets | 12.0215% | 1,784 |
| Core capital (leverage) ratio | 12.4582% | 1,350 |
| Tier 1 risk-based capital ratio | 20.7646% | 1,252 |
| Total risk-based capital ratio | 22.0243% | 1,222 |
| Memoranda: | ||
| Average total assets | $145,704,000 | 3,581 |
| Average earning assets | $129,235,400 | 3,662 |
| Average equity | $17,722,000 | 3,452 |
| Average total loans | $84,114,600 | 3,706 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 2,642 |
| Cost of funding earning assets | 0.6844% | 883 |
| Net interest margin | 3.4755% | 3,555 |
| Noninterest income to average assets | 0.4196% | 3,780 |
| Noninterest expense to average assets | 3.2749% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2244% | 5,427 |
| Return on assets (ROA) | 0.2290% | 5,489 |
| Pretax return on assets | 0.2290% | 5,535 |
| Return on Equity (ROE) | 1.8774% | 5,493 |
| Retained earnings to average equity (ytd only) | 1.8774% | 4,742 |
| Net charge-offs to loans | 1.7084% | 74 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.2303% | 3,811 |
| Efficiency ratio | 93.5864% | 403 |
| Assets per employee ($millions) | 4.2635% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1903% | 530 |
| Loan loss allowance to noncurrent loans | 107.3352% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3066% | 1,467 |
| Noncurrent loans to loans | 2.0406% | 955 |
| Net loans and leases to total assets | 57.6991% | 4,125 |
| Net loans and leases to deposits | 66.7241% | 4,273 |
| Net loans and leases to core deposits | 68.2224% | 4,451 |
| Total domestic deposits to total assets | 86.4741% | 2,141 |
| Equity capital to assets | 12.4953% | 1,782 |
| Core capital (leverage) ratio | 12.0728% | 1,622 |
| Tier 1 risk-based capital ratio | 21.1009% | 1,251 |
| Total risk-based capital ratio | 22.3634% | 1,226 |
| Memoranda: | ||
| Average total assets | $145,547,750 | 3,598 |
| Average earning assets | $128,974,000 | 3,685 |
| Average equity | $17,754,750 | 3,469 |
| Average total loans | $83,036,500 | 3,756 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 2,879 |
| Cost of funding earning assets | 0.6823% | 875 |
| Net interest margin | 3.4132% | 3,840 |
| Noninterest income to average assets | 0.4048% | 3,842 |
| Noninterest expense to average assets | 3.2523% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1798% | 5,560 |
| Return on assets (ROA) | 0.1798% | 5,614 |
| Pretax return on assets | 0.1798% | 5,641 |
| Return on Equity (ROE) | 1.4857% | 5,614 |
| Retained earnings to average equity (ytd only) | 1.4857% | 4,784 |
| Net charge-offs to loans | 1.8951% | 73 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.1682% | 3,545 |
| Efficiency ratio | 94.7621% | 388 |
| Assets per employee ($millions) | 4.2698% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5078% | 359 |
| Loan loss allowance to noncurrent loans | 150.6983% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 1,873 |
| Noncurrent loans to loans | 1.6641% | 1,279 |
| Net loans and leases to total assets | 57.7876% | 4,137 |
| Net loans and leases to deposits | 66.7739% | 4,284 |
| Net loans and leases to core deposits | 68.2698% | 4,453 |
| Total domestic deposits to total assets | 86.5423% | 2,142 |
| Equity capital to assets | 12.4624% | 1,800 |
| Core capital (leverage) ratio | 12.0013% | 1,625 |
| Tier 1 risk-based capital ratio | 20.8411% | 1,289 |
| Total risk-based capital ratio | 22.1076% | 1,272 |
| Memoranda: | ||
| Average total assets | $145,744,000 | 3,620 |
| Average earning assets | $129,261,670 | 3,708 |
| Average equity | $17,635,330 | 3,496 |
| Average total loans | $82,211,000 | 3,791 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 2,703 |
| Cost of funding earning assets | 0.7148% | 751 |
| Net interest margin | 3.4213% | 3,800 |
| Noninterest income to average assets | 0.4574% | 3,431 |
| Noninterest expense to average assets | 3.3747% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0849% | 5,705 |
| Return on assets (ROA) | 0.0849% | 5,748 |
| Pretax return on assets | 0.0849% | 5,754 |
| Return on Equity (ROE) | 0.7124% | 5,740 |
| Retained earnings to average equity (ytd only) | 0.7124% | 4,935 |
| Net charge-offs to loans | 0.6277% | 353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.2460% | 2,950 |
| Efficiency ratio | 97.5455% | 355 |
| Assets per employee ($millions) | 4.2426% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5143% | 132 |
| Loan loss allowance to noncurrent loans | 130.1389% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.7678% | 1,059 |
| Noncurrent loans to loans | 2.7004% | 659 |
| Net loans and leases to total assets | 53.5030% | 4,490 |
| Net loans and leases to deposits | 61.7070% | 4,597 |
| Net loans and leases to core deposits | 62.9621% | 4,756 |
| Total domestic deposits to total assets | 86.7048% | 2,356 |
| Equity capital to assets | 12.2685% | 1,851 |
| Core capital (leverage) ratio | 11.8876% | 1,687 |
| Tier 1 risk-based capital ratio | 21.7053% | 1,203 |
| Total risk-based capital ratio | 22.9827% | 1,181 |
| Memoranda: | ||
| Average total assets | $146,029,500 | 3,634 |
| Average earning assets | $128,139,000 | 3,750 |
| Average equity | $17,407,000 | 3,524 |
| Average total loans | $80,291,500 | 3,847 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 2,574 |
| Cost of funding earning assets | 0.7733% | 566 |
| Net interest margin | 3.4225% | 3,827 |
| Noninterest income to average assets | 1.0137% | 1,146 |
| Noninterest expense to average assets | 3.0936% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9099% | 2,812 |
| Return on assets (ROA) | 0.9099% | 2,894 |
| Pretax return on assets | 0.9099% | 3,796 |
| Return on Equity (ROE) | 8.0965% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.0965% | 887 |
| Net charge-offs to loans | 0.0540% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 33.3000% | 1,348 |
| Efficiency ratio | 77.2735% | 2,079 |
| Assets per employee ($millions) | 4.1059% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6441% | 112 |
| Loan loss allowance to noncurrent loans | 176.3964% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 1.2651% | 1,685 |
| Noncurrent loans to loans | 2.0659% | 1,001 |
| Net loans and leases to total assets | 52.5387% | 4,646 |
| Net loans and leases to deposits | 61.5118% | 4,669 |
| Net loans and leases to core deposits | 62.7468% | 4,818 |
| Total domestic deposits to total assets | 85.4125% | 2,898 |
| Equity capital to assets | 11.5803% | 2,297 |
| Core capital (leverage) ratio | 11.7009% | 1,818 |
| Tier 1 risk-based capital ratio | 22.1170% | 1,130 |
| Total risk-based capital ratio | 23.3976% | 1,100 |
| Memoranda: | ||
| Average total assets | $146,397,000 | 3,624 |
| Average earning assets | $127,890,400 | 3,742 |
| Average equity | $16,451,600 | 3,610 |
| Average total loans | $74,130,200 | 3,993 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 2,508 |
| Cost of funding earning assets | 0.7745% | 581 |
| Net interest margin | 3.4493% | 3,754 |
| Noninterest income to average assets | 0.4875% | 3,466 |
| Noninterest expense to average assets | 3.0803% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4200% | 5,084 |
| Return on assets (ROA) | 0.4200% | 5,173 |
| Pretax return on assets | 0.4200% | 5,424 |
| Return on Equity (ROE) | 3.7661% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.7661% | 3,794 |
| Net charge-offs to loans | 0.0809% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.4537% | 2,594 |
| Efficiency ratio | 88.0021% | 841 |
| Assets per employee ($millions) | 4.0471% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8842% | 100 |
| Loan loss allowance to noncurrent loans | 130.1242% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 1.6123% | 1,377 |
| Noncurrent loans to loans | 2.9850% | 592 |
| Net loans and leases to total assets | 49.8157% | 4,947 |
| Net loans and leases to deposits | 58.1642% | 4,994 |
| Net loans and leases to core deposits | 59.3611% | 5,110 |
| Total domestic deposits to total assets | 85.6467% | 2,714 |
| Equity capital to assets | 11.3655% | 2,628 |
| Core capital (leverage) ratio | 11.2082% | 2,288 |
| Tier 1 risk-based capital ratio | 21.5279% | 1,264 |
| Total risk-based capital ratio | 22.8095% | 1,238 |
| Memoranda: | ||
| Average total assets | $146,043,500 | 3,661 |
| Average earning assets | $127,558,500 | 3,785 |
| Average equity | $16,285,250 | 3,660 |
| Average total loans | $72,514,000 | 4,068 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 2,260 |
| Cost of funding earning assets | 0.7757% | 563 |
| Net interest margin | 3.5001% | 3,496 |
| Noninterest income to average assets | 0.4735% | 3,533 |
| Noninterest expense to average assets | 3.0816% | 2,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4543% | 4,960 |
| Return on assets (ROA) | 0.4543% | 5,061 |
| Pretax return on assets | 0.4543% | 5,343 |
| Return on Equity (ROE) | 4.1003% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.1003% | 3,415 |
| Net charge-offs to loans | 0.0615% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.0909% | 2,000 |
| Efficiency ratio | 87.1517% | 967 |
| Assets per employee ($millions) | 4.1007% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1654% | 94 |
| Loan loss allowance to noncurrent loans | 143.5860% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5328% | 1,596 |
| Noncurrent loans to loans | 2.9010% | 699 |
| Net loans and leases to total assets | 47.3688% | 5,159 |
| Net loans and leases to deposits | 55.1333% | 5,184 |
| Net loans and leases to core deposits | 56.1622% | 5,301 |
| Total domestic deposits to total assets | 85.9167% | 2,732 |
| Equity capital to assets | 11.1151% | 2,759 |
| Core capital (leverage) ratio | 11.3267% | 2,139 |
| Tier 1 risk-based capital ratio | 22.2524% | 1,163 |
| Total risk-based capital ratio | 23.5362% | 1,144 |
| Memoranda: | ||
| Average total assets | $146,159,670 | 3,688 |
| Average earning assets | $127,881,670 | 3,802 |
| Average equity | $16,194,000 | 3,696 |
| Average total loans | $71,514,670 | 4,122 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 2,426 |
| Cost of funding earning assets | 0.7826% | 557 |
| Net interest margin | 3.4251% | 3,736 |
| Noninterest income to average assets | 0.4774% | 3,448 |
| Noninterest expense to average assets | 3.0052% | 2,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4991% | 4,689 |
| Return on assets (ROA) | 0.4991% | 4,810 |
| Pretax return on assets | 0.4991% | 5,182 |
| Return on Equity (ROE) | 4.5113% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.5113% | 3,319 |
| Net charge-offs to loans | 0.3120% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,627 |
| Efficiency ratio | 85.7585% | 1,203 |
| Assets per employee ($millions) | 3.9257% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1342% | 116 |
| Loan loss allowance to noncurrent loans | 304.5881% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 2,810 |
| Noncurrent loans to loans | 1.3573% | 2,118 |
| Net loans and leases to total assets | 46.6321% | 5,151 |
| Net loans and leases to deposits | 54.5200% | 5,158 |
| Net loans and leases to core deposits | 55.5260% | 5,281 |
| Total domestic deposits to total assets | 85.5320% | 3,162 |
| Equity capital to assets | 11.4188% | 2,542 |
| Core capital (leverage) ratio | 10.9866% | 2,424 |
| Tier 1 risk-based capital ratio | 24.2836% | 967 |
| Total risk-based capital ratio | 25.5728% | 941 |
| Memoranda: | ||
| Average total assets | $147,477,000 | 3,689 |
| Average earning assets | $130,330,500 | 3,770 |
| Average equity | $16,314,500 | 3,694 |
| Average total loans | $71,801,500 | 4,139 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 2,224 |
| Cost of funding earning assets | 0.9979% | 232 |
| Net interest margin | 3.4013% | 4,194 |
| Noninterest income to average assets | 0.4390% | 3,907 |
| Noninterest expense to average assets | 2.9955% | 2,853 |
| Loan and lease loss provision to assets | 0.4744% | 337 |
| Net operating income to assets | 0.0170% | 6,066 |
| Return on assets (ROA) | -1.5389% | 6,431 |
| Pretax return on assets | -1.5635% | 6,422 |
| Return on Equity (ROE) | -15.9826% | 6,418 |
| Retained earnings to average equity (ytd only) | -15.9826% | 6,392 |
| Net charge-offs to loans | 1.1937% | 227 |
| Credit loss provision to net charge-offs | 87.2093% | 2,700 |
| Earnings coverage of net charge-offs (x) | 0.9163% | 4,538 |
| Efficiency ratio | 85.7350% | 1,199 |
| Assets per employee ($millions) | 4.0460% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0810% | 126 |
| Loan loss allowance to noncurrent loans | 132.8425% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.9746% | 1,299 |
| Noncurrent loans to loans | 3.0721% | 726 |
| Net loans and leases to total assets | 46.7402% | 5,266 |
| Net loans and leases to deposits | 54.9991% | 5,246 |
| Net loans and leases to core deposits | 55.9875% | 5,386 |
| Total domestic deposits to total assets | 84.9835% | 3,288 |
| Equity capital to assets | 10.7166% | 3,216 |
| Core capital (leverage) ratio | 10.5029% | 2,941 |
| Tier 1 risk-based capital ratio | 21.4930% | 1,312 |
| Total risk-based capital ratio | 22.7775% | 1,280 |
| Memoranda: | ||
| Average total assets | $158,104,200 | 3,517 |
| Average earning assets | $142,003,800 | 3,568 |
| Average equity | $15,222,800 | 3,793 |
| Average total loans | $72,045,600 | 4,123 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4438% | 2,069 |
| Cost of funding earning assets | 1.0387% | 204 |
| Net interest margin | 3.4052% | 4,220 |
| Noninterest income to average assets | 0.4736% | 3,723 |
| Noninterest expense to average assets | 2.9437% | 2,980 |
| Loan and lease loss provision to assets | 0.6242% | 216 |
| Net operating income to assets | -0.0358% | 6,169 |
| Return on assets (ROA) | -2.0340% | 6,530 |
| Pretax return on assets | -2.0665% | 6,523 |
| Return on Equity (ROE) | -21.6983% | 6,518 |
| Retained earnings to average equity (ytd only) | -21.6983% | 6,500 |
| Net charge-offs to loans | 1.3701% | 186 |
| Credit loss provision to net charge-offs | 101.6260% | 2,173 |
| Earnings coverage of net charge-offs (x) | 0.9715% | 4,266 |
| Efficiency ratio | 83.1453% | 1,478 |
| Assets per employee ($millions) | 4.0689% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2638% | 129 |
| Loan loss allowance to noncurrent loans | 133.3477% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1807% | 1,269 |
| Noncurrent loans to loans | 3.1975% | 792 |
| Net loans and leases to total assets | 46.2189% | 5,354 |
| Net loans and leases to deposits | 53.9516% | 5,393 |
| Net loans and leases to core deposits | 55.0956% | 5,497 |
| Total domestic deposits to total assets | 85.6673% | 3,031 |
| Equity capital to assets | 10.0816% | 4,066 |
| Core capital (leverage) ratio | 10.2117% | 3,396 |
| Tier 1 risk-based capital ratio | 21.4946% | 1,349 |
| Total risk-based capital ratio | 22.7814% | 1,314 |
| Memoranda: | ||
| Average total assets | $160,204,750 | 3,515 |
| Average earning assets | $144,286,000 | 3,569 |
| Average equity | $15,017,750 | 3,851 |
| Average total loans | $71,820,000 | 4,161 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 1,822 |
| Cost of funding earning assets | 1.0722% | 172 |
| Net interest margin | 3.4301% | 4,058 |
| Noninterest income to average assets | 0.3806% | 4,396 |
| Noninterest expense to average assets | 2.9359% | 3,045 |
| Loan and lease loss provision to assets | 0.9179% | 124 |
| Net operating income to assets | -0.3880% | 6,407 |
| Return on assets (ROA) | -3.0387% | 6,628 |
| Pretax return on assets | -3.0387% | 6,625 |
| Return on Equity (ROE) | -33.1856% | 6,614 |
| Retained earnings to average equity (ytd only) | -33.1856% | 6,595 |
| Net charge-offs to loans | 1.6468% | 157 |
| Credit loss provision to net charge-offs | 127.3345% | 1,634 |
| Earnings coverage of net charge-offs (x) | 0.7351% | 3,984 |
| Efficiency ratio | 84.7105% | 1,426 |
| Assets per employee ($millions) | 4.2394% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6049% | 107 |
| Loan loss allowance to noncurrent loans | 113.9649% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 2.1529% | 1,428 |
| Noncurrent loans to loans | 4.0407% | 583 |
| Net loans and leases to total assets | 42.8960% | 5,616 |
| Net loans and leases to deposits | 49.6862% | 5,655 |
| Net loans and leases to core deposits | 50.8229% | 5,747 |
| Total domestic deposits to total assets | 86.3340% | 2,852 |
| Equity capital to assets | 9.5699% | 4,664 |
| Core capital (leverage) ratio | 9.9334% | 3,700 |
| Tier 1 risk-based capital ratio | 21.3908% | 1,367 |
| Total risk-based capital ratio | 22.6799% | 1,334 |
| Memoranda: | ||
| Average total assets | $163,422,670 | 3,485 |
| Average earning assets | $146,994,330 | 3,538 |
| Average equity | $14,964,330 | 3,862 |
| Average total loans | $71,532,670 | 4,179 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6315% | 1,418 |
| Cost of funding earning assets | 1.1103% | 155 |
| Net interest margin | 3.5212% | 3,595 |
| Noninterest income to average assets | 0.3911% | 4,267 |
| Noninterest expense to average assets | 2.9057% | 3,187 |
| Loan and lease loss provision to assets | 1.0797% | 100 |
| Net operating income to assets | -0.3983% | 6,433 |
| Return on assets (ROA) | -0.0816% | 6,281 |
| Pretax return on assets | -0.0816% | 6,274 |
| Return on Equity (ROE) | -0.9102% | 6,290 |
| Retained earnings to average equity (ytd only) | -0.9102% | 5,712 |
| Net charge-offs to loans | 1.6493% | 186 |
| Credit loss provision to net charge-offs | 151.5152% | 1,247 |
| Earnings coverage of net charge-offs (x) | 0.9562% | 3,224 |
| Efficiency ratio | 81.0033% | 2,050 |
| Assets per employee ($millions) | 4.0945% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5507% | 125 |
| Loan loss allowance to noncurrent loans | 96.7164% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 2.0668% | 1,633 |
| Noncurrent loans to loans | 4.7052% | 497 |
| Net loans and leases to total assets | 41.4940% | 5,707 |
| Net loans and leases to deposits | 48.6450% | 5,695 |
| Net loans and leases to core deposits | 49.9456% | 5,766 |
| Total domestic deposits to total assets | 85.2996% | 3,723 |
| Equity capital to assets | 9.4390% | 4,580 |
| Core capital (leverage) ratio | 10.8949% | 2,495 |
| Tier 1 risk-based capital ratio | 23.2133% | 1,111 |
| Total risk-based capital ratio | 24.4990% | 1,090 |
| Memoranda: | ||
| Average total assets | $166,706,000 | 3,451 |
| Average earning assets | $151,310,500 | 3,483 |
| Average equity | $14,941,000 | 3,872 |
| Average total loans | $72,032,500 | 4,201 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 2,498 |
| Cost of funding earning assets | 1.2611% | 133 |
| Net interest margin | 3.1620% | 5,120 |
| Noninterest income to average assets | 0.4696% | 3,966 |
| Noninterest expense to average assets | 3.5665% | 1,515 |
| Loan and lease loss provision to assets | 0.8965% | 217 |
| Net operating income to assets | -0.9488% | 6,602 |
| Return on assets (ROA) | -0.9534% | 6,602 |
| Pretax return on assets | -1.0644% | 6,602 |
| Return on Equity (ROE) | -8.8271% | 6,570 |
| Retained earnings to average equity (ytd only) | -8.8271% | 6,514 |
| Net charge-offs to loans | 1.7818% | 232 |
| Credit loss provision to net charge-offs | 116.9265% | 2,055 |
| Earnings coverage of net charge-offs (x) | -0.2123% | 5,150 |
| Efficiency ratio | 104.7826% | 360 |
| Assets per employee ($millions) | 4.1374% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2365% | 172 |
| Loan loss allowance to noncurrent loans | 84.2292% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.2301% | 1,595 |
| Noncurrent loans to loans | 5.0297% | 495 |
| Net loans and leases to total assets | 41.1356% | 5,882 |
| Net loans and leases to deposits | 48.4674% | 5,866 |
| Net loans and leases to core deposits | 50.1560% | 5,926 |
| Total domestic deposits to total assets | 84.8727% | 3,815 |
| Equity capital to assets | 8.5024% | 5,581 |
| Core capital (leverage) ratio | 10.4639% | 2,955 |
| Tier 1 risk-based capital ratio | 22.2427% | 1,220 |
| Total risk-based capital ratio | 23.5237% | 1,185 |
| Memoranda: | ||
| Average total assets | $175,692,200 | 3,327 |
| Average earning assets | $163,030,600 | 3,303 |
| Average equity | $18,975,600 | 3,282 |
| Average total loans | $75,597,600 | 4,073 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,680 |
| Cost of funding earning assets | 1.2887% | 129 |
| Net interest margin | 3.0847% | 5,362 |
| Noninterest income to average assets | 0.4672% | 4,019 |
| Noninterest expense to average assets | 2.7884% | 3,700 |
| Loan and lease loss provision to assets | 0.6869% | 317 |
| Net operating income to assets | 0.0745% | 6,183 |
| Return on assets (ROA) | 0.0745% | 6,238 |
| Pretax return on assets | -0.1482% | 6,438 |
| Return on Equity (ROE) | 0.6563% | 6,238 |
| Retained earnings to average equity (ytd only) | 0.6563% | 5,705 |
| Net charge-offs to loans | 2.1884% | 158 |
| Credit loss provision to net charge-offs | 72.9233% | 3,004 |
| Earnings coverage of net charge-offs (x) | 0.5719% | 4,668 |
| Efficiency ratio | 83.8082% | 1,627 |
| Assets per employee ($millions) | 4.2474% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4443% | 353 |
| Loan loss allowance to noncurrent loans | 58.0244% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 3.0113% | 1,232 |
| Noncurrent loans to loans | 5.9359% | 436 |
| Net loans and leases to total assets | 40.5675% | 5,992 |
| Net loans and leases to deposits | 49.1820% | 5,891 |
| Net loans and leases to core deposits | 50.9054% | 5,961 |
| Total domestic deposits to total assets | 82.4844% | 4,769 |
| Equity capital to assets | 10.7809% | 2,972 |
| Core capital (leverage) ratio | 10.2689% | 3,285 |
| Tier 1 risk-based capital ratio | 20.5811% | 1,582 |
| Total risk-based capital ratio | 21.8514% | 1,556 |
| Memoranda: | ||
| Average total assets | $177,206,750 | 3,336 |
| Average earning assets | $164,289,500 | 3,316 |
| Average equity | $20,113,750 | 3,177 |
| Average total loans | $76,280,250 | 4,079 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 2,755 |
| Cost of funding earning assets | 1.2958% | 143 |
| Net interest margin | 3.0560% | 5,410 |
| Noninterest income to average assets | 0.5038% | 3,806 |
| Noninterest expense to average assets | 2.8110% | 3,634 |
| Loan and lease loss provision to assets | 0.6733% | 353 |
| Net operating income to assets | 0.0808% | 6,176 |
| Return on assets (ROA) | 0.0808% | 6,259 |
| Pretax return on assets | -0.1380% | 6,457 |
| Return on Equity (ROE) | 0.7004% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.7004% | 5,620 |
| Net charge-offs to loans | 1.8572% | 250 |
| Credit loss provision to net charge-offs | 83.5655% | 2,558 |
| Earnings coverage of net charge-offs (x) | 0.6643% | 4,300 |
| Efficiency ratio | 84.0040% | 1,634 |
| Assets per employee ($millions) | 4.1862% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6203% | 337 |
| Loan loss allowance to noncurrent loans | 51.9227% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 3.1088% | 1,290 |
| Noncurrent loans to loans | 6.9724% | 347 |
| Net loans and leases to total assets | 41.5033% | 5,931 |
| Net loans and leases to deposits | 50.2912% | 5,819 |
| Net loans and leases to core deposits | 52.0266% | 5,889 |
| Total domestic deposits to total assets | 82.5261% | 4,875 |
| Equity capital to assets | 10.9594% | 2,791 |
| Core capital (leverage) ratio | 10.4795% | 2,898 |
| Tier 1 risk-based capital ratio | 20.8665% | 1,521 |
| Total risk-based capital ratio | 22.1389% | 1,492 |
| Memoranda: | ||
| Average total assets | $178,228,330 | 3,336 |
| Average earning assets | $165,772,330 | 3,318 |
| Average equity | $20,560,330 | 3,148 |
| Average total loans | $77,318,670 | 4,063 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 2,673 |
| Cost of funding earning assets | 1.3067% | 152 |
| Net interest margin | 3.0489% | 5,440 |
| Noninterest income to average assets | 0.4681% | 4,002 |
| Noninterest expense to average assets | 2.7152% | 3,996 |
| Loan and lease loss provision to assets | 0.6688% | 357 |
| Net operating income to assets | 0.1182% | 6,116 |
| Return on assets (ROA) | 0.1182% | 6,209 |
| Pretax return on assets | -0.0758% | 6,466 |
| Return on Equity (ROE) | 0.9997% | 6,222 |
| Retained earnings to average equity (ytd only) | 0.9997% | 5,449 |
| Net charge-offs to loans | 0.4403% | 1,352 |
| Credit loss provision to net charge-offs | 348.8372% | 705 |
| Earnings coverage of net charge-offs (x) | 3.0930% | 2,842 |
| Efficiency ratio | 82.0755% | 2,027 |
| Assets per employee ($millions) | 4.2611% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9701% | 296 |
| Loan loss allowance to noncurrent loans | 63.4262% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.7341% | 1,660 |
| Noncurrent loans to loans | 6.2594% | 519 |
| Net loans and leases to total assets | 41.5338% | 5,878 |
| Net loans and leases to deposits | 50.7247% | 5,733 |
| Net loans and leases to core deposits | 52.5144% | 5,785 |
| Total domestic deposits to total assets | 81.8808% | 5,236 |
| Equity capital to assets | 11.7213% | 2,239 |
| Core capital (leverage) ratio | 10.9780% | 2,287 |
| Tier 1 risk-based capital ratio | 22.2139% | 1,290 |
| Total risk-based capital ratio | 23.4915% | 1,260 |
| Memoranda: | ||
| Average total assets | $179,431,500 | 3,352 |
| Average earning assets | $167,142,500 | 3,322 |
| Average equity | $21,206,000 | 3,110 |
| Average total loans | $78,121,500 | 4,064 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8035% | 2,178 |
| Cost of funding earning assets | 1.5435% | 139 |
| Net interest margin | 3.2600% | 5,397 |
| Noninterest income to average assets | 0.5359% | 3,675 |
| Noninterest expense to average assets | 2.3998% | 5,407 |
| Loan and lease loss provision to assets | 1.7217% | 155 |
| Net operating income to assets | -0.1988% | 6,378 |
| Return on assets (ROA) | -0.1988% | 6,444 |
| Pretax return on assets | -0.5509% | 6,595 |
| Return on Equity (ROE) | -1.6627% | 6,435 |
| Retained earnings to average equity (ytd only) | -1.6627% | 6,113 |
| Net charge-offs to loans | 2.4557% | 251 |
| Credit loss provision to net charge-offs | 155.0775% | 1,740 |
| Earnings coverage of net charge-offs (x) | 1.0545% | 4,938 |
| Efficiency ratio | 67.2111% | 4,291 |
| Assets per employee ($millions) | 4.3878% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6264% | 386 |
| Loan loss allowance to noncurrent loans | 55.5469% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.9322% | 1,620 |
| Noncurrent loans to loans | 6.5285% | 513 |
| Net loans and leases to total assets | 42.2350% | 5,978 |
| Net loans and leases to deposits | 51.6864% | 5,828 |
| Net loans and leases to core deposits | 53.6078% | 5,904 |
| Total domestic deposits to total assets | 81.7141% | 5,189 |
| Equity capital to assets | 11.9151% | 2,104 |
| Core capital (leverage) ratio | 10.9212% | 2,317 |
| Tier 1 risk-based capital ratio | 19.6747% | 1,764 |
| Total risk-based capital ratio | 20.9444% | 1,729 |
| Memoranda: | ||
| Average total assets | $180,057,600 | 3,316 |
| Average earning assets | $167,606,400 | 3,262 |
| Average equity | $21,530,600 | 3,034 |
| Average total loans | $81,402,400 | 3,995 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8790% | 2,089 |
| Cost of funding earning assets | 1.5818% | 139 |
| Net interest margin | 3.2973% | 5,401 |
| Noninterest income to average assets | 0.5293% | 3,751 |
| Noninterest expense to average assets | 2.3764% | 5,468 |
| Loan and lease loss provision to assets | 2.0729% | 106 |
| Net operating income to assets | -0.3946% | 6,642 |
| Return on assets (ROA) | -0.3946% | 6,689 |
| Pretax return on assets | -0.8536% | 6,816 |
| Return on Equity (ROE) | -3.2970% | 6,636 |
| Retained earnings to average equity (ytd only) | -3.2970% | 6,501 |
| Net charge-offs to loans | 2.8293% | 202 |
| Credit loss provision to net charge-offs | 160.8271% | 1,730 |
| Earnings coverage of net charge-offs (x) | 0.9460% | 4,852 |
| Efficiency ratio | 66.0902% | 4,439 |
| Assets per employee ($millions) | 4.5202% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5120% | 467 |
| Loan loss allowance to noncurrent loans | 48.8384% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 3.4224% | 1,473 |
| Noncurrent loans to loans | 7.1911% | 500 |
| Net loans and leases to total assets | 42.8042% | 6,056 |
| Net loans and leases to deposits | 53.2020% | 5,876 |
| Net loans and leases to core deposits | 55.1523% | 5,950 |
| Total domestic deposits to total assets | 80.4560% | 5,528 |
| Equity capital to assets | 11.9840% | 2,271 |
| Core capital (leverage) ratio | 10.9221% | 2,464 |
| Tier 1 risk-based capital ratio | 19.3403% | 1,912 |
| Total risk-based capital ratio | 20.6090% | 1,878 |
| Memoranda: | ||
| Average total assets | $180,097,500 | 3,347 |
| Average earning assets | $167,488,000 | 3,293 |
| Average equity | $21,554,500 | 3,052 |
| Average total loans | $82,043,250 | 4,023 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 1,855 |
| Cost of funding earning assets | 1.6087% | 147 |
| Net interest margin | 3.3661% | 5,215 |
| Noninterest income to average assets | 0.5171% | 3,807 |
| Noninterest expense to average assets | 2.4119% | 5,413 |
| Loan and lease loss provision to assets | 2.9745% | 63 |
| Net operating income to assets | -0.9619% | 6,898 |
| Return on assets (ROA) | -0.9619% | 6,918 |
| Pretax return on assets | -1.7469% | 7,041 |
| Return on Equity (ROE) | -8.0403% | 6,863 |
| Retained earnings to average equity (ytd only) | -8.0403% | 6,770 |
| Net charge-offs to loans | 3.8546% | 118 |
| Credit loss provision to net charge-offs | 167.9222% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.6930% | 4,711 |
| Efficiency ratio | 66.2695% | 4,489 |
| Assets per employee ($millions) | 4.5320% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4551% | 508 |
| Loan loss allowance to noncurrent loans | 39.5764% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 4.0754% | 1,240 |
| Noncurrent loans to loans | 8.7302% | 366 |
| Net loans and leases to total assets | 43.7757% | 6,038 |
| Net loans and leases to deposits | 54.4119% | 5,826 |
| Net loans and leases to core deposits | 56.3895% | 5,910 |
| Total domestic deposits to total assets | 80.4524% | 5,628 |
| Equity capital to assets | 11.5903% | 2,499 |
| Core capital (leverage) ratio | 10.7848% | 2,499 |
| Tier 1 risk-based capital ratio | 19.9833% | 1,705 |
| Total risk-based capital ratio | 21.2537% | 1,673 |
| Memoranda: | ||
| Average total assets | $179,861,000 | 3,358 |
| Average earning assets | $166,840,330 | 3,316 |
| Average equity | $21,516,670 | 3,041 |
| Average total loans | $82,654,330 | 4,021 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 1,456 |
| Cost of funding earning assets | 1.6471% | 152 |
| Net interest margin | 3.4946% | 4,730 |
| Noninterest income to average assets | 0.5024% | 3,895 |
| Noninterest expense to average assets | 2.4136% | 5,426 |
| Loan and lease loss provision to assets | 1.0047% | 407 |
| Net operating income to assets | 0.3483% | 5,485 |
| Return on assets (ROA) | 0.3483% | 5,659 |
| Pretax return on assets | 0.3148% | 5,944 |
| Return on Equity (ROE) | 2.8664% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.8664% | 4,815 |
| Net charge-offs to loans | 3.8850% | 151 |
| Credit loss provision to net charge-offs | 55.9006% | 3,184 |
| Earnings coverage of net charge-offs (x) | 0.7342% | 3,967 |
| Efficiency ratio | 64.6531% | 4,807 |
| Assets per employee ($millions) | 4.5034% | 2,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 3,311 |
| Loan loss allowance to noncurrent loans | 19.9374% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 4.6498% | 1,140 |
| Noncurrent loans to loans | 8.5747% | 422 |
| Net loans and leases to total assets | 44.7479% | 5,924 |
| Net loans and leases to deposits | 56.1937% | 5,578 |
| Net loans and leases to core deposits | 57.9881% | 5,716 |
| Total domestic deposits to total assets | 79.6315% | 5,937 |
| Equity capital to assets | 12.0653% | 1,997 |
| Core capital (leverage) ratio | 11.5134% | 1,883 |
| Tier 1 risk-based capital ratio | 18.1327% | 2,245 |
| Total risk-based capital ratio | 19.1112% | 2,318 |
| Memoranda: | ||
| Average total assets | $179,151,000 | 3,395 |
| Average earning assets | $165,625,500 | 3,353 |
| Average equity | $21,769,500 | 3,002 |
| Average total loans | $82,883,000 | 4,045 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3559% | 1,547 |
| Cost of funding earning assets | 1.8324% | 193 |
| Net interest margin | 3.5235% | 5,055 |
| Noninterest income to average assets | 0.3149% | 5,289 |
| Noninterest expense to average assets | 2.5196% | 5,403 |
| Loan and lease loss provision to assets | 0.8899% | 1,083 |
| Net operating income to assets | 0.2434% | 5,447 |
| Return on assets (ROA) | 0.2445% | 5,583 |
| Pretax return on assets | 0.1449% | 5,896 |
| Return on Equity (ROE) | 2.0538% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.0538% | 4,751 |
| Net charge-offs to loans | 1.7086% | 892 |
| Credit loss provision to net charge-offs | 106.4384% | 3,190 |
| Earnings coverage of net charge-offs (x) | 1.2363% | 4,854 |
| Efficiency ratio | 70.9106% | 3,791 |
| Assets per employee ($millions) | 4.5684% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 2,011 |
| Loan loss allowance to noncurrent loans | 20.9466% | 6,583 |
| Noncurrent assets plus other real estate owned to assets | 5.4842% | 936 |
| Noncurrent loans to loans | 10.0147% | 317 |
| Net loans and leases to total assets | 46.0245% | 6,009 |
| Net loans and leases to deposits | 58.0700% | 5,690 |
| Net loans and leases to core deposits | 59.8352% | 5,863 |
| Total domestic deposits to total assets | 79.2570% | 5,928 |
| Equity capital to assets | 12.2386% | 1,942 |
| Core capital (leverage) ratio | 11.3415% | 2,009 |
| Tier 1 risk-based capital ratio | 17.6232% | 2,334 |
| Total risk-based capital ratio | 18.8768% | 2,299 |
| Memoranda: | ||
| Average total assets | $174,633,600 | 3,418 |
| Average earning assets | $160,496,000 | 3,392 |
| Average equity | $20,791,200 | 3,036 |
| Average total loans | $85,448,600 | 3,985 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3687% | 1,609 |
| Cost of funding earning assets | 1.8542% | 205 |
| Net interest margin | 3.5145% | 5,124 |
| Noninterest income to average assets | 0.3737% | 4,880 |
| Noninterest expense to average assets | 2.5737% | 5,179 |
| Loan and lease loss provision to assets | 0.8848% | 1,024 |
| Net operating income to assets | 0.2348% | 5,606 |
| Return on assets (ROA) | 0.2348% | 5,744 |
| Pretax return on assets | 0.1412% | 6,023 |
| Return on Equity (ROE) | 1.9865% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.9865% | 5,146 |
| Net charge-offs to loans | 1.9812% | 644 |
| Credit loss provision to net charge-offs | 90.3605% | 3,759 |
| Earnings coverage of net charge-offs (x) | 1.0478% | 4,846 |
| Efficiency ratio | 71.4986% | 3,653 |
| Assets per employee ($millions) | 4.7298% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8164% | 2,879 |
| Loan loss allowance to noncurrent loans | 24.6678% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 4.5306% | 1,325 |
| Noncurrent loans to loans | 7.3634% | 648 |
| Net loans and leases to total assets | 46.3452% | 6,114 |
| Net loans and leases to deposits | 59.8049% | 5,655 |
| Net loans and leases to core deposits | 61.5181% | 5,856 |
| Total domestic deposits to total assets | 77.4940% | 6,300 |
| Equity capital to assets | 12.1046% | 2,169 |
| Core capital (leverage) ratio | 11.5161% | 2,017 |
| Tier 1 risk-based capital ratio | 17.0381% | 2,634 |
| Total risk-based capital ratio | 18.2887% | 2,589 |
| Memoranda: | ||
| Average total assets | $173,750,500 | 3,455 |
| Average earning assets | $159,489,500 | 3,435 |
| Average equity | $20,537,750 | 3,067 |
| Average total loans | $85,871,500 | 4,009 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 1,565 |
| Cost of funding earning assets | 1.8829% | 224 |
| Net interest margin | 3.5159% | 5,084 |
| Noninterest income to average assets | 0.4437% | 4,327 |
| Noninterest expense to average assets | 2.6899% | 4,860 |
| Loan and lease loss provision to assets | 0.9362% | 943 |
| Net operating income to assets | 0.1863% | 5,787 |
| Return on assets (ROA) | 0.1863% | 5,893 |
| Pretax return on assets | 0.0442% | 6,198 |
| Return on Equity (ROE) | 1.5895% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.5895% | 5,192 |
| Net charge-offs to loans | 2.5610% | 454 |
| Credit loss provision to net charge-offs | 72.8261% | 3,988 |
| Earnings coverage of net charge-offs (x) | 0.7627% | 4,730 |
| Efficiency ratio | 73.2868% | 3,502 |
| Assets per employee ($millions) | 4.6815% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 3,715 |
| Loan loss allowance to noncurrent loans | 25.5192% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 4.2687% | 1,488 |
| Noncurrent loans to loans | 6.2442% | 922 |
| Net loans and leases to total assets | 48.6312% | 5,984 |
| Net loans and leases to deposits | 62.8416% | 5,409 |
| Net loans and leases to core deposits | 64.7093% | 5,646 |
| Total domestic deposits to total assets | 77.3869% | 6,400 |
| Equity capital to assets | 11.8051% | 2,241 |
| Core capital (leverage) ratio | 11.5555% | 1,876 |
| Tier 1 risk-based capital ratio | 16.7907% | 2,611 |
| Total risk-based capital ratio | 17.9380% | 2,615 |
| Memoranda: | ||
| Average total assets | $171,756,000 | 3,502 |
| Average earning assets | $157,627,330 | 3,492 |
| Average equity | $20,131,670 | 3,109 |
| Average total loans | $86,215,670 | 4,041 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 1,733 |
| Cost of funding earning assets | 1.9027% | 244 |
| Net interest margin | 3.4432% | 5,252 |
| Noninterest income to average assets | 0.4514% | 4,271 |
| Noninterest expense to average assets | 2.6405% | 5,082 |
| Loan and lease loss provision to assets | 0.4210% | 2,082 |
| Net operating income to assets | 0.4865% | 4,543 |
| Return on assets (ROA) | 0.4865% | 4,625 |
| Pretax return on assets | 0.5473% | 4,873 |
| Return on Equity (ROE) | 4.1655% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.1655% | 3,673 |
| Net charge-offs to loans | 3.0836% | 345 |
| Credit loss provision to net charge-offs | 26.9865% | 4,166 |
| Earnings coverage of net charge-offs (x) | 0.6207% | 4,163 |
| Efficiency ratio | 73.1692% | 3,652 |
| Assets per employee ($millions) | 4.5560% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,837 |
| Loan loss allowance to noncurrent loans | 19.4739% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 4.8323% | 1,318 |
| Noncurrent loans to loans | 7.0034% | 791 |
| Net loans and leases to total assets | 49.1685% | 5,941 |
| Net loans and leases to deposits | 64.5960% | 5,175 |
| Net loans and leases to core deposits | 66.5359% | 5,460 |
| Total domestic deposits to total assets | 76.1170% | 6,653 |
| Equity capital to assets | 11.6054% | 2,191 |
| Core capital (leverage) ratio | 11.7390% | 1,711 |
| Tier 1 risk-based capital ratio | 16.5658% | 2,635 |
| Total risk-based capital ratio | 17.5403% | 2,724 |
| Memoranda: | ||
| Average total assets | $171,027,000 | 3,541 |
| Average earning assets | $156,833,000 | 3,527 |
| Average equity | $19,973,500 | 3,124 |
| Average total loans | $86,523,500 | 4,061 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5865% | 1,951 |
| Cost of funding earning assets | 2.2809% | 228 |
| Net interest margin | 3.3057% | 5,960 |
| Noninterest income to average assets | 0.4960% | 4,200 |
| Noninterest expense to average assets | 2.5166% | 5,726 |
| Loan and lease loss provision to assets | 0.6709% | 2,462 |
| Net operating income to assets | 0.3547% | 4,725 |
| Return on assets (ROA) | 0.3547% | 4,888 |
| Pretax return on assets | 0.3493% | 5,084 |
| Return on Equity (ROE) | 2.9800% | 4,966 |
| Retained earnings to average equity (ytd only) | 2.9800% | 3,765 |
| Net charge-offs to loans | 0.9848% | 2,216 |
| Credit loss provision to net charge-offs | 125.3933% | 3,251 |
| Earnings coverage of net charge-offs (x) | 1.9067% | 4,296 |
| Efficiency ratio | 71.1542% | 3,961 |
| Assets per employee ($millions) | 4.4454% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 2,509 |
| Loan loss allowance to noncurrent loans | 23.3021% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 5.1910% | 1,210 |
| Noncurrent loans to loans | 8.2321% | 616 |
| Net loans and leases to total assets | 50.3661% | 6,134 |
| Net loans and leases to deposits | 65.4361% | 5,462 |
| Net loans and leases to core deposits | 66.6834% | 5,812 |
| Total domestic deposits to total assets | 76.9699% | 6,483 |
| Equity capital to assets | 11.7536% | 2,078 |
| Core capital (leverage) ratio | 11.6966% | 1,725 |
| Tier 1 risk-based capital ratio | 19.6712% | 1,560 |
| Total risk-based capital ratio | 20.9259% | 1,528 |
| Memoranda: | ||
| Average total assets | $166,333,400 | 3,603 |
| Average earning assets | $153,010,600 | 3,589 |
| Average equity | $19,798,600 | 3,177 |
| Average total loans | $90,371,800 | 4,039 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 1,917 |
| Cost of funding earning assets | 2.3342% | 242 |
| Net interest margin | 3.3051% | 6,001 |
| Noninterest income to average assets | 0.4482% | 4,575 |
| Noninterest expense to average assets | 2.5196% | 5,637 |
| Loan and lease loss provision to assets | 0.8176% | 1,850 |
| Net operating income to assets | 0.2318% | 5,417 |
| Return on assets (ROA) | 0.2318% | 5,575 |
| Pretax return on assets | 0.1545% | 5,826 |
| Return on Equity (ROE) | 1.9409% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.9409% | 4,986 |
| Net charge-offs to loans | 1.1481% | 1,776 |
| Credit loss provision to net charge-offs | 129.2621% | 3,136 |
| Earnings coverage of net charge-offs (x) | 1.5369% | 4,573 |
| Efficiency ratio | 72.1595% | 3,661 |
| Assets per employee ($millions) | 4.5461% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 2,580 |
| Loan loss allowance to noncurrent loans | 31.0962% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 4.0546% | 1,719 |
| Noncurrent loans to loans | 6.0070% | 1,036 |
| Net loans and leases to total assets | 52.0956% | 6,089 |
| Net loans and leases to deposits | 67.9677% | 5,423 |
| Net loans and leases to core deposits | 69.7092% | 5,775 |
| Total domestic deposits to total assets | 76.6477% | 6,549 |
| Equity capital to assets | 12.2760% | 1,994 |
| Core capital (leverage) ratio | 11.6453% | 1,850 |
| Tier 1 risk-based capital ratio | 19.0776% | 1,738 |
| Total risk-based capital ratio | 20.3328% | 1,695 |
| Memoranda: | ||
| Average total assets | $165,685,000 | 3,658 |
| Average earning assets | $152,569,750 | 3,649 |
| Average equity | $19,784,500 | 3,217 |
| Average total loans | $91,278,250 | 4,086 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7341% | 1,622 |
| Cost of funding earning assets | 2.3908% | 243 |
| Net interest margin | 3.3432% | 5,859 |
| Noninterest income to average assets | 0.4525% | 4,490 |
| Noninterest expense to average assets | 2.5855% | 5,378 |
| Loan and lease loss provision to assets | 1.2327% | 1,138 |
| Net operating income to assets | -0.0425% | 6,140 |
| Return on assets (ROA) | -0.0425% | 6,230 |
| Pretax return on assets | -0.2863% | 6,415 |
| Return on Equity (ROE) | -0.3590% | 6,224 |
| Retained earnings to average equity (ytd only) | -0.3590% | 5,806 |
| Net charge-offs to loans | 1.6533% | 1,144 |
| Credit loss provision to net charge-offs | 133.6842% | 3,005 |
| Earnings coverage of net charge-offs (x) | 1.0263% | 4,761 |
| Efficiency ratio | 73.2051% | 3,619 |
| Assets per employee ($millions) | 4.4874% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8688% | 2,510 |
| Loan loss allowance to noncurrent loans | 26.7741% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 4.3256% | 1,541 |
| Noncurrent loans to loans | 6.9797% | 812 |
| Net loans and leases to total assets | 53.5761% | 6,038 |
| Net loans and leases to deposits | 70.8797% | 5,150 |
| Net loans and leases to core deposits | 72.7980% | 5,588 |
| Total domestic deposits to total assets | 75.5874% | 6,764 |
| Equity capital to assets | 12.0368% | 2,078 |
| Core capital (leverage) ratio | 11.6536% | 1,836 |
| Tier 1 risk-based capital ratio | 18.6827% | 1,791 |
| Total risk-based capital ratio | 19.9365% | 1,761 |
| Memoranda: | ||
| Average total assets | $164,844,670 | 3,694 |
| Average earning assets | $151,829,000 | 3,675 |
| Average equity | $19,496,330 | 3,241 |
| Average total loans | $91,939,000 | 4,107 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7914% | 1,492 |
| Cost of funding earning assets | 2.4541% | 255 |
| Net interest margin | 3.3373% | 5,828 |
| Noninterest income to average assets | 0.4944% | 4,092 |
| Noninterest expense to average assets | 2.4913% | 5,756 |
| Loan and lease loss provision to assets | 2.2965% | 469 |
| Net operating income to assets | -1.3005% | 7,251 |
| Return on assets (ROA) | -1.3005% | 7,266 |
| Pretax return on assets | -1.2201% | 7,157 |
| Return on Equity (ROE) | -11.0950% | 7,174 |
| Retained earnings to average equity (ytd only) | -11.0950% | 7,021 |
| Net charge-offs to loans | 1.5510% | 1,122 |
| Credit loss provision to net charge-offs | 262.6741% | 1,496 |
| Earnings coverage of net charge-offs (x) | 1.2312% | 4,029 |
| Efficiency ratio | 69.8294% | 4,341 |
| Assets per employee ($millions) | 4.5349% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1912% | 1,775 |
| Loan loss allowance to noncurrent loans | 34.8200% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 4.1959% | 1,622 |
| Noncurrent loans to loans | 6.2928% | 1,014 |
| Net loans and leases to total assets | 55.2862% | 5,849 |
| Net loans and leases to deposits | 73.1586% | 4,875 |
| Net loans and leases to core deposits | 75.1568% | 5,368 |
| Total domestic deposits to total assets | 75.5703% | 6,824 |
| Equity capital to assets | 11.9083% | 2,097 |
| Core capital (leverage) ratio | 11.3376% | 2,010 |
| Tier 1 risk-based capital ratio | 18.1575% | 1,908 |
| Total risk-based capital ratio | 19.4144% | 1,882 |
| Memoranda: | ||
| Average total assets | $164,250,500 | 3,764 |
| Average earning assets | $151,258,000 | 3,735 |
| Average equity | $19,252,000 | 3,297 |
| Average total loans | $92,584,500 | 4,149 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1843% | 1,277 |
| Cost of funding earning assets | 2.6915% | 606 |
| Net interest margin | 3.4927% | 4,990 |
| Noninterest income to average assets | 0.6626% | 3,205 |
| Noninterest expense to average assets | 2.5196% | 6,062 |
| Loan and lease loss provision to assets | 0.5518% | 3,610 |
| Net operating income to assets | 0.6280% | 3,226 |
| Return on assets (ROA) | 0.6280% | 3,286 |
| Pretax return on assets | 0.8233% | 3,177 |
| Return on Equity (ROE) | 5.2755% | 3,542 |
| Retained earnings to average equity (ytd only) | 5.2755% | 1,684 |
| Net charge-offs to loans | 0.8958% | 2,601 |
| Credit loss provision to net charge-offs | 103.9146% | 5,314 |
| Earnings coverage of net charge-offs (x) | 2.5896% | 3,820 |
| Efficiency ratio | 64.6935% | 5,645 |
| Assets per employee ($millions) | 4.5901% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,487 |
| Loan loss allowance to noncurrent loans | 22.2360% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 4.5974% | 1,396 |
| Noncurrent loans to loans | 6.9621% | 808 |
| Net loans and leases to total assets | 55.3427% | 6,041 |
| Net loans and leases to deposits | 75.2015% | 4,854 |
| Net loans and leases to core deposits | 88.7822% | 5,245 |
| Total domestic deposits to total assets | 73.5925% | 7,071 |
| Equity capital to assets | 11.5362% | 2,295 |
| Core capital (leverage) ratio | 11.7854% | 1,764 |
| Tier 1 risk-based capital ratio | 19.1545% | 1,622 |
| Total risk-based capital ratio | 20.4068% | 1,585 |
| Memoranda: | ||
| Average total assets | $158,757,000 | 3,796 |
| Average earning assets | $146,905,400 | 3,766 |
| Average equity | $18,898,600 | 3,357 |
| Average total loans | $94,101,400 | 4,105 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2862% | 1,169 |
| Cost of funding earning assets | 2.7216% | 740 |
| Net interest margin | 3.5645% | 4,616 |
| Noninterest income to average assets | 0.7526% | 2,695 |
| Noninterest expense to average assets | 2.5964% | 5,724 |
| Loan and lease loss provision to assets | 0.5575% | 3,158 |
| Net operating income to assets | 0.6729% | 3,305 |
| Return on assets (ROA) | 0.6729% | 3,364 |
| Pretax return on assets | 0.9037% | 3,216 |
| Return on Equity (ROE) | 5.6068% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.6068% | 2,154 |
| Net charge-offs to loans | 0.1921% | 4,860 |
| Credit loss provision to net charge-offs | 483.0882% | 819 |
| Earnings coverage of net charge-offs (x) | 12.6617% | 1,739 |
| Efficiency ratio | 63.9900% | 5,756 |
| Assets per employee ($millions) | 4.3242% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0485% | 1,691 |
| Loan loss allowance to noncurrent loans | 35.6535% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 3.9457% | 1,635 |
| Noncurrent loans to loans | 5.7455% | 1,062 |
| Net loans and leases to total assets | 57.5618% | 5,959 |
| Net loans and leases to deposits | 79.3534% | 4,499 |
| Net loans and leases to core deposits | 94.2882% | 4,991 |
| Total domestic deposits to total assets | 72.5385% | 7,141 |
| Equity capital to assets | 12.2048% | 2,119 |
| Core capital (leverage) ratio | 12.0812% | 1,767 |
| Tier 1 risk-based capital ratio | 19.2924% | 1,687 |
| Total risk-based capital ratio | 20.5509% | 1,653 |
| Memoranda: | ||
| Average total assets | $157,135,000 | 3,856 |
| Average earning assets | $145,692,250 | 3,801 |
| Average equity | $18,857,500 | 3,390 |
| Average total loans | $94,404,500 | 4,135 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3888% | 1,029 |
| Cost of funding earning assets | 2.7436% | 918 |
| Net interest margin | 3.6452% | 4,194 |
| Noninterest income to average assets | 0.8388% | 2,226 |
| Noninterest expense to average assets | 2.6777% | 5,463 |
| Loan and lease loss provision to assets | 0.5609% | 2,778 |
| Net operating income to assets | 0.7094% | 3,210 |
| Return on assets (ROA) | 0.7094% | 3,313 |
| Pretax return on assets | 0.9809% | 3,081 |
| Return on Equity (ROE) | 5.9460% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.9460% | 2,046 |
| Net charge-offs to loans | 0.2433% | 3,977 |
| Credit loss provision to net charge-offs | 380.8696% | 1,217 |
| Earnings coverage of net charge-offs (x) | 10.4696% | 1,990 |
| Efficiency ratio | 63.4598% | 6,012 |
| Assets per employee ($millions) | 4.1978% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8721% | 1,862 |
| Loan loss allowance to noncurrent loans | 37.7375% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 3.3139% | 1,879 |
| Noncurrent loans to loans | 4.9608% | 1,242 |
| Net loans and leases to total assets | 58.3162% | 5,920 |
| Net loans and leases to deposits | 80.7077% | 4,436 |
| Net loans and leases to core deposits | 94.9842% | 5,008 |
| Total domestic deposits to total assets | 72.2561% | 7,211 |
| Equity capital to assets | 12.0940% | 2,154 |
| Core capital (leverage) ratio | 12.0765% | 1,802 |
| Tier 1 risk-based capital ratio | 19.1404% | 1,752 |
| Total risk-based capital ratio | 20.3967% | 1,703 |
| Memoranda: | ||
| Average total assets | $156,181,670 | 3,895 |
| Average earning assets | $144,846,670 | 3,842 |
| Average equity | $18,634,330 | 3,446 |
| Average total loans | $94,532,000 | 4,156 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4669% | 923 |
| Cost of funding earning assets | 2.7652% | 1,071 |
| Net interest margin | 3.7017% | 3,885 |
| Noninterest income to average assets | 0.8454% | 2,100 |
| Noninterest expense to average assets | 2.7124% | 4,940 |
| Loan and lease loss provision to assets | 0.5593% | 2,241 |
| Net operating income to assets | 0.7024% | 3,546 |
| Return on assets (ROA) | 0.7024% | 3,734 |
| Pretax return on assets | 1.0063% | 3,324 |
| Return on Equity (ROE) | 5.9269% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.9269% | 2,664 |
| Net charge-offs to loans | 0.3429% | 2,714 |
| Credit loss provision to net charge-offs | 267.0732% | 1,778 |
| Earnings coverage of net charge-offs (x) | 7.4756% | 2,342 |
| Efficiency ratio | 63.4030% | 5,793 |
| Assets per employee ($millions) | 4.2604% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 2,394 |
| Loan loss allowance to noncurrent loans | 47.8882% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 2.2603% | 2,537 |
| Noncurrent loans to loans | 3.4070% | 1,878 |
| Net loans and leases to total assets | 58.9771% | 5,811 |
| Net loans and leases to deposits | 84.3607% | 3,919 |
| Net loans and leases to core deposits | 98.7278% | 4,676 |
| Total domestic deposits to total assets | 69.9107% | 7,434 |
| Equity capital to assets | 11.8813% | 2,339 |
| Core capital (leverage) ratio | 11.7792% | 2,012 |
| Tier 1 risk-based capital ratio | 18.7449% | 1,871 |
| Total risk-based capital ratio | 19.9996% | 1,820 |
| Memoranda: | ||
| Average total assets | $156,614,000 | 3,887 |
| Average earning assets | $145,231,000 | 3,848 |
| Average equity | $18,559,500 | 3,477 |
| Average total loans | $95,646,500 | 4,160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5004% | 2,957 |
| Cost of funding earning assets | 3.2628% | 1,015 |
| Net interest margin | 3.2376% | 6,253 |
| Noninterest income to average assets | 0.4952% | 4,645 |
| Noninterest expense to average assets | 2.3915% | 6,425 |
| Loan and lease loss provision to assets | 0.2515% | 4,404 |
| Net operating income to assets | 0.6513% | 4,101 |
| Return on assets (ROA) | 0.6488% | 3,961 |
| Pretax return on assets | 0.8458% | 3,902 |
| Return on Equity (ROE) | 5.6889% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.6889% | 1,670 |
| Net charge-offs to loans | 0.0461% | 6,125 |
| Credit loss provision to net charge-offs | 825.5319% | 532 |
| Earnings coverage of net charge-offs (x) | 36.1277% | 1,017 |
| Efficiency ratio | 68.4855% | 4,636 |
| Assets per employee ($millions) | 4.2052% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 2,912 |
| Loan loss allowance to noncurrent loans | 52.2111% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 1.9731% | 2,492 |
| Noncurrent loans to loans | 2.7804% | 1,958 |
| Net loans and leases to total assets | 61.2993% | 5,726 |
| Net loans and leases to deposits | 87.2442% | 3,903 |
| Net loans and leases to core deposits | 101.7658% | 4,643 |
| Total domestic deposits to total assets | 70.2617% | 7,248 |
| Equity capital to assets | 11.8192% | 2,411 |
| Core capital (leverage) ratio | 11.7774% | 2,086 |
| Tier 1 risk-based capital ratio | 18.0326% | 2,032 |
| Total risk-based capital ratio | 19.2845% | 1,983 |
| Memoranda: | ||
| Average total assets | $154,295,400 | 3,813 |
| Average earning assets | $142,821,200 | 3,788 |
| Average equity | $17,595,800 | 3,625 |
| Average total loans | $101,858,400 | 3,897 |