Home > Wallkill Valley Federal Savings and Loan Association > Performance and Condition Ratios
Wallkill Valley Federal Savings and Loan Association, 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 | 4.6889% | 2,708 |
| Cost of funding earning assets | 1.5714% | 1,770 |
| Net interest margin | 3.1175% | 3,062 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.8756% | 1,321 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.2293% | 4,127 |
| Return on assets (ROA) | 0.2301% | 4,136 |
| Pretax return on assets | 0.2725% | 4,117 |
| Return on Equity (ROE) | 2.5700% | 4,088 |
| Retained earnings to average equity (ytd only) | 2.5728% | 3,417 |
| Net charge-offs to loans | -0.0583% | 4,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 90.5349% | 397 |
| Assets per employee ($millions) | 5.8884% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,276 |
| Loan loss allowance to noncurrent loans | 233.7349% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 1,653 |
| Noncurrent loans to loans | 0.4303% | 1,706 |
| Net loans and leases to total assets | 69.1900% | 1,902 |
| Net loans and leases to deposits | 81.8207% | 1,963 |
| Net loans and leases to core deposits | 92.0425% | 1,900 |
| Total domestic deposits to total assets | 84.5600% | 2,451 |
| Equity capital to assets | 9.3297% | 2,471 |
| Core capital (leverage) ratio | 8.8022% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9929% | 1,871 |
| Memoranda: | ||
| Average total assets | $449,883,200 | 1,860 |
| Average earning assets | $401,604,000 | 1,903 |
| Average equity | $40,229,200 | 1,881 |
| Average total loans | $307,007,800 | 1,765 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 2,604 |
| Cost of funding earning assets | 1.4422% | 1,759 |
| Net interest margin | 3.1897% | 2,941 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.8669% | 1,292 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.2657% | 4,159 |
| Return on assets (ROA) | 0.2670% | 4,157 |
| Pretax return on assets | 0.3189% | 4,148 |
| Return on Equity (ROE) | 3.0200% | 4,098 |
| Retained earnings to average equity (ytd only) | 3.0177% | 3,502 |
| Net charge-offs to loans | -0.0696% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 89.2930% | 397 |
| Assets per employee ($millions) | 5.8101% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,435 |
| Loan loss allowance to noncurrent loans | 267.1861% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 1,922 |
| Noncurrent loans to loans | 0.3691% | 1,912 |
| Net loans and leases to total assets | 68.3800% | 2,006 |
| Net loans and leases to deposits | 80.8470% | 1,983 |
| Net loans and leases to core deposits | 92.5739% | 1,761 |
| Total domestic deposits to total assets | 84.5700% | 2,629 |
| Equity capital to assets | 8.7946% | 2,540 |
| Core capital (leverage) ratio | 8.6047% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6938% | 2,010 |
| Memoranda: | ||
| Average total assets | $451,946,250 | 1,843 |
| Average earning assets | $403,830,750 | 1,896 |
| Average equity | $39,985,750 | 1,869 |
| Average total loans | $306,596,750 | 1,771 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 2,513 |
| Cost of funding earning assets | 1.3048% | 1,697 |
| Net interest margin | 3.2523% | 2,860 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.8623% | 1,301 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.2786% | 4,184 |
| Return on assets (ROA) | 0.2786% | 4,217 |
| Pretax return on assets | 0.3340% | 4,196 |
| Return on Equity (ROE) | 3.1400% | 4,134 |
| Retained earnings to average equity (ytd only) | 3.1427% | 3,439 |
| Net charge-offs to loans | 0.0105% | 1,806 |
| Credit loss provision to net charge-offs | 562.5000% | 599 |
| Earnings coverage of net charge-offs (x) | 52.7500% | 1,261 |
| Efficiency ratio | 87.3665% | 453 |
| Assets per employee ($millions) | 6.0276% | 2,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,473 |
| Loan loss allowance to noncurrent loans | 348.9679% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,155 |
| Noncurrent loans to loans | 0.2836% | 2,130 |
| Net loans and leases to total assets | 67.3500% | 2,026 |
| Net loans and leases to deposits | 78.4048% | 2,100 |
| Net loans and leases to core deposits | 89.5578% | 1,823 |
| Total domestic deposits to total assets | 85.9000% | 2,264 |
| Equity capital to assets | 8.8687% | 2,612 |
| Core capital (leverage) ratio | 8.5217% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7838% | 1,996 |
| Memoranda: | ||
| Average total assets | $451,532,333 | 1,847 |
| Average earning assets | $403,597,333 | 1,899 |
| Average equity | $40,029,000 | 1,879 |
| Average total loans | $304,477,667 | 1,760 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,489 |
| Cost of funding earning assets | 1.1164% | 1,711 |
| Net interest margin | 3.3054% | 2,863 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.8931% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3102% | 4,236 |
| Return on assets (ROA) | 0.3102% | 4,200 |
| Pretax return on assets | 0.3785% | 4,157 |
| Return on Equity (ROE) | 3.5000% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.5003% | 3,391 |
| Net charge-offs to loans | 0.0528% | 836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 10.6750% | 1,653 |
| Efficiency ratio | 87.3747% | 446 |
| Assets per employee ($millions) | 6.0288% | 2,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 3,706 |
| Loan loss allowance to noncurrent loans | 380.7087% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,081 |
| Noncurrent loans to loans | 0.2503% | 2,249 |
| Net loans and leases to total assets | 65.8000% | 2,079 |
| Net loans and leases to deposits | 78.2008% | 1,948 |
| Net loans and leases to core deposits | 87.7058% | 1,763 |
| Total domestic deposits to total assets | 84.1500% | 3,062 |
| Equity capital to assets | 8.7691% | 2,683 |
| Core capital (leverage) ratio | 8.5701% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6047% | 2,137 |
| Memoranda: | ||
| Average total assets | $451,276,000 | 1,877 |
| Average earning assets | $403,096,500 | 1,928 |
| Average equity | $39,997,000 | 1,900 |
| Average total loans | $302,957,500 | 1,779 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 1,755 |
| Cost of funding earning assets | 0.4074% | 2,034 |
| Net interest margin | 3.5778% | 1,709 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 2.9499% | 1,046 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.3907% | 4,252 |
| Return on assets (ROA) | 0.3907% | 4,217 |
| Pretax return on assets | 0.4792% | 4,197 |
| Return on Equity (ROE) | 4.0800% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.0820% | 3,366 |
| Net charge-offs to loans | 0.1486% | 555 |
| Credit loss provision to net charge-offs | 81.7308% | 1,673 |
| Earnings coverage of net charge-offs (x) | 5.6587% | 2,367 |
| Efficiency ratio | 83.1221% | 534 |
| Assets per employee ($millions) | 5.8469% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,420 |
| Loan loss allowance to noncurrent loans | 354.1913% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.1906% | 2,224 |
| Noncurrent loans to loans | 0.2809% | 2,146 |
| Net loans and leases to total assets | 67.1800% | 1,912 |
| Net loans and leases to deposits | 79.2123% | 1,827 |
| Net loans and leases to core deposits | 84.6327% | 1,837 |
| Total domestic deposits to total assets | 84.8100% | 3,039 |
| Equity capital to assets | 8.9600% | 2,380 |
| Core capital (leverage) ratio | 8.6296% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6985% | 2,092 |
| Memoranda: | ||
| Average total assets | $420,320,800 | 1,954 |
| Average earning assets | $375,813,400 | 2,001 |
| Average equity | $40,225,400 | 1,911 |
| Average total loans | $279,895,000 | 1,818 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 1,533 |
| Cost of funding earning assets | 0.3280% | 1,878 |
| Net interest margin | 3.5510% | 1,519 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.9787% | 934 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.3579% | 4,311 |
| Return on assets (ROA) | 0.3579% | 4,259 |
| Pretax return on assets | 0.4409% | 4,221 |
| Return on Equity (ROE) | 3.6800% | 4,205 |
| Retained earnings to average equity (ytd only) | 3.6764% | 3,561 |
| Net charge-offs to loans | 0.2171% | 313 |
| Credit loss provision to net charge-offs | 54.8098% | 1,512 |
| Earnings coverage of net charge-offs (x) | 3.6130% | 2,202 |
| Efficiency ratio | 84.2609% | 533 |
| Assets per employee ($millions) | 5.7516% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 3,537 |
| Loan loss allowance to noncurrent loans | 352.6380% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 2,358 |
| Noncurrent loans to loans | 0.2805% | 2,250 |
| Net loans and leases to total assets | 65.8100% | 1,909 |
| Net loans and leases to deposits | 74.5766% | 1,994 |
| Net loans and leases to core deposits | 79.1101% | 1,963 |
| Total domestic deposits to total assets | 88.2400% | 2,346 |
| Equity capital to assets | 8.9491% | 2,246 |
| Core capital (leverage) ratio | 8.3235% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2578% | 2,373 |
| Memoranda: | ||
| Average total assets | $414,309,500 | 1,984 |
| Average earning assets | $370,744,500 | 2,037 |
| Average equity | $40,328,000 | 1,935 |
| Average total loans | $274,490,250 | 1,834 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 1,470 |
| Cost of funding earning assets | 0.3256% | 1,476 |
| Net interest margin | 3.4054% | 1,586 |
| Noninterest income to average assets | 0.3078% | 3,319 |
| Noninterest expense to average assets | 3.0248% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2714% | 4,337 |
| Return on assets (ROA) | 0.2714% | 4,288 |
| Pretax return on assets | 0.3334% | 4,251 |
| Return on Equity (ROE) | 2.7104% | 4,261 |
| Retained earnings to average equity (ytd only) | 2.7104% | 3,545 |
| Net charge-offs to loans | 0.3775% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1.3346% | 2,073 |
| Efficiency ratio | 89.2371% | 442 |
| Assets per employee ($millions) | 6.2378% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 3,909 |
| Loan loss allowance to noncurrent loans | 359.1608% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 2,609 |
| Noncurrent loans to loans | 0.2550% | 2,457 |
| Net loans and leases to total assets | 61.0179% | 2,218 |
| Net loans and leases to deposits | 68.2447% | 2,369 |
| Net loans and leases to core deposits | 71.8854% | 2,347 |
| Total domestic deposits to total assets | 89.4105% | 1,995 |
| Equity capital to assets | 8.7228% | 2,598 |
| Core capital (leverage) ratio | 9.3817% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5722% | 2,264 |
| Memoranda: | ||
| Average total assets | $406,706,333 | 2,026 |
| Average earning assets | $364,302,000 | 2,085 |
| Average equity | $40,731,333 | 1,967 |
| Average total loans | $269,140,667 | 1,856 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 781 |
| Cost of funding earning assets | 0.3470% | 1,234 |
| Net interest margin | 3.6481% | 823 |
| Noninterest income to average assets | 0.3536% | 2,975 |
| Noninterest expense to average assets | 3.1173% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4132% | 3,924 |
| Return on assets (ROA) | 0.4132% | 3,890 |
| Pretax return on assets | 0.5021% | 3,867 |
| Return on Equity (ROE) | 3.8315% | 3,923 |
| Retained earnings to average equity (ytd only) | 3.8315% | 2,998 |
| Net charge-offs to loans | -0.0531% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3179% | 775 |
| Assets per employee ($millions) | 5.5318% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 3,038 |
| Loan loss allowance to noncurrent loans | 604.0777% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 2,848 |
| Noncurrent loans to loans | 0.1926% | 2,855 |
| Net loans and leases to total assets | 69.2480% | 1,090 |
| Net loans and leases to deposits | 79.7708% | 1,162 |
| Net loans and leases to core deposits | 84.3185% | 1,226 |
| Total domestic deposits to total assets | 86.8087% | 2,998 |
| Equity capital to assets | 10.6458% | 1,523 |
| Core capital (leverage) ratio | 10.1054% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0256% | 1,508 |
| Memoranda: | ||
| Average total assets | $382,380,500 | 2,126 |
| Average earning assets | $342,314,500 | 2,177 |
| Average equity | $41,237,000 | 2,011 |
| Average total loans | $263,502,000 | 1,867 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 1,179 |
| Cost of funding earning assets | 0.4229% | 1,372 |
| Net interest margin | 3.6671% | 1,297 |
| Noninterest income to average assets | 0.4949% | 2,594 |
| Noninterest expense to average assets | 3.2996% | 631 |
| Loan and lease loss provision to assets | 0.0199% | 2,670 |
| Net operating income to assets | 0.4880% | 4,119 |
| Return on assets (ROA) | 0.4880% | 4,161 |
| Pretax return on assets | 0.4682% | 4,296 |
| Return on Equity (ROE) | 4.4820% | 4,107 |
| Retained earnings to average equity (ytd only) | 4.4820% | 3,013 |
| Net charge-offs to loans | -0.0368% | 4,191 |
| Credit loss provision to net charge-offs | -77.3196% | 3,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3245% | 455 |
| Assets per employee ($millions) | 5.4724% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 2,951 |
| Loan loss allowance to noncurrent loans | 590.4031% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,991 |
| Noncurrent loans to loans | 0.2007% | 2,947 |
| Net loans and leases to total assets | 66.9600% | 1,376 |
| Net loans and leases to deposits | 78.1169% | 1,388 |
| Net loans and leases to core deposits | 83.6616% | 1,350 |
| Total domestic deposits to total assets | 85.7177% | 3,011 |
| Equity capital to assets | 10.9223% | 1,834 |
| Core capital (leverage) ratio | 9.8884% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4020% | 1,412 |
| Memoranda: | ||
| Average total assets | $377,627,200 | 2,073 |
| Average earning assets | $339,067,600 | 2,136 |
| Average equity | $41,119,600 | 2,048 |
| Average total loans | $263,686,600 | 1,862 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 1,164 |
| Cost of funding earning assets | 0.4375% | 1,439 |
| Net interest margin | 3.7234% | 1,287 |
| Noninterest income to average assets | 0.4858% | 2,685 |
| Noninterest expense to average assets | 3.2469% | 656 |
| Loan and lease loss provision to assets | 0.0266% | 2,468 |
| Net operating income to assets | 0.5861% | 4,026 |
| Return on assets (ROA) | 0.5861% | 4,075 |
| Pretax return on assets | 0.5535% | 4,296 |
| Return on Equity (ROE) | 5.3867% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.3867% | 3,070 |
| Net charge-offs to loans | -0.0489% | 4,346 |
| Credit loss provision to net charge-offs | -77.3196% | 3,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0556% | 513 |
| Assets per employee ($millions) | 5.3380% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,181 |
| Loan loss allowance to noncurrent loans | 585.9048% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 3,204 |
| Noncurrent loans to loans | 0.1975% | 3,160 |
| Net loans and leases to total assets | 68.3786% | 1,273 |
| Net loans and leases to deposits | 80.2418% | 1,267 |
| Net loans and leases to core deposits | 86.0371% | 1,294 |
| Total domestic deposits to total assets | 85.2158% | 3,042 |
| Equity capital to assets | 10.8580% | 2,117 |
| Core capital (leverage) ratio | 9.6357% | 2,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1016% | 1,590 |
| Memoranda: | ||
| Average total assets | $376,266,750 | 2,105 |
| Average earning assets | $337,643,000 | 2,165 |
| Average equity | $40,939,500 | 2,079 |
| Average total loans | $264,713,500 | 1,886 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 1,659 |
| Cost of funding earning assets | 0.4473% | 1,542 |
| Net interest margin | 3.5106% | 1,830 |
| Noninterest income to average assets | 0.5761% | 2,314 |
| Noninterest expense to average assets | 3.0805% | 865 |
| Loan and lease loss provision to assets | 0.0402% | 2,201 |
| Net operating income to assets | 0.4840% | 4,250 |
| Return on assets (ROA) | 0.4840% | 4,289 |
| Pretax return on assets | 0.6028% | 4,233 |
| Return on Equity (ROE) | 4.4449% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.4449% | 3,380 |
| Net charge-offs to loans | -0.0681% | 4,494 |
| Credit loss provision to net charge-offs | -83.3333% | 3,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9123% | 676 |
| Assets per employee ($millions) | 5.4376% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,080 |
| Loan loss allowance to noncurrent loans | 294.4338% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 2,601 |
| Noncurrent loans to loans | 0.3988% | 2,479 |
| Net loans and leases to total assets | 65.9610% | 1,701 |
| Net loans and leases to deposits | 77.0862% | 1,721 |
| Net loans and leases to core deposits | 83.1158% | 1,632 |
| Total domestic deposits to total assets | 85.5679% | 2,882 |
| Equity capital to assets | 10.5157% | 2,382 |
| Core capital (leverage) ratio | 9.6895% | 2,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5936% | 1,768 |
| Memoranda: | ||
| Average total assets | $373,577,333 | 2,100 |
| Average earning assets | $334,925,333 | 2,166 |
| Average equity | $40,675,667 | 2,073 |
| Average total loans | $264,325,000 | 1,902 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 1,319 |
| Cost of funding earning assets | 0.4490% | 1,730 |
| Net interest margin | 3.6842% | 1,369 |
| Noninterest income to average assets | 0.6484% | 2,033 |
| Noninterest expense to average assets | 3.1508% | 776 |
| Loan and lease loss provision to assets | 0.0823% | 1,575 |
| Net operating income to assets | 0.5573% | 4,053 |
| Return on assets (ROA) | 0.5573% | 4,097 |
| Pretax return on assets | 0.7098% | 3,996 |
| Return on Equity (ROE) | 5.0262% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.0262% | 3,213 |
| Net charge-offs to loans | -0.0301% | 4,172 |
| Credit loss provision to net charge-offs | -375.0000% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1319% | 883 |
| Assets per employee ($millions) | 5.4134% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,277 |
| Loan loss allowance to noncurrent loans | 203.6685% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 2,227 |
| Noncurrent loans to loans | 0.5568% | 2,187 |
| Net loans and leases to total assets | 69.9784% | 1,293 |
| Net loans and leases to deposits | 82.8724% | 1,261 |
| Net loans and leases to core deposits | 90.3344% | 1,208 |
| Total domestic deposits to total assets | 84.4412% | 3,303 |
| Equity capital to assets | 10.8855% | 1,946 |
| Core capital (leverage) ratio | 10.2403% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3349% | 1,465 |
| Memoranda: | ||
| Average total assets | $364,611,000 | 2,125 |
| Average earning assets | $326,041,000 | 2,196 |
| Average equity | $40,428,500 | 2,071 |
| Average total loans | $265,831,500 | 1,894 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 1,358 |
| Cost of funding earning assets | 0.6525% | 1,975 |
| Net interest margin | 3.8302% | 1,418 |
| Noninterest income to average assets | 0.6231% | 2,127 |
| Noninterest expense to average assets | 3.2380% | 992 |
| Loan and lease loss provision to assets | 0.2537% | 1,527 |
| Net operating income to assets | 0.4606% | 4,115 |
| Return on assets (ROA) | 0.5037% | 4,106 |
| Pretax return on assets | 0.6078% | 4,064 |
| Return on Equity (ROE) | 4.4357% | 4,047 |
| Retained earnings to average equity (ytd only) | 4.4357% | 2,575 |
| Net charge-offs to loans | 0.1101% | 1,369 |
| Credit loss provision to net charge-offs | 293.6242% | 1,764 |
| Earnings coverage of net charge-offs (x) | 9.3691% | 2,531 |
| Efficiency ratio | 79.1891% | 942 |
| Assets per employee ($millions) | 4.9402% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,525 |
| Loan loss allowance to noncurrent loans | 176.2136% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 2,170 |
| Noncurrent loans to loans | 0.6166% | 2,151 |
| Net loans and leases to total assets | 74.3256% | 981 |
| Net loans and leases to deposits | 89.6590% | 949 |
| Net loans and leases to core deposits | 96.9514% | 1,065 |
| Total domestic deposits to total assets | 82.8981% | 3,440 |
| Equity capital to assets | 11.3009% | 2,018 |
| Core capital (leverage) ratio | 10.2483% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3735% | 1,427 |
| Memoranda: | ||
| Average total assets | $344,871,800 | 2,077 |
| Average earning assets | $308,335,400 | 2,129 |
| Average equity | $39,159,400 | 2,045 |
| Average total loans | $270,776,200 | 1,824 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 1,561 |
| Cost of funding earning assets | 0.7067% | 1,988 |
| Net interest margin | 3.7970% | 1,626 |
| Noninterest income to average assets | 0.6028% | 2,166 |
| Noninterest expense to average assets | 3.1984% | 1,076 |
| Loan and lease loss provision to assets | 0.3215% | 1,227 |
| Net operating income to assets | 0.3974% | 4,268 |
| Return on assets (ROA) | 0.4520% | 4,229 |
| Pretax return on assets | 0.5467% | 4,196 |
| Return on Equity (ROE) | 3.9759% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.9759% | 3,061 |
| Net charge-offs to loans | 0.1492% | 981 |
| Credit loss provision to net charge-offs | 271.3816% | 1,851 |
| Earnings coverage of net charge-offs (x) | 6.7730% | 2,629 |
| Efficiency ratio | 79.1273% | 930 |
| Assets per employee ($millions) | 4.8817% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,424 |
| Loan loss allowance to noncurrent loans | 198.0529% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 2,532 |
| Noncurrent loans to loans | 0.5338% | 2,464 |
| Net loans and leases to total assets | 75.8350% | 1,119 |
| Net loans and leases to deposits | 91.6719% | 1,102 |
| Net loans and leases to core deposits | 99.2538% | 1,217 |
| Total domestic deposits to total assets | 82.7243% | 3,212 |
| Equity capital to assets | 11.2745% | 2,170 |
| Core capital (leverage) ratio | 9.9745% | 2,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9532% | 1,516 |
| Memoranda: | ||
| Average total assets | $342,165,500 | 2,066 |
| Average earning assets | $306,195,500 | 2,124 |
| Average equity | $38,900,000 | 2,050 |
| Average total loans | $271,650,750 | 1,808 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 1,815 |
| Cost of funding earning assets | 0.7545% | 2,089 |
| Net interest margin | 3.7818% | 1,880 |
| Noninterest income to average assets | 0.5586% | 2,311 |
| Noninterest expense to average assets | 3.2378% | 1,094 |
| Loan and lease loss provision to assets | 0.3539% | 1,191 |
| Net operating income to assets | 0.2954% | 4,433 |
| Return on assets (ROA) | 0.3781% | 4,336 |
| Pretax return on assets | 0.4577% | 4,321 |
| Return on Equity (ROE) | 3.3163% | 4,282 |
| Retained earnings to average equity (ytd only) | 3.3163% | 3,263 |
| Net charge-offs to loans | 0.1902% | 804 |
| Credit loss provision to net charge-offs | 231.6602% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.6602% | 2,578 |
| Efficiency ratio | 81.1231% | 810 |
| Assets per employee ($millions) | 5.0017% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,719 |
| Loan loss allowance to noncurrent loans | 224.2017% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 2,966 |
| Noncurrent loans to loans | 0.4318% | 2,872 |
| Net loans and leases to total assets | 76.8551% | 1,013 |
| Net loans and leases to deposits | 92.6591% | 1,078 |
| Net loans and leases to core deposits | 100.7538% | 1,205 |
| Total domestic deposits to total assets | 82.9440% | 3,104 |
| Equity capital to assets | 10.9886% | 2,350 |
| Core capital (leverage) ratio | 9.7035% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0283% | 1,807 |
| Memoranda: | ||
| Average total assets | $339,059,667 | 2,053 |
| Average earning assets | $304,037,667 | 2,110 |
| Average equity | $38,657,333 | 2,056 |
| Average total loans | $272,402,667 | 1,780 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7347% | 1,605 |
| Cost of funding earning assets | 0.7610% | 2,601 |
| Net interest margin | 3.9737% | 1,460 |
| Noninterest income to average assets | 0.5728% | 2,161 |
| Noninterest expense to average assets | 3.3266% | 1,176 |
| Loan and lease loss provision to assets | 0.5438% | 529 |
| Net operating income to assets | 0.2144% | 4,506 |
| Return on assets (ROA) | 0.3818% | 4,211 |
| Pretax return on assets | 0.4652% | 4,183 |
| Return on Equity (ROE) | 3.2853% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.2853% | 2,963 |
| Net charge-offs to loans | 0.3870% | 372 |
| Credit loss provision to net charge-offs | 171.7557% | 1,502 |
| Earnings coverage of net charge-offs (x) | 2.5420% | 2,276 |
| Efficiency ratio | 79.7017% | 1,170 |
| Assets per employee ($millions) | 4.7753% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,006 |
| Loan loss allowance to noncurrent loans | 213.8605% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 3,027 |
| Noncurrent loans to loans | 0.4347% | 2,947 |
| Net loans and leases to total assets | 80.1755% | 681 |
| Net loans and leases to deposits | 100.6142% | 513 |
| Net loans and leases to core deposits | 110.2082% | 844 |
| Total domestic deposits to total assets | 79.6861% | 3,917 |
| Equity capital to assets | 11.5299% | 2,415 |
| Core capital (leverage) ratio | 9.8823% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4436% | 1,774 |
| Memoranda: | ||
| Average total assets | $331,027,500 | 2,035 |
| Average earning assets | $296,450,500 | 2,099 |
| Average equity | $38,474,500 | 2,043 |
| Average total loans | $270,804,500 | 1,754 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9661% | 1,565 |
| Cost of funding earning assets | 0.8064% | 2,653 |
| Net interest margin | 4.1597% | 1,397 |
| Noninterest income to average assets | 0.5285% | 2,590 |
| Noninterest expense to average assets | 3.1439% | 1,660 |
| Loan and lease loss provision to assets | 0.1650% | 1,264 |
| Net operating income to assets | 0.7772% | 3,621 |
| Return on assets (ROA) | 0.7772% | 3,701 |
| Pretax return on assets | 0.9551% | 3,587 |
| Return on Equity (ROE) | 6.8283% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.8283% | 1,466 |
| Net charge-offs to loans | 0.0643% | 2,177 |
| Credit loss provision to net charge-offs | 310.9827% | 894 |
| Earnings coverage of net charge-offs (x) | 21.1098% | 1,901 |
| Efficiency ratio | 72.9176% | 1,748 |
| Assets per employee ($millions) | 4.6827% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 4,130 |
| Loan loss allowance to noncurrent loans | 157.4814% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 2,596 |
| Noncurrent loans to loans | 0.5448% | 2,536 |
| Net loans and leases to total assets | 81.9943% | 561 |
| Net loans and leases to deposits | 101.5138% | 499 |
| Net loans and leases to core deposits | 110.8112% | 811 |
| Total domestic deposits to total assets | 80.7716% | 3,815 |
| Equity capital to assets | 11.7174% | 2,342 |
| Core capital (leverage) ratio | 9.9795% | 3,541 |
| Tier 1 risk-based capital ratio | 14.5409% | 2,996 |
| Total risk-based capital ratio | 15.5996% | 2,998 |
| Memoranda: | ||
| Average total assets | $326,030,200 | 2,004 |
| Average earning assets | $292,785,000 | 2,074 |
| Average equity | $37,110,000 | 2,052 |
| Average total loans | $269,082,800 | 1,737 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9532% | 1,670 |
| Cost of funding earning assets | 0.7960% | 2,741 |
| Net interest margin | 4.1572% | 1,477 |
| Noninterest income to average assets | 0.5061% | 2,688 |
| Noninterest expense to average assets | 3.0643% | 1,793 |
| Loan and lease loss provision to assets | 0.1548% | 1,214 |
| Net operating income to assets | 0.8419% | 3,539 |
| Return on assets (ROA) | 0.8419% | 3,625 |
| Pretax return on assets | 1.0233% | 3,513 |
| Return on Equity (ROE) | 7.4520% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.4520% | 1,649 |
| Net charge-offs to loans | 0.0635% | 1,915 |
| Credit loss provision to net charge-offs | 295.3125% | 960 |
| Earnings coverage of net charge-offs (x) | 22.4769% | 1,867 |
| Efficiency ratio | 71.4093% | 1,908 |
| Assets per employee ($millions) | 4.4534% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 4,371 |
| Loan loss allowance to noncurrent loans | 97.4020% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.6891% | 1,973 |
| Noncurrent loans to loans | 0.8358% | 1,902 |
| Net loans and leases to total assets | 81.7788% | 591 |
| Net loans and leases to deposits | 100.7337% | 584 |
| Net loans and leases to core deposits | 111.5872% | 863 |
| Total domestic deposits to total assets | 81.1831% | 3,698 |
| Equity capital to assets | 11.4996% | 2,656 |
| Core capital (leverage) ratio | 9.7884% | 3,872 |
| Tier 1 risk-based capital ratio | 14.0329% | 3,315 |
| Total risk-based capital ratio | 15.0260% | 3,342 |
| Memoranda: | ||
| Average total assets | $325,591,250 | 2,014 |
| Average earning assets | $292,626,750 | 2,084 |
| Average equity | $36,785,500 | 2,076 |
| Average total loans | $268,580,500 | 1,749 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 1,498 |
| Cost of funding earning assets | 0.7820% | 2,734 |
| Net interest margin | 4.2123% | 1,335 |
| Noninterest income to average assets | 0.4774% | 2,801 |
| Noninterest expense to average assets | 2.9623% | 2,104 |
| Loan and lease loss provision to assets | 0.1665% | 1,090 |
| Net operating income to assets | 0.9338% | 3,155 |
| Return on assets (ROA) | 0.9338% | 3,213 |
| Pretax return on assets | 1.1361% | 3,135 |
| Return on Equity (ROE) | 8.3153% | 3,152 |
| Retained earnings to average equity (ytd only) | 8.3153% | 1,273 |
| Net charge-offs to loans | 0.1047% | 1,343 |
| Credit loss provision to net charge-offs | 192.8571% | 1,252 |
| Earnings coverage of net charge-offs (x) | 15.0857% | 2,005 |
| Efficiency ratio | 68.6334% | 2,427 |
| Assets per employee ($millions) | 4.4096% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 4,509 |
| Loan loss allowance to noncurrent loans | 79.3025% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 1,559 |
| Noncurrent loans to loans | 0.9846% | 1,658 |
| Net loans and leases to total assets | 81.4703% | 676 |
| Net loans and leases to deposits | 100.0132% | 679 |
| Net loans and leases to core deposits | 109.0637% | 1,031 |
| Total domestic deposits to total assets | 81.4596% | 3,677 |
| Equity capital to assets | 11.4254% | 2,681 |
| Core capital (leverage) ratio | 9.7001% | 3,931 |
| Tier 1 risk-based capital ratio | 13.8366% | 3,404 |
| Total risk-based capital ratio | 14.7843% | 3,460 |
| Memoranda: | ||
| Average total assets | $324,271,670 | 2,030 |
| Average earning assets | $291,572,000 | 2,092 |
| Average equity | $36,415,000 | 2,087 |
| Average total loans | $267,536,000 | 1,764 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 923 |
| Cost of funding earning assets | 0.7996% | 2,543 |
| Net interest margin | 4.3929% | 924 |
| Noninterest income to average assets | 0.4479% | 2,863 |
| Noninterest expense to average assets | 2.5528% | 3,360 |
| Loan and lease loss provision to assets | 0.3094% | 412 |
| Net operating income to assets | 1.2572% | 1,857 |
| Return on assets (ROA) | 1.2572% | 1,906 |
| Pretax return on assets | 1.5356% | 1,662 |
| Return on Equity (ROE) | 11.2947% | 1,824 |
| Retained earnings to average equity (ytd only) | 11.2947% | 749 |
| Net charge-offs to loans | 0.0718% | 1,342 |
| Credit loss provision to net charge-offs | 520.8333% | 595 |
| Earnings coverage of net charge-offs (x) | 31.0625% | 1,311 |
| Efficiency ratio | 57.2594% | 4,178 |
| Assets per employee ($millions) | 4.7060% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 4,496 |
| Loan loss allowance to noncurrent loans | 71.3015% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 1,455 |
| Noncurrent loans to loans | 1.1339% | 1,473 |
| Net loans and leases to total assets | 81.7657% | 618 |
| Net loans and leases to deposits | 101.9843% | 500 |
| Net loans and leases to core deposits | 111.4138% | 866 |
| Total domestic deposits to total assets | 80.1747% | 4,147 |
| Equity capital to assets | 11.2806% | 2,579 |
| Core capital (leverage) ratio | 9.5221% | 4,105 |
| Tier 1 risk-based capital ratio | 13.5703% | 3,572 |
| Total risk-based capital ratio | 14.5575% | 3,620 |
| Memoranda: | ||
| Average total assets | $323,253,000 | 2,043 |
| Average earning assets | $290,651,500 | 2,110 |
| Average equity | $35,981,500 | 2,098 |
| Average total loans | $267,335,500 | 1,769 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 1,821 |
| Cost of funding earning assets | 0.6762% | 2,233 |
| Net interest margin | 4.0229% | 1,912 |
| Noninterest income to average assets | 0.4469% | 3,123 |
| Noninterest expense to average assets | 3.5125% | 981 |
| Loan and lease loss provision to assets | 0.1469% | 1,450 |
| Net operating income to assets | 0.3078% | 4,998 |
| Return on assets (ROA) | 0.3078% | 4,992 |
| Pretax return on assets | 0.3907% | 4,940 |
| Return on Equity (ROE) | 2.8229% | 4,931 |
| Retained earnings to average equity (ytd only) | 2.8229% | 3,989 |
| Net charge-offs to loans | 0.1950% | 987 |
| Credit loss provision to net charge-offs | 92.3828% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.3809% | 3,417 |
| Efficiency ratio | 85.8589% | 534 |
| Assets per employee ($millions) | 4.5970% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7348% | 4,721 |
| Loan loss allowance to noncurrent loans | 62.0493% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 1,323 |
| Noncurrent loans to loans | 1.1843% | 1,354 |
| Net loans and leases to total assets | 82.3639% | 607 |
| Net loans and leases to deposits | 102.1534% | 576 |
| Net loans and leases to core deposits | 111.1681% | 929 |
| Total domestic deposits to total assets | 80.6277% | 3,970 |
| Equity capital to assets | 10.9802% | 2,708 |
| Core capital (leverage) ratio | 9.1027% | 4,559 |
| Tier 1 risk-based capital ratio | 13.4507% | 3,578 |
| Total risk-based capital ratio | 14.3800% | 3,659 |
| Memoranda: | ||
| Average total assets | $321,966,000 | 2,035 |
| Average earning assets | $288,375,000 | 2,085 |
| Average equity | $35,105,800 | 2,066 |
| Average total loans | $262,499,400 | 1,768 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,781 |
| Cost of funding earning assets | 0.6236% | 2,311 |
| Net interest margin | 4.0418% | 1,814 |
| Noninterest income to average assets | 0.4579% | 3,116 |
| Noninterest expense to average assets | 3.6077% | 849 |
| Loan and lease loss provision to assets | 0.1652% | 1,143 |
| Net operating income to assets | 0.2269% | 5,181 |
| Return on assets (ROA) | 0.2269% | 5,175 |
| Pretax return on assets | 0.3027% | 5,137 |
| Return on Equity (ROE) | 2.0847% | 5,123 |
| Retained earnings to average equity (ytd only) | 2.0847% | 4,554 |
| Net charge-offs to loans | 0.2545% | 664 |
| Credit loss provision to net charge-offs | 79.9599% | 2,530 |
| Earnings coverage of net charge-offs (x) | 2.2645% | 3,258 |
| Efficiency ratio | 87.6664% | 423 |
| Assets per employee ($millions) | 4.6538% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 4,846 |
| Loan loss allowance to noncurrent loans | 53.4439% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 1,012 |
| Noncurrent loans to loans | 1.3393% | 1,245 |
| Net loans and leases to total assets | 80.9422% | 878 |
| Net loans and leases to deposits | 103.0591% | 600 |
| Net loans and leases to core deposits | 109.3748% | 1,073 |
| Total domestic deposits to total assets | 78.5396% | 4,398 |
| Equity capital to assets | 10.7242% | 2,918 |
| Core capital (leverage) ratio | 8.9527% | 4,743 |
| Tier 1 risk-based capital ratio | 12.5605% | 4,178 |
| Total risk-based capital ratio | 13.4103% | 4,302 |
| Memoranda: | ||
| Average total assets | $322,010,250 | 2,046 |
| Average earning assets | $288,211,000 | 2,097 |
| Average equity | $35,049,000 | 2,075 |
| Average total loans | $261,374,250 | 1,779 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6833% | 1,542 |
| Cost of funding earning assets | 0.6097% | 2,164 |
| Net interest margin | 4.0737% | 1,633 |
| Noninterest income to average assets | 0.4415% | 3,207 |
| Noninterest expense to average assets | 3.2242% | 1,481 |
| Loan and lease loss provision to assets | 0.1135% | 1,747 |
| Net operating income to assets | 0.5793% | 4,569 |
| Return on assets (ROA) | 0.5793% | 4,562 |
| Pretax return on assets | 0.7451% | 4,403 |
| Return on Equity (ROE) | 5.2955% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.2955% | 2,935 |
| Net charge-offs to loans | 0.3008% | 532 |
| Credit loss provision to net charge-offs | 46.5473% | 2,510 |
| Earnings coverage of net charge-offs (x) | 3.5217% | 2,871 |
| Efficiency ratio | 78.1002% | 1,190 |
| Assets per employee ($millions) | 4.6440% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6884% | 4,964 |
| Loan loss allowance to noncurrent loans | 44.6660% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.5635% | 833 |
| Noncurrent loans to loans | 1.5412% | 1,077 |
| Net loans and leases to total assets | 80.6791% | 912 |
| Net loans and leases to deposits | 97.9889% | 969 |
| Net loans and leases to core deposits | 105.1496% | 1,305 |
| Total domestic deposits to total assets | 82.3350% | 3,620 |
| Equity capital to assets | 11.0575% | 2,581 |
| Core capital (leverage) ratio | 9.1706% | 4,497 |
| Tier 1 risk-based capital ratio | 13.2154% | 3,782 |
| Total risk-based capital ratio | 14.0496% | 3,915 |
| Memoranda: | ||
| Average total assets | $320,758,000 | 2,059 |
| Average earning assets | $286,718,330 | 2,121 |
| Average equity | $35,086,670 | 2,085 |
| Average total loans | $259,971,000 | 1,791 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 1,330 |
| Cost of funding earning assets | 0.6183% | 1,923 |
| Net interest margin | 4.0706% | 1,513 |
| Noninterest income to average assets | 0.4338% | 3,215 |
| Noninterest expense to average assets | 3.1472% | 1,698 |
| Loan and lease loss provision to assets | 0.0872% | 2,057 |
| Net operating income to assets | 0.6544% | 4,264 |
| Return on assets (ROA) | 0.6544% | 4,275 |
| Pretax return on assets | 0.8426% | 4,046 |
| Return on Equity (ROE) | 6.0148% | 4,149 |
| Retained earnings to average equity (ytd only) | 6.0148% | 2,700 |
| Net charge-offs to loans | 0.3125% | 486 |
| Credit loss provision to net charge-offs | 34.4828% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.6749% | 2,364 |
| Efficiency ratio | 76.3375% | 1,553 |
| Assets per employee ($millions) | 4.8060% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 4,990 |
| Loan loss allowance to noncurrent loans | 40.0429% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 1.6901% | 760 |
| Noncurrent loans to loans | 1.7929% | 935 |
| Net loans and leases to total assets | 81.4377% | 734 |
| Net loans and leases to deposits | 99.7941% | 724 |
| Net loans and leases to core deposits | 107.9401% | 1,128 |
| Total domestic deposits to total assets | 81.6058% | 4,064 |
| Equity capital to assets | 11.0550% | 2,530 |
| Core capital (leverage) ratio | 8.9967% | 4,681 |
| Tier 1 risk-based capital ratio | 13.1975% | 3,849 |
| Total risk-based capital ratio | 14.0820% | 3,933 |
| Memoranda: | ||
| Average total assets | $320,919,500 | 2,070 |
| Average earning assets | $287,229,500 | 2,137 |
| Average equity | $34,914,000 | 2,103 |
| Average total loans | $259,798,500 | 1,793 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 1,856 |
| Cost of funding earning assets | 0.5999% | 1,592 |
| Net interest margin | 3.8569% | 2,233 |
| Noninterest income to average assets | 0.3733% | 3,798 |
| Noninterest expense to average assets | 3.6871% | 808 |
| Loan and lease loss provision to assets | 0.1513% | 1,491 |
| Net operating income to assets | -0.7825% | 5,567 |
| Return on assets (ROA) | -0.7825% | 5,567 |
| Pretax return on assets | -0.0246% | 5,449 |
| Return on Equity (ROE) | -5.7016% | 5,553 |
| Retained earnings to average equity (ytd only) | -5.7016% | 5,461 |
| Net charge-offs to loans | 0.0539% | 2,727 |
| Credit loss provision to net charge-offs | 344.0367% | 851 |
| Earnings coverage of net charge-offs (x) | 2.8807% | 3,682 |
| Efficiency ratio | 95.8307% | 253 |
| Assets per employee ($millions) | 5.0725% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7714% | 4,906 |
| Loan loss allowance to noncurrent loans | 31.2656% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.1944% | 473 |
| Noncurrent loans to loans | 2.4671% | 546 |
| Net loans and leases to total assets | 79.2904% | 1,069 |
| Net loans and leases to deposits | 102.8348% | 559 |
| Net loans and leases to core deposits | 111.3948% | 930 |
| Total domestic deposits to total assets | 77.1046% | 4,847 |
| Equity capital to assets | 10.7078% | 2,935 |
| Core capital (leverage) ratio | 8.8467% | 4,812 |
| Tier 1 risk-based capital ratio | 12.7703% | 4,048 |
| Total risk-based capital ratio | 13.7072% | 4,137 |
| Memoranda: | ||
| Average total assets | $247,781,600 | 2,505 |
| Average earning assets | $221,033,600 | 2,573 |
| Average equity | $34,007,800 | 2,130 |
| Average total loans | $202,149,800 | 2,138 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 2,228 |
| Cost of funding earning assets | 0.5875% | 1,622 |
| Net interest margin | 3.7263% | 2,668 |
| Noninterest income to average assets | 0.3062% | 4,340 |
| Noninterest expense to average assets | 3.8687% | 620 |
| Loan and lease loss provision to assets | 0.1750% | 1,149 |
| Net operating income to assets | -0.2392% | 5,588 |
| Return on assets (ROA) | -0.2392% | 5,590 |
| Pretax return on assets | -0.4147% | 5,612 |
| Return on Equity (ROE) | -1.6164% | 5,580 |
| Retained earnings to average equity (ytd only) | -1.6164% | 5,404 |
| Net charge-offs to loans | 0.0752% | 2,066 |
| Credit loss provision to net charge-offs | 283.0189% | 1,036 |
| Earnings coverage of net charge-offs (x) | -3.8774% | 3,750 |
| Efficiency ratio | 105.7869% | 120 |
| Assets per employee ($millions) | 5.0987% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 5,052 |
| Loan loss allowance to noncurrent loans | 29.1654% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.3016% | 506 |
| Noncurrent loans to loans | 2.5342% | 591 |
| Net loans and leases to total assets | 80.6502% | 894 |
| Net loans and leases to deposits | 101.9111% | 623 |
| Net loans and leases to core deposits | 108.9576% | 1,091 |
| Total domestic deposits to total assets | 79.1378% | 4,507 |
| Equity capital to assets | 11.3365% | 2,538 |
| Core capital (leverage) ratio | 8.6027% | 5,159 |
| Tier 1 risk-based capital ratio | 12.1061% | 4,544 |
| Total risk-based capital ratio | 12.9946% | 4,680 |
| Memoranda: | ||
| Average total assets | $228,566,500 | 2,674 |
| Average earning assets | $203,809,000 | 2,750 |
| Average equity | $33,819,250 | 2,151 |
| Average total loans | $187,834,500 | 2,272 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 1,706 |
| Cost of funding earning assets | 0.6198% | 1,336 |
| Net interest margin | 3.8182% | 2,219 |
| Noninterest income to average assets | 0.2934% | 4,449 |
| Noninterest expense to average assets | 3.0342% | 2,034 |
| Loan and lease loss provision to assets | 0.0708% | 2,559 |
| Net operating income to assets | 0.3925% | 4,990 |
| Return on assets (ROA) | 0.3925% | 5,018 |
| Pretax return on assets | 0.6040% | 4,796 |
| Return on Equity (ROE) | 2.3548% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.3548% | 4,272 |
| Net charge-offs to loans | 0.1224% | 1,426 |
| Credit loss provision to net charge-offs | 70.0000% | 2,375 |
| Earnings coverage of net charge-offs (x) | 6.6700% | 2,680 |
| Efficiency ratio | 81.0420% | 1,104 |
| Assets per employee ($millions) | 5.8729% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,977 |
| Loan loss allowance to noncurrent loans | 44.7742% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.0533% | 606 |
| Noncurrent loans to loans | 2.2948% | 693 |
| Net loans and leases to total assets | 82.2485% | 633 |
| Net loans and leases to deposits | 106.6206% | 379 |
| Net loans and leases to core deposits | 115.5781% | 735 |
| Total domestic deposits to total assets | 77.1413% | 4,938 |
| Equity capital to assets | 16.6006% | 454 |
| Core capital (leverage) ratio | 15.1312% | 601 |
| Tier 1 risk-based capital ratio | 18.7432% | 1,655 |
| Total risk-based capital ratio | 19.8273% | 1,660 |
| Memoranda: | ||
| Average total assets | $197,682,670 | 2,988 |
| Average earning assets | $176,838,330 | 3,029 |
| Average equity | $32,954,000 | 2,190 |
| Average total loans | $163,448,670 | 2,512 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 1,485 |
| Cost of funding earning assets | 0.6222% | 1,231 |
| Net interest margin | 3.8333% | 2,005 |
| Noninterest income to average assets | 0.2867% | 4,498 |
| Noninterest expense to average assets | 3.0218% | 2,107 |
| Loan and lease loss provision to assets | 0.0407% | 2,990 |
| Net operating income to assets | 0.4413% | 4,809 |
| Return on assets (ROA) | 0.4413% | 4,832 |
| Pretax return on assets | 0.6446% | 4,611 |
| Return on Equity (ROE) | 2.6404% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.6404% | 4,084 |
| Net charge-offs to loans | 0.1332% | 1,130 |
| Credit loss provision to net charge-offs | 37.0370% | 2,080 |
| Earnings coverage of net charge-offs (x) | 6.2407% | 2,227 |
| Efficiency ratio | 80.7460% | 1,288 |
| Assets per employee ($millions) | 5.8215% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,131 |
| Loan loss allowance to noncurrent loans | 49.2612% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.0174% | 653 |
| Noncurrent loans to loans | 2.4380% | 650 |
| Net loans and leases to total assets | 81.7521% | 596 |
| Net loans and leases to deposits | 106.1988% | 315 |
| Net loans and leases to core deposits | 115.4456% | 612 |
| Total domestic deposits to total assets | 76.9802% | 5,112 |
| Equity capital to assets | 16.6665% | 415 |
| Core capital (leverage) ratio | 15.3446% | 550 |
| Tier 1 risk-based capital ratio | 18.6024% | 1,718 |
| Total risk-based capital ratio | 19.8531% | 1,675 |
| Memoranda: | ||
| Average total assets | $196,702,000 | 3,028 |
| Average earning assets | $175,516,500 | 3,075 |
| Average equity | $32,874,000 | 2,201 |
| Average total loans | $162,204,000 | 2,549 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 1,704 |
| Cost of funding earning assets | 0.6234% | 1,179 |
| Net interest margin | 3.8189% | 2,252 |
| Noninterest income to average assets | 0.2579% | 4,880 |
| Noninterest expense to average assets | 3.1031% | 2,029 |
| Loan and lease loss provision to assets | 0.0915% | 2,523 |
| Net operating income to assets | 0.3572% | 5,061 |
| Return on assets (ROA) | 0.3772% | 5,095 |
| Pretax return on assets | 0.4860% | 5,052 |
| Return on Equity (ROE) | 2.2257% | 5,350 |
| Retained earnings to average equity (ytd only) | 2.2257% | 4,268 |
| Net charge-offs to loans | -0.0787% | 5,518 |
| Credit loss provision to net charge-offs | -142.2764% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1134% | 1,001 |
| Assets per employee ($millions) | 5.9235% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,848 |
| Loan loss allowance to noncurrent loans | 42.0466% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 2.4627% | 489 |
| Noncurrent loans to loans | 2.9627% | 469 |
| Net loans and leases to total assets | 81.1504% | 723 |
| Net loans and leases to deposits | 106.3404% | 331 |
| Net loans and leases to core deposits | 113.9741% | 699 |
| Total domestic deposits to total assets | 76.3119% | 5,208 |
| Equity capital to assets | 16.7593% | 417 |
| Core capital (leverage) ratio | 15.3132% | 558 |
| Tier 1 risk-based capital ratio | 18.7719% | 1,664 |
| Total risk-based capital ratio | 20.0302% | 1,630 |
| Memoranda: | ||
| Average total assets | $191,165,800 | 3,048 |
| Average earning assets | $170,048,600 | 3,113 |
| Average equity | $32,394,600 | 2,209 |
| Average total loans | $156,368,200 | 2,564 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4681% | 1,640 |
| Cost of funding earning assets | 0.6184% | 1,218 |
| Net interest margin | 3.8498% | 2,160 |
| Noninterest income to average assets | 0.2665% | 4,866 |
| Noninterest expense to average assets | 3.1858% | 1,813 |
| Loan and lease loss provision to assets | 0.1227% | 1,896 |
| Net operating income to assets | 0.2723% | 5,344 |
| Return on assets (ROA) | 0.2967% | 5,378 |
| Pretax return on assets | 0.4159% | 5,275 |
| Return on Equity (ROE) | 1.7459% | 5,520 |
| Retained earnings to average equity (ytd only) | 1.7459% | 4,805 |
| Net charge-offs to loans | 0.0670% | 2,371 |
| Credit loss provision to net charge-offs | 224.3590% | 1,316 |
| Earnings coverage of net charge-offs (x) | 9.2177% | 2,692 |
| Efficiency ratio | 85.5351% | 865 |
| Assets per employee ($millions) | 5.6970% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,599 |
| Loan loss allowance to noncurrent loans | 42.3829% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.1926% | 673 |
| Noncurrent loans to loans | 2.6936% | 611 |
| Net loans and leases to total assets | 80.4716% | 819 |
| Net loans and leases to deposits | 109.9797% | 257 |
| Net loans and leases to core deposits | 113.9824% | 722 |
| Total domestic deposits to total assets | 73.1694% | 5,505 |
| Equity capital to assets | 16.7948% | 450 |
| Core capital (leverage) ratio | 15.3663% | 574 |
| Tier 1 risk-based capital ratio | 18.6255% | 1,752 |
| Total risk-based capital ratio | 19.7920% | 1,742 |
| Memoranda: | ||
| Average total assets | $190,088,750 | 3,071 |
| Average earning assets | $169,045,500 | 3,137 |
| Average equity | $32,303,250 | 2,228 |
| Average total loans | $155,303,000 | 2,577 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 1,539 |
| Cost of funding earning assets | 0.6120% | 1,233 |
| Net interest margin | 3.8791% | 2,050 |
| Noninterest income to average assets | 0.2880% | 4,727 |
| Noninterest expense to average assets | 3.2030% | 1,803 |
| Loan and lease loss provision to assets | 0.1588% | 1,432 |
| Net operating income to assets | 0.2644% | 5,405 |
| Return on assets (ROA) | 0.3007% | 5,408 |
| Pretax return on assets | 0.4278% | 5,286 |
| Return on Equity (ROE) | 1.7625% | 5,562 |
| Retained earnings to average equity (ytd only) | 1.7625% | 4,676 |
| Net charge-offs to loans | 0.0828% | 2,020 |
| Credit loss provision to net charge-offs | 234.3750% | 1,160 |
| Earnings coverage of net charge-offs (x) | 7.8906% | 2,577 |
| Efficiency ratio | 84.9008% | 974 |
| Assets per employee ($millions) | 5.4898% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 3,723 |
| Loan loss allowance to noncurrent loans | 50.9832% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.8262% | 936 |
| Noncurrent loans to loans | 2.2349% | 831 |
| Net loans and leases to total assets | 80.7825% | 788 |
| Net loans and leases to deposits | 109.3377% | 272 |
| Net loans and leases to core deposits | 113.9215% | 731 |
| Total domestic deposits to total assets | 73.8835% | 5,527 |
| Equity capital to assets | 16.8494% | 448 |
| Core capital (leverage) ratio | 15.5625% | 518 |
| Tier 1 risk-based capital ratio | 18.4260% | 1,816 |
| Total risk-based capital ratio | 19.5804% | 1,804 |
| Memoranda: | ||
| Average total assets | $188,886,000 | 3,099 |
| Average earning assets | $167,975,330 | 3,169 |
| Average equity | $32,227,330 | 2,234 |
| Average total loans | $154,513,670 | 2,596 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 1,641 |
| Cost of funding earning assets | 0.6110% | 1,263 |
| Net interest margin | 3.8442% | 2,128 |
| Noninterest income to average assets | 0.3334% | 4,347 |
| Noninterest expense to average assets | 3.1692% | 1,908 |
| Loan and lease loss provision to assets | 0.1389% | 1,509 |
| Net operating income to assets | 0.3060% | 5,288 |
| Return on assets (ROA) | 0.3783% | 5,132 |
| Pretax return on assets | 0.5449% | 4,966 |
| Return on Equity (ROE) | 2.2076% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.2076% | 4,376 |
| Net charge-offs to loans | 0.0366% | 2,251 |
| Credit loss provision to net charge-offs | 464.2857% | 643 |
| Earnings coverage of net charge-offs (x) | 19.3571% | 1,507 |
| Efficiency ratio | 83.7514% | 1,180 |
| Assets per employee ($millions) | 5.6828% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 3,981 |
| Loan loss allowance to noncurrent loans | 41.8301% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.4332% | 626 |
| Noncurrent loans to loans | 2.6603% | 678 |
| Net loans and leases to total assets | 81.8841% | 568 |
| Net loans and leases to deposits | 112.3642% | 177 |
| Net loans and leases to core deposits | 117.4826% | 550 |
| Total domestic deposits to total assets | 72.8738% | 5,717 |
| Equity capital to assets | 17.1641% | 406 |
| Core capital (leverage) ratio | 15.5219% | 532 |
| Tier 1 risk-based capital ratio | 18.0304% | 1,975 |
| Total risk-based capital ratio | 19.1286% | 1,983 |
| Memoranda: | ||
| Average total assets | $187,174,000 | 3,123 |
| Average earning assets | $166,275,000 | 3,194 |
| Average equity | $32,070,500 | 2,240 |
| Average total loans | $153,131,000 | 2,606 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 1,500 |
| Cost of funding earning assets | 0.5760% | 1,541 |
| Net interest margin | 3.9600% | 1,843 |
| Noninterest income to average assets | 0.3296% | 4,543 |
| Noninterest expense to average assets | 3.1727% | 2,029 |
| Loan and lease loss provision to assets | 0.3490% | 426 |
| Net operating income to assets | 0.0154% | 5,857 |
| Return on assets (ROA) | 0.0183% | 5,879 |
| Pretax return on assets | 0.3086% | 5,506 |
| Return on Equity (ROE) | 0.1030% | 5,884 |
| Retained earnings to average equity (ytd only) | 0.1030% | 5,465 |
| Net charge-offs to loans | 0.3428% | 864 |
| Credit loss provision to net charge-offs | 129.3634% | 2,022 |
| Earnings coverage of net charge-offs (x) | 2.4209% | 3,913 |
| Efficiency ratio | 82.1315% | 1,394 |
| Assets per employee ($millions) | 5.6611% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,982 |
| Loan loss allowance to noncurrent loans | 46.5852% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 2.1593% | 790 |
| Noncurrent loans to loans | 2.3858% | 792 |
| Net loans and leases to total assets | 79.9167% | 854 |
| Net loans and leases to deposits | 109.6175% | 252 |
| Net loans and leases to core deposits | 114.6207% | 652 |
| Total domestic deposits to total assets | 72.9050% | 5,736 |
| Equity capital to assets | 17.1039% | 396 |
| Core capital (leverage) ratio | 15.4865% | 536 |
| Tier 1 risk-based capital ratio | 18.2760% | 1,890 |
| Total risk-based capital ratio | 19.3627% | 1,893 |
| Memoranda: | ||
| Average total assets | $180,508,800 | 3,165 |
| Average earning assets | $159,370,400 | 3,260 |
| Average equity | $32,029,600 | 2,200 |
| Average total loans | $142,058,600 | 2,700 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 1,543 |
| Cost of funding earning assets | 0.5668% | 1,653 |
| Net interest margin | 3.9509% | 1,871 |
| Noninterest income to average assets | 0.3450% | 4,463 |
| Noninterest expense to average assets | 3.1952% | 1,980 |
| Loan and lease loss provision to assets | 0.3875% | 318 |
| Net operating income to assets | 0.1883% | 5,700 |
| Return on assets (ROA) | 0.1930% | 5,753 |
| Pretax return on assets | 0.2481% | 5,724 |
| Return on Equity (ROE) | 1.0775% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.0775% | 5,285 |
| Net charge-offs to loans | 0.4062% | 633 |
| Credit loss provision to net charge-offs | 122.0657% | 1,955 |
| Earnings coverage of net charge-offs (x) | 1.9836% | 3,752 |
| Efficiency ratio | 82.7197% | 1,302 |
| Assets per employee ($millions) | 5.8698% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 4,137 |
| Loan loss allowance to noncurrent loans | 40.8271% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.3931% | 748 |
| Noncurrent loans to loans | 2.7332% | 696 |
| Net loans and leases to total assets | 76.8510% | 1,266 |
| Net loans and leases to deposits | 108.3910% | 293 |
| Net loans and leases to core deposits | 113.1905% | 699 |
| Total domestic deposits to total assets | 70.9016% | 5,930 |
| Equity capital to assets | 17.1544% | 420 |
| Core capital (leverage) ratio | 15.7536% | 524 |
| Tier 1 risk-based capital ratio | 18.7099% | 1,850 |
| Total risk-based capital ratio | 19.7970% | 1,849 |
| Memoranda: | ||
| Average total assets | $178,931,750 | 3,208 |
| Average earning assets | $157,595,750 | 3,320 |
| Average equity | $32,048,750 | 2,211 |
| Average total loans | $139,829,250 | 2,745 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 1,555 |
| Cost of funding earning assets | 0.5609% | 1,724 |
| Net interest margin | 3.9341% | 1,875 |
| Noninterest income to average assets | 0.3705% | 4,290 |
| Noninterest expense to average assets | 3.1745% | 2,050 |
| Loan and lease loss provision to assets | 0.5172% | 189 |
| Net operating income to assets | 0.1081% | 5,867 |
| Return on assets (ROA) | 0.1148% | 5,907 |
| Pretax return on assets | 0.1557% | 5,873 |
| Return on Equity (ROE) | 0.6314% | 5,950 |
| Retained earnings to average equity (ytd only) | 0.6314% | 5,309 |
| Net charge-offs to loans | 0.6126% | 383 |
| Credit loss provision to net charge-offs | 107.8199% | 1,951 |
| Earnings coverage of net charge-offs (x) | 1.3839% | 3,524 |
| Efficiency ratio | 81.8774% | 1,507 |
| Assets per employee ($millions) | 5.2918% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 4,288 |
| Loan loss allowance to noncurrent loans | 39.6160% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.3238% | 859 |
| Noncurrent loans to loans | 2.7932% | 748 |
| Net loans and leases to total assets | 77.8865% | 1,082 |
| Net loans and leases to deposits | 104.3789% | 431 |
| Net loans and leases to core deposits | 108.5443% | 921 |
| Total domestic deposits to total assets | 74.6190% | 5,737 |
| Equity capital to assets | 17.8161% | 353 |
| Core capital (leverage) ratio | 16.1328% | 448 |
| Tier 1 risk-based capital ratio | 19.5045% | 1,668 |
| Total risk-based capital ratio | 20.6032% | 1,678 |
| Memoranda: | ||
| Average total assets | $175,964,000 | 3,270 |
| Average earning assets | $155,104,000 | 3,377 |
| Average equity | $31,991,000 | 2,223 |
| Average total loans | $137,778,330 | 2,778 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 1,429 |
| Cost of funding earning assets | 0.5506% | 1,836 |
| Net interest margin | 3.9588% | 1,693 |
| Noninterest income to average assets | 0.5126% | 3,207 |
| Noninterest expense to average assets | 3.2273% | 1,910 |
| Loan and lease loss provision to assets | 0.8620% | 101 |
| Net operating income to assets | -0.0161% | 6,032 |
| Return on assets (ROA) | -0.0161% | 6,070 |
| Pretax return on assets | -0.1057% | 6,122 |
| Return on Equity (ROE) | -0.0875% | 6,069 |
| Retained earnings to average equity (ytd only) | -0.0875% | 5,394 |
| Net charge-offs to loans | 1.2075% | 176 |
| Credit loss provision to net charge-offs | 91.4634% | 1,732 |
| Earnings coverage of net charge-offs (x) | 0.8024% | 3,006 |
| Efficiency ratio | 80.2077% | 1,873 |
| Assets per employee ($millions) | 5.3273% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 4,530 |
| Loan loss allowance to noncurrent loans | 39.0161% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 2.1854% | 1,052 |
| Noncurrent loans to loans | 2.8175% | 812 |
| Net loans and leases to total assets | 76.7140% | 1,100 |
| Net loans and leases to deposits | 101.1687% | 500 |
| Net loans and leases to core deposits | 105.2293% | 990 |
| Total domestic deposits to total assets | 75.8278% | 5,753 |
| Equity capital to assets | 18.1808% | 319 |
| Core capital (leverage) ratio | 17.2634% | 338 |
| Tier 1 risk-based capital ratio | 21.3217% | 1,363 |
| Total risk-based capital ratio | 22.4028% | 1,364 |
| Memoranda: | ||
| Average total assets | $174,015,000 | 3,309 |
| Average earning assets | $152,571,500 | 3,425 |
| Average equity | $31,997,000 | 2,236 |
| Average total loans | $135,816,000 | 2,810 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 1,916 |
| Cost of funding earning assets | 0.5320% | 2,365 |
| Net interest margin | 3.9571% | 2,020 |
| Noninterest income to average assets | 0.3450% | 4,635 |
| Noninterest expense to average assets | 3.1553% | 2,339 |
| Loan and lease loss provision to assets | 0.2670% | 817 |
| Net operating income to assets | 0.3077% | 5,497 |
| Return on assets (ROA) | 0.2963% | 5,597 |
| Pretax return on assets | 0.4284% | 5,422 |
| Return on Equity (ROE) | 1.5974% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.5974% | 5,028 |
| Net charge-offs to loans | 0.3403% | 1,289 |
| Credit loss provision to net charge-offs | 100.2203% | 2,382 |
| Earnings coverage of net charge-offs (x) | 2.6718% | 4,089 |
| Efficiency ratio | 80.7587% | 1,808 |
| Assets per employee ($millions) | 5.0656% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 4,370 |
| Loan loss allowance to noncurrent loans | 28.0490% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 3.1754% | 609 |
| Noncurrent loans to loans | 4.0431% | 451 |
| Net loans and leases to total assets | 77.6495% | 1,050 |
| Net loans and leases to deposits | 103.1572% | 466 |
| Net loans and leases to core deposits | 106.9829% | 955 |
| Total domestic deposits to total assets | 75.2730% | 5,826 |
| Equity capital to assets | 18.5985% | 283 |
| Core capital (leverage) ratio | 16.2484% | 446 |
| Tier 1 risk-based capital ratio | 23.3200% | 1,030 |
| Total risk-based capital ratio | 24.5709% | 1,006 |
| Memoranda: | ||
| Average total assets | $170,410,200 | 3,334 |
| Average earning assets | $151,678,200 | 3,416 |
| Average equity | $31,613,400 | 2,184 |
| Average total loans | $133,392,600 | 2,798 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,881 |
| Cost of funding earning assets | 0.5292% | 2,476 |
| Net interest margin | 3.9679% | 1,975 |
| Noninterest income to average assets | 0.3562% | 4,591 |
| Noninterest expense to average assets | 3.1325% | 2,372 |
| Loan and lease loss provision to assets | 0.3020% | 649 |
| Net operating income to assets | 0.3462% | 5,440 |
| Return on assets (ROA) | 0.3334% | 5,550 |
| Pretax return on assets | 0.4511% | 5,461 |
| Return on Equity (ROE) | 1.7984% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.7984% | 5,152 |
| Net charge-offs to loans | 0.3721% | 1,077 |
| Credit loss provision to net charge-offs | 103.7736% | 2,132 |
| Earnings coverage of net charge-offs (x) | 2.6469% | 3,859 |
| Efficiency ratio | 79.4372% | 1,998 |
| Assets per employee ($millions) | 5.4972% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 4,426 |
| Loan loss allowance to noncurrent loans | 30.8106% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 3.0602% | 762 |
| Noncurrent loans to loans | 3.7744% | 596 |
| Net loans and leases to total assets | 77.1533% | 1,073 |
| Net loans and leases to deposits | 102.1220% | 496 |
| Net loans and leases to core deposits | 106.2508% | 945 |
| Total domestic deposits to total assets | 75.5501% | 5,868 |
| Equity capital to assets | 18.7133% | 288 |
| Core capital (leverage) ratio | 16.3002% | 440 |
| Tier 1 risk-based capital ratio | 23.4900% | 1,049 |
| Total risk-based capital ratio | 24.7407% | 1,037 |
| Memoranda: | ||
| Average total assets | $169,955,500 | 3,365 |
| Average earning assets | $151,914,250 | 3,434 |
| Average equity | $31,508,750 | 2,197 |
| Average total loans | $132,923,500 | 2,818 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4459% | 2,009 |
| Cost of funding earning assets | 0.5346% | 2,495 |
| Net interest margin | 3.9113% | 2,115 |
| Noninterest income to average assets | 0.3910% | 4,304 |
| Noninterest expense to average assets | 3.1495% | 2,333 |
| Loan and lease loss provision to assets | 0.3710% | 467 |
| Net operating income to assets | 0.2667% | 5,674 |
| Return on assets (ROA) | 0.2497% | 5,789 |
| Pretax return on assets | 0.3298% | 5,726 |
| Return on Equity (ROE) | 1.3511% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.3511% | 5,204 |
| Net charge-offs to loans | 0.4365% | 938 |
| Credit loss provision to net charge-offs | 108.6207% | 1,847 |
| Earnings coverage of net charge-offs (x) | 2.1172% | 3,629 |
| Efficiency ratio | 80.4745% | 1,946 |
| Assets per employee ($millions) | 5.2154% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 4,586 |
| Loan loss allowance to noncurrent loans | 36.6244% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 2.5955% | 1,056 |
| Noncurrent loans to loans | 3.1838% | 892 |
| Net loans and leases to total assets | 76.7291% | 1,079 |
| Net loans and leases to deposits | 101.0568% | 503 |
| Net loans and leases to core deposits | 103.6156% | 1,044 |
| Total domestic deposits to total assets | 75.9267% | 5,915 |
| Equity capital to assets | 18.4047% | 302 |
| Core capital (leverage) ratio | 15.9543% | 485 |
| Tier 1 risk-based capital ratio | 22.8241% | 1,137 |
| Total risk-based capital ratio | 24.0753% | 1,123 |
| Memoranda: | ||
| Average total assets | $169,802,670 | 3,384 |
| Average earning assets | $151,150,330 | 3,462 |
| Average equity | $31,381,670 | 2,195 |
| Average total loans | $132,889,000 | 2,820 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 1,829 |
| Cost of funding earning assets | 0.5446% | 2,467 |
| Net interest margin | 3.9509% | 1,928 |
| Noninterest income to average assets | 0.4506% | 3,791 |
| Noninterest expense to average assets | 3.0501% | 2,696 |
| Loan and lease loss provision to assets | 0.1423% | 1,711 |
| Net operating income to assets | 0.4767% | 4,802 |
| Return on assets (ROA) | 0.4767% | 4,880 |
| Pretax return on assets | 0.7685% | 4,233 |
| Return on Equity (ROE) | 2.5741% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.5741% | 4,526 |
| Net charge-offs to loans | 0.0392% | 2,835 |
| Credit loss provision to net charge-offs | 461.5385% | 580 |
| Earnings coverage of net charge-offs (x) | 29.5385% | 1,063 |
| Efficiency ratio | 76.1677% | 2,772 |
| Assets per employee ($millions) | 5.1391% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 4,648 |
| Loan loss allowance to noncurrent loans | 37.0023% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 2.6611% | 1,156 |
| Noncurrent loans to loans | 3.2325% | 953 |
| Net loans and leases to total assets | 76.9591% | 888 |
| Net loans and leases to deposits | 102.2853% | 359 |
| Net loans and leases to core deposits | 104.7388% | 814 |
| Total domestic deposits to total assets | 75.2397% | 6,135 |
| Equity capital to assets | 18.4781% | 295 |
| Core capital (leverage) ratio | 17.0161% | 366 |
| Tier 1 risk-based capital ratio | 24.2168% | 972 |
| Total risk-based capital ratio | 25.3756% | 968 |
| Memoranda: | ||
| Average total assets | $168,650,000 | 3,431 |
| Average earning assets | $149,840,500 | 3,510 |
| Average equity | $31,234,500 | 2,201 |
| Average total loans | $132,526,000 | 2,840 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 1,705 |
| Cost of funding earning assets | 0.5083% | 3,523 |
| Net interest margin | 4.1441% | 1,523 |
| Noninterest income to average assets | 0.2897% | 5,286 |
| Noninterest expense to average assets | 4.6480% | 464 |
| Loan and lease loss provision to assets | 0.5253% | 521 |
| Net operating income to assets | -0.9084% | 6,588 |
| Return on assets (ROA) | -0.8869% | 6,586 |
| Pretax return on assets | -1.1908% | 6,630 |
| Return on Equity (ROE) | -4.6469% | 6,477 |
| Retained earnings to average equity (ytd only) | -4.6469% | 6,349 |
| Net charge-offs to loans | 0.6940% | 933 |
| Credit loss provision to net charge-offs | 97.4670% | 2,548 |
| Earnings coverage of net charge-offs (x) | -1.2885% | 5,284 |
| Efficiency ratio | 115.6006% | 208 |
| Assets per employee ($millions) | 5.2409% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 4,897 |
| Loan loss allowance to noncurrent loans | 36.6571% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.9700% | 1,070 |
| Noncurrent loans to loans | 3.1454% | 1,091 |
| Net loans and leases to total assets | 78.3638% | 777 |
| Net loans and leases to deposits | 103.5715% | 335 |
| Net loans and leases to core deposits | 106.0666% | 794 |
| Total domestic deposits to total assets | 75.6616% | 6,120 |
| Equity capital to assets | 18.5630% | 284 |
| Core capital (leverage) ratio | 17.3965% | 337 |
| Tier 1 risk-based capital ratio | 24.7395% | 877 |
| Total risk-based capital ratio | 25.9906% | 868 |
| Memoranda: | ||
| Average total assets | $168,459,800 | 3,435 |
| Average earning assets | $148,935,800 | 3,525 |
| Average equity | $32,150,800 | 2,122 |
| Average total loans | $130,833,600 | 2,845 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 1,755 |
| Cost of funding earning assets | 0.4857% | 3,907 |
| Net interest margin | 4.1606% | 1,455 |
| Noninterest income to average assets | 0.3233% | 5,096 |
| Noninterest expense to average assets | 4.8629% | 374 |
| Loan and lease loss provision to assets | 0.6206% | 380 |
| Net operating income to assets | -0.8009% | 6,674 |
| Return on assets (ROA) | -0.8009% | 6,680 |
| Pretax return on assets | -1.4831% | 6,756 |
| Return on Equity (ROE) | -4.1679% | 6,577 |
| Retained earnings to average equity (ytd only) | -4.1679% | 6,452 |
| Net charge-offs to loans | 0.7766% | 764 |
| Credit loss provision to net charge-offs | 103.4256% | 2,270 |
| Earnings coverage of net charge-offs (x) | -1.4374% | 5,037 |
| Efficiency ratio | 119.6047% | 175 |
| Assets per employee ($millions) | 5.4113% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 4,857 |
| Loan loss allowance to noncurrent loans | 35.0698% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 3.2066% | 1,116 |
| Noncurrent loans to loans | 3.4246% | 1,128 |
| Net loans and leases to total assets | 77.5809% | 798 |
| Net loans and leases to deposits | 103.2324% | 321 |
| Net loans and leases to core deposits | 105.3551% | 798 |
| Total domestic deposits to total assets | 75.1517% | 6,262 |
| Equity capital to assets | 18.7911% | 276 |
| Core capital (leverage) ratio | 17.1186% | 378 |
| Tier 1 risk-based capital ratio | 24.4576% | 938 |
| Total risk-based capital ratio | 25.7093% | 921 |
| Memoranda: | ||
| Average total assets | $168,647,250 | 3,474 |
| Average earning assets | $149,046,500 | 3,550 |
| Average equity | $32,405,500 | 2,130 |
| Average total loans | $130,302,750 | 2,873 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 1,477 |
| Cost of funding earning assets | 0.4683% | 4,227 |
| Net interest margin | 4.2658% | 1,103 |
| Noninterest income to average assets | 0.3551% | 4,849 |
| Noninterest expense to average assets | 3.1075% | 2,641 |
| Loan and lease loss provision to assets | 0.3847% | 828 |
| Net operating income to assets | 0.4475% | 5,024 |
| Return on assets (ROA) | 0.4475% | 5,194 |
| Pretax return on assets | 0.6262% | 4,920 |
| Return on Equity (ROE) | 2.3119% | 5,856 |
| Retained earnings to average equity (ytd only) | 2.3119% | 4,817 |
| Net charge-offs to loans | 0.6562% | 996 |
| Credit loss provision to net charge-offs | 76.2911% | 2,701 |
| Earnings coverage of net charge-offs (x) | 2.0047% | 3,848 |
| Efficiency ratio | 73.5844% | 3,211 |
| Assets per employee ($millions) | 5.1370% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,361 |
| Loan loss allowance to noncurrent loans | 32.8814% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 3.3017% | 1,192 |
| Noncurrent loans to loans | 3.4071% | 1,250 |
| Net loans and leases to total assets | 75.7557% | 1,009 |
| Net loans and leases to deposits | 101.3895% | 360 |
| Net loans and leases to core deposits | 103.4594% | 864 |
| Total domestic deposits to total assets | 74.7174% | 6,381 |
| Equity capital to assets | 19.3039% | 241 |
| Core capital (leverage) ratio | 16.9418% | 375 |
| Tier 1 risk-based capital ratio | 24.9582% | 880 |
| Total risk-based capital ratio | 26.2085% | 864 |
| Memoranda: | ||
| Average total assets | $168,946,330 | 3,483 |
| Average earning assets | $149,045,000 | 3,575 |
| Average equity | $32,700,000 | 2,118 |
| Average total loans | $129,829,000 | 2,877 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 1,459 |
| Cost of funding earning assets | 0.4796% | 4,280 |
| Net interest margin | 4.2492% | 1,074 |
| Noninterest income to average assets | 0.4103% | 4,386 |
| Noninterest expense to average assets | 3.0167% | 2,937 |
| Loan and lease loss provision to assets | 0.3557% | 914 |
| Net operating income to assets | 0.5621% | 4,399 |
| Return on assets (ROA) | 0.5621% | 4,556 |
| Pretax return on assets | 0.7992% | 4,171 |
| Return on Equity (ROE) | 2.9001% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.9001% | 4,546 |
| Net charge-offs to loans | 0.3051% | 1,742 |
| Credit loss provision to net charge-offs | 151.5152% | 1,351 |
| Earnings coverage of net charge-offs (x) | 4.9192% | 2,448 |
| Efficiency ratio | 70.4377% | 3,901 |
| Assets per employee ($millions) | 5.0418% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 5,007 |
| Loan loss allowance to noncurrent loans | 24.6889% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 4.1694% | 931 |
| Noncurrent loans to loans | 5.0161% | 762 |
| Net loans and leases to total assets | 77.0261% | 718 |
| Net loans and leases to deposits | 101.2659% | 305 |
| Net loans and leases to core deposits | 103.1354% | 760 |
| Total domestic deposits to total assets | 76.0632% | 6,359 |
| Equity capital to assets | 19.6520% | 230 |
| Core capital (leverage) ratio | 17.4252% | 320 |
| Tier 1 risk-based capital ratio | 25.3851% | 850 |
| Total risk-based capital ratio | 26.6320% | 835 |
| Memoranda: | ||
| Average total assets | $168,659,500 | 3,525 |
| Average earning assets | $149,299,500 | 3,606 |
| Average equity | $32,688,000 | 2,138 |
| Average total loans | $129,805,500 | 2,897 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 1,223 |
| Cost of funding earning assets | 0.7993% | 2,673 |
| Net interest margin | 4.3442% | 1,301 |
| Noninterest income to average assets | -0.0140% | 6,857 |
| Noninterest expense to average assets | 2.9223% | 3,556 |
| Loan and lease loss provision to assets | 0.5185% | 1,128 |
| Net operating income to assets | 0.2837% | 5,525 |
| Return on assets (ROA) | -0.2167% | 6,449 |
| Pretax return on assets | -0.0931% | 6,359 |
| Return on Equity (ROE) | -1.1509% | 6,399 |
| Retained earnings to average equity (ytd only) | -1.1509% | 6,039 |
| Net charge-offs to loans | 0.6858% | 1,723 |
| Credit loss provision to net charge-offs | 95.8231% | 3,241 |
| Earnings coverage of net charge-offs (x) | 1.7248% | 4,571 |
| Efficiency ratio | 74.0172% | 3,068 |
| Assets per employee ($millions) | 6.1050% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,117 |
| Loan loss allowance to noncurrent loans | 24.3544% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 5.0088% | 776 |
| Noncurrent loans to loans | 4.9204% | 823 |
| Net loans and leases to total assets | 75.0513% | 1,037 |
| Net loans and leases to deposits | 101.5973% | 344 |
| Net loans and leases to core deposits | 103.4721% | 813 |
| Total domestic deposits to total assets | 73.8714% | 6,538 |
| Equity capital to assets | 19.1173% | 261 |
| Core capital (leverage) ratio | 18.1116% | 277 |
| Tier 1 risk-based capital ratio | 27.6242% | 649 |
| Total risk-based capital ratio | 28.8793% | 636 |
| Memoranda: | ||
| Average total assets | $150,429,800 | 3,766 |
| Average earning assets | $133,995,400 | 3,825 |
| Average equity | $28,324,800 | 2,369 |
| Average total loans | $118,696,400 | 3,107 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2429% | 1,109 |
| Cost of funding earning assets | 0.8736% | 2,370 |
| Net interest margin | 4.3693% | 1,286 |
| Noninterest income to average assets | 0.3386% | 5,099 |
| Noninterest expense to average assets | 2.7666% | 4,105 |
| Loan and lease loss provision to assets | 0.5506% | 1,053 |
| Net operating income to assets | 0.6713% | 4,037 |
| Return on assets (ROA) | 0.3285% | 5,719 |
| Pretax return on assets | 0.5662% | 5,261 |
| Return on Equity (ROE) | 1.7525% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.7525% | 5,453 |
| Net charge-offs to loans | 0.6327% | 1,738 |
| Credit loss provision to net charge-offs | 109.0909% | 2,690 |
| Earnings coverage of net charge-offs (x) | 2.9091% | 3,868 |
| Efficiency ratio | 63.7920% | 4,840 |
| Assets per employee ($millions) | 5.8080% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 5,007 |
| Loan loss allowance to noncurrent loans | 33.2522% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 4.5742% | 1,006 |
| Noncurrent loans to loans | 3.7880% | 1,399 |
| Net loans and leases to total assets | 73.7827% | 1,280 |
| Net loans and leases to deposits | 95.1352% | 716 |
| Net loans and leases to core deposits | 100.2151% | 1,103 |
| Total domestic deposits to total assets | 77.5557% | 6,153 |
| Equity capital to assets | 19.1787% | 286 |
| Core capital (leverage) ratio | 18.1776% | 290 |
| Tier 1 risk-based capital ratio | 28.3671% | 624 |
| Total risk-based capital ratio | 29.6286% | 609 |
| Memoranda: | ||
| Average total assets | $145,302,500 | 3,895 |
| Average earning assets | $129,568,000 | 3,952 |
| Average equity | $27,236,250 | 2,487 |
| Average total loans | $115,908,500 | 3,203 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4575% | 787 |
| Cost of funding earning assets | 0.8982% | 2,410 |
| Net interest margin | 4.5593% | 892 |
| Noninterest income to average assets | 0.2521% | 5,774 |
| Noninterest expense to average assets | 2.6803% | 4,494 |
| Loan and lease loss provision to assets | 0.5897% | 1,017 |
| Net operating income to assets | 0.6692% | 4,020 |
| Return on assets (ROA) | 0.1695% | 6,177 |
| Pretax return on assets | 0.5175% | 5,392 |
| Return on Equity (ROE) | 0.9136% | 6,316 |
| Retained earnings to average equity (ytd only) | 0.9136% | 5,708 |
| Net charge-offs to loans | 0.7612% | 1,446 |
| Credit loss provision to net charge-offs | 94.5626% | 2,917 |
| Earnings coverage of net charge-offs (x) | 2.5981% | 3,706 |
| Efficiency ratio | 61.0216% | 5,418 |
| Assets per employee ($millions) | 5.9880% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,485 |
| Loan loss allowance to noncurrent loans | 42.8611% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 4.8909% | 985 |
| Noncurrent loans to loans | 3.2559% | 1,789 |
| Net loans and leases to total assets | 80.3948% | 463 |
| Net loans and leases to deposits | 107.1413% | 198 |
| Net loans and leases to core deposits | 112.9930% | 478 |
| Total domestic deposits to total assets | 75.0363% | 6,588 |
| Equity capital to assets | 18.3439% | 316 |
| Core capital (leverage) ratio | 17.6862% | 309 |
| Tier 1 risk-based capital ratio | 25.3988% | 863 |
| Total risk-based capital ratio | 26.6537% | 846 |
| Memoranda: | ||
| Average total assets | $135,656,670 | 4,080 |
| Average earning assets | $120,457,330 | 4,157 |
| Average equity | $25,176,000 | 2,652 |
| Average total loans | $111,145,000 | 3,308 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 806 |
| Cost of funding earning assets | 0.9103% | 2,605 |
| Net interest margin | 4.5517% | 911 |
| Noninterest income to average assets | 0.3684% | 4,925 |
| Noninterest expense to average assets | 2.6236% | 4,732 |
| Loan and lease loss provision to assets | 0.6537% | 830 |
| Net operating income to assets | 0.6823% | 3,968 |
| Return on assets (ROA) | -0.0594% | 6,585 |
| Pretax return on assets | 0.3625% | 5,826 |
| Return on Equity (ROE) | -0.3183% | 6,562 |
| Retained earnings to average equity (ytd only) | -0.3183% | 6,048 |
| Net charge-offs to loans | 1.0816% | 954 |
| Credit loss provision to net charge-offs | 73.5786% | 2,850 |
| Earnings coverage of net charge-offs (x) | 2.0100% | 3,340 |
| Efficiency ratio | 58.2210% | 5,883 |
| Assets per employee ($millions) | 6.4223% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,798 |
| Loan loss allowance to noncurrent loans | 43.5572% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 4.7817% | 1,099 |
| Noncurrent loans to loans | 3.1020% | 2,067 |
| Net loans and leases to total assets | 81.7992% | 285 |
| Net loans and leases to deposits | 109.5781% | 144 |
| Net loans and leases to core deposits | 115.2960% | 395 |
| Total domestic deposits to total assets | 74.6493% | 6,685 |
| Equity capital to assets | 18.6204% | 301 |
| Core capital (leverage) ratio | 17.9586% | 298 |
| Tier 1 risk-based capital ratio | 25.4469% | 860 |
| Total risk-based capital ratio | 26.6362% | 845 |
| Memoranda: | ||
| Average total assets | $134,623,000 | 4,136 |
| Average earning assets | $119,515,000 | 4,210 |
| Average equity | $25,132,000 | 2,646 |
| Average total loans | $110,572,500 | 3,342 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 1,537 |
| Cost of funding earning assets | 1.0663% | 2,908 |
| Net interest margin | 4.2925% | 1,721 |
| Noninterest income to average assets | 0.1281% | 6,516 |
| Noninterest expense to average assets | 2.8109% | 4,305 |
| Loan and lease loss provision to assets | 0.6559% | 1,551 |
| Net operating income to assets | 0.3768% | 4,961 |
| Return on assets (ROA) | 0.3621% | 5,190 |
| Pretax return on assets | 0.5132% | 4,954 |
| Return on Equity (ROE) | 1.8893% | 5,700 |
| Retained earnings to average equity (ytd only) | 1.8893% | 4,855 |
| Net charge-offs to loans | 1.2016% | 1,396 |
| Credit loss provision to net charge-offs | 67.2699% | 4,952 |
| Earnings coverage of net charge-offs (x) | 1.2203% | 4,866 |
| Efficiency ratio | 68.4372% | 4,269 |
| Assets per employee ($millions) | 7.0725% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 6,106 |
| Loan loss allowance to noncurrent loans | 30.9695% | 6,133 |
| Noncurrent assets plus other real estate owned to assets | 5.1162% | 1,031 |
| Noncurrent loans to loans | 3.3024% | 1,962 |
| Net loans and leases to total assets | 80.5154% | 442 |
| Net loans and leases to deposits | 107.9381% | 208 |
| Net loans and leases to core deposits | 112.6855% | 547 |
| Total domestic deposits to total assets | 74.5941% | 6,663 |
| Equity capital to assets | 18.7166% | 294 |
| Core capital (leverage) ratio | 18.4624% | 275 |
| Tier 1 risk-based capital ratio | 29.0350% | 565 |
| Total risk-based capital ratio | 30.2677% | 555 |
| Memoranda: | ||
| Average total assets | $130,348,400 | 4,163 |
| Average earning assets | $117,600,000 | 4,191 |
| Average equity | $24,982,600 | 2,583 |
| Average total loans | $105,776,800 | 3,481 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 1,777 |
| Cost of funding earning assets | 1.0494% | 3,319 |
| Net interest margin | 4.2739% | 1,812 |
| Noninterest income to average assets | 0.1392% | 6,554 |
| Noninterest expense to average assets | 2.4915% | 5,494 |
| Loan and lease loss provision to assets | 0.6649% | 1,456 |
| Net operating income to assets | 0.5712% | 4,212 |
| Return on assets (ROA) | 0.5525% | 4,488 |
| Pretax return on assets | 0.8257% | 4,032 |
| Return on Equity (ROE) | 2.8654% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.8654% | 4,643 |
| Net charge-offs to loans | 1.3957% | 1,078 |
| Credit loss provision to net charge-offs | 58.7432% | 4,837 |
| Earnings coverage of net charge-offs (x) | 1.3415% | 4,610 |
| Efficiency ratio | 60.1799% | 5,690 |
| Assets per employee ($millions) | 6.7034% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,314 |
| Loan loss allowance to noncurrent loans | 25.4833% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 4.8557% | 1,195 |
| Noncurrent loans to loans | 3.8905% | 1,717 |
| Net loans and leases to total assets | 80.5211% | 467 |
| Net loans and leases to deposits | 109.1868% | 187 |
| Net loans and leases to core deposits | 112.8224% | 581 |
| Total domestic deposits to total assets | 73.7462% | 6,789 |
| Equity capital to assets | 18.8345% | 325 |
| Core capital (leverage) ratio | 18.5508% | 284 |
| Tier 1 risk-based capital ratio | 29.6552% | 561 |
| Total risk-based capital ratio | 30.9055% | 548 |
| Memoranda: | ||
| Average total assets | $129,341,000 | 4,213 |
| Average earning assets | $117,141,000 | 4,220 |
| Average equity | $24,940,500 | 2,574 |
| Average total loans | $104,892,750 | 3,522 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 1,759 |
| Cost of funding earning assets | 1.0887% | 3,326 |
| Net interest margin | 4.2479% | 1,854 |
| Noninterest income to average assets | 0.1847% | 6,338 |
| Noninterest expense to average assets | 2.4702% | 5,643 |
| Loan and lease loss provision to assets | 0.6418% | 1,495 |
| Net operating income to assets | 0.6067% | 4,030 |
| Return on assets (ROA) | 0.5792% | 4,289 |
| Pretax return on assets | 0.8844% | 3,687 |
| Return on Equity (ROE) | 2.9794% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.9794% | 4,383 |
| Net charge-offs to loans | 1.7892% | 787 |
| Credit loss provision to net charge-offs | 44.2765% | 4,726 |
| Earnings coverage of net charge-offs (x) | 1.0821% | 4,475 |
| Efficiency ratio | 58.9535% | 6,036 |
| Assets per employee ($millions) | 7.5486% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 6,482 |
| Loan loss allowance to noncurrent loans | 22.7639% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 4.5494% | 1,380 |
| Noncurrent loans to loans | 4.2192% | 1,610 |
| Net loans and leases to total assets | 81.8026% | 385 |
| Net loans and leases to deposits | 106.8590% | 240 |
| Net loans and leases to core deposits | 109.5019% | 733 |
| Total domestic deposits to total assets | 76.5519% | 6,516 |
| Equity capital to assets | 19.5222% | 290 |
| Core capital (leverage) ratio | 19.2244% | 263 |
| Tier 1 risk-based capital ratio | 30.6555% | 504 |
| Total risk-based capital ratio | 31.9053% | 495 |
| Memoranda: | ||
| Average total assets | $127,765,330 | 4,273 |
| Average earning assets | $115,915,670 | 4,280 |
| Average equity | $24,837,000 | 2,578 |
| Average total loans | $103,512,330 | 3,593 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 1,911 |
| Cost of funding earning assets | 1.1340% | 3,274 |
| Net interest margin | 4.1523% | 2,070 |
| Noninterest income to average assets | 0.1945% | 6,330 |
| Noninterest expense to average assets | 2.3815% | 5,947 |
| Loan and lease loss provision to assets | 0.8001% | 1,054 |
| Net operating income to assets | 0.5416% | 4,308 |
| Return on assets (ROA) | 0.4832% | 4,639 |
| Pretax return on assets | 0.6966% | 4,314 |
| Return on Equity (ROE) | 2.4910% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.4910% | 4,660 |
| Net charge-offs to loans | 3.2032% | 330 |
| Credit loss provision to net charge-offs | 31.1355% | 4,101 |
| Earnings coverage of net charge-offs (x) | 0.6154% | 4,170 |
| Efficiency ratio | 58.5907% | 6,193 |
| Assets per employee ($millions) | 8.0669% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,554 |
| Loan loss allowance to noncurrent loans | 21.4554% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 4.3836% | 1,489 |
| Noncurrent loans to loans | 4.4190% | 1,593 |
| Net loans and leases to total assets | 78.5134% | 677 |
| Net loans and leases to deposits | 102.1254% | 373 |
| Net loans and leases to core deposits | 104.8830% | 1,009 |
| Total domestic deposits to total assets | 76.8794% | 6,553 |
| Equity capital to assets | 19.2220% | 293 |
| Core capital (leverage) ratio | 18.9217% | 276 |
| Tier 1 risk-based capital ratio | 31.0175% | 476 |
| Total risk-based capital ratio | 32.2540% | 465 |
| Memoranda: | ||
| Average total assets | $127,485,000 | 4,313 |
| Average earning assets | $115,695,000 | 4,304 |
| Average equity | $24,729,500 | 2,570 |
| Average total loans | $102,272,500 | 3,661 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 2,822 |
| Cost of funding earning assets | 1.3573% | 3,523 |
| Net interest margin | 4.0099% | 2,981 |
| Noninterest income to average assets | 0.2761% | 5,805 |
| Noninterest expense to average assets | 2.3355% | 6,254 |
| Loan and lease loss provision to assets | 0.5506% | 2,935 |
| Net operating income to assets | 0.7430% | 3,030 |
| Return on assets (ROA) | -0.0449% | 6,005 |
| Pretax return on assets | -0.1517% | 6,050 |
| Return on Equity (ROE) | -0.2313% | 5,988 |
| Retained earnings to average equity (ytd only) | -0.2313% | 5,651 |
| Net charge-offs to loans | 0.3889% | 4,093 |
| Credit loss provision to net charge-offs | 175.4476% | 1,906 |
| Earnings coverage of net charge-offs (x) | 5.1944% | 2,689 |
| Efficiency ratio | 58.8950% | 6,217 |
| Assets per employee ($millions) | 8.9928% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 4,004 |
| Loan loss allowance to noncurrent loans | 28.1084% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 5.5886% | 1,101 |
| Noncurrent loans to loans | 5.3415% | 1,233 |
| Net loans and leases to total assets | 79.9863% | 660 |
| Net loans and leases to deposits | 103.9054% | 406 |
| Net loans and leases to core deposits | 106.4908% | 1,158 |
| Total domestic deposits to total assets | 76.9800% | 6,481 |
| Equity capital to assets | 19.5784% | 281 |
| Core capital (leverage) ratio | 19.6390% | 249 |
| Tier 1 risk-based capital ratio | 31.2270% | 459 |
| Total risk-based capital ratio | 32.4853% | 453 |
| Memoranda: | ||
| Average total assets | $124,596,400 | 4,385 |
| Average earning assets | $114,640,000 | 4,354 |
| Average equity | $24,215,200 | 2,636 |
| Average total loans | $100,546,400 | 3,777 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3137% | 3,283 |
| Cost of funding earning assets | 1.3935% | 3,620 |
| Net interest margin | 3.9202% | 3,449 |
| Noninterest income to average assets | 0.2500% | 6,100 |
| Noninterest expense to average assets | 2.2703% | 6,406 |
| Loan and lease loss provision to assets | 0.4410% | 3,268 |
| Net operating income to assets | 0.7894% | 3,047 |
| Return on assets (ROA) | -0.2639% | 6,444 |
| Pretax return on assets | -0.4882% | 6,541 |
| Return on Equity (ROE) | -1.3606% | 6,320 |
| Retained earnings to average equity (ytd only) | -1.3606% | 6,069 |
| Net charge-offs to loans | 0.0852% | 5,680 |
| Credit loss provision to net charge-offs | 642.1875% | 460 |
| Earnings coverage of net charge-offs (x) | 23.2816% | 1,064 |
| Efficiency ratio | 58.6800% | 6,168 |
| Assets per employee ($millions) | 8.9654% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 3,774 |
| Loan loss allowance to noncurrent loans | 18.3238% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 7.8763% | 644 |
| Noncurrent loans to loans | 8.4017% | 595 |
| Net loans and leases to total assets | 81.3233% | 582 |
| Net loans and leases to deposits | 104.5155% | 411 |
| Net loans and leases to core deposits | 107.3842% | 1,205 |
| Total domestic deposits to total assets | 77.8098% | 6,291 |
| Equity capital to assets | 19.5347% | 315 |
| Core capital (leverage) ratio | 19.5571% | 264 |
| Tier 1 risk-based capital ratio | 31.4014% | 456 |
| Total risk-based capital ratio | 32.6611% | 447 |
| Memoranda: | ||
| Average total assets | $124,270,750 | 4,450 |
| Average earning assets | $114,719,500 | 4,411 |
| Average equity | $24,106,750 | 2,689 |
| Average total loans | $100,123,750 | 3,856 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3433% | 3,244 |
| Cost of funding earning assets | 1.4189% | 3,752 |
| Net interest margin | 3.9244% | 3,339 |
| Noninterest income to average assets | 0.2228% | 6,321 |
| Noninterest expense to average assets | 2.2462% | 6,524 |
| Loan and lease loss provision to assets | 0.4118% | 3,262 |
| Net operating income to assets | 0.7219% | 3,308 |
| Return on assets (ROA) | 0.3746% | 5,040 |
| Pretax return on assets | 0.6443% | 4,421 |
| Return on Equity (ROE) | 1.9358% | 5,654 |
| Retained earnings to average equity (ytd only) | 1.9358% | 4,901 |
| Net charge-offs to loans | 0.1294% | 4,908 |
| Credit loss provision to net charge-offs | 398.4375% | 915 |
| Earnings coverage of net charge-offs (x) | 15.4688% | 1,454 |
| Efficiency ratio | 58.4208% | 6,317 |
| Assets per employee ($millions) | 8.4311% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 5,548 |
| Loan loss allowance to noncurrent loans | 18.9764% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 5.7652% | 1,044 |
| Noncurrent loans to loans | 6.2248% | 1,001 |
| Net loans and leases to total assets | 79.7100% | 847 |
| Net loans and leases to deposits | 102.0335% | 594 |
| Net loans and leases to core deposits | 104.5044% | 1,590 |
| Total domestic deposits to total assets | 78.1214% | 6,243 |
| Equity capital to assets | 19.1862% | 333 |
| Core capital (leverage) ratio | 19.6740% | 265 |
| Tier 1 risk-based capital ratio | 31.2658% | 445 |
| Total risk-based capital ratio | 32.5185% | 439 |
| Memoranda: | ||
| Average total assets | $123,856,000 | 4,493 |
| Average earning assets | $114,311,330 | 4,449 |
| Average equity | $23,969,330 | 2,698 |
| Average total loans | $98,942,000 | 3,931 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3973% | 3,047 |
| Cost of funding earning assets | 1.4511% | 3,872 |
| Net interest margin | 3.9462% | 3,124 |
| Noninterest income to average assets | 0.2317% | 6,300 |
| Noninterest expense to average assets | 2.2195% | 6,634 |
| Loan and lease loss provision to assets | 0.4243% | 2,836 |
| Net operating income to assets | 0.8095% | 2,920 |
| Return on assets (ROA) | 0.8095% | 3,017 |
| Pretax return on assets | 1.2272% | 2,275 |
| Return on Equity (ROE) | 4.1642% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.1642% | 3,650 |
| Net charge-offs to loans | 0.2628% | 3,362 |
| Credit loss provision to net charge-offs | 203.1250% | 1,831 |
| Earnings coverage of net charge-offs (x) | 7.9063% | 2,022 |
| Efficiency ratio | 57.3356% | 6,587 |
| Assets per employee ($millions) | 8.2217% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 6,063 |
| Loan loss allowance to noncurrent loans | 22.9087% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 4.5822% | 1,468 |
| Noncurrent loans to loans | 4.7478% | 1,553 |
| Net loans and leases to total assets | 79.5647% | 895 |
| Net loans and leases to deposits | 102.3394% | 623 |
| Net loans and leases to core deposits | 105.9506% | 1,579 |
| Total domestic deposits to total assets | 77.7460% | 6,382 |
| Equity capital to assets | 19.4120% | 314 |
| Core capital (leverage) ratio | 20.1302% | 242 |
| Tier 1 risk-based capital ratio | 32.1335% | 432 |
| Total risk-based capital ratio | 33.3855% | 429 |
| Memoranda: | ||
| Average total assets | $122,551,000 | 4,569 |
| Average earning assets | $113,020,500 | 4,541 |
| Average equity | $23,822,000 | 2,735 |
| Average total loans | $97,407,500 | 4,039 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4452% | 4,464 |
| Cost of funding earning assets | 2.0653% | 2,655 |
| Net interest margin | 3.3798% | 5,446 |
| Noninterest income to average assets | 0.2349% | 6,427 |
| Noninterest expense to average assets | 2.2993% | 6,752 |
| Loan and lease loss provision to assets | 0.6143% | 3,337 |
| Net operating income to assets | 0.3444% | 4,351 |
| Return on assets (ROA) | 0.3444% | 4,447 |
| Pretax return on assets | 0.4589% | 4,325 |
| Return on Equity (ROE) | 1.7565% | 4,999 |
| Retained earnings to average equity (ytd only) | 1.7565% | 3,857 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1784% | 4,976 |
| Assets per employee ($millions) | 8.1184% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,716 |
| Loan loss allowance to noncurrent loans | 23.9364% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 5.2506% | 1,131 |
| Noncurrent loans to loans | 5.4575% | 1,190 |
| Net loans and leases to total assets | 77.4890% | 1,483 |
| Net loans and leases to deposits | 99.4908% | 949 |
| Net loans and leases to core deposits | 122.2588% | 1,759 |
| Total domestic deposits to total assets | 77.8856% | 6,249 |
| Equity capital to assets | 19.4652% | 335 |
| Core capital (leverage) ratio | 20.2017% | 266 |
| Tier 1 risk-based capital ratio | 32.8241% | 417 |
| Total risk-based capital ratio | 34.0793% | 406 |
| Memoranda: | ||
| Average total assets | $119,645,200 | 4,573 |
| Average earning assets | $111,070,800 | 4,533 |
| Average equity | $23,455,800 | 2,787 |
| Average total loans | $95,222,400 | 4,084 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 4,486 |
| Cost of funding earning assets | 2.1596% | 2,601 |
| Net interest margin | 3.3273% | 5,536 |
| Noninterest income to average assets | 0.2328% | 6,560 |
| Noninterest expense to average assets | 2.3484% | 6,560 |
| Loan and lease loss provision to assets | 0.6828% | 2,688 |
| Net operating income to assets | 0.2205% | 5,088 |
| Return on assets (ROA) | 0.2205% | 5,168 |
| Pretax return on assets | 0.2955% | 5,076 |
| Return on Equity (ROE) | 1.1228% | 5,453 |
| Retained earnings to average equity (ytd only) | 1.1228% | 4,693 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5922% | 4,483 |
| Assets per employee ($millions) | 8.4521% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 5,151 |
| Loan loss allowance to noncurrent loans | 22.0672% | 6,976 |
| Noncurrent assets plus other real estate owned to assets | 5.2946% | 1,097 |
| Noncurrent loans to loans | 5.4098% | 1,164 |
| Net loans and leases to total assets | 78.5496% | 1,474 |
| Net loans and leases to deposits | 101.4860% | 969 |
| Net loans and leases to core deposits | 125.2031% | 1,799 |
| Total domestic deposits to total assets | 77.3995% | 6,237 |
| Equity capital to assets | 19.8683% | 353 |
| Core capital (leverage) ratio | 20.6004% | 280 |
| Tier 1 risk-based capital ratio | 33.4799% | 420 |
| Total risk-based capital ratio | 34.7333% | 411 |
| Memoranda: | ||
| Average total assets | $119,112,500 | 4,623 |
| Average earning assets | $110,757,750 | 4,567 |
| Average equity | $23,393,750 | 2,819 |
| Average total loans | $95,125,000 | 4,120 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4835% | 4,720 |
| Cost of funding earning assets | 2.2006% | 2,793 |
| Net interest margin | 3.2829% | 5,613 |
| Noninterest income to average assets | 0.2078% | 6,806 |
| Noninterest expense to average assets | 2.3054% | 6,745 |
| Loan and lease loss provision to assets | 0.7539% | 2,181 |
| Net operating income to assets | 0.1793% | 5,333 |
| Return on assets (ROA) | 0.1793% | 5,423 |
| Pretax return on assets | 0.2078% | 5,450 |
| Return on Equity (ROE) | 0.9163% | 5,654 |
| Retained earnings to average equity (ytd only) | 0.9163% | 4,814 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5641% | 4,666 |
| Assets per employee ($millions) | 8.6585% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 2,299 |
| Loan loss allowance to noncurrent loans | 37.1376% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 4.5843% | 1,209 |
| Noncurrent loans to loans | 4.6079% | 1,384 |
| Net loans and leases to total assets | 77.0902% | 1,932 |
| Net loans and leases to deposits | 98.8136% | 1,421 |
| Net loans and leases to core deposits | 122.8173% | 2,130 |
| Total domestic deposits to total assets | 78.0158% | 6,073 |
| Equity capital to assets | 19.1835% | 444 |
| Core capital (leverage) ratio | 20.0129% | 358 |
| Tier 1 risk-based capital ratio | 31.8197% | 505 |
| Total risk-based capital ratio | 33.0373% | 498 |
| Memoranda: | ||
| Average total assets | $119,373,670 | 4,657 |
| Average earning assets | $111,243,670 | 4,598 |
| Average equity | $23,355,000 | 2,831 |
| Average total loans | $95,476,670 | 4,131 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4747% | 5,046 |
| Cost of funding earning assets | 2.2375% | 2,974 |
| Net interest margin | 3.2372% | 5,731 |
| Noninterest income to average assets | 0.1857% | 6,963 |
| Noninterest expense to average assets | 2.3166% | 6,480 |
| Loan and lease loss provision to assets | 0.7598% | 1,694 |
| Net operating income to assets | 0.1553% | 5,803 |
| Return on assets (ROA) | 0.1553% | 5,975 |
| Pretax return on assets | 0.1385% | 6,079 |
| Return on Equity (ROE) | 0.7861% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.7861% | 5,342 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0588% | 4,185 |
| Assets per employee ($millions) | 7.9639% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 3,179 |
| Loan loss allowance to noncurrent loans | 34.9539% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 3.3585% | 1,625 |
| Noncurrent loans to loans | 4.1759% | 1,424 |
| Net loans and leases to total assets | 79.2329% | 1,533 |
| Net loans and leases to deposits | 103.0428% | 1,091 |
| Net loans and leases to core deposits | 128.2329% | 1,764 |
| Total domestic deposits to total assets | 76.8931% | 6,305 |
| Equity capital to assets | 19.5592% | 443 |
| Core capital (leverage) ratio | 20.2832% | 381 |
| Tier 1 risk-based capital ratio | 34.0862% | 465 |
| Total risk-based capital ratio | 35.3436% | 458 |
| Memoranda: | ||
| Average total assets | $118,451,000 | 4,694 |
| Average earning assets | $110,836,500 | 4,613 |
| Average equity | $23,405,500 | 2,830 |
| Average total loans | $95,677,500 | 4,158 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9717% | 5,690 |
| Cost of funding earning assets | 2.7453% | 2,949 |
| Net interest margin | 3.2264% | 6,284 |
| Noninterest income to average assets | 0.1986% | 7,027 |
| Noninterest expense to average assets | 2.3213% | 6,636 |
| Loan and lease loss provision to assets | 0.3287% | 3,761 |
| Net operating income to assets | 0.4103% | 5,113 |
| Return on assets (ROA) | 0.3552% | 5,132 |
| Pretax return on assets | 0.5067% | 4,956 |
| Return on Equity (ROE) | 1.7506% | 5,691 |
| Retained earnings to average equity (ytd only) | 1.7506% | 4,156 |
| Net charge-offs to loans | 0.0063% | 6,872 |
| Credit loss provision to net charge-offs | 6,400.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 258 |
| Efficiency ratio | 71.7460% | 3,982 |
| Assets per employee ($millions) | 7.8296% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 4,275 |
| Loan loss allowance to noncurrent loans | 26.6833% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 3.7567% | 1,147 |
| Noncurrent loans to loans | 4.6284% | 1,022 |
| Net loans and leases to total assets | 80.1454% | 1,631 |
| Net loans and leases to deposits | 104.5589% | 1,284 |
| Net loans and leases to core deposits | 129.5877% | 1,879 |
| Total domestic deposits to total assets | 76.6510% | 6,081 |
| Equity capital to assets | 19.9636% | 469 |
| Core capital (leverage) ratio | 20.6111% | 396 |
| Tier 1 risk-based capital ratio | 34.3578% | 468 |
| Total risk-based capital ratio | 35.6122% | 457 |
| Memoranda: | ||
| Average total assets | $116,833,400 | 4,594 |
| Average earning assets | $109,969,000 | 4,516 |
| Average equity | $23,705,600 | 2,763 |
| Average total loans | $94,815,200 | 4,083 |